In ₹ Crore except Per Share 12 Months Ending | Q2 FY24 30/09/2023 | Q3 FY24 31/12/2023 | Q4 FY24 31/03/2024 | Q1 FY25 30/06/2024 | Q2 FY25 30/09/2024 | Q3 FY25 31/12/2024 | Q4 FY25 31/03/2025 | Q1 FY26 30/06/2025 | Q2 FY26 30/09/2025 | Q3 FY26 31/12/2025 | Q4 FY26 31/03/2026 | Q1 FY27 30/06/2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue from Operations | 13,378.3 | 14,161.1 | 14,926.2 | 16,098.7 | 17,090.3 | 18,035.1 | 18,456.9 | 19,523.9 | 20,178.9 | 21,213.9 | 21,605.8 | 23,165.5 | |
| Other Income | 3.5 | 4.9 | 5.8 | 3.6 | 5.1 | 23.2 | 11.9 | 3.9 | 1.9 | 0.7 | 0.7 | 1.0 | |
| Total Income | 13,381.8 | 14,166.0 | 14,932.0 | 16,102.3 | 17,095.4 | 18,058.3 | 18,468.7 | 19,527.7 | 20,180.8 | 21,214.6 | 21,606.5 | 23,166.4 | |
| Expenses | |||||||||||||
| + Employee Benefit Expense | 1,587.5 | 1,661.8 | 1,649.7 | 1,774.8 | 1,834.8 | 1,955.5 | 1,943.2 | 2,102.6 | 2,154.5 | 2,250.1 | 2,471.4 | 2,644.8 | |
| + Finance Costs | 4,537.1 | 4,868.0 | 5,217.1 | 5,683.9 | 6,149.3 | 6,385.6 | 6,552.0 | 6,917.7 | 7,011.3 | 7,338.7 | 7,398.3 | 7,942.1 | |
| + Depreciation & Amortisation | 158.5 | 175.8 | 193.0 | 199.8 | 210.0 | 219.1 | 252.0 | 251.5 | 258.1 | 243.9 | 255.5 | 287.6 | |
| + Other Expenses | 791.0 | 847.7 | 940.5 | 942.1 | 964.9 | 1,007.0 | 1,025.2 | 1,001.5 | 1,047.7 | 1,052.9 | 1,028.6 | 1,101.2 | |
| Total Expenses | 8,624.1 | 9,272.1 | 9,829.9 | 10,839.5 | 11,697.4 | 12,295.9 | 12,830.2 | 13,160.9 | 13,575.9 | 15,520.5 | 14,206.9 | 15,022.5 | |
| EBITDA | 9,449.7 | 9,932.8 | 10,506.4 | 11,142.9 | 11,752.3 | 12,344.0 | 12,430.7 | 13,532.2 | 13,872.3 | 13,276.0 | 15,052.7 | 16,372.6 | |
| EBIT | 9,291.2 | 9,757.0 | 10,313.4 | 10,943.1 | 11,542.2 | 12,124.8 | 12,178.7 | 13,280.7 | 13,614.3 | 13,032.1 | 14,797.2 | 16,085.0 | |
| Profit | |||||||||||||
| PBT before Exceptional Items | 4,757.6 | 4,893.9 | 5,102.1 | 5,262.8 | 5,398.0 | 5,762.4 | 5,638.6 | 6,366.8 | 6,604.8 | 5,694.1 | 7,399.6 | 8,143.9 | |
| + Exceptional Items | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -265.2 | 0.0 | 0.0 | |
| Pretax Income | 4,757.6 | 4,893.9 | 5,102.1 | 5,262.8 | 5,398.0 | 5,762.4 | 5,638.6 | 6,366.8 | 6,604.8 | 5,428.9 | 7,399.6 | 8,143.9 | |
| + Current Tax | 1,190.0 | 1,237.7 | 1,260.5 | 1,560.6 | 1,330.2 | 1,470.1 | 1,028.9 | 1,857.8 | 1,550.8 | 1,724.4 | 1,740.9 | 2,442.7 | |
| + Deferred Tax | 17.0 | 18.9 | 20.1 | -207.2 | 57.5 | -12.8 | 72.9 | -255.5 | 109.5 | -359.3 | 115.7 | -374.3 | |
| Tax Expense | 1,207.0 | 1,256.6 | 1,280.6 | 1,353.4 | 1,387.7 | 1,457.2 | 1,101.8 | 1,602.3 | 1,660.4 | 1,365.1 | 1,856.5 | 2,068.4 | |
| + Share of Associates & JVs | 0.2 | 1.7 | 3.0 | 2.5 | 3.5 | 3.0 | 8.8 | 0.7 | 3.3 | 2.2 | 10.2 | 5.1 | |
| Net Income | 3,550.8 | 3,639.0 | 3,824.5 | 3,912.0 | 4,013.7 | 4,308.2 | 4,545.6 | 4,765.3 | 4,947.8 | 4,066.0 | 5,553.3 | 6,080.6 | |
| + Net Income — Continuing Ops | 3,550.7 | 3,637.3 | 3,821.5 | 3,909.5 | 4,010.3 | 4,305.2 | 4,536.8 | 4,764.6 | 4,944.5 | 4,063.8 | 5,543.1 | 6,075.5 | |
| + Other Comprehensive Income | 22.2 | 19.5 | 16.0 | 43.3 | -9.3 | 86.3 | -187.3 | 88.5 | -195.1 | 27.8 | 18.3 | 189.4 | |
| Total Comprehensive Income | 3,573.0 | 3,658.4 | 3,840.5 | 3,955.3 | 4,004.4 | 4,394.5 | 4,358.2 | 4,853.8 | 4,752.6 | 4,093.8 | 5,571.6 | 6,270.0 | |
| Net Income to Common | 3,550.8 | 3,639.0 | 3,824.5 | 3,955.3 | 3,999.7 | 4,246.5 | 4,479.6 | 4,699.6 | 4,875.4 | 3,977.9 | 5,464.6 | 5,985.8 | |
| Minority Interest | 0.0 | 0.0 | 0.0 | 0.0 | 14.0 | 61.7 | 66.0 | 65.7 | 72.4 | 88.2 | 88.7 | 94.9 | |
| Per Share | |||||||||||||
| Basic EPS | 58.67 | 59.42 | 61.91 | 63.28 | 64.66 | 68.63 | 72.35 | 7.57 | 7.85 | 6.40 | 8.79 | 9.62 | |
| Diluted EPS | 58.45 | 59.20 | 61.70 | 63.11 | 64.50 | 68.47 | 72.18 | 7.55 | 7.83 | 6.38 | 8.76 | 9.60 | |
| Revenue Detail — as filed | |||||||||||||
| + Sale of Services | 27.4 | 8.9 | 8.8 | 28.5 | 9.2 | 3.4 | -13.9 | 9.8 | 3.3 | 2.1 | 0.6 | 3.3 | |
| + Fees & Commission Income | 1,311.9 | 1,290.5 | 1,324.4 | 1,524.2 | 1,426.4 | 1,510.6 | 1,521.7 | 1,784.0 | 1,780.0 | 1,961.6 | 2,228.9 | 2,378.7 | |
| + Net Gain on Fair Value Changes | 71.1 | 68.4 | 78.4 | 103.4 | 148.4 | 164.6 | 122.7 | 225.3 | 94.8 | 139.4 | 11.8 | 94.4 | |
| Expense Detail — as filed | |||||||||||||
| + Fees & Commission Expense | 473.0 | 470.6 | 519.6 | 554.2 | 629.2 | 685.3 | 728.9 | 767.5 | 835.7 | 1,009.3 | 1,045.6 | 1,053.4 | |
| + Impairment on Financial Instruments | 1,077.1 | 1,248.4 | 1,310.0 | 1,684.7 | 1,909.1 | 2,043.3 | 2,328.9 | 2,120.2 | 2,268.8 | 3,625.5 | 2,007.5 | 1,993.4 | |
| Other Comprehensive Income — detail | |||||||||||||
| + Other Comprehensive Income | 22.2 | 19.5 | 16.0 | 43.3 | -9.3 | 86.3 | -187.3 | 88.5 | -195.1 | 27.8 | 18.3 | 189.4 | |
| + Items NOT to be Reclassified to P&L | 54.9 | 11.4 | 6.1 | 9.7 | -52.9 | 73.7 | -151.2 | -21.7 | -35.0 | 27.4 | 43.7 | 30.1 | |
| + Tax on Items NOT to be Reclassified | — | — | — | — | — | — | -21.2 | -3.8 | -10.5 | 6.6 | 13.7 | 3.1 | |
| + Tax on Items NOT to be Reclassified — alt tag | 9.1 | 1.3 | 1.9 | 1.1 | -21.9 | 10.5 | — | — | — | — | — | — | |
| + Items to be Reclassified to P&L | -31.6 | 12.6 | 15.7 | 46.4 | 29.1 | 30.8 | -76.7 | 139.1 | -231.7 | 5.7 | -20.6 | 207.1 | |
| + Tax on Items to be Reclassified | — | — | — | — | — | — | -19.4 | 32.7 | -61.0 | -1.3 | -8.9 | 44.7 | |
| + Tax on Items to be Reclassified — alt tag | -8.0 | 3.2 | 4.0 | 11.7 | 7.3 | 7.7 | — | — | — | — | — | — | |
| Comprehensive Income — Owners of Parent | 3,573.0 | 3,658.4 | 3,840.5 | 3,955.3 | 3,990.3 | 4,333.1 | -188.2 | 4,787.6 | 4,682.0 | 4,005.9 | 19.1 | 6,173.8 | |
| Comprehensive Income — Non-controlling Interests | 0.0 | 0.0 | 0.0 | 0.0 | 14.2 | 61.4 | 0.8 | 66.2 | 70.7 | 87.9 | -0.9 | 96.2 | |
| Per Share — as-filed variants | |||||||||||||
| Basic EPS — Continuing Operations | 58.67 | 59.42 | 61.91 | 63.28 | 64.66 | 68.63 | 72.35 | 7.57 | 7.85 | 6.40 | 8.79 | 9.62 | |
| Diluted EPS — Continuing Operations | 58.45 | 59.20 | 61.70 | 63.11 | 64.50 | 68.47 | 72.18 | 7.55 | 7.83 | 6.38 | 8.76 | 9.60 | |
| Derived — Gross Profit (Revenue − Materials − Purchases − Δ Inventories) | |||||||||||||
| Gross Profit | 13,378.3 | 14,161.1 | 14,926.2 | 16,098.7 | 17,090.3 | 18,035.1 | 18,456.9 | 19,523.9 | 20,178.9 | 21,213.9 | 21,605.8 | 23,165.5 | |
| Gross Margin % | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | |
| Adjusted (ex-Exceptional Items) — derived | |||||||||||||
| Pretax Income (Adjusted, as filed) | 4,757.6 | 4,893.9 | 5,102.1 | 5,262.8 | 5,398.0 | 5,762.4 | 5,638.6 | 6,366.8 | 6,604.8 | 5,694.1 | 7,399.6 | 8,143.9 | |
| − Exceptional Items (reconciliation) | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -265.2 | 0.0 | 0.0 | |
| Net Income Adj (tax-effected) | 3,550.8 | 3,639.0 | 3,824.5 | 3,912.0 | 4,013.7 | 4,308.2 | 4,545.6 | 4,765.3 | 4,947.8 | 4,264.5 | 5,553.3 | 6,080.6 | |
| EPS Adj | 58.67 | 59.42 | 61.91 | 63.28 | 64.66 | 68.63 | 72.35 | 7.57 | 7.85 | 6.71 | 8.79 | 9.62 | |
| Other Filed Concepts — mapped but not yet placed in the schedule | |||||||||||||
| Face Value | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |
| Interest Earned | 11,734.0 | 12,523.3 | 13,230.1 | 14,049.2 | 14,987.0 | 15,768.2 | 16,359.1 | 17,144.7 | 17,796.0 | 18,656.5 | 19,178.9 | 20,512.7 | |
| Paid Up Equity Capital | 121.1 | 123.5 | 123.6 | 123.7 | 123.7 | 123.8 | 124.2 | 621.2 | 621.5 | 621.6 | 621.8 | 622.1 | |