| Tap a line for its trend | Last 12Mto Sep 2026 | FY26Mar 2026 | FY25Mar 2025 | FY24Mar 2024 | FY23Mar 2023 | FY22 and earlierAlpha Plus |
|---|
Returns | FY22 and earlierEvery year the company has filed comes with Alpha Plus. | |||||
|---|---|---|---|---|---|---|
| 16.5% | 16.5% | 11.8% | 7.6% | 7.5% | ||
| 3.6% | 3.6% | 2.7% | 2.1% | 2.2% | ||
Margins & efficiency | ||||||
| 7.5% | 7.5% | 7.4% | 7.3% | 6.7% | ||
| 46.9% | 46.9% | 55.6% | 61.7% | 61.6% | ||
| 0.8% | 0.8% | 0.6% | 0.8% | 0.8% | ||
| 22.0% | 20.1% | 14.7% | 12.1% | 14.0% | ||
Leverage | ||||||
| 4.54× | 4.54× | 4.84× | 3.95× | 3.31× | ||
| 3.35× | 3.35× | 3.62× | 2.71× | 2.11× | ||
Additional | ||||||
| 24.7% | 24.5% | 24.4% | 23.6% | 23.7% | ||
| — | 2.0% | 2.6% | 3.7% | 3.9% | ||
From the company's filings with NSE and BSE (Ind-AS), consolidated. For information only, not investment advice.
Ratios — % unless marked × 12 Months Ending | FY23 31/03/2023 | FY24 31/03/2024 | FY25 31/03/2025 | FY26 31/03/2026 | Last 12M 30/09/2026 | |
|---|---|---|---|---|---|---|
| Returns | ||||||
| Return on Common Equity | 7.46 | 7.55 | 11.76 | 16.50 | 16.50 | |
| Return on Assets | 2.16 | 2.07 | 2.66 | 3.55 | 3.55 | |
| Margins & Efficiency | ||||||
| Net Interest Margin (on avg assets) | 6.72 | 7.33 | 7.40 | 7.47 | 7.47 | |
| Cost to Income | 61.64 | 61.69 | 55.57 | 46.85 | 46.85 | |
| Credit Cost (impairment / avg loans) | 0.82 | 0.80 | 0.64 | 0.82 | 0.82 | |
| Net Income Margin | 13.99 | 12.08 | 14.74 | 20.06 | 21.95 | |
| Leverage | ||||||
| Leverage (Assets/Equity) | 3.31 | 3.95 | 4.84 | 4.54 | 4.54 | |
| Total Debt/Equity | 2.11 | 2.71 | 3.62 | 3.35 | 3.35 | |
| Additional | ||||||
| Effective Tax Rate | 23.72 | 23.58 | 24.44 | 24.52 | 24.73 | |
| Dvd Payout Ratio | 3.90 | 3.69 | 2.59 | 2.03 | — | |