| 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. | |||||
|---|---|---|---|---|---|---|
| 13.8% | 13.8% | 14.6% | 17.2% | 17.1% | ||
| 1.6% | 1.6% | 1.7% | 2.0% | 2.0% | ||
Margins & efficiency | ||||||
| 3.5% | 3.5% | 3.6% | 4.0% | 4.0% | ||
| 58.5% | 58.5% | 61.5% | 60.0% | 40.6% | ||
| 0.9% | 0.9% | 0.5% | 1.2% | 0.9% | ||
| 3.9% | 3.9% | 4.2% | 4.6% | 2.2% | ||
| 29.6% | 29.6% | 28.6% | 30.5% | 16.6% | ||
| 98.4% | 98.4% | 100.5% | 108.0% | 88.3% | ||
| 34.1% | 34.1% | 34.7% | 38.1% | 44.4% | ||
As filed — the bank's own definitions (average balances) | ||||||
| — | 14.3% | 14.6% | 16.1% | 17.4% | ||
| — | 1.9% | 1.9% | 2.0% | 2.1% | ||
| — | 3.3% | 3.5% | 3.5% | 4.1% | ||
| — | 3.5% | 3.7% | — | — | ||
Additional | ||||||
| 24.6% | 23.2% | 24.4% | 14.8% | 25.0% | ||
| — | 27.2% | 20.9% | 13.1% | 18.7% | ||
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 | 17.14 | 17.24 | 14.57 | 13.83 | 13.83 | |
| Return on Assets | 1.98 | 1.95 | 1.68 | 1.63 | 1.63 | |
| Margins & Efficiency | ||||||
| Net Interest Margin (on assets) | 4.00 | 3.95 | 3.62 | 3.51 | 3.51 | |
| Cost to Income | 40.61 | 59.98 | 61.53 | 58.45 | 58.45 | |
| Credit Cost (provisions / avg advances) | 0.90 | 1.18 | 0.54 | 0.92 | 0.92 | |
| Operating Expenses / Avg Assets | 2.21 | 4.64 | 4.19 | 3.90 | 3.90 | |
| Other Income Share of Total Income | 16.57 | 30.48 | 28.57 | 29.64 | 29.64 | |
| Credit-Deposit Ratio | 88.28 | 107.95 | 100.52 | 98.42 | 98.42 | |
| CASA Ratio | 44.37 | 38.14 | 34.74 | 34.07 | 34.07 | |
| As Filed — the bank's own definitions (average balances) | ||||||
| Return on Equity (as filed) | 17.39 | 16.09 | 14.56 | 14.29 | — | |
| Return on Assets (as filed, working funds) | 2.07 | 1.98 | 1.91 | 1.94 | — | |
| NIM (as filed) | 4.10 | 3.53 | 3.48 | 3.34 | — | |
| NIM on Interest-Earning Assets | — | — | 3.67 | 3.50 | — | |
| Additional | ||||||
| Effective Tax Rate | 25.02 | 14.79 | 24.36 | 23.17 | 24.61 | |
| Dvd Payout Ratio | 18.71 | 13.12 | 20.94 | 27.24 | — | |