| 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. | |||||
|---|---|---|---|---|---|---|
| 3.8% | 3.8% | 3.5% | 3.7% | 7.5% | ||
| 1.2% | 1.2% | 1.0% | 1.1% | 2.4% | ||
Margins & efficiency | ||||||
| 5.6% | 5.6% | 3.7% | — | 5.1% | ||
| 65.5% | 65.5% | 71.6% | — | 66.9% | ||
| 15.6% | 15.6% | 1.9% | — | −0.6% | ||
| −27.2% | 10.1% | 8.6% | 8.3% | 19.2% | ||
Leverage | ||||||
| 2.52× | 2.52× | 3.65× | — | 2.93× | ||
| 1.45× | 1.45× | 1.90× | — | 1.82× | ||
Additional | ||||||
| −0.0% | 56.5% | 0.1% | 10.6% | 5.7% | ||
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 | 7.45 | 3.65 | 3.51 | 3.79 | 3.79 | |
| Return on Assets | 2.40 | 1.14 | 0.99 | 1.23 | 1.23 | |
| Margins & Efficiency | ||||||
| Net Interest Margin (on avg assets) | 5.09 | — | 3.74 | 5.63 | 5.63 | |
| Cost to Income | 66.92 | — | 71.58 | 65.49 | 65.49 | |
| Credit Cost (impairment / avg loans) | -0.62 | — | 1.91 | 15.61 | 15.61 | |
| Net Income Margin | 19.17 | 8.32 | 8.58 | 10.08 | -27.17 | |
| Leverage | ||||||
| Leverage (Assets/Equity) | 2.93 | — | 3.65 | 2.52 | 2.52 | |
| Total Debt/Equity | 1.82 | — | 1.90 | 1.45 | 1.45 | |
| Additional | ||||||
| Effective Tax Rate | 5.65 | 10.64 | 0.11 | 56.46 | -0.01 | |