| 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. | |||||
|---|---|---|---|---|---|---|
| 1.4% | 1.4% | 4.0% | 14.2% | — | ||
| 0.2% | 0.2% | 0.5% | 1.9% | 1.7% | ||
Margins & efficiency | ||||||
| 3.3% | 3.3% | 3.6% | 4.2% | 4.1% | ||
| 63.6% | 63.6% | 60.1% | 47.1% | 44.0% | ||
| 2.4% | 2.4% | 2.1% | 1.2% | 1.7% | ||
| 2.9% | 2.9% | 3.0% | 2.9% | 2.6% | ||
| 13.5% | 13.5% | 13.7% | 17.0% | 18.4% | ||
| 79.0% | 79.0% | 84.0% | 89.3% | 86.3% | ||
Additional | ||||||
| 25.5% | 26.5% | 27.0% | 25.1% | 25.1% | ||
| — | 0.0% | 49.9% | 12.1% | 8.9% | ||
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 | — | 14.20 | 4.02 | 1.36 | 1.36 | |
| Return on Assets | 1.73 | 1.85 | 0.48 | 0.16 | 0.16 | |
| Margins & Efficiency | ||||||
| Net Interest Margin (on assets) | 4.09 | 4.24 | 3.56 | 3.28 | 3.28 | |
| Cost to Income | 44.04 | 47.14 | 60.10 | 63.59 | 63.59 | |
| Credit Cost (provisions / avg advances) | 1.70 | 1.23 | 2.07 | 2.41 | 2.41 | |
| Operating Expenses / Avg Assets | 2.64 | 2.91 | 3.00 | 2.92 | 2.92 | |
| Other Income Share of Total Income | 18.35 | 17.04 | 13.65 | 13.52 | 13.52 | |
| Credit-Deposit Ratio | 86.26 | 89.26 | 83.97 | 78.98 | 78.98 | |
| Additional | ||||||
| Effective Tax Rate | 25.06 | 25.06 | 26.95 | 26.54 | 25.50 | |
| Dvd Payout Ratio | 8.85 | 12.10 | 49.89 | 0.00 | — | |