In ₹ Crore except Per Share 12 Months Ending | FY24 31/03/2024 | FY25 31/03/2025 | FY26 31/03/2026 | Last 12M 30/06/2026 | |
|---|---|---|---|---|---|
| Revenue from Operations | 13,580.6 | 15,924.2 | 17,913.7 | 18,928.4 | |
| Other Income | 474.5 | 16.7 | 3.4 | 3.3 | |
| Total Income | 14,055.1 | 15,941.0 | 17,917.0 | 18,931.7 | |
| Expenses | |||||
| + Employee Benefit Expense | 1,806.4 | 2,216.5 | 2,455.0 | 2,600.5 | |
| + Finance Costs | 5,377.2 | 5,996.8 | 6,720.1 | 7,054.4 | |
| + Depreciation & Amortisation | 114.8 | 138.9 | 209.7 | 231.7 | |
| + Other Expenses | 1,586.7 | 1,629.2 | 1,759.7 | 1,810.5 | |
| Total Expenses | 11,026.1 | 12,449.7 | 13,890.4 | 14,612.0 | |
| EBITDA | 8,046.5 | 9,610.2 | 10,953.1 | 11,602.5 | |
| EBIT | 7,931.7 | 9,471.3 | 10,743.4 | 11,370.8 | |
| Profit | |||||
| PBT before Exceptional Items | 3,029.0 | 3,491.3 | 4,026.7 | 4,319.7 | |
| + Exceptional Items | 0.0 | 0.0 | -28.5 | -28.5 | |
| Pretax Income | 3,029.0 | 3,491.3 | 3,998.2 | 4,291.2 | |
| + Current Tax | 715.7 | 765.8 | 1,070.7 | 1,216.7 | |
| + Deferred Tax | -3.8 | 82.0 | -55.4 | -123.5 | |
| Tax Expense | 711.9 | 847.8 | 1,015.3 | 1,093.2 | |
| Net Income | 2,317.1 | 2,643.4 | 2,982.9 | 3,198.0 | |
| + Net Income — Continuing Ops | 2,317.1 | 2,643.4 | 2,982.9 | 3,198.0 | |
| + Other Comprehensive Income | 6.2 | 24.5 | 10.4 | 39.5 | |
| Total Comprehensive Income | 2,323.4 | 2,667.9 | 2,993.3 | 3,237.5 | |
| Net Income to Common | 2,326.3 | 2,643.7 | 2,991.6 | 3,226.2 | |
| Minority Interest | -3.0 | -0.2 | 1.7 | 15.5 | |
| Per Share | |||||
| Basic EPS | 9.34 | 10.61 | 11.92 | 12.71 | |
| Diluted EPS | 9.30 | 10.57 | 11.88 | 12.67 | |
| Revenue Detail — as filed | |||||
| + Dividend Income | 0.1 | 1.0 | 0.2 | 0.2 | |
| + Fees & Commission Income | 662.5 | 1,077.3 | 1,233.3 | 1,292.3 | |
| + Net Gain on Fair Value Changes | 4.1 | 182.6 | 64.2 | 9.1 | |
| + Net Loss on Fair Value Changes | 361.0 | 0.0 | 0.0 | 84.8 | |
| + Net Loss on Derecognition — Amortised Cost | 457.7 | 275.0 | 561.8 | 605.6 | |
| Expense Detail — as filed | |||||
| + Impairment on Financial Instruments | 1,322.4 | 2,193.4 | 2,184.1 | 2,224.4 | |
| Other Comprehensive Income — detail | |||||
| + Other Comprehensive Income | 6.2 | 24.5 | 10.4 | 39.5 | |
| + Items NOT to be Reclassified to P&L | 3.5 | -3.0 | -9.4 | 2.7 | |
| + Tax on Items NOT to be Reclassified | — | -0.8 | 0.0 | 1.6 | |
| + Items to be Reclassified to P&L | 2.7 | 17.3 | 19.8 | 47.4 | |
| + Tax on Items to be Reclassified | — | -9.4 | 0.0 | 9.1 | |
| Comprehensive Income — Owners of Parent | 6.2 | 0.0 | — | — | |
| Per Share — as-filed variants | |||||
| Basic EPS — Continuing Operations | 9.34 | 10.61 | 11.92 | 12.71 | |
| Diluted EPS — Continuing Operations | 9.30 | 10.57 | 11.88 | 12.67 | |
| Derived — Gross Profit (Revenue − Materials − Purchases − Δ Inventories) | |||||
| Gross Profit | 13,580.6 | 15,924.2 | 17,913.7 | 18,928.4 | |
| Gross Margin % | 100.00 | 100.00 | 100.00 | 100.00 | |
| Adjusted (ex-Exceptional Items) — derived | |||||
| Pretax Income (Adjusted, as filed) | 3,029.0 | 3,491.3 | 4,026.7 | 4,319.7 | |
| − Exceptional Items (reconciliation) | 0.0 | 0.0 | -28.5 | -28.5 | |
| Net Income Adj (tax-effected) | 2,317.1 | 2,643.4 | 3,004.1 | 3,219.3 | |
| EPS Adj | 9.34 | 10.61 | 12.00 | 12.79 | |
| Other Filed Concepts — mapped but not yet placed in the schedule | |||||
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | |
| Filed Debt Equity | 0.03 | 0.04 | 0.04 | 0.04 | |
| Interest Earned | 12,913.9 | 14,663.3 | 16,616.0 | 17,596.4 | |
| Paid Up Equity Capital | 2,488.9 | 2,494.9 | 2,504.4 | 2,505.5 | |