In ₹ Crore except Per Share 12 Months Ending | Q2 FY24 30/09/2023 | Q3 FY24 31/12/2023 | Q4 FY24 31/03/2024 | Q1 FY25 30/06/2024 | Q2 FY25 30/09/2024 | Q3 FY25 31/12/2024 | Q4 FY25 31/03/2025 | Q1 FY26 30/06/2025 | Q2 FY26 30/09/2025 | Q3 FY26 31/12/2025 | Q4 FY26 31/03/2026 | Q1 FY27 30/06/2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue from Operations | 6,765.4 | 6,804.2 | 6,948.2 | 6,796.9 | 6,937.7 | 7,070.0 | 7,305.5 | 7,250.2 | 7,179.3 | 7,208.9 | 7,211.9 | 7,082.6 | |
| Other Income | 0.4 | 0.0 | 0.4 | 0.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.5 | 5.4 | 0.1 | 3.0 | |
| Total Income | 6,765.9 | 6,804.2 | 6,948.6 | 6,796.9 | 6,938.3 | 7,070.0 | 7,305.6 | 7,250.2 | 7,179.8 | 7,214.3 | 7,212.0 | 7,085.6 | |
| Expenses | |||||||||||||
| + Employee Benefit Expense | 147.4 | 150.2 | 209.4 | 161.1 | 182.5 | 217.7 | 194.2 | 175.6 | 160.7 | 191.6 | 186.5 | 200.1 | |
| + Finance Costs | 4,599.9 | 4,645.9 | 4,646.2 | 4,749.3 | 4,878.6 | 4,950.4 | 4,950.0 | 5,046.0 | 4,994.1 | 4,940.9 | 4,786.4 | 4,946.4 | |
| + Depreciation & Amortisation | 13.2 | 18.3 | 18.4 | 22.5 | 23.9 | 24.9 | 26.4 | 24.9 | 32.3 | 33.6 | 30.9 | 30.2 | |
| + Other Expenses | 70.2 | 72.1 | 114.7 | 71.3 | 88.7 | 99.7 | 196.9 | 91.7 | 92.3 | 109.7 | 139.3 | 99.2 | |
| Total Expenses | 5,282.8 | 5,349.9 | 5,466.4 | 5,163.7 | 5,274.6 | 5,272.2 | 5,524.3 | 5,545.8 | 5,476.8 | 5,452.7 | 5,280.7 | 5,186.5 | |
| EBITDA | 6,095.7 | 6,118.6 | 6,146.3 | 6,405.0 | 6,565.7 | 6,773.1 | 6,757.6 | 6,775.2 | 6,728.9 | 6,730.6 | 6,748.5 | 6,872.6 | |
| EBIT | 6,082.5 | 6,100.2 | 6,127.9 | 6,382.5 | 6,541.7 | 6,748.2 | 6,731.2 | 6,750.3 | 6,696.5 | 6,697.1 | 6,717.6 | 6,842.4 | |
| Profit | |||||||||||||
| PBT before Exceptional Items | 1,483.0 | 1,454.3 | 1,482.2 | 1,633.2 | 1,663.7 | 1,797.8 | 1,781.2 | 1,704.3 | 1,703.0 | 1,761.6 | 1,931.3 | 1,899.0 | |
| Pretax Income | 1,483.0 | 1,454.3 | 1,482.2 | 1,633.2 | 1,663.7 | 1,797.8 | 1,781.2 | 1,704.3 | 1,703.0 | 1,761.6 | 1,931.3 | 1,899.0 | |
| + Current Tax | 291.2 | 364.9 | -106.8 | 372.3 | 381.3 | 411.0 | -91.3 | 305.8 | 319.2 | 327.6 | 315.9 | 353.2 | |
| + Deferred Tax | 0.0 | -77.2 | 507.0 | -43.2 | -44.1 | -47.6 | 497.7 | 34.8 | 34.5 | 36.6 | 125.0 | 48.9 | |
| Tax Expense | 291.2 | 287.7 | 400.1 | 329.1 | 337.2 | 363.4 | 406.4 | 340.6 | 353.6 | 364.2 | 440.9 | 402.2 | |
| + Share of Associates & JVs | 1.7 | 2.3 | -0.2 | 2.3 | 1.3 | 0.5 | -1.2 | 0.3 | 0.0 | 0.9 | 2.2 | 2.1 | |
| Net Income | 1,193.6 | 1,168.9 | 1,081.9 | 1,306.4 | 1,327.8 | 1,434.9 | 1,373.6 | 1,364.0 | 1,349.4 | 1,398.3 | 1,492.6 | 1,499.0 | |
| + Net Income — Continuing Ops | 1,191.9 | 1,166.6 | 1,082.1 | 1,304.1 | 1,326.5 | 1,434.4 | 1,374.8 | 1,363.7 | 1,349.4 | 1,397.4 | 1,490.5 | 1,496.9 | |
| + Other Comprehensive Income | -1.2 | -2.3 | 3.3 | -1.3 | -3.7 | -0.0 | -67.1 | -0.7 | 2.0 | 1.8 | 20.4 | -6.5 | |
| Total Comprehensive Income | 1,192.3 | 1,166.6 | 1,085.2 | 1,305.1 | 1,324.1 | 1,434.9 | 1,306.6 | 1,363.3 | 1,351.4 | 1,400.0 | 1,513.1 | 1,492.5 | |
| Net Income to Common | 0.0 | 1,166.5 | 1,082.0 | 1,306.3 | 1,327.7 | 1,434.8 | 1,373.4 | 1,363.9 | 1,349.3 | 1,398.0 | 1,492.5 | 1,498.9 | |
| Minority Interest | -0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.2 | 0.1 | 0.1 | 0.3 | 0.1 | 0.2 | |
| Per Share | |||||||||||||
| Basic EPS | 21.67 | 21.21 | 19.67 | 23.75 | 24.14 | 26.09 | 24.97 | 24.80 | 24.53 | 25.42 | 27.13 | 27.25 | |
| Diluted EPS | 21.67 | 21.21 | 19.67 | 23.75 | 24.14 | 26.09 | 24.97 | 24.80 | 24.53 | 25.42 | 27.13 | 27.25 | |
| Revenue Detail — as filed | |||||||||||||
| + Fees & Commission Income | 20.3 | 16.0 | 13.1 | 16.8 | 11.8 | 15.2 | 20.2 | 16.7 | 23.2 | 26.5 | 46.0 | 16.8 | |
| + Net Gain on Fair Value Changes | 15.9 | 6.8 | 14.2 | 23.5 | 10.3 | 17.7 | 19.9 | 24.7 | 11.2 | 31.7 | 12.7 | 16.5 | |
| + Net Gain on Derecognition — Amortised Cost | 6.1 | 7.2 | 10.5 | 3.8 | 1.3 | 2.8 | 2.0 | 2.8 | 6.3 | 3.0 | 0.0 | 0.0 | |
| + Net Loss on Derecognition — Amortised Cost | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 9.8 | 53.2 | |
| Expense Detail — as filed | |||||||||||||
| + Fees & Commission Expense | 33.0 | 27.5 | 49.9 | 16.4 | 23.6 | 23.5 | 47.4 | 14.8 | 29.2 | 23.5 | 53.7 | 21.8 | |
| + Impairment on Financial Instruments | 419.2 | 435.8 | 427.9 | 143.1 | 77.3 | -44.0 | 109.4 | 192.9 | 168.2 | 153.6 | 74.1 | -164.2 | |
| Other Comprehensive Income — detail | |||||||||||||
| + Other Comprehensive Income | -1.2 | -2.3 | 3.3 | -1.3 | -3.7 | -0.0 | -67.1 | -0.7 | 2.0 | 1.8 | 20.4 | -6.5 | |
| + Items NOT to be Reclassified to P&L | — | -3.1 | 4.3 | -1.7 | -4.9 | -0.0 | -89.5 | -0.9 | 2.7 | 2.3 | 27.1 | -8.7 | |
| + Tax on Items NOT to be Reclassified | — | — | — | — | — | — | -22.5 | -0.2 | 0.7 | 0.6 | 6.7 | -2.2 | |
| + Tax on Items NOT to be Reclassified — alt tag | 1.7 | -0.8 | 1.0 | -0.4 | -1.2 | -0.0 | — | — | — | — | — | — | |
| + Tax on Items to be Reclassified — alt tag | -0.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | — | — | — | — | — | — | |
| Comprehensive Income — Owners of Parent | 0.0 | 1,166.5 | 1,085.1 | 1,305.0 | 1,324.0 | 1,434.8 | 1,306.3 | 1,363.2 | 1,351.3 | 1,399.8 | 1,513.0 | 1,492.4 | |
| Comprehensive Income — Non-controlling Interests | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.2 | 0.1 | 0.1 | 0.3 | 0.1 | 0.2 | |
| Per Share — as-filed variants | |||||||||||||
| Basic EPS — Continuing Operations | 21.67 | 21.21 | 19.67 | 23.75 | 24.14 | 26.09 | 24.97 | 24.80 | 24.53 | 25.42 | 27.13 | 27.25 | |
| Diluted EPS — Continuing Operations | 21.67 | 21.21 | 19.67 | 23.75 | 24.14 | 26.09 | 24.97 | 24.80 | 24.53 | 25.42 | 27.13 | 27.25 | |
| Derived — Gross Profit (Revenue − Materials − Purchases − Δ Inventories) | |||||||||||||
| Gross Profit | 6,765.4 | 6,804.2 | 6,948.2 | 6,796.9 | 6,937.7 | 7,070.0 | 7,305.5 | 7,250.2 | 7,179.3 | 7,208.9 | 7,211.9 | 7,082.6 | |
| Gross Margin % | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | |
| Adjusted (ex-Exceptional Items) — derived | |||||||||||||
| Pretax Income (Adjusted, as filed) | 1,483.0 | 1,454.3 | 1,482.2 | 1,633.2 | 1,663.7 | 1,797.8 | 1,781.2 | 1,704.3 | 1,703.0 | 1,761.6 | 1,931.3 | 1,899.0 | |
| Net Income Adj (tax-effected) | 1,193.6 | 1,168.9 | 1,081.9 | 1,306.4 | 1,327.8 | 1,434.9 | 1,373.6 | 1,364.0 | 1,349.4 | 1,398.3 | 1,492.6 | 1,499.0 | |
| EPS Adj | 21.67 | 21.21 | 19.67 | 23.75 | 24.14 | 26.09 | 24.97 | 24.80 | 24.53 | 25.42 | 27.13 | 27.25 | |
| Other Filed Concepts — mapped but not yet placed in the schedule | |||||||||||||
| Face Value | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | |
| Filed Debt Equity | — | — | — | — | — | — | 0.08 | 0.08 | 0.08 | 0.07 | 0.00 | 0.07 | |
| Interest Earned | 6,712.6 | 6,751.3 | 6,893.6 | 6,746.7 | 6,860.0 | 6,958.2 | 7,124.5 | 7,121.7 | 7,041.9 | 7,052.3 | 7,018.2 | 7,033.6 | |
| Paid Up Equity Capital | 110.1 | 110.1 | 110.1 | 110.1 | 110.1 | 110.1 | 110.1 | 110.1 | 110.1 | 110.1 | 110.1 | 110.1 | |