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 | |
|---|---|---|---|---|---|
| Adjustments to Reconcile Profit — Non-cash Items | |||||
| + Depreciation & Amortisation | 274.9 | 321.2 | 386.1 | — | |
| + Impairment Loss / (Reversal) | 2,020.5 | 2,133.1 | 2,624.8 | — | |
| + Finance Costs | 6,934.8 | 8,561.9 | 8,950.3 | — | |
| + Interest Income | -14,391.4 | -16,530.9 | -18,301.3 | — | |
| + Fair Value (Gains) / Losses | 7.5 | -109.6 | -14.7 | — | |
| + Share-based Payments | 5.9 | 5.9 | 14.3 | — | |
| + Unrealised FX (Gain) / Loss | -76.5 | 37.7 | 544.4 | — | |
| + Other Non-cash Items | -7.0 | -17.7 | -34.1 | — | |
| + Other — Cash Effects are Investing / Financing | 0.9 | 0.0 | 0.0 | — | |
| + Other Reconciling Items | 0.0 | 0.0 | 133.0 | — | |
| Cash from Operating Activities | |||||
| Profit Before Tax (per I/S) | 2,532.1 | 2,961.7 | 3,756.3 | 4,292.8 | |
| + Total Adjustments (incl. Working Capital) | -5,230.5 | -5,598.5 | -5,697.3 | — | |
| Cash from Operations (pre-tax) | -2,698.4 | -2,636.8 | -1,941.0 | — | |
| + Interest Received — Operating | 14,052.6 | 12,856.6 | 16,013.5 | — | |
| + Interest Paid — Operating | 6,925.2 | 6,522.0 | 8,876.0 | — | |
| + Other Inflows / (Outflows) — Operating | -22,050.8 | -18,429.4 | -17,186.0 | — | |
| + Income Taxes Paid | 826.7 | 870.2 | 782.6 | — | |
| Cash from Operating Activities | -18,448.6 | -15,601.9 | -12,772.2 | — | |
| Cash from Investing Activities | |||||
| + Acq of Fixed Assets (Capex) | 323.3 | 441.9 | 416.3 | — | |
| + Disp of Fixed Assets | 52.8 | 69.1 | 68.0 | — | |
| + Purchase of Investments (Equity / Debt) | 7,214.6 | 23,293.6 | 56,944.2 | — | |
| + Sale of Investments (Equity / Debt) | 9,614.1 | 21,739.6 | 57,213.7 | — | |
| + Acq of Subsidiaries / Businesses (net) | 206.4 | 0.0 | 0.0 | — | |
| + Dividends Received — Investing | 0.0 | 0.0 | 0.0 | — | |
| + Interest Received — Investing | 747.6 | 850.0 | 848.1 | — | |
| + Other Inflows / (Outflows) — Investing | 0.0 | -0.1 | 0.1 | — | |
| Cash from Investing Activities | 2,670.3 | -1,076.9 | 769.5 | — | |
| Cash from Financing Activities | |||||
| + Proceeds from Issue of Shares | 0.0 | 0.0 | 2,988.6 | — | |
| + Proceeds from Borrowings | 58,765.7 | 76,945.4 | 73,652.8 | — | |
| + Repayment of Borrowings | 41,825.7 | 58,447.4 | 64,966.9 | — | |
| + Payment of Lease Liabilities | 105.2 | 114.8 | 133.7 | — | |
| + Dividends Paid | 739.9 | 777.8 | 903.5 | — | |
| Cash from Financing Activities | 16,094.9 | 17,605.3 | 10,637.2 | — | |
| Net Changes in Cash (pre-FX) | 316.6 | 926.6 | -1,365.5 | — | |
| + Effect of FX Rate Changes on Cash | 0.4 | 0.2 | 0.4 | — | |
| Net Changes in Cash | 317.0 | 926.7 | -1,365.1 | — | |
| Closing Cash | 903.5 | — | — | — | |
| Reference Items | |||||
| EBITDA | 9,592.7 | 11,631.0 | 13,127.5 | 13,785.3 | |
| EBITDA Margin % | 60.73 | 63.00 | 62.50 | 63.43 | |
| Free Cash Flow (CFO − Capex) | -18,771.9 | -16,043.8 | -13,188.5 | -13,188.5 | |
| Free Cash Flow per Basic Share | -135.09 | -115.46 | -94.91 | -94.91 | |
| Cash Flow to Net Income | -9.49 | -6.90 | -4.46 | — | |
| Cash Paid for Taxes | 826.7 | 870.2 | 782.6 | — | |