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 | 2,156.7 | 2,305.3 | 2,359.8 | 2,488.2 | 2,633.1 | 2,559.7 | 2,359.7 | 2,262.4 | 2,283.5 | 2,353.1 | 2,613.8 | 3,034.2 | |
| Other Income | 17.3 | 21.4 | 2.5 | 23.7 | 4.0 | 2.9 | 3.5 | 2.6 | 1.9 | 5.8 | 11.8 | 6.2 | |
| Total Income | 2,174.0 | 2,326.7 | 2,362.2 | 2,511.9 | 2,637.1 | 2,562.6 | 2,363.3 | 2,264.9 | 2,285.4 | 2,358.9 | 2,625.6 | 3,040.3 | |
| Expenses | |||||||||||||
| + Employee Benefit Expense | 374.5 | 413.0 | 415.9 | 446.4 | 447.6 | 447.8 | 500.0 | 474.4 | 444.4 | 501.8 | 488.6 | 496.9 | |
| + Finance Costs | 689.4 | 748.7 | 779.2 | 848.3 | 905.7 | 925.3 | 895.4 | 855.3 | 875.6 | 945.2 | 1,109.5 | 1,274.0 | |
| + Depreciation & Amortisation | 62.5 | 62.5 | 65.1 | 64.4 | 66.6 | 70.5 | 65.9 | 74.8 | 79.5 | 77.2 | 75.1 | 78.4 | |
| + Other Expenses | 170.6 | 151.2 | 154.2 | 153.9 | 167.0 | 165.7 | 194.8 | 178.0 | 194.8 | 159.7 | 153.6 | 167.7 | |
| Total Expenses | 1,427.3 | 1,540.3 | 1,616.7 | 1,759.1 | 1,864.5 | 2,186.6 | 2,599.1 | 2,163.4 | 1,983.4 | 2,056.0 | 2,061.8 | 2,258.5 | |
| EBITDA | 1,481.3 | 1,576.2 | 1,587.3 | 1,641.8 | 1,740.9 | 1,369.0 | 721.9 | 1,029.0 | 1,255.2 | 1,319.6 | 1,736.6 | 2,128.0 | |
| EBIT | 1,418.8 | 1,513.7 | 1,522.2 | 1,577.4 | 1,674.3 | 1,298.5 | 656.0 | 954.3 | 1,175.7 | 1,242.3 | 1,661.6 | 2,049.6 | |
| Profit | |||||||||||||
| PBT before Exceptional Items | 746.7 | 786.4 | 745.5 | 752.8 | 772.7 | 376.1 | -235.9 | 101.5 | 302.0 | 302.9 | 563.8 | 781.8 | |
| Pretax Income | 746.7 | 786.4 | 745.5 | 752.8 | 772.7 | 376.1 | -235.9 | 101.5 | 302.0 | 302.9 | 563.8 | 781.8 | |
| + Current Tax | 206.7 | 224.9 | 201.0 | 208.1 | 212.8 | 119.8 | 96.2 | 72.1 | 128.6 | 142.9 | 132.3 | 195.6 | |
| + Deferred Tax | -20.6 | -13.8 | -19.0 | -11.9 | -12.2 | -22.2 | -128.9 | -103.0 | -44.0 | -78.6 | 26.7 | 1.4 | |
| Tax Expense | 186.1 | 211.1 | 182.0 | 196.3 | 200.6 | 97.6 | -32.7 | -31.0 | 84.7 | 64.3 | 159.0 | 197.1 | |
| Net Income | 560.7 | 575.3 | 563.5 | 556.5 | 572.1 | 278.5 | -203.2 | 132.5 | 217.3 | 238.5 | 404.8 | 584.8 | |
| + Net Income — Continuing Ops | 560.7 | 575.3 | 563.5 | 556.5 | 572.1 | 278.5 | -203.2 | 132.5 | 217.3 | 238.5 | 404.8 | 584.8 | |
| + Other Comprehensive Income | 0.9 | -10.0 | -1.1 | -1.9 | 21.9 | 50.3 | -66.6 | -23.9 | 32.7 | 4.1 | 103.0 | -34.8 | |
| Total Comprehensive Income | 561.5 | 565.3 | 562.4 | 554.7 | 593.9 | 328.8 | -269.8 | 108.6 | 250.0 | 242.6 | 507.8 | 550.0 | |
| Net Income to Common | 558.4 | 572.9 | 561.5 | 554.6 | 570.7 | 282.1 | -191.2 | 138.4 | 219.9 | 241.1 | 404.0 | 584.6 | |
| Minority Interest | 2.3 | 2.4 | 2.0 | 1.9 | 1.4 | -3.6 | -12.0 | -5.9 | -2.6 | -2.5 | 0.8 | 0.2 | |
| Per Share | |||||||||||||
| Basic EPS | 6.62 | 6.79 | 6.66 | 6.58 | 6.75 | 3.29 | -2.40 | 1.57 | 2.57 | 2.82 | 9.54 | 6.23 | |
| Diluted EPS | 6.62 | 6.79 | 6.66 | 6.58 | 6.75 | 3.29 | -2.40 | 1.57 | 2.57 | 2.82 | 9.52 | 6.10 | |
| Revenue Detail — as filed | |||||||||||||
| + Dividend Income | 0.0 | 0.0 | 0.0 | — | — | — | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.0 | |
| + Fees & Commission Income | 30.5 | 47.1 | 45.8 | — | — | — | -21.1 | 5.0 | 10.7 | 11.4 | 16.1 | 11.5 | |
| + Net Gain on Fair Value Changes | 27.4 | 30.5 | 29.5 | — | — | — | 0.3 | 0.2 | 0.8 | 1.5 | -2.4 | 3.4 | |
| + Net Gain on Derecognition — Amortised Cost | 0.0 | 0.0 | 0.0 | — | — | — | 10.9 | -0.0 | -6.3 | 16.3 | 38.9 | -27.1 | |
| Expense Detail — as filed | |||||||||||||
| + Fees & Commission Expense | 10.5 | 15.4 | 14.6 | — | — | — | 23.8 | 21.6 | 19.8 | 18.1 | 19.4 | 16.0 | |
| + Impairment on Financial Instruments | 119.7 | 149.6 | 187.8 | — | — | — | 919.2 | 559.4 | 369.2 | 354.1 | 215.6 | 225.5 | |
| Other Comprehensive Income — detail | |||||||||||||
| + Other Comprehensive Income | 0.9 | -10.0 | -1.1 | — | — | — | -66.6 | -23.9 | 32.7 | 4.1 | 103.0 | -34.8 | |
| + Items NOT to be Reclassified to P&L | 1.8 | -2.3 | -5.0 | 1.5 | -3.3 | 0.8 | -1.0 | 4.0 | 2.5 | 1.6 | 1.9 | -5.4 | |
| + Tax on Items NOT to be Reclassified | — | — | — | — | — | — | -0.2 | 1.0 | 0.6 | 0.0 | 0.0 | 0.0 | |
| + Tax on Items NOT to be Reclassified — alt tag | 0.5 | -0.6 | -0.2 | 0.4 | -0.8 | 0.2 | — | — | — | — | — | — | |
| + Items to be Reclassified to P&L | -0.7 | -11.1 | 3.5 | -2.5 | 32.8 | 66.5 | -88.1 | -29.2 | 33.7 | 2.5 | 101.2 | -29.4 | |
| + Tax on Items to be Reclassified | — | — | — | — | — | — | -22.2 | -2.3 | 2.9 | 0.0 | 0.0 | 0.0 | |
| + Tax on Items to be Reclassified — alt tag | -0.2 | -2.8 | -0.2 | 0.6 | 8.5 | 16.7 | — | — | — | — | — | — | |
| Comprehensive Income — Owners of Parent | 559.2 | 562.9 | -1.1 | 552.7 | 592.4 | 332.4 | -257.8 | 114.5 | 252.6 | 249.2 | 610.2 | 549.8 | |
| Comprehensive Income — Non-controlling Interests | 2.3 | 2.4 | 0.0 | 1.9 | 1.5 | -3.6 | -12.0 | -5.9 | -2.6 | -2.5 | 0.7 | 0.2 | |
| Per Share — as-filed variants | |||||||||||||
| Basic EPS — Continuing Operations | 6.62 | 6.79 | 6.66 | 6.58 | 6.75 | 3.29 | -2.40 | 1.57 | 2.57 | 2.82 | 4.77 | 6.23 | |
| Diluted EPS — Continuing Operations | 6.62 | 6.79 | 6.66 | 6.58 | 6.75 | 3.29 | -2.40 | 1.57 | 2.57 | 2.82 | 4.76 | 6.10 | |
| Basic EPS — Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 4.77 | 0.00 | |
| Diluted EPS — Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 4.76 | 0.00 | |
| Derived — Gross Profit (Revenue − Materials − Purchases − Δ Inventories) | |||||||||||||
| Gross Profit | 2,156.7 | 2,305.3 | 2,359.8 | 2,488.2 | 2,633.1 | 2,559.7 | 2,359.7 | 2,262.4 | 2,283.5 | 2,353.1 | 2,613.8 | 3,034.2 | |
| 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) | 746.7 | 786.4 | 745.5 | 752.8 | 772.7 | 376.1 | -235.9 | 101.5 | 302.0 | 302.9 | 563.8 | 781.8 | |
| Net Income Adj (tax-effected) | 560.7 | 575.3 | 563.5 | 556.5 | 572.1 | 278.5 | -203.2 | 132.5 | 217.3 | 238.5 | 404.8 | 584.8 | |
| EPS Adj | 6.62 | 6.79 | 6.66 | 6.58 | 6.75 | 3.29 | -2.40 | 1.57 | 2.57 | 2.82 | 9.54 | 6.23 | |
| 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 | |
| Interest Earned | 2,043.8 | 2,201.1 | 2,273.4 | — | — | — | 2,339.3 | 2,235.7 | 2,251.2 | 2,244.1 | 2,513.0 | 2,997.7 | |
| Paid Up Equity Capital | 169.3 | 169.3 | 169.3 | 169.3 | 169.3 | 169.3 | 169.3 | 169.3 | 169.3 | 169.3 | 169.3 | 187.9 | |