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 | 11,688.2 | 12,051.8 | 12,677.2 | 13,078.7 | 13,682.4 | 14,271.9 | 15,333.5 | 14,737.5 | 15,152.7 | 15,017.7 | 14,563.8 | 14,434.9 | |
| Other Income | 13.0 | 19.8 | 29.5 | 13.8 | 23.9 | 15.0 | 14.8 | 86.5 | 9.7 | 40.9 | 19.6 | 34.6 | |
| Total Income | 11,701.3 | 12,071.5 | 12,706.7 | 13,092.4 | 13,706.3 | 14,286.9 | 15,348.4 | 14,824.0 | 15,162.4 | 15,058.6 | 14,583.4 | 14,469.5 | |
| Expenses | |||||||||||||
| + Employee Benefit Expense | 48.5 | 69.4 | 66.1 | 62.3 | 65.5 | 54.8 | 85.5 | 64.0 | 66.7 | 70.6 | 70.2 | 74.3 | |
| + Finance Costs | 7,349.8 | 7,653.6 | 7,895.7 | 8,020.3 | 8,505.6 | 8,837.0 | 8,768.4 | 8,934.2 | 9,130.7 | 9,242.5 | 8,930.7 | 8,747.5 | |
| + Depreciation & Amortisation | 6.1 | 6.0 | 6.0 | 5.9 | 6.0 | 6.3 | 6.5 | 6.7 | 6.7 | 6.8 | 6.9 | 6.8 | |
| + Other Expenses | 220.3 | 108.8 | 234.2 | 183.2 | 165.7 | 287.5 | 220.8 | 176.0 | 209.9 | 203.8 | 507.9 | 1,033.4 | |
| Total Expenses | 6,863.7 | 7,899.9 | 7,477.2 | 8,743.2 | 8,608.9 | 9,105.9 | 9,858.5 | 9,157.6 | 9,613.4 | 9,903.9 | 10,168.9 | 9,201.2 | |
| EBITDA | 12,180.5 | 11,811.5 | 13,101.7 | 12,361.6 | 13,585.1 | 14,009.3 | 14,250.0 | 14,520.8 | 14,676.6 | 14,363.1 | 13,332.6 | 13,988.0 | |
| EBIT | 12,174.4 | 11,805.5 | 13,095.7 | 12,355.7 | 13,579.1 | 14,003.0 | 14,243.5 | 14,514.1 | 14,669.9 | 14,356.3 | 13,325.7 | 13,981.2 | |
| Profit | |||||||||||||
| PBT before Exceptional Items | 4,837.6 | 4,171.7 | 5,229.5 | 4,349.2 | 5,097.4 | 5,181.0 | 5,489.9 | 5,666.4 | 5,548.9 | 5,154.7 | 4,414.5 | 5,268.3 | |
| + Exceptional Items | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -18.3 | 0.0 | 0.0 | |
| Pretax Income | 4,837.6 | 4,171.7 | 5,229.5 | 4,349.2 | 5,097.4 | 5,181.0 | 5,489.9 | 5,666.4 | 5,548.9 | 5,136.4 | 4,414.5 | 5,268.3 | |
| + Current Tax | 746.1 | 880.2 | 906.1 | 955.7 | 1,058.7 | 1,044.7 | 1,039.6 | 1,041.4 | 1,164.2 | 1,022.2 | 525.2 | 1,085.4 | |
| + Deferred Tax | 301.6 | -16.9 | 244.3 | -66.7 | 1.0 | 59.9 | 140.3 | 159.3 | -30.2 | 61.8 | 514.3 | -9.8 | |
| Tax Expense | 1,047.7 | 863.3 | 1,150.4 | 889.0 | 1,059.7 | 1,104.6 | 1,179.9 | 1,200.7 | 1,134.0 | 1,084.0 | 1,039.5 | 1,075.5 | |
| Net Income | 3,789.9 | 3,308.4 | 4,079.1 | 3,460.2 | 4,037.7 | 4,076.4 | 4,310.0 | 4,465.7 | 4,414.9 | 4,052.4 | 3,375.1 | 4,192.8 | |
| + Net Income — Continuing Ops | 3,789.9 | 3,308.4 | 4,079.1 | 3,460.2 | 4,037.7 | 4,076.4 | 4,310.0 | 4,465.7 | 4,414.9 | 4,052.4 | 3,375.1 | 4,192.8 | |
| + Other Comprehensive Income | 415.4 | -720.3 | 1,166.7 | 82.6 | -1,251.9 | 702.7 | -1,050.1 | -2,464.2 | 668.5 | 676.1 | -3,046.8 | 3,247.2 | |
| Total Comprehensive Income | 4,205.3 | 2,588.1 | 5,245.8 | 3,542.8 | 2,785.8 | 4,779.0 | 3,259.8 | 2,001.6 | 5,083.5 | 4,728.6 | 328.3 | 7,440.0 | |
| Net Income to Common | 3,789.9 | 3,308.4 | 4,079.1 | 3,460.2 | 4,037.7 | 4,076.4 | 4,310.0 | 4,465.7 | 4,414.9 | 4,052.4 | 3,375.1 | 4,192.8 | |
| Per Share | |||||||||||||
| Basic EPS | 14.39 | 12.56 | 15.36 | 13.14 | 15.33 | 15.48 | 16.24 | 16.96 | 16.77 | 15.39 | 12.69 | 15.92 | |
| Diluted EPS | 14.39 | 12.56 | 15.36 | 13.14 | 15.33 | 15.48 | 16.24 | 16.96 | 16.77 | 15.39 | 12.69 | 15.92 | |
| Revenue Detail — as filed | |||||||||||||
| + Sale of Services | 112.9 | 64.2 | 57.5 | 50.2 | 151.8 | 128.7 | 180.3 | 80.9 | 88.4 | 98.6 | 180.6 | 125.1 | |
| + Dividend Income | 0.8 | 0.0 | 1.5 | 0.0 | 0.5 | 6.4 | 1.5 | 0.0 | 0.5 | 0.0 | 9.6 | 0.2 | |
| + Fees & Commission Income | 71.0 | 53.1 | 92.4 | 46.9 | 48.3 | 75.7 | 222.8 | 144.2 | 473.8 | 392.5 | 254.5 | 109.1 | |
| + Net Gain on Fair Value Changes | 104.1 | -15.5 | 135.7 | 286.1 | -2.9 | 83.5 | -18.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| + Net Loss on Fair Value Changes | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 576.5 | 58.7 | 263.9 | 63.4 | 299.6 | |
| Expense Detail — as filed | |||||||||||||
| + Fees & Commission Expense | 6.3 | 5.6 | 8.9 | 4.7 | 4.4 | 3.7 | 0.9 | 10.0 | 1.2 | 2.6 | 1.9 | 6.3 | |
| + Impairment on Financial Instruments | -767.4 | 56.4 | -733.7 | 466.8 | -138.2 | -83.4 | 776.5 | -609.8 | 139.7 | 113.7 | 587.8 | -966.6 | |
| Other Comprehensive Income — detail | |||||||||||||
| + Other Comprehensive Income | 415.4 | -720.3 | 1,166.7 | 82.6 | -1,251.9 | 702.7 | -1,050.1 | -2,464.2 | 668.5 | 676.1 | -3,046.8 | 3,247.2 | |
| + Items NOT to be Reclassified to P&L | 7.3 | 12.8 | 46.9 | 27.7 | -1.1 | -49.5 | -0.1 | 6.7 | 70.8 | -103.1 | -74.7 | 41.1 | |
| + Tax on Items NOT to be Reclassified | — | — | — | — | — | — | -0.1 | 0.6 | 5.1 | -5.7 | -25.3 | -1.1 | |
| + Tax on Items NOT to be Reclassified — alt tag | 0.0 | 7.3 | -3.4 | 0.8 | 0.3 | -0.7 | — | — | — | — | — | — | |
| + Items to be Reclassified to P&L | 408.1 | -1,109.0 | 1,491.9 | 74.4 | -1,671.1 | 1,004.2 | -1,403.4 | -3,301.2 | 805.7 | 1,033.7 | -4,005.6 | 4,282.9 | |
| + Tax on Items to be Reclassified | — | — | — | — | — | — | -353.2 | -830.8 | 202.8 | 260.2 | -1,008.1 | 1,077.9 | |
| + Tax on Items to be Reclassified — alt tag | 0.0 | -383.2 | 375.5 | 18.7 | -420.6 | 252.8 | — | — | — | — | — | — | |
| Comprehensive Income — Owners of Parent | 4,205.3 | 2,588.1 | 5,245.8 | 3,542.8 | 2,785.8 | 4,779.0 | 3,259.8 | 2,001.6 | 5,083.5 | 4,728.6 | 328.3 | 7,440.0 | |
| Per Share — as-filed variants | |||||||||||||
| Basic EPS — Continuing Operations | 14.39 | 12.56 | 15.36 | 13.14 | 15.33 | 15.48 | 16.24 | 16.96 | 16.77 | 15.39 | 12.69 | 15.92 | |
| Diluted EPS — Continuing Operations | 14.39 | 12.56 | 15.36 | 13.14 | 15.33 | 15.48 | 16.24 | 16.96 | 16.77 | 15.39 | 12.69 | 15.92 | |
| Derived — Gross Profit (Revenue − Materials − Purchases − Δ Inventories) | |||||||||||||
| Gross Profit | 11,688.2 | 12,051.8 | 12,677.2 | 13,078.7 | 13,682.4 | 14,271.9 | 15,333.5 | 14,737.5 | 15,152.7 | 15,017.7 | 14,563.8 | 14,434.9 | |
| 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) | 4,837.6 | 4,171.7 | 5,229.5 | 4,349.2 | 5,097.4 | 5,181.0 | 5,489.9 | 5,666.4 | 5,548.9 | 5,154.7 | 4,414.5 | 5,268.3 | |
| − Exceptional Items (reconciliation) | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -18.3 | 0.0 | 0.0 | |
| Net Income Adj (tax-effected) | 3,789.9 | 3,308.4 | 4,079.1 | 3,460.2 | 4,037.7 | 4,076.4 | 4,310.0 | 4,465.7 | 4,414.9 | 4,066.9 | 3,375.1 | 4,192.8 | |
| EPS Adj | 14.39 | 12.56 | 15.36 | 13.14 | 15.33 | 15.48 | 16.24 | 16.96 | 16.77 | 15.44 | 12.69 | 15.92 | |
| Other Filed Concepts — mapped but not yet placed in the schedule | |||||||||||||
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | |
| Interest Earned | 11,399.4 | 11,950.0 | 12,390.2 | 12,695.5 | 13,484.8 | 13,977.6 | 14,947.3 | 14,512.3 | 14,590.0 | 14,526.6 | 14,119.1 | 14,200.5 | |
| Paid Up Equity Capital | 2,633.2 | 2,633.2 | 2,633.2 | 2,633.2 | 2,633.2 | 2,633.2 | 2,633.2 | 2,633.2 | 2,633.2 | 2,633.2 | 2,633.2 | 2,633.2 | |