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 | 587.6 | 645.3 | 698.9 | — | |
| + Impairment Loss / (Reversal) | 4,552.3 | 5,311.7 | 5,339.0 | — | |
| + Finance Costs | 15,536.3 | 18,393.5 | 21,493.0 | — | |
| + Interest Income | -33,562.8 | -40,176.2 | -46,437.3 | — | |
| + Dividend Income | 0.0 | -1.7 | -1.8 | — | |
| + Fair Value (Gains) / Losses | -144.7 | -200.9 | -355.0 | — | |
| + Share-based Payments | 10.5 | 0.3 | 28.1 | — | |
| + Other Non-cash Items | 0.0 | -12.3 | -13.8 | — | |
| + Other — Cash Effects are Investing / Financing | -505.0 | -1,686.3 | 0.0 | — | |
| + Other Reconciling Items | -8.7 | 341.3 | 4.6 | — | |
| Cash from Operating Activities | |||||
| Profit Before Tax (per I/S) | 9,960.2 | 12,502.9 | 13,300.2 | 15,019.7 | |
| + Total Adjustments (incl. Working Capital) | -13,534.5 | -17,385.4 | -19,244.4 | — | |
| Cash from Operations (pre-tax) | -3,574.3 | -4,882.5 | -5,944.2 | — | |
| + Interest Received — Operating | 32,121.4 | 39,992.4 | 45,959.3 | — | |
| + Interest Paid — Operating | 13,633.8 | 15,560.3 | 18,453.8 | — | |
| + Other Inflows / (Outflows) — Operating | -42,572.2 | -59,559.6 | -30,874.6 | — | |
| + Income Taxes Paid | 3,442.5 | 3,641.9 | 3,968.1 | — | |
| Cash from Operating Activities | -31,101.4 | -43,651.9 | -13,281.4 | — | |
| Cash from Investing Activities | |||||
| + Acq of Fixed Assets (Capex) | 185.4 | 223.6 | 191.2 | — | |
| + Acq of Intangible Assets | 80.1 | 31.0 | 5.0 | — | |
| + Disp of Fixed Assets | 5.7 | 3.7 | 2.6 | — | |
| + Disp of Investment Property | 1.6 | 0.0 | 0.0 | — | |
| + Acq of Subsidiaries / Businesses (net) | 0.0 | 0.0 | 50.1 | — | |
| + Disp of Subsidiaries / Businesses (net) | 0.0 | 3,929.0 | 1.6 | — | |
| + Other Inflows / (Outflows) — Investing | 0.0 | -16.9 | -0.6 | — | |
| Cash from Investing Activities | -258.2 | 3,661.2 | -242.8 | — | |
| Cash from Financing Activities | |||||
| + Proceeds from Issue of Shares | 30.5 | 5.5 | 0.0 | — | |
| + Proceeds from Other Equity Instruments | 397.4 | 0.0 | 0.0 | — | |
| + Proceeds from Exercise of Stock Options | 0.0 | 0.0 | 4.6 | — | |
| + Proceeds from Debentures / Notes / Bonds | 24,346.1 | 0.0 | 0.0 | — | |
| + Proceeds from Borrowings | 89,054.9 | 1,21,907.4 | 70,910.8 | — | |
| + Repayment of Borrowings | 84,454.9 | 76,658.8 | 56,259.9 | — | |
| + Payment of Lease Liabilities | 231.8 | 210.5 | 229.5 | — | |
| + Dividends Paid | 1,875.1 | 1,859.3 | 1,465.1 | — | |
| + Other Inflows / (Outflows) — Financing | 342.0 | 1,336.8 | -4,374.2 | — | |
| Cash from Financing Activities | 27,609.1 | 44,521.1 | 8,586.8 | — | |
| Net Changes in Cash (pre-FX) | -3,750.5 | 4,530.4 | -4,937.5 | — | |
| Net Changes in Cash | -3,750.5 | 4,530.4 | -4,937.5 | — | |
| Closing Cash | 6,182.4 | 10,681.4 | 5,745.8 | — | |
| Reference Items | |||||
| EBITDA | 26,036.1 | 30,024.1 | 35,460.4 | 36,981.1 | |
| EBITDA Margin % | 71.57 | 71.77 | 73.67 | 73.97 | |
| Free Cash Flow (CFO − Capex) | -31,366.9 | -43,906.5 | -13,477.7 | -13,477.7 | |
| Free Cash Flow per Basic Share | -166.71 | -233.35 | -71.63 | -71.63 | |
| Cash Flow to Net Income | -4.20 | -4.56 | -1.32 | — | |
| Cash Paid for Taxes | 3,442.5 | 3,641.9 | 3,968.1 | — | |