Key Financial Figures (Standalone)

Quarter Ended 30.09.2026:

  • Interest Earned: ₹35,159.39 crore
  • Other Income: ₹5,771.80 crore
  • Total Income: ₹40,931.19 crore
  • Interest Expended: ₹24,154.64 crore
  • Operating Expenses: ₹8,018.42 crore
  • Operating Profit: ₹8,758.13 crore
  • Provisions (Other than Tax): ₹1,781.97 crore
  • Profit Before Tax: ₹6,976.16 crore
  • Tax Expense: ₹1,801.40 crore
  • Net Profit: ₹5,174.76 crore

Half Year Ended 30.09.2026:

  • Interest Earned: ₹68,116.43 crore
  • Other Income: ₹12,499.02 crore
  • Total Income: ₹80,615.45 crore
  • Interest Expended: ₹46,896.41 crore
  • Operating Expenses: ₹16,325.05 crore
  • Operating Profit: ₹17,393.99 crore
  • Provisions (Other than Tax): ₹3,862.01 crore
  • Profit Before Tax: ₹13,531.98 crore
  • Tax Expense: ₹3,501.40 crore
  • Net Profit: ₹10,030.58 crore

Key Ratios (Standalone)

  • Capital Adequacy Ratio (Basel III): 17.19%
  • Common Equity Tier I Ratio: 12.80%
  • Additional Tier 1 Ratio: 2.25%
  • Gross NPA: 1.33% (₹18,298.95 crore)
  • Net NPA: 0.30% (₹4,053.19 crore)
  • Return on Assets (Annualized): 1.05%
  • Basic EPS: ₹5.70 (Q2), ₹11.06 (H1)
  • Government of India Shareholding: 62.93%

Consolidated Financial Results

Quarter Ended 30.09.2026:

  • Net Profit: ₹5,182.03 crore
  • After Minority Interest: ₹5,381.59 crore

Half Year Ended 30.09.2026:

  • Net Profit: ₹10,046.11 crore
  • After Minority Interest: ₹10,562.30 crore

Segment Performance (Standalone)

Retail Banking Operations:

  • Q2 Revenue: ₹20,618.33 crore
  • Q2 Segment Results: ₹5,185.32 crore

Wholesale Banking Operations:

  • Q2 Revenue: ₹12,993.47 crore
  • Q2 Segment Results: ₹232.44 crore

Treasury Operations:

  • Q2 Revenue: ₹7,319.39 crore
  • Q2 Segment Results: ₹1,558.40 crore

Capital Structure

  • Paid-up Equity Share Capital: ₹1,814.13 crore (Face Value ₹2 per share)
  • Reserves excluding Revaluation Reserves: ₹105,144.54 crore (as of 31.03.2026)

Significant Events and Disclosures

1. Investment Fluctuation Reserve: Transferred outstanding IFR balance of ₹1,936.63 crore to General Reserves during H1 FY27 following RBI circular discontinuation

2. Subsidiaries and Associates: Consolidated results include 6 subsidiaries and 5 associates including Regional Rural Banks

3. Basel III Compliance: Bank redeemed Tier II Bonds of ₹3,000 crore and issued AT1 bonds of ₹2,042 crore during the period

4. Asset Quality: Provision Coverage Ratio stands at 95.34% as of 30.09.2026

5. PSLC Transactions: Sold 1,16,000 units in Q2 earning commission of ₹898.23 crore; cumulative FY27 sales of 3,56,000 units with commission of ₹2,574.73 crore

6. RBI Penalty: Penalty of ₹41.80 lakh imposed during H1 FY27 under Banking Regulation Act, 1949

7. Investor Complaints: Received 37 complaints during Q2 FY27, all resolved within the quarter

Cash Flow Statement (Standalone)

  • Net Cash from Operating Activities: ₹8,879.37 crore (H1 FY27)
  • Net Cash from Investing Activities: (₹644.68) crore (H1 FY27)
  • Net Cash from Financing Activities: (₹6,012.91) crore (H1 FY27)
  • Closing Cash and Cash Equivalents: ₹2,08,525.11 crore

Related Party Transactions

Total remuneration to Key Management Personnel for H1 FY27: ₹1.32 crore

Security Cover Certificate

Bank has issued unsecured listed non-convertible debt securities totaling ₹53,445.00 crore. Security cover requirement is not applicable for unsecured instruments.

Statement of Deviation/Variation

No deviation/variation in utilization of funds raised for the quarter ended 30.09.2026

Outstanding Defaults

No outstanding defaults on loans or debt securities as of 30.09.2026

Total financial indebtedness (Domestic): ₹1,87,52,703.92 lakh