Financial Performance Highlights

Q1-2027 Performance

  • Profit After Tax (PAT): US$1.56 billion (₹148.05 billion)
  • YoY Growth: 15.9% increase
  • Net Interest Income: Growth from ₹743.06 billion in FY2024 to ₹880.75 billion in FY2026
  • Net Interest Margin (NIM): 4.3% in FY2026
  • Return on Assets (RoA): 2.49% as of June 30, 2026
  • Return on Equity (RoE): 17.1% as of June 30, 2026

Historical Performance (₹ billion)

| Metric | FY2024 | FY2025 | FY2026 | Q1-2026 | Q1-2027 | Growth % |

| Core operating income | 972.64 | 1,096.72 | 1,188.33 | 301.40 | 329.60 | 9.4% |

| Non-interest expenses | 391.33 | 423.72 | 472.34 | 113.94 | 125.74 | 10.4% |

| Operating profit before provisions | 581.31 | 672.99 | 715.99 | 187.46 | 203.86 | 8.7% |

| Provisions and contingencies | 36.43 | 46.83 | 53.80 | 18.15 | 12.60 | (30.6)% |

| Profit before tax | 544.88 | 626.16 | 662.19 | 169.31 | 191.26 | 13.0% |

| Tax | 136.00 | 153.89 | 160.72 | 41.63 | 43.21 | 3.8% |

| Profit after tax | 408.88 | 472.27 | 501.47 | 127.68 | 148.05 | 15.9% |

Balance Sheet Position

Liabilities (₹ billion)

| Component | Mar 31, 2024 | Mar 31, 2025 | Mar 31, 2026 | Jun 30, 2025 | Jun 30, 2026 | Q1-o-Q1 Growth % |

| Net worth | 2,383.99 | 2,920.76 | 3,373.71 | 3,063.21 | 3,534.91 | 15.4% |

| Deposits | 14,128.25 | 16,103.48 | 17,946.25 | 16,085.18 | 18,335.86 | 14.0% |

| - Savings | 4,023.00 | 4,407.72 | 4,756.06 | 4,458.42 | 4,763.70 | 6.8% |

| - Demand | 1,935.72 | 2,329.57 | 2,679.82 | 2,169.71 | 2,478.86 | 14.2% |

| - Term | 8,169.53 | 9,366.19 | 10,510.38 | 9,457.04 | 11,093.30 | 17.3% |

| Borrowings | 1,249.68 | 1,235.38 | 1,249.94 | 1,170.95 | 1,262.92 | 7.9% |

| Other liabilities | 953.23 | 922.77 | 1,155.41 | 919.06 | 1,190.57 | 29.5% |

| Total liabilities | 18,715.15 | 21,182.40 | 23,725.31 | 21,238.39 | 24,324.26 | 14.5% |

Assets (₹ billion)

| Component | Mar 31, 2024 | Mar 31, 2025 | Mar 31, 2026 | Jun 30, 2025 | Jun 30, 2026 | Q1-o-Q1 Growth % |

| Cash & bank balances | 1,399.26 | 1,855.62 | 2,303.35 | 1,645.98 | 1,630.47 | (0.9)% |

| Investments | 4,619.42 | 5,047.57 | 4,922.17 | 5,077.07 | 5,385.34 | 6.1% |

| Advances | 11,844.06 | 13,417.66 | 15,538.93 | 13,641.57 | 16,312.60 | 19.6% |

| Fixed & other assets | 852.41 | 861.55 | 960.86 | 873.77 | 995.85 | 14.0% |

| Total assets | 18,715.15 | 21,182.40 | 23,725.31 | 21,238.39 | 24,324.26 | 14.5% |

Credit Quality Metrics

  • Gross NPA (GNPA): Improved from 2.16% in FY2024 to 1.4% in Q1-2027
  • Net NPA Ratio: 0.35% as of June 30, 2026
  • Provision Coverage Ratio: 74.7% as of June 30, 2026
  • Contingency Provisions: US$1.4 billion (₹131.00 billion) as of June 30, 2026

Capital Adequacy

  • Total Capital Adequacy Ratio: 16.84% as of June 30, 2026
  • Common Equity Tier 1 (CET-1) Ratio: 16.19% as of June 30, 2026

Market Position & Funding

  • Second largest private-sector bank in India by assets (RBI data)
  • Designated as one of three Domestic Systemically Important Banks (D-SIBs) in India
  • Market Capitalization: US$110.5 billion as of July 21, 2026 (Indian stock exchanges)
  • CASA Ratio: 39.5% (period-end)
  • SLR Investments: US$44.9 billion (₹4,255.10 billion)

Distribution Network Growth

| Branch Type | Mar 31, 2025 | Mar 31, 2026 | % Share Mar 31, 2026 |

| Metro | 2,079 | 2,356 | 31.4% |

| Urban | 1,422 | 1,507 | 20.1% |

| Semi urban | 1,905 | 1,956 | 26.0% |

| Rural | 1,577 | 1,692 | 22.5% |

| Total branches | 6,983 | 7,511 | 100.0% |

  • 528 branches added in FY2026
  • Total branches: 7,608 as of June 30, 2026
  • ATMs and CRMs: 16,285 (Mar 31, 2025) to 12,087 (Mar 31, 2026)

Subsidiaries & Leadership

  • Leadership across full suite of financial services including life insurance, general insurance, asset management, broking, housing finance, and pension fund management
  • Highly qualified Board and strong leadership

Credit Ratings

  • S&P: BBB/Stable
  • S&P: Standalone Credit Profile (SACP) of 'a-'
  • Moody's: Baa3/Stable

Disclaimer Information

The presentation contains forward-looking statements and is strictly confidential. It is not a prospectus or offering document and has not been registered with any regulatory authorities in India or abroad. The securities mentioned are not registered under the U.S. Securities Act and cannot be offered or sold in the United States absent registration or exemption.