Summary of Key Information:

Reporting Period: Quarter and Half Year ended September 30, 2026

Nature of Filing / Announcement: Unaudited Financial Results (Standalone and Consolidated)

Audit Opinion:

Clean opinion - Statutory Central Auditors issued limited review report with unmodified opinion

Key Financial Highlights [₹ in Lakh]:

Standalone Results:

Quarter Ended September 30, 2026:

  • Revenue from Operations: ₹28,15,827 (YoY: +7.5% from ₹26,19,056)
  • Total Income: ₹32,80,929 (YoY: +5.2% from ₹31,18,638)
  • Net Profit: ₹5,53,720 (YoY: +30.3% from ₹4,24,908)
  • EPS: ₹7.25 (YoY: +30.2% from ₹5.57)
  • Operating Profit: ₹8,10,760 (YoY: +19.0% from ₹6,81,395)

Half Year Ended September 30, 2026:

  • Revenue from Operations: ₹55,36,146 (YoY: +4.2% from ₹53,10,981)
  • Total Income: ₹64,61,549 (YoY: +3.2% from ₹62,59,141)
  • Net Profit: ₹10,86,950 (YoY: +30.0% from ₹8,36,461)
  • EPS: ₹14.24 (YoY: +29.9% from ₹10.96)

Balance Sheet Items (Standalone as of September 30, 2026):

  • Paid-up Equity Share Capital: ₹7,63,361
  • Reserves excluding Revaluation Reserves: ₹1,31,01,913
  • Cash and Cash Equivalents: ₹53,88,504
  • Debt: ₹25,51,318
  • Net Worth: ₹1,28,71,215

Consolidated Results:

Quarter Ended September 30, 2026:

  • Revenue from Operations: ₹28,37,773
  • Total Income: ₹33,47,129
  • Net Profit: ₹5,78,100
  • EPS: ₹7.50

Half Year Ended September 30, 2026:

  • Revenue from Operations: ₹55,80,483
  • Total Income: ₹66,13,153
  • Net Profit: ₹11,42,252
  • EPS: ₹14.96

Analytical Ratios (Standalone):

  • Capital Adequacy Ratio (Basel III): 17.94% (Previous quarter: 18.46%, Year-ago: 17.07%)
  • CET 1 Ratio: 16.05% (Previous quarter: 16.38%, Year-ago: 14.37%)
  • Gross NPA: 2.42% (Previous quarter: 2.65%, Year-ago: 3.29%)
  • Net NPA: 0.42% (Previous quarter: 0.47%, Year-ago: 0.55%)
  • Return on Assets (Annualized): 1.38%
  • Net Profit Margin: 16.88%
  • Provision Coverage Ratio: 95.20%

Segment-wise Performance [₹ in Lakh]:

Standalone Segment Revenue for Half Year Ended September 30, 2026:

  • Treasury Operations: ₹13,70,291
  • Retail Banking Operations: ₹24,85,914
  • Digital Banking: ₹55,810
  • Non-Digital Banking: ₹24,30,104
  • Corporate/Wholesale Banking Operations: ₹24,05,099
  • Other Banking Operations: ₹94,750
  • Unallocated: ₹1,05,495

Standalone Segment Profit for Half Year Ended September 30, 2026:

  • Treasury Operations: ₹2,39,780
  • Retail Banking Operations: ₹5,55,321
  • Corporate/Wholesale Banking Operations: ₹4,91,307
  • Other Banking Operations: ₹51,099

Corporate Actions:

  • No dividend declared in this period
  • No share split, bonus issue, or buyback announced
  • Redeemed Basel III compliant bonds of ₹1,850 crore (Tier-I bonds of ₹1,000 crore and Tier-II bonds of ₹850 crore)
  • Issued USD 600 million dual tranche notes through DIFC Branch (Dubai)

Other Significant Information:

  • Transferred Investment Fluctuation Reserve of ₹71,701.40 crore to General Reserve
  • Contingency provision of ₹1,000 crore maintained (not part of PCR or CAR)
  • PSLC transactions: ₹12,000 crore sold with commission earned of ₹216.76 crore
  • Consolidated entities include 7 subsidiaries, 2 jointly controlled entities, and 1 associate
  • Bank infused capital of ₹22.64 crore in ASREC (India) Ltd., increasing shareholding to 27.30%