Statement of Short-Term Dynamic Liquidity (as on 31/03/2026)

All amounts in ₹ Crores

Outflows by Time Bucket:

  • 1-7 days (April 2026): ₹390.19 crore
  • Increase in loans and advances: ₹248.39 crore
  • Net decrease in public deposits, ICDs: ₹5.77 crore
  • Net decrease in borrowing from various sources: ₹112.56 crore
  • Other outflows - Expenses: ₹23.47 crore
  • 8-14 days (April 2026): ₹285.47 crore
  • Increase in loans and advances: ₹248.39 crore
  • Net decrease in public deposits, ICDs: ₹0.67 crore
  • Net decrease in borrowing from various sources: ₹12.94 crore
  • Other outflows - Expenses: ₹23.47 crore
  • 15-31 days (April 2026): ₹973.07 crore
  • Increase in loans and advances: ₹603.23 crore
  • Net decrease in public deposits, ICDs: ₹2.37 crore
  • Net decrease in borrowing from various sources: ₹310.47 crore
  • Other outflows - Expenses: ₹57.00 crore
  • Over 1 month to 3 months (July-September 2026): ₹8,251.31 crore
  • Increase in loans and advances: ₹2,200.00 crore
  • Net decrease in public deposits, ICDs: ₹6.98 crore
  • Net decrease in borrowing from various sources: ₹5,836.45 crore
  • Other outflows - Expenses: ₹207.89 crore
  • 3 to 6 months (October 2026-March 2027): ₹6,934.51 crore
  • Increase in loans and advances: ₹3,600.00 crore
  • Net decrease in public deposits, ICDs: ₹16.36 crore
  • Net decrease in borrowing from various sources: ₹3,006.33 crore
  • Other outflows - Expenses: ₹311.83 crore

Inflows by Time Bucket:

  • 1-7 days (April 2026): ₹395.71 crore
  • Net cash position: ₹0.10 crore
  • Net increase in deposits: ₹2.33 crore
  • Inflow on performing advances: ₹192.79 crore
  • Net increase in borrowing from various sources: ₹200.00 crore
  • Other inflows - Income: ₹0.48 crore
  • 8-14 days (April 2026): ₹297.73 crore
  • Net cash position: ₹0.10 crore
  • Net increase in deposits: ₹2.33 crore
  • Inflow on Investments: ₹1.76 crore
  • Inflow on performing advances: ₹192.58 crore
  • Net increase in borrowing from various sources: ₹100.00 crore
  • Other inflows - Income: ₹0.96 crore
  • 15-31 days (April 2026): ₹1,077.36 crore
  • Net cash position: ₹0.25 crore
  • Net increase in deposits: ₹5.00 crore
  • Inflow on Investments: ₹0.39 crore
  • Inflow on performing advances: ₹467.16 crore
  • Net increase in borrowing from various sources: ₹600.00 crore
  • Other inflows - Income: ₹4.56 crore
  • Over 1 month to 3 months (July-September 2026): ₹7,199.72 crore
  • Net cash position: ₹0.91 crore
  • Net increase in deposits: ₹20.00 crore
  • Inflow on Investments: ₹327.22 crore
  • Inflow on performing advances: ₹1,655.40 crore
  • Net increase in borrowing from various sources: ₹5,150.00 crore
  • Other inflows - Income: ₹46.20 crore
  • 3 to 6 months (October 2026-March 2027): ₹5,409.17 crore
  • Net cash position: ₹1.36 crore
  • Net increase in deposits: ₹20.00 crore
  • Inflow on Investments: ₹53.97 crore
  • Inflow on performing advances: ₹3,619.04 crore
  • Net increase in borrowing from various sources: ₹1,540.92 crore
  • Other inflows - Income: ₹173.88 crore

Liquidity Mismatch Analysis:

  • 1-7 days: Surplus of ₹5.52 crore (1.41% of outflows)
  • 8-14 days: Surplus of ₹12.26 crore (4.30% of outflows)
  • 15-31 days: Surplus of ₹104.29 crore (10.72% of outflows)
  • Over 1 month to 3 months: Deficit of ₹1,051.59 crore (-12.74% of outflows)
  • 3 to 6 months: Deficit of ₹1,525.34 crore (-22.00% of outflows)

Cumulative Mismatch:

  • Cumulative through 1-7 days: ₹5.52 crore
  • Cumulative through 8-14 days: ₹17.78 crore
  • Cumulative through 15-31 days: ₹122.07 crore
  • Cumulative through 1-3 months: ₹-929.53 crore
  • Cumulative through 3-6 months: ₹-2,454.87 crore

Statement of Structural Liquidity (as on 31/03/2026)

Total Outflows: ₹51,520.66 crore across all time buckets

Total Inflows: ₹78,652.21 crore across all time buckets

Overall Mismatch: ₹27,125.83 crore (52.65% of cumulative outflows)

Key Outflow Components:

  • Borrowings: ₹19,053.84 crore total across all periods
  • Deposits: ₹220.20 crore total across all periods
  • Interest on borrowings: ₹6,294.31 crore total across all periods
  • Loan commitments pending disbursal: ₹1,402.43 crore total across all periods

Key Inflow Components:

  • Advances (Term loans only): ₹42,052.71 crore total across all periods
  • Total Interest: ₹24,981.60 crore total across all periods
  • Non-Performing loans (Net of Provisions): ₹156.43 crore total across all periods

Additional Facilities:

The unavailed borrowing limit with various banks is ₹2,540.92 crore and WCDL is ₹5,049.95 crore.

Compliance Information

The document was digitally signed by Nilesh Jain, Company Secretary, on June 10, 2026 at 16:49:59 +05:30.