Date: July 17, 2026
Disclosure Context
Regulatory disclosure made pursuant to Regulation 30 of SEBI (LODR) Regulations, 2015, referencing SEBI master circular ref no. HO/49/14/14(7)2025-CFD-POD2/I/3762/2026 issued on July 11, 2023 updated on January 30, 2026.
Divergence in Asset Classification and Provisioning
Disclosure of Divergence in Asset Classification and Provisioning for NPAs as per the Risk Assessment Report (RAR) of the RBI for year 2024-25:
| Particulars | Amount (Rs. crore) |
| Gross NPAs as reported by bank (Mar 31, 2025) | 750 |
| Gross NPAs as assessed by RBI (Mar 31, 2025) | 919 |
| Divergence in Gross NPAs | 169 |
| Net NPAs as reported by bank (Mar 31, 2025) | 254 |
| Net NPAs as assessed by RBI (Mar 31, 2025) | 423 |
| Divergence in Net NPAs | 169 |
| Provisions for NPAs as reported by bank (Mar 31, 2025) | 495 |
| Provisions for NPAs as assessed by RBI (Mar 31, 2025) | 537 |
| Divergence in provisioning | 42 |
| Reported Profit before Provisions and Contingencies (FY25) | 1,226 |
| Reported Net Profit after Tax (PAT) (FY25) | 501 |
| Adjusted (notional) Net PAT after considering divergence | 459 |
Management Notes
Adjusted (notional) Net Profit of ₹459 crore has been arrived at after considering divergence in provisions of ₹42 crores that would have been required for the GNPA assessed by RBI of ₹919 crore as on March 31, 2025.
Financial Impact Statement
The divergence has been already provided for in FY 2025-26, resulting in nil impact on the Profit & Loss statement for FY 2026-27.
Other Sections Not Specified
KMP / Board / Auditor Changes: Not Specified
Dividend Declaration or Non-Declaration: Not Specified
Board Meeting Outcomes: Not Specified
Financial Results (Standalone & Consolidated): Not Specified
Auditor's Report: Not Specified
Disinvestment / Strategic Actions: Not Specified
Media Release / Investor Communication: Not Specified