Date: October 15, 2026
Structural Liquidity Position (as of September 30, 2026)
Outflows Analysis
Total Outflows: ₹14,41,899.49 lakh (₹14,419 crore)
Capital Structure:
- Equity Capital: ₹16,776.70 lakh (all in over 5 years bucket)
- Reserves & Surplus: ₹2,88,961.00 lakh (non-sensitive)
- Share Premium Account: ₹1,60,573.60 lakh
- Reserves under Sec 45-IC of RBI Act 1934: ₹27,479.10 lakh
- Other Reserves: ₹24,835.80 lakh
- Retained Earnings: ₹76,072.50 lakh
Borrowings Composition (₹10,68,755.66 lakh):
- Bank Borrowings: ₹8,69,610.61 lakh (81.4% of total borrowings)
- Term Money Borrowings: ₹5,11,573.24 lakh
- ECBs: ₹1,32,561.41 lakh
- Other Bank Borrowings: ₹2,25,475.96 lakh
- Other Borrowings (NBC/FI): ₹78,398.55 lakh
- Commercial Papers: ₹3,391.00 lakh (all to banks, 3-6 month bucket)
- Non-Convertible Debentures: ₹1,17,355.50 lakh (primarily from NBFCs: ₹95,887.50 lakh)
Bucket-wise Borrowings Distribution:
- 0-7 days: ₹8,670.53 lakh
- 8-14 days: ₹3,823.33 lakh
- 15-30 days: ₹34,148.64 lakh
- 1-2 months: ₹45,311.09 lakh
- 2-3 months: ₹72,872.67 lakh
- 3-6 months: ₹1,45,017.35 lakh
- 6-12 months: ₹3,34,513.67 lakh
- 1-3 years: ₹4,19,041.28 lakh
- 3-5 years: ₹5,357.10 lakh
Other Liabilities:
- Current Liabilities & Provisions: ₹47,199.23 lakh
- Statutory Dues: ₹1,232.90 lakh
- Other Outflows: ₹18,974.00 lakh
Inflows Analysis
Total Inflows: ₹14,41,899.49 lakh (₹14,419 crore)
Liquid Assets:
- Cash: ₹217.60 lakh
- Balances with Banks: ₹1,96,005.70 lakh
- Current Accounts: ₹1,40,410.60 lakh
- Deposit Accounts: ₹55,595.10 lakh
Investments: ₹47,990.30 lakh
- Government Securities: ₹22,398.00 lakh (15-30 day bucket)
- Other Investments: ₹25,592.30 lakh (over 5 years bucket)
Loan Portfolio:
- Performing Advances: ₹10,42,663.41 lakh
- Term Loans: ₹10,24,376.40 lakh
- Interest Receivables: ₹18,287.01 lakh
- Non-Performing Loans (Substandard): ₹38,000.70 lakh (3-5 year bucket)
Other Assets: ₹1,10,276.08 lakh
- Fixed Assets: ₹6,745.70 lakh
- Intangible Assets: ₹12,434.30 lakh
- Other Receivables: ₹97,841.78 lakh
Liquidity Mismatch Analysis
Cumulative Mismatch Position:
- 0-7 days: ₹1,65,950.41 lakh surplus (1,913.96% of outflows)
- 8-14 days: ₹1,76,949.60 lakh surplus (1,416.29% cumulative)
- 15-30 days: ₹1,76,110.41 lakh surplus (290.22% cumulative)
- 1-2 months: ₹1,96,777.90 lakh surplus (185.65% cumulative)
- 2-3 months: ₹2,10,147.88 lakh surplus (117.49% cumulative)
- 3-6 months: ₹2,24,424.98 lakh surplus (69.29% cumulative)
- 6-12 months: ₹1,67,818.37 lakh surplus (25.49% cumulative)
- 1-3 years: ₹2,14,580.41 lakh surplus (19.92% cumulative)
- 3-5 years: ₹2,33,679.62 lakh surplus (20.85% cumulative)
- Over 5 years: ₹0.00 (balanced)
Interest Rate Sensitivity Analysis
Interest-Bearing Liabilities: ₹8,43,279.70 lakh
- Fixed Rate Borrowings: Dominant across all buckets
- Floating Rate Borrowings: Primarily in term money borrowings (₹4,88,177.43 lakh)
Interest-Earning Assets: ₹10,42,663.41 lakh
- Entire performing advances portfolio at fixed rates
Interest Rate Mismatch:
- Cumulative Mismatch: ₹1,15,493.85 lakh (10.81% of total outflows)
- Highest sensitivity in 3-5 year bucket: 680.12% mismatch
- Negative mismatch in 6-12 month bucket: -16.92%
Off-Balance Sheet Items
No material off-balance sheet exposures reported in either outflow or inflow categories across all time buckets. All derivative exposures, loan commitments, guarantees, and letters of credit show zero values.
Actual Cash Flows (Previous Month)
- Actual Outflow: ₹70,515.47 lakh
- Actual Inflow: ₹70,515.47 lakh
- Net cash flow: Balanced