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Y/e 31 Mar Mar-2017 Mar-2016 Mar-2015 Mar-2014
Growth matrix (%)        
Net interest income 41.40 39.40 27.40 30.40
Total op income 40.70 39 26.70 31.40
Op profit (pre-provision) 45 44 29 28.20
Net profit 43.60 42.40 24.90 21.60
Advances 37.70 41.30 42 26.80
Borrowings 36.80 39 35.80 42.60
Total assets 35.70 43.30 33.20 38.30
Profitability Ratios (%)        
NIM -- -- -- --
Non-int inc/Total inc 0.42 0.90 1.15 1.68
Return on Avg Equity 21.60 20.90 20.40 19.60
Return on Avg Assets 3.32 3.21 3.13 3.39
Per share ratios ()        
EPS 33.60 23.40 17.60 14.50
Adj.BVPS -- -- -- --
DPS 3.60 2.50 1.80 1.60
Other key ratios (%)        
Loans/Borrowings 51.20 50.90 50 47.80
Cost/Income 135 133 124 135
CAR -- -- -- 19.10
Tier-I capital -- -- -- 16.20
Gross NPLs/Loans -- -- -- --
Prov/Avg loans -- -- -- --
Net NPLs/Net loans -- -- -- --
Tax rate 0.53 0.54 0.51 0.52
Dividend yield 0.31 3.61 4.39 8.94
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Y/e 31 Mar ( In .Cr) Mar-2017 Mar-2016 Mar-2015 Mar-2014
Interest income 9,977 7,294 5,382 4,032
Interest expense (3,803) (2,927) (2,248) (1,573)
Net interest income 6,174 4,367 3,134 2,459
Non-interest income 26 39.80 36.40 41.90
Total op income 6,200 4,407 3,170 2,501
Total op expenses (2,564) (1,899) (1,428) (1,151)
Op profit (pre-prov) 3,636 2,507 1,742 1,350
Provisions (818) (543) (385) (259)
Exceptionals -- -- -- --
Profit before tax 2,818 1,965 1,357 1,091
Taxes (981) (686) (459) (372)
Net profit 1,837 1,279 898 719
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Y/e 31 Mar ( In .Cr) Mar-2017 Mar-2016 Mar-2015 Mar-2014
Equity Capital 109 156 50 49.80
Reserves 9,491 7,271 4,750 3,941
Net worth 9,600 7,427 4,800 3,991
Long-term borrowings 33,116 25,287 18,274 10,478
Other Long-term liabilities 485 447 136 104
Long term provisions 362 243 152 110
Total Non-current liabilities 33,963 25,977 18,561 10,692
Short Term Borrowings 8,922 5,638 4,278 5,473
Trade payables 529 335 274 215
Other current liabilities 9,777 6,954 4,700 4,122
Short term provisions 933 642 167 126
Total Current liabilities 20,161 13,569 9,419 9,935
Total Equities and Liabilities 63,725 46,973 32,780 24,618
Fixed Assets 361 287 249 220
Non-current investments 1,090 485 175 --
Deferred tax assets (Net) 369 280 212 139
Long-term loans and advances 59.90 99.80 88.60 112
Other non-current assets 32,028 24,779 18,120 13,852
Total Non-current assets 33,908 25,931 18,845 14,324
Current investments 2,984 549 157 28.20
Trade receivables -- -- -- --
Cash and cash equivalents 357 1,329 229 777
Short-term loans and advances 26,475 19,164 13,549 9,489
Other current assets -- -- -- --
Total Current assets 29,816 21,042 13,935 10,294
Total Assets 63,725 46,973 32,780 24,618
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Particulars ( Rupees In Crores.) Dec-2016 Dec-2015 Dec-2014 Dec-2013
Gross Sales 6,873 5,135 3,767 2,782
Excise Duty -- -- -- --
Net Sales 6,873 5,135 3,767 2,782
Other Operating Income 462 252 186 175
Other Income 60.70 38.50 20.80 18
Total Income 7,396 5,426 3,973 2,975
Total Expenditure ** 2,397 1,790 1,298 1,018
PBIDT 4,999 3,636 2,675 1,957
Interest 2,820 2,121 1,636 1,123
PBDT 2,179 1,515 1,038 834
Depreciation 51.50 39.20 26.10 19.40
Tax 740 512 346 277
Fringe Benefit Tax -- -- -- --
Deferred Tax -- -- -- --
Reported Profit After Tax 1,387 963 667 537
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item 1,387 963 667 537
EPS (Unit Curr.) 25.80 183 134 108
EPS (Adj) (Unit Curr.) 25.80 18.30 13.40 10.80
Calculated EPS (Unit Curr.) 25.30 180 133 108
Calculated EPS (Adj) (Unit Curr.)  25.30 18 13.30 10.80
Calculated EPS (Ann.) (Unit Curr.) 33.80 240 177 144
Calculated EPS (Adj) (Ann.) (Unit Curr.)  33.80 24 17.70 14.40
Book Value (Unit Curr.) -- -- -- --
Dividend (%) -- -- -- --
Equity 110 53.60 50.20 49.80
Reserve & Surplus -- -- -- --
Face Value 2 10 10 10
Public Shareholding (No Of.Shares)  -- -- 19,252,200 18,883,300
Public Shareholding (% in Equity)  -- -- 38.40 37.90
Pledged/Encumbered - No. of Shares -- -- -- --
Pledged/Encumbered - % in Total Promoters Holding -- -- -- --
Pledged/Encumbered - % in Total Equity -- -- -- --
Non Encumbered - No. of Shares -- -- 30,895,100 30,895,100
Non Encumbered - % in Total Promoters Holding -- -- 100 100
Non Encumbered - % in Total Equity -- -- 61.60 62.10
PBIDTM(%) 72.70 70.80 71 70.40
PBDTM(%) 31.70 29.50 27.60 30
PATM(%) 20.20 18.80 17.70 19.30