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Y/e 31 Mar - - - -
Growth matrix (%)        
Net interest income -- -- -- --
Total op income -- -- -- --
Op profit (pre-provision) -- -- -- --
Net profit -- -- -- --
Advances -- -- -- --
Deposits -- -- -- --
Total assets -- -- -- --
Profitability Ratios (%)        
NIM -- -- -- --
Non-int inc/Total inc -- -- -- --
Return on Avg Equity -- -- -- --
Return on Avg Assets -- -- -- --
Per share ratios ()        
EPS -- -- -- --
Adj.BVPS -- -- -- --
DPS -- -- -- --
Other key ratios (%)        
Credit/Deposits -- -- -- --
Cost/Income -- -- -- --
CASA -- -- -- --
CAR -- -- -- --
Tier-I capital -- -- -- --
Gross NPLs/Loans -- -- -- --
Prov/Avg loans -- -- -- --
Net NPLs/Net loans -- -- -- --
Tax rate -- -- -- --
Dividend yield -- -- -- --
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Y/e 31 Mar ( In .Cr) Mar-2017 Mar-2016 Mar-2015 Mar-2014
Interest income 44,542 40,988 35,479 30,641
Interest expense (26,449) (24,155) (21,254) (18,690)
Net interest income 18,093 16,833 14,224 11,952
Non-interest income 11,691 9,371 8,365 7,405
Total op income 29,784 26,204 22,589 19,357
Total op expenses (12,200) (10,101) (9,204) (7,901)
Op profit (pre-prov) 17,585 16,104 13,385 11,456
Provisions (12,117) (3,710) (2,328) (2,107)
Exceptionals -- -- -- --
Profit before tax 5,468 12,394 11,058 9,349
Taxes (1,788) (4,170) (3,700) (3,131)
Net profit 3,679 8,224 7,358 6,218
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Y/e 31 Mar ( In .Cr) Mar-2019 Mar-2018 Mar-2017 Mar-2016
Total cash & equivalents 67,205 43,455 50,256 33,325
Investments 174,969 153,876 128,793 131,524
Advances 494,798 439,650 373,069 338,774
Total int-earning assets 736,972 636,981 552,119 503,623
Fixed assets 4,037 3,972 3,747 3,523
Other assets 60,073 50,505 45,693 32,850
Total assets 801,081 691,458 601,559 539,996
Net worth 66,676 63,445 55,763 53,165
Deposits 548,471 453,623 414,379 357,968
Borrowings 152,776 148,016 105,031 108,580
Total int-bearing liabs 701,247 601,639 519,410 466,548
Non-int-bearing liabs 33,158 26,373 26,387 20,283
Total liabilities 734,405 628,012 545,797 486,831
Equity + Total liabilities 801,081 691,458 601,559 539,996
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Particulars ( Rupees In Crores.) Sep-2019 Mar-2019 Sep-2018 Mar-2018
Interest Earned 30,693 28,928 26,058 23,493
Other Income 7,765 7,527 5,603 5,382
Total Income 38,457 36,455 31,661 28,874
Operating Expenses ** 26,613 25,916 23,195 21,348
Operating Profit Before Prov. & Cont. 11,844 10,539 8,466 7,526
Provisions & Contingencies 7,333 5,766 6,265 9,991
Depreciation -- -- -- --
Provision For Taxes 3,253 1,587 710 (1,002)
Fringe Benefit Tax  -- -- -- --
Deferred Tax -- -- -- --
Net Profit 1,258 3,186 1,491 (1,462)
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item 1,258 3,186 1,491 (1,462)
EPS (Unit Curr.) 4.82 12.40 5.81 --
EPS (Adj) (Unit Curr.) 4.82 12.40 5.81 --
Calculated EPS (Unit Curr.)  4.46 12.40 5.80 (5.70)
Calculated EPS (Adj) (Unit Curr.) 4.46 12.40 5.80 (5.70)
Calculated EPS (Ann.) (Unit Curr.)  8.92 24.80 11.60 (11)
Calculated EPS (Adj) (Ann.) (Unit Curr.)  8.92 24.80 11.60 (11)
Book Value (Unit Curr.) 298 -- 253 --
Dividend (%) -- -- -- --
Equity 564 514 514 513
Reserve & Surplus  -- -- -- --
Face Value 2 2 2 2
Public Shareholding (No Of.Shares)  -- -- -- --
Public Shareholding (% in Equity) -- -- -- --
(%) of shares held by GOI -- -- -- --
Pledged/Encumbered - No. of Shares -- -- -- --
Pledged/Encumbered - % in Total Promoters Holding -- -- -- --
Pledged/Encumbered - % in Total Equity -- -- -- --
Non Encumbered - No. of Shares -- -- -- --
Non Encumbered - % in Total Promoters Holding -- -- -- --
Non Encumbered - % in Total Equity -- -- -- --
PBIDTM(%) 75.80 77.40 68.50 49.20
PBDTM(%) 14.70 16.50 8.45 (10)
PATM(%) 4.10 11 5.72 (6.20)
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --