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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 54,156 52,739 49,091 44,178
Interest expense (32,419) (31,515) (30,052) (27,703)
Net interest income 21,737 21,224 19,040 16,476
Non-interest income 19,504 15,323 12,176 10,428
Total op income 41,242 36,547 31,216 26,903
Total op expenses (14,755) (12,684) (11,496) (10,309)
Op profit (pre-prov) 26,487 23,864 19,720 16,595
Provisions (15,208) (11,668) (3,900) (2,626)
Exceptionals -- -- -- --
Profit before tax 11,279 12,196 15,820 13,968
Taxes (1,478) (2,469) (4,645) (4,158)
Net profit 9,801 9,726 11,175 9,810
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Y/e 31 Mar ( In .Cr) Mar-2019 Mar-2018 Mar-2017 Mar-2016
Total cash & equivalents 80,296 84,169 75,713 59,869
Investments 207,733 202,994 161,507 160,412
Advances 586,647 512,395 464,232 435,264
Total int-earning assets 874,676 799,559 701,452 655,544
Fixed assets 7,931 7,904 7,805 7,577
Other assets 85,645 75,197 65,902 60,735
Total assets 968,252 882,660 775,159 723,856
Net worth 108,368 105,159 99,951 89,736
Deposits 652,920 560,975 490,039 448,528
Borrowings 165,320 182,859 147,556 147,705
Total int-bearing liabs 818,240 743,834 637,595 596,233
Non-int-bearing liabs 41,645 33,667 37,613 37,887
Total liabilities 859,884 777,501 675,208 634,121
Equity + Total liabilities 968,252 882,660 775,159 723,856
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Particulars ( Rupees In Crores.) Mar-2020 Sep-2019 Mar-2019 Sep-2018
Interest Earned 38,253 36,545 33,573 29,828
Other Income 8,829 7,620 7,504 7,008
Total Income 47,082 44,165 41,077 36,836
Operating Expenses ** 32,143 31,002 28,697 25,778
Operating Profit Before Prov. & Cont. 14,939 13,163 12,380 11,058
Provisions & Contingencies 8,051 6,003 9,696 9,966
Depreciation -- -- -- --
Provision For Taxes 2,319 1,427 3,078 282
Fringe Benefit Tax  -- -- -- --
Deferred Tax (799) 3,170 (2,968) 20.80
Net Profit 5,368 2,563 2,574 789
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item 5,368 2,563 2,574 789
EPS (Unit Curr.) 8.29 3.97 3.99 1.23
EPS (Adj) (Unit Curr.) 8.29 3.97 3.99 1.23
Calculated EPS (Unit Curr.)  8.29 3.97 3.99 1.23
Calculated EPS (Adj) (Unit Curr.) 8.29 3.97 3.99 1.23
Calculated EPS (Ann.) (Unit Curr.)  16.60 7.93 7.98 2.45
Calculated EPS (Adj) (Ann.) (Unit Curr.)  16.60 7.93 7.98 2.45
Book Value (Unit Curr.) -- 171 -- 164
Dividend (%) -- -- -- --
Equity 1,295 1,292 1,289 1,287
Reserve & Surplus  -- 106,269 -- 101,080
Face Value 2 2 2 2
Public Shareholding (No Of.Shares)  -- -- -- --
Public Shareholding (% in Equity) -- -- -- --
(%) of shares held by GOI -- 0.30 -- 0.20
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(%) 72.30 76.40 64.80 61.70
PBDTM(%) 18 19.60 8 3.66
PATM(%) 14 7.01 7.67 2.65
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --