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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 5,185 4,992 4,698 4,189
Interest expense (3,695) (3,689) (3,530) (3,133)
Net interest income 1,491 1,303 1,169 1,056
Non-interest income 809 543 507 506
Total op income 2,300 1,846 1,676 1,562
Total op expenses (1,304) (991) (902) (875)
Op profit (pre-prov) 996 855 773 687
Provisions (528) (327) (214) (278)
Exceptionals -- -- -- --
Profit before tax 468 528 559 409
Taxes (16) (113) (108) (98)
Net profit 452 415 451 311
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Y/e 31 Mar ( In .Cr) Mar-2019 Mar-2018 Mar-2017 Mar-2016
Total cash & equivalents 3,610 3,601 3,274 3,045
Investments 16,185 15,444 20,220 16,257
Advances 54,828 47,252 36,916 33,902
Total int-earning assets 74,623 66,297 60,409 53,204
Fixed assets 775 762 721 307
Other assets 3,773 3,425 3,020 3,190
Total assets 79,171 70,483 64,150 56,700
Net worth 5,785 5,410 5,143 3,691
Deposits 68,452 62,871 56,733 50,488
Borrowings 3,326 816 833 1,051
Total int-bearing liabs 71,778 63,687 57,566 51,540
Non-int-bearing liabs 1,608 1,386 1,441 1,470
Total liabilities 73,386 65,073 59,007 53,010
Equity + Total liabilities 79,171 70,483 64,150 56,701
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Particulars ( Rupees In Crores.) Dec-2019 Sep-2019 Jun-2019 Mar-2019
Interest Earned 1,622 1,630 1,584 1,531
Other Income 402 309 245 291
Total Income 2,024 1,938 1,829 1,822
Operating Expenses ** 1,522 1,525 1,479 1,498
Operating Profit Before Prov. & Cont. 502 413 350 324
Provisions & Contingencies 315 262 201 218
Depreciation -- -- -- --
Provision For Taxes 64 45.10 (27) 44.80
Fringe Benefit Tax  -- -- -- --
Deferred Tax -- -- -- --
Net Profit 123 106 175 61.70
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item 123 106 175 61.70
EPS (Unit Curr.) 4.36 3.75 6.21 2.18
EPS (Adj) (Unit Curr.) 3.96 3.41 5.65 1.98
Calculated EPS (Unit Curr.)  4.36 3.75 6.21 2.18
Calculated EPS (Adj) (Unit Curr.) 3.96 3.41 5.65 1.98
Calculated EPS (Ann.) (Unit Curr.)  17.40 15 24.80 8.74
Calculated EPS (Adj) (Ann.) (Unit Curr.)  15.80 13.60 22.60 7.95
Book Value (Unit Curr.) -- -- -- 205
Dividend (%) -- -- -- --
Equity 283 283 283 283
Reserve & Surplus  -- -- -- 5,090
Face Value 10 10 10 10
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(%) 80.20 78.70 78.20 75.60
PBDTM(%) 11.50 9.27 9.40 6.95
PATM(%) 7.59 6.50 11.10 4.03
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --