Performance metrics

Demonstrating excellence

Loan disbursement1

(` in crore)

  • FY2018,626
  • FY2110,445
  • FY2211,246
  • FY2314,965
  • FY2417,583

Loan asset^

(` in crore)

  • FY2068,394
  • FY2163,189
  • FY2257,895
  • FY2359,273
  • FY2465,358

Retail loan asset^

(` in crore)

  • FY2053,595
  • FY2151,189
  • FY2250,520
  • FY2355,471
  • FY2463,306

Assets under management2^

(` in crore)

  • FY2083,346
  • FY2174,469
  • FY2265,977
  • FY2366,617
  • FY2471,243

Deposit outstanding^

(` in crore)

  • FY2016,356
  • FY2117,003
  • FY2217,684
  • FY2317,248
  • FY2417,798

Net interest income

(` in crore)

  • FY202,308
  • FY212,323
  • FY221,869
  • FY232,346
  • FY242,516

Pre-provision operating profit

(` in crore)

  • FY202,062
  • FY212,069
  • FY221,600
  • FY232,052
  • FY242,125

Profit after tax

(` in crore)

  • FY20646
  • FY21930
  • FY22836
  • FY231,046
  • FY241,508

Gross non-performing assets^

(%)

  • FY202.94
  • FY214.74
  • FY228.13
  • FY233.83
  • FY241.50

1Retail segment contributed to 99% of the total loan disbursement in FY24
2Retail segment contributed to 97% of the total AUM in FY24, whereas corporate segment contributed to 3%
*Principal outstanding including principal overdue
^Indicates dates as on 31st March

Net non-performing assets*^

(%)

  • FY201.96
  • FY212.77
  • FY225.06
  • FY232.76
  • FY240.95

Net interest margin

(%)

  • FY202.98
  • FY213.16
  • FY222.80
  • FY233.73
  • FY243.74

Gross interest margin

(%)

  • FY203.21
  • FY213.33
  • FY223.16
  • FY234.06
  • FY244.02

OPEX to ATA*

(%)

  • FY200.57
  • FY210.52
  • FY220.68
  • FY230.81
  • FY240.93

Return on asset

(%)

  • FY200.80
  • FY211.23
  • FY221.24
  • FY231.61
  • FY242.20

Gearing^

(%)

  • FY208.53
  • FY216.72
  • FY225.37
  • FY234.87
  • FY243.68

Return on equity

(%)

  • FY208.12
  • FY2110.91
  • FY228.92
  • FY239.98
  • FY2410.90

CRAR^

(%)

  • FY2017.98
  • FY2118.73
  • FY2223.40
  • FY2324.43
  • FY2429.26

Earnings per share

(`)

  • FY2038.45
  • FY2155.29
  • FY2249.64
  • FY2353.211
  • FY2458.371

Book value^

(`)

  • FY20476
  • FY21530
  • FY22586
  • FY23652
  • FY245772

Disbursement per average
number of employee^

(` in crore)

  • FY2011.80
  • FY217.11
  • FY227.99
  • FY239.61
  • FY249.52

Loan asset per average
number of employee

(` in crore)

  • FY2043.31
  • FY2142.99
  • FY2241.12
  • FY2338.09
  • FY2435.39

1Post rights issue
2Adjusted for rights issue
*Principal outstanding including principal overdue
^Indicates dates as on 31st March