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Summary of significant accounting policies (Tables)

12 Months Ended

Mar. 31, 2015

Schedule of Composite depreciation rate

Depreciation is provided over the estimated useful lives of fixed assets on a straight-line basis at the following rates:


Type of Asset		Rate of depreciation
Premises		1.63%
Software and systems		20.00%
Equipment and furniture		10.00%-33.33%

Schedule of Intangible Assets Amortization Computation Factors

Amortization of intangible assets is computed in a manner that best reflects the economic benefits of the intangible assets as follows:


		Useful lives (years)		Amortization method
Branch network		6			Straight-line
Customer lists		2			Straight-line
Core deposit		5			Straight-line
Favorable leases		1 to 15			Straight-line