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Loans (Tables)

12 Months Ended

Mar. 31, 2015

Loans by Facility

Loans by facility as of March 31, 2014 and March 31, 2015 were as follows:

		As of March 31,
		2014				2015				2015
		(In millions)
Retail loans:
Auto loans		Rs.	407,811.6			Rs.	486,251.7			US$	7,803.8
Personal loans/Credit cards			347,393.8				449,381.7				7,212.0
Retail business banking			519,472.2				660,456.7				10,599.5
Commercial vehicle and construction equipment finance			280,372.2				305,995.4				4,910.9
Housing loans			193,180.5				241,368.8				3,873.7
Other retail loans			440,107.4				577,534.2				9,268.6
Subtotal		Rs.	2,188,337.7			Rs.	2,720,988.5			US$	43,668.5
Wholesale loans		Rs.	1,039,923.6			Rs.	1,222,460.6			US$	19,619.0
Gross loans			3,228,261.3				3,943,449.1				63,287.5
Less: Allowance for credit losses			42,613.2				47,334.1				759.6
Total		Rs.	3,185,648.1			Rs.	3,896,115.0			US$	62,527.9

Financing Receivable, by Contractual Residual Maturity

The contractual residual maturity of gross loans as of March 31, 2015 is set out below:

		As of March 31, 2015
		Wholesale loans				Retail loans				Total
		(In millions)
Maturity profile of loans:
Within one year		Rs.	680,287.1			Rs.	789,973.4			Rs.	1,470,260.5
Over one year through five years			442,874.1				1,681,275.6				2,124,149.7
Over five years			99,299.4				249,739.5				349,038.9
Total gross loans		Rs.	1,222,460.6			Rs.	2,720,988.5			Rs.	3,943,449.1
Total gross loans		US$	19,619.0			US$	43,668.5			US$	63,287.5

Financing Receivable Credit Quality Indicators

Gross loans analyzed by performance are as follows:

As of

March 31, 2014

March 31, 2015

March 31, 2015

(In millions)

Performing

Rs.

3,198,574.8

Rs.

3,904,124.3

US$

62,656.4

Impaired

29,686.5

39,324.8

631.1

Total gross loans

Rs.

3,228,261.3

Rs.

3,943,449.1

US$

63,287.5

Past Due Financing Receivables

The following table provides details of age analysis of loans as of March 31, 2014 and March 31, 2015.

		As of March 31, 2014
		31-90 days past due				Impaired / 91 days or more past due				Total current or less than 31 days past due				Total
		(in millions)
Retail Loans
Auto loans		Rs.	2,326.2			Rs.	1,845.2			Rs.	403,640.2			Rs.	407,811.6
Personal loans/Credit card			1,940.5				1,984.4				343,468.9				347,393.8
Retail business banking			3,815.1				7,104.6				508,552.5				519,472.2
Commercial vehicle and construction equipment finance			7,500.8				6,207.8				266,663.6				280,372.2
Housing loans			83.2				205.8				192,891.5				193,180.5
Other retail			3,947.7				3,580.5				432,579.2				440,107.4
Wholesale loans			1,452.2				8,758.2				1,029,713.2				1,039,923.6
Total		Rs.	21,065.7			Rs.	29,686.5			Rs.	3,177,509.1			Rs.	3,228,261.3

		As of March 31, 2015
		31-90 days past due				Impaired / 91 days or more past due				Total current or less than 31 days past due				Total
		(in millions)
Retail Loans
Auto loans		Rs.	2,448.7			Rs.	2,718.7			Rs.	481,084.3			Rs.	486,251.7
Personal loans/Credit card			2,361.1				2,648.4				444,372.2				449,381.7
Retail business banking			5,262.5				10,012.5				645,181.7				660,456.7
Commercial vehicle and construction equipment finance			5,389.7				5,559.4				295,046.3				305,995.4
Housing loans			68.7				242.7				241,057.4				241,368.8
Other retail			5,184.2				4,653.5				567,696.5				577,534.2
Wholesale loans			1,244.7				13,489.6				1,207,726.3				1,222,460.6
Total		Rs.	21,959.6			Rs.	39,324.8			Rs.	3,882,164.7			Rs.	3,943,449.1
Total		US$	352.4			US$	631.1			US$	62,304.0			US$	63,287.5

Impaired Financing Receivables

 The following table provides details of impaired loans as of March 31, 2014 and March 31, 2015

		As of March 31, 2014
		Recorded investments				Unpaid principal balance				Related specific allowance				Average recorded investments				Finance receivable on non-accrual status
		(In millions)
Retail Loans
Auto loans		Rs.	1,845.2			Rs.	1,845.2			Rs.	796.1			Rs.	1,542.0			Rs.	1,845.2
Personal loans/ Credit card			1,984.4				1,984.4				1,267.3				1,767.5				1,984.4
Retail business banking			7,104.6				7,104.6				5,598.1				6,447.4				6,978.2
Commercial vehicle and construction equipment finance			6,207.8				6,207.8				3,472.9				4,932.9				6,207.8
Housing loans			205.8				205.8				116.7				236.9				205.8
Other retail			3,580.5				3,580.5				2,082.0				2,827.2				3,580.5
Wholesale loans			8,758.2				8,758.2				7,316.1				7,655.6				8,612.8
Total		Rs.	29,686.5			Rs.	29,686.5			Rs.	20,649.2			Rs.	25,409.5			Rs.	29,414.7

The Bank holds no recorded impaired loans for which there is no related allowance.

		As of March 31, 2015
		Recorded investments				Unpaid principal balance				Related specific allowance				Average recorded investments				Finance receivable on non-accrual status
		(In millions)
Retail Loans
Auto loans		Rs.	2,718.7			Rs.	2,718.7			Rs.	1,226.0			Rs.	2,282.0			Rs.	2,718.7
Personal loans/ Credit card			2,648.4				2,648.4				1,634.0				2,316.4				2,648.4
Retail business banking			10,012.5				10,012.5				7,105.6				8,558.6				9,723.4
Commercial vehicle and construction equipment finance			5,559.4				5,559.4				3,630.6				5,883.6				5,559.4
Housing loans			242.7				242.7				127.4				224.3				242.7
Other retail			4,653.5				4,653.5				2,901.6				4,117.0				4,653.5
Wholesale loans			13,489.6				13,489.6				8,083.8				11,123.9				11,347.5
Total		Rs.	39,324.8			Rs.	39,324.8			Rs.	24,709.0			Rs.	34,505.8			Rs.	36,893.6
Total		US$	631.1			US$	631.1			US$	396.5			US$	553.8			US$	592.1

Allowance for Credit Losses on Financing Receivables

Allowance for credit losses as of March 31, 2014 are as follows:

		As of March 31, 2014
		Specific																												Unallocated
		Retail
		Auto loans				Personal Loans/ Credit card				Retail business banking				Commercial vehicle and construction equipment finance				Housing loans				Other retail				Wholesale				Retail				Wholesale				Total
		(In millions)
Allowance for credit losses, beginning of the period		Rs.	556.7			Rs.	1,067.1			Rs.	5,058.2			Rs.	2,094.4			Rs.	185.0			Rs.	1,751.0			Rs.	5,754.5			Rs.	14,731.6			Rs.	2,495.7			Rs.	33,694.2
Write-offs			(2,150.4	)			(5,748.9	)			(93.7	)			(5,014.1	)			(21.3	)			(1,166.2	)			(714.5	)											(14,909.1	)
Net allowance for credit losses*			2,389.8				5,949.1				633.6				6,392.6				(47.0	)			1,497.2				2,276.1				4,493.9				242.8				23,828.1
Allowance for credit losses, end of the period		Rs.	796.1			Rs.	1,267.3			Rs.	5,598.1			Rs.	3,472.9			Rs.	116.7			Rs.	2,082.0			Rs.	7,316.1			Rs.	19,225.5			Rs.	2,738.5			Rs.	42,613.2
Allowance for credit losses:
Allowance individually evaluated for impairment		Rs.	0			Rs.	0			Rs.	0			Rs.	0			Rs.	0			Rs.	0			Rs.	7,316.1			Rs.	0			Rs.	0			Rs.	7,316.1
Allowance collectively evaluated for impairment			796.1				1,267.3				5,598.1				3,472.9				116.7				2,082.0				0				19,225.5				2,738.5				35,297.1
Loans:
Loans individually evaluated for impairment			0				0				0				0				0				0				8,758.2				0				0				8,758.2
Loans collectively evaluated for impairment			1,845.2				1,984.4				7,104.6				6,207.8				205.8				3,580.5				0				2,167,409.4				1,031,165.4				3,219,503.1

* Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 6,400.0 million.

Allowance for credit losses as of March 31, 2015 are as follows:

		As of March 31, 2015
		Specific																												Unallocated
		Retail
		Auto loans				Personal Loans/ Credit card				Retail business banking				Commercial vehicle and construction equipment finance				Housing loans				Other retail				Wholesale				Retail				Wholesale				Total				Total
		(In millions)
Allowance for credit losses, beginning of the period		Rs.	796.1			Rs.	1,267.3			Rs.	5,598.1			Rs.	3,472.9			Rs.	116.7			Rs.	2,082.0			Rs.	7,316.1			Rs.	19,225.5			Rs.	2,738.5			Rs.	42,613.2			US$	683.9
Write-offs			(2,858.9	)			(7,418.1	)			(380.8	)			(4,327.8	)			(9.2	)			(1,328.8	)			(3,480.4	)											(19,804.0	)			(317.8	)
Net allowance for credit losses*			3,288.8				7,784.8				1,888.3				4,485.5				19.9				2,148.4				4,248.1				151.2				509.9				24,524.9				393.5
Allowance for credit losses, end of the period		Rs.	1,226.0			Rs.	1,634.0			Rs.	7,105.6			Rs.	3,630.6			Rs.	127.4			Rs.	2,901.6			Rs.	8,083.8			Rs.	19,376.7			Rs.	3,248.4			Rs.	47,334.1			US$	759.6
Allowance for credit losses:
Allowance individually evaluated for impairment		Rs.	0			Rs.	0			Rs.	0			Rs.	0			Rs.	0			Rs.	0			Rs.	8,083.8			Rs.	0			Rs.	0			Rs.	8,083.8			US$	129.7
Allowance collectively evaluated for impairment			1,226.0				1,634.0				7,105.6				3,630.6				127.4				2,901.6				0				19,376.7				3,248.4				39,250.3				629.9
Loans:
Loans individually evaluated for impairment			0				0				0				0				0				0				13,489.6				0				0				13,489.6				216.5
Loans collectively evaluated for impairment			2,718.7				2,648.4				10,012.5				5,559.4				242.7				4,653.5				0				2,695,153.3				1,208,971.0				3,929,959.5				63,071.0

* Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 7,524.7 million.

Troubled Debt Restructurings Modifications

The following table summarizes the Bank’s TDR modifications during the year ended March 31, 2014 and March 31, 2015 presented by primary modification type and includes the financial effects of these modifications.

		Fiscal year ended March 31, 2014
		Carrying value				TDRs involving changes in the amount of principal payments (1)				TDRs involving changes in the amount of interest payments (2)				TDRs involving changes in the amount of both principal and interest payments				Balance of principal forgiven				Net P&L impact (3)
		(In millions)
Retail business banking		Rs.	83.9			Rs.	0			Rs.	83.9			Rs.	0			Rs.	0			Rs.	7.8
Wholesale loans			167.0				0				167.0				0				0				147.0
Total4		Rs.	250.9			Rs.	0			Rs.	250.9			Rs.	0			Rs	0			Rs.	154.8

(1) TDRs involving changes in the amount of principal payment may include principal forgiveness or deferral of periodic and/or final principal payments.

(2) TDRs involving changes in the amount of interest payments may involve a reduction in interest rate.

(3) Balances reflect charge-offs and/or allowance for credit losses and/or income not recognized/deferred

(4) TDR modification during the year ended March 31, 2014 comprised of four cases.

		Fiscal year ended March 31, 2015
		Carrying value				TDRs involving changes in the amount of principal payments (1)				TDRs involving changes in the amount of interest payments (2)				TDRs involving changes in the amount of both principal and interest payments				Balance of principal forgiven				Net P&L impact (3)
		(In millions)
Retail business banking		Rs.	257.5			Rs.	0			Rs.	257.5			Rs.	0			Rs.	0			Rs.	9.8
Wholesale loans			1,937.3				0				1,937.3				0				0				176.0
Total4		Rs.	2,194.8			Rs.	0			Rs.	2,194.8			Rs.	0			Rs.	0			Rs.	185.8
Total4		US$	35.2			US$	0			US$	35.2			US$	0			US$	0			US$	3.0

(1) TDRs involving changes in the amount of principal payment may include principal forgiveness or deferral of periodic and/or final principal payments.

(2) TDRs involving changes in the amount of interest payments may involve a reduction in interest rate.

(3) Balances reflect charge-offs and/or allowance for credit losses and/or income not recognized/deferred

(4) TDR modification during the year ended March 31, 2015 comprised of six cases.

The table below summarizes TDRs that have defaulted in the current period within 12 months of their modification date. The defaulted TDRs are based on a payment default definition of 90 days past due.

		As of March 31, 2015
		recorded investments
		(In millions)
Retail loans:
Retail business banking		Rs.	72.2
Wholesale loans			79.5
Total		Rs.	151.7
Total		US$	2.4

Schedule of Interest and Fee Income, Loans and Leases

Interest on loans by facility are as follows:

		Fiscal years ended March 31,
		2013				2014				2015				2015
		(In millions)
Wholesale		Rs.	82,159.2			Rs.	93,448.1			Rs.	105,465.8			US$	1,692.6
Retail loans			189,571.3				233,307.2				282,798.9				4,538.6
Total		Rs.	271,730.5			Rs.	326,755.3			Rs.	388,264.7			US$	6,231.2

Wholesale loans

Financing Receivable Credit Quality Indicators

Wholesale Loans

The Bank has in place a process of grading each borrower according to its financial health and the performance of its business and each borrower is graded as pass/labeled/impaired. Wholesale loans that are not impaired are disclosed as pass or labeled. Labeled loans are those with evidence of weakness where such exposures indicate deteriorating trends which if not corrected could adversely impact repayment of the obligations. The Bank’s model assesses the overall risk over four major categories – industry risk, business risk, management risk and financial risk. The inputs in each of the categories are combined to provide an aggregate numerical rating, which is a function of the aggregate weighted scores based on the assessment under each of these four risk categories.

		As of March 31,
		2014				2015				2015
		(In millions)
Credit quality indicators-Internally assigned grade and payment activity
Pass		Rs.	1,029,884.6			Rs.	1,205,084.8			US$	19,340.2
Labeled			1,280.8				3,886.2				62.3
Impaired			8,758.2				13,489.6				216.5
Total		Rs.	1,039,923.6			Rs.	1,222,460.6			US$	19,619.0

Receivable By Industry

Impaired Financing Receivables

Impaired loans by industry as of March 31, 2014 and March 31, 2015 by facility are as follows:

		As of March 31, 2014
		(In millions)
Gross impaired loans by industry:
— Land Transport		Rs.	2,077.9
— Iron & Steel			1,811.8
—Others (none greater than 5% of impaired loans)			25,796.8
Total		Rs.	29,686.5

		As of March 31, 2015
		(In millions)
Gross impaired loans by industry:
—Activities allied to agriculture		Rs.	5,369.3			US$	86.2
—Iron & Steel			4,793.8				76.9
— Wholesale Trade			3,608.2				57.9
—Consumer Loans			2,392.3				38.4
—Others (none greater than 5% of impaired loans)			23,161.2				371.7
Total		Rs.	39,324.8			US$	631.1

Summary information relating to impaired loans during the year ended March 31, 2013, March 31, 2014 and March 31, 2015 is as follows:

		Fiscal Year ended March 31,
		2013				2014				2015				2015
		(In millions)
Average impaired loans, net of allowance		Rs.	4,191.7			Rs.	6,851.3			Rs.	11,826.6			US$	189.8
Interest income recognized on impaired loans		Rs.	1,647.8			Rs.	1,664.7			Rs.	1,898.0			US$	30.5

Retail Loans

Financing Receivable Credit Quality Indicators

Retail Loans

Credit quality indicator based on payment activity as of March 31, 2014 and as of March 31, 2015 is given below.

		As of March 31, 2014
		Auto loans				Personal loans/ Credit card				Retail business banking				Commercial vehicle and construction equipment finance				Housing loans				Other retail				Total
		(In millions)
Performing		Rs.	405,966.4			Rs.	345,409.4			Rs.	512,367.6			Rs.	274,164.4			Rs.	192,974.7			Rs.	436,526.9			Rs.	2,167,409.4
Impaired			1,845.2				1,984.4				7,104.6				6,207.8				205.8				3,580.5				20,928.3
Total		Rs.	407,811.6			Rs.	347,393.8			Rs.	519,472.2			Rs.	280,372.2			Rs.	193,180.5			Rs.	440,107.4			Rs.	2,188,337.7
		As of March 31, 2015
		Auto loans				Personal loans/ Credit card				Retail business banking				Commercial vehicle and construction equipment finance				Housing loans				Other retail				Total
		(In millions)
Performing		Rs.	483,533.0			Rs.	446,733.3			Rs.	650,444.2			Rs.	300,436.0			Rs.	241,126.1			Rs.	572,880.7			Rs.	2,695,153.3
Impaired			2,718.7				2,648.4				10,012.5				5,559.4				242.7				4,653.5				25,835.2
Total		Rs.	486,251.7			Rs.	449,381.7			Rs.	660,456.7			Rs.	305,995.4			Rs.	241,368.8			Rs.	577,534.2			Rs.	2,720,988.5
Total		US$	7,803.8			US$	7,212.0			US$	10,599.5			US$	4,910.9			US$	3,873.7			US$	9,268.6			US$	43,668.5

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