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CONSOLIDATED STATEMENTS OF CASH FLOWS
₨ in Millions, $ in Millions
 12 Months Ended
Mar. 31, 2016
INR (₨)
Mar. 31, 2016
USD ($)
Mar. 31, 2015
INR (₨)
Mar. 31, 2014
INR (₨)
Cash flows from operating activities:        
Net income before noncontrolling interest ₨ 118,049.9 $ 1,781.9 ₨ 99,504.7 ₨ 79,446.2
Adjustment to reconcile net income to net cash provided by operating activities        
Provision for credit losses 21,531.3 325.0 17,000.2 17,428.1
Depreciation and amortization 7,427.5 112.1 6,905.8 6,980.3
Amortization of intangible assets 7.0 0.1 219.0 1,538.5
Amortization of deferred customer acquisition costs 7,061.7 106.6 5,232.0 3,569.3
Amortization of premium (discount) on investments 913.2 13.8 (331.3) (1,015.2)
Other than temporary impairment losses on available for sale securities 54.9 0.8 1.8 664.7
Provision for deferred income taxes [1] (1,410.4) (21.3) (352.1) (1,994.6)
Share-based compensation expense 12,593.8 190.1 9,138.8 5,495.5
Net realized (gain) loss on sale of available for sale securities (5,646.0) (85.2) (5,167.9) (1,755.7)
(Gain) loss on disposal of property and equipment, net 2.6 0.0 (111.5) (27.1)
Exchange (gain) loss 556.1 8.4 (3,453.5) (7,585.6)
Net change in:        
Investments held for trading (9,310.4) (140.5) 3,785.1 27,645.6
Accrued interest receivable (12,408.3) (187.3) (5,211.1) (5,988.2)
Other assets (21,624.4) (326.4) 73,205.1 (75,437.9)
Accrued interest payable 8,123.7 122.6 4,762.5 (30,460.9)
Accrued expense and other liabilities 44,151.0 666.4 (95,770.5) 108,648.3
Net cash provided by operating activities 170,073.2 2,567.1 109,357.1 127,151.3
Cash flows from investing activities:        
Net change in term placements 21,089.7 318.3 6,492.2 22,784.0
Activity in available for sale securities:        
Purchases (3,078,054.2) (46,461.2) (1,383,086.4) (471,211.3)
Proceeds from sales 1,129,146.1 17,043.7 139,646.9 88,685.7
Maturities, prepayments and calls 1,581,067.8 23,865.2 687,313.0 476,119.7
Net change in repurchase options and reverse repurchase agreements 256,632.7 3,873.7 105,730.0 (195,322.6)
Loans purchased (124,630.2) (1,881.2) (82,492.1) (66,898.7)
Repayments on loans purchased 47,174.7 712.1 35,489.4 48,036.7
Increase in loans originated, net of principal collections (967,395.6) (14,602.1) (672,149.0) (669,463.7)
Additions to property and equipment (9,983.4) (150.7) (8,913.7) (9,728.5)
Proceeds from sale or disposal of property and equipment 111.5 1.7 329.2 127.3
Net cash used in investing activities (1,144,840.9) (17,280.5) (1,171,640.5) (776,871.4)
Cash flows from financing activities:        
Net increase in deposits 930,935.7 14,051.9 824,928.2 708,925.0
Net increase (decrease) in short-term borrowings 39,370.5 594.3 61,577.6 477.7
Purchase of subsidiary shares from noncontrolling interest 0.0 0.0 (715.7) (2,265.8)
Proceeds from issue of shares by a subsidiary to noncontrolling interests 33.9 0.5 340.8 162.4
Proceeds from issuance of long-term debt 129,121.4 1,949.0 104,257.6 146,341.9
Repayment of long-term debt (79,391.6) (1,198.4) (49,324.0) (51,063.9)
Proceeds from issuance of equity shares for options exercised 12,229.0 184.6 9,954.1 7,232.9
Proceeds from issuance of equity shares 0.0 0.0 97,227.9 0.0
Payment of dividends and dividend tax (24,367.9) (367.8) (19,300.5) (15,372.6)
Net cash provided by financing activities 1,007,931.0 15,214.1 1,028,946.0 794,437.6
Effect of exchange rate changes on cash and cash equivalents 3,384.1 51.0 3,626.5 7,377.5
Net change in cash and cash equivalents 36,547.4 551.7 (29,710.9) 152,095.0
Cash and cash equivalents, beginning of year 341,124.3 5,149.0 370,835.2 218,740.2
Cash and cash equivalents, end of year 377,671.7 5,700.7 341,124.3 370,835.2
Supplementary cash flow information:        
Interest paid 324,572.3 4,899.2 259,656.1 260,039.7
Income taxes paid 70,678.5 1,066.8 56,480.4 42,107.9
Non-cash investment activities        
Payable for purchase of property and equipment ₨ 890.6 $ 13.4 ₨ 1,010.2 ₨ 814.6
[1] Includes deferred income tax benefits on the amortization of intangible assets of Rs. 495.6 million, Rs. 74.4 million and Rs. 2.4 million for fiscals March 31, 2014, March 31, 2015 and March 31, 2016, respectively.