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Allowance for Credit Losses (Detail) ₨ in Millions, $ in Millions | 12 Months Ended |
--- | --- | ---
Mar. 31, 2017 INR (₨) | Mar. 31, 2017 USD ($) | Mar. 31, 2016 INR (₨) | Mar. 31, 2015 INR (₨) | Mar. 31, 2017 USD ($)
Financing Receivable, Allowance for Credit Losses [Line Items] |  |  |  |  |  |  |  |  |
Allowance for credit losses, beginning of the period | ₨ 57,360.1 |  | $ 884.5 |  | ₨ 47,334.1 |  | ₨ 42,613.2 |  |
Write-offs | (26,563.2) |  | (409.6) |  | (20,218.6) |  | (19,804.0) |  |
Net allowance for credit losses | 47,700.0 | [1] | 735.6 | [1] | 30,244.6 | [2] | 24,524.9 | [3] |
Allowance for credit losses, end of the period | 78,496.9 |  | $ 1,210.5 |  | 57,360.1 |  | 47,334.1 |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |
Allowance individually evaluated for impairment | 11,713.5 |  |  |  | 7,413.4 |  | 8,083.8 |  | $ 180.7
Allowance collectively evaluated for impairment | 66,783.4 |  |  |  | 49,946.7 |  | 39,250.3 |  | 1,029.8
Loans: |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment | 30,275.7 |  |  |  | 15,559.7 |  | 13,489.6 |  | 466.9
Loans collectively evaluated for impairment | 5,958,634.0 |  |  |  | 4,977,274.7 |  | 3,929,959.5 |  | $ 91,883.3
Specific allowance for credit losses | Retail Loans | Auto loans |  |  |  |  |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Line Items] |  |  |  |  |  |  |  |  |
Allowance for credit losses, beginning of the period | 2,101.1 |  |  |  | 1,226.0 |  | 796.1 |  |
Write-offs | (5,155.0) |  |  |  | (3,581.4) |  | (2,858.9) |  |
Net allowance for credit losses | 5,846.8 | [1] |  |  | 4,456.5 | [2] | 3,288.8 | [3] |
Allowance for credit losses, end of the period | 2,792.9 |  |  |  | 2,101.1 |  | 1,226.0 |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |
Allowance individually evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Allowance collectively evaluated for impairment | 2,792.9 |  |  |  | 2,101.1 |  | 1,226.0 |  |
Loans: |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Loans collectively evaluated for impairment | 6,105.6 |  |  |  | 4,494.5 |  | 2,718.7 |  |
Specific allowance for credit losses | Retail Loans | Personal loans/Credit card |  |  |  |  |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Line Items] |  |  |  |  |  |  |  |  |
Allowance for credit losses, beginning of the period | 2,638.6 |  |  |  | 1,634.0 |  | 1,267.3 |  |
Write-offs | (11,639.3) |  |  |  | (8,296.6) |  | (7,418.1) |  |
Net allowance for credit losses | 13,040.7 | [1] |  |  | 9,301.2 | [2] | 7,784.8 | [3] |
Allowance for credit losses, end of the period | 4,040.0 |  |  |  | 2,638.6 |  | 1,634.0 |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |
Allowance individually evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Allowance collectively evaluated for impairment | 4,040.0 |  |  |  | 2,638.6 |  | 1,634.0 |  |
Loans: |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Loans collectively evaluated for impairment | 6,467.4 |  |  |  | 4,441.6 |  | 2,648.4 |  |
Specific allowance for credit losses | Retail Loans | Retail Business Banking |  |  |  |  |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Line Items] |  |  |  |  |  |  |  |  |
Allowance for credit losses, beginning of the period | 10,617.5 |  |  |  | 7,105.6 |  | 5,598.1 |  |
Write-offs | (1,453.4) |  |  |  | (686.1) |  | (380.8) |  |
Net allowance for credit losses | 6,114.3 | [1] |  |  | 4,198.0 | [2] | 1,888.3 | [3] |
Allowance for credit losses, end of the period | 15,278.4 |  |  |  | 10,617.5 |  | 7,105.6 |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |
Allowance individually evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Allowance collectively evaluated for impairment | 15,278.4 |  |  |  | 10,617.5 |  | 7,105.6 |  |
Loans: |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Loans collectively evaluated for impairment | 21,060.1 |  |  |  | 15,486.0 |  | 10,012.5 |  |
Specific allowance for credit losses | Retail Loans | Commercial vehicle and construction equipment finance |  |  |  |  |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Line Items] |  |  |  |  |  |  |  |  |
Allowance for credit losses, beginning of the period | 3,876.7 |  |  |  | 3,630.6 |  | 3,472.9 |  |
Write-offs | (3,227.4) |  |  |  | (3,065.1) |  | (4,327.8) |  |
Net allowance for credit losses | 3,749.2 | [1] |  |  | 3,311.2 | [2] | 4,485.5 | [3] |
Allowance for credit losses, end of the period | 4,398.5 |  |  |  | 3,876.7 |  | 3,630.6 |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |
Allowance individually evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Allowance collectively evaluated for impairment | 4,398.5 |  |  |  | 3,876.7 |  | 3,630.6 |  |
Loans: |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Loans collectively evaluated for impairment | 6,086.6 |  |  |  | 5,150.7 |  | 5,559.4 |  |
Specific allowance for credit losses | Retail Loans | Housing loans |  |  |  |  |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Line Items] |  |  |  |  |  |  |  |  |
Allowance for credit losses, beginning of the period | 410.4 |  |  |  | 127.4 |  | 116.7 |  |
Write-offs | (32.9) |  |  |  | (29.0) |  | (9.2) |  |
Net allowance for credit losses | 361.8 | [1] |  |  | 312.0 | [2] | 19.9 | [3] |
Allowance for credit losses, end of the period | 739.3 |  |  |  | 410.4 |  | 127.4 |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |
Allowance individually evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Allowance collectively evaluated for impairment | 739.3 |  |  |  | 410.4 |  | 127.4 |  |
Loans: |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Loans collectively evaluated for impairment | 1,678.2 |  |  |  | 1,068.6 |  | 242.7 |  |
Specific allowance for credit losses | Retail Loans | Other Retail |  |  |  |  |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Line Items] |  |  |  |  |  |  |  |  |
Allowance for credit losses, beginning of the period | 3,950.4 |  |  |  | 2,901.6 |  | 2,082.0 |  |
Write-offs | (2,793.5) |  |  |  | (1,818.4) |  | (1,328.8) |  |
Net allowance for credit losses | 5,610.6 | [1] |  |  | 2,867.2 | [2] | 2,148.4 | [3] |
Allowance for credit losses, end of the period | 6,767.5 |  |  |  | 3,950.4 |  | 2,901.6 |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |
Allowance individually evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Allowance collectively evaluated for impairment | 6,767.5 |  |  |  | 3,950.4 |  | 2,901.6 |  |
Loans: |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Loans collectively evaluated for impairment | 11,306.1 |  |  |  | 6,781.6 |  | 4,653.5 |  |
Specific allowance for credit losses | Wholesale loans |  |  |  |  |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Line Items] |  |  |  |  |  |  |  |  |
Allowance for credit losses, beginning of the period | 7,413.4 |  |  |  | 8,083.8 |  | 7,316.1 |  |
Write-offs | (2,261.7) |  |  |  | (2,742.0) |  | (3,480.4) |  |
Net allowance for credit losses | 6,561.8 | [1] |  |  | 2,071.6 | [2] | 4,248.1 | [3] |
Allowance for credit losses, end of the period | 11,713.5 |  |  |  | 7,413.4 |  | 8,083.8 |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |
Allowance individually evaluated for impairment | 11,713.5 |  |  |  | 7,413.4 |  | 8,083.8 |  |
Allowance collectively evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Loans: |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment | 30,275.7 |  |  |  | 15,559.7 |  | 13,489.6 |  |
Loans collectively evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Unallocated allowance for credit losses | Retail Loans |  |  |  |  |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Line Items] |  |  |  |  |  |  |  |  |
Allowance for credit losses, beginning of the period | 22,548.6 |  |  |  | 19,376.7 |  | 19,225.5 |  |
Net allowance for credit losses | 5,562.0 | [1] |  |  | 3,171.9 | [2] | 151.2 | [3] |
Allowance for credit losses, end of the period | 28,110.6 |  |  |  | 22,548.6 |  | 19,376.7 |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |
Allowance individually evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Allowance collectively evaluated for impairment | 28,110.6 |  |  |  | 22,548.6 |  | 19,376.7 |  |
Loans: |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Loans collectively evaluated for impairment | 3,996,257.3 |  |  |  | 3,421,142.7 |  | 2,695,153.3 |  |
Unallocated allowance for credit losses | Wholesale loans |  |  |  |  |  |  |  |  |
Financing Receivable, Allowance for Credit Losses [Line Items] |  |  |  |  |  |  |  |  |
Allowance for credit losses, beginning of the period | 3,803.4 |  |  |  | 3,248.4 |  | 2,738.5 |  |
Net allowance for credit losses | 852.8 | [1] |  |  | 555.0 | [2] | 509.9 | [3] |
Allowance for credit losses, end of the period | 4,656.2 |  |  |  | 3,803.4 |  | 3,248.4 |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |
Allowance individually evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Allowance collectively evaluated for impairment | 4,656.2 |  |  |  | 3,803.4 |  | 3,248.4 |  |
Loans: |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Loans collectively evaluated for impairment | ₨ 1,909,672.7 |  |  |  | ₨ 1,518,709.0 |  | ₨ 1,208,971.0 |  |
[1] | Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 9,748.6 million (US$ 150.2)
[2] | Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 8,713.3 million.
[3] | Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 7,524.7 million.

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- Definition Amount of valuation allowance for financing receivables that are expected to be uncollectible that were individually evaluated for impairment. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (g) -URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953423-111524 + Details
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