Sales/transfer of receivables (Tables)

12 Months Ended

Mar. 31, 2017

Cash Flows Received From Customers And Paid To Securitization Special Purpose Entities Transferees

The following table summarizes the cash flows received during the years ended March 31, 2015, March 31, 2016 and March 31, 2017 from customers and paid to SPEs/transferees on securitized/ transferred performing loans:


	Fiscal years ended March 31,
	2015		2016		2017		2017
	(In millions)
Cash flow information
Collections against securitized receivables/transfers	Rs.	903.6	Rs.	664.3	Rs.	471.1	US$	7.3
Payments made		832.5		608.7		444.7		6.9
Cash flows on retained interests	Rs.	69.3	Rs.	55.7	Rs.	26.6	US$	0.4

Key Disclosures of Transferred Financial Assets with Continuing Involvement

Other key disclosures are as follows:


	As of March 31,
	2016		2017		2017
	(In millions)
Transferred receivables with continuing involvement	Rs.	1,159.9	Rs.	793.8	US$	12.2
Delinquencies		219.6		205.7		3.2
Credit losses		191.2		183.0		2.8
Retained interest in sold receivables		50.0		32.7		0.5

Schedule of Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets, or Servicing Liabilities

The table below outlines the economic assumptions and the sensitivity of the estimated fair value of retained interests in finance receivables as of March 31, 2016 and March 31, 2017 to immediate 10% and 20% changes in those assumptions:


	As of March 31,
	2016		2017		2017
	(In millions)
Fair value of retained interests
Annual prepayment rate:
Impact of 10% adverse change	Rs.	4.5	Rs.	3.4	US$	0.1
Impact of 20% adverse change		8.3		6.4		0.1
Expected credit losses:
Impact of 10% adverse change		3.8		4.1		0.1
Impact of 20% adverse change		7.6		8.1		0.1