XML 103 R92.htm IDEA: XBRL DOCUMENT v3.7.0.1
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.