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CONSOLIDATED STATEMENTS OF CASH FLOWS
₨ in Millions, $ in Millions
 12 Months Ended
Mar. 31, 2017
INR (₨)
Mar. 31, 2017
USD ($)
Mar. 31, 2016
INR (₨)
Mar. 31, 2015
INR (₨)
Cash flows from operating activities:        
Net income before noncontrolling interest ₨ 140,740.6 $ 2,170.3 ₨ 118,049.9 ₨ 99,504.7
Adjustment to reconcile net income to net cash provided by operating activities        
Provision for credit losses 37,951.4 585.2 21,531.3 17,000.2
Depreciation and amortization 8,876.9 136.9 7,427.5 6,905.8
Amortization of intangible assets 3.0 0.0 7.0 219.0
Amortization of deferred customer acquisition costs 7,913.8 122.0 7,061.7 5,232.0
Amortization of premium (discount) on investments 2,609.8 40.2 913.2 (331.3)
Other than temporary impairment losses on available for sale securities 13.4 0.2 54.9 1.8
Provision for deferred income taxes (5,048.6) (77.9) (1,410.4) (352.1)
Share-based compensation expense 8,203.2 126.5 12,593.8 9,138.8
Net realized (gain) loss on sale of available for sale securities (9,606.2) (148.1) (5,646.0) (5,167.9)
(Gain) loss on disposal of property and equipment, net 14.8 0.2 2.6 (111.5)
Exchange (gain) loss 407.9 6.3 556.1 (3,453.5)
Net change in:        
Investments held for trading 35,241.8 543.4 (9,310.4) 3,785.1
Accrued interest receivable (9,083.4) (140.1) (12,408.3) (5,211.1)
Other assets (65,542.3) (1,010.7) (21,624.4) 73,205.1
Accrued interest payable 3,286.3 50.7 8,123.7 4,762.5
Accrued expense and other liabilities 223,289.8 3,443.2 44,151.0 (95,770.5)
Net cash provided by operating activities 379,272.2 5,848.3 170,073.2 109,357.1
Cash flows from investing activities:        
Net change in term placements 17,830.3 274.9 21,089.7 6,492.2
Activity in available for sale securities:        
Purchases (2,890,096.8) (44,566.0) (3,078,054.2) (1,383,086.4)
Proceeds from sales 412,536.2 6,361.4 1,129,146.1 139,646.9
Maturities, prepayments and calls 2,274,701.2 35,076.3 1,581,067.8 687,313.0
Net change in repurchase options and reverse repurchase agreements (355,040.1) (5,474.8) 256,632.7 105,730.0
Loans purchased (128,490.2) (1,981.3) (124,630.2) (82,492.1)
Repayments on loans purchased 59,803.7 922.2 47,174.7 35,489.4
Increase in loans originated, net of principal collections (956,914.2) (14,755.7) (967,395.6) (672,149.0)
Additions to property and equipment (12,628.5) (194.7) (9,983.4) (8,913.7)
Proceeds from sale or disposal of property and equipment 94.3 1.5 111.5 329.2
Net cash used in investing activities (1,578,204.1) (24,336.2) (1,144,840.9) (1,171,640.5)
Cash flows from financing activities:        
Net increase in deposits 979,662.7 15,106.7 930,935.7 824,928.2
Net increase (decrease) in short-term borrowings 68,703.2 1,059.4 39,370.5 61,577.6
Purchase of subsidiary shares from noncontrolling interest 0.0 0.0 0.0 (715.7)
Proceeds from issue of shares by a subsidiary to noncontrolling interests 301.9 4.7 33.9 340.8
Proceeds from issuance of long-term debt 335,048.9 5,166.5 129,121.4 104,257.6
Repayment of long-term debt (123,074.3) (1,897.8) (79,391.6) (49,324.0)
Proceeds from issuance of equity shares for options exercised 22,615.1 348.7 12,229.0 9,954.1
Proceeds from issuance of equity shares 0.0 0.0 0.0 97,227.9
Payment of dividends and dividend tax (29,280.9) (451.5) (24,367.9) (19,300.5)
Net cash provided by financing activities 1,253,976.6 19,336.7 1,007,931.0 1,028,946.0
Effect of exchange rate changes on cash and cash equivalents (2,007.8) (31.0) 3,384.1 3,626.5
Net change in cash and cash equivalents 53,036.9 817.8 36,547.4 (29,710.9)
Cash and cash equivalents, beginning of year 377,671.7 5,823.8 341,124.3 370,835.2
Cash and cash equivalents, end of year 430,708.6 6,641.6 377,671.7 341,124.3
Supplementary cash flow information:        
Interest paid 370,455.4 5,712.5 324,572.3 259,656.1
Income taxes paid 76,849.6 1,185.0 70,678.5 56,480.4
Non-cash investment activities        
Payable for purchase of property and equipment ₨ 537.8 $ 8.3 ₨ 890.6 ₨ 1,010.2