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CONSOLIDATED STATEMENTS OF CASH FLOWS
₨ in Millions, $ in Millions
 12 Months Ended
Mar. 31, 2018
INR (₨)
Mar. 31, 2018
USD ($)
Mar. 31, 2017
INR (₨)
Mar. 31, 2016
INR (₨)
Cash flows from operating activities:        
Net income before noncontrolling interest ₨ 178,833.9 $ 2,746.6 ₨ 140,740.6 ₨ 118,049.9
Adjustment to reconcile net income to net cash provided by operating activities        
Provision for credit losses 59,397.8 912.3 37,951.4 21,531.3
Depreciation and amortization 9,678.9 148.7 8,876.9 7,427.5
Amortization of intangible assets 1.0 0.0 3.0 7.0
Amortization of deferred customer acquisition costs 9,246.2 142.0 7,913.8 7,061.7
Amortization of premium (discount) on investments 3,599.4 55.3 2,609.8 913.2
Other than temporary impairment losses on available for sale securities 149.1 2.3 13.4 54.9
Deferred tax benefit (10,403.5) (159.8) (5,048.6) (1,410.4)
Share-based compensation expense 6,594.6 101.3 8,203.2 12,593.8
Net realized (gain) loss on sale of available for sale securities (10,853.2) (166.7) (9,606.2) (5,646.0)
(Gain) loss on disposal of property and equipment, net (64.5) (1.0) 14.8 2.6
Exchange (gain) loss 1,719.5 26.4 407.9 556.1
Net change in:        
Investments held for trading (131,816.3) (2,024.5) 35,241.8 (9,310.4)
Accrued interest receivable (10,527.8) (161.7) (9,083.4) (12,408.3)
Other assets 90,525.6 1,390.3 (65,542.3) (21,624.4)
Accrued interest payable 20,997.1 322.5 3,286.3 8,123.7
Accrued expense and other liabilities (122,803.6) (1,886.1) 223,289.8 44,151.0
Net cash provided by operating activities 94,274.2 1,447.9 379,272.2 170,073.2
Cash flows from investing activities:        
Net change in term placements (8,806.4) (135.3) 17,830.3 21,089.7
Activity in available for sale securities:        
Purchases (1,518,100.1) (23,315.9) (2,890,096.8) (3,078,054.2)
Proceeds from sales 197,211.0 3,028.9 412,536.2 1,129,146.1
Maturities, prepayments and calls 1,171,299.5 17,989.5 2,274,701.2 1,581,067.8
Net change in repurchase options and reverse repurchase agreements (462,018.6) (7,096.0) (355,040.1) 256,632.7
Loans purchased (55,216.0) (848.0) (128,490.2) (124,630.2)
Repayments on loans purchased 76,993.2 1,182.5 59,803.7 47,174.7
Increase in loans originated, net of principal collections (1,440,601.9) (22,125.7) (956,914.2) (967,395.6)
Additions to property and equipment (9,181.5) (141.0) (12,628.5) (9,983.4)
Proceeds from sale or disposal of property and equipment 95.1 1.5 94.3 111.5
Net cash used in investing activities (2,048,325.7) (31,459.5) (1,578,204.1) (1,144,840.9)
Cash flows from financing activities:        
Net increase in deposits 1,447,097.0 22,225.4 979,662.7 930,935.7
Net increase (decrease) in short-term borrowings 456,558.6 7,012.1 68,703.2 39,370.5
Purchase of subsidiary shares from noncontrolling interest (143.3) (2.2)    
Proceeds from issue of shares by a subsidiary to noncontrolling interests 366.5 5.6 301.9 33.9
Proceeds from issuance of long-term debt 425,517.1 6,535.4 335,048.9 129,121.4
Repayment of long-term debt (225,150.2) (3,458.0) (123,074.3) (79,391.6)
Proceeds from issuance of equity shares for options exercised 27,259.1 418.7 22,615.1 12,229.0
Proceeds from issuance of equity shares 0.0 0.0 0.0 0.0
Payment of dividends and dividend tax (34,490.3) (529.7) (29,280.9) (24,367.9)
Net cash provided by financing activities 2,097,014.5 32,207.3 1,253,976.6 1,007,931.0
Effect of exchange rate changes on cash and cash equivalents 479.4 7.4 (2,007.8) 3,384.1
Net change in cash and cash equivalents 143,442.4 2,203.1 53,036.9 36,547.4
Cash and cash equivalents, beginning of year 430,708.6 6,615.1 377,671.7 341,124.3
Cash and cash equivalents, end of year 574,151.0 8,818.2 430,708.6 377,671.7
Supplementary cash flow information:        
Interest paid 399,287.9 6,132.5 370,455.4 324,572.3
Income taxes paid 100,089.3 1,537.2 76,849.6 70,678.5
Non-cash investment activities        
Payable for purchase of property and equipment ₨ 1,064.5 $ 16.3 ₨ 537.8 ₨ 890.6