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Loans (Tables) | 12 Months Ended
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Mar. 31, 2019
Loans by Facility | Loans by facility as of March 31, 2018 and March 31, 2019 were as follows:
|  | As of March 31, |
|  | 2018 |  |  | 2019 |  |  | 2019 |
|  | (In millions) |
Retail loans: |  |  |  |  |  |  |  |  |  |  |  |
Auto loans |  | Rs. | 885,234.7 |  |  | Rs. | 951,744.2 |  |  | US$ | 13,761.5 |
Personal loans/Credit cards |  |  | 1,187,127.1 |  |  |  | 1,538,107.4 |  |  |  | 22,239.8 |
Retail business banking |  |  | 1,305,219.8 |  |  |  | 1,478,317.8 |  |  |  | 21,375.3 |
Commercial vehicle and construction equipment finance |  |  | 595,813.6 |  |  |  | 746,288.0 |  |  |  | 10,790.7 |
Housing loans |  |  | 362,718.1 |  |  |  | 513,771.6 |  |  |  | 7,428.7 |
Other retail loans |  |  | 877,251.3 |  |  |  | 1,009,674.6 |  |  |  | 14,599.1 |
Subtotal |  | Rs. | 5,213,364.6 |  |  | Rs. | 6,237,903.6 |  |  | US$ | 90,195.1 |
Wholesale loans |  | Rs. | 2,162,814.4 |  |  | Rs. | 2,873,561.0 |  |  | US$ | 41,549.6 |
Gross loans |  |  | 7,376,179.0 |  |  |  | 9,111,464.6 |  |  |  | 131,744.7 |
Less: Allowance for credit losses |  |  | 112,507.2 |  |  |  | 148,232.0 |  |  |  | 2,143.4 |
Total |  | Rs. | 7,263,671.8 |  |  | Rs. | 8,963,232.6 |  |  | US$ | 129,601.3 |
Financing Receivable, by Maturity | The maturity of gross loans as of March 31, 2019 is set out below:
|  | As of March 31, 2019 |
|  | Wholesale loans |  |  | Retail loans |  |  | Total |
|  | (In millions) |
Maturity profile of loans: |  |  |  |  |  |  |  |  |  |  |  |
Within one year |  | Rs. | 1,537,701.3 |  |  | Rs. | 1,911,646.9 |  |  | Rs. | 3,449,348.2 |
Over one year through five years |  |  | 899,447.4 |  |  |  | 3,912,771.8 |  |  |  | 4,812,219.2 |
Over five years |  |  | 436,412.3 |  |  |  | 413,484.9 |  |  |  | 849,897.2 |
Total gross loans |  | Rs. | 2,873,561.0 |  |  | Rs. | 6,237,903.6 |  |  | Rs. | 9,111,464.6 |
Total gross loans |  | US$ | 41,549.6 |  |  | US$ | 90,195.1 |  |  | US$ | 131,744.7 |
Financing Receivable Credit Quality Indicators | Gross loans analyzed by performance are as follows:
|  | As of March 31, |
|  | 2018 |  |  | 2019 |  |  | 2019 |
|  | (In millions) |
Performing |  | Rs. | 7,267,461.7 |  |  | Rs. | 8,971,042.1 |  |  | US$ | 129,714.3 |
Impaired |  |  | 108,717.3 |  |  |  | 140,422.5 |  |  |  | 2,030.4 |
Total gross loans |  | Rs. | 7,376,179.0 |  |  | Rs. | 9,111,464.6 |  |  | US$ | 131,744.7 |
Past Due Financing Receivables | The following table provides details of age analysis of loans as of March 31, 2018 and March 31, 2019.
|  | As of March 31, 2018 |
|  | 31-90 days past due |  |  | Impaired / 91 days or more past due |  |  | Current 1,2 |  |  | Total |
|  | (In millions) |
Retail Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Auto loans |  | Rs. | 4,384.5 |  |  | Rs. | 8,634.5 |  |  | Rs. | 872,215.7 |  |  | Rs. | 885,234.7 |
Personal loans/Credit card |  |  | 8,179.1 |  |  |  | 10,150.9 |  |  |  | 1,168,797.1 |  |  |  | 1,187,127.1 |
Retail business banking |  |  | 10,522.0 |  |  |  | 25,547.2 |  |  |  | 1,269,150.6 |  |  |  | 1,305,219.8 |
Commercial vehicle and construction equipment finance |  |  | 7,324.9 |  |  |  | 6,968.1 |  |  |  | 581,520.6 |  |  |  | 595,813.6 |
Housing loans |  |  | 25.9 |  |  |  | 1,899.5 |  |  |  | 360,792.7 |  |  |  | 362,718.1 |
Other retail |  |  | 8,716.0 |  |  |  | 22,704.3 |  |  |  | 845,831.0 |  |  |  | 877,251.3 |
Wholesale loans |  |  | 308.6 |  |  |  | 32,812.8 |  |  |  | 2,129,693.0 |  |  |  | 2,162,814.4 |
Total |  | Rs. | 39,461.0 |  |  | Rs. | 108,717.3 |  |  | Rs. | 7,228,000.7 |  |  | Rs. | 7,376,179.0 |
1) | Loans up to 30 days past due are considered current
2) | Includes crop related agricultural loans with days past due less than 366 as they are not considered as impaired Rs. 31.5 billion.
|  | As of March 31, 2019 |
|  | 31-90 days past due |  |  | Impaired / 91 days or more past due |  |  | Current 1,2 |  |  | Total |
|  | (In millions) |
Retail Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Auto loans |  | Rs. | 4,807.0 |  |  | Rs. | 13,606.7 |  |  | Rs. | 933,330.5 |  |  | Rs. | 951,744.2 |
Personal loans/Credit card |  |  | 11,520.2 |  |  |  | 15,781.5 |  |  |  | 1,510,805.7 |  |  |  | 1,538,107.4 |
Retail business banking |  |  | 9,087.9 |  |  |  | 29,945.0 |  |  |  | 1,439,284.9 |  |  |  | 1,478,317.8 |
Commercial vehicle and construction equipment finance |  |  | 9,225.0 |  |  |  | 11,254.9 |  |  |  | 725,808.1 |  |  |  | 746,288.0 |
Housing loans |  |  | 23.6 |  |  |  | 2,157.1 |  |  |  | 511,590.9 |  |  |  | 513,771.6 |
Other retail |  |  | 9,480.1 |  |  |  | 29,523.6 |  |  |  | 970,670.9 |  |  |  | 1,009,674.6 |
Wholesale loans |  |  | 202.9 |  |  |  | 38,153.7 |  |  |  | 2,835,204.4 |  |  |  | 2,873,561.0 |
Total |  | Rs. | 44,346.7 |  |  | Rs. | 140,422.5 |  |  | Rs. | 8,926,695.4 |  |  | Rs. | 9,111,464.6 |
Total |  | US$ | 641.2 |  |  | US$ | 2,030.4 |  |  | US$ | 129,073.1 |  |  | US$ | 131,744.7 |
1) | Loans up to 30 days past due are considered current
2) | Includes crop related agricultural loans with days past due less than 366 as they are not considered as impaired Rs. 34.0 billion.
Impaired Financing Receivables | The following table provides details of impaired loans as of March 31, 2018 and March 31, 2019.
|  | As of March 31, 2018 |
|  | Recorded investments |  |  | Unpaid principal balance |  |  | Related specific allowance |  |  | Average recorded investments |  |  | Finance receivable on non-accrual status |
|  | (In millions) |
Retail Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Auto loans |  | Rs. | 8,634.5 |  |  | Rs. | 8,634.5 |  |  | Rs. | 3,682.2 |  |  | Rs. | 7,370.1 |  |  | Rs. | 8,634.5 |
Personal loans/Credit card |  |  | 10,150.9 |  |  |  | 10,150.9 |  |  |  | 6,182.6 |  |  |  | 8,309.2 |  |  |  | 10,150.9 |
Retail business banking |  |  | 25,547.2 |  |  |  | 25,547.2 |  |  |  | 18,709.4 |  |  |  | 23,303.7 |  |  |  | 25,547.2 |
Commercial vehicle and construction equipment finance |  |  | 6,968.1 |  |  |  | 6,968.1 |  |  |  | 4,806.1 |  |  |  | 6,527.4 |  |  |  | 6,968.1 |
Housing loans |  |  | 1,899.5 |  |  |  | 1,899.5 |  |  |  | 974.4 |  |  |  | 1,788.9 |  |  |  | 1,899.5 |
Other retail |  |  | 22,704.3 |  |  |  | 22,704.3 |  |  |  | 12,922.8 |  |  |  | 17,005.2 |  |  |  | 22,704.3 |
Wholesale loans |  |  | 32,812.8 |  |  |  | 32,812.8 |  |  |  | 15,323.0 |  |  |  | 31,544.3 |  |  |  | 32,812.8 |
Total |  | Rs. | 108,717.3 |  |  | Rs. | 108,717.3 |  |  | Rs. | 62,600.5 |  |  | Rs. | 95,848.8 |  |  | Rs. | 108,717.3 |
|  | As of March 31, 2019 |
|  | Recorded investments |  |  | Unpaid principal balance |  |  | Related specific allowance |  |  | Average recorded investments |  |  | Finance receivable on non-accrual status |
|  | (In millions) |
Retail Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Auto loans |  | Rs. | 13,606.7 |  |  | Rs. | 13,606.7 |  |  | Rs. | 6,169.0 |  |  | Rs. | 11,120.6 |  |  | Rs. | 13,606.7 |
Personal loans/Credit card |  |  | 15,781.5 |  |  |  | 15,781.5 |  |  |  | 9,694.0 |  |  |  | 12,966.2 |  |  |  | 15,781.5 |
Retail business banking |  |  | 29,945.0 |  |  |  | 29,945.0 |  |  |  | 21,595.3 |  |  |  | 27,746.1 |  |  |  | 29,945.0 |
Commercial vehicle and construction equipment finance |  |  | 11,254.9 |  |  |  | 11,254.9 |  |  |  | 6,544.8 |  |  |  | 9,111.5 |  |  |  | 11,254.9 |
Housing loans |  |  | 2,157.1 |  |  |  | 2,157.1 |  |  |  | 1,105.2 |  |  |  | 2,028.3 |  |  |  | 2,157.1 |
Other retail |  |  | 29,523.6 |  |  |  | 29,523.6 |  |  |  | 20,441.5 |  |  |  | 26,114.0 |  |  |  | 29,523.6 |
Wholesale loans |  |  | 38,153.7 |  |  |  | 38,153.7 |  |  |  | 20,233.2 |  |  |  | 35,483.3 |  |  |  | 38,153.7 |
Total |  | Rs. | 140,422.5 |  |  | Rs. | 140,422.5 |  |  | Rs. | 85,783.0 |  |  | Rs. | 124,570.0 |  |  | Rs. | 140,422.5 |
Total |  | US$ | 2,030.4 |  |  | US$ | 2,030.4 |  |  | US$ | 1,240.4 |  |  | US$ | 1,801.2 |  |  | US$ | 2,030.4 |
Allowance for Credit Losses on Financing Receivables | Allowances for credit losses as of March 31, 2017 are as follows:
|  | As of March 31, 2017 |
|  | Specific |  |  | Unallocated |  |  |  |
|  | Retail |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Auto loans |  |  | Personal Loans/ Credit card |  |  | Retail business banking |  |  | Commercial vehicle and Construction equipment finance |  |  | Housing loans |  |  | Other retail |  |  | Wholesale |  |  | Retail |  |  | Wholesale |  |  | Total |
|  | (In millions) |
Allowance for credit losses, beginning of the period |  | Rs. | 2,101.1 |  |  | Rs. | 2,638.6 |  |  | Rs. | 10,617.5 |  |  | Rs. | 3,876.7 |  |  | Rs. | 410.4 |  |  | Rs. | 3,950.4 |  |  | Rs. | 7,413.4 |  |  | Rs. | 22,548.6 |  |  | Rs. | 3,803.4 |  |  | Rs. | 57,360.1 |
Write-offs |  |  | (5,155.0 | ) |  |  | (11,639.3 | ) |  |  | (1,453.4 | ) |  |  | (3,227.4 | ) |  |  | (32.9 | ) |  |  | (2,793.5 | ) |  |  | (2,261.7 | ) |  |  | 0.0 |  |  |  | 0.0 |  |  |  | (26,563.2 | )
Net allowance for credit losses* |  |  | 5,846.8 |  |  |  | 13,040.7 |  |  |  | 6,114.3 |  |  |  | 3,749.2 |  |  |  | 361.8 |  |  |  | 5,610.6 |  |  |  | 6,561.8 |  |  |  | 5,562.0 |  |  |  | 852.8 |  |  |  | 47,700.0 |
Allowance for credit losses, end of the period |  | Rs. | 2,792.9 |  |  | Rs. | 4,040.0 |  |  | Rs. | 15,278.4 |  |  | Rs. | 4,398.5 |  |  | Rs. | 739.3 |  |  | Rs. | 6,767.5 |  |  | Rs. | 11,713.5 |  |  | Rs. | 28,110.6 |  |  | Rs. | 4,656.2 |  |  | Rs. | 78,496.9 |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance individually evaluated for impairment |  | Rs. | 0.0 |  |  | Rs. | 0.0 |  |  | Rs. | 0.0 |  |  | Rs. | 0.0 |  |  | Rs. | 0.0 |  |  | Rs. | 0.0 |  |  | Rs. | 11,713.5 |  |  | Rs. | 0.0 |  |  | Rs. | 0.0 |  |  | Rs. | 11,713.5 |
Allowance collectively evaluated for impairment |  |  | 2,792.9 |  |  |  | 4,040.0 |  |  |  | 15,278.4 |  |  |  | 4,398.5 |  |  |  | 739.3 |  |  |  | 6,767.5 |  |  |  | 0.0 |  |  |  | 28,110.6 |  |  |  | 4,656.2 |  |  |  | 66,783.4 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 30,275.7 |  |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 30,275.7 |
Loans collectively evaluated for impairment |  |  | 6,105.6 |  |  |  | 6,467.4 |  |  |  | 21,060.1 |  |  |  | 6,086.6 |  |  |  | 1,678.2 |  |  |  | 11,306.1 |  |  |  | 0.0 |  |  |  | 3,996,257.3 |  |  |  | 1,909,672.7 |  |  |  | 5,958,634.0 |
* | Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 9,748.6 million. Recoveries from Retail loans is Rs. 8,943.7 million and from Wholesale loans is Rs. 804.9 million.
Allowance for credit losses as of March 31, 2018 are as follows:
|  | As of March 31, 2018 |
|  | Specific |  |  | Unallocated |  |  |  |
|  | Retail |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Auto loans |  |  | Personal Loans/ Credit card |  |  | Retail business banking |  |  | Commercial vehicle and Construction equipment finance |  |  | Housing loans |  |  | Other retail |  |  | Wholesale |  |  | Retail |  |  | Wholesale |  |  | Total |
|  | (In millions) |
Allowance for credit losses, beginning of the period |  | Rs. | 2,792.9 |  |  | Rs. | 4,040.0 |  |  | Rs. | 15,278.4 |  |  | Rs. | 4,398.5 |  |  | Rs. | 739.3 |  |  | Rs. | 6,767.5 |  |  | Rs. | 11,713.5 |  |  | Rs. | 28,110.6 |  |  | Rs. | 4,656.2 |  |  | Rs. | 78,496.9 |
Write-offs |  |  | (6,826.4 | ) |  |  | (16,714.3 | ) |  |  | (5,730.0 | ) |  |  | (3,644.0 | ) |  |  | (61.5 | ) |  |  | (4,557.4 | ) |  |  | (444.7 | ) |  |  | 0.0 |  |  |  | 0.0 |  |  |  | (37,978.3 | )
Net allowance for credit losses* |  |  | 7,715.7 |  |  |  | 18,856.9 |  |  |  | 9,161.0 |  |  |  | 4,051.6 |  |  |  | 296.6 |  |  |  | 10,712.7 |  |  |  | 4,054.2 |  |  |  | 14,036.8 |  |  |  | 3,103.1 |  |  |  | 71,988.6 |
Allowance for credit losses, end of the period |  | Rs. | 3,682.2 |  |  | Rs. | 6,182.6 |  |  | Rs. | 18,709.4 |  |  | Rs. | 4,806.1 |  |  | Rs. | 974.4 |  |  | Rs. | 12,922.8 |  |  | Rs. | 15,323.0 |  |  | Rs. | 42,147.4 |  |  | Rs. | 7,759.3 |  |  | Rs. | 112,507.2 |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance individually evaluated for impairment |  | Rs. | 0.0 |  |  | Rs. | 0.0 |  |  | Rs. | 0.0 |  |  | Rs. | 0.0 |  |  | Rs. | 0.0 |  |  | Rs. | 0.0 |  |  | Rs. | 15,323.0 |  |  | Rs. | 0.0 |  |  | Rs. | 0.0 |  |  | Rs. | 15,323.0 |
Allowance collectively evaluated for impairment |  |  | 3,682.2 |  |  |  | 6,182.6 |  |  |  | 18,709.4 |  |  |  | 4,806.1 |  |  |  | 974.4 |  |  |  | 12,922.8 |  |  |  | 0.0 |  |  |  | 42,147.4 |  |  |  | 7,759.3 |  |  |  | 97,184.2 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 32,812.8 |  |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 32,812.8 |
Loans collectively evaluated for impairment |  |  | 8,634.5 |  |  |  | 10,150.9 |  |  |  | 25,547.2 |  |  |  | 6,968.1 |  |  |  | 1,899.5 |  |  |  | 22,704.3 |  |  |  | 0.0 |  |  |  | 5,137,460.1 |  |  |  | 2,130,001.6 |  |  |  | 7,343,366.2 |
* | Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 12,590.8 million. Recoveries from Retail loans is Rs. 12,254.3 million and from Wholesale loans is Rs. 336.5 million.
Allowances for credit losses as of March 31, 2019 are as follows:
|  | As of March 31, 2019 |
|  | Specific |  |  | Unallocated |  |  |  |  |  |  |
|  | Retail |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Auto loans |  |  | Personal Loans/ Credit card |  |  | Retail business banking |  |  | Commercial vehicle and Construction equipment finance |  |  | Housing loans |  |  | Other retail |  |  | Wholesale |  |  | Retail |  |  | Wholesale |  |  | Total |  |  | Total |
|  | (In millions) |
Allowance for credit losses, beginning of the period |  | Rs. | 3,682.2 |  |  | Rs. | 6,182.6 |  |  | Rs. | 18,709.4 |  |  | Rs. | 4,806.1 |  |  | Rs. | 974.4 |  |  | Rs. | 12,922.8 |  |  | Rs. | 15,323.0 |  |  | Rs. | 42,147.4 |  |  | Rs. | 7,759.3 |  |  | Rs. | 112,507.2 |  |  | US$ | 1,626.8 |
Write-offs |  |  | (9,155.3 | ) |  |  | (25,197.0 | ) |  |  | (6,665.5 | ) |  |  | (4,812.8 | ) |  |  | (93.3 | ) |  |  | (5,652.0 | ) |  |  | (1,755.7 | ) |  |  | 0.0 |  |  |  | 0.0 |  |  |  | (53,331.6 | ) |  |  | (771.1 | )
Net allowance for credit losses* |  |  | 11,642.1 |  |  |  | 28,708.4 |  |  |  | 9,551.4 |  |  |  | 6,551.5 |  |  |  | 224.1 |  |  |  | 13,170.7 |  |  |  | 6,665.9 |  |  |  | 10,793.7 |  |  |  | 1,748.6 |  |  |  | 89,056.4 |  |  |  | 1,287.7 |
Allowance for credit losses, end of the period |  | Rs. | 6,169.0 |  |  | Rs. | 9,694.0 |  |  | Rs. | 21,595.3 |  |  | Rs. | 6,544.8 |  |  | Rs. | 1,105.2 |  |  | Rs. | 20,441.5 |  |  | Rs. | 20,233.2 |  |  | Rs. | 52,941.1 |  |  | Rs. | 9,507.9 |  |  | Rs. | 148,232.0 |  |  | US$ | 2,143.4 |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance individually evaluated for impairment |  | Rs. | 0.0 |  |  | Rs. | 0.0 |  |  | Rs. | 0.0 |  |  | Rs. | 0.0 |  |  | Rs. | 0.0 |  |  | Rs. | 0.0 |  |  | Rs. | 20,233.2 |  |  | Rs. | 0.0 |  |  | Rs. | 0.0 |  |  | Rs. | 20,233.2 |  |  | US$ | 292.6 |
Allowance collectively evaluated for impairment |  |  | 6,169.0 |  |  |  | 9,694.0 |  |  |  | 21,595.3 |  |  |  | 6,544.8 |  |  |  | 1,105.2 |  |  |  | 20,441.5 |  |  |  | 0.0 |  |  |  | 52,941.1 |  |  |  | 9,507.9 |  |  |  | 127,998.8 |  |  |  | 1,850.8 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 38,153.7 |  |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 38,153.7 |  |  |  | 551.7 |
Loans collectively evaluated for impairment |  |  | 13,606.7 |  |  |  | 15,781.5 |  |  |  | 29,945.0 |  |  |  | 11,254.9 |  |  |  | 2,157.1 |  |  |  | 29,523.6 |  |  |  | 0.0 |  |  |  | 6,135,634.8 |  |  |  | 2,835,407.3 |  |  |  | 9,073,310.9 |  |  |  | 131,193.0 |
* | Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 16,777.1 million (US$ 242.6 million). Recoveries from Retail loans is Rs. 16,590.9 million and from wholesale loans is Rs. 186.2 million.
Troubled Debt Restructurings Modifications | The following table summarizes the Bank’s TDR modifications during the fiscal year ended March 31, 2018 and March 31, 2019 presented by primary modification type and includes the financial effects of these modifications.
|  | Fiscal year ended March 31, 2018 |
|  | Carrying value |  |  | TDRs involving changes in the amount of principal payments (1) |  |  | TDRs involving changes in the amount of interest payments (2) |  |  | TDRs involving changes in the amount of both principal and interest payments |  |  | Balance of principal forgiven |  |  | Net P&L impact (3) |
|  | (In millions) |
Retail Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail business banking |  | Rs. | 0.0 |  |  | Rs. | 0.0 |  |  | Rs. | 0.0 |  |  | Rs. | 0.0 |  |  | Rs. | 0.0 |  |  | Rs. | 0.0 |
Commercial vehicle and construction equipment finance |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 0.0 |
Wholesale loans |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 0.0 |
Total (4) |  | Rs. | 0.0 |  |  | Rs. | 0.0 |  |  | Rs. | 0.0 |  |  | Rs. | 0.0 |  |  | Rs. | 0.0 |  |  | Rs. | 0.0 |
(1) | TDRs involving changes in the amount of principal payment may include principal forgiveness or deferral of periodic and/or final principal payments.
(2) | TDRs involving changes in the amount of interest payments may involve a reduction in interest rate.
(3) | Balances reflect charge-offs and/or allowance for credit losses and/or income not recognized/deferred.
(4) | TDR modification during the year ended March 31, 2018 comprised of nil case.
|  | Fiscal year ended March 31, 2019 |
|  | Carrying value |  |  | TDRs involving changes in the amount of principal payments (1) |  |  | TDRs involving changes in the amount of interest payments (2) |  |  | TDRs involving changes in the amount of both principal and interest payments |  |  | Balance of principal forgiven |  |  | Net P&L impact (3) |
|  | (In millions) |
Retail Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail business banking |  | Rs. | 17.9 |  |  | Rs. | 0.0 |  |  | Rs. | 17.9 |  |  | Rs. | 0.0 |  |  | Rs. | 0.0 |  |  | Rs. | 4.5 |
Commercial vehicle and construction equipment finance |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 0.0 |
Wholesale loans |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 0.0 |  |  |  | 0.0 |
Total (4) |  | Rs. | 17.9 |  |  | Rs. | 0.0 |  |  | Rs. | 17.9 |  |  | Rs. | 0.0 |  |  | Rs. | 0.0 |  |  | Rs. | 4.5 |
Total (4) |  | US$ | 0.3 |  |  | US$ | 0.0 |  |  | US$ | 0.3 |  |  | US$ | 0.0 |  |  | US$ | 0.0 |  |  | US$ | 0.1 |
(1) | TDRs involving changes in the amount of principal payment may include principal forgiveness or deferral of periodic and/or final principal payments.
(2) | TDRs involving changes in the amount of interest payments may involve a reduction in interest rate.
(3) | Balances reflect charge-offs and/or allowance for credit losses and/or income not recognized/deferred.
(4) | TDR modification during the year ended March 31, 2019 comprised of one case.
The table below summarizes TDRs that have defaulted in the current period within 12 months of their modification date. The defaulted TDRs are based on a payment default definition of 90 days past due.
|  | As of March 31, 2019 |
|  | recorded investments |
|  | (In millions) |
Retail loans: |  |  |  |
Retail business banking |  | Rs. | 0.0 |
Commercial vehicle and construction equipment finance |  |  | 0.0 |
Wholesale loans |  |  | 0.0 |
Total |  | Rs. | 0.0 |
Total |  | US$ | 0.0 |
Interest on loans by facility are as follows:
|  | Fiscal year ended March 31, |
|  | 2017 |  |  | 2018 |  |  | 2019 |  |  | 2019 |
|  | (In millions) |
Wholesale loans |  | Rs. | 134,543.1 |  |  | Rs. | 152,124.6 |  |  | Rs. | 199,928.0 |  |  | US$ | 2,890.8 |
Retail loans |  |  | 418,143.7 |  |  |  | 515,334.1 |  |  |  | 627,755.0 |  |  |  | 9,076.9 |
Total |  | Rs. | 552,686.8 |  |  | Rs. | 667,458.7 |  |  | Rs. | 827,683.0 |  |  | US$ | 11,967.7 |
Retail Loans |
Financing Receivable Credit Quality Indicators | Retail Loans Credit quality indicator based on payment activity as of March 31, 2018 and as of March 31, 2019 is given below:
|  | As of March 31, 2018 |
|  | Auto loans |  |  | Personal loans/ Credit card |  |  | Retail business banking |  |  | Commercial vehicle and Construction equipment finance |  |  | Housing loans |  |  | Other retail |  |  | Total |
|  | (In millions) |
Performing |  | Rs. | 876,600.2 |  |  | Rs. | 1,176,976.2 |  |  | Rs. | 1,279,672.6 |  |  | Rs. | 588,845.5 |  |  | Rs. | 360,818.6 |  |  | Rs. | 854,547.0 |  |  | Rs. | 5,137,460.1 |
Impaired |  |  | 8,634.5 |  |  |  | 10,150.9 |  |  |  | 25,547.2 |  |  |  | 6,968.1 |  |  |  | 1,899.5 |  |  |  | 22,704.3 |  |  |  | 75,904.5 |
Total |  | Rs. | 885,234.7 |  |  | Rs. | 1,187,127.1 |  |  | Rs. | 1,305,219.8 |  |  | Rs. | 595,813.6 |  |  | Rs. | 362,718.1 |  |  | Rs. | 877,251.3 |  |  | Rs. | 5,213,364.6 |
|  | As of March 31, 2019 |
|  | Auto loans |  |  | Personal loans/ Credit card |  |  | Retail business banking |  |  | Commercial vehicle and Construction equipment finance |  |  | Housing loans |  |  | Other retail |  |  | Total |
|  | (In millions) |
Performing |  | Rs. | 938,137.5 |  |  | Rs. | 1,522,325.9 |  |  | Rs. | 1,448,372.8 |  |  | Rs. | 735,033.1 |  |  | Rs. | 511,614.5 |  |  | Rs. | 980,151.0 |  |  | Rs. | 6,135,634.8 |
Impaired |  |  | 13,606.7 |  |  |  | 15,781.5 |  |  |  | 29,945.0 |  |  |  | 11,254.9 |  |  |  | 2,157.1 |  |  |  | 29,523.6 |  |  |  | 102,268.8 |
Total |  | Rs. | 951,744.2 |  |  | Rs. | 1,538,107.4 |  |  | Rs. | 1,478,317.8 |  |  | Rs. | 746,288.0 |  |  | Rs. | 513,771.6 |  |  | Rs. | 1,009,674.6 |  |  | Rs. | 6,237,903.6 |
Total |  | US$ | 13,761.5 |  |  | US$ | 22,239.8 |  |  | US$ | 21,375.3 |  |  | US$ | 10,790.7 |  |  | US$ | 7,428.7 |  |  | US$ | 14,599.1 |  |  | US$ | 90,195.1 |
Wholesale loans |
Financing Receivable Credit Quality Indicators | Wholesale Loans The Bank has in place a process of grading each borrower according to its financial health and the performance of its business and each borrower is graded as pass/labeled/impaired. Wholesale loans that are not impaired are disclosed as pass or labeled and considered to be performing. Labeled loans are those with evidence of weakness where such exposures indicate deteriorating trends which if not corrected could adversely impact repayment of the obligations. The Bank’s model assesses the overall risk over four major categories – industry risk, business risk, management risk and financial risk. The inputs in each of the categories are combined to provide an aggregate numerical rating, which is a function of the aggregate weighted scores based on the assessment under each of these four risk categories.
|  | As of March 31, |
|  | 2018 |  |  | 2019 |  |  | 2019 |
|  | (In millions) |
Credit quality indicators-Internally assigned grade and payment activity |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | Rs. | 2,116,499.3 |  |  | Rs. | 2,834,466.7 |  |  | US$ | 40,984.2 |
Labeled |  |  | 13,502.3 |  |  |  | 940.6 |  |  |  | 13.7 |
Impaired |  |  | 32,812.8 |  |  |  | 38,153.7 |  |  |  | 551.7 |
Total |  | Rs. | 2,162,814.4 |  |  | Rs. | 2,873,561.0 |  |  | US$ | 41,549.6 |
Receivable By Industry |
Impaired Financing Receivables | Impaired loans by industry as of March 31, 2018 and March 31, 2019 are as follows:
|  | As of March 31, 2018 |
|  | (In millions) |
Gross impaired loans by industry: |  |  |  |
—Wholesale Trade- Non Industrial |  | Rs. | 15,239.0 |
—Consumer Loans |  |  | 15,236.4 |
—Agriculture Production—Food |  |  | 12,227.0 |
—Food and Beverage |  |  | 7,007.4 |
—Retail Trade |  |  | 6,279.0 |
—Agri-Allied |  |  | 6,184.0 |
—Others (none greater than 5% of impaired loans) |  |  | 46,544.5 |
Total |  | Rs. | 108,717.3 |
|  | As of March 31, 2019 |
|  | (In millions) |
Gross impaired loans by industry: |  |  |  |  |  |  |  |
— Consumer Loans |  | Rs. | 22,513.7 |  |  | US$ | 325.5 |
— Agriculture Production—Food |  |  | 18,915.0 |  |  |  | 273.5 |
—Wholesale Trade- Non Industrial |  |  | 15,856.7 |  |  |  | 229.3 |
—Food and Beverage |  |  | 8,577.3 |  |  |  | 124.0 |
—Retail Trade |  |  | 7,767.0 |  |  |  | 112.3 |
—Others (none greater than 5% of impaired loans) |  |  | 66,792.8 |  |  |  | 965.8 |
Total |  | Rs. | 140,422.5 |  |  | US$ | 2,030.4 |
Summary information relating to impaired loans during the fiscal year ended March 31, 2017, March 31, 2018 and March 31, 2019 is as follows:
|  | Fiscal year ended March 31, |
|  | 2017 |  |  | 2018 |  |  | 2019 |  |  | 2019 |
|  | (In millions) |
Average impaired loans, net of allowance |  | Rs. | 29,612.1 |  |  | Rs. | 41,683.2 |  |  | Rs. | 50,378.2 |  |  | US$ | 728.4 |
Interest income recognized on impaired loans |  | Rs. | 3,472.7 |  |  | Rs. | 7,433.7 |  |  | Rs. | 6,994.7 |  |  | US$ | 101.1 |

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