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CONSOLIDATED STATEMENTS OF CASH FLOWS
₨ in Millions, $ in Millions
 12 Months Ended
Mar. 31, 2019
INR (₨)
Mar. 31, 2019
USD ($)
Mar. 31, 2018
INR (₨)
Mar. 31, 2017
INR (₨)
Cash flows from operating activities:        
Net income before noncontrolling interest ₨ 220,565.5 $ 3,189.2 ₨ 178,833.9 ₨ 140,740.6
Adjustment to reconcile net income to net cash provided by operating activities        
Provision for credit losses 72,279.3 1,045.1 59,397.8 37,951.4
Depreciation and amortization 12,247.8 177.1 9,678.9 8,876.9
Amortization of intangible assets 1.0 0.0 1.0 3.0
Amortization of deferred customer acquisition costs and fees 10,423.1 150.7 9,246.2 7,913.8
Amortization of premium (discount) on investments 4,532.1 65.5 3,599.4 2,609.8
Other than temporary impairment losses on available for sale debt securities 1,081.0 15.6 149.1 13.4
Deferred tax benefit (8,129.4) (117.6) (10,403.5) (5,048.6)
Other gains, net (6,717.5) (97.1) 0.0 0.0
Share-based compensation expense 5,343.3 77.3 6,594.6 8,203.2
Net realized (gain) loss on sale of available for sale debt securities (2,596.0) (37.5) (10,853.2) (9,606.2)
(Gain) loss on disposal of property and equipment, net (64.8) (0.9) (64.5) 14.8
Unrealized exchange (gain) loss 574.6 8.3 1,719.5 407.9
Net change in:        
Investments held for trading (96,555.7) (1,396.1) (131,816.3) 35,241.8
Accrued interest receivable (15,060.3) (217.8) (10,527.8) (9,083.4)
Other assets (112,726.3) (1,629.9) 90,525.6 (65,542.3)
Accrued interest payable 13,775.0 199.2 20,997.1 3,286.3
Accrued expense and other liabilities 84,299.5 1,218.9 (122,803.6) 223,289.8
Net cash provided by operating activities 183,272.2 2,650.0 94,274.2 379,272.2
Cash flows from investing activities:        
Term placements 24,447.4 353.5 (8,806.4) 17,830.3
Activity in available for sale debt securities:        
Purchases (1,781,754.9) (25,762.8) (1,518,100.1) (2,890,096.8)
Proceeds from sales 453,778.9 6,561.3 197,206.3 412,536.2
Maturities, prepayments and calls 937,072.0 13,549.3 1,171,299.5 2,274,701.2
Net change in repurchase agreements and reverse repurchase agreements 609,805.1 8,817.3 (462,018.6) (355,040.1)
Loans purchased (240,356.2) (3,475.4) (55,216.0) (128,490.2)
Repayments on loans purchased 89,713.3 1,297.2 76,993.2 59,803.7
Increase in loans originated, net of principal collections (1,610,724.3) (23,289.8) (1,440,601.9) (956,914.2)
Additions to property and equipment (16,355.0) (236.5) (9,181.5) (12,628.5)
Proceeds from sale or disposal of property and equipment 212.3 3.1 95.1 94.3
Activity in equity securities, net (2,821.4) (40.8) 4.7 0.0
Net cash used in investing activities (1,536,982.8) (22,223.6) (2,048,325.7) (1,578,204.1)
Cash flows from financing activities:        
Net increase in deposits 1,331,850.9 19,257.5 1,447,097.0 979,662.7
Net increase (decrease) in short-term borrowings (127,707.1) (1,846.5) 456,558.6 68,703.2
Purchase of subsidiary shares from noncontrolling interest 0.0 0.0 (143.3) 0.0
Proceeds from issue of shares by a subsidiary to noncontrolling interests 459.8 6.6 366.5 301.9
Proceeds from issuance of long-term debt 320,093.6 4,628.3 425,517.1 335,048.9
Repayment of long-term debt (224,084.5) (3,240.1) (225,150.2) (123,074.3)
Proceeds from issuance of equity shares for options exercised 22,008.2 318.2 27,259.1 22,615.1
Proceeds from issuance of equity shares (net of issuance cost) 235,896.2 3,410.9 0.0 0.0
Payment of dividends and dividend tax (41,015.2) (593.0) (34,490.3) (29,280.9)
Net cash provided by financing activities 1,517,501.9 21,941.9 2,097,014.5 1,253,976.6
Effect of exchange rate changes on cash and due from banks, and restricted cash (3,069.7) (44.4) 479.4 (2,007.8)
Net change in cash and due from banks, and restricted cash 160,721.6 2,323.9 143,442.4 53,036.9
Cash and due from banks, and restricted cash, beginning of year 574,151.0 8,301.8 430,708.6 377,671.7
Cash and due from banks, and restricted cash, end of year 734,872.6 10,625.7 574,151.0 430,708.6
Supplementary cash flow information:        
Interest paid 520,351.2 7,523.9 399,287.9 370,455.4
Income taxes paid, net of refunds 119,365.0 1,725.9 100,089.3 76,849.6
Non-cash investment activities        
Payable for purchase of property and equipment ₨ 1,323.7 $ 19.1 ₨ 1,064.5 ₨ 537.8