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v3.20.2

Concentrations of Credit Risk (Detail) ₨ in Millions, $ in Millions | 12 Months Ended |
--- | --- | ---
Mar. 31, 2020 INR (₨) | Mar. 31, 2020 USD ($) | Mar. 31, 2019 INR (₨) | Mar. 31, 2020 USD ($)
Concentration Risk [Line Items] |  |  |  |
Gross loans | ₨ 10,623,855.6 |  | ₨ 9,111,464.6 | $ 140,918.6
Fair Value Of Credit Substitutes | 362,373.7 |  | 272,886.8 | $ 4,806.7
Non-funded exposure | 1,224,692.9 |  | 1,147,966.2 |
Total Exposure | ₨ 12,210,922.2 | $ 161,969.9 | ₨ 10,532,317.6 |
Lender Concentration Risk | Concentration of Credit Risk by Industry |  |  |  |
Concentration Risk [Line Items] |  |  |  |
% | 100.00% | 100.00% | 100.00% |
Consumer Loans |  |  |  |
Concentration Risk [Line Items] |  |  |  |
Gross loans | ₨ 2,958,437.7 |  | ₨ 2,477,945.6 |
Fair Value Of Credit Substitutes | 2,756.6 |  | 0.0 |
Non-funded exposure | 446.4 |  | 1,552.1 |
Total Exposure | ₨ 2,961,640.7 | $ 39,284.3 | ₨ 2,479,497.7 |
Consumer Loans | Lender Concentration Risk | Concentration of Credit Risk by Industry |  |  |  |
Concentration Risk [Line Items] |  |  |  |
% | 24.30% | 24.30% | 23.50% |
Retail Trade |  |  |  |
Concentration Risk [Line Items] |  |  |  |
Gross loans | ₨ 533,155.3 |  | ₨ 445,757.8 |
Fair Value Of Credit Substitutes | 343.7 |  | 1,170.7 |
Non-funded exposure | 22,820.3 |  | 15,051.6 |
Total Exposure | ₨ 556,319.3 | $ 7,379.2 | ₨ 461,980.1 |
Retail Trade | Lender Concentration Risk | Concentration of Credit Risk by Industry |  |  |  |
Concentration Risk [Line Items] |  |  |  |
% | 4.60% | 4.60% | 4.40% |
NBFC/Financial Intermediaries |  |  |  |
Concentration Risk [Line Items] |  |  |  |
Gross loans | ₨ 317,450.0 |  | ₨ 311,477.1 |
Fair Value Of Credit Substitutes | 76,860.2 |  | 98,274.0 |
Non-funded exposure | 1,659.1 |  | 13,203.1 |
Total Exposure | ₨ 395,969.3 | $ 5,252.3 | ₨ 422,954.2 |
NBFC/Financial Intermediaries | Lender Concentration Risk | Concentration of Credit Risk by Industry |  |  |  |
Concentration Risk [Line Items] |  |  |  |
% | 3.20% | 3.20% | 4.00% |
Automobile and Auto Ancillary |  |  |  |
Concentration Risk [Line Items] |  |  |  |
Gross loans | ₨ 330,632.5 |  | ₨ 352,979.1 |
Fair Value Of Credit Substitutes | 18,397.9 |  | 10,413.9 |
Non-funded exposure | 33,037.0 |  | 32,546.7 |
Total Exposure | ₨ 382,067.4 | $ 5,067.9 | ₨ 395,939.7 |
Automobile and Auto Ancillary | Lender Concentration Risk | Concentration of Credit Risk by Industry |  |  |  |
Concentration Risk [Line Items] |  |  |  |
% | 3.10% | 3.10% | 3.80% |
Road Transportation |  |  |  |
Concentration Risk [Line Items] |  |  |  |
Gross loans | ₨ 376,334.2 |  | ₨ 376,547.1 |
Fair Value Of Credit Substitutes | 495.3 |  | 0.0 |
Non-funded exposure | 10,849.7 |  | 9,808.2 |
Total Exposure | ₨ 387,679.2 | $ 5,142.3 | ₨ 386,355.3 |
Road Transportation | Lender Concentration Risk | Concentration of Credit Risk by Industry |  |  |  |
Concentration Risk [Line Items] |  |  |  |
% | 3.20% | 3.20% | 3.70% |
Consumer Services |  |  |  |
Concentration Risk [Line Items] |  |  |  |
Gross loans | ₨ 399,046.4 |  | ₨ 354,060.4 |
Fair Value Of Credit Substitutes | 2,015.1 |  | 3,957.3 |
Non-funded exposure | 19,135.9 |  | 13,757.6 |
Total Exposure | ₨ 420,197.4 | $ 5,573.6 | ₨ 371,775.3 |
Consumer Services | Lender Concentration Risk | Concentration of Credit Risk by Industry |  |  |  |
Concentration Risk [Line Items] |  |  |  |
% | 3.40% | 3.40% | 3.50% |
Agriculture Production - Food |  |  |  |
Concentration Risk [Line Items] |  |  |  |
Gross loans | ₨ 313,143.6 |  | ₨ 330,092.5 |
Fair Value Of Credit Substitutes | 0.0 |  | 0.0 |
Non-funded exposure | 833.3 |  | 728.8 |
Total Exposure | ₨ 313,976.9 | $ 4,164.7 | ₨ 330,821.3 |
Agriculture Production - Food | Lender Concentration Risk | Concentration of Credit Risk by Industry |  |  |  |
Concentration Risk [Line Items] |  |  |  |
% | 2.60% | 2.60% | 3.10% |
Power |  |  |  |
Concentration Risk [Line Items] |  |  |  |
Gross loans | ₨ 458,628.1 |  | ₨ 251,169.4 |
Fair Value Of Credit Substitutes | 48,997.7 |  | 37,188.7 |
Non-funded exposure | 41,445.6 |  | 39,998.4 |
Total Exposure | ₨ 549,071.4 | $ 7,283.1 | ₨ 328,356.5 |
Power | Lender Concentration Risk | Concentration of Credit Risk by Industry |  |  |  |
Concentration Risk [Line Items] |  |  |  |
% | 4.50% | 4.50% | 3.10% |
Telecom |  |  |  |
Concentration Risk [Line Items] |  |  |  |
Gross loans | ₨ 232,932.0 |  | ₨ 246,272.4 |
Fair Value Of Credit Substitutes | 10,412.6 |  | 21,288.6 |
Non-funded exposure | 29,949.6 |  | 26,245.9 |
Total Exposure | ₨ 273,294.2 | $ 3,625.1 | ₨ 293,806.9 |
Telecom | Lender Concentration Risk | Concentration of Credit Risk by Industry |  |  |  |
Concentration Risk [Line Items] |  |  |  |
% | 2.20% | 2.20% | 2.80% |
Real Estate and Property Services |  |  |  |
Concentration Risk [Line Items] |  |  |  |
Gross loans | ₨ 280,870.4 |  | ₨ 257,056.8 |
Fair Value Of Credit Substitutes | 4,309.5 |  | 1,978.8 |
Non-funded exposure | 36,335.2 |  | 33,482.7 |
Total Exposure | ₨ 321,515.1 | $ 4,264.7 | ₨ 292,518.3 |
Real Estate and Property Services | Lender Concentration Risk | Concentration of Credit Risk by Industry |  |  |  |
Concentration Risk [Line Items] |  |  |  |
% | 2.60% | 2.60% | 2.80% |
Engineering |  |  |  |
Concentration Risk [Line Items] |  |  |  |
Gross loans | ₨ 240,196.0 |  | ₨ 159,462.7 |
Fair Value Of Credit Substitutes | 12,255.3 |  | 1,557.3 |
Non-funded exposure | 144,296.9 |  | 120,816.0 |
Total Exposure | ₨ 396,748.2 | $ 5,262.6 | ₨ 281,836.0 |
Engineering | Lender Concentration Risk | Concentration of Credit Risk by Industry |  |  |  |
Concentration Risk [Line Items] |  |  |  |
% | 3.20% | 3.20% | 2.70% |
Food And Beverage |  |  |  |
Concentration Risk [Line Items] |  |  |  |
Gross loans | ₨ 260,907.9 |  | ₨ 233,798.9 |
Fair Value Of Credit Substitutes | 1,391.3 |  | 0.0 |
Non-funded exposure | 21,853.6 |  | 15,325.7 |
Total Exposure | ₨ 284,152.8 | $ 3,769.1 | ₨ 249,124.6 |
Food And Beverage | Lender Concentration Risk | Concentration of Credit Risk by Industry |  |  |  |
Concentration Risk [Line Items] |  |  |  |
% | 2.30% | 2.30% | 2.40% |
Financial Institutions |  |  |  |
Concentration Risk [Line Items] |  |  |  |
Gross loans | ₨ 219,417.5 |  |  |
Fair Value Of Credit Substitutes | 59,118.8 |  |  |
Non-funded exposure | 2,058.7 |  |  |
Total Exposure | ₨ 280,595.0 | $ 3,721.9 |  |
Financial Institutions | Lender Concentration Risk | Concentration of Credit Risk by Industry |  |  |  |
Concentration Risk [Line Items] |  |  |  |
% | 2.30% | 2.30% |  |
Business Services |  |  |  |
Concentration Risk [Line Items] |  |  |  |
Gross loans | ₨ 244,028.7 |  | ₨ 236,853.7 |
Fair Value Of Credit Substitutes | 2,278.5 |  | 249.2 |
Non-funded exposure | 15,953.3 |  | 11,318.3 |
Total Exposure | ₨ 262,260.5 | $ 3,478.7 | ₨ 248,421.2 |
Business Services | Lender Concentration Risk | Concentration of Credit Risk by Industry |  |  |  |
Concentration Risk [Line Items] |  |  |  |
% | 2.10% | 2.10% | 2.40% |
Iron and Steel |  |  |  |
Concentration Risk [Line Items] |  |  |  |
Gross loans | ₨ 231,524.9 |  | ₨ 195,488.6 |
Fair Value Of Credit Substitutes | 1,144.7 |  | 5,514.4 |
Non-funded exposure | 45,235.4 |  | 44,149.5 |
Total Exposure | ₨ 277,905.0 | $ 3,686.2 | ₨ 245,152.5 |
Iron and Steel | Lender Concentration Risk | Concentration of Credit Risk by Industry |  |  |  |
Concentration Risk [Line Items] |  |  |  |
% | 2.30% | 2.30% | 2.30% |
Coal & Petroleum Products |  |  |  |
Concentration Risk [Line Items] |  |  |  |
Gross loans | ₨ 136,531.9 |  | ₨ 92,504.7 |
Fair Value Of Credit Substitutes | 33,834.9 |  | 705.0 |
Non-funded exposure | 115,440.2 |  | 150,857.5 |
Total Exposure | ₨ 285,807.0 | $ 3,791.0 | ₨ 244,067.2 |
Coal & Petroleum Products | Lender Concentration Risk | Concentration of Credit Risk by Industry |  |  |  |
Concentration Risk [Line Items] |  |  |  |
% | 2.30% | 2.30% | 2.30% |
Wholesale Trade - Industrial |  |  |  |
Concentration Risk [Line Items] |  |  |  |
Gross loans | ₨ 211,849.6 |  | ₨ 192,708.4 |
Fair Value Of Credit Substitutes | 34.2 |  | 67.8 |
Non-funded exposure | 34,840.2 |  | 29,835.7 |
Total Exposure | ₨ 246,724.0 | $ 3,272.6 | ₨ 222,611.9 |
Wholesale Trade - Industrial | Lender Concentration Risk | Concentration of Credit Risk by Industry |  |  |  |
Concentration Risk [Line Items] |  |  |  |
% | 2.00% | 2.00% | 2.10% |
Textiles and Garments |  |  |  |
Concentration Risk [Line Items] |  |  |  |
Gross loans |  |  | ₨ 187,527.5 |
Fair Value Of Credit Substitutes |  |  | 4,436.1 |
Non-funded exposure |  |  | 26,803.8 |
Total Exposure |  |  | ₨ 218,767.4 |
Textiles and Garments | Lender Concentration Risk | Concentration of Credit Risk by Industry |  |  |  |
Concentration Risk [Line Items] |  |  |  |
% |  |  | 2.10% |
Infrastructure Development |  |  |  |
Concentration Risk [Line Items] |  |  |  |
Gross loans | ₨ 165,578.8 |  | ₨ 128,273.5 |
Fair Value Of Credit Substitutes | 2,457.1 |  | 9,035.5 |
Non-funded exposure | 104,731.8 |  | 79,596.8 |
Total Exposure | ₨ 272,767.7 | $ 3,618.1 | ₨ 216,905.8 |
Infrastructure Development | Lender Concentration Risk | Concentration of Credit Risk by Industry |  |  |  |
Concentration Risk [Line Items] |  |  |  |
% | 2.20% | 2.20% | 2.10% |
Wholesale Trade - Non Industrial |  |  |  |
Concentration Risk [Line Items] |  |  |  |
Gross loans | ₨ 238,436.5 |  | ₨ 200,089.4 |
Fair Value Of Credit Substitutes | 0.0 |  | 248.3 |
Non-funded exposure | 18,766.1 |  | 12,218.2 |
Total Exposure | ₨ 257,202.6 | $ 3,411.6 | ₨ 212,555.9 |
Wholesale Trade - Non Industrial | Lender Concentration Risk | Concentration of Credit Risk by Industry |  |  |  |
Concentration Risk [Line Items] |  |  |  |
% | 2.10% | 2.10% | 2.00% |
Others (none greater than 2%) |  |  |  |
Concentration Risk [Line Items] |  |  |  |
Gross loans | ₨ 2,474,753.6 |  | ₨ 2,081,399.0 |
Fair Value Of Credit Substitutes | 85,270.3 |  | 76,801.2 |
Non-funded exposure | 525,004.6 |  | 470,669.6 |
Total Exposure | ₨ 3,085,028.5 | $ 40,920.9 | ₨ 2,628,869.8 |
Others (none greater than 2%) | Lender Concentration Risk | Concentration of Credit Risk by Industry |  |  |  |
Concentration Risk [Line Items] |  |  |  |
% | 25.50% | 25.50% | 24.90% |

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