XML 104 R92.htm IDEA: XBRL DOCUMENT
v3.20.2

Allowance for Credit Losses (Detail) ₨ in Millions, $ in Millions | 12 Months Ended |
--- | --- | ---
Mar. 31, 2020 INR (₨) | Mar. 31, 2020 USD ($) | Mar. 31, 2019 INR (₨) | Mar. 31, 2018 INR (₨) | Mar. 31, 2020 USD ($)
Financing Receivable, Allowance for Credit Loss [Line Items] |  |  |  |  |  |  |  |  |
Allowance for credit losses, beginning of the period | ₨ 148,232.0 |  | $ 1,966.2 |  | ₨ 112,507.2 |  | ₨ 78,496.9 |  |
Write-offs | (92,679.6) |  | (1,229.3) |  | (53,331.6) |  | (37,978.3) |  |
Net allowance for credit losses | 143,280.8 | [1] | 1,900.5 | [1] | 89,056.4 | [2] | 71,988.6 | [3] |
Allowance for credit losses, end of the period | 198,833.2 |  | $ 2,637.4 |  | 148,232.0 |  | 112,507.2 |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |
Allowance individually evaluated for impairment | 26,426.4 |  |  |  | 20,233.2 |  | 15,323.0 |  | $ 350.5
Allowance collectively evaluated for impairment | 172,406.8 |  |  |  | 127,998.8 |  | 97,184.2 |  | 2,286.9
Loans: |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment | 35,423.4 |  |  |  | 38,153.7 |  | 32,812.8 |  | 469.9
Loans collectively evaluated for impairment | 10,588,432.2 |  |  |  | 9,073,310.9 |  | 7,343,366.2 |  | $ 140,448.8
Specific allowance for credit losses | Retail Loans | Auto loans |  |  |  |  |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |  |  |  |  |  |  |  |
Allowance for credit losses, beginning of the period | 6,169.0 |  |  |  | 3,682.2 |  | 2,792.9 |  |
Write-offs | (11,524.3) |  |  |  | (9,155.3) |  | (6,826.4) |  |
Net allowance for credit losses | 13,169.8 | [1] |  |  | 11,642.1 | [2] | 7,715.7 | [3] |
Allowance for credit losses, end of the period | 7,814.5 |  |  |  | 6,169.0 |  | 3,682.2 |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |
Allowance individually evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Allowance collectively evaluated for impairment | 7,814.5 |  |  |  | 6,169.0 |  | 3,682.2 |  |
Loans: |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Loans collectively evaluated for impairment | 15,279.2 |  |  |  | 13,606.7 |  | 8,634.5 |  |
Specific allowance for credit losses | Retail Loans | Personal loans/Credit card |  |  |  |  |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |  |  |  |  |  |  |  |
Allowance for credit losses, beginning of the period | 9,694.0 |  |  |  | 6,182.6 |  | 4,040.0 |  |
Write-offs | (41,646.3) |  |  |  | (25,197.0) |  | (16,714.3) |  |
Net allowance for credit losses | 40,487.4 | [1] |  |  | 28,708.4 | [2] | 18,856.9 | [3] |
Allowance for credit losses, end of the period | 8,535.1 |  |  |  | 9,694.0 |  | 6,182.6 |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |
Allowance individually evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Allowance collectively evaluated for impairment | 8,535.1 |  |  |  | 9,694.0 |  | 6,182.6 |  |
Loans: |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Loans collectively evaluated for impairment | 14,481.7 |  |  |  | 15,781.5 |  | 10,150.9 |  |
Specific allowance for credit losses | Retail Loans | Retail Business Banking |  |  |  |  |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |  |  |  |  |  |  |  |
Allowance for credit losses, beginning of the period | 21,595.3 |  |  |  | 18,709.4 |  | 15,278.4 |  |
Write-offs | (9,379.0) |  |  |  | (6,665.5) |  | (5,730.0) |  |
Net allowance for credit losses | 9,471.1 | [1] |  |  | 9,551.4 | [2] | 9,161.0 | [3] |
Allowance for credit losses, end of the period | 21,687.4 |  |  |  | 21,595.3 |  | 18,709.4 |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |
Allowance individually evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Allowance collectively evaluated for impairment | 21,687.4 |  |  |  | 21,595.3 |  | 18,709.4 |  |
Loans: |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Loans collectively evaluated for impairment | 32,866.3 |  |  |  | 29,945.0 |  | 25,547.2 |  |
Specific allowance for credit losses | Retail Loans | Commercial vehicle and construction equipment finance |  |  |  |  |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |  |  |  |  |  |  |  |
Allowance for credit losses, beginning of the period | 6,544.8 |  |  |  | 4,806.1 |  | 4,398.5 |  |
Write-offs | (10,838.5) |  |  |  | (4,812.8) |  | (3,644.0) |  |
Net allowance for credit losses | 15,901.0 | [1] |  |  | 6,551.5 | [2] | 4,051.6 | [3] |
Allowance for credit losses, end of the period | 11,607.3 |  |  |  | 6,544.8 |  | 4,806.1 |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |
Allowance individually evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Allowance collectively evaluated for impairment | 11,607.3 |  |  |  | 6,544.8 |  | 4,806.1 |  |
Loans: |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Loans collectively evaluated for impairment | 22,992.2 |  |  |  | 11,254.9 |  | 6,968.1 |  |
Specific allowance for credit losses | Retail Loans | Housing loans |  |  |  |  |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |  |  |  |  |  |  |  |
Allowance for credit losses, beginning of the period | 1,105.2 |  |  |  | 974.4 |  | 739.3 |  |
Write-offs | (130.3) |  |  |  | (93.3) |  | (61.5) |  |
Net allowance for credit losses | 439.8 | [1] |  |  | 224.1 | [2] | 296.6 | [3] |
Allowance for credit losses, end of the period | 1,414.7 |  |  |  | 1,105.2 |  | 974.4 |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |
Allowance individually evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Allowance collectively evaluated for impairment | 1,414.7 |  |  |  | 1,105.2 |  | 974.4 |  |
Loans: |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Loans collectively evaluated for impairment | 2,921.3 |  |  |  | 2,157.1 |  | 1,899.5 |  |
Specific allowance for credit losses | Retail Loans | Other Retail |  |  |  |  |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |  |  |  |  |  |  |  |
Allowance for credit losses, beginning of the period | 20,441.5 |  |  |  | 12,922.8 |  | 6,767.5 |  |
Write-offs | (12,833.1) |  |  |  | (5,652.0) |  | (4,557.4) |  |
Net allowance for credit losses | 16,508.1 | [1] |  |  | 13,170.7 | [2] | 10,712.7 | [3] |
Allowance for credit losses, end of the period | 24,116.5 |  |  |  | 20,441.5 |  | 12,922.8 |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |
Allowance individually evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Allowance collectively evaluated for impairment | 24,116.5 |  |  |  | 20,441.5 |  | 12,922.8 |  |
Loans: |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Loans collectively evaluated for impairment | 33,462.8 |  |  |  | 29,523.6 |  | 22,704.3 |  |
Specific allowance for credit losses | Wholesale loans |  |  |  |  |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |  |  |  |  |  |  |  |
Allowance for credit losses, beginning of the period | 20,233.2 |  |  |  | 15,323.0 |  | 11,713.5 |  |
Write-offs | (6,328.1) |  |  |  | (1,755.7) |  | (444.7) |  |
Net allowance for credit losses | 12,521.3 | [1] |  |  | 6,665.9 | [2] | 4,054.2 | [3] |
Allowance for credit losses, end of the period | 26,426.4 |  |  |  | 20,233.2 |  | 15,323.0 |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |
Allowance individually evaluated for impairment | 26,426.4 |  |  |  | 20,233.2 |  | 15,323.0 |  |
Allowance collectively evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Loans: |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment | 35,423.4 |  |  |  | 38,153.7 |  | 32,812.8 |  |
Loans collectively evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Unallocated allowance for credit losses | Retail Loans |  |  |  |  |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |  |  |  |  |  |  |  |
Allowance for credit losses, beginning of the period | 52,941.1 |  |  |  | 42,147.4 |  | 28,110.6 |  |
Write-offs | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Net allowance for credit losses | 31,088.3 | [1] |  |  | 10,793.7 | [2] | 14,036.8 | [3] |
Allowance for credit losses, end of the period | 84,029.4 |  |  |  | 52,941.1 |  | 42,147.4 |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |
Allowance individually evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Allowance collectively evaluated for impairment | 84,029.4 |  |  |  | 52,941.1 |  | 42,147.4 |  |
Loans: |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Loans collectively evaluated for impairment | 6,918,796.9 |  |  |  | 6,135,634.8 |  | 5,137,460.1 |  |
Unallocated allowance for credit losses | Wholesale loans |  |  |  |  |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |  |  |  |  |  |  |  |
Allowance for credit losses, beginning of the period | 9,507.9 |  |  |  | 7,759.3 |  | 4,656.2 |  |
Write-offs | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Net allowance for credit losses | 3,694.0 | [1] |  |  | 1,748.6 | [2] | 3,103.1 | [3] |
Allowance for credit losses, end of the period | 13,201.9 |  |  |  | 9,507.9 |  | 7,759.3 |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |
Allowance individually evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Allowance collectively evaluated for impairment | 13,201.9 |  |  |  | 9,507.9 |  | 7,759.3 |  |
Loans: |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment | 0.0 |  |  |  | 0.0 |  | 0.0 |  |
Loans collectively evaluated for impairment | ₨ 3,547,631.8 |  |  |  | ₨ 2,835,407.3 |  | ₨ 2,130,001.6 |  |
[1] | Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 25,658.9 million (US$ 340.3 million). Recoveries from retail loans is Rs.22,548.7 million and from wholesale loans is Rs. 3,110.2 million.
[2] | Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 16,777.1 million. Recoveries from retail loans is Rs. 16,590.9 million and from wholesale loans is Rs. 186.2 million.
[3] | 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.

X
- References No definition available. + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition The valuation allowance for financing receivables that are expected to be uncollectible that were collectively evaluated for impairment. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (g) -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount of valuation allowance for financing receivables that are expected to be uncollectible that were individually evaluated for impairment. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (g) -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table. + References No definition available. + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Amount of writeoff of financing receivable, charged against allowance for credit loss. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -Subparagraph (d) -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919249-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(3) -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 79 -URI http://asc.fasb.org/extlink&oid=121647567&loc=SL82922352-210448 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition The balance of financing receivables that were collectively evaluated for impairment. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (h) -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 + Details
Name: | us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition The balance of financing receivables that were individually evaluated for impairment. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (h) -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 + Details
Name: | us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (g) -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 30 -Section 50 -Paragraph 2 -Subparagraph (b)(1)(ii) -URI http://asc.fasb.org/extlink&oid=121614798&loc=d3e15032-111544 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(1) -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section S99 -Paragraph 4 -Subparagraph (SAB Topic 6.L.1) -URI http://asc.fasb.org/extlink&oid=27010918&loc=d3e74567-122707 + Details
Name: | us-gaap_LoansAndLeasesReceivableAllowance
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- References No definition available. + Details
Name: | us-gaap_LoansAndLeasesReceivableNetOfDeferredIncomeAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Amount of expense related to estimated loss from loan and lease transactions. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 230 -SubTopic 10 -Section 45 -Paragraph 28 -Subparagraph (a) -URI http://asc.fasb.org/extlink&oid=121586364&loc=d3e3602-108585 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 220 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-04.11) -URI http://asc.fasb.org/extlink&oid=120399700&loc=SL114874048-224260 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(2) -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 + Details
Name: | us-gaap_ProvisionForLoanAndLeaseLosses
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Details
Name: | us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=hdb_SpecificAllowanceMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_AutomobileLoanMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=hdb_PersonalLoansAndCreditCardFinancingReceivableMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=hdb_RetailBusinessBankingMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=hdb_CommercialVehicleAndConstructionEquipmentFinanceMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_HomeEquityLoanMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=hdb_OtherRetailMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=hdb_UnallocatedAllowanceMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |