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Deposits

12 Months Ended

Mar. 31, 2020

Deposits

15. Deposits

Deposits include demand deposits, which are non-interest-bearing, and savings and time deposits, which are interest-bearing. Deposits as of March 31, 2019 and March 31, 2020 were as follows:

		As of March 31,
		2019				2020				2020
		(In millions)
Interest-bearing:
Savings deposits		Rs.	2,487,001.6			Rs.	3,103,769.5			US$	41,169.5
Time deposits			5,317,715.9				6,626,711.8				87,899.1
Total interest-bearing deposits			7,804,717.5				9,730,481.3				129,068.6
Non-interest-bearing deposits			1,420,309.4				1,731,590.0				22,968.4
Total		Rs.	9,225,026.9			Rs.	11,462,071.3			US$	152,037.0

As of March 31, 2019 and March 31, 2020, time deposits of Rs. 4,570,771.1 million and Rs. 5,233,225.0 million, respectively, had a residual maturity of one year or less. The remaining deposits mature between one and ten years.

As of March 31, 2019 and March 31, 2020, time deposits in excess of Rs. 0.1 million aggregated Rs. 5,145,912.9 million and Rs. 6,397,698.1 million, respectively.

As of March 31, 2020, the scheduled maturities for total time deposits were as follows:

		As of March 31, 2020
		(In millions)
Due to mature in the fiscal year ending March 31:
2021		Rs.	5,233,225.0			US$	69,415.4
2022			992,908.7				13,170.3
2023			251,362.6				3,334.2
2024			66,752.1				885.4
2025			49,990.3				663.1
Thereafter			32,473.1				430.7
Total		Rs.	6,626,711.8			US$	87,899.1

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- Definition

The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 405
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=116652737&loc=d3e64164-112818

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.12)
-URI http://asc.fasb.org/extlink&oid=120398452&loc=d3e534808-122878

+ Details

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