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CONSOLIDATED STATEMENTS OF INCOME
₨ in Millions, $ in Millions
12 Months Ended
Mar. 31, 2020
INR (₨)
₨ / shares
Mar. 31, 2020
USD ($)
$ / shares
Mar. 31, 2019
INR (₨)
₨ / shares
Mar. 31, 2018
INR (₨)
₨ / shares
Interest and dividend revenue:        
Loans ₨ 981,794.8 $ 13,022.9 ₨ 827,683.0 ₨ 667,458.7
Trading securities 7,392.1 98.1 8,892.9 4,049.1
Available for sale debt securities 198,383.2 2,631.4 190,992.5 158,209.2
Other 24,412.8 323.8 14,146.5 13,748.3
Total interest and dividend revenue 1,211,982.9 16,076.2 1,041,714.9 843,465.3
Interest expense:        
Deposits 507,888.8 6,736.8 410,026.4 326,717.8
Short-term borrowings 27,216.8 361.0 39,054.3 26,004.4
Long-term debt 83,200.5 1,103.6 85,081.1 67,297.5
Other 149.4 2.0 47.5 295.0
Total interest expense 618,455.5 8,203.4 534,209.3 420,314.7
Net interest revenue 593,527.4 7,872.8 507,505.6 423,150.6
Provision for credit losses 117,621.9 1,560.2 72,279.3 59,397.8
Net interest revenue after provision for credit losses 475,905.5 6,312.6 435,226.3 363,752.8
Non-interest revenue, net:        
Fees and commissions 160,099.5 2,123.6 134,155.2 120,060.9
Trading securities gain/(loss), net 1,323.4 17.6 1,028.4 (63.4)
Realized gain/(loss) on sales of available for sale debt securities, net 25,826.2 342.6 2,596.0 10,853.2
Other than temporary impairment losses on available for sale debt securities (9,109.0) (120.8) (1,081.0) (149.1)
Foreign exchange transactions 15,265.6 202.5 1,917.8 6,209.5
Derivatives gain/(loss), net 3,550.0 47.1 12,409.1 6,742.6
Other, net 1,263.3 16.8 9,096.7 953.3
Total non-interest revenue, net 198,219.0 2,629.4 160,122.2 144,607.0
Total revenue, net 674,124.5 8,942.0 595,348.5 508,359.8
Non-interest expense:        
Salaries and staff benefits 130,506.9 1,731.1 104,652.6 98,483.7
Premises and equipment 31,533.9 418.3 29,527.7 29,816.9
Depreciation and amortization 12,800.3 169.8 12,247.8 9,678.9
Administrative and other 133,439.4 1,770.0 108,960.4 93,272.9
Amortization of intangible assets 0.0 0.0 1.0 1.0
Total non-interest expense 308,280.5 4,089.2 255,389.5 231,253.4
Income before income tax expense 365,844.0 4,852.8 339,959.0 277,106.4
Income tax expense 105,480.0 1,399.1 119,393.5 98,272.5
Net income before noncontrolling interest 260,364.0 3,453.7 220,565.5 178,833.9
Less: Net income attributable to shareholders of noncontrolling interest 94.1 1.2 461.7 319.0
Net income attributable to HDFC Bank Limited ₨ 260,269.9 $ 3,452.5 ₨ 220,103.8 ₨ 178,514.9
Per share information: (see note: 29)        
Earnings per equity share-basic | (per share) ₨ 47.59 $ 0.63 ₨ 41.07 ₨ 34.59
Earnings per equity share-diluted | (per share) 47.27 0.62 40.66 34.15
Per ADS information (where 1 ADS represents 3 shares): (see note: 29)        
Earnings per ADS-basic | (per share) 142.77 1.89 123.21 103.77
Earnings per ADS-diluted | (per share) 141.81 1.86 121.98 102.45
Dividends declared per equity share | (per share) ₨ 2.5 $ 0.03 ₨ 7.5 ₨ 6.5