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Loans (Tables)

12 Months Ended

Mar. 31, 2020

Loans by Facility

Loans by facility as of March 31, 2019 and March 31, 2020 were as follows: 

		As of March 31,
		2019				2020				2020
		(In millions)
Retail loans:
Auto loans		Rs.	951,744.2			Rs.	952,053.1			US$	12,628.4
Personal loans/Credit cards			1,538,107.4				1,920,601.6				25,475.5
Retail business banking			1,478,317.8				1,658,770.3				22,002.5
Commercial vehicle and construction equipment finance			746,288.0				747,382.4				9,913.5
Housing loans			513,771.6				634,612.4				8,417.7
Other retail loans			1,009,674.6				1,127,380.6				14,954.0
Subtotal		Rs.	6,237,903.6			Rs.	7,040,800.4			US$	93,391.6
Wholesale loans		Rs.	2,873,561.0			Rs.	3,583,055.2			US$	47,527.0
Gross loans			9,111,464.6				10,623,855.6				140,918.6
Less: Allowance for credit losses			148,232.0				198,833.2				2,637.4
Total		Rs.	8,963,232.6			Rs.	10,425,022.4			US$	138,281.2

Financing Receivable, by Maturity

The maturity of gross loans as of March 31, 2020 is set out below:

		As of March 31, 2020
		Wholesale loans				Retail loans				Total
		(In millions)
Maturity profile of loans:
Within one year		Rs.	1,718,893.5			Rs.	2,140,034.9			Rs.	3,858,928.4
Over one year through five years			1,191,304.1				4,290,512.7				5,481,816.8
Over five years			672,857.6				610,252.8				1,283,110.4
Total gross loans		Rs.	3,583,055.2			Rs.	7,040,800.4			Rs.	10,623,855.6
Total gross loans		US$	47,527.0			US$	93,391.6			US$	140,918.6

Financing Receivable Credit Quality Indicators

Gross loans analyzed by performance are as follows:

		As of March 31,
		2019				2020				2020
		(In millions)
Performing		Rs.	8,971,042.1			Rs.	10,466,428.7			US$	138,830.5
Impaired			140,422.5				157,426.9				2,088.1
Total gross loans		Rs.	9,111,464.6			Rs.	10,623,855.6			US$	140,918.6

Past Due Financing Receivables

The following table provides details of age analysis of loans as of March 31, 2019 and March 31, 2020.

		As of March 31, 2019
		31-90 days past due				Impaired / 91 days or more past due				Current 1,2				Total
		(In millions)
Retail Loans
Auto loans		Rs.	4,807.0			Rs.	13,606.7			Rs.	933,330.5			Rs.	951,744.2
Personal loans/Credit card			11,520.2				15,781.5				1,510,805.7				1,538,107.4
Retail business banking			9,087.9				29,945.0				1,439,284.9				1,478,317.8
Commercial vehicle and construction equipment finance			9,225.0				11,254.9				725,808.1				746,288.0
Housing loans			784.9				2,157.1				510,829.6				513,771.6
Other retail			9,480.1				29,523.6				970,670.9				1,009,674.6
Wholesale loans			202.9				38,153.7				2,835,204.4				2,873,561.0
Total		Rs.	45,108.0			Rs.	140,422.5			Rs.	8,925,934.1			Rs.	9,111,464.6

1) Loans up to 30 days past due are considered current

2) Includes crop related agricultural loans with days past due less than 366 as they are not considered as impaired Rs. 34.0 billion.

		As of March 31, 2020
		31-90 days past due				Impaired / 91 days or more past due				Current 1,2				Total
		(In millions)
Retail Loans
Auto loans		Rs.	4,049.3			Rs.	15,279.2			Rs.	932,724.6			Rs.	952,053.1
Personal loans/Credit card			16,819.3				14,481.7				1,889,300.6				1,920,601.6
Retail business banking			15,210.9				32,866.3				1,610,693.1				1,658,770.3
Commercial vehicle and construction equipment finance			17,679.2				22,992.2				706,711.0				747,382.4
Housing loans			3,330.9				2,921.3				628,360.2				634,612.4
Other retail			13,038.1				33,462.8				1,080,879.7				1,127,380.6
Wholesale loans			5,126.9				35,423.4				3,542,504.9				3,583,055.2
Total		Rs.	75,254.6			Rs.	157,426.9			Rs.	10,391,174.1			Rs.	10,623,855.6
Total		US$	998.1			US$	2,088.1			US$	137,832.4			US$	140,918.6

1) Loans up to 30 days past due are considered current

2) Includes crop related agricultural loans with days past due less than 366 as they are not considered as impaired Rs. 39.0 billion.

Impaired Financing Receivables

The following table provides details of impaired loans as of March 31, 2019 and March 31, 2020.

		As of March 31, 2019
		Recorded investments				Unpaid principal balance				Related specific allowance				Average recorded investments				Finance receivable on non-accrual status
		(In millions)
Retail Loans
Auto loans		Rs.	13,606.7			Rs.	13,606.7			Rs.	6,169.0			Rs.	11,120.6			Rs.	13,606.7
Personal loans/Credit card			15,781.5				15,781.5				9,694.0				12,966.2				15,781.5
Retail business banking			29,945.0				29,945.0				21,595.3				27,746.1				29,945.0
Commercial vehicle and construction equipment finance			11,254.9				11,254.9				6,544.8				9,111.5				11,254.9
Housing loans			2,157.1				2,157.1				1,105.2				2,028.3				2,157.1
Other retail			29,523.6				29,523.6				20,441.5				26,114.0				29,523.6
Wholesale loans			38,153.7				38,153.7				20,233.2				35,483.3				38,153.7
Total		Rs.	140,422.5			Rs.	140,422.5			Rs.	85,783.0			Rs.	124,570.0			Rs.	140,422.5

		As of March 31, 2020
		Recorded investments				Unpaid principal balance				Related specific allowance				Average recorded investments				Finance receivable on non-accrual status
		(In millions)
Retail Loans
Auto loans		Rs.	15,279.2			Rs.	15,279.2			Rs.	7,814.5			Rs.	14,443.0			Rs.	15,279.2
Personal loans/Credit card			14,481.7				14,481.7				8,535.1				15,131.6				14,481.7
Retail business banking			32,866.3				32,866.3				21,687.4				31,405.7				32,866.3
Commercial vehicle and construction equipment finance			22,992.2				22,992.2				11,607.3				17,123.6				22,992.2
Housing loans			2,921.3				2,921.3				1,414.7				2,539.2				2,921.3
Other retail			33,462.8				33,462.8				24,116.5				31,493.2				33,462.8
Wholesale loans			35,423.4				35,423.4				26,426.4				36,788.6				35,423.4
Total		Rs.	157,426.9			Rs.	157,426.9			Rs.	101,601.9			Rs.	148,924.9			Rs.	157,426.9
Total		US$	2,088.1			US$	2,088.1			US$	1,347.7			US$	1,975.4			US$	2,088.1

Allowance for Credit Losses on Financing Receivables

Allowance for credit losses as of March 31, 2018 are as follows:

		As of March 31, 2018
		Specific																												Unallocated
		Retail
		Auto loans				Personal Loans/ Credit card				Retail business banking				Commercial vehicle and Construction equipment finance				Housing loans				Other retail				Wholesale				Retail				Wholesale				Total
		(In millions)
Allowance for credit losses,  beginning of the period		Rs.	2,792.9			Rs.	4,040.0			Rs.	15,278.4			Rs.	4,398.5			Rs.	739.3			Rs.	6,767.5			Rs.	11,713.5			Rs.	28,110.6			Rs.	4,656.2			Rs.	78,496.9
Write-offs			(6,826.4	)			(16,714.3	)			(5,730.0	)			(3,644.0	)			(61.5	)			(4,557.4	)			(444.7	)			—				—				(37,978.3	)
Net allowance for credit losses*			7,715.7				18,856.9				9,161.0				4,051.6				296.6				10,712.7				4,054.2				14,036.8				3,103.1				71,988.6
Allowance for credit losses, end of the period		Rs.	3,682.2			Rs.	6,182.6			Rs.	18,709.4			Rs.	4,806.1			Rs.	974.4			Rs.	12,922.8			Rs.	15,323.0			Rs.	42,147.4			Rs.	7,759.3			Rs.	112,507.2
Allowance for credit losses:
Allowance individually evaluated for impairment		Rs.	—			Rs.	—			Rs.	—			Rs.	—			Rs.	—			Rs.	—			Rs.	15,323.0			Rs.	—			Rs.	—			Rs.	15,323.0
Allowance collectively evaluated for impairment			3,682.2				6,182.6				18,709.4				4,806.1				974.4				12,922.8				—				42,147.4				7,759.3				97,184.2
Loans:
Loans individually evaluated for impairment			—				—				—				—				—				—				32,812.8				—				—				32,812.8
Loans collectively evaluated for impairment			8,634.5				10,150.9				25,547.2				6,968.1				1,899.5				22,704.3				—				5,137,460.1				2,130,001.6				7,343,366.2

* 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.

Allowances for credit losses as of March 31, 2019 are as follows:

		As of March 31, 2019
		Specific																												Unallocated
		Retail
		Auto loans				Personal Loans/ Credit card				Retail business banking				Commercial vehicle and Construction equipment finance				Housing loans				Other retail				Wholesale				Retail				Wholesale				Total
		(In millions)
Allowance for credit losses, beginning of the period		Rs.	3,682.2			Rs.	6,182.6			Rs.	18,709.4			Rs.	4,806.1			Rs.	974.4			Rs.	12,922.8			Rs.	15,323.0			Rs.	42,147.4			Rs.	7,759.3			Rs.	112,507.2
Write-offs			(9,155.3	)			(25,197.0	)			(6,665.5	)			(4,812.8	)			(93.3	)			(5,652.0	)			(1,755.7	)			—				—				(53,331.6	)
Net allowance for credit losses*			11,642.1				28,708.4				9,551.4				6,551.5				224.1				13,170.7				6,665.9				10,793.7				1,748.6				89,056.4
Allowance for credit losses, end of the period		Rs.	6,169.0			Rs.	9,694.0			Rs.	21,595.3			Rs.	6,544.8			Rs.	1,105.2			Rs.	20,441.5			Rs.	20,233.2			Rs.	52,941.1			Rs.	9,507.9			Rs.	148,232.0
Allowance for credit losses:
Allowance individually evaluated for impairment		Rs.	—			Rs.	—			Rs.	—			Rs.	—			Rs.	—			Rs.	—			Rs.	20,233.2			Rs.	—			Rs.	—			Rs.	20,233.2
Allowance collectively evaluated for impairment			6,169.0				9,694.0				21,595.3				6,544.8				1,105.2				20,441.5				—				52,941.1				9,507.9				127,998.8
Loans:
Loans individually evaluated for impairment			—				—				—				—				—				—				38,153.7				—				—				38,153.7
Loans collectively evaluated for impairment			13,606.7				15,781.5				29,945.0				11,254.9				2,157.1				29,523.6				—				6,135,634.8				2,835,407.3				9,073,310.9

* 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.

Allowances for credit losses as of March 31, 2020 are as follows:

		As of March 31, 2020
		Specific																												Unallocated
		Retail
		Auto loans				Personal Loans/ Credit card				Retail business banking				Commercial vehicle and Construction equipment finance				Housing loans				Other retail				Wholesale				Retail				Wholesale				Total				Total
		(In millions)
Allowance for credit losses, beginning of the period		Rs.	6,169.0			Rs.	9,694.0			Rs.	21,595.3			Rs.	6,544.8			Rs.	1,105.2			Rs.	20,441.5			Rs.	20,233.2			Rs.	52,941.1			Rs.	9,507.9			Rs.	148,232.0			US$	1,966.2
Write-offs			(11,524.3	)			(41,646.3	)			(9,379.0	)			(10,838.5	)			(130.3	)			(12,833.1	)			(6,328.1	)			—				—				(92,679.6	)			(1,229.3	)
Net allowance for credit losses*			13,169.8				40,487.4				9,471.1				15,901.0				439.8				16,508.1				12,521.3				31,088.3				3,694.0				143,280.8				1,900.5
Allowance for credit losses, end of the period		Rs.	7,814.5			Rs.	8,535.1			Rs.	21,687.4			Rs.	11,607.3			Rs.	1,414.7			Rs.	24,116.5			Rs.	26,426.4			Rs.	84,029.4			Rs.	13,201.9			Rs.	198,833.2			US$	2,637.4
Allowance for credit losses:
Allowance individually evaluated for impairment		Rs.	—			Rs.	—			Rs.	—			Rs.	—			Rs.	—			Rs.	—			Rs.	26,426.4			Rs.	—			Rs.	—			Rs.	26,426.4			US$	350.5
Allowance collectively evaluated for impairment			7,814.5				8,535.1				21,687.4				11,607.3				1,414.7				24,116.5				—				84,029.4				13,201.9				172,406.8				2,286.9
Loans:
Loans individually evaluated for impairment			—				—				—				—				—				—				35,423.4				—				—				35,423.4				469.9
Loans collectively evaluated for impairment			15,279.2				14,481.7				32,866.3				22,992.2				2,921.3				33,462.8				—				6,918,796.9				3,547,631.8				10,588,432.2				140,448.8

* 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.

Troubled Debt Restructurings Modifications

The following table summarizes the Bank’s TDR modifications during the fiscal year ended March 31, 2019 and March 31, 2020 presented by primary modification type and includes the financial effects of these modifications.

		Fiscal year ended March 31, 2019
		Carrying value				TDRs involving changes in the amount of principal payments (1)				TDRs involving changes in the amount of interest payments (2)				TDRs involving changes in the amount of both principal and interest payments				Balance of principal forgiven				Net P&L impact (3)
		(In millions)
Retail Loans:
Retail business banking		Rs.	17.9			Rs.	—			Rs.	17.9			Rs.	—			Rs.	—			Rs.	4.5
Commercial vehicle and construction equipment finance			—				—				—				—				—				—
Wholesale loans			—				—				—				—				—				—
Total (4)		Rs.	17.9			Rs.	—			Rs.	17.9			Rs.	—			Rs.	—			Rs.	4.5

(1) TDRs involving changes in the amount of principal payment may include principal forgiveness or deferral of periodic and/or final principal payments.

(2) TDRs involving changes in the amount of interest payments may involve a reduction in interest rate.

(3) Balances reflect charge-offs and/or allowance for credit losses and/or income not recognized/deferred.

(4) TDR modification during the year ended March 31, 2019 comprised of one case.

		Fiscal year ended March 31, 2020
		Carrying value				TDRs involving changes in the amount of principal payments (1)				TDRs involving changes in the amount of interest payments (2)				TDRs involving changes in the amount of both principal and interest payments				Balance of principal forgiven				Net P&L impact (3)
		(In millions)
Retail Loans:
Retail business banking		Rs.	964.1			Rs.	—			Rs.	964.1			Rs.	—			Rs.	—			Rs.	43.1
Commercial vehicle and construction equipment finance			—				—				—				—				—				—
Wholesale loans			—				—				—				—				—				—
Total (4)		Rs.	964.1			Rs.	—			Rs.	964.1			Rs.	—			Rs.	—			Rs.	43.1
Total (4)		US$	12.8			US$	—			US$	12.8			US$	—			US$	—			US$	0.6

(1) TDRs involving changes in the amount of principal payment may include principal forgiveness or deferral of periodic and/or final principal payments.

(2) TDRs involving changes in the amount of interest payments may involve a reduction in interest rate.

(3) Balances reflect charge-offs and/or allowance for credit losses and/or income not recognized/deferred.

(4) TDR modification during the year ended March 31, 2020 comprised of 13 cases.

The table below summarizes TDRs that have defaulted in the current period within 12 months of their modification date. The defaulted TDRs are based on a payment default definition of 90 days past due.

		As of March 31, 2020
		recorded investments
		(In millions)
Retail loans:
Retail business banking		Rs.	17.9
Commercial vehicle and construction equipment finance			—
Wholesale loans			—
Total		Rs.	17.9
Total		US$	0.2

Interest on loans by facility are as follows:

		Fiscal year ended March 31,
		2018				2019				2020				2020
		(In millions)
Wholesale loans		Rs.	152,124.6			Rs.	199,928.0			Rs.	245,504.7			US$	3,256.5
Retail loans			515,334.1				627,755.0				736,290.1				9,766.4
Total		Rs.	667,458.7			Rs.	827,683.0			Rs.	981,794.8			US$	13,022.9

Retail Loans

Financing Receivable Credit Quality Indicators

Retail Loans

Credit quality indicator based on payment activity as of March 31, 2019 and as of March 31, 2020 is given below:

		As of March 31, 2019
		Auto loans				Personal loans/ Credit card				Retail business banking				Commercial vehicle and Construction equipment finance				Housing loans				Other retail				Total
		(In millions)
Performing		Rs.	938,137.5			Rs.	1,522,325.9			Rs.	1,448,372.8			Rs.	735,033.1			Rs.	511,614.5			Rs.	980,151.0			Rs.	6,135,634.8
Impaired			13,606.7				15,781.5				29,945.0				11,254.9				2,157.1				29,523.6				102,268.8
Total		Rs.	951,744.2			Rs.	1,538,107.4			Rs.	1,478,317.8			Rs.	746,288.0			Rs.	513,771.6			Rs.	1,009,674.6			Rs.	6,237,903.6
		As of March 31, 2020
		Auto loans				Personal loans/ Credit card				Retail business banking				Commercial vehicle and Construction equipment finance				Housing loans				Other retail				Total
		(In millions)
Performing		Rs.	936,773.9			Rs.	1,906,119.9			Rs.	1,625,904.0			Rs.	724,390.2			Rs.	631,691.1			Rs.	1,093,917.8			Rs.	6,918,796.9
Impaired			15,279.2				14,481.7				32,866.3				22,992.2				2,921.3				33,462.8				122,003.5
Total		Rs.	952,053.1			Rs.	1,920,601.6			Rs.	1,658,770.3			Rs.	747,382.4			Rs.	634,612.4			Rs.	1,127,380.6			Rs.	7,040,800.4
Total		US$	12,628.4			US$	25,475.5			US$	22,002.5			US$	9,913.5			US$	8,417.7			US$	14,954.0			US$	93,391.6

Wholesale loans

Financing Receivable Credit Quality Indicators

Wholesale Loans

The Bank has in place a process of grading each borrower according to its financial health and the performance of its business and each borrower is graded as pass/labeled/impaired. Wholesale loans that are not impaired are disclosed as pass or labeled and considered to be performing. Labeled loans are those with evidence of weakness where such exposures indicate deteriorating trends which if not corrected could adversely impact repayment of the obligations. The Bank’s model assesses the overall risk over four major categories – industry risk, business risk, management risk and financial risk. The inputs in each of the categories are combined to provide an aggregate numerical rating, which is a function of the aggregate weighted scores based on the assessment under each of these four risk categories.

		As of March 31,
		2019				2020				2020
		(In millions)
Credit quality indicators-Internally assigned grade and payment activity
Pass		Rs.	2,834,466.7			Rs.	3,524,290.5			US$	46,747.5
Labeled			940.6				23,341.3				309.6
Impaired			38,153.7				35,423.4				469.9
Total		Rs.	2,873,561.0			Rs.	3,583,055.2			US$	47,527.0

Receivable By Industry

Impaired Financing Receivables

Impaired loans by industry as of March 31, 2019 and March 31, 2020 are as follows:

		As of March 31, 2019
		(In millions)
Gross impaired loans by industry:
—Consumer Loans		Rs.	22,513.7
—Agriculture Production—Food			18,915.0
—Wholesale Trade- Non Industrial			15,856.7
—Food and Beverage			8,577.3
—Retail Trade			7,767.0
—Others (none greater than 5% of impaired loans)			66,792.8
Total		Rs.	140,422.5

		As of March 31, 2020
		(In millions)
Gross impaired loans by industry:
—Agri Production—Food		Rs.	22,546.3			US$	299.1
—Consumer Loans			21,718.9				288.1
—Road Transportation			13,067.6				173.3
—Retail Trade			8,823.1				117.0
—Food and Beverage			8,137.5				107.9
—Others (none greater than 5% of impaired loans)			83,133.5				1,102.7
Total		Rs.	157,426.9			US$	2,088.1

Summary information relating to impaired loans during the fiscal year ended March 31, 2018, March 31, 2019 and March 31, 2020 is as follows:

		Fiscal year ended March 31,
		2018				2019				2020				2020
		(In millions)
Average impaired loans, net of allowance		Rs.	41,683.2			Rs.	50,378.2			Rs.	55,232.3			US$	732.6
Interest income recognized on impaired loans		Rs.	7,433.7			Rs.	6,994.7			Rs.	10,160.5			US$	134.8

X

- Definition

Tabular disclosure of the aggregate amount of receivables payment due for the five years following the date of the latest balance sheet and the combined aggregate amount of maturities of known receivables obligations.

+ References

No definition available.

+ Details

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- Definition

Tabular disclosure of allowance for credit loss on financing receivable.

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- Definition

Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

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- Definition

Tabular disclosure of impaired financing receivables.

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- Definition

Tabular disclosure of aging analysis for financing receivable.

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- Definition

Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.

+ References

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-Paragraph 1
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- Definition

Tabular disclosure of financing receivable modified as troubled debt restructuring.

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