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Sales/transfer of receivables (Tables)

12 Months Ended

Mar. 31, 2020

Cash Flows Received From Customers And Paid To Securitization Special Purpose Entities Transferees

The following table summarizes the cash flows received during the years ended March 31, 2018, March 31, 2019 and March 31, 2020 from customers and paid to SPEs/transferees on securitized/ transferred performing loans:

		Fiscal year ended March 31,
		2018				2019				2020				2020
		(In millions)
Cash flow information
Collections against securitized receivables/transfers		Rs.	303.9			Rs.	233.5			Rs.	142.9			US$	1.9
Payments made			301.8				237.7				139.3				1.8
Cash flows on retained interests		Rs.	3.8			Rs.	2.1			Rs.	6.1			US$	0.1

Key Disclosures of Transferred Financial Assets with Continuing Involvement

Other key disclosures are as follows:

		As of March 31,
		2019				2020				2020
		(In millions)
Transferred receivables with continuing involvement		Rs.	398.4			Rs.	301.1			US$	4.0
Delinquencies			253.8				262.0				3.5
Credit losses			242.0				256.4				3.4
Retained interest in sold receivables			15.9				12.1				0.2

Schedule of Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets, or Servicing Liabilities

The table below outlines the economic assumptions and the sensitivity of the estimated fair value of retained interests in finance receivables as of March 31, 2019 and March 31, 2020 to immediate 10% and 20% changes in those assumptions:

		As of March 31,
		2019				2020				2020
		(In millions)
Fair value of retained interests
Annual prepayment rate:
Impact of 10% adverse change		Rs.	1.7			Rs.	1.3			US$	—
Impact of 20% adverse change			3.3				2.5				—
Expected credit losses:
Impact of 10% adverse change			2.3				1.8				—
Impact of 20% adverse change			4.5				3.6				—

X

- Definition

Tabular disclosure of cash flows received from customers and paid to SPE's/ transferees for sales of performing loans during the period.

+ References

No definition available.

+ Details

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X

- Definition

Tabular disclosure of transferred financial assets that continue to be recognized and other financial assets that it manages together with them. Includes, but is not limited to, delinquencies and credit losses, after recoveries.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 860
-SubTopic 20
-Section 50
-Paragraph 4
-Subparagraph (e)
-URI http://asc.fasb.org/extlink&oid=121570589&loc=d3e107314-111719

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X

- Definition

Tabular disclosure of a sensitivity analysis or stress test showing the hypothetical effect on the fair value of the transferor's interests in transferred financial assets (including any servicing assets or servicing liabilities) of two or more unfavorable variations from the expected levels for each key assumption that is reported, independently determined from any change in another key assumption, and a description of the objectives, methodology, and limitations of the sensitivity analysis or stress test.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 860
-SubTopic 20
-Section 50
-Paragraph 4
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=121570589&loc=d3e107314-111719

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