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Commitments and contingencies (Tables)

12 Months Ended

Mar. 31, 2020

Summary Of Operating Lease Right Of Use Asset And Lease Liability

The Bank is party to operating leases for certain of its office premises and employee residences, with a renewal at the option of the Bank.

Operating lease right-of-use assets and lease liabilities were as follows:

		As of March 31,
		2020				2020
		(In millions)
Right-of-use assets		Rs.	60,756.9			US$	805.9
Lease liabilities			65,615.1				870.3

Operating Leases of Lessee Disclosure

The total lease expenses are as follows:

		As of March 31,
		2018				2019				2020				2020
		(In millions)
The total minimum lease expense during the year recognized in the consolidated statement of income		Rs.	12,311.3			Rs.	12,700.8			Rs.	13,698.7			US$	181.7

The total operating cash flow for operating lease expenses during the year ended March 31, 2020 was Rs. 11,692.3 million (US$ 155.1 million).

Schedule of Future Minimum Rental Payments for Operating Leases

The future minimum lease payments prior to adoption of ASU 2016-02- Leases as of March 31, 2019 were as follows:

Year ending March 31,		Operating leases
		(In millions)
2020		Rs.	10,538.6
2021			9,921.4
2022			9,100.7
2023			8,137.3
2024			7,104.2
Thereafter			41,090.6
Total		Rs.	85,892.8

The future minimum lease payments subsequent to adoption of ASU 2016-02- Leases as of March 31, 2020 were as follows:

Due in fiscal year ending March 31:		Operating leases
		(In millions, except for weighted averages)
2021		Rs.	11,411.4			US$	151.4
2022			10,617.5				140.8
2023			9,808.5				130.1
2024			8,839.5				117.3
2025			8,227.8				109.1
Thereafter			48,321.0				640.9
Total lease payments		Rs.	97,225.7			US$	1,289.6
Less: imputed interest			31,610.6				419.3
Total operating lease liabilities		Rs.	65,615.1			US$	870.3
Weighted average remaining lease term (in years)			10.3				10.3
Weighted average discount rate			7.4	%			7.4	%

Movement in Provision for Reward Points

The movement in provision for credit card and debit card reward points as of March 31, 2019 and March 31, 2020 is as follows:

		As of March 31,
		2019				2020				2020
		(In millions)
Opening provision of reward points		Rs.	4,711.2			Rs.	6,030.9			US$	80.0
Provision made during the year			3,747.3				5,356.0				71.0
Utilization/write back of provision			(2,555.9	)			(3,868.8	)			(51.3	)
Effect of change in rate of accrual of reward points			91.5				(176.6	)			(2.3	)
Effect of change in cost of reward points			36.8				—				—
Closing provision of reward points		Rs.	6,030.9			Rs.	7,341.5			US$	97.4

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