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CONSOLIDATED STATEMENTS OF CASH FLOWS
₨ in Millions, $ in Millions
 12 Months Ended
Mar. 31, 2020
INR (₨)
Mar. 31, 2020
USD ($)
Mar. 31, 2019
INR (₨)
Mar. 31, 2018
INR (₨)
Cash flows from operating activities:        
Net income before noncontrolling interest ₨ 260,364.0 $ 3,453.7 ₨ 220,565.5 ₨ 178,833.9
Adjustment to reconcile net income to net cash provided by operating activities        
Provision for credit losses 117,621.9 1,560.2 72,279.3 59,397.8
Depreciation and amortization 12,800.3 169.8 12,247.8 9,678.9
Amortization of intangible assets 0.0 0.0 1.0 1.0
Amortization of deferred customer acquisition costs and fees 11,673.2 154.8 10,423.1 9,246.2
Amortization of premium (discount) on investments 5,196.8 68.9 4,532.1 3,599.4
Other than temporary impairment losses on available for sale debt securities 9,109.0 120.8 1,081.0 149.1
Deferred tax expense/(benefit) (101.2) (1.3) (8,129.4) (10,403.5)
Other gains, net 133.7 1.8 (6,717.5) 0.0
Share-based compensation expense 7,476.1 99.2 5,343.3 6,594.6
Net realized (gain) loss on sale of available for sale debt securities (25,826.2) (342.6) (2,596.0) (10,853.2)
(Gain) loss on disposal of property and equipment, net 81.9 1.1 (64.8) (64.5)
Unrealized exchange (gain) loss 3,312.5 43.9 574.6 1,719.5
Net change in:        
Investments held for trading (227,480.4) (3,017.4) (96,555.7) (131,816.3)
Accrued interest receivable (9,752.6) (129.4) (15,060.3) (10,527.8)
Other assets (140,959.9) (1,869.7) (112,726.3) 90,525.6
Accrued interest payable 563.7 7.5 13,775.0 20,997.1
Accrued expense and other liabilities 146,966.9 1,949.4 84,299.5 (122,803.6)
Net cash provided by operating activities 171,179.7 2,270.7 183,272.2 94,274.2
Cash flows from investing activities:        
Term placements, net 6,055.7 80.3 24,447.4 (8,806.4)
Activity in available for sale debt securities:        
Purchases (2,608,516.6) (34,600.3) (1,781,754.9) (1,518,100.1)
Proceeds from sales 1,214,082.0 16,104.0 453,778.9 197,206.3
Maturities, prepayments and calls 653,889.0 8,673.4 937,072.0 1,171,299.5
Net change in repurchase agreements and reverse repurchase agreements 160,195.5 2,124.9 609,805.1 (462,018.6)
Loans purchased (252,738.1) (3,352.3) (240,356.2) (55,216.0)
Repayments on loans purchased 122,821.6 1,629.1 89,713.3 76,993.2
Increase in loans originated, net of principal collections (1,428,007.7) (18,941.6) (1,610,724.3) (1,440,601.9)
Additions to property and equipment (18,294.3) (242.7) (16,355.0) (9,181.5)
Proceeds from sale or disposal of property and equipment 182.4 2.4 212.3 95.1
Activity in equity securities, net (157.9) (2.1) (2,821.4) 4.7
Net cash used in investing activities (2,150,488.4) (28,524.9) (1,536,982.8) (2,048,325.7)
Cash flows from financing activities:        
Net increase in deposits 2,213,972.5 29,366.9 1,331,850.9 1,447,097.0
Net increase (decrease) in short-term borrowings (277,587.3) (3,682.0) (127,707.1) 456,558.6
Purchase of subsidiary shares from noncontrolling interest 0.0 0.0 0.0 (143.3)
Proceeds from issue of shares by a subsidiary to noncontrolling interests 466.8 6.2 459.8 366.5
Proceeds from issuance of long-term debt 272,104.7 3,609.3 320,093.6 425,517.1
Repayment of long-term debt (315,209.6) (4,181.1) (224,084.5) (225,150.2)
Proceeds from issuance of equity shares for options exercised 18,486.8 245.2 22,008.2 27,259.1
Proceeds from issuance of equity shares (net of issuance cost) 235,896.2 0.0
Payment of dividends and dividend tax (66,447.3) (881.4) (41,015.2) (34,490.3)
Net cash provided by financing activities 1,845,786.6 24,483.1 1,517,501.9 2,097,014.5
Effect of exchange rate changes on cash and due from banks, and restricted cash 10,610.5 140.8 (3,069.7) 479.4
Net change in cash and due from banks, and restricted cash (122,911.6) (1,630.3) 160,721.6 143,442.4
Cash and due from banks, and restricted cash, beginning of year 734,872.6 9,747.6 574,151.0 430,708.6
Cash and due from banks, and restricted cash, end of year 611,961.0 8,117.3 734,872.6 574,151.0
Supplementary cash flow information:        
Interest paid 617,749.1 8,194.0 520,351.2 399,287.9
Income taxes paid, net of refunds 104,013.4 1,379.7 119,365.0 100,089.3
Non-cash investment activities        
Payable for purchase of property and equipment 1,232.7 16.4 1,323.7 1,064.5
Trade date sale receivable of available for sale debt securities ₨ 32,730.8 $ 434.2 ₨ 0.0 ₨ 0.0