XML 104 R92.htm IDEA: XBRL DOCUMENT v3.20.2
Allowance for Credit Losses (Detail)
₨ in Millions, $ in Millions
12 Months Ended
Mar. 31, 2020
INR (₨)
Mar. 31, 2020
USD ($)
Mar. 31, 2019
INR (₨)
Mar. 31, 2018
INR (₨)
Mar. 31, 2020
USD ($)
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period ₨ 148,232.0 $ 1,966.2 ₨ 112,507.2 ₨ 78,496.9  
Write-offs (92,679.6) (1,229.3) (53,331.6) (37,978.3)  
Net allowance for credit losses 143,280.8 [1] 1,900.5 [1] 89,056.4 [2] 71,988.6 [3]  
Allowance for credit losses, end of the period 198,833.2 $ 2,637.4 148,232.0 112,507.2  
Allowance for credit losses:          
Allowance individually evaluated for impairment 26,426.4   20,233.2 15,323.0 $ 350.5
Allowance collectively evaluated for impairment 172,406.8   127,998.8 97,184.2 2,286.9
Loans:          
Loans individually evaluated for impairment 35,423.4   38,153.7 32,812.8 469.9
Loans collectively evaluated for impairment 10,588,432.2   9,073,310.9 7,343,366.2 $ 140,448.8
Specific allowance for credit losses | Retail Loans | Auto loans          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period 6,169.0   3,682.2 2,792.9  
Write-offs (11,524.3)   (9,155.3) (6,826.4)  
Net allowance for credit losses 13,169.8 [1]   11,642.1 [2] 7,715.7 [3]  
Allowance for credit losses, end of the period 7,814.5   6,169.0 3,682.2  
Allowance for credit losses:          
Allowance individually evaluated for impairment 0.0   0.0 0.0  
Allowance collectively evaluated for impairment 7,814.5   6,169.0 3,682.2  
Loans:          
Loans individually evaluated for impairment 0.0   0.0 0.0  
Loans collectively evaluated for impairment 15,279.2   13,606.7 8,634.5  
Specific allowance for credit losses | Retail Loans | Personal loans/Credit card          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period 9,694.0   6,182.6 4,040.0  
Write-offs (41,646.3)   (25,197.0) (16,714.3)  
Net allowance for credit losses 40,487.4 [1]   28,708.4 [2] 18,856.9 [3]  
Allowance for credit losses, end of the period 8,535.1   9,694.0 6,182.6  
Allowance for credit losses:          
Allowance individually evaluated for impairment 0.0   0.0 0.0  
Allowance collectively evaluated for impairment 8,535.1   9,694.0 6,182.6  
Loans:          
Loans individually evaluated for impairment 0.0   0.0 0.0  
Loans collectively evaluated for impairment 14,481.7   15,781.5 10,150.9  
Specific allowance for credit losses | Retail Loans | Retail Business Banking          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period 21,595.3   18,709.4 15,278.4  
Write-offs (9,379.0)   (6,665.5) (5,730.0)  
Net allowance for credit losses 9,471.1 [1]   9,551.4 [2] 9,161.0 [3]  
Allowance for credit losses, end of the period 21,687.4   21,595.3 18,709.4  
Allowance for credit losses:          
Allowance individually evaluated for impairment 0.0   0.0 0.0  
Allowance collectively evaluated for impairment 21,687.4   21,595.3 18,709.4  
Loans:          
Loans individually evaluated for impairment 0.0   0.0 0.0  
Loans collectively evaluated for impairment 32,866.3   29,945.0 25,547.2  
Specific allowance for credit losses | Retail Loans | Commercial vehicle and construction equipment finance          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period 6,544.8   4,806.1 4,398.5  
Write-offs (10,838.5)   (4,812.8) (3,644.0)  
Net allowance for credit losses 15,901.0 [1]   6,551.5 [2] 4,051.6 [3]  
Allowance for credit losses, end of the period 11,607.3   6,544.8 4,806.1  
Allowance for credit losses:          
Allowance individually evaluated for impairment 0.0   0.0 0.0  
Allowance collectively evaluated for impairment 11,607.3   6,544.8 4,806.1  
Loans:          
Loans individually evaluated for impairment 0.0   0.0 0.0  
Loans collectively evaluated for impairment 22,992.2   11,254.9 6,968.1  
Specific allowance for credit losses | Retail Loans | Housing loans          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period 1,105.2   974.4 739.3  
Write-offs (130.3)   (93.3) (61.5)  
Net allowance for credit losses 439.8 [1]   224.1 [2] 296.6 [3]  
Allowance for credit losses, end of the period 1,414.7   1,105.2 974.4  
Allowance for credit losses:          
Allowance individually evaluated for impairment 0.0   0.0 0.0  
Allowance collectively evaluated for impairment 1,414.7   1,105.2 974.4  
Loans:          
Loans individually evaluated for impairment 0.0   0.0 0.0  
Loans collectively evaluated for impairment 2,921.3   2,157.1 1,899.5  
Specific allowance for credit losses | Retail Loans | Other Retail          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period 20,441.5   12,922.8 6,767.5  
Write-offs (12,833.1)   (5,652.0) (4,557.4)  
Net allowance for credit losses 16,508.1 [1]   13,170.7 [2] 10,712.7 [3]  
Allowance for credit losses, end of the period 24,116.5   20,441.5 12,922.8  
Allowance for credit losses:          
Allowance individually evaluated for impairment 0.0   0.0 0.0  
Allowance collectively evaluated for impairment 24,116.5   20,441.5 12,922.8  
Loans:          
Loans individually evaluated for impairment 0.0   0.0 0.0  
Loans collectively evaluated for impairment 33,462.8   29,523.6 22,704.3  
Specific allowance for credit losses | Wholesale loans          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period 20,233.2   15,323.0 11,713.5  
Write-offs (6,328.1)   (1,755.7) (444.7)  
Net allowance for credit losses 12,521.3 [1]   6,665.9 [2] 4,054.2 [3]  
Allowance for credit losses, end of the period 26,426.4   20,233.2 15,323.0  
Allowance for credit losses:          
Allowance individually evaluated for impairment 26,426.4   20,233.2 15,323.0  
Allowance collectively evaluated for impairment 0.0   0.0 0.0  
Loans:          
Loans individually evaluated for impairment 35,423.4   38,153.7 32,812.8  
Loans collectively evaluated for impairment 0.0   0.0 0.0  
Unallocated allowance for credit losses | Retail Loans          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period 52,941.1   42,147.4 28,110.6  
Write-offs 0.0   0.0 0.0  
Net allowance for credit losses 31,088.3 [1]   10,793.7 [2] 14,036.8 [3]  
Allowance for credit losses, end of the period 84,029.4   52,941.1 42,147.4  
Allowance for credit losses:          
Allowance individually evaluated for impairment 0.0   0.0 0.0  
Allowance collectively evaluated for impairment 84,029.4   52,941.1 42,147.4  
Loans:          
Loans individually evaluated for impairment 0.0   0.0 0.0  
Loans collectively evaluated for impairment 6,918,796.9   6,135,634.8 5,137,460.1  
Unallocated allowance for credit losses | Wholesale loans          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period 9,507.9   7,759.3 4,656.2  
Write-offs 0.0   0.0 0.0  
Net allowance for credit losses 3,694.0 [1]   1,748.6 [2] 3,103.1 [3]  
Allowance for credit losses, end of the period 13,201.9   9,507.9 7,759.3  
Allowance for credit losses:          
Allowance individually evaluated for impairment 0.0   0.0 0.0  
Allowance collectively evaluated for impairment 13,201.9   9,507.9 7,759.3  
Loans:          
Loans individually evaluated for impairment 0.0   0.0 0.0  
Loans collectively evaluated for impairment ₨ 3,547,631.8   ₨ 2,835,407.3 ₨ 2,130,001.6  
[1] 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.
[2] 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.
[3] 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.