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Summary of significant accounting policies (Tables) | 12 Months Ended
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Mar. 31, 2021
Schedule of Composite depreciation rate | Depreciation is provided over the estimated useful lives of property and equipment on a straight-line basis at the following rates:
Type of Asset |  | Rate of depreciation
Premises |  | 1.63%
Software and systems |  | 20.00%
Equipment and furniture |  | 10.00%-33.33%
Schedule of Allowances for credit losses on adopting ASC 326 | The following table illustrates the impact on allowances for credit losses on adopting ASC 326.
|  | As of April 1, 2020 |
|  | As reported under ASC 326 |  |  | Pre-ASC 326 adoption |  |  | Impact of ASC 326 adoption |
|  | (In millions) |
Loans: |  |  |  |  |  |  |  |  |  |  |  |
Auto loans |  | Rs. | 29,099.9 |  |  | Rs. | 19,219.0 |  |  | Rs. | 9,880.9 |
Personal loans/Credit cards |  |  | 85,188.2 |  |  |  | 47,097.1 |  |  |  | 38,091.1 |
Retail business banking |  |  | 36,807.8 |  |  |  | 32,860.3 |  |  |  | 3,947.5 |
Commercial vehicle and construction equipment finance |  |  | 20,788.9 |  |  |  | 20,463.4 |  |  |  | 325.5 |
Housing loans |  |  | 3,360.2 |  |  |  | 1,700.7 |  |  |  | 1,659.5 |
Other retail loans |  |  | 38,098.6 |  |  |  | 37,864.3 |  |  |  | 234.3 |
Wholesale loans |  |  | 66,502.6 |  |  |  | 39,628.4 |  |  |  | 26,874.2 |
Allowance for Credit Losses on Loans |  | Rs. | 279,846.2 |  |  | Rs. | 198,833.2 |  |  | Rs. | 81,013.0 |
Allowance for Credit Losses on AFS debt securities |  |  | — |  |  |  | — |  |  |  | — |
Accrued expenses and other liabilities: |  |  |  |  |  |  |  |  |  |  |  |
Allowance for Credit Losses on Off-Balance Sheet Credit Exposures and undrawn commitments |  | Rs. | 5,523.4 |  |  | Rs. | 3,226.8 |  |  | Rs. | 2,296.6 |
Allowance for Credit Losses Other |  |  | 186.8 |  |  |  | — |  |  |  | 186.8 |
Tota l |  | Rs. | 285,556.4 |  |  | Rs. | 202,060.0 |  |  | Rs. | 83,496.4 |

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