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Loans (Tables)

12 Months Ended

Mar. 31, 2021

Loans by Facility

Loans by facility as of March 31, 2020 and March 31, 2021 were as follows:

		As of March 31,
		2020				2021				2021
		(In millions)
Retail loans:
Auto loans		Rs.	952,053.1			Rs.	964,053.2			US$	13,180.9
Personal loans/Credit cards			1,920,601.6				2,042,727.2				27,929.0
Retail business banking			1,658,770.3				2,007,845.9				27,452.1
Commercial vehicle and construction equipment finance			747,382.4				805,329.8				11,010.8
Housing loans			634,612.4				702,235.5				9,601.3
Other retail loans			1,127,380.6				1,306,641.0				17,864.9
Subtotal		Rs.	7,040,800.4			Rs.	7,828,832.6			US$	107,039.0
Wholesale loans		Rs.	3,583,055.2			Rs.	4,214,885.3			US$	57,627.7
Gross loans			10,623,855.6				12,043,717.9				164,666.7
Less: Allowance for credit losses			198,833.2				343,528.7				4,696.9
Total		Rs.	10,425,022.4			Rs.	11,700,189.2			US$	159,969.8

Financing Receivable, by Maturity

The maturity of gross loans as of March 31, 2021 is set out below:

		As of March 31, 2021
		Wholesale loans				Retail loans				Total
		(In millions)
Maturity profile of loans:
Within one year		Rs.	1,877,821.3			Rs.	2,235,330.0			Rs.	4,113,151.3
Over one year through five years			1,475,971.2				4,955,833.2				6,431,804.4
Over five years			861,092.8				637,669.4				1,498,762.2
Total		Rs.	4,214,885.3			Rs.	7,828,832.6			Rs.	12,043,717.9
Total		US$	57,627.7			US$	107,039.0			US$	164,666.7

Past Due Financing Receivables

The following table provides details of age analysis of loans and finance receivable on non-accrual status as of March 31, 2020 and March 31, 2021.

		As of March 31, 2020
		31-90 days past due				Non-accrual/ 91 days or more past due				Current 1,2				Total				Finance receivable on non-accrual status
		(In millions)
Retail Loans
Auto loans		Rs.	4,049.3			Rs.	15,279.2			Rs.	932,724.6			Rs.	952,053.1			Rs.	15,279.2
Personal loans/Credit card			16,819.3				14,481.7				1,889,300.6				1,920,601.6				14,481.7
Retail business banking			15,210.9				32,866.3				1,610,693.1				1,658,770.3				32,866.3
Commercial vehicle and construction equipment finance			17,679.2				22,992.2				706,711.0				747,382.4				22,992.2
Housing loans			3,330.9				2,921.3				628,360.2				634,612.4				2,921.3
Other retail			13,038.1				33,462.8				1,080,879.7				1,127,380.6				33,462.8
Wholesale loans			5,126.9				35,423.4				3,542,504.9				3,583,055.2				35,423.4
Total		Rs.	75,254.6			Rs.	157,426.9			Rs.	10,391,174.1			Rs.	10,623,855.6			Rs.	157,426.9

1 Loans up to 30 days past due are considered current

2 Includes crop related agricultural loans with days past due less than 366 as they are not considered as non-performing Rs. 34.0 billion.

		As of March 31, 2021
		31-90 days past due				Non-accrual/ 91 days or more past due				Current 1,2				Total				Finance receivable on non-accrual status
		(In millions)
Retail Loans
Auto loans		Rs.	8,523.6			Rs.	28,476.3			Rs.	927,053.3			Rs.	964,053.2			Rs.	28,476.3
Personal loans/Credit card			25,026.7				37,026.1				1,980,674.4				2,042,727.2				37,026.1
Retail business banking			19,239.0				31,328.9				1,957,278.0				2,007,845.9				31,328.9
Commercial vehicle and construction equipment finance			16,946.0				32,015.3				756,368.5				805,329.8				32,015.3
Housing loans			4,530.8				5,171.9				692,532.8				702,235.5				5,171.9
Other retail			18,535.0				39,584.4				1,248,521.6				1,306,641.0				39,584.4
Wholesale loans			6,277.0				40,179.5				4,168,428.8				4,214,885.3				40,179.5
Total		Rs.	99,078.1			Rs.	213,782.4			Rs.	11,730,857.4			Rs.	12,043,717.9			Rs.	213,782.4
Total		US$	1,354.6			US$	2,923.0			US$	160,389.1			US$	164,666.7			US$	2,923.0

1 Loans up to 30 days past due are considered current

2 Includes crop related agricultural loans with days past due less than 366 as they are not considered as non-performing Rs. 33.6 billion.

Allowance for Credit Losses on Financing Receivables

Allowance for credit losses as of March 31, 2019 are as follows:

		As of March 31, 2019
		Specific																												Unallocated
		Retail
		Auto loans				Personal Loans/ Credit card				Retail business banking				Commercial vehicle and Construction equipment finance				Housing loans				Other retail				Wholesale				Retail				Wholesale				Total
		(In millions)
Allowance for credit losses, beginning of the period		Rs.	3,682.2			Rs.	6,182.6			Rs.	18,709.4			Rs.	4,806.1			Rs.	974.4			Rs.	12,922.8			Rs.	15,323.0			Rs.	42,147.4			Rs.	7,759.3			Rs.	112,507.2
Write-offs			(9,155.3	)			(25,197.0	)			(6,665.5	)			(4,812.8	)			(93.3	)			(5,652.0	)			(1,755.7	)			—				—				(53,331.6	)
Net allowance for credit losses*			11,642.1				28,708.4				9,551.4				6,551.5				224.1				13,170.7				6,665.9				10,793.7				1,748.6				89,056.4
Allowance for credit losses, end of the period		Rs.	6,169.0			Rs.	9,694.0			Rs.	21,595.3			Rs.	6,544.8			Rs.	1,105.2			Rs.	20,441.5			Rs.	20,233.2			Rs.	52,941.1			Rs.	9,507.9			Rs.	148,232.0
Allowance for credit losses:
Allowance individually evaluated for impairment		Rs.	—			Rs.	—			Rs.	—			Rs.	—			Rs.	—			Rs.	—			Rs.	20,233.2				Rs. —				Rs. —			Rs.	20,233.2
Allowance collectively evaluated for impairment			6,169.0				9,694.0				21,595.3				6,544.8				1,105.2				20,441.5				—				52,941.1				9,507.9				127,998.8
Loans:
Loans individually evaluated for impairment			—				—				—				—				—				—				38,153.7				—				—				38,153.7
Loans collectively evaluated for impairment			13,606.7				15,781.5				29,945.0				11,254.9				2,157.1				29,523.6				—				6,135,634.8				2,835,407.3				9,073,310.9

* 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.

Allowance for credit losses as of March 31, 2020 are as follows:

		As of March 31, 2020
		Specific																												Unallocated
		Retail
		Auto loans				Personal Loans/ Credit card				Retail business banking				Commercial vehicle and Construction equipment finance				Housing loans				Other retail				Wholesale				Retail				Wholesale				Total
		(In millions)
Allowance for credit losses, beginning of the period		Rs.	6,169.0			Rs.	9,694.0			Rs.	21,595.3			Rs.	6,544.8			Rs.	1,105.2			Rs.	20,441.5			Rs.	20,233.2			Rs.	52,941.1			Rs.	9,507.9			Rs.	148,232.0
Write-offs			(11,524.3	)			(41,646.3	)			(9,379.0	)			(10,838.5	)			(130.3	)			(12,833.1	)			(6,328.1	)			—				—				(92,679.6	)
Net allowance for credit losses*			13,169.8				40,487.4				9,471.1				15,901.0				439.8				16,508.1				12,521.3				31,088.3				3,694.0				143,280.8
Allowance for credit losses, end of the period		Rs.	7,814.5			Rs.	8,535.1			Rs.	21,687.4			Rs.	11,607.3			Rs.	1,414.7			Rs.	24,116.5			Rs.	26,426.4			Rs.	84,029.4			Rs.	13,201.9			Rs.	198,833.2
Allowance for credit losses:
Allowance individually evaluated for impairment		Rs.	—			Rs.	—			Rs.	—			Rs.	—			Rs.	—			Rs.	—			Rs.	26,426.4				Rs.—				Rs.—			Rs.	26,426.4
Allowance collectively evaluated for impairment			7,814.5				8,535.1				21,687.4				11,607.3				1,414.7				24,116.5				—				84,029.4				13,201.9				172,406.8
Loans:
Loans individually evaluated for impairment			—				—				—				—				—				—				35,423.4				—				—				35,423.4
Loans collectively evaluated for impairment			15,279.2				14,481.7				32,866.3				22,992.2				2,921.3				33,462.8				—				6,918,796.9				3,547,631.8				10,588,432.2

* Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 25,658.9 million. Recoveries from retail loans is Rs. 22,548.7 million and from wholesale loans is Rs. 3,110.2 million.

The Bank adopted the CECL accounting guidance on April 1, 2020. Allowances for credit losses as of March 31, 2021 are as follows:

		As at March 31, 2021
		Auto loans				Personal Loans/ Credit card				Retail business banking				Commercial vehicle and Construction equipment finance				Housing loans				Other retail				Wholesale				Total				Total
		(In millions)
Allowance for credit losses, beginning of the period		Rs.	19,219.0			Rs.	47,097.1			Rs.	32,860.3			Rs.	20,463.4			Rs.	1,700.7			Rs.	37,864.3			Rs.	39,628.4			Rs.	198,833.2			US$	2,718.7
Impact of Adopting ASC 326			9,880.9				38,091.1				3,947.5				325.5				1,659.5				234.3				26,874.2				81,013.0				1,107.6
Write-offs			(13,263.5	)			(61,571.8	)			(14,951.6	)			(15,921.5	)			(190.8	)			(9,942.8	)			(3,628.7	)			(119,470.7	)			(1,633.5	)
Net allowance for credit losses*			23,559.7				86,464.6				20,432.2				21,489.3				1,408.6				21,073.4				8,725.4				183,153.2				2,504.1
Allowance for credit losses, end of the period		Rs.	39,396.1			Rs.	110,081.0			Rs.	42,288.4			Rs.	26,356.7			Rs.	4,578.0			Rs.	49,229.2			Rs.	71,599.3			Rs.	343,528.7			US$	4,696.9
Allowance for credit losses:
Individually evaluated Allowance		Rs.	34.7			Rs.	4.0			Rs.	3,540.7			Rs.	59.6			Rs.	—			Rs.	72.1			Rs.	33,222.5			Rs.	36,933.6			US$	505.0
Collectively evaluated Allowance			39,361.4				110,077.0				38,747.7				26,297.1				4,578.0				49,157.1				38,376.8				306,595.1				4,191.9
Loans:			—				—				—				—				—				—				—								—
Individually evaluated Loans			49.5				4.2				3,560.8				59.7				—				92.7				42,786.8				46,553.7				636.5
Collectively evaluated Loans			964,003.7				2,042,723.0				2,004,285.1				805,270.1				702,235.5				1,306,548.3				4,172,098.5				11,997,164.2				164,030.2

* Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 28,919.8 million (US$ 395.4 million). Recoveries from retail loans is Rs. 28,605.8 million and from wholesale loans is Rs. 314.0 million.

Troubled Debt Restructurings Modifications

		Fiscal year ended March 31, 2020
		Carrying value				TDRs involving changes in the amount of principal payments (1)				TDRs involving changes in the amount of interest payments (2)				TDRs involving changes in the amount of both principal and interest payments				Balance of principal forgiven				Net P&L impact (3)
		(In millions)
Retail Loans:
Retail business banking		Rs.	964.1			Rs.	—			Rs.	964.1			Rs.	—			Rs.	—			Rs.	43.1
Commercial vehicle and construction equipment finance			—				—				—				—				—				—
Wholesale loans			—				—				—				—				—				—
Total (4)		Rs.	964.1			Rs.	—			Rs.	964.1			Rs.	—			Rs.	—			Rs.	43.1

(1) TDRs involving changes in the amount of principal payment may include principal forgiveness or deferral of periodic and/or final principal payments.

(2) TDRs involving changes in the amount of interest payments may involve a reduction in interest rate.

(3) Balances reflect charge-offs and/or allowance for credit losses and/or income not recognized/deferred.

(4) TDR modification during the year ended March 31, 2020 comprised of 13 cases.

There were nil TDRs that have defaulted in the current period within 12 months of their modification date. The defaulted TDRs are based on a payment default definition of 90 days past due.  

Interest on loans by facility are as follows:

		Fiscal year ended March 31,
		2019				2020				2021				2021
		(In millions)
Wholesale loans		Rs.	199,928.0			Rs.	245,504.7			Rs.	263,190.7			US$	3,598.5
Retail loans			627,755.0				736,290.1				753,857.1				10,307.0
Total		Rs.	827,683.0			Rs.	981,794.8			Rs.	1,017,047.8			US$	13,905.5

Retail Loans

Financing Receivable Credit Quality Indicators

		Term Loans by origination year as at March 31,
Credit quality indicators-Internally assigned grade		Prior				2017				2018				2019				2020				2021				Revolving Loans				Revolving loans converted to term loans				Total
														(In millions)
Auto loans
Performing		Rs.	4,599.0			Rs.	30,174.9			Rs.	99,159.5			Rs.	168,159.1			Rs.	266,277.0			Rs.	362,747.1			Rs.	4,460.3			Rs.	—			Rs.	935,576.9
Non-performing			736.9				2,066.2				6,048.0				9,260.9				8,513.0				1,033.0				818.3				—				28,476.3
Subtotal		Rs.	5,335.9			Rs.	32,241.1			Rs.	105,207.5			Rs.	177,420.0			Rs.	274,790.0			Rs.	363,780.1			Rs.	5,278.6			Rs.	—			Rs.	964,053.2
Personal loans/Credit card
Performing		Rs.	613.8			Rs.	8,617.1			Rs.	48,658.4			Rs.	178,532.3			Rs.	483,925.8			Rs.	638,007.4			Rs.	326,118.9			Rs.	321,227.4			Rs.	2,005,701.1
Non-performing			118.6				601.7				3,144.1				8,704.2				11,381.7				1,162.5				8,259.7				3,653.6				37,026.1
Subtotal		Rs.	732.4			Rs.	9,218.8			Rs.	51,802.5			Rs.	187,236.5			Rs.	495,307.5			Rs.	639,169.9			Rs.	334,378.6			Rs.	324,881.0			Rs.	2,042,727.2
Retail business banking
Performing		Rs.	35,189.0			Rs.	49,573.1			Rs.	121,663.7			Rs.	145,473.9			Rs.	209,578.9			Rs.	480,518.2			Rs.	934,520.2			Rs.	—			Rs.	1,976,517.0
Non-performing			3,584.6				2,717.7				4,863.1				3,865.9				1,883.4				1,053.4				13,360.8				—				31,328.9
Subtotal		Rs.	38,773.6			Rs.	52,290.8			Rs.	126,526.8			Rs.	149,339.8			Rs.	211,462.3			Rs.	481,571.6			Rs.	947,881.0			Rs.	—			Rs.	2,007,845.9
Commercial vehicle and construction equipment finance
Performing		Rs.	517.8			Rs.	6,292.2			Rs.	44,766.4			Rs.	146,432.4			Rs.	214,342.4			Rs.	287,953.1			Rs.	73,010.2			Rs.	—			Rs.	773,314.5
Non-performing			155.9				836.6				4,397.4				11,112.3				10,159.4				1,086.1				4,267.6				—				32,015.3
Subtotal		Rs.	673.7			Rs.	7,128.8			Rs.	49,163.8			Rs.	157,544.7			Rs.	224,501.8			Rs.	289,039.2			Rs.	77,277.8			Rs.	—			Rs.	805,329.8
Housing loans
Performing		Rs.	272,061.4			Rs.	111,758.9			Rs.	105,069.4			Rs.	152,564.7			Rs.	55,570.3			Rs.	38.9			Rs.	—			Rs.	—			Rs.	697,063.6
Non-performing			2,407.3				1,082.6				744.5				865.9				71.6				—				—				—				5,171.9
Subtotal		Rs.	274,468.7			Rs.	112,841.5			Rs.	105,813.9			Rs.	153,430.6			Rs.	55,641.9			Rs.	38.9			Rs.	—			Rs.	—			Rs.	702,235.5
Other retail loans
Performing		Rs.	2,406.7			Rs.	8,530.0			Rs.	20,090.5			Rs.	45,854.0			Rs.	129,946.8			Rs.	483,241.9			Rs.	576,986.7			Rs.	—			Rs.	1,267,056.6
Non-performing			2,626.0				1,214.6				2,082.0				4,710.1				7,442.1				1,534.0				19,975.6				—				39,584.4
Subtotal		Rs.	5,032.7			Rs	9,744.6			Rs.	22,172.5			Rs.	50,564.1			Rs.	137,388.9			Rs.	484,775.9			Rs.	596,962.3			Rs.	—			Rs.	1,306,641.0
Total		Rs.	325,017.0			Rs.	223,465.6			Rs.	460,687.0			Rs.	875,535.7			Rs.	1,399,092.4			Rs.	2,258,375.6			Rs.	1,961,778.3			Rs.	324,881.0			Rs.	7,828,832.6
Total		US$	4,443.8			US$	3,055.3			US$	6,298.7			US$	11,970.7			US$	19,129.0			US$	30,877.4			US$	26,822.2			US$	4,441.9			US$	107,039.0

Wholesale loans

Financing Receivable Credit Quality Indicators

Wholesale Loans

The Bank has in place a process of grading each borrower according to its financial health and the performance of its business and each borrower is graded as pass/labeled/non-performing. Wholesale loans that are not non-performing are disclosed as pass or labeled and considered to be performing. Labeled loans are those with evidence of weakness where such exposures indicate deteriorating trends which if not corrected could adversely impact repayment of the obligations. The Bank’s model assesses the overall risk over four major categories – industry risk, business risk, management risk and financial risk. The inputs in each of the categories are combined to provide an aggregate numerical rating, which is a function of the aggregate weighted scores based on the assessment under each of these four risk categories.

The following table provides information on primary credit quality indicator as at March 31, 2021

		Term loans by origination year as at March 31,
Credit quality indicators-Internally assigned grade		Prior				2017				2018				2019				2020				2021				Revolving Loans				Total
														(In millions)
Wholesale loans
Pass		Rs.	3,939.4			Rs.	3,332.3			Rs.	298,631.5			Rs.	324,816.0			Rs.	568,907.1			Rs.	2,007,206.0			Rs.	930,417.0			Rs.	4,137,249.3
Labeled			—				—				7,503.2				10,194.9				2,427.6				4,073.6				13,257.2				37,456.5
Non-performing			445.8				84.3				10,893.1				4,778.7				1,445.3				2,255.7				20,276.6				40,179.5
Total		Rs.	4,385.2			Rs.	3,416.6			Rs.	317,027.8			Rs.	339,789.6			Rs.	572,780.0			Rs.	2,013,535.3			Rs.	963,950.8			Rs.	4,214,885.3
Total		US$	60.0			US$	46.7			US$	4,334.5			US$	4,645.7			US$	7,831.3			US$	27,529.9			US$	13,179.6			US$	57,627.7

Receivable By Industry

Non-performing Financing Receivables

Non-performing loans by industry as of March 31, 2020 and March 31, 2021 are as follows:

		As of March 31, 2020
		(In millions)
Gross non-performing loans by industry:
—Agri Production—Food		Rs.	22,546.3
—Consumer Loans			21,718.9
—Road Transportation			13,067.6
—Retail Trade			8,823.1
—Food and Beverage			8,137.5
—Others (none greater than 5% of non-performing loans)			83,133.5
Total		Rs.	157,426.9

		As of March 31, 2021
		(In millions)
Gross non-performing loans by industry:
—Consumer Loans		Rs.	47,028.8			US$	643.0
—Agri Production—Food			21,028.5				287.5
—Road Transportation			18,344.8				250.8
—Retail Trade			17,242.9				235.8
—Agri Allied			10,829.6				148.1
—Others (none greater than 5% of non-performing loans)			99,307.8				1,357.8
Total		Rs.	213,782.4			US$	2,923.0

Summary information relating to non-performing loans during the fiscal year ended March 31, 2019, March 31, 2020 and March 31, 2021 is as follows:

		Fiscal year ended March 31,
		2019				2020				2021				2021
		(In millions)
Average non-performing loans, net of allowance		Rs.	50,378.2			Rs.	55,232.3			Rs.	73,435.6			US$	1,004.0
Interest income recognized on non-performing loans		Rs.	6,994.7			Rs.	10,160.5			Rs.	7,025.3			US$	96.1

X

- Definition

Tabular disclosure of the aggregate amount of receivables payment due for the five years following the date of the latest balance sheet and the combined aggregate amount of maturities of known receivables obligations.

+ References

No definition available.

+ Details

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- Definition

Tabular disclosure of allowance for credit loss on financing receivable.

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- Definition

Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

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- Definition

Tabular disclosure of impaired financing receivables.

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- Definition

Tabular disclosure of aging analysis for financing receivable.

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- Definition

Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.

+ References

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-Paragraph 1
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- Definition

Tabular disclosure of financing receivable modified as troubled debt restructuring.

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