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CONSOLIDATED STATEMENTS OF CASH FLOWS
₨ in Millions, $ in Millions
 12 Months Ended
Mar. 31, 2022
INR (₨)
Mar. 31, 2022
USD ($)
Mar. 31, 2021
INR (₨)
Mar. 31, 2020
INR (₨)
Cash flows from operating activities:        
Net income before noncontrolling interest ₨ 386,603.0 $ 5,095.4 ₨ 326,006.4 ₨ 260,364.0
Adjustment to reconcile net income to net cash provided by operating activities        
Provision for credit losses 126,979.5 1,673.6 154,233.4 117,621.9
Depreciation and amortization 16,816.9 221.7 13,860.2 12,800.3
Amortization of deferred customer acquisition costs and fees 10,912.3 143.8 7,930.2 11,673.2
Amortization of premium (discount) on investments 8,493.3 111.9 5,875.3 5,196.8
Allowance on available for sale debt securities (2,915.1) (38.4) 2,915.1 [1] 9,109.0 [1]
Deferred tax expense/ (benefit) (9,887.3) (130.3) (8,267.3) (101.2)
Other gains, net (7,206.5) (95.0) (7,428.4) 133.7
Share-based compensation expense 13,874.5 182.9 10,603.5 7,476.1
Net realized (gain) loss on sale of available for sale debt securities (16,745.8) (220.7) (55,925.2) (25,826.2)
(Gain) loss on disposal of property and equipment, net (0.9) 0.0 (16.2) 81.9
Unrealized exchange (gain) loss (4,813.0) (63.4) (356.8) 3,312.5
Net change in:        
Investments held for trading 48,845.7 643.8 388,530.5 (227,480.4)
Accrued interest receivable (15,640.8) (206.2) (15,804.6) (9,752.6)
Other assets (26,227.6) (345.7) 82,993.4 (140,959.9)
Accrued interest payable 4,417.8 58.2 (2,073.9) 563.7
Accrued expense and other liabilities 47,512.2 626.2 18,700.6 146,966.9
Net cash provided by operating activities 581,018.2 7,657.8 921,776.2 171,179.7
Cash flows from investing activities:        
Term placements, net (366,297.2) (4,828.0) 4,168.0 6,055.7
Activity in available for sale debt securities:        
Purchases (1,736,498.7) (22,887.8) (3,217,140.1) (2,608,516.6)
Proceeds from sales 766,585.0 10,103.9 1,609,149.3 1,214,082.0
Maturities, prepayments and calls 807,572.1 10,644.2 784,327.6 653,889.0
Net change in repurchase agreements and reverse repurchase agreements (307,207.6) (4,049.1) (171,982.8) 160,195.5
Loans purchased (282,420.1) (3,722.4) (189,797.8) (252,738.1)
Repayments on loans purchased 156,441.9 2,062.0 124,275.6 122,821.6
Increase in loans originated, net of principal collections (2,328,833.2) (30,695.0) (1,446,355.1) (1,428,007.7)
Additions to property and equipment (26,324.4) (347.0) (17,806.5) (18,294.3)
Proceeds from sale or disposal of property and equipment 199.1 2.6 152.8 182.4
Activity in equity securities, net 14,503.3 191.2 (140.7) (157.9)
Net cash used in investing activities (3,302,279.8) (43,525.4) (2,521,149.7) (2,150,488.4)
Cash flows from financing activities:        
Net increase in deposits 2,237,238.5 29,487.8 1,882,763.1 2,213,972.5
Net increase (decrease) in short-term borrowings 314,735.9 4,148.4 (138,024.7) (277,587.3)
Proceeds from issue of shares by a subsidiary to noncontrolling interests 691.8 9.1 492.4 466.8
Proceeds from issuance of long-term debt 722,908.9 9,528.3 481,989.2 272,104.7
Repayment of long-term debt (353,325.7) (4,657.0) (326,285.0) (315,209.6)
Proceeds from issuance of equity shares for options exercised 26,097.3 344.0 17,601.0 18,486.8
Payment of dividends and dividend tax (36,239.2) (477.6) (166.6) (66,447.3)
Net cash provided by financing activities 2,912,107.5 38,383.0 1,918,369.4 1,845,786.6
Effect of exchange rate changes on cash and due from banks, and restricted cash 490.5 6.5 (262.2) 10,610.5
Net change in cash and due from banks, and restricted cash 191,336.4 2,521.9 318,733.7 (122,911.6)
Cash and due from banks, and restricted cash, beginning of year 930,694.7 12,267.0 611,961.0 734,872.6
Cash and due from banks, and restricted cash, end of year 1,122,031.1 14,788.9 930,694.7 611,961.0
Supplementary cash flow information:        
Interest paid 579,853.8 7,642.7 594,390.9 617,749.1
Income taxes paid, net of refunds 148,381.6 1,955.7 130,214.5 104,013.4
Non-cash investment activities        
Payable for purchase of property and equipment 5,483.3 72.3 2,061.2 1,232.7
Trade date sale receivable of available for sale debt securities ₨ 749.8 $ 9.9 ₨ 0.0 ₨ 32,730.8
Operating Lease, Description Operating lease right-of-use assets represent non-cash investing activities. Refer to note 26-Lease commitments for more information and balances as at March 31, 2022. Operating lease right-of-use assets represent non-cash investing activities. Refer to note 26-Lease commitments for more information and balances as at March 31, 2022.    
[1] For fiscal year 2020 the amount represents Other than temporary impairment. The Bank adopted the CECL accounting guidance on April 1, 2020.