XML 102 R92.htm IDEA: XBRL DOCUMENT v3.22.2
Concentrations of Credit Risk (Detail)
₨ in Millions, $ in Millions
12 Months Ended
Mar. 31, 2022
INR (₨)
Mar. 31, 2022
USD ($)
Mar. 31, 2021
INR (₨)
Mar. 31, 2022
USD ($)
Concentration Risk [Line Items]        
Gross loans ₨ 14,409,544.0   ₨ 12,043,717.9 $ 189,924.1
Fair value of credit substitutes 583,020.2   547,276.9 $ 7,684.5
Non-funded exposure 1,535,475.3   1,216,145.9  
Total Exposure ₨ 16,528,039.5 $ 217,846.7 ₨ 13,807,140.7  
Lender Concentration Risk | Concentration of Credit Risk by Industry        
Concentration Risk [Line Items]        
% 100.00% 100.00% 100.00%  
Consumer Loans        
Concentration Risk [Line Items]        
Gross loans ₨ 3,746,781.7   ₨ 3,241,292.9  
Fair value of credit substitutes 0.0   0.0  
Non-funded exposure 3,035.7   2,578.6  
Total Exposure ₨ 3,749,817.4 $ 49,424.2 ₨ 3,243,871.5  
Consumer Loans | Lender Concentration Risk | Concentration of Credit Risk by Industry        
Concentration Risk [Line Items]        
% 22.70% 22.70% 23.50%  
Retail Trade        
Concentration Risk [Line Items]        
Gross loans ₨ 589,947.3   ₨ 540,350.3  
Fair value of credit substitutes 0.0   0.0  
Non-funded exposure 28,857.8   21,747.7  
Total Exposure ₨ 618,805.1 $ 8,156.1 ₨ 562,098.0  
Retail Trade | Lender Concentration Risk | Concentration of Credit Risk by Industry        
Concentration Risk [Line Items]        
% 3.70% 3.70% 4.10%  
Power        
Concentration Risk [Line Items]        
Gross loans ₨ 671,859.4   ₨ 630,189.4  
Fair value of credit substitutes 70,346.0   76,449.1  
Non-funded exposure 52,366.6   30,299.7  
Total Exposure ₨ 794,572.0 $ 10,472.8 ₨ 736,938.2  
Power | Lender Concentration Risk | Concentration of Credit Risk by Industry        
Concentration Risk [Line Items]        
% 4.80% 4.80% 5.30%  
Consumer Services        
Concentration Risk [Line Items]        
Gross loans ₨ 465,465.8   ₨ 424,765.4  
Fair value of credit substitutes 0.0   2,048.0  
Non-funded exposure 28,102.4   17,743.6  
Total Exposure ₨ 493,568.2 $ 6,505.4 ₨ 444,557.0  
Consumer Services | Lender Concentration Risk | Concentration of Credit Risk by Industry        
Concentration Risk [Line Items]        
% 3.00% 3.00% 3.20%  
Engineering        
Concentration Risk [Line Items]        
Gross loans ₨ 253,105.1   ₨ 189,952.7  
Fair value of credit substitutes 6,666.6   6,448.4  
Non-funded exposure 105,164.7   92,218.6  
Total Exposure ₨ 364,936.4 $ 4,810.0 ₨ 288,619.7  
Engineering | Lender Concentration Risk | Concentration of Credit Risk by Industry        
Concentration Risk [Line Items]        
% 2.20% 2.20% 2.10%  
NBFC        
Concentration Risk [Line Items]        
Gross loans ₨ 509,445.4   ₨ 415,787.6  
Fair value of credit substitutes 106,764.5   83,596.5  
Non-funded exposure 5,818.5   2,789.6  
Total Exposure ₨ 622,028.4 $ 8,198.6 ₨ 502,173.7  
NBFC | Lender Concentration Risk | Concentration of Credit Risk by Industry        
Concentration Risk [Line Items]        
% 3.80% 3.80% 3.60%  
Road Transportation        
Concentration Risk [Line Items]        
Gross loans ₨ 406,376.4   ₨ 368,388.5  
Fair value of credit substitutes 0.0   0.0  
Non-funded exposure 10,269.5   8,572.3  
Total Exposure ₨ 416,645.9 $ 5,491.6 ₨ 376,960.8  
Road Transportation | Lender Concentration Risk | Concentration of Credit Risk by Industry        
Concentration Risk [Line Items]        
% 2.50% 2.50% 2.70%  
Automobile and Auto Ancillary        
Concentration Risk [Line Items]        
Gross loans ₨ 443,538.7   ₨ 381,562.7  
Fair value of credit substitutes 19,768.7   18,556.9  
Non-funded exposure 36,999.9   35,757.0  
Total Exposure ₨ 500,307.3 $ 6,594.3 ₨ 435,876.6  
Automobile and Auto Ancillary | Lender Concentration Risk | Concentration of Credit Risk by Industry        
Concentration Risk [Line Items]        
% 3.00% 3.00% 3.20%  
Real Estate and Property Services        
Concentration Risk [Line Items]        
Gross loans ₨ 383,765.5   ₨ 298,277.1  
Fair value of credit substitutes 4,792.6   4,872.2  
Non-funded exposure 40,694.4   35,737.9  
Total Exposure ₨ 429,252.5 $ 5,657.7 ₨ 338,887.2  
Real Estate and Property Services | Lender Concentration Risk | Concentration of Credit Risk by Industry        
Concentration Risk [Line Items]        
% 2.60% 2.60% 2.50%  
Agri Production - Food        
Concentration Risk [Line Items]        
Gross loans ₨ 350,859.6   ₨ 337,904.8  
Fair value of credit substitutes 0.0   0.0  
Non-funded exposure 963.1   998.1  
Total Exposure ₨ 351,822.7 $ 4,637.2 ₨ 338,902.9  
Agri Production - Food | Lender Concentration Risk | Concentration of Credit Risk by Industry        
Concentration Risk [Line Items]        
% 2.10% 2.10% 2.50%  
Coal & Petroleum Products        
Concentration Risk [Line Items]        
Gross loans ₨ 233,583.7   ₨ 172,989.4  
Fair value of credit substitutes 174,424.6   190,457.8  
Non-funded exposure 149,716.9   59,803.5  
Total Exposure ₨ 557,725.2 $ 7,351.1 ₨ 423,250.7  
Coal & Petroleum Products | Lender Concentration Risk | Concentration of Credit Risk by Industry        
Concentration Risk [Line Items]        
% 3.40% 3.40% 3.10%  
Food And Beverage        
Concentration Risk [Line Items]        
Gross loans ₨ 433,042.2   ₨ 342,573.5  
Fair value of credit substitutes 0.0   240.4  
Non-funded exposure 39,007.2   29,321.5  
Total Exposure ₨ 472,049.4 $ 6,221.8 ₨ 372,135.4  
Food And Beverage | Lender Concentration Risk | Concentration of Credit Risk by Industry        
Concentration Risk [Line Items]        
% 2.90% 2.90% 2.70%  
Financial Institutions        
Concentration Risk [Line Items]        
Gross loans ₨ 618,494.1   ₨ 443,257.3  
Fair value of credit substitutes 51,844.1   21,147.1  
Non-funded exposure 13.1   3.7  
Total Exposure ₨ 670,351.3 $ 8,835.5 ₨ 464,408.1  
Financial Institutions | Lender Concentration Risk | Concentration of Credit Risk by Industry        
Concentration Risk [Line Items]        
% 4.10% 4.10% 3.40%  
Iron and Steel        
Concentration Risk [Line Items]        
Gross loans ₨ 321,587.7   ₨ 248,140.2  
Fair value of credit substitutes 12,486.0   13,116.6  
Non-funded exposure 80,515.7   53,192.5  
Total Exposure ₨ 414,589.4 $ 5,464.5 ₨ 314,449.3  
Iron and Steel | Lender Concentration Risk | Concentration of Credit Risk by Industry        
Concentration Risk [Line Items]        
% 2.50% 2.50% 2.30%  
Telecom        
Concentration Risk [Line Items]        
Gross loans ₨ 331,131.1      
Fair value of credit substitutes 2,989.4      
Non-funded exposure 43,335.9      
Total Exposure ₨ 377,456.4 $ 4,975.0    
Telecom | Lender Concentration Risk | Concentration of Credit Risk by Industry        
Concentration Risk [Line Items]        
% 2.30% 2.30%    
Infrastructure Development        
Concentration Risk [Line Items]        
Gross loans ₨ 272,428.0   ₨ 167,416.1  
Fair value of credit substitutes 18,032.7   15,879.7  
Non-funded exposure 220,442.5   190,154.9  
Total Exposure ₨ 510,903.2 $ 6,733.9 ₨ 373,450.7  
Infrastructure Development | Lender Concentration Risk | Concentration of Credit Risk by Industry        
Concentration Risk [Line Items]        
% 3.10% 3.10% 2.70%  
Wholesale Trade - Non Industrial        
Concentration Risk [Line Items]        
Gross loans ₨ 417,954.8   ₨ 301,508.2  
Fair value of credit substitutes 0.0   2,065.6  
Non-funded exposure 26,147.5   17,816.8  
Total Exposure ₨ 444,102.3 $ 5,853.5 ₨ 321,390.6  
Wholesale Trade - Non Industrial | Lender Concentration Risk | Concentration of Credit Risk by Industry        
Concentration Risk [Line Items]        
% 2.70% 2.70% 2.30%  
Wholesale Trade - Industrial        
Concentration Risk [Line Items]        
Gross loans ₨ 347,202.9   ₨ 258,854.1  
Fair value of credit substitutes 0.0   0.0  
Non-funded exposure 73,867.5   51,891.6  
Total Exposure ₨ 421,070.4 $ 5,549.9 ₨ 310,745.7  
Wholesale Trade - Industrial | Lender Concentration Risk | Concentration of Credit Risk by Industry        
Concentration Risk [Line Items]        
% 2.50% 2.50% 2.30%  
Others (none greater than 2%)        
Concentration Risk [Line Items]        
Gross loans ₨ 3,288,555.0   ₨ 3,022,929.8  
Fair value of credit substitutes 108,769.3   105,516.4  
Non-funded exposure 546,407.8   538,019.5  
Total Exposure ₨ 3,943,732.1 $ 51,980.1 ₨ 3,666,465.7  
Others (none greater than 2%) | Lender Concentration Risk | Concentration of Credit Risk by Industry        
Concentration Risk [Line Items]        
% 23.80% 23.80% 26.40%  
Textiles and Garments        
Concentration Risk [Line Items]        
Gross loans ₨ 324,419.6   ₨ 257,577.9  
Fair value of credit substitutes 6,135.7   6,882.2  
Non-funded exposure 43,748.6   27,498.8  
Total Exposure ₨ 374,303.9 $ 4,933.5 ₨ 291,958.9  
Textiles and Garments | Lender Concentration Risk | Concentration of Credit Risk by Industry        
Concentration Risk [Line Items]        
% 2.30% 2.30% 2.10%