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CONSOLIDATED STATEMENTS OF INCOME
₨ in Millions, $ in Millions
12 Months Ended
Mar. 31, 2023
INR (₨)
₨ / shares
Mar. 31, 2023
USD ($)
$ / shares
Mar. 31, 2022
INR (₨)
₨ / shares
Mar. 31, 2021
INR (₨)
₨ / shares
Interest and dividend revenue:        
Loans ₨ 1,351,818.0 $ 16,447.5 ₨ 1,057,925.6 ₨ 1,017,047.8
Trading securities 2,964.6 36.1 1,647.5 3,373.8
Available for sale debt securities 304,566.7 3,705.6 240,943.0 226,690.9
Other 30,177.4 367.2 32,620.9 28,855.1
Total interest and dividend revenue 1,689,526.7 20,556.4 1,333,137.0 1,275,967.6
Interest expense:        
Deposits 615,108.9 7,484.0 489,010.1 501,260.2
Short-term borrowings 58,142.8 707.4 17,675.2 12,531.8
Long-term debt 101,587.8 1,236.0 77,456.3 78,361.5
Other 698.7 8.5 155.9 127.6
Total interest expense 775,538.2 9,435.9 584,297.5 592,281.1
Net interest revenue 913,988.5 11,120.5 748,839.5 683,686.5
Provision for credit losses 74,213.8 903.0 126,979.5 154,233.4
Net interest revenue after provision for credit losses 839,774.7 10,217.5 621,860.0 529,453.1
Non-interest revenue, net:        
Fees and commissions 239,603.7 2,915.2 202,979.5 165,410.4
Trading securities gain/(loss), net 479.9 5.8 2,455.5 1,481.0
Realized gain/(loss) on sales of available for sale debt securities, net (720.3) (8.8) 16,745.8 55,925.2
Allowance on available for sale debt securities (70.9) (0.9) 2,915.1 (2,915.1)
Foreign exchange transactions 25,547.0 310.8 34,851.4 27,762.6
Derivatives gain/(loss), net 15,366.1 187.0 1,422.0 (3,253.0)
Other, net 11,181.0 136.0 9,204.9 8,564.6
Total non-interest revenue, net 291,386.5 3,545.1 270,574.2 252,975.7
Total revenue, net 1,131,161.2 13,762.6 892,434.2 782,428.8
Non-interest expense:        
Salaries and staff benefits 199,726.8 2,430.1 165,287.7 143,755.9
Premises and equipment 45,069.9 548.4 36,236.0 35,763.2
Depreciation and amortization 23,489.7 285.8 16,816.9 13,860.2
Administrative and other 200,493.0 2,439.4 154,931.4 149,223.0
Total non-interest expense 468,779.4 5,703.7 373,272.0 342,602.3
Income before income tax expense 662,381.8 8,058.9 519,162.2 439,826.5
Income tax expense 166,117.4 2,021.1 132,559.2 113,820.1
Net income before noncontrolling interest 496,264.4 6,037.8 386,603.0 326,006.4
Less: Net income attributable to shareholders of noncontrolling interest 817.5 9.9 602.6 29.3
Net income attributable to HDFC Bank Limited ₨ 495,446.9 $ 6,027.9 ₨ 386,000.4 ₨ 325,977.1
Per share information:        
Earnings per equity share—basic | (per share) ₨ 89.02 $ 1.08 ₨ 69.76 ₨ 59.27
Earnings per equity share—diluted | (per share) 88.68 1.07 69.38 59.02
Per ADS information (where 1 ADS represents 3 shares): (see note: 28)        
Earnings per ADS—basic | (per share) 267.06 3.24 209.28 177.81
Earnings per ADS—diluted | (per share) 266.04 3.21 208.14 177.06
Dividends declared per equity share | (per share) ₨ 19 $ 0.23 ₨ 15.5 ₨ 6.5