XML 52 R43.htm IDEA: XBRL DOCUMENT v3.23.2

Loans (Tables)

12 Months Ended

Mar. 31, 2023

Loans by Facility

Loans by facility as of March 31, 2022 and March 31, 2023 were as follows:

		As of March 31,
		2022				2023				2023
		(In millions)
Retail loans:
Auto loans		Rs.	1,042,793.0			Rs.	1,221,097.6			US$	14,857.0
Personal loans/Credit cards			2,341,971.8				2,782,828.5				33,858.5
Retail business banking			2,617,087.1				3,378,625.2				41,107.5
Commercial vehicle and construction equipment finance			951,066.0				1,285,887.8				15,645.3
Housing loans			830,882.4				1,020,901.6				12,421.2
Other retail loans			1,526,734.4				1,817,239.6				22,110.2
Subtotal		Rs.	9,310,534.7			Rs.	11,506,580.3			US$	139,999.7
Wholesale loans		Rs.	5,099,009.3			Rs.	5,911,512.1			US$	71,925.0
Gross loans			14,409,544.0				17,418,092.4				211,924.7
Less: Allowance for credit losses			372,671.8				365,164.5				4,443.0
Total		Rs.	14,036,872.2			Rs.	17,052,927.9			US$	207,481.7

Financing Receivable, by Maturity

The maturity of gross loans as of March 31, 2023 is set out below:

		As of March 31, 2023
		Wholesale loans				Retail loans				Total
		(In millions)
Maturity profile of loans:
Within one year		Rs.	1,790,721.1			Rs.	2,863,235.5			Rs.	4,653,956.6
Over one year through five years			2,966,781.3				7,396,855.6				10,363,636.9
Over five years			1,154,009.7				1,246,489.2				2,400,498.9
Total		Rs.	5,911,512.1			Rs.	11,506,580.3			Rs.	17,418,092.4
Total		US$	71,925.0			US$	139,999.7			US$	211,924.7

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, 2022 and March 31, 2023.

		As of March 31, 2022
		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.	6,536.5			Rs.	20,441.6			Rs.	1,015,814.9			Rs.	1,042,793.0			Rs.	20,441.6
Personal loans/Credit card			27,433.8				28,057.5				2,286,480.5				2,341,971.8				28,057.5
Retail business banking			18,242.9				35,820.2				2,563,024.0				2,617,087.1				35,820.2
Commercial vehicle and construction equipment finance			20,263.0				25,091.5				905,711.5				951,066.0				25,091.5
Housing loans			3,296.3				6,478.4				821,107.7				830,882.4				6,478.4
Other retail			18,009.8				49,459.2				1,459,265.4				1,526,734.4				49,459.2
Wholesale loans			8,455.4				31,921.1				5,058,632.8				5,099,009.3				31,921.1
Total		Rs.	102,237.7			Rs.	197,269.5			Rs.	14,110,036.8			Rs.	14,409,544.0			Rs.	197,269.5

(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 of Rs. 34.2 billion.

		As of March 31, 2023
		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.	5,738.3			Rs.	15,941.6			Rs.	1,199,417.7			Rs.	1,221,097.6			Rs.	15,941.6
Personal loans/Credit card			20,871.1				22,770.1				2,739,187.3				2,782,828.5				22,770.1
Retail business banking			21,241.0				43,937.8				3,313,446.4				3,378,625.2				43,937.8
Commercial vehicle and construction equipment finance			15,089.3				21,823.8				1,248,974.7				1,285,887.8				21,823.8
Housing loans			3,916.0				5,900.3				1,011,085.3				1,020,901.6				5,900.3
Other retail			30,007.7				56,822.9				1,730,409.0				1,817,239.6				56,822.9
Wholesale loans			3,905.0				33,512.3				5,874,094.8				5,911,512.1				33,512.3
Total		Rs.	100,768.4			Rs.	200,708.8			Rs.	17,116,615.2			Rs.	17,418,092.4			Rs.	200,708.8
Total		US$	1,226.0			US$	2,442.0			US$	208,256.7			US$	211,924.7			US$	2,442.0

(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 of Rs. 31.8 billion.

Non-performing Financing Receivables

The following table provides information on non-performing credit substitutes as of March 31, 2022 and March 31, 2023:

As of March 31,

2022

2023

2023

(In millions)

Gross non-performing credit substitutes

Rs

—

Rs

—

US$    —

Gross non-performing credit substitutes by industry

Rs.

—

Rs.

—

US$    —

Average non-performing credit substitutes

Rs.

—

Rs.

—

US$    —

Interest income recognized on non-performing credit substitutes

Rs.

—

Rs.

—

US$    —

Allowance for Credit Losses on Financing Receivables

Allowances for credit losses as of March 31, 2021 are as follows:

		Auto loans				Personal loans/ Credit card				Retail business banking				Commercial vehicle and construction equipment finance				Housing loans				Other retail				Wholesale				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
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
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	)
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
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
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
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
Loans:
Individually evaluated loans			49.5				4.2				3,560.8				59.7				—				92.7				42,786.8				46,553.7
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

(*)  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.

Allowances for credit losses as of March 31, 2022 are as follows:

		Auto loans				Personal loans/ Credit card				Retail business banking				Commercial vehicle and construction equipment finance				Housing loans				Other retail				Wholesale				Total
		(In millions)
Allowance for credit losses, beginning 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
Write-offs			(19,376.9	)			(74,500.8	)			(3,027.7	)			(16,592.0	)			(601.6	)			(17,567.4	)			(2,351.4	)			(134,017.8	)
Net allowance for credit losses (*)			21,750.2				75,986.2				9,794.3				21,986.2				(1,284.2	)			29,775.2				5,153.0				163,160.9
Allowance for credit losses, end of the period		Rs.	41,769.4			Rs.	111,566.4			Rs.	49,055.0			Rs.	31,750.9			Rs.	2,692.2			Rs.	61,437.0			Rs.	74,400.9			Rs.	372,671.8
Allowance for credit losses:
Individually evaluated allowance		Rs.	18.4			Rs.	6.5			Rs.	2,651.4			Rs.	65.8			Rs.	—			Rs.	92.3			Rs.	35,619.7			Rs.	38,454.1
Collectively evaluated allowance			41,751.0				111,559.9				46,403.6				31,685.1				2,692.2				61,344.7				38,781.2				334,217.7
Loans:
Individually evaluated loans			31.5				29.4				2,651.4				66.3				—				126.6				41,832.9				44,738.1
Collectively evaluated loans			1,042,761.5				2,341,942.4				2,614,435.7				950,999.7				830,882.4				1,526,607.8				5,057,176.4				14,364,805.9

(*)  Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs. 36,181.4 million. Recoveries from retail loans is Rs. 35,385.3 million and from wholesale loans is Rs. 796.1 million.

Allowances for credit losses as of March 31, 2023 are as follows:

		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.	41,769.4			Rs.	111,566.4			Rs.	49,055.0			Rs.	31,750.9			Rs.	2,692.2			Rs.	61,437.0			Rs.	74,400.9			Rs.	372,671.8			US$	4,534.3
Write-offs			(10,456.0	)			(88,744.9	)			(3,987.8	)			(15,270.1	)			(479.0	)			(15,769.9	)			(3,156.0	)			(137,863.7	)			(1,677.4	)
Net allowance for credit losses (*)			2,522.1				76,812.9				18,907.6				14,649.8				1,056.7				26,345.3				(9,938.0	)			130,356.4				1,586.1
Allowance for credit losses, end of the period		Rs.	33,835.5			Rs.	99,634.4			Rs.	63,974.8			Rs.	31,130.6			Rs.	3,269.9			Rs.	72,012.4			Rs.	61,306.9			Rs.	365,164.5			US$	4,443.0
Allowance for credit losses:
Individually evaluated allowance		Rs.	4.6			Rs.	—			Rs.	2,320.3			Rs.	15.0			Rs.	—			Rs.	92.1			Rs.	29,264.6			Rs.	31,696.6			US$	385.7
Collectively evaluated allowance			33,830.9				99,634.4				61,654.5				31,115.6				3,269.9				71,920.3				32,042.3				333,467.9				4,057.3
Loans:																											—								—
Individually evaluated loans			16.4				0.8				2,782.0				290.8				—				92.3				33,879.5				37,061.8				450.9
Collectively evaluated loans			1,221,081.2				2,782,827.7				3,375,843.2				1,285,597.0				1,020,901.6				1,817,147.3				5,877,632.6				17,381,030.6				211,473.8

(*)  Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs. 56,142.6 million (US$ 683.1 million). Recoveries from retail loans is Rs. 53,374.2 million and from wholesale loans is Rs. 2,768.4 million.

Troubled Debt Restructurings Modifications

Interest on loans by facility are as follows:

		Fiscal year ended March 31,
		2021				2022				2023				2023
		(In millions)
Wholesale loans		Rs.	263,190.7			Rs.	250,779.5			Rs.	363,842.1			US$	4,426.8
Retail loans			753,857.1				807,146.1				987,975.9				12,020.7
Total		Rs.	1,017,047.8			Rs.	1,057,925.6			Rs.	1,351,818.0			US$	16,447.5

Retail Loans

Financing Receivable Credit Quality Indicators

The following table provides information on primary credit quality indicators as of March 31, 2022:

		Term loans by origination
Credit quality indicators-Internally assigned grade		Prior				2018				2019				2020				2021				2022				Revolving loans				Revolving loans converted to term loans				Total
		(In millions)
Auto loans
Performing		Rs.	8,466.2			Rs.	42,634.8			Rs.	89,161.9			Rs.	169,606.1			Rs.	252,295.7			Rs.	455,114.6			Rs.	5,072.1			Rs.	—			Rs.	1,022,351.4
Non-performing			846.1				2,866.6				5,455.2				6,323.4				2,973.5				661.7				1,315.1				—				20,441.6
Subtotal		Rs.	9,312.3			Rs.	45,501.4			Rs.	94,617.1			Rs.	175,929.5			Rs.	255,269.2			Rs.	455,776.3			Rs.	6,387.2			Rs.	—			Rs.	1,042,793.0
Personal loans/Credit card
Performing		Rs.	1,374.4			Rs.	14,320.8			Rs.	67,477.1			Rs.	225,561.4			Rs.	336,526.1			Rs.	947,277.0			Rs.	381,900.4			Rs.	339,477.1			Rs.	2,313,914.3
Non-performing			201.7				910.2				4,184.4				7,967.1				3,931.7				1,722.7				6,405.6				2,734.1				28,057.5
Subtotal		Rs.	1,576.1			Rs.	15,231.0			Rs.	71,661.5			Rs.	233,528.5			Rs.	340,457.8			Rs.	948,999.7			Rs.	388,306.0			Rs.	342,211.2			Rs.	2,341,971.8
Retail business banking
Performing		Rs.	52,347.2			Rs.	78,959.8			Rs.	97,361.4			Rs.	151,964.0			Rs.	306,673.0			Rs.	569,687.0			Rs.	1,324,274.5			Rs.	—			Rs.	2,581,266.9
Non-performing			3,661.9				3,736.0				3,429.5				2,598.7				2,880.8				412.2				19,101.1				—				35,820.2
Subtotal		Rs.	56,009.1			Rs.	82,695.8			Rs.	100,790.9			Rs.	154,562.7			Rs.	309,553.8			Rs.	570,099.2			Rs.	1,343,375.6			Rs.	—			Rs.	2,617,087.1
Commercial vehicle and construction equipment finance
Performing		Rs.	1,837.4			Rs.	16,022.5			Rs.	69,418.2			Rs.	125,223.1			Rs.	185,561.0			Rs.	426,434.1			Rs.	101,478.2			Rs.	—			Rs.	925,974.5
Non-performing			210.8				1,391.5				6,224.5				8,010.6				3,883.8				651.3				4,719.0				—				25,091.5
Subtotal		Rs.	2,048.2			Rs.	17,414.0			Rs.	75,642.7			Rs.	133,233.7			Rs.	189,444.8			Rs.	427,085.4			Rs.	106,197.2			Rs.	—			Rs.	951,066.0
Housing loans
Performing		Rs.	301,103.3			Rs.	85,682.1			Rs.	127,339.2			Rs.	46,798.3			Rs.	0.6			Rs.	263,480.5			Rs.	—			Rs.	—			Rs.	824,404.0
Non-performing			1,597.6				504.1				1,472.2				2,193.9				512.8				197.8				—				—				6,478.4
Subtotal		Rs.	302,700.9			Rs.	86,186.2			Rs.	128,811.4			Rs.	48,992.2			Rs.	513.4			Rs.	263,678.3			Rs.	—			Rs.	—			Rs.	830,882.4
Other retail loans
Performing		Rs.	4,260.4			Rs.	11,266.3			Rs.	20,843.1			Rs.	51,074.6			Rs.	131,647.7			Rs.	567,032.4			Rs.	691,150.7			Rs.	—			Rs.	1,477,275.2
Non-performing			2,989.1				1,434.6				4,470.0				10,682.7				3,645.0				1,004.1				25,233.7				—				49,459.2
Subtotal		Rs.	7,249.5			Rs	12,700.9			Rs.	25,313.1			Rs.	61,757.3			Rs.	135,292.7			Rs.	568,036.5			Rs.	716,384.4			Rs.	—			Rs.	1,526,734.4
Total		Rs.	378,896.1			Rs.	259,729.3			Rs.	496,836.7			Rs.	808,003.9			Rs.	1,230,531.7			Rs.	3,233,675.4			Rs.	2,560,650.4			Rs.	342,211.2			Rs.	9,310,534.7

The following table provides information on primary credit quality indicators as of March 31, 2023:

		Term loans by origination
Credit quality indicators- Internally assigned grade		Prior				2019				2020				2021				2022				2023				Revolving loans				Revolving loans converted to term loans				Total
		(In millions)
Auto loans
Performing		Rs.	14,387.2			Rs.	37,425.2			Rs.	90,148.4			Rs.	160,443.6			Rs.	308,076.9			Rs.	525,693.8			Rs.	68,980.9			Rs.	—			Rs.	1,205,156.0
Non-performing			1,129.9				2,324.4				3,858.8				2,875.4				1,990.0				748.9				3,014.2				—				15,941.6
Subtotal		Rs.	15,517.1			Rs.	39,749.6			Rs.	94,007.2			Rs.	163,319.0			Rs.	310,066.9			Rs.	526,442.7			Rs.	71,995.1			Rs.	—			Rs.	1,221,097.6
Personal loans/Credit card
Performing		Rs.	2,431.4			Rs.	20,673.2			Rs.	86,038.7			Rs.	155,911.2			Rs.	490,598.8			Rs.	1,206,873.5			Rs.	482,500.3			Rs.	315,031.3			Rs.	2,760,058.4
Non-performing			346.6				1,440.1				3,511.1				2,518.9				3,411.9				2,254.3				8,869.6				417.6				22,770.1
Subtotal		Rs.	2,778.0			Rs.	22,113.3			Rs.	89,549.8			Rs.	158,430.1			Rs.	494,010.7			Rs.	1,209,127.8			Rs.	491,369.9			Rs.	315,448.9			Rs.	2,782,828.5
Retail business banking
Performing		Rs.	75,583.1			Rs.	58,914.7			Rs.	94,372.2			Rs.	185,698.6			Rs.	412,305.0			Rs.	600,147.3			Rs.	1,907,666.5			Rs.	—			Rs.	3,334,687.4
Non-performing			4,851.6				2,996.8				2,847.2				4,136.3				1,558.3				218.4				27,329.2				—				43,937.8
Subtotal		Rs.	80,434.7			Rs.	61,911.5			Rs.	97,219.4			Rs.	189,834.9			Rs.	413,863.3			Rs.	600,365.7			Rs.	1,934,995.7			Rs.	—			Rs.	3,378,625.2
Commercial vehicle and construction equipment finance
Performing		Rs.	3,981.3			Rs.	19,618.5			Rs.	49,030.6			Rs.	92,773.8			Rs.	277,461.6			Rs.	629,405.5			Rs.	191,792.7			Rs.	—			Rs.	1,264,064.0
Non-performing			398.0				2,582.1				4,491.4				4,696.0				3,053.3				763.8				5,839.2				—				21,823.8
Subtotal		Rs.	4,379.3			Rs.	22,200.6			Rs.	53,522.0			Rs.	97,469.8			Rs.	280,514.9			Rs.	630,169.3			Rs.	197,631.9			Rs.	—			Rs.	1,285,887.8
Housing loans
Performing		Rs.	394,712.3			Rs.	160,447.9			Rs.	143,037.0			Rs.	120,214.8			Rs.	167,130.4			Rs.	29,458.9			Rs.	—			Rs.	—			Rs.	1,015,001.3
Non-performing			4,031.5				1,206.1				358.8				180.2				123.3				0.4				—				—				5,900.3
Subtotal		Rs.	398,743.8			Rs.	161,654.0			Rs.	143,395.8			Rs.	120,395.0			Rs.	167,253.7			Rs.	29,459.3			Rs.	—			Rs.	—			Rs.	1,020,901.6
Other retail loans
Performing		Rs.	5,564.3			Rs.	10,063.3			Rs.	18,382.0			Rs.	42,416.7			Rs.	150,038.1			Rs.	603,873.8			Rs.	930,078.5			Rs.	—			Rs.	1,760,416.7
Non-performing			3,000.6				3,254.9				11,339.9				3,171.9				2,261.4				971.8				32,822.4			—					56,822.9
Subtotal		Rs.	8,564.9			Rs.	13,318.2			Rs.	29,721.9			Rs.	45,588.6			Rs.	152,299.5			Rs.	604,845.6			Rs.	962,900.9			Rs.	—			Rs.	1,817,239.6
Total		Rs.	510,417.8			Rs.	320,947.2			Rs.	507,416.1			Rs.	775,037.4			Rs.	1,818,009.0			Rs.	3,600,410.4			Rs.	3,658,893.5			Rs.	315,448.9			Rs.	11,506,580.3
Total		US$	6,210.2			US$	3,904.9			US$	6,173.7			US$	9,429.8			US$	22,119.6			US$	43,806.0			US$	44,517.5			US$	3,838.0			US$	139,999.7

Wholesale loans

Financing Receivable Credit Quality Indicators

The following table provides information on primary credit quality indicators as of March 31, 2022.

		Term loans by origination
Credit quality indicators-Internally assigned grade		Prior				2018				2019				2020				2021				2022				Revolving Loans				Total
		(In millions)
Wholesale loans
Pass		Rs.	5,289.7			Rs.	186,145.4			Rs.	195,703.7			Rs.	421,349.1			Rs.	1,006,687.4			Rs.	2,232,372.3			Rs.	984,145.8			Rs.	5,031,693.4
Labeled			—				3,297.2				5,164.1				1,632.6				4,045.0				11,447.4				9,808.5				35,394.8
Non-performing			569.7				4,666.1				5,833.7				361.1				479.0				1,301.6				18,709.9				31,921.1
Total		Rs.	5,859.4			Rs.	194,108.7			Rs.	206,701.5			Rs.	423,342.8			Rs.	1,011,211.4			Rs.	2,245,121.3			Rs.	1,012,664.2			Rs.	5,099,009.3

The following table provides information on primary credit quality indicators as of March 31, 2023.

		Term loans by origination
Credit quality indicators- Internally assigned grade		Prior				2019				2020				2021				2022				2023				Revolving Loans				Total
		(In millions)
Wholesale loans
Pass		Rs.	130,723.1			Rs.	135,400.3			Rs.	321,191.0			Rs.	708,309.0			Rs.	1,244,766.9			Rs.	1,471,254.9			Rs.	1,841,015.5			Rs.	5,852,660.7
Labeled			2,625.3				1,586.9				635.7				4,200.8				5,946.5				795.3				9,548.6				25,339.1
Non-performing			3,830.5				1,914.3				66.1				326.4				6,297.4				39.1				21,038.5				33,512.3
Total		Rs.	137,178.9			Rs.	138,901.5			Rs.	321,892.8			Rs.	712,836.2			Rs.	1,257,010.8			Rs.	1,472,089.3			Rs.	1,871,602.6			Rs.	5,911,512.1
Total		US$	1,669.0			US$	1,690.0			US$	3,916.4			US$	8,673.0			US$	15,294.0			US$	17,910.8			US$	22,771.7			US$	71,925.0

Receivable By Industry

Non-performing Financing Receivables

Non-performing loans by industry as of March 31, 2022 and March 31, 2023 are as follows:

		As of March 31, 2022
		(In millions)
Gross non-performing loans by industry:
— Consumer Loans		Rs.	35,554.7
— Agri Production—Food			23,569.7
— Retail Trade			15,124.1
— Agri Allied			13,255.0
— Road Transportation			12,961.6
— Consumer services			10,352.3
— Others (none greater than 5% of non-performing loans)			86,452.1
Total		Rs.	197,269.5

		As of March 31, 2023
		(In millions)
Gross non-performing loans by industry:
— Consumer Loans		Rs.	34,684.8			US$	422.0
— Agri Production—Food			28,222.2				343.4
— Retail Trade			15,044.4				183.0
— Agri Allied			13,426.1				163.4
— Consumer services			11,505.0				140.0
— Road Transportation			10,031.1				122.0
— Others (none greater than 5% of non-performing loans)			87,795.2				1,068.2
Total			Rs.200,708.8			US$	2,442.0

Summary information relating to interest income recognized on non-performing loans during the fiscal years ended March 31, 2021, March 31, 2022 and March 31, 2023 is as follows:

		Fiscal year ended March 31,
		2021				2022				2023				2023
		(In millions)
Interest income recognized on non-performing loans		Rs.	7,025.3			Rs.	11,881.0			Rs.	7,738.0			US$	94.1

X

- Definition

Tabular disclosure of allowance for credit loss on financing receivable.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
-URI https://asc.fasb.org/extlink&oid=123577603&loc=SL6953423-111524

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 50
-Paragraph 13
-URI https://asc.fasb.org/extlink&oid=124255953&loc=SL82919249-210447

+ Details

Name:	us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- 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.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 50
-Paragraph 5
-URI https://asc.fasb.org/extlink&oid=124255953&loc=SL82919230-210447

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 29
-URI https://asc.fasb.org/extlink&oid=123577603&loc=SL6953659-111524

+ Details

Name:	us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of impaired financing receivables.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-URI https://asc.fasb.org/extlink&oid=123577603&loc=d3e5212-111524

+ Details

Name:	us-gaap_ImpairedFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of aging analysis for financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 50
-Paragraph 14
-URI https://asc.fasb.org/extlink&oid=124255953&loc=SL82919253-210447

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7A
-URI https://asc.fasb.org/extlink&oid=123577603&loc=SL6953401-111524

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 55
-Paragraph 80
-URI https://asc.fasb.org/extlink&oid=124267575&loc=SL82922355-210448

Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7
-URI https://asc.fasb.org/extlink&oid=123577603&loc=d3e5111-111524

+ Details

Name:	us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- 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

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.3,4)
-URI https://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682

+ Details

Name:	us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of the annual minimum payments due from financing receivables, such as, but not limited to accounts, notes, loans, and other financing receivables.

+ References

No definition available.

+ Details

Name:	us-gaap_ScheduleOfFinancingReceivablesMinimumPaymentsTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivable modified as troubled debt restructuring.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 33
-URI https://asc.fasb.org/extlink&oid=123577603&loc=SL6953676-111524

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 34
-URI https://asc.fasb.org/extlink&oid=123577603&loc=SL6953682-111524

+ Details

Name:	us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Details

Name:	us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=hdb_ReceivableByIndustryMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type: