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Allowance for Credit Losses (Detail)
₨ in Millions, $ in Millions
12 Months Ended
Mar. 31, 2024
INR (₨)
Mar. 31, 2024
USD ($)
Mar. 31, 2023
INR (₨)
Mar. 31, 2022
INR (₨)
Mar. 31, 2024
USD ($)
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period ₨ 365,164.5 $ 4,381.6 ₨ 372,671.8 ₨ 343,528.7  
Allowance for credit losses on PCD Loans at acquisition 39,415.2 472.9      
Write-offs (128,987.2) (1,547.7) (137,863.7) (134,017.8)  
Net allowance for credit losses 181,754.0 [1] 2,180.9 [1] 130,356.4 [2] 163,160.9 [3]  
Allowance for credit losses, end of the period 457,346.5 $ 5,487.7 365,164.5 372,671.8  
Allowance for credit losses:          
Allowance individually evaluated for impairment 71,735.4   31,696.6 38,454.1 $ 860.7
Allowance collectively evaluated for impairment 385,611.1   333,467.9 334,217.7 4,627.0
Loans:          
Loans individually evaluated for impairment 110,714.5   37,061.8 44,738.1 1,328.4
Loans collectively evaluated for impairment 26,682,332.9   17,381,030.6 14,364,805.9 $ 320,162.4
Auto loans          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period 33,835.5   41,769.4 39,396.1  
Allowance for credit losses on PCD Loans at acquisition 0.0        
Write-offs (8,648.1)   (10,456.0) (19,376.9)  
Net allowance for credit losses 4,761.5 [1]   2,522.1 [2] 21,750.2 [3]  
Allowance for credit losses, end of the period 29,948.9   33,835.5 41,769.4  
Allowance for credit losses:          
Allowance individually evaluated for impairment 8.0   4.6 18.4  
Allowance collectively evaluated for impairment 29,940.9   33,830.9 41,751.0  
Loans:          
Loans individually evaluated for impairment 8.0   16.4 31.5  
Loans collectively evaluated for impairment 1,378,515.1   1,221,081.2 1,042,761.5  
Personal loans/Credit card          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period 99,634.4   111,566.4 110,081.0  
Allowance for credit losses on PCD Loans at acquisition 0.0        
Write-offs (74,794.1)   (88,744.9) (74,500.8)  
Net allowance for credit losses 92,159.3 [1]   76,812.9 [2] 75,986.2 [3]  
Allowance for credit losses, end of the period 116,999.6   99,634.4 111,566.4  
Allowance for credit losses:          
Allowance individually evaluated for impairment 1.0   0.0 6.5  
Allowance collectively evaluated for impairment 116,998.6   99,634.4 111,559.9  
Loans:          
Loans individually evaluated for impairment 1.0   0.8 29.4  
Loans collectively evaluated for impairment 3,119,245.7   2,782,827.7 2,341,942.4  
Retail business banking          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period 63,974.8   49,055.0 42,288.4  
Allowance for credit losses on PCD Loans at acquisition 0.0        
Write-offs (1,630.1)   (3,987.8) (3,027.7)  
Net allowance for credit losses 12,955.8 [1]   18,907.6 [2] 9,794.3 [3]  
Allowance for credit losses, end of the period 75,300.5   63,974.8 49,055.0  
Allowance for credit losses:          
Allowance individually evaluated for impairment 2,498.3   2,320.3 2,651.4  
Allowance collectively evaluated for impairment 72,802.2   61,654.5 46,403.6  
Loans:          
Loans individually evaluated for impairment 2,924.9   2,782.0 2,651.4  
Loans collectively evaluated for impairment 4,204,911.3   3,375,843.2 2,614,435.7  
Commercial vehicle and construction equipment finance          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period 31,130.6   31,750.9 26,356.7  
Allowance for credit losses on PCD Loans at acquisition 0.0        
Write-offs (9,796.1)   (15,270.1) (16,592.0)  
Net allowance for credit losses 10,761.6 [1]   14,649.8 [2] 21,986.2 [3]  
Allowance for credit losses, end of the period 32,096.1   31,130.6 31,750.9  
Allowance for credit losses:          
Allowance individually evaluated for impairment 184.4   15.0 65.8  
Allowance collectively evaluated for impairment 31,911.7   31,115.6 31,685.1  
Loans:          
Loans individually evaluated for impairment 184.4   290.8 66.3  
Loans collectively evaluated for impairment 1,619,418.5   1,285,597.0 950,999.7  
Housing loans          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period 3,269.9   2,692.2 4,578.0  
Allowance for credit losses on PCD Loans at acquisition 2,927.9        
Write-offs (12,013.2)   (479.0) (601.6)  
Net allowance for credit losses 15,722.2 [1]   1,056.7 [2] (1,284.2) [3]  
Allowance for credit losses, end of the period 9,906.8   3,269.9 2,692.2  
Allowance for credit losses:          
Allowance individually evaluated for impairment 0.0   0.0 0.0  
Allowance collectively evaluated for impairment 9,906.8   3,269.9 2,692.2  
Loans:          
Loans individually evaluated for impairment 0.0   0.0 0.0  
Loans collectively evaluated for impairment 6,993,168.0   1,020,901.6 830,882.4  
Other retail          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period 72,012.4   61,437.0 49,229.2  
Allowance for credit losses on PCD Loans at acquisition 0.0        
Write-offs (18,530.4)   (15,769.9) (17,567.4)  
Net allowance for credit losses 26,971.8 [1]   26,345.3 [2] 29,775.2 [3]  
Allowance for credit losses, end of the period 80,453.8   72,012.4 61,437.0  
Allowance for credit losses:          
Allowance individually evaluated for impairment 156.8   92.1 92.3  
Allowance collectively evaluated for impairment 80,297.0   71,920.3 61,344.7  
Loans:          
Loans individually evaluated for impairment 156.8   92.3 126.6  
Loans collectively evaluated for impairment 2,271,874.4   1,817,147.3 1,526,607.8  
Wholesale loans          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period 61,306.9   74,400.9 71,599.3  
Allowance for credit losses on PCD Loans at acquisition 36,487.3        
Write-offs (3,575.2)   (3,156.0) (2,351.4)  
Net allowance for credit losses (18,421.8) [1]   (9,938.0) [2] 5,153.0 [3]  
Allowance for credit losses, end of the period 112,640.8   61,306.9 74,400.9  
Allowance for credit losses:          
Allowance individually evaluated for impairment 68,886.9   29,264.6 35,619.7  
Allowance collectively evaluated for impairment 43,753.9   32,042.3 38,781.2  
Loans:          
Loans individually evaluated for impairment 107,439.4   33,879.5 41,832.9  
Loans collectively evaluated for impairment ₨ 7,095,199.9   ₨ 5,877,632.6 ₨ 5,057,176.4  
[1] Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs. 48,690.9 million (US$ 584.3 million). Recoveries from retail loans is Rs. 44,432.2 million and from wholesale loans is Rs. 4,258.7 million.
[2] Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs. 56,142.6 million. Recoveries from retail loans is Rs. 53,374.2 million and from wholesale loans is Rs. 2,768.4 million.
[3] 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.