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Deposits

12 Months Ended

Mar. 31, 2024

Deposits

15. Deposits

Deposits include demand deposits, which are non-interest-bearing, and savings and time deposits, which are interest-bearing. Deposits as of March 31, 2023 and March 31, 2024 were as follows:

		As of March 31,
		2023				2024				2024
		(In millions)
Interest-bearing:
Savings deposits		Rs.	5,624,911.4			Rs.	5,987,449.1			US$	71,843.6
Time deposits			10,472,547.9				14,700,957.1				176,397.4
Total interest-bearing deposits			16,097,459.3				20,688,406.2				248,241.0
Non-interest-bearing deposits			2,729,176.3				3,079,829.4				36,955.0
Total		Rs.	18,826,635.6			Rs.	23,768,235.6			US$	285,196.0

As of March 31, 2023 and March 31, 2024, time deposits of Rs. 7,121,444.9 million and Rs. 10,598,905.6 million, respectively, had a residual maturity of one year or less. The remaining deposits mature between one and ten years.

As of March 31, 2023 and March 31, 2024, time deposits in excess of Rs.0.5 million aggregated Rs. 9,127,675.3 million and Rs. 12,777,915.1 million, respectively.

As of March 31, 2024, the scheduled maturities for total time deposits were as follows:

		As of March 31, 2024
		(In millions)
Due to mature in the fiscal year ending March 31:
2025		Rs.	10,598,905.6			US$	127,176.7
2026			2,030,231.8				24,360.8
2027			972,634.2				11,670.7
2028			495,929.0				5,950.7
2029			365,318.4				4,383.5
Thereafter			237,938.1				2,855.0
Total		Rs.	14,700,957.1			US$	176,397.4

X

- Definition

The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-SubTopic 405
-Topic 942
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481047/942-405-50-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph (e)
-Publisher SEC

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Publisher SEC

Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.12)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1

+ Details

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