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Loans (Tables)

12 Months Ended

Mar. 31, 2024

Loans by Facility

Loans by facility as of March 31, 2023 and March 31, 2024 were as follows:

		As of March 31,
		2023				2024				2024
		(In millions)
Retail loans:
Auto loans		Rs.	1,221,097.6			Rs.	1,378,523.1			US$	16,541.0
Personal loans/Credit cards			2,782,828.5				3,119,246.7				37,428.0
Retail business banking			3,378,625.2				4,207,836.2				50,490.0
Commercial vehicle and construction equipment finance			1,285,887.8				1,619,602.9				19,433.7
Housing loans			1,020,901.6				6,993,168.0				83,911.3
Other retail loans			1,817,239.6				2,272,031.2				27,262.1
Subtotal		Rs.	11,506,580.3			Rs.	19,590,408.1			US$	235,066.1
Wholesale loans		Rs.	5,911,512.1			Rs.	7,202,639.3			US$	86,424.7
Gross loans			17,418,092.4				26,793,047.4				321,490.8
Less: Allowance for credit losses			365,164.5				457,346.5				5,487.7
Total		Rs.	17,052,927.9			Rs.	26,335,700.9			US$	316,003.1

Financing Receivable, by Maturity

The maturity of gross loans as of March 31, 2024 is set out below:

		As of March 31, 2024
		Wholesale loans				Retail loans				Total
		(In millions)
Maturity profile of loans:
Within one year		Rs.	2,011,692.4			Rs.	4,191,712.5			Rs.	6,203,404.9
Over one year through five years			3,675,651.9				9,992,377.8				13,668,029.7
Over five years			1,515,295.0				5,406,317.8				6,921,612.8
Total		Rs.	7,202,639.3			Rs.	19,590,408.1			Rs.	26,793,047.4
Total		US$	86,424.7			US$	235,066.1			US$	321,490.8

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, 2023 and March 31, 2024.

		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

(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.

		As of March 31, 2024
		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.	6,083.8			Rs.	14,998.0			Rs.	1,357,441.3			Rs.	1,378,523.1			Rs.	14,998.0
Personal loans/Credit card			24,446.2				25,466.5				3,069,334.0				3,119,246.7				25,466.5
Retail business banking			12,571.8				53,355.4				4,141,909.0				4,207,836.2				53,355.4
Commercial vehicle and construction equipment finance			19,351.4				21,563.6				1,578,687.9				1,619,602.9				21,563.6
Housing loans			37,025.6				43,712.7				6,912,429.7				6,993,168.0				43,712.7
Other retail			26,479.0				61,520.0				2,184,032.2				2,272,031.2				61,520.0
Wholesale loans			35,202.1				106,827.7				7,060,609.5				7,202,639.3				106,827.7
Total		Rs.	161,159.9			Rs.	327,443.9			Rs.	26,304,443.6			Rs.	26,793,047.4			Rs.	327,443.9
Total		US$	1,933.8			US$	3,929.0			US$	315,628.0			US$	321,490.8			US$	3,929.0

(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. 35.4 billion.

Allowance for Credit Losses on Financing Receivables

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
		(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
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	)
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
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
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
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
Loans:
Individually evaluated loans			16.4				0.8				2,782.0				290.8				—				92.3				33,879.5				37,061.8
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

(*)  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.

Allowances for credit losses as of March 31, 2024 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.	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$	4,381.6
Allowance for credit losses on PCD Loans at acquisition			—				—				—				—				2,927.9				—				36,487.3				39,415.2				472.9
Write-offs			(8,648.1	)			(74,794.1	)			(1,630.1	)			(9,796.1	)			(12,013.2	)			(18,530.4	)			(3,575.2	)			(128,987.2	)			(1,547.7)
Net allowance for credit losses (*)			4,761.5				92,159.3				12,955.8				10,761.6				15,722.2				26,971.8				(18,421.8	)			181,754.0				2,180.9
Allowance for credit losses, end of the period		Rs.	29,948.9			Rs.	116,999.6			Rs.	75,300.5			Rs.	32,096.1			Rs.	9,906.8			Rs.	80,453.8			Rs.	112,640.8			Rs.	457,346.5				US$5,487.7
Allowance for credit losses:
Individually evaluated allowance		Rs.	8.0			Rs.	1.0			Rs.	2,498.3			Rs.	184.4			Rs.	—			Rs.	156.8			Rs.	68,886.9			Rs.	71,735.4			US$	860.7
Collectively evaluated allowance			29,940.9				116,998.6				72,802.2				31,911.7				9,906.8				80,297.0				43,753.9				385,611.1				4,627.0
Loans:
Individually evaluated loans			8.0				1.0				2,924.9				184.4				—				156.8				107,439.4				110,714.5				1,328.4
Collectively evaluated loans			1,378,515.1				3,119,245.7				4,204,911.3				1,619,418.5				6,993,168.0				2,271,874.4				7,095,199.9				26,682,332.9				320,162.4

(*) 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.

Interest on Loans by Facility

Interest on loans by facility are as follows:

		Fiscal year ended March 31,
		2022				2023				2024				2024
		(In millions)
Wholesale loans		Rs.	250,779.5			Rs.	363,842.1			Rs.	555,377.8			US$	6,664.0
Retail loans			807,146.1				987,975.9				1,617,982.2				19,414.2
Other loans			—				—				21,165.5				254.0
Total		Rs.	1,057,925.6			Rs.	1,351,818.0			Rs.	2,194,525.5			US$	26,332.2

Retail Loans

Financing Receivable Credit Quality Indicators

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

The following table provides information on primary credit quality indicators as of March 31, 2024:

		Term loans by origination
Credit quality indicators- Internally assigned grade		Prior				2020				2021				2022				2023				2024				Revolving loans				Revolving loans converted to term loans				Total
		(In millions)
Auto loans
Performing		Rs.	15,314.7			Rs.	40,203.8			Rs.	86,953.7			Rs.	198,895.3			Rs.	398,936.3			Rs.	540,605.2			Rs.	82,616.1			Rs.	—			Rs.	1,363,525.1
Non-performing			1,771.7				1,908.9				1,908.6				2,729.8				3,204.6				779.7				2,694.7				—				14,998.0
Subtotal		Rs.	17,086.4			Rs.	42,112.7			Rs.	88,862.3			Rs.	201,625.1			Rs.	402,140.9			Rs.	541,384.9			Rs.	85,310.8			Rs.	—			Rs.	1,378,523.1
Write off			1,376.8				1,913.2				1,683.1				1,835.8				1,688.5				150.7				—				—				8,648.1
Personal loans/Credit card
Performing		Rs.	4,198.8			Rs.	28,112.1			Rs.	62,604.2			Rs.	237,689.5			Rs.	642,360.7			Rs.	1,192,606.3			Rs.	560,472.3			Rs.	365,736.3			Rs.	3,093,780.2
Non-performing			726.8				1,486.5				1,668.2				3,127.9				5,912.5				2,544.9				9,674.2				325.5				25,466.5
Subtotal		Rs.	4,925.6			Rs.	29,598.6			Rs.	64,272.4			Rs.	240,817.4			Rs.	648,273.2			Rs.	1,195,151.2			Rs.	570,146.5			Rs.	366,061.8			Rs.	3,119,246.7
Write off			1,681.8				4,635.9				3,526.2				10,050.8				17,073.2				2,838.5				21,307.8				13,679.9				74,794.1
Retail business banking
Performing		Rs.	88,129.0			Rs.	62,739.9			Rs.	108,288.3			Rs.	317,668.3			Rs.	527,853.5			Rs.	701,602.8			Rs.	2,348,199.0			Rs.	—			Rs.	4,154,480.8
Non-performing			8,083.4				1,933.2				3,454.1				2,118.8				851.1				135.0				36,779.8				—				53,355.4
Subtotal		Rs.	96,212.4			Rs.	64,673.1			Rs.	111,742.4			Rs.	319,787.1			Rs.	528,704.6			Rs.	701,737.8			Rs.	2,384,978.8			Rs.	—			Rs.	4,207,836.2
Write off			1,163.3				298.8				138.6				19.7				0.2				—				9.5				—				1,630.1
Commercial vehicle and construction equipment finance
Performing		Rs.	9,984.2			Rs.	16,357.7			Rs.	33,797.5			Rs.	156,354.0			Rs.	456,722.6			Rs.	722,457.1			Rs.	202,366.2			Rs.	—			Rs.	1,598,039.3
Non-performing			2,628.4				1,628.6				2,641.9				3,588.5				4,859.6				1,204.9				5,011.7				—				21,563.6
Subtotal		Rs.	12,612.6			Rs.	17,986.3			Rs.	36,439.4			Rs.	159,942.5			Rs.	461,582.2			Rs.	723,662.0			Rs.	207,377.9			Rs.	—			Rs.	1,619,602.9
Write off			1,547.1				2,379.5				1,597.7				2,231.2				1,935.0				104.3				1.3				—				9,796.1
Housing loans
Performing		Rs.	1,351,187.2			Rs.	565,617.9			Rs.	735,921.2			Rs.	1,170,433.9			Rs.	1,476,703.5			Rs.	1,649,591.6			Rs.	—			Rs.	—			Rs.	6,949,455.3
Non-performing			22,222.3				6,506.8				5,569.9				4,869.8				3,804.6				739.3				—				—				43,712.7
Subtotal		Rs.	1,373,409.5			Rs.	572,124.7			Rs.	741,491.1			Rs.	1,175,303.7			Rs.	1,480,508.1			Rs.	1,650,330.9			Rs.	—			Rs.	—			Rs.	6,993,168.0
Write off			11,133.4				759.5				105.6				7.5				7.2				—				—				—				12,013.2
Other retail loans
Performing		Rs.	9,040.5			Rs.	9,538.8			Rs.	18,091.4			Rs.	53,746.1			Rs.	200,858.5			Rs.	721,107.1			Rs.	1,198,128.8			Rs.	—			Rs.	2,210,511.2
Non-performing			3,885.2				1,892.0				2,161.5				2,405.6				4,053.3				3,129.2				43,993.2				—				61,520.0
Subtotal		Rs.	12,925.7			Rs.	11,430.8			Rs.	20,252.9			Rs.	56,151.7			Rs.	204,911.8			Rs.	724,236.3			Rs.	1,242,122.0			Rs.	—			Rs.	2,272,031.2
Write off			1,857.3				4,453.7				1,567.6				2,088.9				3,505.0				538.8				4,519.1				—				18,530.4
Total		Rs.	1,517,172.2			Rs.	737,926.2			Rs.	1,063,060.5			Rs.	2,153,627.5			Rs.	3,726,120.8			Rs.	5,536,503.1			Rs.	4,489,936.0			Rs.	366,061.8			Rs.	19,590,408.1
Total		US$	18,204.6			US$	8,854.4			US$	12,755.7			US$	25,841.5			US$	44,709.9			US$	66,432.7			US$	53,874.9			US$	4,392.4			US$	235,066.1
Total (Write Off)		Rs.	18,759.7			Rs.	14,440.6			Rs.	8,618.8			Rs.	16,233.9			Rs.	24,209.1			Rs.	3,632.3			Rs.	25,837.7			Rs.	13,679.9			Rs.	125,412.0
Total (Write Off)		US$	225.1			US$	173.3			US$	103.4			US$	194.8			US$	290.5			US$	43.6			US$	310.0			US$	164.1			US$	1,504.8

Wholesale loans

Financing Receivable Credit Quality Indicators

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

The following table provides information on primary credit quality indicators as of March 31, 2024.

		Term loans by origination
Credit quality indicators- Internally assigned grade		Prior				2020				2021				2022				2023				2024				Revolving Loans				Total
		(In millions)
Wholesale loans
Pass		Rs.	186,460.1			Rs.	264,241.1			Rs.	560,195.2			Rs.	957,023.5			Rs.	1,200,992.0			Rs.	2,071,787.5			Rs.	1,773,221.5			Rs.	7,013,920.9
Labeled			14,723.3				757.2				17,488.3				14,588.1				16,225.0				11,623.4				6,485.4				81,890.7
Non-performing			45,730.4				3,725.9				14,614.8				8,719.0				5,017.9				7,133.1				21,886.6				106,827.7
Total		Rs.	246,913.8			Rs.	268,724.2			Rs.	592,298.3			Rs.	980,330.6			Rs.	1,222,234.9			Rs.	2,090,544.0			Rs.	1,801,593.5			Rs.	7,202,639.3
Total Write off		Rs.	2,585.0			Rs.	264.3			Rs.	—			Rs.	—			Rs.	481.5			Rs.	—			Rs.	244.4			Rs.	3,575.2
Total		US$	2,962.7			US$	3,224.4			US$	7,107.0			US$	11,763.0			US$	14,665.6			US$	25,084.5			US$	21,617.5			US$	86,424.7
Total (Write Off)		US$	31.0			US$	3.2			US$	—			US$	—			US$	5.8			US$	—			US$	2.9			US$	42.9

Receivable By Industry

Non-performing Financing Receivables

Non-performing loans by industry as of March 31, 2023 and March 31, 2024 are as follows:

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

		As of March 31, 2024
		(In millions)
Gross non-performing loans by industry:
— Consumer Loans		Rs.	68,976.4			US$	827.7
— Real Estate & Property services			65,195.3				782.3
—Agri Production—Food			30,493.3				365.9
— Others (none greater than 5% of non-performing loans)			162,778.9				1,953.1
Total		Rs.	327,443.9			US$	3,929.0

Summary information relating to interest income recognized on non-performing loans during the fiscal years ended March 31, 2022, March 31, 2023 and March 31, 2024 is as follows:

		Fiscal year ended March 31,
		2022				2023				2024				2024
		(In millions)
Interest income recognized on non-performing loans			Rs. 11,881.0				Rs. 7,738.0				Rs. 9,675.9			US$	116.1

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