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Deposits | 12 Months Ended
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Mar. 31, 2025
Deposits | 1 6 . Deposits Deposits include demand deposits, which are non-interest-bearing, and savings and time deposits, which are interest-bearing. Deposits as of March 31, 2024 and March 31, 2025 are as follows:
|  | As of March 31, |
|  | 2024 |  |  | 2025 |  |  | 2025 |
|  | (In millions) |
Interest-bearing: |  |  |  |  |  |  |  |  |  |  |  |
Savings deposits |  | Rs. | 5,987,449.1 |  |  | Rs. | 6,304,659.5 |  |  | US$ | 73,799.1 |
Time deposits |  |  | 14,700,957.1 |  |  |  | 17,689,697.7 |  |  |  | 207,066.6 |
Total interest-bearing deposits |  |  | 20,688,406.2 |  |  |  | 23,994,357.2 |  |  |  | 280,865.7 |
Non-interest-bearing deposits |  |  | 3,079,829.4 |  |  |  | 3,116,596.7 |  |  |  | 36,481.3 |
Total |  | Rs. | 23,768,235.6 |  |  | Rs. | 27,110,953.9 |  |  | US$ | 317,347.0 |
As of March 31, 2024 and March 31, 2025, time deposits of Rs. 10,598,905.6 million and Rs. 12,328,690.0 million, respectively, had a residual maturity of one year or less. The remaining deposits mature between one and ten years. As of March 31, 2024 and March 31, 2025, time deposits in excess of Rs.0.5 million aggregated Rs. 12,777,915.1 million and Rs. 15,657,927.8 million, respectively. As of March 31, 2025, the scheduled maturities for total time deposits were as follows:
|  | As of March 31, 2025 |
|  | (In millions) |
Due to mature in the fiscal year ending March 31: |  |  |  |  |  |  |  |
2026 |  | Rs. | 12,328,690.0 |  |  | US$ | 144,313.4 |
2027 |  |  | 3,205,064.6 |  |  |  | 37,516.9 |
2028 |  |  | 1,073,058.3 |  |  |  | 12,560.7 |
2029 |  |  | 466,507.6 |  |  |  | 5,460.7 |
2030 |  |  | 414,373.9 |  |  |  | 4,850.4 |
Thereafter |  |  | 202,003.3 |  |  |  | 2,364.5 |
Total |  | Rs. | 17,689,697.7 |  |  | US$ | 207,066.6 |

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- 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/1943274/2147478353/942-405-50-1 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 942 -SubTopic 210 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03(12)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Name Regulation S-K (SK) -Number 229 -Section 1406 -Paragraph e -Publisher SEC Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Name Regulation S-K (SK) -Number 229 -Section 1406 -Publisher SEC + Details
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