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v3.25.2

Concentrations of credit risk (Tables) - Exposure to ten largest borrowers | 12 Months Ended
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Mar. 31, 2025
Schedules of Concentration of Risk, by Risk Factor | The Bank’s portfolio of loans, credit substitute securities and non-funded exposure (including derivatives) is broadly diversified along industry and product lines, and as of March 31, 2024 and March 31, 2025, the exposures are as set forth below.
|  | As of March 31, 2024 |
Category |  | Gross loans |  |  | Fair value of credit substitutes |  |  | Non-funded exposure |  |  | Total |  |  | % |
|  | (In millions, except percentages) |  |  |  |
Consumer Loans |  | Rs. | 10,191,521.5 |  |  | Rs. | — |  |  | Rs. | 468.1 |  |  | Rs. | 10,191,989.6 |  |  |  | 35.1 |
NBFC |  |  | 1,725,559.7 |  |  |  | 20,585.6 |  |  |  | 5,153.7 |  |  |  | 1,751,299.0 |  |  |  | 6.0 |
Retail Trade |  |  | 1,085,962.9 |  |  |  | — |  |  |  | 56,822.6 |  |  |  | 1,142,785.5 |  |  |  | 3.9 |
Real Estate & Property Services |  |  | 1,070,220.3 |  |  |  | 3,495.0 |  |  |  | 57,556.4 |  |  |  | 1,131,271.7 |  |  |  | 3.9 |
Consumer Services |  |  | 860,297.1 |  |  |  | — |  |  |  | 35,933.7 |  |  |  | 896,230.8 |  |  |  | 3.1 |
Power |  |  | 770,473.1 |  |  |  | 37,706.9 |  |  |  | 63,452.3 |  |  |  | 871,632.3 |  |  |  | 3.0 |
Infrastructure Development |  |  | 450,183.2 |  |  |  | 6,716.0 |  |  |  | 336,982.5 |  |  |  | 793,881.7 |  |  |  | 2.7 |
Food and Beverage |  |  | 712,895.6 |  |  |  | 1,405.1 |  |  |  | 59,163.2 |  |  |  | 773,463.9 |  |  |  | 2.7 |
Road Transportation |  |  | 741,738.6 |  |  |  | — |  |  |  | 11,160.3 |  |  |  | 752,898.9 |  |  |  | 2.6 |
Others (none greater than 2%) |  |  | 9,184,195.4 |  |  |  | 61,578.3 |  |  |  | 1,477,275.2 |  |  |  | 10,723,048.9 |  |  |  | 37.0 |
Total |  | Rs. | 26,793,047.4 |  |  | Rs. | 131,486.9 |  |  | Rs. | 2,103,968.0 |  |  | Rs. | 29,028,502.3 |  |  |  | 100.0 |
|  | As of March 31, 2025 |
Category |  | Gross loans |  |  | Fair value of credit substitutes |  |  | Non-funded exposure |  |  | Total |  |  | Total |  |  | % |
|  | (In millions, except percentages) |
Consumer Loans |  | Rs. | 10,435,520.6 |  |  | Rs. | — |  |  | Rs. | 252.5 |  |  | Rs. | 10,435,773.1 |  |  | US$ | 122,155.8 |  |  |  | 33.3 |
NBFC |  |  | 1,650,812.6 |  |  |  | 50,076.1 |  |  |  | 1,035.1 |  |  |  | 1,701,923.8 |  |  |  | 19,921.9 |  |  |  | 5.4 |
Retail Trade |  |  | 1,107,102.6 |  |  |  | — |  |  |  | 56,842.4 |  |  |  | 1,163,945.0 |  |  |  | 13,624.5 |  |  |  | 3.7 |
Real Estate & Property Services |  |  | 1,168,287.2 |  |  |  | — |  |  |  | 62,855.1 |  |  |  | 1,231,142.3 |  |  |  | 14,411.1 |  |  |  | 3.9 |
Consumer Services |  |  | 1,017,874.2 |  |  |  | — |  |  |  | 45,155.5 |  |  |  | 1,063,029.7 |  |  |  | 12,443.3 |  |  |  | 3.4 |
Power |  |  | 769,686.4 |  |  |  | 24,160.8 |  |  |  | 102,143.7 |  |  |  | 895,990.9 |  |  |  | 10,488.0 |  |  |  | 2.8 |
Wholesale Trade - Non Industrial |  |  | 643,909.8 |  |  |  | — |  |  |  | 36,548.1 |  |  |  | 680,457.9 |  |  |  | 7,965.1 |  |  |  | 2.2 |
Wholesale Trade - Industrial |  |  | 574,318.0 |  |  |  | — |  |  |  | 101,287.4 |  |  |  | 675,605.4 |  |  |  | 7,908.3 |  |  |  | 2.1 |
Iron and Steel |  |  | 554,444.4 |  |  |  | 20,404.6 |  |  |  | 92,993.8 |  |  |  | 667,842.8 |  |  |  | 7,817.4 |  |  |  | 2.1 |
Engineering |  |  | 447,424.3 |  |  |  | 2,484.2 |  |  |  | 203,246.4 |  |  |  | 653,154.9 |  |  |  | 7,645.5 |  |  |  | 2.1 |
Infrastructure Development |  |  | 362,910.9 |  |  |  | 8,937.8 |  |  |  | 359,503.4 |  |  |  | 731,352.1 |  |  |  | 8,560.8 |  |  |  | 2.3 |
Agri-Allied |  |  | 627,426.4 |  |  |  | — |  |  |  | 5,066.2 |  |  |  | 632,492.6 |  |  |  | 7,403.6 |  |  |  | 2.0 |
Food and Beverage |  |  | 760,841.6 |  |  |  | — |  |  |  | 59,838.4 |  |  |  | 820,680.0 |  |  |  | 9,606.5 |  |  |  | 2.6 |
Road Transportation |  |  | 815,518.6 |  |  |  | — |  |  |  | 14,315.2 |  |  |  | 829,833.8 |  |  |  | 9,713.6 |  |  |  | 2.6 |
Others (none greater than 2%) |  |  | 7,702,733.5 |  |  |  | 55,116.1 |  |  |  | 1,501,008.6 |  |  |  | 9,258,858.2 |  |  |  | 108,379.5 |  |  |  | 29.5 |
Total |  | Rs. | 28,638,811.1 |  |  | Rs. | 161,179.6 |  |  | Rs. | 2,642,091.8 |  |  | Rs. | 31,442,082.5 |  |  | US$ | 368,044.9 |  |  |  | 100.0 |
Fair Value, Concentration of Risk | The Bank’s ten largest exposures as of March 31, 2024 and March 31, 2025, based on the higher of the outstanding balance or the limit on loans, investments (including credit substitutes) and non-funded exposures (including derivatives), are as follows:
|  | As of March 31, 2024 |
|  | Funded Exposure |  |  | Non-Funded Exposure |  |  | Total Exposure |
|  | (In millions) |
Borrower 1 |  | Rs. | 301,241.8 |  |  | Rs. | — |  |  | Rs. | 301,241.8 |
Borrower 2 |  |  | 276,973.5 |  |  |  | 1,200.0 |  |  |  | 278,173.5 |
Borrower 3 |  |  | 220,801.0 |  |  |  | — |  |  |  | 220,801.0 |
Borrower 4 |  |  | 214,755.0 |  |  |  | 42.5 |  |  |  | 214,797.5 |
Borrower 5 |  |  | 212,970.4 |  |  |  | — |  |  |  | 212,970.4 |
Borrower 6 |  |  | 187,963.3 |  |  |  | 200.0 |  |  |  | 188,163.3 |
Borrower 7 |  |  | 175,000.0 |  |  |  | 28.1 |  |  |  | 175,028.1 |
Borrower 8 |  |  | 163,105.7 |  |  |  | 5,893.4 |  |  |  | 168,999.1 |
Borrower 9 |  |  | 47,933.7 |  |  |  | 112,605.5 |  |  |  | 160,539.2 |
Borrower 10 |  |  | 145,250.0 |  |  |  | 21.0 |  |  |  | 145,271.0 |
|  | As of March 31, 2025 |
|  | Funded Exposure |  |  | Non-Funded Exposure |  |  | Total Exposure |  |  | Total Exposure |
|  |  |  |  | (In millions) |  |  |  |
Borrower 1 |  | Rs. | 263,155.5 |  |  | Rs. | 2,000.0 |  |  | Rs. | 265,155.5 |  |  | US$ | 3,103.8 |
Borrower 2 |  |  | 234,939.9 |  |  |  | — |  |  |  | 234,939.9 |  |  |  | 2,750.1 |
Borrower 3 |  |  | 227,914.3 |  |  |  | 200.0 |  |  |  | 228,114.3 |  |  |  | 2,670.2 |
Borrower 4 |  |  | 225,131.7 |  |  |  | — |  |  |  | 225,131.7 |  |  |  | 2,635.3 |
Borrower 5 |  |  | 205,523.2 |  |  |  | 1,702.3 |  |  |  | 207,225.5 |  |  |  | 2,425.7 |
Borrower 6 |  |  | 91,969.7 |  |  |  | 90,952.8 |  |  |  | 182,922.5 |  |  |  | 2,141.2 |
Borrower 7 |  |  | 176,019.5 |  |  |  | 12.5 |  |  |  | 176,032.0 |  |  |  | 2,060.5 |
Borrower 8 |  |  | 168,639.0 |  |  |  | 5,172.1 |  |  |  | 173,811.1 |  |  |  | 2,034.5 |
Borrower 9 |  |  | 63,492.5 |  |  |  | 101,444.6 |  |  |  | 164,937.1 |  |  |  | 1,930.7 |
Borrower 10 |  |  | 153,855.0 |  |  |  | 1,027.6 |  |  |  | 154,882.6 |  |  |  | 1,813.0 |

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- Definition Tabular disclosure of all significant concentrations of risk, including credit risk and market risk, arising from all financial instruments (as defined), whether from an individual counterparty or groups of counterparties. The disclosure concerning concentrations of risk may consist of the following information: (1) for concentrations of credit risk disclosure may include: (a) information about the (shared) activity, region, or economic characteristic that identifies the concentration, (b) the maximum amount of loss due to credit risk that, based on the gross fair value of the financial instrument, the entity would incur if parties to the financial instruments that make up the concentration failed completely to perform according to the terms of the contracts and the collateral or other security, if any, for the amount due proved to be of no value to the entity, (c) the policy of requiring collateral or other security to support financial instruments subject to credit risk, information about the entity's access to that collateral or other security, and the nature and a brief description of the collateral or other security supporting those financial instruments, and (d) the policy of entering into master netting arrangements to mitigate the credit risk of financial instruments, information about the arrangements for which the entity is a party, and a brief description of the terms of those arrangements, including the extent to which they would reduce the entity's maximum amount of loss due to credit risk and (2) for disclosure of quantitative information about the market risks of financial instruments that is consistent with the way the company manages or adjusts those risks, disclosure may include: (a) more details about current positions and perhaps activity during the period, (b) the hypothetical effects on comprehensive income (or net assets), or annual income, of several possible changes in market prices, (c) a gap analysis of interest rate re-pricing or maturity dates, (d) the duration of the financial instruments, (e) the entity's value at risk from derivatives and from other positions at the end of the reporting period and the average value at risk during the year, or (f) other ways of reporting quantitative information as internally developed. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 825 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 21 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482907/825-10-50-21 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 825 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 23 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482907/825-10-50-23 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 825 -SubTopic 10 -Section 50 -Paragraph 20 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482907/825-10-50-20 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 825 -SubTopic 10 -Section 50 -Paragraph 22 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482907/825-10-50-22 + Details
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