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v3.25.2

Commitments and contingencies (Tables) | 12 Months Ended
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Mar. 31, 2025
Summary of Operating Lease Right of Use Asset and Lease Liability | The Bank is party to operating leases for certain of its office premises and employee residences, with a renewal at the option of the Bank. Operating lease right-of-use assets and lease liabilities were as follows:
|  | As of March 31, |
|  | 2024 |  |  | 2025 |  |  | 2025 |
|  |  |  |  | (In millions) |  |  |  |
Right-of-use assets |  | Rs. | 121,302.5 |  |  | Rs. | 142,297.4 |  |  | US$ | 1,665.7 |
Lease liabilities |  |  | 131,043.0 |  |  |  | 153,929.8 |  |  |  | 1,801.8 |
Operating Leases of Lessee Disclosure | The total lease expenses were as follows:
|  | As of March 31, |
|  | 2023 |  |  | 2024 |  |  | 2025 |  |  | 2025 |
|  | (In millions) |
The total minimum lease expense during the year recognized in the consolidated statement of income |  | Rs. | 17,591.4 |  |  | Rs. | 23,245.5 |  |  | Rs. | 27,720.1 |  |  | US$ | 324.5 |
Schedule of Future Minimum Rental Payments for Operating Leases | The future minimum lease payments as of March 31, 2025 were as follows:
Due in fiscal year ending March 31: |  | Operating leases |
|  | (In millions, except for weighted averages) |
2026 |  | Rs. | 24,150.2 |  |  | US$ | 282.7 |
2027 |  |  | 23,694.5 |  |  |  | 277.4 |
2028 |  |  | 23,148.0 |  |  |  | 271.0 |
2029 |  |  | 21,954.8 |  |  |  | 257.0 |
2030 |  |  | 20,622.4 |  |  |  | 241.4 |
Thereafter |  |  | 115,524.0 |  |  |  | 1,352.3 |
Total lease payments |  | Rs. | 229,093.9 |  |  | US$ | 2,681.8 |
Less: imputed interest |  |  | 75,164.1 |  |  |  | 880.0 |
Total operating lease liabilities |  | Rs. | 153,929.8 |  |  | US$ | 1,801.8 |
Weighted average remaining lease term (in years) |  |  | 10.2 |  |  |  | 10.2 |
Weighted average discount rate |  |  | 7.25 | % |  |  | 7.25 | %
Movement in Provision for Reward Points | The movement in provision for credit card and debit card reward points as of March 31, 2024 and March 31, 2025 is as follows:
|  | As of March 31, |
|  | 2024 |  |  | 2025 |  |  | 2025 |
|  | (In millions) |
Opening provision of reward points |  | Rs. | 6,963.2 |  |  | Rs. | 8,635.5 |  |  | US$ | 101.0 |
Provision made during the year |  |  | 7,921.1 |  |  |  | 9,335.1 |  |  |  | 109.3 |
Utilization/write back of provision |  |  | (6,248.8 | ) |  |  | (7,496.2 | ) |  |  | (87.7 | )
Effect of change in rate of accrual of reward points |  |  | — |  |  |  | — |  |  |  | — |
Closing provision of reward points |  | Rs. | 8,635.5 |  |  | Rs. | 10,474.4 |  |  | US$ | 122.6 |

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- Definition Tabular disclosure of undiscounted cash flows of lessee's operating lease liability. Includes, but is not limited to, reconciliation of undiscounted cash flows to operating lease liability recognized in statement of financial position. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 842 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Publisher FASB -URI https://asc.fasb.org/1943274/2147478964/842-20-50-6 + Details
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- Definition The entire disclosure for operating leases of lessee. Includes, but is not limited to, description of operating lease and maturity analysis of operating lease liability. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 842 -SubTopic 20 -Name Accounting Standards Codification -Publisher FASB -URI https://asc.fasb.org/842-20/tableOfContent + Details
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