Consolidated Balance Sheet

at March 31, 2022

₹ in ‘000s

	Schedule	At 31.03.2022	At 31.03.2021
CAPITAL AND LIABILITIES
Capital	1	13,899,662	13,834,104
Employees stock options outstanding		2,664,141	31,010
Reserves and surplus	2	1,803,961,070	1,562,009,891
Minority interest	2A	59,808,935	95,883,393
Deposits	3	10,913,657,932	9,599,400,180
Borrowings	4	1,616,026,828	1,438,999,393
Liabilities on policies in force		2,288,271,963	2,031,800,413
Other liabilities and provisions	5	828,083,306	996,164,062
TOTAL CAPITAL AND LIABILITIES		17,526,373,837	15,738,122,446

ASSETS
Cash and balances with Reserve Bank of India	6	602,287,069	463,022,049
Balances with banks and money at call and short notice	7	1,228,972,763	1,012,683,253
Investments	8	5,670,977,180	5,365,786,165
Advances	9	9,203,081,390	7,918,013,918
Fixed assets	10	106,054,107	108,092,581
Other assets	11	713,988,010	869,447,777
Goodwill on consolidation		1,013,318	1,076,703
TOTAL ASSETS		17,526,373,837	15,738,122,446

Contingent liabilities	12	45,523,411,167	30,213,442,288
Bills for collection		752,325,958	548,463,817
Significant accounting policies and notes to accounts	17 & 18

The Schedules referred to above form an integral part of the Consolidated Balance Sheet.

As per our Report of even date.

For M S K A & Associates
Chartered Accountants
ICAI Firm Registration no.:
105047W

Tushar Kurani
Partner
Membership no.: 118580

For Khimji Kunverji & Co LLP
Chartered Accountants
ICAI Firm Registration no.:
105146W/W100621

Gautam Shah
Partner
Membership no.: 117348

For and on behalf of the Board of Directors

Girish Chandra Chaturvedi
Chairman
DIN-00110996

Vishakha Mulye
Executive Director
DIN-00203578

Rakesh Jha
Group Chief Financial Officer

Uday M. Chitale
Director
DIN-00043268

Anup Bagchi
Executive Director
DIN-00105962

Ranganath Athreya
Company Secretary

Sandeep Bakhshi
Managing Director & CEO
DIN-00109206

Sandeep Batra
Executive Director
DIN-03620913

Rajendra Khandelwal
Chief Accountant

Mumbai
April 23, 2022