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Consolidated Profit And Loss Accounts

for the year ended March 31, 2022

₹ in ‘000s

	Schedule	Year ended 31.03.2022	Year ended 31.03.2021
I. INCOME
Interest earned	13	954,068,654	891,626,638
Other income	14	621,294,514	720,295,282
TOTAL INCOME		1,575,363,168	1,611,921,920

II. EXPENDITURE
Interest expended	15	411,666,711	426,590,874
Operating expenses	16	731,517,275	762,716,696
Provisions and contingencies (refer note 18.6)		174,340,856	220,417,554
TOTAL EXPENDITURE		1,317,524,842	1,409,725,124

III. PROFIT/(LOSS)
Net profit for the year (before share in profit of associates and minority interest)		257,838,326	202,196,796
Add: Share of profit in associates		7,544,279	1,442,857
Net profit for the year before minority interest		265,382,605	203,639,653
Less: Minority interest		14,281,645	19,796,467
Net profit after minority interest		251,100,960	183,843,186
Profit brought forward		385,155,990	267,999,958
TOTAL PROFIT/(LOSS)		636,256,950	451,843,144

IV. APPROPRIATIONS/TRANSFERS
Transfer to Statutory Reserve		58,349,000	40,482,000
Transfer to/(from) Reserve Fund		-	(77,638)
Transfer to Capital Reserve		15,742,037	1,302,300
Transfer to Capital Redemption Reserve		-	-
Transfer to/(from) Investment Reserve Account		-	-
Transfer to/(from) Investment Fluctuation Reserve		3,828,798	(2,495,799)
Transfer to Special Reserve		15,328,500	10,943,500
Transfer to/(from) Revenue and other reserves		657,420	16,532,790
Dividend paid during the year		13,852,335	-
Balance carried over to balance sheet		528,498,860	385,155,990
TOTAL		636,256,950	451,843,144
Significant accounting policies and notes to accounts	17 & 18
Earnings per share (refer note 18.1)
Basic (₹)		36.21	27.26
Diluted (₹)		35.44	26.83
Face value per share (₹)		2.00	2.00

The Schedules referred to above form an integral part of the Consolidated Profit and Loss Account.

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