Profit and loss Account

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	863,745,452	791,182,710
Other income	14	185,175,299	189,685,274
TOTAL INCOME		1,048,920,751	980,867,984

II. EXPENDITURE
Interest expended	15	389,084,507	401,288,374
Operating expenses	16	267,333,160	215,608,340
Provisions and contingencies (refer note 18.41)		159,108,177	202,044,429
TOTAL EXPENDITURE		815,525,844	818,941,143

III. PROFIT/(LOSS)
Net profit/(loss) for the year		233,394,907	161,926,841
Profit brought forward		310,090,657	213,274,679
TOTAL PROFIT/(LOSS)		543,485,564	375,201,520

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 Revenue and other reserves		-	15,000,000
Transfer to Special Reserve		15,000,000	10,900,000
Dividend paid during the year		13,852,335	-
Balance carried over to balance sheet		436,713,394	310,090,657
TOTAL		543,485,564	375,201,520
Significant accounting policies and notes to accounts	17 & 18
Earnings per share (refer note 18.1)
Basic (₹)		33.66	24.01
Diluted (₹)		32.98	23.67
Face value per share (₹)		2.00	2.00

The Schedules referred to above form an integral part of the Standalone 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