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Consolidated Profit And Loss Account

for the year ended March 31, 2023

in ‘000s
  Schedule Year ended
31.03.2023
Year ended
31.03.2022
I.  INCOME      
    Interest earned 13 1,210,668,098 954,068,654
    Other income 14 651,119,912 621,294,514
    TOTAL INCOME   1,861,788,010 1,575,363,168
       
II.  EXPENDITURE      
     Interest expended 15 505,433,879 411,666,711
     Operating expenses 16 824,390,232 731,517,275
     Provisions and contingencies (refer note 18.6)   187,333,629 174,340,856
     TOTAL EXPENDITURE   1,517,157,740 1,317,524,842
       
III.  PROFIT/(LOSS)      
     Net profit for the year (before share in profit of associates and minority interest)   344,630,270 257,838,326
     Add: Share of profit in associates   9,982,876 7,544,279
     Net profit for the year before minority interest   354,613,146 265,382,605
     Less: Minority interest   14,246,738 14,281,645
     Net profit after minority interest   340,366,408 251,100,960
     Profit brought forward   508,988,514 385,155,990
     TOTAL PROFIT/(LOSS)   849,354,922 636,256,950
       
IV.  APPROPRIATIONS/TRANSFERS      
      Transfer to Statutory Reserve   79,742,000 58,349,000
      Transfer to/(from) Reserve Fund   - -
      Transfer to Capital Reserve   878,200 15,742,037
      Transfer to Capital Redemption Reserve   - -
      Transfer to/(from) Investment Reserve Account   - -
      Transfer to/(from) Investment Fluctuation Reserve   1,043,810 3,828,798
      Transfer to Special Reserve   26,254,000 15,328,500
      Transfer to/(from) Revenue and other reserves   50,255,680 657,420
      Dividend paid during the year   34,794,463 13,852,335
      Balance carried over to balance sheet   656,386,769 528,498,860
      TOTAL   849,354,922 636,256,950
Significant accounting policies and notes to accounts 17 & 18    
Earnings per share (refer note 18.1)      
       Basic ()   48.86 36.21
       Diluted ()   47.84 35.44
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 KKC & Associates 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
 

Anup Bagchi
Executive Director
DIN-00105962

Anindya Banerjee
Group Chief Financial Officer

Uday M. Chitale
Director
DIN-00043268
 

Rakesh Jha
Executive Director
DIN-00042075

Prachiti Lalingkar
Company Secretary

Sandeep Bakhshi
Managing Director & CEO
DIN-00109206
 

Sandeep Batra
Executive Director
DIN-03620913

Rajendra Khandelwal
Chief Accountant

Mumbai
April 22, 2023