Consolidated Balance Sheet

at March 31, 2024

₹ in ‘000s

	Schedule	At 31.03.2024	At 31.03.2023
CAPITAL AND LIABILITIES
Capital	1	14,046,790	13,967,750
Employees stock options outstanding	1A	14,053,180	7,608,859
Reserves and surplus	2	2,533,338,376	2,123,401,284
Minority interest	2A	138,884,162	66,867,526
Deposits	3	14,435,799,524	12,108,321,521
Borrowings	4	2,074,280,008	1,890,618,073
Liabilities on policies in force		2,813,183,300	2,388,673,665
Other liabilities and provisions	5	1,617,044,935	985,446,292
TOTAL CAPITAL AND LIABILITIES		23,640,630,275	19,584,904,970

ASSETS
Cash and balances with Reserve Bank of India	6	899,430,231	686,489,413
Balances with banks and money at call and short notice	7	728,258,795	678,075,515
Investments	8	8,271,625,050	6,395,519,671
Advances	9	12,607,762,029	10,838,663,147
Fixed assets	10	132,402,763	109,690,036
Other assets	11	976,409,788	875,453,870
Goodwill on consolidation		24,741,619	1,013,318
TOTAL ASSETS		23,640,630,275	19,584,904,970

Contingent liabilities	12	57,578,163,337	50,359,511,032
Bills for collection		1,007,917,603	864,576,684
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 KKC & Associates LLP
Chartered Accountants
ICAI Firm Registration no.:
105146W/W100621

Vinit Jain
Partner
Membership no.: 145911

For and on behalf of the Board of Directors

Girish Chandra Chaturvedi
Chairman
DIN-00110996

Rakesh Jha
Executive Director
DIN-00042075

Anindya Banerjee
Group Chief Financial Officer

Uday M. Chitale
Director
DIN-00043268

Sandeep Batra
Executive Director
DIN-03620913

Prachiti Lalingkar
Company Secretary

Sandeep Bakhshi
Managing Director & CEO
DIN-00109206

Ajay Kumar Gupta
Executive Director
DIN-07580795

Rajendra Khandelwal
Chief Accountant

Mumbai
April 27, 2024

Integrated Report