HDFC Bank Limited (HDB) 20-F 31 Jul 15 2015 FY Annual report (foreign) Financial data

Document and Entity Information

Document and Entity Information - Mar. 31, 2015 - shares	Total
Document Type	20-F
Amendment Flag	false
Document Period End Date	Mar. 31, 2015
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	FY
Trading Symbol	HDB
Entity Registrant Name	HDFC BANK LTD
Entity Central Index Key	1,144,967
Current Fiscal Year End Date	--03-31
Entity Well-known Seasoned Issuer	Yes
Entity Current Reporting Status	Yes
Entity Filer Category	Large Accelerated Filer
Entity Common Stock, Shares Outstanding	2,506,495,317

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
ASSETS:
Cash and cash equivalents	₨ 341,124.3	$ 5,474.6	₨ 370,835.2
Term placements	169,989.5	2,728.1	176,481.7
Investments held for trading, at fair value	61,292.8	983.7	65,077.9
Investments available for sale, at fair value [includes restricted investments of Rs. 670,603.5 and Rs. 721,933.3 (US$ 11,586.2), respectively]	1,504,412.8	24,144.1	908,824.3
Securities purchased under agreements to resell	1,592.6	25.6	57,322.6
Loans [net of allowance of Rs. 42,613.2 and Rs. 47,334.1 (US$ 759.6), respectively]	3,896,115	62,527.9	3,185,648.1
Accrued interest receivable	45,705	733.5	40,388.5
Property and equipment, net	33,355.9	535.3	31,369.1
Intangible assets, net	12	0.2	231
Goodwill	74,937.9	1,202.7	74,937.9
Other assets	130,478	2,094	214,291
Total assets	6,259,015.8	100,449.7	5,125,407.3
Liabilities:
Interest-bearing deposits	3,768,678.8	60,482.7	3,057,154.5
Non-interest-bearing deposits	733,032	11,764.3	612,845.6
Total deposits	4,501,710.8	72,247	3,670,000.1
Securities sold under repurchase agreements	50,000	802.4	0
Short-term borrowings	214,191.9	3,437.5	150,775.5
Accrued interest payable	32,689.5	524.6	27,734.7
Long-term debt	457,934.4	7,349.3	395,208.6
Accrued expenses and other liabilities	250,921.6	4,027.1	348,687.7
Total liabilities	₨ 5,507,448.2	$ 88,387.9	₨ 4,592,406.6
Commitments and contingencies (see note 27)
Shareholders' equity:
Equity shares: par value-Rs. 2.0 each; authorized 2,750,000,000 shares; issued and outstanding 2,399,050,435 shares and 2,506,495,317 shares, as of March 31, 2014 and March 31, 2015, respectively	₨ 5,013	$ 80.5	₨ 4,798.1
Additional paid-in capital	387,486.1	6,218.7	271,709.6
Retained earnings	228,804.4	3,672	175,105.9
Statutory reserve	118,122.2	1,895.7	91,883.5
Accumulated other comprehensive income (loss)	10,826.4	173.8	(11,590.4)
Total HDFC Bank Limited shareholders' equity	750,252.1	12,040.7	531,906.7
Noncontrolling interest in subsidiaries	1,315.5	21.1	1,094
Total shareholders' equity	751,567.6	12,061.8	533,000.7
Total liabilities and shareholders' equity	₨ 6,259,015.8	$ 100,449.7	₨ 5,125,407.3

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)₨ / sharesshares	Mar. 31, 2015USD ($)shares	Mar. 31, 2014INR (₨)₨ / sharesshares	Mar. 31, 2014USD ($)shares
Investments available for sale, at fair value, restricted investments	₨ 721,933.3	$ 11,586.2	₨ 670,603.5
Loans, allowance	₨ 47,334.1	$ 759.6	₨ 42,613.2	$ 683.9
Equity shares, par value | ₨ / shares	₨ 2		₨ 2
Equity shares, authorized	2,750,000,000	2,750,000,000	2,750,000,000	2,750,000,000
Equity shares, issued	2,506,495,317	2,506,495,317	2,399,050,435	2,399,050,435
Equity shares, outstanding	2,506,495,317	2,506,495,317	2,399,050,435	2,399,050,435

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME ₨ in Millions, $ in Millions		12 Months Ended
		Mar. 31, 2015INR (₨)₨ / shares	Mar. 31, 2015USD ($)$ / shares	Mar. 31, 2014INR (₨)₨ / shares	Mar. 31, 2013INR (₨)₨ / shares
Interest and dividend revenue:
Loans		₨ 388,264.7	$ 6,231.2	₨ 326,755.3	₨ 271,730.5
Trading securities		5,123.4	82.2	5,883.4	5,780
Available for sale securities		94,129.1	1,510.7	77,497.1	66,554.2
Other		13,270	213	12,075.5	9,813.8
Total interest and dividend revenue		500,787.2	8,037.1	422,211.3	353,878.5
Interest expense:
Deposits		227,321.9	3,648.2	187,574.7	163,092.7
Short-term borrowings		6,944.6	111.5	18,075	13,888.4
Long-term debt		29,948	480.6	23,976.6	19,556.9
Other		396.4	6.4	12.9	264
Total interest expense		264,610.9	4,246.7	229,639.2	196,802
Net interest revenue		236,176.3	3,790.4	192,572.1	157,076.5
Provision for credit losses		17,000.2	272.8	17,428.1	12,688
Net interest revenue after provision for credit losses		219,176.1	3,517.6	175,144	144,388.5
Non-interest revenue, net:
Fees and commissions		71,423.6	1,146.3	60,314.1	53,989.6
Trading securities gain/(loss), net		698.1	11.2	(345.1)	105
Realized gain/(loss) on sales of available for sale securities, net		5,167.9	82.9	1,755.7	2,227.8
Other than temporary impairment losses on available for sale securities		(1.8)	0	(664.7)	(1,546.3)
Foreign exchange transactions		9,358	150.2	9,010.5	9,727
Derivatives gain/(loss), net		(7,393)	(118.6)	119.5	241.9
Other, net		568.7	9.1	644.5	432.4
Total non-interest revenue, net		79,821.5	1,281.1	70,834.5	65,177.4
Total revenue, net		298,997.6	4,798.7	245,978.5	209,565.9
Non-interest expense:
Salaries and staff benefits		66,909.4	1,073.9	57,550.3	53,954.1
Premises and equipment		20,499.2	329	18,722.8	17,391.4
Depreciation and amortization		6,905.8	110.8	6,980.3	6,686.2
Administrative and other		50,439.6	809.6	39,436.2	37,254.9
Amortization of intangible assets		219	3.5	1,538.5	2,304.5
Total non-interest expense		144,973	2,326.8	124,228.1	117,591.1
Income before income tax		154,024.6	2,471.9	121,750.4	91,974.8
Income tax expense	[1]	54,519.9	875	42,304.2	29,840.1
Net income before noncontrolling interest		99,504.7	1,596.9	79,446.2	62,134.7
Less: Net income attributable to shareholders of noncontrolling interest		267	4.3	126.5	315.3
Net income attributable to HDFC Bank Limited		₨ 99,237.7	$ 1,592.6	₨ 79,319.7	₨ 61,819.4
Per share information:
Earnings per equity share-basic | (per share)		₨ 40.94	$ 0.66	₨ 33.18	₨ 26.18
Earnings per equity share-diluted | (per share)		40.55	0.65	32.94	25.91
Per ADS information (where 1 ADS represents 3 shares):
Earnings per ADS-basic | (per share)		122.82	1.98	99.54	78.54
Earnings per ADS-diluted | (per share)		121.65	1.95	98.82	77.73
Dividends declared per equity share | (per share)		₨ 8	$ 0.13	₨ 6.85	₨ 5.50
[1]	Does not include the deferred tax effects of unrealized gains and losses on available for sale securities that are included in accumulated other comprehensive income of Rs. (3,771.9) million, Rs. 6,310.3 million and Rs. (11,425.5) million for fiscals March 31, 2013, March 31, 2014 and March 31, 2015, respectively. Includes income tax effects on reclassification adjustment on gains and losses on available for sale securities included in net income reclassified from accumulated other comprehensive income of Rs. 103.8 million, Rs. 10.0 million and Rs. (69.5) million for fiscals March 31, 2013, March 31, 2014 and March 31, 2015, respectively. Further, pretax income and income tax expense are substantially from India.

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)	Mar. 31, 2013INR (₨)
Net income before noncontrolling interest	₨ 99,504.7	$ 1,596.9	₨ 79,446.2	₨ 62,134.7
Foreign currency translation reserve:
Net unrealized gain (loss) arising during the period [net of tax Rs, 38.7, nil and nil respectively]	92.9	1.5	211.5	60.9
Available for sale securities:
Net unrealized gain (loss) arising during the period [net of tax Rs. (11,425.5), Rs. 6,310.3 and Rs, (3,771.9) respectively]	22,188.9	356.1	(12,267.8)	7,853.4
Reclassification adjustment for net (gain)/ loss included in net income [net of tax Rs. (69.5), Rs. 10.0 and Rs. 103.8 respectively]	135	2.2	(19.5)	(216.1)
Other comprehensive income, net of tax	22,416.8	359.8	(12,075.8)	7,698.2
Total comprehensive income	121,921.5	1,956.7	67,370.4	69,832.9
Less: Comprehensive income attributable to shareholders of noncontrolling interest	267	4.3	126.5	315.3
Comprehensive income attributable to HDFC Bank Limited	₨ 121,654.5	$ 1,952.4	₨ 67,243.9	₨ 69,517.6

CONSOLIDATED STATEMENTS OF COM6

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Parenthetical) - INR (₨) ₨ in Millions	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2013
Net unrealized gain (loss) arising during the period, tax	₨ 38.7
Net unrealized gain (loss) arising during the period, tax	(11,425.5)	₨ 6,310.3	₨ (3,771.9)
Reclassification adjustment for net (gain)/loss included in net income, tax	₨ (69.5)	₨ 10	₨ 103.8

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - Entity [Domain] ₨ in Millions, $ in Millions		12 Months Ended
		Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)	Mar. 31, 2013INR (₨)
Cash flows from operating activities:
Net income before noncontrolling interest		₨ 99,504.7	$ 1,596.9	₨ 79,446.2	₨ 62,134.7
Adjustment to reconcile net income to net cash provided by operating activities
Provision for credit losses		17,000.2	272.8	17,428.1	12,688
Depreciation and amortization		6,905.8	110.8	6,980.3	6,686.2
Amortization of intangible assets		219	3.5	1,538.5	2,304.5
Amortization of deferred acquisition costs		5,232	84	3,569.3	3,748.7
Amortization of premium (discount) on investments		(331.3)	(5.3)	(1,015.2)	(886.8)
Other than temporary impairment losses on available for sale securities		1.8	0	664.7	1,546.3
Provision for deferred income taxes	[1]	(352.1)	(5.7)	(1,994.6)	(4,881.7)
Share-based compensation expense		9,138.8	146.7	5,495.5	4,533.7
Net realized (gain) loss on sale of available for sale securities		(5,167.9)	(82.9)	(1,755.7)	(2,227.8)
(Gain) loss on disposal of property and equipment, net		(111.5)	(1.8)	(27.1)	10.2
Exchange (gain) loss		(3,453.5)	(55.4)	(7,585.6)	(2,197.9)
Net change in:
Investments held for trading		3,785.1	60.7	27,645.6	(11,200.8)
Accrued interest receivable		(5,211.1)	(83.6)	(5,988.2)	(7,725.5)
Other assets		73,205.1	1,174.9	(75,437.9)	48,090.2
Accrued interest payable		4,762.5	76.4	(30,460.9)	6,201.2
Accrued expense and other liabilities		(95,770.5)	(1,537)	108,648.3	(47,309.7)
Net cash provided by operating activities		109,357.1	1,755	127,151.3	71,513.5
Cash flows from investing activities:
Net change in term placements		6,492.2	104.2	22,784	(49,169.2)
Activity in available for sale securities:
Purchases		(1,383,086.4)	(22,196.9)	(471,211.3)	(743,212.7)
Proceeds from sales		139,646.9	2,241.2	88,685.7	72,607.2
Maturities, prepayments and calls		687,313	11,030.5	476,119.7	470,598
Net change in repurchase options and reverse repurchase options		105,730	1,696.8	(195,322.6)	88,868.3
Loans purchased		(82,492.1)	(1,323.9)	(66,898.7)	(51,644)
Repayments on loans purchased		35,489.4	569.6	48,036.7	40,596.8
Increase in loans originated, net of principal collections		(672,149)	(10,787.1)	(669,463.7)	(503,662.9)
Additions to property and equipment		(8,913.7)	(143.1)	(9,728.5)	(9,994.1)
Proceeds from sale or disposal of property and equipment		329.2	5.3	127.3	43.1
Net cash used in investing activities		(1,171,640.5)	(18,803.4)	(776,871.4)	(684,969.5)
Cash flows from financing activities:
Net increase in deposits		824,928.2	13,239	708,925	493,240.6
Net increase (decrease) in short-term borrowings		61,577.6	988.2	477.7	33,123.4
Purchase of subsidiary shares from noncontrolling interest		(715.7)	(11.5)	(2,265.8)	0
Proceeds from issue of shares by a subsidiary to noncontrolling interests		340.8	5.5	162.4	34.6
Proceeds from issuance of long-term debt		104,257.6	1,673.2	146,341.9	162,705.7
Repayment of long-term debt		(49,324)	(791.6)	(51,063.9)	(45,875.4)
Proceeds from issuance of equity shares for options exercised		9,954.1	159.8	7,232.9	10,949.5
Proceeds from issuance of equity shares		97,227.9	1,560.4	0	0
Proceeds from application for issuance of equity shares for options exercised pending allotment		0	0	0	221.5
Payment of dividends and dividend tax		(19,300.5)	(309.7)	(15,372.6)	(11,787)
Net cash provided by financing activities		1,028,946	16,513.3	794,437.6	642,612.9
Effect of exchange rate changes on cash and cash equivalents		3,626.5	58.2	7,377.5	1,540.3
Net change in cash and cash equivalents		(29,710.9)	(476.9)	152,095	30,697.2
Cash and cash equivalents, beginning of year		370,835.2	5,951.5	218,740.2	188,043
Cash and cash equivalents, end of year		341,124.3	5,474.6	370,835.2	218,740.2
Supplementary cash flow information:
Interest paid		259,656.1	4,167.2	260,039.7	190,602.7
Income taxes paid		56,480.4	906.4	42,107.9	38,348.8
Non-cash investment activities
Payable for purchase of property and equipment		₨ 1,010.2	$ 16.2	₨ 814.6	₨ 1,074.4
[1]	Includes deferred income tax benefits on the amortization of intangible assets of Rs. 747.7 million, Rs. 495.6 million and Rs. 74.4 million for fiscals March 31, 2013, March 31, 2014 and March 31, 2015, respectively.

CONSOLIDATED STATEMENTS OF SHAR

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY ₨ in Millions, $ in Millions	INR (₨)	USD ($)	Equity SharesINR (₨)shares	Equity SharesUSD ($)shares	Additional Paid In CapitalINR (₨)	Additional Paid In CapitalUSD ($)	Advance Received Pending Allotment of SharesINR (₨)	Advance Received Pending Allotment of SharesUSD ($)	Retained EarningsINR (₨)	Retained EarningsUSD ($)	Statutory ReserveINR (₨)	[1]	Statutory ReserveUSD ($)	[1]	Accumulated Other Comprehensive Income (Loss)INR (₨)	Accumulated Other Comprehensive Income (Loss)USD ($)	Total HDFC Bank Limited Shareholders EquityINR (₨)	Total HDFC Bank Limited Shareholders EquityUSD ($)	Noncontrolling InterestINR (₨)	Noncontrolling InterestUSD ($)
Beginning Balance (in shares) at Mar. 31, 2012 | shares			2,346,688,270	2,346,688,270
Beginning Balance at Mar. 31, 2012	₨ 396,592.7		₨ 4,693.4		₨ 244,564.7		₨ 0		₨ 99,761.6		₨ 53,248.3				₨ (7,212.8)		₨ 395,055.2		₨ 1,537.5
Shares issued upon exercise of options (in shares) | shares			32,730,760	32,730,760
Shares issued upon exercise of options	10,949.5		₨ 65.4		10,884.1												10,949.5
Share-based compensation	4,533.7				4,533.7												4,533.7
Advances received pending allotment of shares	221.5						221.5										221.5
Dividends, including dividend tax	(11,787)								(11,787)								(11,787)
Change in ownership interest in subsidiary	0				(16.2)												(16.2)		16.2
Shares issued to noncontrolling interest	34.6																0		34.6
Transfer to statutory reserve	0								(17,020.7)		17,020.7						0
Net income	62,134.7								61,819.4								61,819.4		315.3
Net change in accumulated other comprehensive income	7,698.2														7,698.2		7,698.2
Ending Balance (in shares) at Mar. 31, 2013 | shares			2,379,419,030	2,379,419,030
Ending Balance at Mar. 31, 2013	470,377.9		₨ 4,758.8		259,966.3		221.5		132,773.3		70,269				485.4		468,474.3		1,903.6
Shares issued upon exercise of options (in shares) | shares			19,631,405	19,631,405
Shares issued upon exercise of options	7,232.9		₨ 39.3		7,415.1		(221.5)										7,232.9
Share-based compensation	5,495.5				5,495.5												5,495.5
Dividends, including dividend tax	(15,372.6)								(15,372.6)								(15,372.6)
Change in ownership interest in subsidiary	(2,265.8)				(1,167.3)												(1,167.3)		(1,098.5)
Shares issued to noncontrolling interest	162.4																0		162.4
Transfer to statutory reserve	0								(21,614.5)		21,614.5						0
Net income	79,446.2								79,319.7								79,319.7		126.5
Net change in accumulated other comprehensive income	(12,075.8)														(12,075.8)		(12,075.8)
Ending Balance (in shares) at Mar. 31, 2014 | shares			2,399,050,435	2,399,050,435
Ending Balance at Mar. 31, 2014	533,000.7		₨ 4,798.1		271,709.6		₨ 0		175,105.9		91,883.5				(11,590.4)		531,906.7		1,094
Shares issued upon exercise of options (in shares) | shares			22,700,740	22,700,740
Shares issued upon exercise of options	9,954.1		₨ 45.4		9,908.7												9,954.1
Shares issued in public offering (in shares) | shares			84,744,142	84,744,142
Shares issued in public offering	97,227.9		₨ 169.5		97,058.4												97,227.9
Share-based compensation	9,138.8				9,138.8												9,138.8
Dividends, including dividend tax	(19,300.5)								(19,300.5)								(19,300.5)
Change in ownership interest in subsidiary	(715.7)				(329.4)												(329.4)		(386.3)
Shares issued to noncontrolling interest	340.8																0		340.8
Transfer to statutory reserve	0								(26,238.7)		26,238.7						0
Net income	99,504.7	$ 1,596.9							99,237.7								99,237.7		267
Net change in accumulated other comprehensive income	22,416.8	359.8													22,416.8		22,416.8
Ending Balance (in shares) at Mar. 31, 2015 | shares			2,506,495,317	2,506,495,317
Ending Balance at Mar. 31, 2015	₨ 751,567.6	$ 12,061.8	₨ 5,013	$ 80.5	₨ 387,486.1	$ 6,218.7			₨ 228,804.4	$ 3,672	₨ 118,122.2		$ 1,895.7		₨ 10,826.4	$ 173.8	₨ 750,252.1	$ 12,040.7	₨ 1,315.5	$ 21.1
[1]	In terms of local regulations, the Bank is required to transfer 25% of its profit after tax (Indian GAAP) to a non-distributable statutory reserve and to meet certain other conditions in order to pay dividends without prior RBI approval

Bank overview

Bank overview	12 Months Ended
	Mar. 31, 2015
Bank overview	1. Bank overview HDFC Bank Limited (the “Bank”) was incorporated in August 1994 with its registered office in Mumbai, India. The Bank is a banking company governed by India’s Banking Regulation Act, 1949. The Bank’s shares are listed on the BSE Limited (formerly known as Bombay Stock Exchange Limited) and The National Stock Exchange of India Ltd., its American Depositary Shares (ADS) are listed on the New York Stock Exchange and its Global Depositary Receipts (GDR) are listed on the Luxembourg Stock Exchange. The Bank’s largest shareholder is Housing Development Finance Corporation Limited (“HDFC Limited”), which, along with its subsidiaries, owns 21.7% of the Bank’s equity as of March 31, 2015. The remainder of the Bank’s equity is widely held by the public and by foreign and Indian institutional investors. During the current fiscal, the Bank issued 22,000,000 ADS representing 66,000,000 equity shares at a price of US$ 57.76 per ADS. The Bank also allotted 18,744,142 equity shares pursuant to a qualified institutional placement (QIP) offering at a price of Rs. 1,067.0 per equity shares. The total number of shares issued pursuant to exercise of stock options during the period is 22,700,740 shares. The Bank’s principal business activities are retail banking, wholesale banking and treasury services. The Bank’s retail banking division provides a variety of deposit products as well as loans, credit cards, debit cards, third-party mutual funds and insurance, investment advisory services, depositary services, trade finance, foreign exchange and derivative services and sale of gold bars. Through its wholesale banking operations, the Bank provides loans, deposit products, documentary credits, guarantees, bullion trading, foreign exchange, and derivative products. It also provides cash management services, clearing and settlement services for stock exchanges, tax and other collections for the government, custody services for mutual funds and correspondent banking services. The Bank’s treasury group manages its debt securities and money market operations and its foreign exchange and derivative products.

Summary of significant accounti

Summary of significant accounting policies	12 Months Ended
	Mar. 31, 2015
Summary of significant accounting policies	2. Summary of significant accounting policies a. Principles of consolidation The consolidated financial statements include the accounts of HDFC Bank Limited and its subsidiaries. The Bank consolidates subsidiaries in which, directly or indirectly, it holds more than 50% of the voting rights or has control. Entities where the Bank holds 20% to 50% of the voting rights and/or has the ability to exercise significant influence are accounted for under the equity method. These investments are included in other assets and the Bank’s proportionate share of income or loss is included in Non-interest revenue, other. The Bank consolidates Variable Interest Entities (VIEs) where the Bank is determined to be the primary beneficiary under Financial Accounting Standard Board Accounting Standard Codification “FASB ASC” Topic 810 “Consolidations”. All significant inter-company accounts and transactions are eliminated on consolidation. b. Basis of presentation These financial statements have been prepared in accordance with the accounting principles generally accepted in the United States of America (“US GAAP”). US GAAP differs in certain material respects from accounting principles generally accepted in India, the requirements of India’s Banking Regulation Act 1949 and related regulations issued by the Reserve Bank of India (“RBI”) (collectively “Indian GAAP”), which form the basis of the statutory general purpose financial statements of the Bank in India. Principal differences, insofar as they relate to the Bank, include: determination of the allowance for credit losses, classification and valuation of investments, accounting for deferred income taxes, stock-based compensation, employee benefits, loan origination fees, derivative financial instruments, business combination and the presentation format and disclosures of the financial statements and related notes. c. Use of estimates The preparation of financial statements in conformity with US GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities at the date of these financial statements and the reported amounts of revenues and expenses for the years presented. Actual results could differ from these estimates. Material estimates included in these financial statements that are susceptible to change include the allowance for credit losses, the valuation of unquoted investments, other than temporary impairment, valuation of derivatives, stock-based compensation, unrecognized tax benefits and impairment assessment of goodwill. d. Cash and cash equivalents The Bank considers all highly liquid financial instruments, which are readily convertible into cash and have original maturities of three months or less on the date of purchase, to be cash equivalents. e. Customer acquisition costs Customer acquisition costs principally consist of commissions paid to third party referral agents who obtain retail loans and such costs are deferred and amortized as a yield adjustment over the life of the loans. Advertising and marketing expenses incurred to solicit new business are expensed as incurred. f. Investments in securities Investments consist of securities purchased as part of the Bank’s treasury operations, such as government securities and other debt and equity securities, and investments purchased as part of the Bank’s wholesale banking operations, such as credit substitute securities issued by the Bank’s wholesale banking customers. Credit substitute securities typically consist of commercial paper and short-term debentures issued by the same customers with whom the Bank has a lending relationship in its wholesale banking business. Investment decisions for credit substitute securities are subject to the same credit approval processes as for loans, and the Bank bears the same customer credit risk as it does for loans extended to those customers. Additionally, the yield and maturity terms are generally directly negotiated by the Bank with the issuer. As the Bank’s exposures to such securities are similar to its exposures on its loan portfolio, additional disclosures have been provided on impairment status in Note 8 and on concentrations of credit risk in Note 12. All other securities including mortgage and asset-backed securities are actively managed as part of the Bank’s treasury operations. The issuers of such securities are either government, public financial institutions or private issuers. These investments are typically purchased from the market, and debt securities are generally publicly rated. Securities that are held principally for resale in the near term are classified as held for trading (“HFT”) and are carried at fair value, with changes in fair value recorded in earnings. Debt securities that management has the positive intent and ability to hold to maturity are classified as held to maturity (“HTM”) and are carried at amortized cost. Equity securities with readily determinable fair values and all debt securities that are not classified as HTM or HFT are classified as available for sale (“AFS”) and are carried at fair value. Unrealized gains and losses on such securities, net of applicable taxes, are reported in accumulated other comprehensive income (loss), a separate component of shareholders’ equity. Fair values are based on market quotations where a market quotation is available or otherwise based on present values at current interest rates for such investments. Transfers between categories are recorded at fair value on the date of the transfer. g. Impairment of securities Declines in the fair values of held to maturity and available for sale securities below their carrying value that are other than temporary are reflected in earnings as realized losses, based on management’s best estimate of the fair value of the investment. The Bank identifies other than temporary declines based on an evaluation of all significant factors, including the length of time and extent to which fair value is less than carrying value and the financial condition and economic prospects of the issuer. Estimates of any declines in the fair values of credit substitute securities that are other than temporary are measured on a case-by-case basis together with loans to those customers. The Bank does not recognize an impairment for debt securities if the cause of the decline is related solely to interest rate increase and the Bank does not intend to sell the security and it is not more likely than not that the Bank will be required to sell the security before recovery of its amortized cost basis. h. Loans The Bank grants retail and wholesale loans to customers. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at their outstanding unpaid principal balances adjusted for an allowance for credit losses. Interest is accrued on the unpaid principal balance and is included in interest income and are classified as performing. Loans are generally placed on “non-accrual” status when interest or principal payments are past due for a specified period, at which time no further interest is accrued and overdue interest is written off against interest income. Interest income on loans placed on non-accrual status is recognized when received. Loans are returned to accrual status when all principal and interest amounts contractually due are brought current and future payments are reasonably assured. Loans are generally placed on “non-accrual” status when interest or principal payments are one quarter past due or considered impaired when, based on current information and events, it is probable that the Bank will be unable to collect scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. i. Allowance for credit losses The Bank provides an allowance for credit losses based on management’s best estimate of losses inherent in the loan portfolio which includes troubled debt restructuring. The allowance for credit losses consists of allowances for retail loans and wholesale loans. Retail The Bank’s retail loan loss allowance consists of specific and unallocated allowances. The Bank establishes a specific allowance on the retail loan portfolio based on factors such as the nature of the product, delinquency levels or the number of days the loan is past due and the nature of the security available. Additionally the Bank monitors loan to value ratios for loan against securities. The loans are charged off against allowances typically when the account becomes 150 to 1,083 days past due depending on the type of loan. The defined delinquency levels at which major loan types are charged off are 150 days past due for personal loans and credit card receivables, 180 days past due for auto loans, commercial vehicle and construction equipment finance, 720 days past due for housing loans and on a customer by customer basis in respect of retail business banking when management believes that any future cash flows from these loans are remote including realization of collateral, if applicable, and where any restructuring or any other settlement arrangements are not feasible. The Bank also records unallocated allowances for its retail loans by product type. The Bank’s retail loan portfolio is comprised of groups of large numbers of small value homogeneous loans. The Bank establishes an unallocated allowance for loans in each product group based on its estimate of the overall portfolio quality, asset growth, economic conditions and other risk factors. The Bank estimates its unallocated allowance for retail loans based on an internal credit slippage matrix, which measures the Bank’s historic losses for its standard loan portfolio. Subsequent recoveries, if any, against write-off cases, are adjusted to provision for credit losses in the consolidated statement of income. Wholesale The allowance for wholesale loans consists of specific and unallocated components. The allowance for such credit losses is evaluated on a regular basis by management and is based upon management’s view of the probability of recovery of loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, the estimated value of any underlying collateral, factors affecting the industry which the loan exposure relates to and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. Loans are charged off against the allowance when management believes that the loan balance cannot be recovered. Subsequent recoveries, if any, against write-off cases, are adjusted to provision for credit losses in the consolidated statement of income. The Bank grades its wholesale loan accounts considering both qualitative and quantitative criteria. Wholesale loans are considered impaired when, based on current information and events, it is probable that the Bank will be unable to collect scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, the financial condition of the borrower, the value of collateral held, and the probability of collecting scheduled principal and interest payments when due. The Bank establishes specific allowances for each impaired wholesale loan customer in the aggregate for all facilities, including term loans, cash credits, bills discounted and lease finance, based on either the present value of expected future cash flows discounted at the loan’s effective interest rate or the net realizable value of the collateral if the loan is collateral dependent. Wholesale loans that experience insignificant payment delays and payment shortfalls are generally not classified as impaired but are placed on a surveillance watch list and closely monitored for deterioration. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, market information, and the amount of the shortfall in relation to the principal and interest owed. The Bank has also established an unallocated allowance for wholesale standard loans based on the overall portfolio quality, asset growth, economic conditions and other risk factors. The Bank estimates its wholesale unallocated allowance based on an internal credit slippage matrix, which measures the Bank’s historic losses for its standard loan portfolio. j. Sales/transfer of receivables The Bank enters into assignment transactions, which are similar to asset-backed securitization transactions through the SPE route, except that such portfolios of receivables are assigned directly to the purchaser and are not represented by pass-through certificates. The Bank also sells finance receivables to special purpose entities (SPEs), formerly qualifying special purpose entities (QSPEs) in securitization transactions. Recourse is in the form of the Bank’s investment in subordinated securities issued by these SPEs, cash collateral and other credit and liquidity enhancements. The receivables are derecognized in the balance sheet when they are sold and consideration has been received by the Bank. Sales and transfers that do not meet the criteria for surrender of control are accounted for as secured borrowings. Effective April 1, 2010, upon adoption of ASU 2009-16, the Bank first makes a determination as to whether the securitization entity would be consolidated. Second, it determines whether the transfer of financial assets is considered a sale. Furthermore, former qualifying special purpose entities (QSPEs) are now considered VIEs and are no longer exempt from consolidation. The Bank consolidates VIEs when it has both: (1) power to direct activities of the VIE that most significantly impact the entity’s economic performance and (2) an obligation to absorb losses or right to receive benefits from the entity that could potentially be significant to the VIE. Gains or losses from the sale of receivables are recognized in the income statement in the period the sale occurs based on the relative fair value of the portion sold and the portion allocated to retained interests, and are reported net of the estimated cost of servicing by the Bank. Fair values are determined based on the present value of expected future cash flows, using best estimates for key assumptions, such as prepayment and discount rates, commensurate with the risk involved. k. Property and equipment Property and equipment are stated at cost, less accumulated depreciation. Depreciation is provided over the estimated useful lives of fixed assets on a straight-line basis at the following rates: Type of Asset Rate of depreciation Premises 1.63% Software and systems 20.00% Equipment and furniture 10.00%-33.33% For assets purchased and sold during the year, depreciation is provided on a pro rata basis by the Bank and capital advances are included in other assets. l. Impairment or disposal of tangible long-lived assets Whenever events or circumstances indicate that the carrying amount of tangible long lived assets may not be recoverable, the Bank subjects such long lived assets to a test of recoverability based on the undiscounted cash flows from use or disposition of the asset. Such events or circumstances would include changes in the market, technology obsolescence, adverse changes in profitability or regulation. If the asset is impaired, the Bank recognizes an impairment loss estimated as the difference between the carrying value and the net realizable value. m. Income tax Income tax expense/benefit consists of the current tax expenses and the net change in the deferred tax asset or liability in the year. Deferred tax assets and liabilities are recognized for the future tax consequences of temporary differences between the carrying values of assets and liabilities and their respective tax bases, and operating loss and tax credit carry forwards. Deferred tax assets are reduced by a valuation allowance subject to management’s judgment to the amount that is more likely than not to be realised. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which the temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in the income statement in the period of enactment of the change. Income tax benefits are recognized and measured based upon a two-step model: 1) a tax position must be more-likely-than-not to be sustained based solely on its technical merits in order to be recognized, and 2) the benefit is measured as the largest amount of that position that is more-likely-than-not to be sustained upon settlement. The difference between the benefit recognized for a position in accordance with this model and the tax benefit claimed on a tax return is referred to as an unrecognized tax benefit. The Bank’s policy is to include interest income, interest expense and penalties on overpayments and underpayment of income taxes within income tax expense in the consolidated statement of income. Interest income on overpayments of income taxes is recognized when the related matter is resolved. The Bank accounts for dividend distribution tax in equity in the year in which a dividend is declared. n. Revenue recognition Interest income from loans and from investments is recognized on an accrual basis using effective interest method when earned except in respect of loans or investments placed on non-accrual status, where it is recognized when received. Nominal loan application fees are charged which offset the related costs incurred. Fees and commissions from guarantees issued are amortized over the contractual period of the commitment, provided the amounts are collectible. Dividends from investments are recognized when declared. Realized gains and losses on sale of securities are recorded on the trade date and are determined using the weighted average cost method. Other fees and income are recognized when earned, which is when the service that results in the income has been provided. The Bank amortizes annual fees on credit cards over the contractual period of the fees. o. Foreign currency transactions The Bank’s functional currency is the Indian Rupee, except for the Bank’s foreign branches. Foreign currency transactions are recorded at the exchange rate prevailing on the date of the transaction. Foreign currency denominated monetary assets and liabilities are converted into respective functional currency using exchange rates prevailing on the balance sheet dates. Gains and losses arising on conversion of foreign currency denominated monetary assets and liabilities and on foreign currency transactions are included in the determination of net income. For the foreign branches, the assets, liabilities and operations are translated, for consolidation purposes, from functional currency of the foreign branch to the Indian Rupee reporting currency at period-end rates for assets and liabilities and at average rates for operations. The resulting unrealized gains or losses are reported as a component of accumulated other comprehensive income (OCI). p. Stock-based compensation The fair value of stock-based compensation is estimated on the date of each grant based on a pricing model. For further information, see note 22. q. Debt issuance costs Issuance costs of long-term debt are amortized over the tenure of the debt. r. Earnings per share Basic earnings per equity share have been computed by dividing net income by the weighted average number of equity shares outstanding for the period. Diluted earnings per equity share has been computed using the weighted average number of equity shares and dilutive potential equity shares outstanding during the period, using the treasury stock method, except where the result would be anti-dilutive. The Bank also reports basic and diluted earnings per ADS, where each ADS represents three equity shares. Earnings per ADS have been computed as earnings per equity share multiplied by the number of equity shares per ADS. A reconciliation of the number of shares used in computing earnings per share has been provided in Note 29. s. Segment information The Bank operates in three reportable segments, namely retail banking, wholesale banking and treasury services. Segment-wise information has been provided in Note 26. t. Derivative financial instruments The Bank recognizes all derivative instruments, including certain derivative instruments embedded in other contracts, as assets or liabilities in the balance sheet and measures them at fair value. The Bank has not designated any derivatives as hedges. As such, all changes in fair value of derivative instruments are recognized in net income in the period of change. The Bank enters into forward exchange contracts, currency swaps and currency options with its customers and typically transfers such customer exposures in the inter-bank foreign exchange markets. The Bank also enters into such instruments to cover its own foreign exchange exposures. All such instruments are carried at fair value, determined based on market quotations or market-based inputs. The Bank enters into interest rate swaps for its own account. The Bank also enters into interest rate currency swaps and cross currency interest rate swaps with its customers and typically transfers these off in the inter-bank market. Such contracts are carried on the balance sheet at fair value, or priced using market determined yield curves. u. Business combination The Bank accounts for acquired businesses using the purchase method of accounting which requires that the assets acquired and liabilities assumed be recorded at the date of acquisition at their respective fair values. The application of the purchase method requires certain estimates and assumptions, especially concerning the determination of the fair values of the acquired intangible and tangible assets, as well as the liabilities assumed at the date of the acquisition. The judgments made in the context of the purchase price allocation can materially impact the Bank’s future results of operations. The valuations are based on information available at the acquisition date. Purchase consideration in excess of bank’s interest and the acquiree’s net fair value of identifiable assets and liabilities is recognized as goodwill. v. Goodwill and other intangibles Goodwill is tested for impairment in accordance with FASB ASC 350-20 ‘Goodwill’. Under applicable accounting guidance, goodwill is reviewed at the reporting unit level for potential impairment at least on an annual basis at the end of the reporting period, or more frequently if events or circumstances indicate a potential impairment. This analysis is a two-step process. The first step of the goodwill impairment test compares the fair value of the reporting unit with its carrying amount, including goodwill. If the fair value of the reporting unit exceeds its carrying amount, then the goodwill of the reporting unit is considered not impaired; however, if the carrying amount of the reporting unit exceeds its fair value, the second step must be performed. The second step involves calculating an implied fair value of goodwill for each reporting unit for which the first step indicated possible impairment. The implied fair value of goodwill is determined in the same manner as the amount of goodwill recognized in a business combination, which is the excess of the fair value of the reporting unit, as determined in the first step, over the aggregate fair values of the individual assets, liabilities and identifiable intangibles as if the reporting unit was being acquired in a business combination. The adjustments to measure the assets, liabilities and intangibles at fair value are for the purpose of measuring the implied fair value of goodwill and such adjustments are not reflected in the consolidated balance sheet. If the implied fair value of goodwill exceeds the goodwill assigned to the reporting unit, there is no impairment. If the goodwill assigned to a reporting unit exceeds the implied fair value of the goodwill, an impairment charge is recorded for the excess. An impairment loss recognized cannot exceed the amount of goodwill assigned to a reporting unit, and the loss establishes a new basis in the goodwill. Subsequent reversal of goodwill impairment losses is not permitted. Intangible assets consist of branch network representing contractual and non-contractual customer relationships, customer list, core deposit intangible and favorable leases. These are amortized over their estimated useful lives. Amortization of intangible assets is computed in a manner that best reflects the economic benefits of the intangible assets as follows: Useful lives Amortization Branch network 6 Straight-line Customer lists 2 Straight-line Core deposit 5 Straight-line Favorable leases 1 to 15 Straight-line w. Recently adopted accounting standards In July 2013, the FASB issued ASU No. 2013-11, “Income Taxes (Topic 740): Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists” (“ASU 2013-11”). As per the amendment, an unrecognized tax benefit should be presented as a reduction of a deferred tax asset for a net operating loss (NOL) or other tax credit carry forward when settlement in this manner is available under the tax law. The assessment of whether settlement is available under the tax law would not consider future events (e.g., upcoming expiration of related NOL carry forwards). This classification should not affect an entity’s analysis of the realization of its deferred tax assets. Gross presentation in the rollforward of unrecognized tax positions in the notes to the financial statements would still be required. ASU 2013-11 is effective for interim and annual periods beginning on or after December 15, 2013. The adoption of this guidance effective April 1, 2014 did not have a material impact on the Bank’s consolidated financial position or results of operations. x. Recently issued accounting pronouncements not yet effective In May 2014, the FASB issued ASU No. 2014-09, “Revenue from Contracts with Customers (Topic 606)”. This update clarifies the principles for revenue recognition in transactions involving contracts with customers. The guidance will be effective for the interim and annual reporting periods beginning after December 15, 2016 and early adoption is not permitted. The Bank has not yet evaluated what impact, if any, the adoption of this guidance may have on the Bank’s financial condition, results of operations, or disclosures. In June 2014, the FASB issued ASU No. 2014-11, “Transfers and Servicing (Topic 860)”. The amendments in this update change the current accounting outcome by requiring repurchase-to-maturity transactions to be accounted for as secured borrowings and for repurchase financing arrangement the amendments require separate accounting for a transfer of the financial asset executed contemporaneously with a repurchase agreement with same counterparty. The amendments also require new disclosures. The guidance will be effective for the interim and annual reporting periods beginning after December 15, 2014 and early adoption is not permitted. The Bank has not yet evaluated what impact, if any, the adoption of this guidance may have on the Bank’s financial condition, results of operations, or disclosures. In August 2014, the FASB also issued ASU 2014-15, Disclosure of Uncertainties about an Entity’s Ability to Continue as a Going Concern. This ASU requires management to perform an assessment of going concern and provides specific guidance on when and how to assess or disclose going concern uncertainties. The new standard also defines terms used in the evaluation of going concern, such as “substantial doubt.” Following application, the Bank will be required to perform assessments at each annual and interim period, provide an assessment period of one year from the issuance date, and make disclosures in certain circumstances in which substantial doubt is identified. The amendment will be effective for the Bank for the first reporting period ending after December 15, 2016. Earlier application is permitted. The Bank does not expect this ASU to have an impact on its financial position, result of operations, or disclosures. In January 2015, FASB issued ASU 2015-01 - Income Statement -Extraordinary and Unusual Items (Subtopic 225-20). The Update removes the concept of extraordinary items from GAAP and eliminates the requirement for extraordinary items to be separately presented in the statement of income. The guidance will be effective for the interim and annual reporting periods beginning after December 15, 2015 and early adoption is permitted. The Update will not have a material impact on the Bank’s consolidated financial statements. In February 2015, FASB issued ASU 2015-02 - Consolidation (Topic 810). The Update primarily amends the criteria companies use to evaluate whether they should consolidate certain variable interest entities that have fee arrangements and the criteria used to determine whether partnerships and similar entities are variable interest entities. The Update also excludes certain money market funds from the consolidation guidance. The guidance will be effective for the interim and annual reporting periods beginning after December 15, 2015 and early adoption is permitted. The Bank has not yet evaluated what impact, if any, the adoption of this guidance may have on the Bank’s financial condition, results of operations, or disclosures. In April 2015, FASB issued ASU 2015-03 - Interest - Imputation of Interest (Subtopic 835-30). The Update changes the balance sheet presentation for debt issuance costs. Under the new guidance, debt issuance costs should be reported as a deduction from debt liabilities rather than as a deferred charge classified as an asset. . The guidance will be effective for the interim and annual reporting periods beginning after December 15, 2015 and early adoption is permitted. The Bank has not yet evaluated what impact, if any, the adoption of this guidance may have on the Bank’s financial condition, results of operations, or disclosures. In May 2015, FASB issued ASU 2015-07 - Fair Value Measurement (Topic 820). The Update eliminates the disclosure requirement to categorize investments within the fair value hierarchy that are measured at fair value using net asset value as a practical expedient. The guidance will be effective for the interim and annual reporting periods beginning after December 15, 2015 and early adoption is permitted. The Update will not affect the Bank’s consolidated financial statements as it impacts only the fair value disclosure requirements for certain investments. y. Convenience translation The accompanying financial statements have been expressed in Indian Rupees (“Rs.”), the Bank’s functional currency. For the convenience of the reader, the financial statements as of and for the year ended March 31, 2015 have been translated into U.S. dollars at U.S.$1.00 = Rs. 62.31 as published by the Federal Reserve Board of New York on March 31, 2015. Such translation should not be construed as a representation that the rupee amounts have been or could be converted into United States dollars at that or any other rate, or at all.

Cash and cash equivalents

Cash and cash equivalents	12 Months Ended
	Mar. 31, 2015
Cash and cash equivalents	3. Cash and cash equivalents Cash and cash equivalents as of March 31, 2014 and March 31, 2015 include balances of Rs. 214,951.3 million and Rs. 221,889.6 million (US$ 3,561.1 million), respectively, maintained with the RBI to meet the Bank’s cash reserve ratio requirement. The Bank is required to maintain a specific percentage of its demand and time liabilities by way of a balance in a current account with the RBI. This is to maintain the solvency of the banking system. The cash reserve ratio has to be maintained on an average basis for a two-week period and should not fall below 95% of the required cash reserve ratio on any particular day.

Term placements

Term placements	12 Months Ended
	Mar. 31, 2015
Term placements	4. Term placements Term placements consist of placements with banks and financial institutions in the ordinary course of business. These placements have original maturities for periods between 3 months and 15 years. This includes restricted term placements of Rs. 123.7 million and Rs. 134.3 million (US$ 2.2 million) at March 31, 2014 and at March 31, 2015, respectively.

Investments

Investments	12 Months Ended
	Mar. 31, 2015
Held for Trading
Investments	5. Investments, held for trading The portfolio of trading securities as of March 31, 2014 and March 31, 2015 was as follows: As of March 31, 2014 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In millions) Government of India securities Rs. 56,409.0 Rs. 3.5 Rs. 191.1 Rs. 56,221.4 Other corporate/financial institution securities 8,874.2 11.7 55.2 8,830.7 Total debt securities Rs. 65,283.2 Rs. 15.2 Rs. 246.3 Rs. 65,052.1 Equity securities 25.2 0.7 0.1 25.8 Total Rs. 65,308.4 Rs. 15.9 Rs. 246.4 Rs. 65,077.9 As of March 31, 2015 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In millions) Government of India securities Rs. 60,239.5 Rs. 53.5 Rs. 0.2 Rs. 60,292.8 Other corporate/financial institution securities 1,000.0 0 0 1,000.0 Total debt securities Rs. 61,239.5 Rs. 53.5 Rs. 0.2 Rs. 61,292.8 Equity securities 0 0 0 0 Total Rs. 61,239.5 Rs. 53.5 Rs. 0.2 Rs. 61,292.8 Total US$ 982.8 US$ 0.9 US$ 0 US$ 983.7
Available-for-Sale Securities
Investments	6. Investments, available for sale The portfolio of available for sale securities as of March 31, 2014 and March 31, 2015 was as follows: As of March 31, 2014 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In millions) Government of India securities Rs. 839,248.3 Rs. 919.1 Rs. 19,762.5 Rs. 820,404.9 State government securities 161.8 0 0.9 160.9 Credit substitutes (see note 8) 65,001.6 177.0 31.5 65,147.1 Other corporate/financial institution bonds 4,979.2 61.8 1.3 5,039.7 Certificate of Deposit 921.3 6.0 0 927.3 Debt securities, other than asset and mortgage-backed securities 910,312.2 1,163.9 19,796.2 891,679.9 Mortgage-backed securities 1,743.2 91.5 0.3 1,834.4 Asset-backed securities 14,442.1 211.2 409.9 14,243.4 Other securities (including mutual fund units) 787.4 283.2 4.0 1,066.6 Total Rs. 927,284.9 Rs. 1,749.8 Rs. 20,210.4 Rs .908,824.3 Securities with gross unrealized losses Rs. 699,169.1 Securities with gross unrealized gains 209,655.2 Rs. 908,824.3 As of March 31, 2015 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In millions) Government of India securities Rs. 1,151,520.7 Rs. 13,843.3 Rs. 1,242.7 Rs. 1,164,121.3 State government securities 54,134.6 2,074.4 0 56,209.0 Credit substitutes (see note 8) 194,992.4 243.9 177.4 195,058.9 Other corporate/financial institution bonds 6,555.1 83.3 1.5 6,636.9 Certificate of Deposit 56,300.2 85.4 0 56,385.6 Debt securities, other than asset and mortgage-backed securities 1,463,503.0 16,330.3 1,421.6 1,478,411.7 Mortgage-backed securities 1,282.0 50.1 0 1,332.1 Asset-backed securities 23,512.3 223.2 452.2 23,283.3 Other securities (including mutual fund units) 788.1 597.9 0.3 1,385.7 Total Rs. 1,489,085.4 Rs. 17,201.5 Rs. 1,874.1 Rs. 1,504,412.8 Total US$ 23,898.1 US$ 276.1 US$ 30.1 US$ 24,144.1 Securities with gross unrealized losses Rs. 469,004.0 Securities with gross unrealized gains 1,035,408.8 Rs. 1,504,412.8 US$ 24,144.1 AFS investments of Rs. 820,565.8 million and Rs. 1,220,330.3 million (US$ 19,584.8 million) as of March 31, 2014 and March 31, 2015, respectively, are eligible for placement towards the Bank’s statutory liquidity ratio requirements. These balances are subject to withdrawal and usage restrictions, but may be freely traded by the Bank within those restrictions. Of these investments, Rs. 670,603.5 million as of March 31, 2014 and Rs. 721,933.3 million (US$ 11,586.2 million) as of March 31, 2015, respectively, were kept as margins for clearing, collateral borrowing and lending obligation (CBLO), real time gross settlement (RTGS), with the Reserve Bank of India and other financial institutions. The Bank conducts a review each year to identify and evaluate investments that have indications of possible impairment. An investment in an equity or debt security is impaired if its fair value falls below its cost and the decline is considered other than temporary. Factors considered in determining whether a loss is temporary include length of time and extent to which fair value has been below cost, the financial condition and near-term prospects of the issuer and whether the Bank intends to sell or will be required to sell the security until the forecasted recovery. The Bank evaluated the impaired investments and has fully recognized an expense of Rs. 1,546.3 million, Rs. 664.7 million and Rs. 1.8 million as other than temporary impairment in fiscal year 2013, 2014 and 2015, respectively, because the Bank intends to sell the securities before recovery of their amortized cost. The Bank is of the opinion that the other unrealized losses on its investments in equity and debt securities as of March 31, 2015 are temporary in nature. The Bank’s review of impairment generally entails: • identification and evaluation of investments that have indications of possible impairment; • analysis of individual investments that have fair values of less than 95% of amortized cost, including consideration of the length of time the investment has been in an unrealized loss position; • analysis of evidential matter, including an evaluation of factors or triggers that would or could cause individual investments to have other than temporary impairment; and • documentation of the results of these analysis, as required under business policies. As of March 31, 2014 and March 31, 2015, the Bank did not hold any debt securities with credit losses for which a portion of other-than-temporary impairment was recognized in other comprehensive income. The gross unrealized losses and fair value of available for sale securities at March 31, 2014 was as follows: As of March 31, 2014 Less Than 12 Months 12 Months or Greater Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (In millions) Government of India securities Rs. 363,301.9 Rs. 11,340.9 Rs. 303,851.6 Rs. 8,421.6 Rs. 667,153.5 Rs. 19,762.5 State government securities 123.8 0.7 37.1 0.2 160.9 0.9 Credit substitutes (see note 8) 18,666.2 31.3 266.4 0.2 18,932.6 31.5 Other corporate/financial institution bonds 310.1 1.2 9.7 0.1 319.8 1.3 Debt securities, other than asset and mortgage-backed securities 382,402.0 11,374.1 304,164.8 8,422.1 686,566.8 19,796.2 Mortgage-backed securities 133.0 0.3 0 0 133.0 0.3 Asset-backed securities 12,468.3 409.9 0 0 12,468.3 409.9 Equity securities 1.0 4.0 0 0 1.0 4.0 Total Rs. 395,004.3 Rs. 11,788.3 Rs. 304,164.8 Rs. 8,422.1 Rs. 699,169.1 Rs. 20,210.4 The gross unrealized losses and fair value of available for sale securities at March 31, 2015 was as follows: As of March 31, 2015 Less Than 12 Months 12 Months or Greater Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (In millions) Government of India securities Rs. 10,602.4 Rs. 37.9 Rs. 277,465.1 Rs. 1,204.8 Rs. 288,067.5 Rs. 1,242.7 State government securities 0 0 7.5 0 7.5 0 Credit substitutes (see note 8) 158,859.4 177.4 0 0 158,859.4 177.4 Other corporate/financial institution bonds 1,339.6 1.5 0 0 1,339.6 1.5 Debt securities, other than asset and mortgage-backed securities 170,801.4 216.8 277,472.6 1,204.8 448,274.0 1,421.6 Mortgage-backed securities 0 0 0 0 0 0 Asset-backed securities 20,727.1 452.2 0 0 20,727.1 452.2 Equity securities 2.9 0.3 0 0 2.9 0.3 Total Rs. 191,531.4 Rs. 669.3 Rs. 277,472.6 Rs. 1,204.8 Rs. 469,004.0 Rs. 1,874.1 Total US$ 3,073.8 US$ 10.8 US$ 4,453.1 US$ 19.3 US$ 7,526.9 US$ 30.1 The contractual residual maturity of available for sale debt securities other than asset and mortgage-backed securities as of March 31, 2015 is set out below: As of March 31, 2015 Amortized Cost Fair Value Fair Value (In millions) Within one year Rs. 692,782.4 Rs. 692,821.7 US$ 11,118.9 Over one year through five years 301,137.0 302,306.0 4,851.6 Over five years through ten years 367,990.7 375,802.6 6,031.2 Over ten years 101,592.9 107,481.4 1,724.9 Total Rs. 1,463,503.0 Rs. 1,478,411.7 US$ 23,726.6 The contractual residual maturity of available for sale mortgage-backed and asset-backed securities as of March 31, 2015 is set out below: As of March 31, 2015 Amortized Cost Fair Value Fair Value (In millions) Within one year Rs. 12,963.8 Rs. 12,771.8 US$ 205.0 Over one year through five years 11,007.0 10,797.6 173.3 Over five years through ten years 319.1 324.5 5.2 Over ten years 504.4 721.5 11.6 Total Rs. 24,794.3 Rs. 24,615.4 US$ 395.1 Gross realized gains and gross realized losses from sale of available for sale securities and dividends and interest on such securities are set out below: Fiscal year ended March 31, 2013 2014 2015 2015 (In millions) Gross realized gains on sale Rs. 2,263.6 Rs. 2,378.8 Rs. 5,484.3 US$ 88.0 Gross realized losses on sale (35.8 ) (623.1 ) (316.4 ) (5.1 ) Realized gains (losses), net 2,227.8 1,755.7 5,167.9 82.9 Dividends and interest 66,554.2 77,497.1 94,129.1 1,510.7 Total Rs. 68,782.0 Rs. 79,252.8 Rs. 99,297.0 US$ 1,593.6
Held-to-maturity Securities
Investments	7. Investments, held to maturity There were no HTM securities as of March 31, 2014 and March 31, 2015. Under Indian GAAP, transfer from an HTM portfolio to an AFS portfolio are permitted by RBI regulations once every year and the Bank has made transfers in accordance with these regulations. However, the Bank has not established an HTM portfolio under US GAAP and therefore the investment classification made under US GAAP and Indian GAAP varies materially.

Credit substitutes

Credit substitutes	12 Months Ended
	Mar. 31, 2015
Credit substitutes	8. Credit substitutes Credit substitutes consist of securities that the Bank invests in as part of an overall extension of credit to certain customers. Such securities share many of the risk and reward characteristics of loans and are managed by the Bank together with other credit facilities extended to the same customers. The fair values of credit substitutes by type of instrument as of March 31, 2014 and March 31, 2015 were as follows: As of March 31, 2014 2015 Amortized Cost Fair Value Amortized Cost Fair Value (In millions) Available for sale credit substitute securities: Debentures Rs. 23,024.0 Rs. 23,115.5 Rs. 14,631.2 Rs. 14,860.3 Commercial paper 41,977.6 42,031.6 180,361.2 180,198.6 Total Rs. 65,001.6 Rs. 65,147.1 Rs. 194,992.4 Rs. 195,058.9 US$ 3,129.4 US$ 3,130.5 The fair values of credit substitutes by credit quality indicators and amounts provided for other than temporary impairments is as follows: As of March 31, 2014 2015 2015 (In millions) Pass Rs. 55,867.2 Rs. 195,058.9 US$ 3,130.5 Impaired—gross balance 9,944.5 0 0 Less: amounts provided for other than temporary impairments 664.6 0 0 Impaired credit substitutes, net 9,279.9 0 0 Total credit substitutes, net Rs 65,147.1 Rs 195,058.9 US$ 3,130.5 Impaired credit substitutes As of March 31, 2014 2015 2015 (In millions) Gross impaired credit substitutes: — on accrual status Rs. 9,944.5 Rs. 0 US$ 0 — on non-accrual status 0 0 0 Total Rs. 9,944.5 Rs. 0 US$ 0 Gross impaired credit substitutes by industry: — Construction and Developers (Infrastructure) Rs. 9,944.5 Rs. 0 US$ 0 — Others 0 0 0 Total Rs. 9,944.5 Rs. 0 US$ 0 Average impaired credit substitutes Rs. 5,222.3 Rs. 4,972.3 US$ 79.8 Interest income recognized on impaired credit substitutes Rs. 672.6 Rs. 0 US$ 0 As of March 31, 2015, the Bank has no additional funds committed to borrowers whose credit substitutes were impaired.

Repurchase and resell agreement

Repurchase and resell agreements	12 Months Ended
	Mar. 31, 2015
Repurchase and resell agreements	9. Repurchase and resell agreements Securities sold under agreements to repurchase (“repos”) and securities purchased under agreements to resell (“reverse repos”) generally do not constitute a sale for accounting purposes of the underlying securities, and so are treated as collateralized transactions. There were no such transactions accounted for as sales during the years ended March 31, 2013, March 31, 2014 and March 31, 2015. Interest paid or received on all repo and reverse repo transactions is recorded in Interest expense or Interest revenue at the contractually specified rate. a. Securities purchased under agreements to resell Securities purchased under agreements to resell are classified separately from investments and generally mature within 14 days of the transaction date. Such resell transactions are recorded at the amount of cash advanced on the transaction. Resell transactions outstanding as of March 31, 2014 and March 31, 2015 were Rs. 57,322.6 million and Rs. 1,592.6 million, respectively. b. Securities sold under repurchase agreements Securities sold under agreements to repurchase are classified separately under liabilities and generally mature within 14 days of the transaction date. Such repurchase transactions are recorded at the amount of cash received on the transaction. Repurchase transactions outstanding as of March 31, 2014 and March 31, 2015 were nil and Rs. 50,000.0 million, respectively.

Loans

Loans	12 Months Ended
	Mar. 31, 2015
Loans	10. Loans Loan balances include Rs. 115,777.3 million and Rs. 192,684.5 million (US$ 3,092.4 million) as of March 31, 2014 and March 31, 2015, respectively, which have been pledged as collateral for borrowings and are therefore restricted. Loans by facility as of March 31, 2014 and March 31, 2015 were as follows: As of March 31, 2014 2015 2015 (In millions) Retail loans: Auto loans Rs. 407,811.6 Rs. 486,251.7 US$ 7,803.8 Personal loans/Credit cards 347,393.8 449,381.7 7,212.0 Retail business banking 519,472.2 660,456.7 10,599.5 Commercial vehicle and construction equipment finance 280,372.2 305,995.4 4,910.9 Housing loans 193,180.5 241,368.8 3,873.7 Other retail loans 440,107.4 577,534.2 9,268.6 Subtotal Rs. 2,188,337.7 Rs. 2,720,988.5 US$ 43,668.5 Wholesale loans Rs. 1,039,923.6 Rs. 1,222,460.6 US$ 19,619.0 Gross loans 3,228,261.3 3,943,449.1 63,287.5 Less: Allowance for credit losses 42,613.2 47,334.1 759.6 Total Rs. 3,185,648.1 Rs. 3,896,115.0 US$ 62,527.9 The contractual residual maturity of gross loans as of March 31, 2015 is set out below: As of March 31, 2015 Wholesale loans Retail loans Total (In millions) Maturity profile of loans: Within one year Rs. 680,287.1 Rs. 789,973.4 Rs. 1,470,260.5 Over one year through five years 442,874.1 1,681,275.6 2,124,149.7 Over five years 99,299.4 249,739.5 349,038.9 Total gross loans Rs. 1,222,460.6 Rs. 2,720,988.5 Rs. 3,943,449.1 Total gross loans US$ 19,619.0 US$ 43,668.5 US$ 63,287.5 Gross loans analyzed by performance are as follows: As of March 31, 2014 March 31, 2015 March 31, 2015 (In millions) Performing Rs. 3,198,574.8 Rs. 3,904,124.3 US$ 62,656.4 Impaired 29,686.5 39,324.8 631.1 Total gross loans Rs. 3,228,261.3 Rs. 3,943,449.1 US$ 63,287.5 The following table provides details of age analysis of loans as of March 31, 2014 and March 31, 2015. As of March 31, 2014 31-90 days past Impaired / 91 days or more past due Total current or less than 31 days past due Total (in millions) Retail Loans Auto loans Rs. 2,326.2 Rs. 1,845.2 Rs. 403,640.2 Rs. 407,811.6 Personal loans/Credit card 1,940.5 1,984.4 343,468.9 347,393.8 Retail business banking 3,815.1 7,104.6 508,552.5 519,472.2 Commercial vehicle and construction equipment finance 7,500.8 6,207.8 266,663.6 280,372.2 Housing loans 83.2 205.8 192,891.5 193,180.5 Other retail 3,947.7 3,580.5 432,579.2 440,107.4 Wholesale loans 1,452.2 8,758.2 1,029,713.2 1,039,923.6 Total Rs. 21,065.7 Rs. 29,686.5 Rs. 3,177,509.1 Rs. 3,228,261.3 As of March 31, 2015 31-90 days past Impaired / 91 days or more past due Total current or less than 31 days past due Total (in millions) Retail Loans Auto loans Rs. 2,448.7 Rs. 2,718.7 Rs. 481,084.3 Rs. 486,251.7 Personal loans/Credit card 2,361.1 2,648.4 444,372.2 449,381.7 Retail business banking 5,262.5 10,012.5 645,181.7 660,456.7 Commercial vehicle and construction equipment finance 5,389.7 5,559.4 295,046.3 305,995.4 Housing loans 68.7 242.7 241,057.4 241,368.8 Other retail 5,184.2 4,653.5 567,696.5 577,534.2 Wholesale loans 1,244.7 13,489.6 1,207,726.3 1,222,460.6 Total Rs. 21,959.6 Rs. 39,324.8 Rs. 3,882,164.7 Rs. 3,943,449.1 Total US$ 352.4 US$ 631.1 US$ 62,304.0 US$ 63,287.5 The Bank has a credit risk mitigating/monitoring mechanism which is comprised of target market definitions, credit approval process, post-disbursement monitoring and remedial management procedures. For wholesale credit risk in addition to the credit approval process the Bank has an approved framework for the review and approval of credit ratings. Credit Policies and Procedures articulate credit risk strategy and thereby the approach for credit origination, approval and maintenance. The Credit Policies generally address such areas as target markets, portfolio mix, prudential exposure ceilings, concentration limits, price and non-price terms, structure of limits, approval authorities, exception reporting system, prudential accounting and provisioning norms. These are reviewed in detail at annual or more frequent intervals. To ensure adequate diversification of risk, concentration limits have been set up in terms of borrower/business group, industry and risk grading. For retail credit the policy and approval processes are designed for the fact that the Bank has high volumes of relatively homogeneous, small value transactions in retail loans. There are product programs for each of these products, which define the target markets, credit philosophy and process, detailed underwriting criteria for evaluating individual credits, exception reporting systems and individual loan exposure caps. The quantitative parameters considered include income, residence stability, the nature of the employment/business, while the qualitative parameters include accessibility, contractibility and profile. The credit policies/product programs are based on a statistical analysis of the Bank’s experience and industry data, in combination with the judgment of the Bank’s senior officers. The Bank mines data on its borrower account behavior as well as static data regularly to monitor the portfolio performance of each product segment and use these as inputs in revising the Bank’s product programs, target market definitions and credit assessment criteria to meet the Bank’s twin objectives of combining volume growth and maintenance of asset quality. As an integral part of the credit process, the Bank has a credit rating model appropriate to its wholesale and retail credit segments (see note 2 i). The Bank monitors credit quality within its segments based on primary credit quality indicators. This internal grading is updated at least annually. Retail Loans Credit quality indicator based on payment activity as of March 31, 2014 and as of March 31, 2015 is given below. As of March 31, 2014 Auto loans Personal loans/ Credit card Retail business banking Commercial vehicle and construction equipment finance Housing loans Other retail Total (In millions) Performing Rs. 405,966.4 Rs. 345,409.4 Rs. 512,367.6 Rs. 274,164.4 Rs. 192,974.7 Rs. 436,526.9 Rs. 2,167,409.4 Impaired 1,845.2 1,984.4 7,104.6 6,207.8 205.8 3,580.5 20,928.3 Total Rs. 407,811.6 Rs. 347,393.8 Rs. 519,472.2 Rs. 280,372.2 Rs. 193,180.5 Rs. 440,107.4 Rs. 2,188,337.7 As of March 31, 2015 Auto loans Personal loans/ Credit card Retail business banking Commercial vehicle and construction equipment finance Housing loans Other retail Total (In millions) Performing Rs. 483,533.0 Rs. 446,733.3 Rs. 650,444.2 Rs. 300,436.0 Rs. 241,126.1 Rs. 572,880.7 Rs. 2,695,153.3 Impaired 2,718.7 2,648.4 10,012.5 5,559.4 242.7 4,653.5 25,835.2 Total Rs. 486,251.7 Rs. 449,381.7 Rs. 660,456.7 Rs. 305,995.4 Rs. 241,368.8 Rs. 577,534.2 Rs. 2,720,988.5 Total US$ 7,803.8 US$ 7,212.0 US$ 10,599.5 US$ 4,910.9 US$ 3,873.7 US$ 9,268.6 US$ 43,668.5 Wholesale Loans The Bank has in place a process of grading each borrower according to its financial health and the performance of its business and each borrower is graded as pass/labeled/impaired. Wholesale loans that are not impaired are disclosed as pass or labeled. Labeled loans are those with evidence of weakness where such exposures indicate deteriorating trends which if not corrected could adversely impact repayment of the obligations. The Bank’s model assesses the overall risk over four major categories – industry risk, business risk, management risk and financial risk. The inputs in each of the categories are combined to provide an aggregate numerical rating, which is a function of the aggregate weighted scores based on the assessment under each of these four risk categories. As of March 31, 2014 2015 2015 (In millions) Credit quality indicators-Internally assigned grade and payment activity Pass Rs. 1,029,884.6 Rs. 1,205,084.8 US$ 19,340.2 Labeled 1,280.8 3,886.2 62.3 Impaired 8,758.2 13,489.6 216.5 Total Rs. 1,039,923.6 Rs. 1,222,460.6 US$ 19,619.0 Impaired loans are those for which the Bank believes that it is probable that it will not collect all amounts due according to the original contractual terms of the loans and includes troubled debt restructuring. The following table provides details of impaired loans as of March 31, 2014 and March 31, 2015 As of March 31, 2014 Recorded Unpaid principal balance Related specific allowance Average recorded investments Finance receivable on non-accrual status (In millions) Retail Loans Auto loans Rs. 1,845.2 Rs. 1,845.2 Rs. 796.1 Rs. 1,542.0 Rs. 1,845.2 Personal loans/ Credit card 1,984.4 1,984.4 1,267.3 1,767.5 1,984.4 Retail business banking 7,104.6 7,104.6 5,598.1 6,447.4 6,978.2 Commercial vehicle and construction equipment finance 6,207.8 6,207.8 3,472.9 4,932.9 6,207.8 Housing loans 205.8 205.8 116.7 236.9 205.8 Other retail 3,580.5 3,580.5 2,082.0 2,827.2 3,580.5 Wholesale loans 8,758.2 8,758.2 7,316.1 7,655.6 8,612.8 Total Rs. 29,686.5 Rs. 29,686.5 Rs. 20,649.2 Rs. 25,409.5 Rs. 29,414.7 The Bank holds no recorded impaired loans for which there is no related allowance. As of March 31, 2015 Recorded Unpaid principal balance Related specific allowance Average recorded investments Finance receivable on non-accrual status (In millions) Retail Loans Auto loans Rs. 2,718.7 Rs. 2,718.7 Rs. 1,226.0 Rs. 2,282.0 Rs. 2,718.7 Personal loans/ Credit card 2,648.4 2,648.4 1,634.0 2,316.4 2,648.4 Retail business banking 10,012.5 10,012.5 7,105.6 8,558.6 9,723.4 Commercial vehicle and construction equipment finance 5,559.4 5,559.4 3,630.6 5,883.6 5,559.4 Housing loans 242.7 242.7 127.4 224.3 242.7 Other retail 4,653.5 4,653.5 2,901.6 4,117.0 4,653.5 Wholesale loans 13,489.6 13,489.6 8,083.8 11,123.9 11,347.5 Total Rs. 39,324.8 Rs. 39,324.8 Rs. 24,709.0 Rs. 34,505.8 Rs. 36,893.6 Total US$ 631.1 US$ 631.1 US$ 396.5 US$ 553.8 US$ 592.1 The Bank holds no recorded impaired loans for which there is no related allowance. Impaired loans by industry as of March 31, 2014 and March 31, 2015 by facility are as follows: As of March 31, 2014 (In millions) Gross impaired loans by industry: — Land Transport Rs. 2,077.9 — Iron & Steel 1,811.8 —Others (none greater than 5% of impaired loans) 25,796.8 Total Rs. 29,686.5 As of March 31, 2015 (In millions) Gross impaired loans by industry: —Activities allied to agriculture Rs. 5,369.3 US$ 86.2 —Iron & Steel 4,793.8 76.9 — Wholesale Trade 3,608.2 57.9 —Consumer Loans 2,392.3 38.4 —Others (none greater than 5% of impaired loans) 23,161.2 371.7 Total Rs. 39,324.8 US$ 631.1 Summary information relating to impaired loans during the year ended March 31, 2013, March 31, 2014 and March 31, 2015 is as follows: Fiscal Year ended March 31, 2013 2014 2015 2015 (In millions) Average impaired loans, net of allowance Rs. 4,191.7 Rs. 6,851.3 Rs. 11,826.6 US$ 189.8 Interest income recognized on impaired loans Rs. 1,647.8 Rs. 1,664.7 Rs. 1,898.0 US$ 30.5 Allowance for credit losses as of March 31, 2014 are as follows: As of March 31, 2014 Specific Unallocated Retail Auto loans Personal Loans/ Credit card Retail Commercial Housing Other retail Wholesale Retail Wholesale Total (In millions) Allowance for credit losses, beginning of the period Rs. 556.7 Rs. 1,067.1 Rs. 5,058.2 Rs. 2,094.4 Rs. 185.0 Rs. 1,751.0 Rs. 5,754.5 Rs. 14,731.6 Rs. 2,495.7 Rs. 33,694.2 Write-offs (2,150.4 ) (5,748.9 ) (93.7 ) (5,014.1 ) (21.3 ) (1,166.2 ) (714.5 ) (14,909.1 ) Net allowance for credit losses* 2,389.8 5,949.1 633.6 6,392.6 (47.0 ) 1,497.2 2,276.1 4,493.9 242.8 23,828.1 Allowance for credit losses, end of the period Rs. 796.1 Rs. 1,267.3 Rs. 5,598.1 Rs. 3,472.9 Rs. 116.7 Rs. 2,082.0 Rs. 7,316.1 Rs. 19,225.5 Rs. 2,738.5 Rs. 42,613.2 Allowance for credit losses: Allowance individually evaluated for impairment Rs. 0 Rs. 0 Rs. 0 Rs. 0 Rs. 0 Rs. 0 Rs. 7,316.1 Rs. 0 Rs. 0 Rs. 7,316.1 Allowance collectively evaluated for impairment 796.1 1,267.3 5,598.1 3,472.9 116.7 2,082.0 0 19,225.5 2,738.5 35,297.1 Loans: Loans individually evaluated for impairment 0 0 0 0 0 0 8,758.2 0 0 8,758.2 Loans collectively evaluated for impairment 1,845.2 1,984.4 7,104.6 6,207.8 205.8 3,580.5 0 2,167,409.4 1,031,165.4 3,219,503.1 * Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 6,400.0 million. Allowance for credit losses as of March 31, 2015 are as follows: As of March 31, 2015 Specific Unallocated Retail Auto loans Personal Loans/ Credit card Retail Commercial Housing Other Wholesale Retail Wholesale Total Total (In millions) Allowance for credit losses, beginning of the period Rs. 796.1 Rs. 1,267.3 Rs. 5,598.1 Rs. 3,472.9 Rs. 116.7 Rs. 2,082.0 Rs. 7,316.1 Rs. 19,225.5 Rs. 2,738.5 Rs. 42,613.2 US$ 683.9 Write-offs (2,858.9 ) (7,418.1 ) (380.8 ) (4,327.8 ) (9.2 ) (1,328.8 ) (3,480.4 ) (19,804.0 ) (317.8 ) Net allowance for credit losses* 3,288.8 7,784.8 1,888.3 4,485.5 19.9 2,148.4 4,248.1 151.2 509.9 24,524.9 393.5 Allowance for credit losses, end of the period Rs. 1,226.0 Rs. 1,634.0 Rs. 7,105.6 Rs. 3,630.6 Rs. 127.4 Rs. 2,901.6 Rs. 8,083.8 Rs. 19,376.7 Rs. 3,248.4 Rs. 47,334.1 US$ 759.6 Allowance for credit losses: Allowance individually evaluated for impairment Rs. 0 Rs. 0 Rs. 0 Rs. 0 Rs. 0 Rs. 0 Rs. 8,083.8 Rs. 0 Rs. 0 Rs. 8,083.8 US$ 129.7 Allowance collectively evaluated for impairment 1,226.0 1,634.0 7,105.6 3,630.6 127.4 2,901.6 0 19,376.7 3,248.4 39,250.3 629.9 Loans: Loans individually evaluated for impairment 0 0 0 0 0 0 13,489.6 0 0 13,489.6 216.5 Loans collectively evaluated for impairment 2,718.7 2,648.4 10,012.5 5,559.4 242.7 4,653.5 0 2,695,153.3 1,208,971.0 3,929,959.5 63,071.0 * Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 7,524.7 million. The unallocated allowance is assessed at each period end and the increase/(decrease) as the case may be is recorded in the income statement under allowances for credit losses. There is no transfer of amounts to or from the unallocated category to the specific category. Troubled debt restructuring (TDR) When the Bank grants concession, for economic or legal reasons related to a borrower’s financial difficulties, for other than an insignificant period of time, the related loan is classified as a TDR. Concessions could include a reduction in the interest rate below current market rates, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. Loans, for which the terms have been modified, and for which the borrower is experiencing financial difficulties, are considered TDRs. On restructuring, the loans are re-measured to reflect the impact, if any, on projected cash flows resulting from the modified terms. Modification may have little or no impact on the allowance established for the loan if there was no forgiveness of the principal and the interest was not decreased. A charge off may be recorded at the time of restructuring if a portion of the loan is deemed to be uncollectible. The following table summarizes the Bank’s TDR modifications during the year ended March 31, 2014 and March 31, 2015 presented by primary modification type and includes the financial effects of these modifications. Fiscal year ended March 31, 2014 Carrying TDRs involving changes in the amount of principal payments (1) TDRs involving changes in the amount of interest payments (2) TDRs involving changes in the amount of both principal and interest payments Balance of principal forgiven Net P&L impact (3) (In millions) Retail business banking Rs. 83.9 Rs. 0 Rs. 83.9 Rs. 0 Rs. 0 Rs. 7.8 Wholesale loans 167.0 0 167.0 0 0 147.0 Total 4 Rs. 250.9 Rs. 0 Rs. 250.9 Rs. 0 Rs 0 Rs. 154.8 (1) TDRs involving changes in the amount of principal payment may include principal forgiveness or deferral of periodic and/or final principal payments. (2) TDRs involving changes in the amount of interest payments may involve a reduction in interest rate. (3) Balances reflect charge-offs and/or allowance for credit losses and/or income not recognized/deferred (4) TDR modification during the year ended March 31, 2014 comprised of four cases. Fiscal year ended March 31, 2015 Carrying value TDRs involving changes in the amount of principal payments (1) TDRs involving changes in the amount of interest payments (2) TDRs involving changes in the amount of both principal and interest payments Balance of principal forgiven Net P&L impact (3) (In millions) Retail business banking Rs. 257.5 Rs. 0 Rs. 257.5 Rs. 0 Rs. 0 Rs. 9.8 Wholesale loans 1,937.3 0 1,937.3 0 0 176.0 Total 4 Rs. 2,194.8 Rs. 0 Rs. 2,194.8 Rs. 0 Rs. 0 Rs. 185.8 Total 4 US$ 35.2 US$ 0 US$ 35.2 US$ 0 US$ 0 US$ 3.0 (1) TDRs involving changes in the amount of principal payment may include principal forgiveness or deferral of periodic and/or final principal payments. (2) TDRs involving changes in the amount of interest payments may involve a reduction in interest rate. (3) Balances reflect charge-offs and/or allowance for credit losses and/or income not recognized/deferred (4) TDR modification during the year ended March 31, 2015 comprised of six cases. The table below summarizes TDRs that have defaulted in the current period within 12 months of their modification date. The defaulted TDRs are based on a payment default definition of 90 days past due. As of March 31, 2015 recorded investments (In millions) Retail loans: Retail business banking Rs. 72.2 Wholesale loans 79.5 Total Rs. 151.7 Total US$ 2.4 Interest on loans by facility are as follows: Fiscal years ended March 31, 2013 2014 2015 2015 (In millions) Wholesale Rs. 82,159.2 Rs. 93,448.1 Rs. 105,465.8 US$ 1,692.6 Retail loans 189,571.3 233,307.2 282,798.9 4,538.6 Total Rs. 271,730.5 Rs. 326,755.3 Rs. 388,264.7 US$ 6,231.2

Sales_transfer of receivables

Sales/transfer of receivables	12 Months Ended
	Mar. 31, 2015
Sales/transfer of receivables	11. Sales/transfer of receivables There were no pre-tax gains on securitizations/other transfers that were completed during the years ended March 31, 2013, March 31, 2014 and March 31, 2015. The following table summarizes the cash flows received from customers and paid to SPEs/transferees for sales of performing loans during the years ended March 31, 2013, March 31, 2014 and March 31, 2015: Fiscal years ended March 31, 2013 2014 2015 2015 (In millions) Cash flow information Collections against securitized receivables/transfers Rs. 1,946.0 Rs. 1,771.9 Rs. 903.6 US$ 14.5 Payments made 1,819.6 1,537.7 832.5 13.4 Cash flows on retained interests Rs. 128.6 Rs. 223.1 Rs. 69.3 US$ 1.1 Other key disclosures are as follows: As of March 31, 2014 2015 2015 (In millions) Transferred receivables with continuing involvement* Rs. 2,250.7 Rs. 1,670.3 US$ 26.8 Delinquencies 240.4 296.0 4.8 Credit losses 173.5 220.5 3.5 Retained interest in sold receivables 102.7 64.3 1.0 * Includes less than Rs. 0.1 million held by SPEs as of March 31, 2014 and nil as of March 31, 2015. The table below outlines the economic assumptions and the sensitivity of the estimated fair value of retained interests in finance receivables as of March 31, 2014 and March 31, 2015 to immediate 10% and 20% changes in those assumptions: As of March 31, 2014 2015 2015 (In millions) Fair value of retained interests Annual prepayment rate: Impact of 10% adverse change Rs. 9.2 Rs. 6.7 US$ 0.1 Impact of 20% adverse change 17.5 12.7 0.2 Expected credit losses: Impact of 10% adverse change 10.0 6.6 0.1 Impact of 20% adverse change 20.0 13.2 0.2 The discount rate used for the valuation of retained interests is the rate of return to the transferees of the various pools of securitized receivables and, therefore, is not subject to change. Weighted average life in years of the securitized receivables is also not subject to change, except in the case of a change in the prepayment rate assumption. Consequently, the above sensitivity analysis does not include the impact on the estimated fair values of the retained interests due to an adverse change in the weighted average life in years and the discount rate. These sensitivities are hypothetical and should be used with appropriate caution. A 10% change in the assumptions may not result in lineally proportionate changes in the fair values of retained interests. Adverse changes assumed in the above analysis and the resultant change in the fair values of retained interests are calculated independent of each other. In reality, any change in one factor may cause a change in the other factors.

Concentrations of credit risk

Concentrations of credit risk	12 Months Ended
	Mar. 31, 2015
Concentrations of credit risk	12. Concentrations of credit risk Concentrations of credit risk exist when changes in economic, industry or geographic factors similarly affect groups of counterparties whose aggregate credit exposure is material in relation to the Bank’s total credit exposure. The Bank manages its credit risk collectively for its loan portfolio and credit substitute securities as these instruments are invested in as part of an overall lending program for corporate customers; accordingly, information on concentrations of credit risk has been provided for these exposures together. In the case of wholesale loans while the Bank generally lend on a cash-flow basis, it also require collateral which consists of liens on inventory, receivables and other current assets, and in some cases, charges on fixed assets, such as property, movable assets (such as vehicles) and financial assets (such as marketable securities) from a large number of the Bank’s borrowers. The Bank’s retail loans are generally secured by a charge on the asset financed (vehicle loans, property loans and loans against gold and securities). Retail business banking loans are secured with current assets as well as immovable property and fixed assets in some cases. However, collateral securing each individual loan may not be adequate in relation to the value of the loan. If the customer fails to pay, the Bank would, as applicable, liquidate collateral and/or set off accounts. The maximum estimated loss that would be incurred under severe, hypothetical circumstances, for which the Bank believes the possibility is extremely remote, such as where the value of the Bank’s interests and any associated collateral declines to zero, without any consideration of recovery or offset is determined as the carrying values of the instruments as given in the below table. The Bank’s portfolio of loans, credit substitute securities and non-funded exposure (including derivatives) is broadly diversified along industry and product lines, and as of March 31, 2014 and March 31, 2015 the exposures are as set forth below. The Bank does not consider retail loans a specific industry for this purpose. However, retail business banking loans are classified in the appropriate categories below and loans to commercial vehicle operators are included in land transport below. For the purposes of industry-wise classification of retail loans, from fiscal 2015, the end use (i.e. business purpose or personal use) is taken into consideration. Accordingly, exposures to individual and non-individual borrowers, where the credit facilities are for business purpose, are being reported under the industry relating to the activity of the borrower. Where the credit facilities are for personal use, the exposure to the individual borrower is classified under Consumer Loans. As of March 31, 2014 Category Gross loans Fair Values Of Credit Substitutes Non-funded exposure Total % (In millions, except percentages) Wholesale Trade Rs. 235,711.9 Rs. 99.9 Rs. 26,849.8 Rs. 262,661.6 6.8 % Automobile & Auto Ancillary 145,886.7 5,067.8 13,878.2 164,832.7 4.3 Activities allied to agriculture 155,559.1 0 562.2 156,121.3 4.0 Land Transport 150,177.4 0 2,398.4 152,575.8 3.9 Banks & Financial Institutions 19,010.7 0 129,375.0 148,385.7 3.8 Coal & Petroleum Products 69,725.4 0 62,589.9 132,315.3 3.4 Services 96,238.8 341.8 17,496.5 114,077.1 2.9 Food & Beverage 99,588.0 1,000.6 6,182.8 106,771.4 2.8 Iron & Steel 82,959.4 2,323.8 19,958.0 105,241.2 2.7 Engineering 57,349.9 0 38,982.2 96,332.1 2.5 Retail trade 90,086.2 0 3,121.6 93,207.8 2.4 Power 70,980.3 1,489.4 14,572.6 87,042.3 2.2 NBFC/Financial Intermediaries 57,796.1 23,196.9 2,217.1 83,210.1 2.1 Others (none greater than 2%) 1,897,191.4 31,626.9 245,854.3 2,174,672.6 56.2 Total Rs. 3,228,261.3 Rs. 65,147.1 Rs. 584,038.6 Rs. 3,877,447.0 100.0 % As of March 31, 2015 Category Gross loans Fair Values Of Credit Substitutes Non-funded exposure Total Total % (In millions, except percentages) Consumer Loans Rs. 479,467.5 Rs. 0 Rs. 17.6 Rs. 479,485.1 US$ 7,695.2 10.1 % Activities allied to agriculture 422,894.4 0 1,697.6 424,592.0 6,814.2 8.9 Wholesale Trade 308,806.4 5,259.8 31,745.5 345,811.7 5,549.9 7.3 Services 230,040.6 445.9 15,511.7 245,998.2 3,948.0 5.2 Automobile & Auto Ancillary 192,017.4 23,046.5 16,357.7 231,421.6 3,714.0 4.9 Retail trade 189,593.5 841.2 4,761.4 195,196.1 3,132.7 4.1 Coal & Petroleum Products 40,153.4 5,984.5 111,908.1 158,046.0 2,536.4 3.3 NBFC/Financial Intermediaries 94,744.7 59,985.8 1,876.5 156,607.0 2,513.4 3.3 Food & Beverage 121,172.2 7,040.2 6,734.9 134,947.3 2,165.7 2.8 Land Transport 131,240.2 522.1 2,668.8 134,431.1 2,157.5 2.8 Power 96,169.7 15,846.8 18,570.3 130,586.8 2,095.8 2.7 Engineering 79,747.2 1,077.1 48,819.8 129,644.1 2,080.6 2.7 Real Estate & Property Services 88,264.9 3,607.0 11,179.6 103,051.5 1,653.9 2.2 Iron & Steel 84,913.9 1,475.8 15,927.1 102,316.8 1,642.1 2.1 Others (none greater than 2%) 1,384,223.1 69,926.2 340,225.7 1,794,375.0 28,797.5 37.6 Total Rs. 3,943,449.1 Rs. 195,058.9 Rs. 628,002.3 Rs. 4,766,510.3 US$ 76,496.9 100.0 % The Bank’s ten largest exposures as of March 31, 2014 and March 31, 2015, based on the higher of the outstanding balance or the limit on loans, investments (including credit substitutes) and non-funded exposures (including derivatives), are as follows: As of March 31, 2014 Funded Non-Funded Exposure Total Exposure (In millions) Borrower 1 Rs. 121,804.1 Rs. 150.1 Rs. 121,954.2 Borrower 2 39,740.2 35,500.0 75,240.2 Borrower 3 42,582.3 22,489.0 65,071.3 Borrower 4 26,948.1 15,568.4 42,516.5 Borrower 5 42,500.0 0 42,500.0 Borrower 6 12,469.1 23,604.9 36,074.0 Borrower 7 30,000.0 0 30,000.0 Borrower 8 27,400.0 2,239.2 29,639.2 Borrower 9 26,980.8 3.3 26,984.1 Borrower 10 18,797.6 7,967.2 26,764.8 As of March 31, 2015 Funded Non-Funded Exposure Total Exposure Total Exposure (In millions) Borrower 1 Rs. 122,505.0 Rs. 290.5 Rs. 122,795.5 US$ 1,970.7 Borrower 2 25,516.9 55,571.8 81,088.7 1,301.4 Borrower 3 22,117.2 50,000.0 72,117.2 1,157.4 Borrower 4 65,000.0 16.3 65,016.3 1,043.4 Borrower 5 23,919.4 21,789.0 45,708.4 733.6 Borrower 6 38,545.2 2,068.5 40,613.7 651.8 Borrower 7 496.1 34,598.7 35,094.8 563.2 Borrower 8 35,000.0 0 35,000.0 561.7 Borrower 9 15,512.9 15,134.6 30,647.5 491.9 Borrower 10 15,338.0 15,127.9 30,465.9 488.9

Property and equipment

Property and equipment	12 Months Ended
	Mar. 31, 2015
Property and equipment	13. Property and equipment Property and equipment by asset category is as follows: As of March 31, 2014 2015 2015 (In millions) Land and premises Rs. 14,659.9 Rs. 15,339.0 US$ 246.2 Software and systems 13,150.2 16,123.2 258.8 Equipment and furniture 44,907.5 49,270.1 790.7 Property and equipment, at cost 72,717.6 80,732.3 1,295.7 Less: Accumulated depreciation 41,348.5 47,376.4 760.4 Property and equipment, net Rs. 31,369.1 Rs. 33,355.9 US$ 535.3 Depreciation and amortization charged for the years ended March 31, 2013, March 31,2014 and March 31, 2015 was Rs. 6,686.2 million, Rs. 6,980.3 million and Rs. 6,905.8 million (US$ 110.8 million), respectively.

Goodwill and other intangible a

Goodwill and other intangible assets	12 Months Ended
	Mar. 31, 2015
Goodwill and other intangible assets	14. Goodwill and other intangible assets Goodwill arising from a business combination is tested at least on an annual basis for impairment. There were no changes in the carrying amount of goodwill of Rs. 74,937.9 million for the year ended March 31, 2014 and the year ended March 31, 2015. The entire amount of goodwill was allocated to the retail business. The table below presents the gross carrying amount, accumulated amortization and net carrying amount, in total and by class of intangible assets as of March 31, 2014 and March 31, 2015: As of March 31, 2014 As of March 31, 2015 Gross Accumulated amortization Net carrying amount Gross carrying amount Accumulated amortization Net carrying amount Net carrying amount (In millions) Branch network Rs. 8,335.0 Rs. 8,133.0 Rs. 202.0 Rs. 8,335.0 Rs. 8,335.0 Rs. 0 US$ 0 Customer list 2,710.0 2,710.0 0 2,710.0 2,710.0 0 0 Core deposit 4,414.0 4,414.0 0 4,414.0 4,414.0 0 0 Favorable leases 543.0 514.0 29.0 543.0 531.0 12.0 0.2 Total Rs. 16,002.0 Rs. 15,771.0 Rs. 231.0 Rs. 16,002.0 Rs. 15,990.0 Rs. 12.0 US$ 0.2 Branch network intangible represents the benefit that the Bank received through the acquisition of a ready branch network from Centurion Bank of Punjab Limited (“CBoP”) as opposed to having to build a new one. The fair value attributable to the branch network intangible is the difference in the present values of the earnings (net of costs) that the Bank would have generated if the Bank had set up its own branches/ATMs (the “Hypothetical New Branch Network Earnings”) and the earnings (net of costs) that were generated because of the acquisition of CBoP (the “CBoP Branch Network Earnings”). Similar streams of revenues and operating costs (and therefore profits) from CBoP’s existing customer base and loan portfolio (includes net interest income, fees and commission) have been considered in determining the values of the Hypothetical New Branch Network Earnings and the CBoP Branch Network Earnings. Other assets including intangibles such as customer list, core deposits, loans, premises and equipment have been considered as assets of Hypothetical New Branch Network Earnings and the CBoP Branch Network Earnings and the value of these assets have been included in both of the networks. The aforesaid present values to compute the said intangible assets was intended to capture the advantages that the Bank received through the acquisition of a ready branch network from CBoP (as opposed to having to build a new one) in terms of time and of avoiding the administrative process required to obtaining branch licenses from the Reserve Bank of India (RBI). The Bank calculated the value of the customer list intangible through the cost approach by considering the estimated direct unit costs to source these customers multiplied by the number of customers. The Bank used the cost savings approach, i.e. the difference between the estimated cost of funds on deposit (interest cost and net maintenance costs) and the estimated cost of an equal amount of funds from an alternative source to calculate the core deposit intangible. The valuation of favorable leases intangibles was based on the cost saving to the Bank and future economic benefit until the lease expiry. The aggregate amortization charged for the years ended March 31, 2013, March 31, 2014 and March 31, 2015 was Rs. 2,304.5 million, Rs. 1,538.5 million and Rs. 219.0 million (US$ 3.5 million), respectively. The estimated amortization expense for intangible assets for each of the five succeeding twelve months period is given in the table below: As of March 31, 2015 2015 (In millions) To be amortized during the twelve months ending March 31: 2016 Rs. 7.0 US$ 0.1 2017 3.0 0.1 2018 1.0 0 2019 1.0 0 2020 0 0

Other assets

Other assets	12 Months Ended
	Mar. 31, 2015
Other assets	15. Other assets Other assets include the following: As of March 31, 2014 2015 2015 (In millions) Security deposits for leased property Rs. 3,728.7 Rs. 4,232.1 US$ 67.9 Sundry accounts receivable 22,455.4 12,492.3 200.5 Advance tax (net of provision for taxes) 12,251.3 14,703.2 236.0 Advances 1,444.8 2,682.1 43.0 Prepaid expenses 1,160.2 1,454.2 23.3 Restricted cash/ securitization margin for credit enhancement and securitized transactions 3,677.4 3,197.0 51.3 Derivatives (refer to note 24) 142,479.3 72,415.7 1,162.2 Others 27,093.9 19,301.4 309.8 Total Rs. 214,291.0 Rs. 130,478.0 US$ 2,094.0

Deposits

Deposits	12 Months Ended
	Mar. 31, 2015
Deposits	16. Deposits Deposits include demand deposits, which are non-interest-bearing, and savings and time deposits, which are interest-bearing. Deposits as of March 31, 2014 and March 31, 2015 were as follows: As of March 31, 2014 2015 2015 (In millions) Interest-bearing: Savings deposits Rs. 1,031,326.1 Rs. 1,249,266.1 US$ 20,049.2 Time deposits 2,025,828.4 2,519,412.7 40,433.5 Total interest-bearing deposits 3,057,154.5 3,768,678.8 60,482.7 Non-interest-bearing deposits 612,845.6 733,032.0 11,764.3 Total Rs. 3,670,000.1 Rs. 4,501,710.8 US$ 72,247.0 As of March 31, 2014 and March 31, 2015, time deposits of Rs. 1,327,554.2 million and Rs. 1,737,103.7 million, respectively, had a residual maturity of less than one year. The remaining deposits mature between one and ten years. As of March 31, 2014 and March 31, 2015, time deposits in excess of Rs. 0.1 million aggregated Rs. 1,872,806.1 million and Rs. 2,365,836.3 million, respectively. As of March 31, 2015, the scheduled maturities for total time deposits were as follows: As of March 31, 2015 (In millions) Due to mature in the fiscal year ending March 31: 2016 Rs. 1,737,103.7 US$ 27,878.4 2017 507,781.4 8,149.3 2018 122,233.3 1,961.7 2019 88,001.3 1,412.3 2020 47,145.4 756.6 Thereafter 17,147.6 275.2 Total Rs. 2,519,412.7 US$ 40,433.5

Short-term borrowings

Short-term borrowings	12 Months Ended
	Mar. 31, 2015
Short-term borrowings	17. Short-term borrowings Short-term borrowings are mainly comprised of money market borrowings which are unsecured and are utilized by the Bank for its treasury operations. Short-term borrowings as of March 31, 2014 and March 31, 2015 were comprised of the following: As of, March 31, 2014 March 31, 2015 March 31, 2015 (In millions) Borrowed in the call market Rs. 13,937.3 Rs. 14,851.7 US$ 238.3 Term borrowings from institutions/banks 49,550.0 80,002.8 1,284.0 Foreign currency borrowings 83,313.8 119,337.4 1,915.2 Bills rediscounted 3,974.4 0 0 Total Rs. 150,775.5 Rs. 214,191.9 US$ 3,437.5 Total borrowings outstanding: Maximum amount outstanding Rs. 383,190.9 Rs. 276,731.0 US$ 4,441.2 Average amount outstanding Rs. 213,031.8 Rs. 143,975.8 US$ 2,310.6 Weighted average interest rate 3.3 % 3.0 % 3.0 %

Long-term debt

Long-term debt	12 Months Ended
	Mar. 31, 2015
Long-term debt	18. Long-term debt Long-term debt as of March 31, 2014 and March 31, 2015 comprised of the following: As of March 31, 2014 March 31, 2015 March 31, 2015 (In millions) Subordinated debt Rs. 174,730.5 Rs. 175,849.0 US$ 2,822.2 Others 220,478.1 282,085.4 4,527.1 Total Rs. 395,208.6 Rs. 457,934.4 US$ 7,349.3 The below table presents the balance of long term debt as of March 31, 2014 and March 31, 2015 and the related contractual rates and maturity dates: Years ended March 31, 2014 2015 Maturity / Call dates Stated interest rates Total Maturity / Call dates Stated interest rates Total Total (In millions) Subordinated debt Lower Tier II Fixed rate 2015 - 2024 5.90% to 10.70% Rs. 132,580.0 2016 - 2025 6.00% to 10.70% Rs. 133,440.0 US$ 2,141.6 Upper Tier II Fixed rate 2016 - 2021 8.70% to 10.85% 34,159.0 2016 - 2021 8.70% to 10.85% 34,159.0 548.2 Variable rate 2016 - 2017 LIBOR+1.2 5,991.5 2016 - 2017 LIBOR+1.2 6,250.0 100.3 Perpetual debt 2016 - 2017 9.92% 2,000.0 2016 - 2017 9.92% 2,000.0 32.1 Others Variable rate—(1) 2015 - 2018 1.25% to 3.00% 129,708.4 2016 - 2018 1.50% to 2.59% 49,375.0 792.3 Variable rate—(2) 2015 - 2018 10.25% to 11.35% 57,299.7 2016 - 2019 9.95% to 10.55% 72,737.8 1,167.4 Fixed rate—(1) 2015 - 2019 8.54% to 10.81% 33,470.0 2016 - 2025 8.45% to 10.81% 83,950.0 1,347.3 Fixed rate—(2) 2016 - 2018 1.11% to 4.30% 76,022.6 1,220.1 Total Rs. 395,208.6 Rs. 457,934.4 US$ 7,349.3 The scheduled maturities of long-term debt are set out below: As of March 31, 2015 (In millions) Due in the twelve months ending March 31: 2016 Rs. 39,713.0 US$ 637.3 2017 101,547.4 1,629.7 2018 98,097.7 1,574.3 2019 39,397.3 632.3 2020 2,500.0 40.1 Thereafter (1) 174,679.0 2,803.4 Total Rs. 455,934.4 US$ 7,317.1 (1) The scheduled maturities of long-term debt do not include perpetual bonds of Rs. 2.0 billion. During the year ended March 31, 2015 the Bank issued subordinated debt qualifying for Lower Tier II capital, under RBI regulatory guidelines, amounting to Rs. 5,000 million (previous period Rs. 2,300.0 million) and raised other long term debt Rs. 99,257.6 million (previous period Rs. 144,041.9 million). As of March 31, 2014 and March 31, 2015, other long-term debt includes foreign currency borrowings from other banks aggregating to Rs. 129,708.4 million and Rs. 125,397.6 million, respectively, and functional currency borrowings aggregating to Rs. 90,769.7 million and Rs. 156,687.8 million, respectively.

Accrued expenses and other liab

Accrued expenses and other liabilities	12 Months Ended
	Mar. 31, 2015
Accrued expenses and other liabilities	19. Accrued expenses and other liabilities Accrued expenses and other liabilities include the amounts set forth below: As of March 31, 2014 2015 2015 (In millions) Bills payable Rs. 56,112.0 Rs. 60,853.2 US$ 976.6 Remittances in transit 22,174.7 17,791.9 285.5 Accrued expenses 20,591.7 20,468.3 328.5 New account deposits 7,073.8 12,966.3 208.1 Accounts payable 64,086.3 26,785.7 429.9 Derivatives (refer to note 24) 124,176.3 71,767.5 1,151.8 Others 54,472.9 40,288.7 646.7 Total Rs. 348,687.7 Rs. 250,921.6 US$ 4,027.1 The Bank amortizes annual fees on credit cards over the contractual period of the fees. The unamortized annual fees as of March 31, 2014 and March 31, 2015 was Rs. 176.3 million and Rs. 285.6 million (US$ 4.6 million), respectively.

Accumulated other comprehensive

Accumulated other comprehensive income	12 Months Ended
	Mar. 31, 2015
Accumulated other comprehensive income	20. Accumulated other comprehensive income The below table presents the changes in accumulated other comprehensive income (OCI) after tax for the years ended March 31, 2014 and March 31, 2015. Available for sale securities Foreign currency translation reserve Total (In millions) Balance, March 31, 2013 Rs. 222.4 Rs. 263.0 Rs. 485.4 Net unrealized gain/(loss) arising during the period (12,267.8 ) 211.5 (12,056.3 ) Amounts reclassified to income (19.5 ) 0 (19.5 ) Balance, March 31, 2014 Rs. (12,064.9 ) Rs. 474.5 Rs. (11,590.4 ) Balance, March 31, 2014 Rs. (12,064.9 ) Rs. 474.5 Rs. (11,590.4 ) Net unrealized gain/(loss) arising during the period 22,188.9 92.9 22,281.8 Amounts reclassified to income 135.0 0 135.0 Balance, March 31, 2015 Rs. 10,259.0 Rs. 567.4 Rs. 10,826.4 Balance, March 31, 2015 US$ 164.6 US$ 9.2 US$ 173.8 The below table presents the reclassification out of accumulated other comprehensive income (OCI) by income line item and the related tax effect for period ended March 31, 2014 and March 31, 2015. As of March 31, 2014 2015 2015 (In millions) Available for sale securities: Realized (gain)/loss on sales of available for sale securities, net Rs. (29.5 ) Rs. 202.7 US$ 3.3 Other than temporary impairment losses on available for sale securities 0 1.8 0 Total before tax Rs. (29.5 ) Rs. 204.5 US$ 3.3 Income tax 10.0 (69.5 ) (1.1 ) Net of tax Rs. (19.5 ) Rs. 135.0 US$ 2.2

Income taxes

Income taxes	12 Months Ended
	Mar. 31, 2015
Income taxes	21. Income taxes Income tax expense is comprised of the following: Years ended March 31, 2013 2014 2015 2015 (In millions) Current income tax expense Rs. 35,848.5 Rs. 44,324.2 Rs. 54,954.4 US$ 882.0 Deferred income tax (benefit) expense* (4,881.7 ) (1,994.6 ) (352.1 ) (5.7 ) Interest on income tax refund (1,126.7 ) (25.4 ) (82.4 ) (1.3 ) Income tax expense** Rs. 29,840.1 Rs. 42,304.2 Rs. 54,519.9 US$ 875.0 * Includes deferred income tax benefits on the amortization of intangible assets of Rs. 747.7 million, Rs. 495.6 million and Rs. 74.4 million for fiscals March 31, 2013, March 31, 2014 and March 31, 2015, respectively. ** Does not include the deferred tax effects of unrealized gains and losses on available for sale securities that are included in accumulated other comprehensive income of Rs. (3,771.9) million, Rs. 6,310.3 million and Rs. (11,425.5) million for fiscals March 31, 2013, March 31, 2014 and March 31, 2015, respectively. Includes income tax effects on reclassification adjustment on gains and losses on available for sale securities included in net income reclassified from accumulated other comprehensive income of Rs. 103.8 million, Rs. 10.0 million and Rs. (69.5) million for fiscals March 31, 2013, March 31, 2014 and March 31, 2015, respectively. Further, pretax income and income tax expense are substantially from India. The following is the reconciliation of estimated income taxes at the Indian statutory income tax rate to income tax expense as reported: Years ended March 31, 2013 2014 2015 2015 (In millions) Income before income tax expense Rs. 91,974.8 Rs. 121,750.4 Rs. 154,024.6 US$ 2,471.9 Statutory income tax rate 32.45 % 33.99 % 33.99 % 33.99 % Expected income tax expense 29,841.2 41,383.0 52,353.0 840.2 Adjustments to reconcile expected income tax to actual tax expense Interest on income tax refund, net of tax effect (761.1 ) (16.8 ) (54.4 ) (0.9 ) Nondeductible stock-based compensation 1,471.0 1,867.9 3,106.3 49.9 Income exempt from taxes (593.5 ) (450.9 ) (1,026.6 ) (16.5 ) Effect of change in statutory tax rate 0 (606.6 ) 0 0 Other, net (117.5 ) 127.6 141.6 2.3 Income tax expense Rs. 29,840.1 Rs. 42,304.2 Rs. 54,519.9 US$ 875.0 The tax effects of significant temporary differences are as follows: As of March 31, 2014 2015 2015 (In millions) Tax effect of: Deductible temporary differences: Allowance for loan losses Rs. 11,221.9 Rs. 12,576.7 US$ 201.8 Unrealized loss on securities available for sale 6,274.7 0 0 Investments, others 441.9 4.6 0.1 Derivatives 489.7 820.9 13.2 Employee benefits 2,048.5 1,225.8 19.7 Others 2,935.0 3,212.8 51.5 Deferred tax asset 23,411.7 17,840.8 286.3 Taxable temporary differences: Property and equipment 783.6 891.3 14.3 Loan origination cost 1,577.2 1,944.9 31.2 Unrealized gain on securities available for sale 0 5,209.8 83.6 Intangible assets 78.5 4.1 0.1 Deferred tax liability 2,439.3 8,050.1 129.2 Net deferred tax asset (liability) Rs. 20,972.4 Rs. 9,790.7 US$ 157.1 Management believes that the realization of the recognized deferred tax assets is more likely than not based on expectations as to future pretax income. The total unrecognized tax benefit as on March 31, 2014 and March 31, 2015 is Rs. 648.3 million and Rs. 648.3 million, respectively. The Bank recognised interest income but no interest expense or penalty for the years ended March 31, 2013, March 31, 2014 and March 31, 2015. The major income tax jurisdiction for the Bank is India. The open tax years (first assessment by the tax authorities) is pending from fiscal 2013 onwards. However, appeals filed by the Bank are pending with various local tax authorities in India for earlier tax years. A reconciliation of the beginning and ending balance of unrecognized tax benefits is as follows: Year ended March 31, 2014 2015 2015 (In millions) Opening balance Rs. 648.3 Rs. 648.3 US$ 10.4 Increase/(decrease) related to prior year tax positions 0 0 0 Closing balance Rs. 648.3 Rs. 648.3 US$ 10.4 The Bank’s total unrecognized tax benefits, if recognized, would reduce the income tax expense provisions by Rs. 648.3 million as of March 31, 2015 and thereby would affect the Bank’s effective tax rate. Significant changes in the amount of unrecognized tax benefits within the next 12 months cannot be reasonably estimated as the changes would depend upon the progress of tax examinations with various tax authorities. The Bank’s policy is to include interest and penalties related to gross unrecognized tax benefits within income taxes

Stock-based compensation

Stock-based compensation	12 Months Ended
	Mar. 31, 2015
Stock-based compensation	22. Stock-based compensation The stock-based compensation plans of the Bank are as follows. Employees Stock Option Scheme: The shareholders of the Bank approved in January 2000 Plan “A”, in June 2003 Plan “B”, in June 2005 Plan “C”, in June 2007 Plan “D” and in June 2010 Plan “E” of the Employees’ Stock Option Scheme (the “Plan”). The Bank reserved 50.0 million equity shares, with an aggregate nominal value of Rs.100.0 million, for issuance under each Plan “A”, “B” and “C”. Under Plan “D” the Bank reserved 75.0 million equity shares with an aggregate nominal value of Rs.150.0 million and under Plan “E” the Bank reserved 100.0 million equity shares with an aggregate nominal value of Rs. 200.0 million. The annual general meeting held on June 27, 2013, reserved 100.0 million equity shares with aggregate nominal value of Rs. 200.0 million for grant under the Bank’s employee stock option scheme under Plan “F”. Under the terms of each of these Plans, the Bank may issue stock options to employees and directors of the Bank, each of which is convertible into one equity share. Plan A provides for the issuance of options at the recommendation of the Compensation Committee of the Board (the “Compensation Committee”) at an average of the daily closing prices on the Mumbai Stock Exchange during the 60 days preceding the date of grant of options, which was the minimum prescribed option price under regulations then issued by the Securities and Exchange Board of India (“SEBI”). Presently, there are no stock options issued and outstanding under Plan A. Plan B, Plan C, Plan D, Plan E and Plan F provide for the issuance of options at the recommendation of the Compensation Committee at the closing price on the working day immediately preceding the date when options are granted on an Indian stock exchange. For Plan B the price is that quoted on an Indian stock exchange with the highest trading volume during the preceding two weeks, while for Plan C, Plan D, Plan E and Plan F, the price is that quoted on an Indian stock exchange with the highest trading volume as of the working day preceding the date of grant. Presently, there are no stock options issued and outstanding under Plan B. Such options vest at the discretion of the Compensation Committee, generally between 1-3 years. These options are exercisable for a period following vesting at the discretion of the Compensation Committee, subject to a maximum of five years, as set forth at the time of the grant. Modifications, if any, made to the terms and conditions of these Plans as approved by the Compensation Committee are disclosed separately. On July 20, 2013, the Compensation Committee of the Board approved the grant of a total of 32,926,500 options (Scheme XIX), a total of 7,085,000 (Scheme XX) and a total of 7,017,000 options (Scheme XXI) to the employees of the Bank, respectively. On December 24, 2013, the Compensation Committee of the Board approved the grant of a total of 31,500 options (Scheme XXII) to the employees of the Bank. On July 26, 2014, the Compensation Committee of the Board approved the grant of 574,000 options (Scheme XXIII) and 41,085,000 options (Scheme XXIV) to the employees of the Bank, respectively. Modification of employee stock option schemes During the period ended March 31, 2013, March 31, 2014 and March 31, 2015, there were no modifications to employee stock option schemes. Assumptions used The fair value of options has been estimated on the dates of each grant using a binomial option pricing model with the following assumptions: Years ended March 31, 2013* 2014 2015 Dividend yield 0 0.81%-0.83% 0.82% Expected volatility 0 28.57%-41.52% 24.30%-32.00% Risk-free interest rate 0 8.21%-9.08% 8.42%-8.63% Expected term (in years) 0 3.81-5.44 4.13-5.45 * no options were granted during the period Activity and other details Activity in the options available to be granted under the Employee Stock Option Scheme is as follows: Options available to be granted years ending March 31, 2013 2014 2015 Options available to be granted, beginning of period* 57,116,000 58,080,400 112,121,300 Equity shares allocated for grant under the plan 0 100,000,000 0 Options granted 0 (47,060,000 ) (41,659,000 ) Forfeited/ lapsed* 964,400 1,100,900 2,385,050 Options available to be granted, end of period 58,080,400 112,121,300 72,847,350 * Does not include options exchanged on acquisition of CBoP since these options on forfeiture/ lapse are not available for re-issue. Activity in the options outstanding under the Employee Stock Option Scheme is as follows: Years ended March 31, 2013 2014 2015 Options Weighted average exercise price Options Weighted average exercise price Options Weighted average exercise price Options outstanding, beginning of period 99,872,740 Rs. 389.52 65,443,045 Rs. 417.32 92,476,600 Rs. 556.06 Granted 0 0 47,060,000 679.99 41,659,000 835.50 Exercised* (33,459,050 ) 333.87 (18,903,115 ) 382.63 (22,700,740 ) 438.50 Forfeited (848,800 ) 461.85 (1,017,800 ) 618.30 (2,296,500 ) 761.32 Lapsed (121,845 ) 236.79 (105,530 ) 247.18 (105,360 ) 368.42 Options outstanding, end of period 65,443,045 Rs. 417.32 92,476,600 Rs. 556.06 109,033,000 Rs. 683.16 Options exercisable, end of period 56,752,845 Rs. 409.46 46,137,600 Rs. 431.59 41,871,400 Rs. 537.99 Weighted average fair value of options granted during the year Rs. 0 Rs. 258.53 Rs. 302.31 * As of March 31, 2013 includes 728,290 options exercised, pending allotment of equity shares. As of March 31, 2014 excludes 728,290 options of equity shares allotted which were exercised in previous year. The following summarizes information about stock options outstanding as of March 31, 2015: As of March 31, 2015 Plan Range of exercise price Number Of shares arising out of options Weighted average remaining life (years) Weighted average exercise price Plan C Rs.680.00 to Rs.835.50 (or US$ 10.91 to US$ 13.41) 6,778,000 4.32 Rs. 692.50 Plan D Rs.680.00 (or US$ 10.91) 6,402,300 4.26 680.00 Plan E Rs.440.16 to Rs.680.00 (or US$ 7.06 to US$ 10.91) 55,939,700 3.05 573.70 Plan F Rs.835.50 (or US$ 13.41) 39,913,000 5.22 835.50 The intrinsic value, of options exercised during the year ended March 31, 2013, March 31, 2014 and March 31, 2015 at grant date was Rs. 151.5 million, Rs. 129.7 million and Rs. 122.1 million, respectively and at exercise date was Rs. 9,152.2 million, Rs. 5,359.2 million and Rs. 9,662.4 million, respectively. The aggregate intrinsic value as of grant date and as at March 31, 2015 attributable to options which are outstanding as on March 31, 2015 was Rs. 236.5 million (previous year Rs. 359.2 million) and Rs. 37,020.7 million (previous year Rs. 17,823.9 million), respectively. The aggregate intrinsic value as at grant date and as at March 31, 2015 attributable to options exercisable as on March 31, 2015 was Rs. 236.5 million (previous year Rs. 359.2 million) and was Rs. 20,295.7 million (previous year Rs. 14,635.3 million), respectively. Total stock compensation cost (including on modification) recognized under these plans was Rs. 4,533.7 million, Rs. 5,495.5 million and Rs. 9,138.8 million during the years ended March 31, 2013, March 31, 2014 and March 31, 2015, respectively. There is no tax benefit recognized associated with share based compensation expense. As of March 31, 2015, there were 67,161,600 (previous year 46,339,000) unvested options with weighted average exercise price of Rs. 773.7 (previous year Rs. 680.0) and aggregate intrinsic value at grant date and as at March 31, 2015, was nil (previous year nil) and was Rs. 16,725.1 million (previous year Rs. 3,188.6 million), respectively. As at March 31, 2015, the total estimated compensation cost to be recognized in future periods was Rs. 8,515.3 million (previous year Rs. 6,299.7 million). This is expected to be recognized over a weighted average period of 0.7 years.

Retirement benefits

Retirement benefits	12 Months Ended
	Mar. 31, 2015
Retirement benefits	23. Retirement benefits Gratuity In accordance with Indian law, the Bank provides for gratuity, a defined benefit retirement plan, covering eligible employees. The plan provides for lump sum payments to vested employees at retirement, resignation, death while in employment or on termination of employment in an amount equivalent to 15 days’ eligible salary payable for each completed year of service. Vesting occurs upon completion of five years of service. The Bank makes annual contributions to funds administered by trustees and managed by insurance companies for amounts notified by said insurance companies and in respect of certain employees, the Bank makes contributions to a fund set up for the purpose and administered by the board of trustees. The contributions are invested in specific designated instruments as permitted by Indian law. The Bank accounts for the liability for future gratuity benefits using the projected unit cost method based on an actuarial valuation done on March 31 of every year. The following table sets out the funded status of the gratuity plan and the amounts recognized in the Bank’s financial statements as of March 31, 2014 and March 31, 2015: As of March 31, 2014 2015 2015 (In millions) Change in benefit obligations: Projected benefit obligation (“PBO”), beginning of the period Rs. 2,062.8 Rs. 2,374.3 US$ 38.1 Service cost 388.8 504.7 8.1 Interest cost 178.7 182.4 2.9 Actuarial(gains)/ losses (101.8 ) 204.4 3.3 Benefits paid (154.2 ) (159.9 ) (2.6 ) Projected benefit obligation, end of the period 2,374.3 3,105.9 49.8 Change in plan assets: Fair value of plan assets, beginning of the period 1,302.3 1,726.0 27.7 Expected return on plan assets 121.1 166.2 2.7 Actuarial gains/(losses) 18.6 213.5 3.4 Actual return on plan assets 139.7 379.7 6.1 Employer contributions 438.2 483.0 7.8 Benefits paid (154.2 ) (159.9 ) (2.6 ) Fair value of plan assets, end of the period 1,726.0 2,428.8 39.0 Funded Status Rs. (648.3 ) Rs. (677.1 ) US$ (10.8 ) The Bank’s expected contribution to the gratuity fund for the next fiscal year is estimated at Rs.616.4 million. The accumulated benefit obligation as of March 31, 2014 and March 31, 2015 was Rs. 1,535.7 million and Rs. 1,680.6 million, respectively. The vested accumulated benefit obligation as on March 31, 2014 and March 31, 2015 was Rs. 1,017.3 million and Rs. 1,137.8 million, respectively. Net gratuity cost for the years ended March 31, 2013, March 31, 2014 and March 31, 2015 was comprised of the following components: Fiscal years ended March 31, 2013 2014 2015 2015 (In millions) Service cost Rs. 387.2 Rs. 388.8 Rs. 504.7 US$ 8.1 Interest cost 130.6 178.7 182.4 2.9 Expected return on plan assets (88.8 ) (121.1 ) (166.2 ) (2.7 ) Actuarial (gains)/ losses (20.4 ) (120.4 ) (9.1 ) (0.1 ) Net gratuity cost Rs. 408.6 Rs. 326.0 Rs. 511.8 US$ 8.2 The assumptions used in accounting for the gratuity plan are set out below: Fiscal years ended March 31, 2013 2014 2015 (% per annum) Discount rate* 8.1 9.0 8.0 Rate of increase in compensation levels of covered employees 8.5 8.5 8.0 Rate of return on plan assets 8.0 8.0 8.0 * Weighted average assumptions used to determine both benefit obligations and net periodic benefit cost. The rate of return on plan assets is based on historical returns, the current market conditions, anticipated future assets allocation and expected future returns. The rate of return on plan assets represents a long-term average view of the expected return. The following benefit payments, which includes benefits attributable to expected future service, as appropriate, are expected to be paid. Year ending March 31, Benefit payments (In millions) 2016 Rs. 175.0 2017 185.2 2018 202.0 2019 291.8 2020 337.3 2021-2025 1,170.2 The expected benefit payments are based on the same assumptions used to measure the Bank’s benefit obligations as of March 31, 2015. The gratuity contributions of the Bank which are administered by a trust set up for the purpose are managed by two insurance companies and in respect of certain employees the funds are invested by the trust set up for the said purpose. The overall asset allocation of the gratuity fund by the two insurance companies is structured so as to provide stable earnings while still allowing for potentially higher returns through an investment in equity securities. As at March 31, 2015, the plan assets as a percentage of the total funds were as follows: As of March 31, 2015 Funds managed Funds managed by insurance company (2)* Funds managed by trust Government securities 52.2 % 27.0 % 40.2 % Debenture and bonds 29.9 % 13.6 % 45.1 % Equity securities 5.5 % 53.7 % 0 Other 12.4 % 5.7 % 14.7 % Total 100.0 % 100.0 % 100.0 % * The data pertaining to plan investment assets measured at fair value by level and total at March 31, 2015 are provided separately. Pension In respect of pensions payable to certain erstwhile CBoP employees, which are payable pursuant to a defined benefit scheme, the Bank contributes 10% of basic salary to a pension fund set up by the Bank and administered by the board of trustees and the balance amount is provided based on an actuarial valuation at the balance sheet date conducted by an independent actuary. In respect of employees who have moved to a cost to company (CTC) driven compensation structure and have completed services up to 15 years as on the date of movement to CTC driven compensation structure, any contribution made until such date, and any additional one-time contribution made for employees (who have completed more than 10 years but less than 15 years) stand frozen and will be converted into an annuity on separation after a lock-in-period of two years. Hence for this category of employees, liability stands frozen and no additional provision is required except for interest, if any. In respect of employees who accepted the offer and have completed services for more than 15 years, the pension would be paid based on the employee’s salary as of the date of movement to CTC driven compensation structure and a provision is made based on an actuarial valuation at the balance sheet date conducted by an independent actuary. The following table sets out the funded status of the pension plan and the amounts recognized in the Bank’s financial statements as of March 31, 2014 and March 31, 2015: As of March 31, 2014 2015 2015 (In millions) Change in benefit obligations: Projected benefit obligation (“PBO”), beginning of the period Rs. 581.9 Rs. 588.9 US$ 9.5 Service cost 7.7 10.2 0.2 Interest cost 48.4 43.7 0.7 Actuarial (gains)/losses 39.7 11.0 0.2 Benefits paid (88.8 ) (79.4 ) (1.3 ) Projected benefit obligation, end of the period 588.9 574.4 9.3 Change in plan assets: Fair value of plan assets, beginning of the period 488.8 479.9 7.7 Expected return on plan assets 38.7 36.0 0.6 Actuarial gains/(losses) 34.5 (23.8 ) (0.4 ) Actual return on plan assets 73.2 12.2 0.2 Employer contributions 6.7 6.4 0.1 Benefits paid (88.8 ) (79.4 ) (1.3 ) Fair value of plan assets, end of the period 479.9 419.1 6.7 Funded Status Rs. (109.0 ) Rs. (155.3 ) US$ (2.6 ) The Bank’s expected contribution to the pension fund for the next fiscal year is estimated at Rs. 157.0 million. The accumulated benefit obligation as of March 31, 2014 and March 31, 2015 was Rs. 375.8 million and Rs. 339.6 million, respectively. The vested accumulated benefit obligation as of March 31, 2014 and March 31, 2015 was Rs. 264.0 million and Rs. 223.3 million, respectively. Net pension cost for the year ended March 31, 2013, March 31, 2014 and March 31, 2015 was comprised of the following components: As of March 31, 2013 2014 2015 2015 (in millions) Service cost Rs. 13.2 Rs. 7.7 Rs. 10.2 US$ 0.2 Interest cost 41.8 48.4 43.7 0.7 Expected return on plan assets (40.0 ) (38.7 ) (36.0 ) (0.6 ) Actuarial (gains)/losses 85.1 5.2 34.8 0.6 Net pension cost Rs. 100.1 Rs. 22.6 Rs. 52.7 US$ 0.9 The assumptions used in accounting for the pension plan are set out below: Fiscal years ended March 31, 2013 2014 2015 (% per annum) Discount rate* 8.1 9.0 8.0 Rate of increase in compensation levels of covered employees 8.5 8.5 8.0 Rate of return on plan assets 8.0 8.0 8.0 * Weighted average assumptions used to determine both benefit obligations and net periodic benefit cost. The following benefit payments, which include benefits attributable to expected future service, as appropriate, are expected to be paid. Year ending March 31, Benefit payments (In millions) 2016 Rs. 79.1 2017 38.0 2018 76.7 2019 88.5 2020 76.2 2021-2025 225.7 The expected benefits are based on the same assumptions used to measure the Bank’s benefit obligations as of March 31, 2015. The retirement funds of a section of the employees are managed by a trust set up for the purpose. The trust essentially manages the defined retirement benefit plans belonging to certain employees. The funds are mainly invested in government securities and other corporate bonds. The weighted-average asset allocation of the said plan assets for the pension benefits as at March 31, 2015 is as follows: Asset category Funds managed by trust Government securities 7.0 % Debenture and bonds 78.2 % Other 14.8 % Total 100.0 % For information on fair value measurements, including descriptions of Levels 1, 2 and 3 of the fair value hierarchy and the valuation methods employed by the Bank, see note 32 – Fair value measurements. Plan investment assets for gratuity funds and the pension fund measured at fair value by level and in total as of March 31, 2014 and March 31, 2015 are summarized in the table below. As of March 31, 2014 As of March 31, 2015 Level 1 Level 2 Level 3 Level 1 Level 2 Level 3 (In millions) Funds managed by insurance company (1) Rs. 0 Rs. 0 Rs. 404.0 Rs. 0 Rs. 0 Rs. 489.2 Funds managed by insurance company (2) 0 1,082.3 0 0 1,688.6 0 Funds managed by trust — Government securities 0 113.6 0 0 130.2 0 — Debenture and bonds 0 441.3 0 0 440.9 0 — Others 164.7 0 0 99.0 0 0 Total Rs. 164.7 Rs. 1,637.2 Rs. 404.0 Rs. 99.0 Rs. 2,259.7 Rs. 489.2 US$ 1.6 US$ 36.3 US$ 7.8 The table below presents a reconciliation of all Plan investment assets measured at fair value using significant unobservable inputs (Level 3) during fiscal 2014 and 2015. Funds managed by Insurance companies as of March 31, 2014 2015 2015 (In millions) Particular Opening balance Rs. 378.6 Rs. 404.0 US$ 6.5 Realized interest credited to fund 31.5 0 0 Contribution during the period 131.5 140.8 2.2 Amount paid towards claim (137.6 ) (55.6 ) (0.9 ) Closing balance Rs. 404.0 Rs. 489.2 US$ 7.8 Superannuation Eligible employees of the Bank are entitled to receive retirement benefits under the Bank’s superannuation fund. The superannuation fund is a defined contribution plan under which the Bank annually contributes a sum equivalent to 13% of the employee’s eligible annual salary (15% for the Managing Director, Executive Directors and for certain employees of CBoP) to the Life Insurance Corporation of India, which administers the fund. The Bank has no liability for future superannuation fund benefits other than its annual contribution, and recognizes such contributions as an expense in the year incurred. The Bank contributed Rs. 373.3 million, Rs. 432.2 million and Rs. 536.8 million to the superannuation plan for the years ended March 31, 2013, March 31, 2014 and March 31, 2015, respectively. Provident fund In accordance with Indian law, eligible employees of the Bank are entitled to receive benefits under the provident fund, a defined contribution plan in which both the employee and the Bank contribute monthly at a determined rate (currently 12% of an employee’s eligible salary). These contributions are made to a fund set up by the Bank and administered by a board of trustees, except that out of the employer’s contribution, an amount equal to 8.33% of the lower of employee’s monthly eligible salary or Rs. 0.0065 million, is contributed by the Bank to the Pension Scheme administered by the Regional Provident Fund Commissioner. Employees are credited with interest, which is subject to a government specified minimum rate. The Bank has no liability for future provident fund benefits other than its annual contribution and the shortfall, if any, between the government specified minimum rate and the yield on the fund’s assets, and recognizes such contributions as an expense in the year incurred. The Bank contributed Rs. 1,295.4 million, Rs. 1,433.4 million and Rs. 1,600.2 million to the provident fund for the years ended March 31, 2013, March 31, 2014 and March 31, 2015, respectively. Compensated absences The Bank has provided for unutilized leave balances as on March 31, 2015 standing to the credit of each employee on an actuarial valuation conducted by an independent actuary.

Financial instruments

Financial instruments	12 Months Ended
	Mar. 31, 2015
Financial instruments	24. Financial instruments Foreign exchange and derivative contracts The Bank enters into forward exchange contracts, currency options, forward rate agreements, currency swaps and rupee interest rate swaps with inter-bank participants on its own account and for customers. These transactions enable customers to transfer, modify or reduce their foreign exchange and interest rate risks. Forward exchange contracts are commitments to buy or sell foreign currency at a future date at the contracted rate. Currency swaps are commitments to exchange cash flows by way of interest in one currency against another currency and exchange of principal amount at maturity based on predetermined rates. Rupee interest rate swaps are commitments to exchange fixed and floating rate cash flows in rupees. A forward rate agreement gives the buyer the ability to determine the underlying rate of interest for a specified period commencing on a specified future date (the settlement date) when the settlement amount is determined being the difference between the contracted rate and the market rate on the settlement date. Currency options give the buyer the right, but not an obligation, to buy or sell specified amounts of currency at agreed rates of exchange on or before a specified future date. The market and credit risk associated with these products, as well as the operating risks, are similar to those relating to other types of financial instruments. Market risk is the exposure created by movements in interest rates and exchange rates during the tenure of the transaction. The extent of market risk affecting such transactions depends on the type and nature of the transaction, the value of the transaction and the extent to which the transaction is uncovered. Credit risk is the exposure to loss in the event of default by counterparties. The extent of loss on account of a counterparty default will depend on the replacement value of the contract at the ongoing market rates. The Bank uses its pricing models to determine fair values of its derivative financial instruments. The Bank records credit risk valuation adjustments on derivative financial instruments in order to reflect the credit quality of the counterparties and its own credit quality. The Bank calculates valuation adjustments on derivatives based on observable market credit risk spreads. The following table presents the aggregate notional principal amounts of the Bank’s outstanding forward exchange and other derivative contracts as of March 31, 2014 and March 31, 2015, together with the fair values on each reporting date. As of March 31, 2014 Notional Gross Assets Gross Liabilities Net Fair Value (In millions) Interest rate derivatives Rs. 1,772,658.7 Rs. 10,766.4 Rs. 12,240.7 Rs. (1,474.3 ) Currency options 165,920.4 1,329.4 1,640.4 (311.0 ) Currency swaps 71,041.3 5,055.9 3,326.6 1,729.3 Forward exchange contracts 4,753,861.2 125,327.6 106,968.6 18,359.0 Total Rs. 6,763,481.6 Rs. 142,479.3 Rs. 124,176.3 Rs. 18,303.0 As of March 31, 2015 Notional Gross Assets Gross Liabilities Net Fair Value Notional Net Fair Value (In millions) Interest rate derivatives Rs. 2,210,332.2 Rs. 6,959.2 Rs. 7,289.0 Rs. (329.8 ) US$ 35,473.2 US$ (5.3 ) Forward rate agreements 8,098.5 2.5 2.6 (0.1 ) 130.0 0 Currency options 144,827.2 952.5 1,062.1 (109.6 ) 2,324.3 (1.8 ) Currency swaps 70,521.8 4,225.2 3,093.3 1,131.9 1,131.8 18.2 Forward exchange contracts 6,740,520.9 60,276.3 60,320.5 (44.2 ) 108,177.2 (0.7 ) Total Rs. 9,174,300.6 Rs. 72,415.7 Rs. 71,767.5 Rs. 648.2 US$ 147,236.5 US$ 10.4 The Bank has not designated the above contracts as accounting hedges and accordingly the contracts are recorded at fair value on the balance sheet with changes in fair value recorded in earnings. The gross assets and the gross liabilities are recorded in ‘other assets’ and ‘accrued expenses and other liabilities’, respectively. The following table summarizes certain information related to derivative amounts recognized in income: Non-interest revenue, net – Derivatives for the years ended March 31, 2014 2015 2015 (In millions) Interest rate derivatives Rs. (1,768.7 ) Rs. (383.4 ) US$ (6.2 ) Forward rate agreements 0 3.0 0 Currency options 250.0 303.0 4.9 Currency swaps 662.6 151.3 2.4 Forward exchange contracts 975.6 (7,466.9 ) (119.7 ) Total gains/(losses) Rs. 119.5 Rs. (7,393.0 ) US$ (118.6 ) Offsetting The following table shows the impact of netting arrangements on derivative financial instruments, repurchase and reverse repurchase agreements that are subject to enforceable master netting arrangements or similar agreements, but are not offset in accordance with ASC 210-20-45 and ASC 815-10-45. The Bank enters into International Swaps and Derivatives Association, Inc. (ISDA) master netting agreements or similar agreements with substantially all of the Bank’s foreign exchange and derivative contract counterparties. These master netting agreements, give the Bank, in the event of default by the counterparty, the right to liquidate collaterals held or placed and to offset receivables and payables with the same counterparty. In the table below the Bank has presented the gross derivative assets and liabilities adjusted for the effects of master netting agreements and collaterals received or pledged. Transactions with counterparties for Securities sold under agreements to repurchase (“repos”) and securities purchased under agreements to resell (“reverse repos”) are settled through the Clearing Corporation of India Limited (“CCIL”), a centralized clearing house. Collaterals received or pledged comprise of highly liquid investments. For undertaking the above transactions, power of attorney is executed by the Bank and the counterparties in favor of CCIL to liquidate the securities pledged in the event of default. As of March 31, 2014 Amounts subject to enforceable netting arrangements Effects of offsetting on balance sheet Related amounts not offset Gross Amounts Amounts offset Net amounts reported in the balance sheet Financial instruments Financial (1) Net amount (In millions) Financial assets Derivative assets Rs. 142,479.3 Rs. 0 Rs. 142,479.3 Rs. 101,787.6 Rs. 9,191.9 Rs. 31,499.8 Securities purchased under agreements to resell 57,322.6 0 57,322.6 0 57,322.6 0 Financial liabilities Derivative liabilities Rs. 124,176.3 Rs. 0 Rs. 124,176.3 Rs. 101,787.6 Rs. 305.3 Rs. 22,083.4 (1) Comprised of securities and cash collaterals. These amounts are limited to the asset/ liability balance, and accordingly, do not include excess collateral received/ pledged. As of March 31, 2015 Amounts subject to enforceable netting arrangements Effects of offsetting on balance sheet Related amounts not offset Gross Amounts Amounts Net amounts Financial Financial (1) Net amount Net amount (In millions) Financial assets Derivative assets Rs. 72,415.7 Rs. 0 Rs. 72,415.7 Rs. 53,534.5 Rs. 2,761.7 Rs. 16,119.5 US$ 258.7 Securities purchased under agreements to resell 1,592.6 0 1,592.6 0 1,592.6 0 0 Financial liabilities Derivative liabilities Rs. 71,767.5 Rs. 0 Rs. 71,767.5 Rs. 53,534.5 Rs. 390.8 Rs. 17,842.2 US$ 286.3 Securities sold under repurchase agreements 50,000.0 0 50,000.0 0 50,000.0 0 0 (1) Comprised of securities and cash collaterals. These amounts are limited to the asset/ liability balance, and accordingly, do not include excess collateral received/ pledged. Guarantees As a part of its commercial banking activities, the Bank has issued guarantees and documentary credits, such as letters of credit, to enhance the credit standing of its customers. These generally represent irrevocable assurances that the Bank will make payments in the event that the customer fails to fulfill his financial or performance obligations. Financial guarantees are obligations to pay a third party beneficiary where a customer fails to make payment towards a specified financial obligation. Performance guarantees are obligations to pay a third party beneficiary where a customer fails to perform a non-financial contractual obligation. The tenure of the guarantees issued or renewed by the Bank is normally in line with requirements on case by case basis as may be assessed by the Bank. The remaining tenure of guarantees presently issued by the Bank and outstanding range from 1 day to 17.9 years. The credit risk associated with these products, as well as the operating risks, is similar to those relating to other types of financial instruments. In terms of FASB ASC 460-10 the Bank has recognized a liability of Rs. 1,301.7 million and Rs. 1,509.7 million as of March 31, 2014 and March 31, 2015, respectively, in respect of guarantees issued or modified. Based on historical trends, in terms of FASB ASC 450, the Bank has recognized a liability of Rs. 846.0 million and Rs. 973.3 million as of March 31, 2014 and March 31, 2015, respectively. Details of guarantees and documentary credits outstanding are set out below: As of March 31, 2014 2015 2015 (In millions) Nominal values: Bank guarantees: Financial guarantees Rs. 161,259.8 Rs. 160,779.8 US$ 2,580.3 Performance guarantees 88,204.3 114,906.3 1,844.1 Documentary credits 192,095.2 279,900.5 4,492.1 Total Rs. 441,559.3 Rs. 555,586.6 US$ 8,916.5 Estimated fair values: Guarantees Rs. (1,301.7 ) Rs. (1,509.7 ) US$ (24.2 ) Documentary credits (179.0 ) (249.0 ) (4.0 ) Total Rs. (1,480.7 ) Rs. (1,758.7 ) US$ (28.2 ) As part of its risk management activities, the Bank continuously monitors the credit-worthiness of customers as well as guarantee exposures. If a customer fails to perform a specified obligation, a beneficiary may draw upon the guarantee by presenting documents in compliance with the guarantee. In that event, the Bank makes payment on account of the defaulting customer to the beneficiary up to the full notional amount of the guarantee. The customer is obligated to reimburse the Bank for any such payment. If the customer fails to pay, the Bank liquidates any collateral held and sets off accounts; if insufficient collateral is held, the Bank recognizes a loss. Loan sanction letters The Bank issues sanction letters indicating its intent to provide new loans to certain customers. The aggregate of loans contemplated in these letters that had not yet been disbursed was Rs. 628,087.2 million (US$ 10,080.0 million) as of March 31, 2015. If the Bank were to make such loans, the interest rates would be dependent on the lending rates in effect when the loans were disbursed. The Bank has no commitment to lend under these letters. Among other things, the making of a loan is subject to a review of the credit-worthiness of the customer at the time the customer seeks to borrow, at which time the Bank has the unilateral right to decline to make the loan.

Estimated fair value of financi

Estimated fair value of financial instruments	12 Months Ended
	Mar. 31, 2015
Estimated fair value of financial instruments	25. Estimated fair value of financial instruments The Bank’s financial instruments include financial assets and liabilities recorded on the balance sheet, including instruments such as foreign exchange and derivative contracts. Management uses its best judgment in estimating the fair value of the Bank’s financial instruments; however, there are inherent weaknesses in any estimation technique. Therefore, for substantially all financial instruments, the fair value estimates presented herein are not necessarily indicative of all the amounts the Bank could have realized in a sales transaction as of March 31, 2014 and March 31, 2015. The estimated fair value amounts as of March 31, 2014 and March 31, 2015 have been measured as of the respective year ends, and have not been re-evaluated or updated for purposes of these financial statements subsequent to those respective dates. As such, the estimated fair values of these financial instruments subsequent to the respective reporting dates may be different than the amounts reported at each year end. Financial instruments valued at carrying value The respective carrying values of certain on-balance-sheet financial instruments approximated their fair value. These financial instruments include cash and amounts due from banks,non-interest-bearing deposits in banks, securities purchased and sold under resale and repurchase agreements, accrued interest receivable, acceptances, accrued interest payable, and certain other assets and liabilities that are considered financial instruments. Carrying values were assumed to approximate fair values for these financial instruments as they are short-term in nature and their recorded amounts approximate fair values or are receivable or payable on demand. Trading securities Trading securities are carried at fair value based on quoted market prices. If quoted market prices did not exist, fair values were estimated using market yield on balance period to maturity on similar instruments and similar credit risk. For more information on the fair value of these securities, refer to Note 5. Available for sale securities Available for sale investments principally comprise of debt securities and are carried at fair value. Such fair values were based on quoted market prices, if available. If quoted market prices did not exist, fair values were estimated using a market yield on the balance period to maturity on similar instruments and similar credit risks. The fair values of asset-backed and mortgage-backed securities are estimated based on revised estimated cash flows at each balance sheet date, discounted at current market pricing for transactions with similar risk. A reduction in the estimated cash flows of these instruments will adversely impact the value of these securities. A change in the timing of these estimated cash flows will also impact the value of these securities. For more information on the fair value of these securities, refer to Note 6. Loans The fair values of consumer installment loans and other consumer loans that do not reprice or mature frequently are estimated using discounted cash flow models. The discount rates are based on internal models which have been changed during the current year from discount rates based on current market price for loans with similar characteristics and risk factors. The Level 3 loans would decrease (increase) in value based upon an increase (decrease) in discount rate. Since substantially all individual lines of credit and other variable rate consumer loans reprice frequently, with interest rates reflecting current market pricing, the carrying values of these loans approximate their fair values. The fair values of commercial loans that do not reprice or mature within relatively short time frames are estimated using discounted cash flow models. The discount rates are based on internal models which have been changed during the current year from discount rates based on current market price for loans with similar characteristics and risk factors. The Level 3 loans would decrease (increase) in value based upon an increase (decrease) in discount rate. For commercial loans that reprice within relatively short time frames, the carrying values approximate their fair values. For purposes of these fair value estimates, the fair values of impaired loans were computed by deducting an estimated market discount from their carrying values to reflect the uncertainty of future cash flows. Deposits The fair value of demand deposits, savings deposits, and money market deposits without defined maturities are the amounts payable on demand. For deposits with defined maturities, the fair values were estimated using discounted cash flow models that apply market interest rates corresponding to similar deposits and timing of maturities. Short-term borrowings The fair values of the Bank’s short-term debt were calculated based on a discounted cash flow model. The discount rates were based on yield curves appropriate for the remaining maturities of the instruments. Long-term debt The fair values of the Bank’s unquoted long-term debt instruments were calculated based on a discounted cash flow model. The discount rates were based on yield curves appropriate for the remaining maturities of the instruments. Term placements The fair values of term placements were estimated using discounted cash flow models. The discount rates were based on current market pricing for placements with similar characteristics and risk factors. Derivatives See note 24 A comparison of the fair values and carrying values of financial instruments is set out below: As of March 31, 2014 March 31, 2015 Estimated Fair Value Estimated Fair Value Carrying Value Level 1 Level 2 Level 3 Total Carrying Value Level 1 Level 2 Level 3 Total Carrying Value Estimated Fair Value (In millions) Financial Assets: Cash and cash equivalents Rs. 370,835.2 Rs. 370,835.2 Rs. 0 Rs. 0 Rs. 370,835.2 Rs. 341,124.3 Rs. 341,124.3 Rs. 0 Rs. 0 Rs. 341,124.3 US$ 5,474.6 US$ 5,474.6 Term placements 176,481.7 0 176,346.4 0 176,346.4 169,989.5 0 169,990.7 0 169,990.7 2,728.1 2,728.1 Investments held for trading 65,077.9 25.9 65,052.0 0 65,077.9 61,292.8 0 61,292.8 0 61,292.8 983.7 983.7 Investments available for sale* 908,128.9 341.1 907,787.8 0 908,128.9 1,503,708.4 105,008.8 1,382,450.2 16,249.4 1,503,708.4 24,132.8 24,132.8 Securities purchased under agreements to resell 57,322.6 0 57,322.6 0 57,322.6 1,592.6 0 1,592.6 0 1,592.6 25.6 25.6 Loans 3,185,648.1 0 3,220,631.0 0 3,220,631.0 3,896,115.0 0 1,190,272.3 2,726,798.2 3,917,070.5 62,527.9 62,864.2 Accrued interest receivable 40,388.5 0 40,388.5 0 40,388.5 45,705.0 0 45,705.0 0 45,705.0 733.5 733.5 Other assets 186,036.9 0 184,774.8 0 184,774.8 109,722.4 0 108,346.3 0 108,346.3 1,760.9 1,738.8 Financial Liabilities: Interest-bearing deposits 3,057,154.5 0 3,039,651.4 0 3,039,651.4 3,768,678.8 0 3,766,754.6 0 3,766,754.6 60,482.7 60,451.8 Non-interest-bearing deposits 612,845.6 0 612,845.6 0 612,845.6 733,032.0 0 733,032.0 0 733,032.0 11,764.3 11,764.3 Securities sold under repurchase agreements 0 0 0 0 0 50,000.0 0 50,000.0 0 50,000.0 802.4 802.4 Short-term borrowings 150,775.5 0 151,062.9 0 151,062.9 214,191.9 0 214,448.4 0 214,448.4 3,437.5 3,441.6 Accrued interest payable 27,734.7 0 27,734.7 0 27,734.7 32,689.5 0 32,689.5 0 32,689.5 524.6 524.6 Long-term debt 395,208.6 0 399,998.8 0 399,998.8 457,934.4 0 466,351.5 0 466,351.5 7,349.3 7,484.4 Accrued expenses and other liabilities 295,116.6 0 295,116.6 0 295,116.6 200,563.5 0 200,563.5 .0 200,563.5 3,218.8 3,218.8 * excluding investments carried at cost Rs. 704.4 million (US$11.3 million) (as at March 31, 2014, Rs.695.4 million)

Segment information

Segment information	12 Months Ended
	Mar. 31, 2015
Segment information	26. Segment information The Bank operates in three reportable segments: wholesale banking, retail banking and treasury services. The revenue and related expense recognition policies are set out in Note 2. Substantially all operations and assets are based in India. The retail banking segment serves retail customers through a branch network and other delivery channels. This segment raises deposits from customers and makes loans, provides credit cards and debit cards, distributes third-party financial products, such as mutual funds and insurance, and provides advisory services to such customers. Revenues of the retail banking segment are derived from interest earned on retail loans, fees for banking and advisory services, profit from foreign exchange and derivative transactions and interest earned from other segments for surplus funds placed with those segments. Expenses of this segment are primarily comprised of interest expense on deposits, infrastructure and premises expenses for operating the branch network and other delivery channels, personnel costs, other direct overheads and allocated expenses. The Bank’s retail banking loan products also include loans to small and medium enterprises for commercial vehicles, construction equipment and other business purposes. Such grouping ensures optimum utilization and deployment of specialized resources in the retail banking business. The wholesale banking segment provides loans and transaction services to corporate customers. As discussed above, loans to small and medium enterprises for commercial vehicles, construction equipment and other business purposes are included in the retail banking segment. Revenues of the wholesale banking segment consist of interest earned on loans made to corporate customers, investment income from credit substitutes, interest earned on the cash float arising from transaction services, fees from such transaction services and profits from foreign exchange and derivative transactions with wholesale banking customers. The principal expenses of the segment consist of interest expense on funds borrowed from other segments, premises expenses, personnel costs, other direct overheads and allocated expenses. The treasury services segment undertakes trading operations on the proprietary account (including investments in government securities), foreign exchange operations and derivatives trading both on the proprietary account and customer flows and borrowings. Revenues of the treasury services segment primarily consist of fees and gains and losses from trading operations and of net interest revenue/ expense from investments in government securities and borrowings. Revenues from foreign exchange and derivative operations and customer flows are classified under the retail or wholesale segments depending on the profile of the customer. Segment income and expenses include certain allocations. Interest income is charged by a segment that provides funding to another segment, based on yields benchmarked to an internally developed composite yield curve which broadly tracks market-discovered interest rates. Directly identifiable overheads are attributed to a segment at actual amounts incurred. Indirect shared costs, principally corporate office expenses, are generally allocated to each segment on the basis of area occupied, number of staff, volume and nature of transactions. Wholesale banking segment includes unallocated tax balances and other items. Summarized segment information for the years ended March 31, 2013, March 31, 2014 and March 31, 2015: Fiscal years ended March 31, 2013 2014 Retail Banking Wholesale Banking Treasury Services Total Retail Banking Wholesale Banking Treasury Services Total (In millions) Net interest income/ (expense) (External) Rs. 88,384.7 Rs. 68,846.3 Rs. (154.5 ) Rs. 157,076.5 Rs. 105,479.2 Rs. 82,160.1 Rs. 4,932.8 Rs. 192,572.1 Net interest income/ (expense) (Internal) 39,908.1 (41,783.7 ) 1,875.6 0 46,099.3 (48,923.0 ) 2,823.7 0 Net interest revenue 128,292.8 27,062.6 1,721.1 157,076.5 151,578.5 33,237.1 7,756.5 192,572.1 Less: Provision for credit losses 11,107.1 1,580.9 0 12,688.0 14,942.4 2,485.7 0 17,428.1 Net interest revenue, after allowance for credit losses 117,185.7 25,481.7 1,721.1 144,388.5 136,636.1 30,751.4 7,756.5 175,144.0 Non-interest revenue 56,181.9 6,619.0 2,376.5 65,177.4 62,670.8 8,551.4 (387.7 ) 70,834.5 Non-interest expense (105,510.9 ) (9,803.3 ) (2,276.9 ) (117,591.1 ) (116,511.1 ) (6,354.4 ) (1,362.6 ) (124,228.1 ) Income before income tax Rs. 67,856.7 Rs. 22,297.4 Rs. 1,820.7 Rs. 91,974.8 Rs. 82,795.8 Rs. 32,948.4 Rs. 6,006.2 Rs. 121,750.4 Income tax expense Rs. 29,840.1 Rs. 42,304.2 Segment assets: Segment total assets Rs. 2,301,087.4 Rs. 1,684,462.0 Rs. 385,356.7 Rs. 4,370,906.1 Rs. 2,838,734.3 Rs. 1,776,968.9 Rs. 509,704.1 Rs. 5,125,407.3 Fiscal year ended March 31 2015 Retail Banking Wholesale Banking Treasury Services Total Total (In millions) Net interest income/(expense) (External) Rs. 110,165.3 Rs. 108,033.7 Rs. 17,977.3 Rs. 236,176.3 US$ 3,790.4 Net interest income/(expense) (Internal) 74,670.9 (67,529.7 ) (7,141.2 ) 0 0 Net interest revenue 184,836.2 40,504.0 10,836.1 236,176.3 3,790.4 Less: Provision for credit losses 12,355.4 4,644.8 0 17,000.2 272.8 Net interest revenue, after allowance for credit losses 172,480.8 35,859.2 10,836.1 219,176.1 3,517.6 Non-interest revenue 73,189.9 9,557.4 (2,925.8 ) 79,821.5 1,281.1 Non-interest expense (132,305.4 ) (11,547.9 ) (1,119.7 ) (144,973.0 ) (2,326.8 ) Income before income tax Rs. 113,365.3 Rs. 33,868.7 Rs. 6,790.6 Rs. 154,024.6 US$ 2,471.9 Income tax expense Rs. 54,519.9 US$ 875.0 Segment assets: Segment total assets Rs. 3,528,407.2 Rs. 2,248,913.1 Rs. 481,695.5 Rs. 6,259,015.8 US$ 100,449.7

Commitments and contingencies

Commitments and contingencies	12 Months Ended
	Mar. 31, 2015
Commitments and contingencies	27. Commitments and contingencies Commitments and contingent liabilities other than for off balance sheet financial instruments (see note 24) are as follows: Capital commitments The Bank has entered into committed capital contracts, principally for branch expansion and technology upgrades. The estimated amounts of contracts remaining to be executed on the capital account as of March 31, 2014 and March 31, 2015 aggregated Rs. 2,492.2 million and Rs. 3,260.4 million, respectively. Contingencies The Bank is party to various legal proceedings in the normal course of business. The Bank estimates the provision for these indirect taxes since no precedents exist which could be used as points of reference. The amount of claims against the Bank towards indirect taxes and other claims which are not acknowledged as debts as of March 31, 2015 aggregated to Rs. 3,964.8 million (previous year Rs. 4,090.9). The Bank does not expect the outcome of these proceedings to have a material adverse effect on the Bank’s results of operations, financial condition or cash flows. The Bank intends to vigorously defend these claims. Although the results of legal actions cannot be predicted with certainty, it is the opinion of management, after taking appropriate legal advice, that the likelihood of these claims becoming obligations of the Bank is remote and hence the resolution of these actions will not have a material adverse effect, if any, on the Bank’s business, financial condition or results of operations. Lease commitments The Bank is party to operating leases for certain of its office premises, employee residences and ATMs, with a renewal at the option of the Bank. The Bank has sub-leased certain of its properties taken on lease. The rental expenses and sub-lease income is as follows: As of March 31, 2013 2014 2015 2015 (In millions) The total minimum lease expense during the year recognized in the consolidated statement of income Rs. 7,006.1 Rs. 7,655.7 Rs. 8,974.5 US$ 144.0 The future minimum lease payments as of March 31, 2015 were as follows: Year ending March 31, Payments (In millions) 2016 Rs. 8,070.8 US$ 129.5 2017 7,861.9 126.2 2018 7,220.7 115.9 2019 6,271.6 100.7 2020 5,384.1 86.4 Thereafter 20,219.7 324.5 Total Rs. 55,028.8 US$ 883.2 Reward points The movement in provision for credit card and debit card reward points as of March 31, 2014 and March 31, 2015 is as follows:. As of March 31, 2014 2015 2015 (In millions) Opening provision of reward points Rs. 1,300.7 Rs. 1,509.1 US$ 24.2 Provision made during the year 1,008.9 1,066.8 17.1 Utilization/write back of provision (577.2 ) (637.6 ) (10.2 ) Effect of change in rate of accrual of reward points (223.3 ) (408.3 ) (6.6 ) Effect of change in cost of reward points 0 470.7 7.6 Closing provision of reward points Rs. 1,509.1 Rs. 2,000.7 US$ 32.1

Related party transactions

Related party transactions	12 Months Ended
	Mar. 31, 2015
Related party transactions	28. Related party transactions The Bank’s principal related parties consist of HDFC Limited, its principal owner, subsidiaries of HDFC Limited and affiliates of the Bank. Transactions disclosed under “others” primarily consist of transactions with subsidiaries of HDFC Limited and affiliates of the Bank. The Bank enters into transactions with its related parties, such as providing banking services, sharing costs and service providers, purchasing services, making joint investments, and borrowing from related parties and subletting premises. The Bank is prohibited from making loans to companies with which it has directors in common. The Bank, being an authorized dealer, deals in foreign exchange and derivative transactions with certain parties which include the principal owner and related companies. The foreign exchange and derivative transactions are undertaken in line with the RBI guidelines. The Bank’s related party balances and transactions are summarized as follows: Balances payable to related parties are as follows: As of March 31, 2014 2015 Principal Others Total Principal owner Others Total Total (In millions) Balances in non-interest-bearing deposits Rs. 29,348.1 Rs. 5,541.4 Rs. 34,889.5 Rs. 11,333.1 Rs. 6,902.2 Rs. 18,235.3 US$ 292.7 Balances in interest-bearing deposits 25,600.3 1,341.6 26,941.9 10,701.3 1,482.7 12,184.0 195.5 Accrued expenses and other liabilities 143.2 0 143.2 192.5 0 192.5 3.1 Total Rs. 55,091.6 Rs. 6,883.0 Rs. 61,974.6 Rs. 22,226.9 Rs. 8,384.9 Rs. 30,611.8 US$ 491.3 Balances receivable from related parties are as follows: As of March 31, 2014 2015 Principal Others Total Principal owner Others Total Total (In millions) Loans Rs. 0 Rs. 450.9 Rs. 450.9 Rs. 0 Rs. 267.7 Rs. 267.7 US$ 4.3 Other assets 126.4 701.6 828.0 150.4 443.3 593.7 9.5 Total Rs. 126.4 Rs. 1,152.5 Rs. 1,278.9 Rs. 150.4 Rs. 711.0 Rs. 861.4 US$ 13.8 Purchase of property and equipment from related parties for the years ended March 31, 2014 and 2015 were nil. Purchase and sale of investments from Others for the year ended March 31, 2015 were Rs. 9,326.3 million (previous year Rs. 2,365.6 million) and Rs. 3,374.1 million (previous year Rs.4,117.4 million), respectively. Investment of Others in the Bank’s tier II bonds for the year ended March 31, 2015 were Rs. 900.0 million (previous year Rs. 900.0 million). Included in the determination of net income are the following significant transactions with related parties: March 31, 2013 2014 2015 Principal owner Others Total Principal owner Others Total Principal owner Others Total Total (In millions) Non-interest revenue-Fees and commissions Rs. 1,395.9 Rs. 6,689.5 Rs. 8,085.4 Rs. 1,308.1 Rs. 5,351.6 Rs. 6,659.7 Rs. 1,443.7 Rs. 7,108.8 Rs. 8,552.5 US$ 137.3 Interest and Dividend revenue 0 19.1 19.1 0 110.8 110.8 0 73.4 73.4 1.2 Interest expense-Deposits (97.9 ) (131.8 ) (229.7 ) (88.3 ) (199.6 ) (287.9 ) (76.0 ) (224.8 ) (300.8 ) (4.8 ) Non-interest expense-Administrative and other (462.4 ) (1,110.7 ) (1,573.1 ) (839.9 ) (1,680.0 ) (2,519.9 ) (1,377.9 ) (1,023.0 ) (2,400.9 ) (38.5 ) Non-interest expense-Premises and equipment (17.0 ) (12.6 ) (29.6 ) (17.2 ) (11.7 ) (28.9 ) (20.4 ) (7.2 ) (27.6 ) (0.4 ) Other transactions with principal owners are as follows: During the years ended March 31, 2014 and March 31, 2015, the Bank purchased “AAA” rated home loans aggregating Rs. 55,560.7 million and Rs. 82,492.1 million, respectively. Dividends paid to HDFC Limited during the years ended March 31, 2014 and March 31, 2015 were Rs. 2,162.7 million and Rs. 2,693.5 million, respectively. The Bank also enters into foreign exchange and derivative transactions with HDFC Limited. The notional principal amount and the mark-to-market gains in respect of foreign exchange and derivative contracts outstanding as of March 31, 2015 was Rs. 1,000.0 million (previous year Rs. 2,500.0 million) and Rs. 18.0 million (previous year Rs. 70.8 million), respectively. During the year ended March 31, 2015, the Bank issued Guarantees on behalf of Principal owner and Others for Rs. 1.1 million (previous year Rs.1.1 million) and for Rs. 13.4 million (previous year Rs. 0.4 million), respectively

Earnings per equity share

Earnings per equity share	12 Months Ended
	Mar. 31, 2015
Earnings per equity share	29. Earnings per equity share A reconciliation of the equity shares used in the computation of basic and diluted earnings per equity share has been provided below. Potential equity shares in the nature of ESOPs with average outstanding balance of 34.9 million and 30.7 million were excluded from the calculation of diluted earnings per share for the years ended March 31, 2014 and March 31, 2015, respectively, as these were anti-dilutive. As of March 31, 2013 2014 2015 Weighted average number of equity shares used in computing basic earnings per equity share 2,360,974,835 2,390,295,703 2,423,777,245 Effect of potential equity shares for stock options outstanding 25,132,636 17,849,608 23,563,558 Weighted average number of equity shares used in computing diluted earnings per equity share 2,386,107,471 2,408,145,311 2,447,340,803 The following are reconciliations of basic and diluted earnings per equity share and earnings per ADS. Fiscal years ended March 31, 2013 2014 2015 2015 Basic earnings per share Rs. 26.18 Rs. 33.18 Rs. 40.94 US$ 0.66 Effect of potential equity shares for stock options outstanding 0.27 0.24 0.39 0.01 Diluted earnings per share Rs. 25.91 Rs. 32.94 Rs. 40.55 US$ 0.65 Basic earnings per ADS Rs. 78.54 Rs. 99.54 Rs. 122.82 US$ 1.98 Effect of potential equity shares for stock options outstanding 0.81 0.72 1.17 0.03 Diluted earnings per ADS Rs. 77.73 Rs. 98.82 Rs. 121.65 US$ 1.95 Dividends Any dividends declared by the Bank are based on the profit available for distribution as reported in the statutory financial statements of the Bank prepared in accordance with Indian GAAP. Additionally, the Banking Regulation Act and related regulations require the Bank to transfer 25% of its Indian GAAP profit after tax to a non-distributable statutory reserve and to meet certain other conditions in order to pay dividends without prior RBI approval. As per the RBI guidelines, the dividend payout (excluding dividend tax) for March 31, 2015 cannot exceed 35% of net income of Rs. 102,159.2 million as calculated under Indian GAAP. Accordingly, the net income reported in these financial statements may not be fully distributable in that year. Dividends declared for the years ended March 31, 2013, March 31, 2014 and March 31, 2015 were Rs. 5.50, Rs. 6.85 and Rs. 8.00 per equity share, respectively.

Investments in Subsidiaries_Aff

Investments in Subsidiaries/Affiliates	12 Months Ended
	Mar. 31, 2015
Subsidiaries
Investments in Subsidiaries/Affiliates	30. Subsidiaries HDB Financial Services Limited (“HDBFSL”) is a non-deposit taking non-bank finance company and a subsidiary of the Bank. As at March 31, 2015, the stake-holding of the Bank in HDBFSL was 97.4%. The financial statements of HDBFSL are consolidated. HDFC Securities Ltd. (“HSL”) offers trading facilities in a range of equity, fixed income and derivative products to its clients. As at March 31, 2015 the Bank holds a 97.9% effective equity interest. The financial statements of HSL are consolidated. Atlas Documentary Facilitators Company Private Ltd (“ADFC”) specializes in back-office processing. The Bank regularly transacts business with ADFC. As on March 31, 2015, HDFC Bank Ltd. and its subsidiaries effectively hold 59.0% of the equity interests of ADFC. Members of the Bank’s management team as well as other employees also hold a stake in the equity share capital. The financial statements of ADFC are consolidated. HBL Global Private Ltd (“HBL”) is a subsidiary of ADFC which holds 98.0% of its equity. HBL provides direct sales support for certain products of the Bank. The financial statements of HBL are consolidated.
Affiliates
Investments in Subsidiaries/Affiliates	31. Investments in Affiliates The Bank frequently partners with other HDFC group companies when making investments. The Bank currently has two strategic investments in which HDFC group companies are co-investors. Without the prior approval of the RBI, the Bank cannot hold more than a 30% equity stake in another company. The following is a list of investments in affiliates as at March 31, 2015: Company Type of Business HDFC Bank Ltd. and Subsidiaries Investment HDFC Bank Ltd. and Subsidiaries Ownership Total HDFC Group Ownership (in millions) Computer Age Management Services Private Limited (“CAMS”) Unit capital accounting and transfer agency services Rs. 9.8 12.1 % 23.2 % Softcell Technologies Limited (“Softcell”) Business-to-business software services Rs. 30.3 14.0 % 26.0 % International Asset Reconstruction Company Private Limited Business of securitization and asset reconstruction Rs. 311.7 29.4 % 29.4 % The holdings in the above-mentioned companies are accounted for under the equity method of accounting. The increase/ (decrease) in the carrying value in these companies was Rs. 27.5 million in fiscal March 31, 2015 (previous year Rs. 53.3 million). This is included under non-interest revenue—other, net.

Fair value measurement

Fair value measurement	12 Months Ended
	Mar. 31, 2015
Fair value measurement	32. Fair value measurement FASB Accounting Standards Codification “ASC” 820 (Topic 820) Fair Value Measures and Disclosures, defines fair value, establishes a framework for measuring fair value in US GAAP, and expands disclosures about fair value measurements. The valuation hierarchy is based upon the transparency of inputs to the valuation of an asset or liability as of the measurement date. The three levels are defined as follows: Level of input Definition Level 1 Unadjusted quoted market prices in active markets that are accessible at the measurement date for identical unrestricted assets or liabilities. Level 2 Quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument. Level 3 Inputs that are both significant to the fair value measurement and unobservable (i.e. supported with little or no market activity). The following is a description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy. These valuation methodologies were applied to all of the Bank’s financial assets and financial liabilities carried at fair value. For Level 1 instruments the valuation is based upon the unadjusted quoted prices of identical instruments traded in active markets. For Level 2 instruments, where such quoted market prices are not available, the valuation is based upon the quoted prices for similar instruments in active markets, the quoted prices for identical or similar instruments in markets that are not active, prices quoted by market participants and prices derived from standard valuation methodologies or internally developed models that primarily use, as inputs, such as interest rates, yield curves, volatilities and credit spreads, which are available from public sources such as Reuters, Bloomberg and the Fixed Income Money Markets and Derivatives Association of India. The valuation methodology primarily includes discounted cash flow techniques. Valuation adjustments may be made to ensure that financial instruments are recorded at fair value. These adjustments may include amounts to reflect counterparty credit quality and the Bank’s creditworthiness, among other things, as well as unobservable parameters. Any such valuation adjustments are applied consistently over time. The valuation of Level 3 instruments is based on valuation techniques or models which use significant market unobservable inputs or assumptions. The Bank uses its quantitative pricing models to determine the fair value of its derivative instruments. These models use multiple market inputs including interest rates, prices and indices to generate continuous yield or pricing curves and volatility factors to value the position that are observable directly or indirectly. Valuation adjustments may be made to ensure that financial instruments are recorded at fair value. These adjustments may include amounts to reflect counterparty credit quality and the Bank’s creditworthiness, among other things, as well as unobservable parameters. Any such valuation adjustments are applied consistently over time. Financial assets and financial liabilities measured at fair value on a recurring basis: Available for sale securities: Available for sale investments are principally comprised of debt securities and are carried at fair value. Such fair values were based on quoted market prices, if available. If quoted market prices did not exist, fair values were estimated using the market yield on the balance period to maturity on similar instruments and similar credit risks. The fair values of asset-backed and mortgage-backed securities is estimated based on revised estimated cash flows at each balance sheet date, discounted at current market pricing for transactions with similar risk. A reduction in the estimated cash flows of these instruments will adversely impact the value of these securities. A change in the timing of these estimated cash flows will also impact the value of these securities. Trading securities: Trading securities are carried at fair value based on quoted market prices or market observable inputs. Held to maturity securities: There were no HTM securities as of March 31, 2014 and March 31, 2015. The following table summarizes investments measured at fair value excluding investments carried at cost of Rs. 695.4 million on a recurring basis as of March 31, 2014, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value: Fair Value Measurements Using Particulars Total Quoted prices in active markets for identical assets (Level 1) Significant other observable inputs (Level 2) Significant unobservable inputs (Level 3) (In millions) Trading account securities Rs. 65,077.9 Rs. 25.9 Rs. 65,052.0 Rs. 0 Securities Available-for-Sale 908,128.9 341.1 907,787.8 0 Total Rs. 973,206.8 Rs. 367.0 Rs. 972,839.8 Rs. 0 The following table summarizes investments measured at fair value excluding investments carried at cost of Rs. 704.4 million (US$ 11.3 million) on a recurring basis as of March 31, 2015, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value: Fair Value Measurements Using Particulars Total Quoted prices in active markets for identical assets (Level 1) Significant other observable inputs (Level 2) Significant (In millions) Trading account securities Rs. 61,292.8 Rs. 0 Rs. 61,292.8 Rs. 0 Securities Available-for-Sale 1,503,708.4 105,008.8 1,382,450.2 16,249.4 Total Rs. 1,565,001.2 Rs. 105,008.8 Rs. 1,443,743.0 Rs. 16,249.4 Total US$ 25,116.5 US$ 1,685.4 US$ 23,170.3 US$ 260.8 There have been no transfers between level 1, 2 and 3 for the year ended March 31, 2014 and March 31, 2015. The following table summarizes, certain additional information about changes in the fair value of Level 3 assets pertaining to asset-backed securities for the year ended March 31, 2015: Particulars As of March 31, 2015 (in millions) Beginning balance at April 1, 2014 Rs. 0 Total gains or losses (realized/unrealized) -Included in earnings 0 -Included in other comprehensive income (315.0 ) Purchases/additions 16,564.4 Sales 0 Issuances 0 Settlements 0 Transfers in Level 3 0 Transfers out of Level 3 0 Foreign currency translation adjustment 0 Ending balance at March 31, 2015 Rs. 16,249.4 Total amount of gains or (losses) included in earnings attributable to change in unrealized gains or (losses) relating to assets still held at reporting date Rs 0 Derivatives: The Bank enters into forward exchange contracts, currency options, forward rate agreements, currency swaps and rupee interest rate swaps with inter-bank participants on its own account and for customers. These transactions enable customers to transfer, modify or reduce their foreign exchange and interest rate risks. Forward exchange contracts are commitments to buy or sell foreign currency at a future date at the contracted rate. Currency swaps are commitments to exchange cash flows by way of interest in one currency against another currency and exchange of principal amount at maturity based on predetermined rates. Rupee interest rate swaps are commitments to exchange fixed and floating rate cash flows in rupees. The Bank uses its pricing models to determine the fair value of its derivative instruments. These models use market inputs that are observable directly or indirectly. The following table summarizes derivative instruments measured at fair value on a recurring basis as of March 31, 2014, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value: Fair Value Measurements Using Particulars Total Quoted prices in active markets for identical assets (Level 1) Significant other observable inputs (Level 2) Significant unobservable inputs (Level 3) (In millions) Derivative assets Rs. 142,479.3 Rs. 0 Rs. 142,479.3 Rs. 0 Derivative liabilities Rs. 124,176.3 Rs. 0 Rs. 124,176.3 Rs. 0 The following table summarizes derivative instruments measured at fair value on a recurring basis as of March 31, 2015, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value: Fair Value Measurements Using Particulars Total Quoted prices in active markets for identical assets (Level 1) Significant other observable inputs (Level 2) Significant unobservable inputs (Level 3) (In millions) Derivative assets Rs. 72,415.7 Rs. 0 Rs. 72,415.7 Rs. 0 Derivative liabilities Rs. 71,767.5 Rs. 0 Rs. 71,767.5 Rs. 0

Subsequent events

Subsequent events	12 Months Ended
	Mar. 31, 2015
Subsequent events	33. Subsequent events In the meeting of Board of Directors of the Bank held on April 23, 2015, the Board recommended a dividend of Rs. 8.00 per share, which has been subsequently approved by the shareholders in their Annual General Meeting, held on July 21, 2015. The total amount of dividend of Rs. 24,016.9 million including tax on distributed profits was paid subsequent to July 21, 2015. The Bank has evaluated subsequent events from the balance sheet date through July 30, 2015 and determined that there are no other items to disclose.

Summary of significant accoun39

Summary of significant accounting policies (Policies)	12 Months Ended
	Mar. 31, 2015
Principles of consolidation	a. Principles of consolidation The consolidated financial statements include the accounts of HDFC Bank Limited and its subsidiaries. The Bank consolidates subsidiaries in which, directly or indirectly, it holds more than 50% of the voting rights or has control. Entities where the Bank holds 20% to 50% of the voting rights and/or has the ability to exercise significant influence are accounted for under the equity method. These investments are included in other assets and the Bank’s proportionate share of income or loss is included in Non-interest revenue, other. The Bank consolidates Variable Interest Entities (VIEs) where the Bank is determined to be the primary beneficiary under Financial Accounting Standard Board Accounting Standard Codification “FASB ASC” Topic 810 “Consolidations”. All significant inter-company accounts and transactions are eliminated on consolidation.
Basis of presentation	b. Basis of presentation These financial statements have been prepared in accordance with the accounting principles generally accepted in the United States of America (“US GAAP”). US GAAP differs in certain material respects from accounting principles generally accepted in India, the requirements of India’s Banking Regulation Act 1949 and related regulations issued by the Reserve Bank of India (“RBI”) (collectively “Indian GAAP”), which form the basis of the statutory general purpose financial statements of the Bank in India. Principal differences, insofar as they relate to the Bank, include: determination of the allowance for credit losses, classification and valuation of investments, accounting for deferred income taxes, stock-based compensation, employee benefits, loan origination fees, derivative financial instruments, business combination and the presentation format and disclosures of the financial statements and related notes.
Use of estimates	c. Use of estimates The preparation of financial statements in conformity with US GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities at the date of these financial statements and the reported amounts of revenues and expenses for the years presented. Actual results could differ from these estimates. Material estimates included in these financial statements that are susceptible to change include the allowance for credit losses, the valuation of unquoted investments, other than temporary impairment, valuation of derivatives, stock-based compensation, unrecognized tax benefits and impairment assessment of goodwill.
Cash and cash equivalents	d. Cash and cash equivalents The Bank considers all highly liquid financial instruments, which are readily convertible into cash and have original maturities of three months or less on the date of purchase, to be cash equivalents.
Customer acquisition costs	e. Customer acquisition costs Customer acquisition costs principally consist of commissions paid to third party referral agents who obtain retail loans and such costs are deferred and amortized as a yield adjustment over the life of the loans. Advertising and marketing expenses incurred to solicit new business are expensed as incurred.
Investments in securities	f. Investments in securities Investments consist of securities purchased as part of the Bank’s treasury operations, such as government securities and other debt and equity securities, and investments purchased as part of the Bank’s wholesale banking operations, such as credit substitute securities issued by the Bank’s wholesale banking customers. Credit substitute securities typically consist of commercial paper and short-term debentures issued by the same customers with whom the Bank has a lending relationship in its wholesale banking business. Investment decisions for credit substitute securities are subject to the same credit approval processes as for loans, and the Bank bears the same customer credit risk as it does for loans extended to those customers. Additionally, the yield and maturity terms are generally directly negotiated by the Bank with the issuer. As the Bank’s exposures to such securities are similar to its exposures on its loan portfolio, additional disclosures have been provided on impairment status in Note 8 and on concentrations of credit risk in Note 12. All other securities including mortgage and asset-backed securities are actively managed as part of the Bank’s treasury operations. The issuers of such securities are either government, public financial institutions or private issuers. These investments are typically purchased from the market, and debt securities are generally publicly rated. Securities that are held principally for resale in the near term are classified as held for trading (“HFT”) and are carried at fair value, with changes in fair value recorded in earnings. Debt securities that management has the positive intent and ability to hold to maturity are classified as held to maturity (“HTM”) and are carried at amortized cost. Equity securities with readily determinable fair values and all debt securities that are not classified as HTM or HFT are classified as available for sale (“AFS”) and are carried at fair value. Unrealized gains and losses on such securities, net of applicable taxes, are reported in accumulated other comprehensive income (loss), a separate component of shareholders’ equity. Fair values are based on market quotations where a market quotation is available or otherwise based on present values at current interest rates for such investments. Transfers between categories are recorded at fair value on the date of the transfer.
Impairment of securities	g. Impairment of securities Declines in the fair values of held to maturity and available for sale securities below their carrying value that are other than temporary are reflected in earnings as realized losses, based on management’s best estimate of the fair value of the investment. The Bank identifies other than temporary declines based on an evaluation of all significant factors, including the length of time and extent to which fair value is less than carrying value and the financial condition and economic prospects of the issuer. Estimates of any declines in the fair values of credit substitute securities that are other than temporary are measured on a case-by-case basis together with loans to those customers. The Bank does not recognize an impairment for debt securities if the cause of the decline is related solely to interest rate increase and the Bank does not intend to sell the security and it is not more likely than not that the Bank will be required to sell the security before recovery of its amortized cost basis.
Loans	h. Loans The Bank grants retail and wholesale loans to customers. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at their outstanding unpaid principal balances adjusted for an allowance for credit losses. Interest is accrued on the unpaid principal balance and is included in interest income and are classified as performing. Loans are generally placed on “non-accrual” status when interest or principal payments are past due for a specified period, at which time no further interest is accrued and overdue interest is written off against interest income. Interest income on loans placed on non-accrual status is recognized when received. Loans are returned to accrual status when all principal and interest amounts contractually due are brought current and future payments are reasonably assured. Loans are generally placed on “non-accrual” status when interest or principal payments are one quarter past due or considered impaired when, based on current information and events, it is probable that the Bank will be unable to collect scheduled payments of principal or interest when due according to the contractual terms of the loan agreement.
Allowance for credit losses	i. Allowance for credit losses The Bank provides an allowance for credit losses based on management’s best estimate of losses inherent in the loan portfolio which includes troubled debt restructuring. The allowance for credit losses consists of allowances for retail loans and wholesale loans. Retail The Bank’s retail loan loss allowance consists of specific and unallocated allowances. The Bank establishes a specific allowance on the retail loan portfolio based on factors such as the nature of the product, delinquency levels or the number of days the loan is past due and the nature of the security available. Additionally the Bank monitors loan to value ratios for loan against securities. The loans are charged off against allowances typically when the account becomes 150 to 1,083 days past due depending on the type of loan. The defined delinquency levels at which major loan types are charged off are 150 days past due for personal loans and credit card receivables, 180 days past due for auto loans, commercial vehicle and construction equipment finance, 720 days past due for housing loans and on a customer by customer basis in respect of retail business banking when management believes that any future cash flows from these loans are remote including realization of collateral, if applicable, and where any restructuring or any other settlement arrangements are not feasible. The Bank also records unallocated allowances for its retail loans by product type. The Bank’s retail loan portfolio is comprised of groups of large numbers of small value homogeneous loans. The Bank establishes an unallocated allowance for loans in each product group based on its estimate of the overall portfolio quality, asset growth, economic conditions and other risk factors. The Bank estimates its unallocated allowance for retail loans based on an internal credit slippage matrix, which measures the Bank’s historic losses for its standard loan portfolio. Subsequent recoveries, if any, against write-off cases, are adjusted to provision for credit losses in the consolidated statement of income. Wholesale The allowance for wholesale loans consists of specific and unallocated components. The allowance for such credit losses is evaluated on a regular basis by management and is based upon management’s view of the probability of recovery of loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, the estimated value of any underlying collateral, factors affecting the industry which the loan exposure relates to and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. Loans are charged off against the allowance when management believes that the loan balance cannot be recovered. Subsequent recoveries, if any, against write-off cases, are adjusted to provision for credit losses in the consolidated statement of income. The Bank grades its wholesale loan accounts considering both qualitative and quantitative criteria. Wholesale loans are considered impaired when, based on current information and events, it is probable that the Bank will be unable to collect scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, the financial condition of the borrower, the value of collateral held, and the probability of collecting scheduled principal and interest payments when due. The Bank establishes specific allowances for each impaired wholesale loan customer in the aggregate for all facilities, including term loans, cash credits, bills discounted and lease finance, based on either the present value of expected future cash flows discounted at the loan’s effective interest rate or the net realizable value of the collateral if the loan is collateral dependent. Wholesale loans that experience insignificant payment delays and payment shortfalls are generally not classified as impaired but are placed on a surveillance watch list and closely monitored for deterioration. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, market information, and the amount of the shortfall in relation to the principal and interest owed. The Bank has also established an unallocated allowance for wholesale standard loans based on the overall portfolio quality, asset growth, economic conditions and other risk factors. The Bank estimates its wholesale unallocated allowance based on an internal credit slippage matrix, which measures the Bank’s historic losses for its standard loan portfolio.
Sales/transfer of receivables	j. Sales/transfer of receivables The Bank enters into assignment transactions, which are similar to asset-backed securitization transactions through the SPE route, except that such portfolios of receivables are assigned directly to the purchaser and are not represented by pass-through certificates. The Bank also sells finance receivables to special purpose entities (SPEs), formerly qualifying special purpose entities (QSPEs) in securitization transactions. Recourse is in the form of the Bank’s investment in subordinated securities issued by these SPEs, cash collateral and other credit and liquidity enhancements. The receivables are derecognized in the balance sheet when they are sold and consideration has been received by the Bank. Sales and transfers that do not meet the criteria for surrender of control are accounted for as secured borrowings. Effective April 1, 2010, upon adoption of ASU 2009-16, the Bank first makes a determination as to whether the securitization entity would be consolidated. Second, it determines whether the transfer of financial assets is considered a sale. Furthermore, former qualifying special purpose entities (QSPEs) are now considered VIEs and are no longer exempt from consolidation. The Bank consolidates VIEs when it has both: (1) power to direct activities of the VIE that most significantly impact the entity’s economic performance and (2) an obligation to absorb losses or right to receive benefits from the entity that could potentially be significant to the VIE. Gains or losses from the sale of receivables are recognized in the income statement in the period the sale occurs based on the relative fair value of the portion sold and the portion allocated to retained interests, and are reported net of the estimated cost of servicing by the Bank. Fair values are determined based on the present value of expected future cash flows, using best estimates for key assumptions, such as prepayment and discount rates, commensurate with the risk involved.
Property and equipment	k. Property and equipment Property and equipment are stated at cost, less accumulated depreciation. Depreciation is provided over the estimated useful lives of fixed assets on a straight-line basis at the following rates: Type of Asset Rate of depreciation Premises 1.63% Software and systems 20.00% Equipment and furniture 10.00%-33.33% For assets purchased and sold during the year, depreciation is provided on a pro rata basis by the Bank and capital advances are included in other assets.
Impairment or disposal of tangible long-lived assets	l. Impairment or disposal of tangible long-lived assets Whenever events or circumstances indicate that the carrying amount of tangible long lived assets may not be recoverable, the Bank subjects such long lived assets to a test of recoverability based on the undiscounted cash flows from use or disposition of the asset. Such events or circumstances would include changes in the market, technology obsolescence, adverse changes in profitability or regulation. If the asset is impaired, the Bank recognizes an impairment loss estimated as the difference between the carrying value and the net realizable value.
Income tax	m. Income tax Income tax expense/benefit consists of the current tax expenses and the net change in the deferred tax asset or liability in the year. Deferred tax assets and liabilities are recognized for the future tax consequences of temporary differences between the carrying values of assets and liabilities and their respective tax bases, and operating loss and tax credit carry forwards. Deferred tax assets are reduced by a valuation allowance subject to management’s judgment to the amount that is more likely than not to be realised. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which the temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in the income statement in the period of enactment of the change. Income tax benefits are recognized and measured based upon a two-step model: 1) a tax position must be more-likely-than-not to be sustained based solely on its technical merits in order to be recognized, and 2) the benefit is measured as the largest amount of that position that is more-likely-than-not to be sustained upon settlement. The difference between the benefit recognized for a position in accordance with this model and the tax benefit claimed on a tax return is referred to as an unrecognized tax benefit. The Bank’s policy is to include interest income, interest expense and penalties on overpayments and underpayment of income taxes within income tax expense in the consolidated statement of income. Interest income on overpayments of income taxes is recognized when the related matter is resolved. The Bank accounts for dividend distribution tax in equity in the year in which a dividend is declared.
Revenue recognition	n. Revenue recognition Interest income from loans and from investments is recognized on an accrual basis using effective interest method when earned except in respect of loans or investments placed on non-accrual status, where it is recognized when received. Nominal loan application fees are charged which offset the related costs incurred. Fees and commissions from guarantees issued are amortized over the contractual period of the commitment, provided the amounts are collectible. Dividends from investments are recognized when declared. Realized gains and losses on sale of securities are recorded on the trade date and are determined using the weighted average cost method. Other fees and income are recognized when earned, which is when the service that results in the income has been provided. The Bank amortizes annual fees on credit cards over the contractual period of the fees.
Foreign currency transactions	o. Foreign currency transactions The Bank’s functional currency is the Indian Rupee, except for the Bank’s foreign branches. Foreign currency transactions are recorded at the exchange rate prevailing on the date of the transaction. Foreign currency denominated monetary assets and liabilities are converted into respective functional currency using exchange rates prevailing on the balance sheet dates. Gains and losses arising on conversion of foreign currency denominated monetary assets and liabilities and on foreign currency transactions are included in the determination of net income. For the foreign branches, the assets, liabilities and operations are translated, for consolidation purposes, from functional currency of the foreign branch to the Indian Rupee reporting currency at period-end rates for assets and liabilities and at average rates for operations. The resulting unrealized gains or losses are reported as a component of accumulated other comprehensive income (OCI).
Stock-based compensation	p. Stock-based compensation The fair value of stock-based compensation is estimated on the date of each grant based on a pricing model. For further information, see note 22.
Debt issuance costs	q. Debt issuance costs Issuance costs of long-term debt are amortized over the tenure of the debt.
Earnings per share	r. Earnings per share Basic earnings per equity share have been computed by dividing net income by the weighted average number of equity shares outstanding for the period. Diluted earnings per equity share has been computed using the weighted average number of equity shares and dilutive potential equity shares outstanding during the period, using the treasury stock method, except where the result would be anti-dilutive. The Bank also reports basic and diluted earnings per ADS, where each ADS represents three equity shares. Earnings per ADS have been computed as earnings per equity share multiplied by the number of equity shares per ADS. A reconciliation of the number of shares used in computing earnings per share has been provided in Note 29.
Segment information	s. Segment information The Bank operates in three reportable segments, namely retail banking, wholesale banking and treasury services. Segment-wise information has been provided in Note 26.
Derivative financial instruments	t. Derivative financial instruments The Bank recognizes all derivative instruments, including certain derivative instruments embedded in other contracts, as assets or liabilities in the balance sheet and measures them at fair value. The Bank has not designated any derivatives as hedges. As such, all changes in fair value of derivative instruments are recognized in net income in the period of change. The Bank enters into forward exchange contracts, currency swaps and currency options with its customers and typically transfers such customer exposures in the inter-bank foreign exchange markets. The Bank also enters into such instruments to cover its own foreign exchange exposures. All such instruments are carried at fair value, determined based on market quotations or market-based inputs. The Bank enters into interest rate swaps for its own account. The Bank also enters into interest rate currency swaps and cross currency interest rate swaps with its customers and typically transfers these off in the inter-bank market. Such contracts are carried on the balance sheet at fair value, or priced using market determined yield curves.
Business combination	u. Business combination The Bank accounts for acquired businesses using the purchase method of accounting which requires that the assets acquired and liabilities assumed be recorded at the date of acquisition at their respective fair values. The application of the purchase method requires certain estimates and assumptions, especially concerning the determination of the fair values of the acquired intangible and tangible assets, as well as the liabilities assumed at the date of the acquisition. The judgments made in the context of the purchase price allocation can materially impact the Bank’s future results of operations. The valuations are based on information available at the acquisition date. Purchase consideration in excess of bank’s interest and the acquiree’s net fair value of identifiable assets and liabilities is recognized as goodwill.
Goodwill and other intangibles	v. Goodwill and other intangibles Goodwill is tested for impairment in accordance with FASB ASC 350-20 ‘Goodwill’. Under applicable accounting guidance, goodwill is reviewed at the reporting unit level for potential impairment at least on an annual basis at the end of the reporting period, or more frequently if events or circumstances indicate a potential impairment. This analysis is a two-step process. The first step of the goodwill impairment test compares the fair value of the reporting unit with its carrying amount, including goodwill. If the fair value of the reporting unit exceeds its carrying amount, then the goodwill of the reporting unit is considered not impaired; however, if the carrying amount of the reporting unit exceeds its fair value, the second step must be performed. The second step involves calculating an implied fair value of goodwill for each reporting unit for which the first step indicated possible impairment. The implied fair value of goodwill is determined in the same manner as the amount of goodwill recognized in a business combination, which is the excess of the fair value of the reporting unit, as determined in the first step, over the aggregate fair values of the individual assets, liabilities and identifiable intangibles as if the reporting unit was being acquired in a business combination. The adjustments to measure the assets, liabilities and intangibles at fair value are for the purpose of measuring the implied fair value of goodwill and such adjustments are not reflected in the consolidated balance sheet. If the implied fair value of goodwill exceeds the goodwill assigned to the reporting unit, there is no impairment. If the goodwill assigned to a reporting unit exceeds the implied fair value of the goodwill, an impairment charge is recorded for the excess. An impairment loss recognized cannot exceed the amount of goodwill assigned to a reporting unit, and the loss establishes a new basis in the goodwill. Subsequent reversal of goodwill impairment losses is not permitted. Intangible assets consist of branch network representing contractual and non-contractual customer relationships, customer list, core deposit intangible and favorable leases. These are amortized over their estimated useful lives. Amortization of intangible assets is computed in a manner that best reflects the economic benefits of the intangible assets as follows: Useful lives Amortization Branch network 6 Straight-line Customer lists 2 Straight-line Core deposit 5 Straight-line Favorable leases 1 to 15 Straight-line
Recently adopted accounting standards	w. Recently adopted accounting standards In July 2013, the FASB issued ASU No. 2013-11, “Income Taxes (Topic 740): Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists” (“ASU 2013-11”). As per the amendment, an unrecognized tax benefit should be presented as a reduction of a deferred tax asset for a net operating loss (NOL) or other tax credit carry forward when settlement in this manner is available under the tax law. The assessment of whether settlement is available under the tax law would not consider future events (e.g., upcoming expiration of related NOL carry forwards). This classification should not affect an entity’s analysis of the realization of its deferred tax assets. Gross presentation in the rollforward of unrecognized tax positions in the notes to the financial statements would still be required. ASU 2013-11 is effective for interim and annual periods beginning on or after December 15, 2013. The adoption of this guidance effective April 1, 2014 did not have a material impact on the Bank’s consolidated financial position or results of operations.
Recently issued accounting pronouncements not yet effective	x. Recently issued accounting pronouncements not yet effective In May 2014, the FASB issued ASU No. 2014-09, “Revenue from Contracts with Customers (Topic 606)”. This update clarifies the principles for revenue recognition in transactions involving contracts with customers. The guidance will be effective for the interim and annual reporting periods beginning after December 15, 2016 and early adoption is not permitted. The Bank has not yet evaluated what impact, if any, the adoption of this guidance may have on the Bank’s financial condition, results of operations, or disclosures. In June 2014, the FASB issued ASU No. 2014-11, “Transfers and Servicing (Topic 860)”. The amendments in this update change the current accounting outcome by requiring repurchase-to-maturity transactions to be accounted for as secured borrowings and for repurchase financing arrangement the amendments require separate accounting for a transfer of the financial asset executed contemporaneously with a repurchase agreement with same counterparty. The amendments also require new disclosures. The guidance will be effective for the interim and annual reporting periods beginning after December 15, 2014 and early adoption is not permitted. The Bank has not yet evaluated what impact, if any, the adoption of this guidance may have on the Bank’s financial condition, results of operations, or disclosures. In August 2014, the FASB also issued ASU 2014-15, Disclosure of Uncertainties about an Entity’s Ability to Continue as a Going Concern. This ASU requires management to perform an assessment of going concern and provides specific guidance on when and how to assess or disclose going concern uncertainties. The new standard also defines terms used in the evaluation of going concern, such as “substantial doubt.” Following application, the Bank will be required to perform assessments at each annual and interim period, provide an assessment period of one year from the issuance date, and make disclosures in certain circumstances in which substantial doubt is identified. The amendment will be effective for the Bank for the first reporting period ending after December 15, 2016. Earlier application is permitted. The Bank does not expect this ASU to have an impact on its financial position, result of operations, or disclosures. In January 2015, FASB issued ASU 2015-01 - Income Statement -Extraordinary and Unusual Items (Subtopic 225-20). The Update removes the concept of extraordinary items from GAAP and eliminates the requirement for extraordinary items to be separately presented in the statement of income. The guidance will be effective for the interim and annual reporting periods beginning after December 15, 2015 and early adoption is permitted. The Update will not have a material impact on the Bank’s consolidated financial statements. In February 2015, FASB issued ASU 2015-02 - Consolidation (Topic 810). The Update primarily amends the criteria companies use to evaluate whether they should consolidate certain variable interest entities that have fee arrangements and the criteria used to determine whether partnerships and similar entities are variable interest entities. The Update also excludes certain money market funds from the consolidation guidance. The guidance will be effective for the interim and annual reporting periods beginning after December 15, 2015 and early adoption is permitted. The Bank has not yet evaluated what impact, if any, the adoption of this guidance may have on the Bank’s financial condition, results of operations, or disclosures. In April 2015, FASB issued ASU 2015-03 - Interest - Imputation of Interest (Subtopic 835-30). The Update changes the balance sheet presentation for debt issuance costs. Under the new guidance, debt issuance costs should be reported as a deduction from debt liabilities rather than as a deferred charge classified as an asset. . The guidance will be effective for the interim and annual reporting periods beginning after December 15, 2015 and early adoption is permitted. The Bank has not yet evaluated what impact, if any, the adoption of this guidance may have on the Bank’s financial condition, results of operations, or disclosures. In May 2015, FASB issued ASU 2015-07 - Fair Value Measurement (Topic 820). The Update eliminates the disclosure requirement to categorize investments within the fair value hierarchy that are measured at fair value using net asset value as a practical expedient. The guidance will be effective for the interim and annual reporting periods beginning after December 15, 2015 and early adoption is permitted. The Update will not affect the Bank’s consolidated financial statements as it impacts only the fair value disclosure requirements for certain investments.
Convenience translation	y. Convenience translation The accompanying financial statements have been expressed in Indian Rupees (“Rs.”), the Bank’s functional currency. For the convenience of the reader, the financial statements as of and for the year ended March 31, 2015 have been translated into U.S. dollars at U.S.$1.00 = Rs. 62.31 as published by the Federal Reserve Board of New York on March 31, 2015. Such translation should not be construed as a representation that the rupee amounts have been or could be converted into United States dollars at that or any other rate, or at all.

Summary of significant accoun40

Summary of significant accounting policies (Tables)	12 Months Ended
	Mar. 31, 2015
Schedule of Composite depreciation rate	Depreciation is provided over the estimated useful lives of fixed assets on a straight-line basis at the following rates: Type of Asset Rate of depreciation Premises 1.63% Software and systems 20.00% Equipment and furniture 10.00%-33.33%
Schedule of Intangible Assets Amortization Computation Factors	Amortization of intangible assets is computed in a manner that best reflects the economic benefits of the intangible assets as follows: Useful lives Amortization Branch network 6 Straight-line Customer lists 2 Straight-line Core deposit 5 Straight-line Favorable leases 1 to 15 Straight-line

Investments (Tables)

Investments (Tables)	12 Months Ended
	Mar. 31, 2015
Held for Trading
Portfolio of Trading Securities or Held for Trading Securities Amortized Cost Fair Value	The portfolio of trading securities as of March 31, 2014 and March 31, 2015 was as follows: As of March 31, 2014 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In millions) Government of India securities Rs. 56,409.0 Rs. 3.5 Rs. 191.1 Rs. 56,221.4 Other corporate/financial institution securities 8,874.2 11.7 55.2 8,830.7 Total debt securities Rs. 65,283.2 Rs. 15.2 Rs. 246.3 Rs. 65,052.1 Equity securities 25.2 0.7 0.1 25.8 Total Rs. 65,308.4 Rs. 15.9 Rs. 246.4 Rs. 65,077.9 As of March 31, 2015 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In millions) Government of India securities Rs. 60,239.5 Rs. 53.5 Rs. 0.2 Rs. 60,292.8 Other corporate/financial institution securities 1,000.0 0 0 1,000.0 Total debt securities Rs. 61,239.5 Rs. 53.5 Rs. 0.2 Rs. 61,292.8 Equity securities 0 0 0 0 Total Rs. 61,239.5 Rs. 53.5 Rs. 0.2 Rs. 61,292.8 Total US$ 982.8 US$ 0.9 US$ 0 US$ 983.7
Available-for-Sale Securities
Available for Sale Securities Amortized Cost and Fair Value	The portfolio of available for sale securities as of March 31, 2014 and March 31, 2015 was as follows: As of March 31, 2014 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In millions) Government of India securities Rs. 839,248.3 Rs. 919.1 Rs. 19,762.5 Rs. 820,404.9 State government securities 161.8 0 0.9 160.9 Credit substitutes (see note 8) 65,001.6 177.0 31.5 65,147.1 Other corporate/financial institution bonds 4,979.2 61.8 1.3 5,039.7 Certificate of Deposit 921.3 6.0 0 927.3 Debt securities, other than asset and mortgage-backed securities 910,312.2 1,163.9 19,796.2 891,679.9 Mortgage-backed securities 1,743.2 91.5 0.3 1,834.4 Asset-backed securities 14,442.1 211.2 409.9 14,243.4 Other securities (including mutual fund units) 787.4 283.2 4.0 1,066.6 Total Rs. 927,284.9 Rs. 1,749.8 Rs. 20,210.4 Rs .908,824.3 Securities with gross unrealized losses Rs. 699,169.1 Securities with gross unrealized gains 209,655.2 Rs. 908,824.3 As of March 31, 2015 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In millions) Government of India securities Rs. 1,151,520.7 Rs. 13,843.3 Rs. 1,242.7 Rs. 1,164,121.3 State government securities 54,134.6 2,074.4 0 56,209.0 Credit substitutes (see note 8) 194,992.4 243.9 177.4 195,058.9 Other corporate/financial institution bonds 6,555.1 83.3 1.5 6,636.9 Certificate of Deposit 56,300.2 85.4 0 56,385.6 Debt securities, other than asset and mortgage-backed securities 1,463,503.0 16,330.3 1,421.6 1,478,411.7 Mortgage-backed securities 1,282.0 50.1 0 1,332.1 Asset-backed securities 23,512.3 223.2 452.2 23,283.3 Other securities (including mutual fund units) 788.1 597.9 0.3 1,385.7 Total Rs. 1,489,085.4 Rs. 17,201.5 Rs. 1,874.1 Rs. 1,504,412.8 Total US$ 23,898.1 US$ 276.1 US$ 30.1 US$ 24,144.1 Securities with gross unrealized losses Rs. 469,004.0 Securities with gross unrealized gains 1,035,408.8 Rs. 1,504,412.8 US$ 24,144.1
Unrealized loss position investments	The gross unrealized losses and fair value of available for sale securities at March 31, 2014 was as follows: As of March 31, 2014 Less Than 12 Months 12 Months or Greater Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (In millions) Government of India securities Rs. 363,301.9 Rs. 11,340.9 Rs. 303,851.6 Rs. 8,421.6 Rs. 667,153.5 Rs. 19,762.5 State government securities 123.8 0.7 37.1 0.2 160.9 0.9 Credit substitutes (see note 8) 18,666.2 31.3 266.4 0.2 18,932.6 31.5 Other corporate/financial institution bonds 310.1 1.2 9.7 0.1 319.8 1.3 Debt securities, other than asset and mortgage-backed securities 382,402.0 11,374.1 304,164.8 8,422.1 686,566.8 19,796.2 Mortgage-backed securities 133.0 0.3 0 0 133.0 0.3 Asset-backed securities 12,468.3 409.9 0 0 12,468.3 409.9 Equity securities 1.0 4.0 0 0 1.0 4.0 Total Rs. 395,004.3 Rs. 11,788.3 Rs. 304,164.8 Rs. 8,422.1 Rs. 699,169.1 Rs. 20,210.4 The gross unrealized losses and fair value of available for sale securities at March 31, 2015 was as follows: As of March 31, 2015 Less Than 12 Months 12 Months or Greater Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (In millions) Government of India securities Rs. 10,602.4 Rs. 37.9 Rs. 277,465.1 Rs. 1,204.8 Rs. 288,067.5 Rs. 1,242.7 State government securities 0 0 7.5 0 7.5 0 Credit substitutes (see note 8) 158,859.4 177.4 0 0 158,859.4 177.4 Other corporate/financial institution bonds 1,339.6 1.5 0 0 1,339.6 1.5 Debt securities, other than asset and mortgage-backed securities 170,801.4 216.8 277,472.6 1,204.8 448,274.0 1,421.6 Mortgage-backed securities 0 0 0 0 0 0 Asset-backed securities 20,727.1 452.2 0 0 20,727.1 452.2 Equity securities 2.9 0.3 0 0 2.9 0.3 Total Rs. 191,531.4 Rs. 669.3 Rs. 277,472.6 Rs. 1,204.8 Rs. 469,004.0 Rs. 1,874.1 Total US$ 3,073.8 US$ 10.8 US$ 4,453.1 US$ 19.3 US$ 7,526.9 US$ 30.1
Realized Investment Gains Losses Net	Gross realized gains and gross realized losses from sale of available for sale securities and dividends and interest on such securities are set out below: Fiscal year ended March 31, 2013 2014 2015 2015 (In millions) Gross realized gains on sale Rs. 2,263.6 Rs. 2,378.8 Rs. 5,484.3 US$ 88.0 Gross realized losses on sale (35.8 ) (623.1 ) (316.4 ) (5.1 ) Realized gains (losses), net 2,227.8 1,755.7 5,167.9 82.9 Dividends and interest 66,554.2 77,497.1 94,129.1 1,510.7 Total Rs. 68,782.0 Rs. 79,252.8 Rs. 99,297.0 US$ 1,593.6
Available-for-Sale Securities | Debt securities, other than asset and mortgage-backed securities
Investments Classified by Contractual Maturity Date	The contractual residual maturity of available for sale debt securities other than asset and mortgage-backed securities as of March 31, 2015 is set out below: As of March 31, 2015 Amortized Cost Fair Value Fair Value (In millions) Within one year Rs. 692,782.4 Rs. 692,821.7 US$ 11,118.9 Over one year through five years 301,137.0 302,306.0 4,851.6 Over five years through ten years 367,990.7 375,802.6 6,031.2 Over ten years 101,592.9 107,481.4 1,724.9 Total Rs. 1,463,503.0 Rs. 1,478,411.7 US$ 23,726.6
Available-for-Sale Securities | Asset and Mortgage Backed Securities
Investments Classified by Contractual Maturity Date	The contractual residual maturity of available for sale mortgage-backed and asset-backed securities as of March 31, 2015 is set out below: As of March 31, 2015 Amortized Cost Fair Value Fair Value (In millions) Within one year Rs. 12,963.8 Rs. 12,771.8 US$ 205.0 Over one year through five years 11,007.0 10,797.6 173.3 Over five years through ten years 319.1 324.5 5.2 Over ten years 504.4 721.5 11.6 Total Rs. 24,794.3 Rs. 24,615.4 US$ 395.1

Credit substitutes (Tables)

Credit substitutes (Tables)	12 Months Ended
	Mar. 31, 2015
Fair value of credit substitute by type of instruments	The fair values of credit substitutes by type of instrument as of March 31, 2014 and March 31, 2015 were as follows: As of March 31, 2014 2015 Amortized Cost Fair Value Amortized Cost Fair Value (In millions) Available for sale credit substitute securities: Debentures Rs. 23,024.0 Rs. 23,115.5 Rs. 14,631.2 Rs. 14,860.3 Commercial paper 41,977.6 42,031.6 180,361.2 180,198.6 Total Rs. 65,001.6 Rs. 65,147.1 Rs. 194,992.4 Rs. 195,058.9 US$ 3,129.4 US$ 3,130.5
Credit substitutes by credit quality indicators	The fair values of credit substitutes by credit quality indicators and amounts provided for other than temporary impairments is as follows: As of March 31, 2014 2015 2015 (In millions) Pass Rs. 55,867.2 Rs. 195,058.9 US$ 3,130.5 Impaired—gross balance 9,944.5 0 0 Less: amounts provided for other than temporary impairments 664.6 0 0 Impaired credit substitutes, net 9,279.9 0 0 Total credit substitutes, net Rs 65,147.1 Rs 195,058.9 US$ 3,130.5
Impaired credit substitutes	Impaired credit substitutes As of March 31, 2014 2015 2015 (In millions) Gross impaired credit substitutes: — on accrual status Rs. 9,944.5 Rs. 0 US$ 0 — on non-accrual status 0 0 0 Total Rs. 9,944.5 Rs. 0 US$ 0 Gross impaired credit substitutes by industry: — Construction and Developers (Infrastructure) Rs. 9,944.5 Rs. 0 US$ 0 — Others 0 0 0 Total Rs. 9,944.5 Rs. 0 US$ 0 Average impaired credit substitutes Rs. 5,222.3 Rs. 4,972.3 US$ 79.8 Interest income recognized on impaired credit substitutes Rs. 672.6 Rs. 0 US$ 0

Loans (Tables)

Loans (Tables)	12 Months Ended
	Mar. 31, 2015
Loans by Facility	Loans by facility as of March 31, 2014 and March 31, 2015 were as follows: As of March 31, 2014 2015 2015 (In millions) Retail loans: Auto loans Rs. 407,811.6 Rs. 486,251.7 US$ 7,803.8 Personal loans/Credit cards 347,393.8 449,381.7 7,212.0 Retail business banking 519,472.2 660,456.7 10,599.5 Commercial vehicle and construction equipment finance 280,372.2 305,995.4 4,910.9 Housing loans 193,180.5 241,368.8 3,873.7 Other retail loans 440,107.4 577,534.2 9,268.6 Subtotal Rs. 2,188,337.7 Rs. 2,720,988.5 US$ 43,668.5 Wholesale loans Rs. 1,039,923.6 Rs. 1,222,460.6 US$ 19,619.0 Gross loans 3,228,261.3 3,943,449.1 63,287.5 Less: Allowance for credit losses 42,613.2 47,334.1 759.6 Total Rs. 3,185,648.1 Rs. 3,896,115.0 US$ 62,527.9
Financing Receivable, by Contractual Residual Maturity	The contractual residual maturity of gross loans as of March 31, 2015 is set out below: As of March 31, 2015 Wholesale loans Retail loans Total (In millions) Maturity profile of loans: Within one year Rs. 680,287.1 Rs. 789,973.4 Rs. 1,470,260.5 Over one year through five years 442,874.1 1,681,275.6 2,124,149.7 Over five years 99,299.4 249,739.5 349,038.9 Total gross loans Rs. 1,222,460.6 Rs. 2,720,988.5 Rs. 3,943,449.1 Total gross loans US$ 19,619.0 US$ 43,668.5 US$ 63,287.5
Financing Receivable Credit Quality Indicators	Gross loans analyzed by performance are as follows: As of March 31, 2014 March 31, 2015 March 31, 2015 (In millions) Performing Rs. 3,198,574.8 Rs. 3,904,124.3 US$ 62,656.4 Impaired 29,686.5 39,324.8 631.1 Total gross loans Rs. 3,228,261.3 Rs. 3,943,449.1 US$ 63,287.5
Past Due Financing Receivables	The following table provides details of age analysis of loans as of March 31, 2014 and March 31, 2015. As of March 31, 2014 31-90 days past Impaired / 91 days or more past due Total current or less than 31 days past due Total (in millions) Retail Loans Auto loans Rs. 2,326.2 Rs. 1,845.2 Rs. 403,640.2 Rs. 407,811.6 Personal loans/Credit card 1,940.5 1,984.4 343,468.9 347,393.8 Retail business banking 3,815.1 7,104.6 508,552.5 519,472.2 Commercial vehicle and construction equipment finance 7,500.8 6,207.8 266,663.6 280,372.2 Housing loans 83.2 205.8 192,891.5 193,180.5 Other retail 3,947.7 3,580.5 432,579.2 440,107.4 Wholesale loans 1,452.2 8,758.2 1,029,713.2 1,039,923.6 Total Rs. 21,065.7 Rs. 29,686.5 Rs. 3,177,509.1 Rs. 3,228,261.3 As of March 31, 2015 31-90 days past Impaired / 91 days or more past due Total current or less than 31 days past due Total (in millions) Retail Loans Auto loans Rs. 2,448.7 Rs. 2,718.7 Rs. 481,084.3 Rs. 486,251.7 Personal loans/Credit card 2,361.1 2,648.4 444,372.2 449,381.7 Retail business banking 5,262.5 10,012.5 645,181.7 660,456.7 Commercial vehicle and construction equipment finance 5,389.7 5,559.4 295,046.3 305,995.4 Housing loans 68.7 242.7 241,057.4 241,368.8 Other retail 5,184.2 4,653.5 567,696.5 577,534.2 Wholesale loans 1,244.7 13,489.6 1,207,726.3 1,222,460.6 Total Rs. 21,959.6 Rs. 39,324.8 Rs. 3,882,164.7 Rs. 3,943,449.1 Total US$ 352.4 US$ 631.1 US$ 62,304.0 US$ 63,287.5
Impaired Financing Receivables	The following table provides details of impaired loans as of March 31, 2014 and March 31, 2015 As of March 31, 2014 Recorded Unpaid principal balance Related specific allowance Average recorded investments Finance receivable on non-accrual status (In millions) Retail Loans Auto loans Rs. 1,845.2 Rs. 1,845.2 Rs. 796.1 Rs. 1,542.0 Rs. 1,845.2 Personal loans/ Credit card 1,984.4 1,984.4 1,267.3 1,767.5 1,984.4 Retail business banking 7,104.6 7,104.6 5,598.1 6,447.4 6,978.2 Commercial vehicle and construction equipment finance 6,207.8 6,207.8 3,472.9 4,932.9 6,207.8 Housing loans 205.8 205.8 116.7 236.9 205.8 Other retail 3,580.5 3,580.5 2,082.0 2,827.2 3,580.5 Wholesale loans 8,758.2 8,758.2 7,316.1 7,655.6 8,612.8 Total Rs. 29,686.5 Rs. 29,686.5 Rs. 20,649.2 Rs. 25,409.5 Rs. 29,414.7 The Bank holds no recorded impaired loans for which there is no related allowance. As of March 31, 2015 Recorded Unpaid principal balance Related specific allowance Average recorded investments Finance receivable on non-accrual status (In millions) Retail Loans Auto loans Rs. 2,718.7 Rs. 2,718.7 Rs. 1,226.0 Rs. 2,282.0 Rs. 2,718.7 Personal loans/ Credit card 2,648.4 2,648.4 1,634.0 2,316.4 2,648.4 Retail business banking 10,012.5 10,012.5 7,105.6 8,558.6 9,723.4 Commercial vehicle and construction equipment finance 5,559.4 5,559.4 3,630.6 5,883.6 5,559.4 Housing loans 242.7 242.7 127.4 224.3 242.7 Other retail 4,653.5 4,653.5 2,901.6 4,117.0 4,653.5 Wholesale loans 13,489.6 13,489.6 8,083.8 11,123.9 11,347.5 Total Rs. 39,324.8 Rs. 39,324.8 Rs. 24,709.0 Rs. 34,505.8 Rs. 36,893.6 Total US$ 631.1 US$ 631.1 US$ 396.5 US$ 553.8 US$ 592.1
Allowance for Credit Losses on Financing Receivables	Allowance for credit losses as of March 31, 2014 are as follows: As of March 31, 2014 Specific Unallocated Retail Auto loans Personal Loans/ Credit card Retail Commercial Housing Other retail Wholesale Retail Wholesale Total (In millions) Allowance for credit losses, beginning of the period Rs. 556.7 Rs. 1,067.1 Rs. 5,058.2 Rs. 2,094.4 Rs. 185.0 Rs. 1,751.0 Rs. 5,754.5 Rs. 14,731.6 Rs. 2,495.7 Rs. 33,694.2 Write-offs (2,150.4 ) (5,748.9 ) (93.7 ) (5,014.1 ) (21.3 ) (1,166.2 ) (714.5 ) (14,909.1 ) Net allowance for credit losses* 2,389.8 5,949.1 633.6 6,392.6 (47.0 ) 1,497.2 2,276.1 4,493.9 242.8 23,828.1 Allowance for credit losses, end of the period Rs. 796.1 Rs. 1,267.3 Rs. 5,598.1 Rs. 3,472.9 Rs. 116.7 Rs. 2,082.0 Rs. 7,316.1 Rs. 19,225.5 Rs. 2,738.5 Rs. 42,613.2 Allowance for credit losses: Allowance individually evaluated for impairment Rs. 0 Rs. 0 Rs. 0 Rs. 0 Rs. 0 Rs. 0 Rs. 7,316.1 Rs. 0 Rs. 0 Rs. 7,316.1 Allowance collectively evaluated for impairment 796.1 1,267.3 5,598.1 3,472.9 116.7 2,082.0 0 19,225.5 2,738.5 35,297.1 Loans: Loans individually evaluated for impairment 0 0 0 0 0 0 8,758.2 0 0 8,758.2 Loans collectively evaluated for impairment 1,845.2 1,984.4 7,104.6 6,207.8 205.8 3,580.5 0 2,167,409.4 1,031,165.4 3,219,503.1 * Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 6,400.0 million. Allowance for credit losses as of March 31, 2015 are as follows: As of March 31, 2015 Specific Unallocated Retail Auto loans Personal Loans/ Credit card Retail Commercial Housing Other Wholesale Retail Wholesale Total Total (In millions) Allowance for credit losses, beginning of the period Rs. 796.1 Rs. 1,267.3 Rs. 5,598.1 Rs. 3,472.9 Rs. 116.7 Rs. 2,082.0 Rs. 7,316.1 Rs. 19,225.5 Rs. 2,738.5 Rs. 42,613.2 US$ 683.9 Write-offs (2,858.9 ) (7,418.1 ) (380.8 ) (4,327.8 ) (9.2 ) (1,328.8 ) (3,480.4 ) (19,804.0 ) (317.8 ) Net allowance for credit losses* 3,288.8 7,784.8 1,888.3 4,485.5 19.9 2,148.4 4,248.1 151.2 509.9 24,524.9 393.5 Allowance for credit losses, end of the period Rs. 1,226.0 Rs. 1,634.0 Rs. 7,105.6 Rs. 3,630.6 Rs. 127.4 Rs. 2,901.6 Rs. 8,083.8 Rs. 19,376.7 Rs. 3,248.4 Rs. 47,334.1 US$ 759.6 Allowance for credit losses: Allowance individually evaluated for impairment Rs. 0 Rs. 0 Rs. 0 Rs. 0 Rs. 0 Rs. 0 Rs. 8,083.8 Rs. 0 Rs. 0 Rs. 8,083.8 US$ 129.7 Allowance collectively evaluated for impairment 1,226.0 1,634.0 7,105.6 3,630.6 127.4 2,901.6 0 19,376.7 3,248.4 39,250.3 629.9 Loans: Loans individually evaluated for impairment 0 0 0 0 0 0 13,489.6 0 0 13,489.6 216.5 Loans collectively evaluated for impairment 2,718.7 2,648.4 10,012.5 5,559.4 242.7 4,653.5 0 2,695,153.3 1,208,971.0 3,929,959.5 63,071.0 * Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 7,524.7 million.
Troubled Debt Restructurings Modifications	The following table summarizes the Bank’s TDR modifications during the year ended March 31, 2014 and March 31, 2015 presented by primary modification type and includes the financial effects of these modifications. Fiscal year ended March 31, 2014 Carrying TDRs involving changes in the amount of principal payments (1) TDRs involving changes in the amount of interest payments (2) TDRs involving changes in the amount of both principal and interest payments Balance of principal forgiven Net P&L impact (3) (In millions) Retail business banking Rs. 83.9 Rs. 0 Rs. 83.9 Rs. 0 Rs. 0 Rs. 7.8 Wholesale loans 167.0 0 167.0 0 0 147.0 Total 4 Rs. 250.9 Rs. 0 Rs. 250.9 Rs. 0 Rs 0 Rs. 154.8 (1) TDRs involving changes in the amount of principal payment may include principal forgiveness or deferral of periodic and/or final principal payments. (2) TDRs involving changes in the amount of interest payments may involve a reduction in interest rate. (3) Balances reflect charge-offs and/or allowance for credit losses and/or income not recognized/deferred (4) TDR modification during the year ended March 31, 2014 comprised of four cases. Fiscal year ended March 31, 2015 Carrying value TDRs involving changes in the amount of principal payments (1) TDRs involving changes in the amount of interest payments (2) TDRs involving changes in the amount of both principal and interest payments Balance of principal forgiven Net P&L impact (3) (In millions) Retail business banking Rs. 257.5 Rs. 0 Rs. 257.5 Rs. 0 Rs. 0 Rs. 9.8 Wholesale loans 1,937.3 0 1,937.3 0 0 176.0 Total 4 Rs. 2,194.8 Rs. 0 Rs. 2,194.8 Rs. 0 Rs. 0 Rs. 185.8 Total 4 US$ 35.2 US$ 0 US$ 35.2 US$ 0 US$ 0 US$ 3.0 (1) TDRs involving changes in the amount of principal payment may include principal forgiveness or deferral of periodic and/or final principal payments. (2) TDRs involving changes in the amount of interest payments may involve a reduction in interest rate. (3) Balances reflect charge-offs and/or allowance for credit losses and/or income not recognized/deferred (4) TDR modification during the year ended March 31, 2015 comprised of six cases. The table below summarizes TDRs that have defaulted in the current period within 12 months of their modification date. The defaulted TDRs are based on a payment default definition of 90 days past due. As of March 31, 2015 recorded investments (In millions) Retail loans: Retail business banking Rs. 72.2 Wholesale loans 79.5 Total Rs. 151.7 Total US$ 2.4
Schedule of Interest and Fee Income, Loans and Leases	Interest on loans by facility are as follows: Fiscal years ended March 31, 2013 2014 2015 2015 (In millions) Wholesale Rs. 82,159.2 Rs. 93,448.1 Rs. 105,465.8 US$ 1,692.6 Retail loans 189,571.3 233,307.2 282,798.9 4,538.6 Total Rs. 271,730.5 Rs. 326,755.3 Rs. 388,264.7 US$ 6,231.2
Wholesale loans
Financing Receivable Credit Quality Indicators	Wholesale Loans The Bank has in place a process of grading each borrower according to its financial health and the performance of its business and each borrower is graded as pass/labeled/impaired. Wholesale loans that are not impaired are disclosed as pass or labeled. Labeled loans are those with evidence of weakness where such exposures indicate deteriorating trends which if not corrected could adversely impact repayment of the obligations. The Bank’s model assesses the overall risk over four major categories – industry risk, business risk, management risk and financial risk. The inputs in each of the categories are combined to provide an aggregate numerical rating, which is a function of the aggregate weighted scores based on the assessment under each of these four risk categories. As of March 31, 2014 2015 2015 (In millions) Credit quality indicators-Internally assigned grade and payment activity Pass Rs. 1,029,884.6 Rs. 1,205,084.8 US$ 19,340.2 Labeled 1,280.8 3,886.2 62.3 Impaired 8,758.2 13,489.6 216.5 Total Rs. 1,039,923.6 Rs. 1,222,460.6 US$ 19,619.0
Receivable By Industry
Impaired Financing Receivables	Impaired loans by industry as of March 31, 2014 and March 31, 2015 by facility are as follows: As of March 31, 2014 (In millions) Gross impaired loans by industry: — Land Transport Rs. 2,077.9 — Iron & Steel 1,811.8 —Others (none greater than 5% of impaired loans) 25,796.8 Total Rs. 29,686.5 As of March 31, 2015 (In millions) Gross impaired loans by industry: —Activities allied to agriculture Rs. 5,369.3 US$ 86.2 —Iron & Steel 4,793.8 76.9 — Wholesale Trade 3,608.2 57.9 —Consumer Loans 2,392.3 38.4 —Others (none greater than 5% of impaired loans) 23,161.2 371.7 Total Rs. 39,324.8 US$ 631.1 Summary information relating to impaired loans during the year ended March 31, 2013, March 31, 2014 and March 31, 2015 is as follows: Fiscal Year ended March 31, 2013 2014 2015 2015 (In millions) Average impaired loans, net of allowance Rs. 4,191.7 Rs. 6,851.3 Rs. 11,826.6 US$ 189.8 Interest income recognized on impaired loans Rs. 1,647.8 Rs. 1,664.7 Rs. 1,898.0 US$ 30.5
Retail Loans
Financing Receivable Credit Quality Indicators	Retail Loans Credit quality indicator based on payment activity as of March 31, 2014 and as of March 31, 2015 is given below. As of March 31, 2014 Auto loans Personal loans/ Credit card Retail business banking Commercial vehicle and construction equipment finance Housing loans Other retail Total (In millions) Performing Rs. 405,966.4 Rs. 345,409.4 Rs. 512,367.6 Rs. 274,164.4 Rs. 192,974.7 Rs. 436,526.9 Rs. 2,167,409.4 Impaired 1,845.2 1,984.4 7,104.6 6,207.8 205.8 3,580.5 20,928.3 Total Rs. 407,811.6 Rs. 347,393.8 Rs. 519,472.2 Rs. 280,372.2 Rs. 193,180.5 Rs. 440,107.4 Rs. 2,188,337.7 As of March 31, 2015 Auto loans Personal loans/ Credit card Retail business banking Commercial vehicle and construction equipment finance Housing loans Other retail Total (In millions) Performing Rs. 483,533.0 Rs. 446,733.3 Rs. 650,444.2 Rs. 300,436.0 Rs. 241,126.1 Rs. 572,880.7 Rs. 2,695,153.3 Impaired 2,718.7 2,648.4 10,012.5 5,559.4 242.7 4,653.5 25,835.2 Total Rs. 486,251.7 Rs. 449,381.7 Rs. 660,456.7 Rs. 305,995.4 Rs. 241,368.8 Rs. 577,534.2 Rs. 2,720,988.5 Total US$ 7,803.8 US$ 7,212.0 US$ 10,599.5 US$ 4,910.9 US$ 3,873.7 US$ 9,268.6 US$ 43,668.5

Sales_transfer of receivables (

Sales/transfer of receivables (Tables)	12 Months Ended
	Mar. 31, 2015
Cash Flows Received From Customers And Paid To Securitization Special Purpose Entities Transferees	The following table summarizes the cash flows received from customers and paid to SPEs/transferees for sales of performing loans during the years ended March 31, 2013, March 31, 2014 and March 31, 2015: Fiscal years ended March 31, 2013 2014 2015 2015 (In millions) Cash flow information Collections against securitized receivables/transfers Rs. 1,946.0 Rs. 1,771.9 Rs. 903.6 US$ 14.5 Payments made 1,819.6 1,537.7 832.5 13.4 Cash flows on retained interests Rs. 128.6 Rs. 223.1 Rs. 69.3 US$ 1.1
Key Disclosures of Transferred Financial Assets with Continuing Involvement	Other key disclosures are as follows: As of March 31, 2014 2015 2015 (In millions) Transferred receivables with continuing involvement* Rs. 2,250.7 Rs. 1,670.3 US$ 26.8 Delinquencies 240.4 296.0 4.8 Credit losses 173.5 220.5 3.5 Retained interest in sold receivables 102.7 64.3 1.0 * Includes less than Rs. 0.1 million held by SPEs as of March 31, 2014 and nil as of March 31, 2015.
Schedule of Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets, or Servicing Liabilities	The table below outlines the economic assumptions and the sensitivity of the estimated fair value of retained interests in finance receivables as of March 31, 2014 and March 31, 2015 to immediate 10% and 20% changes in those assumptions: As of March 31, 2014 2015 2015 (In millions) Fair value of retained interests Annual prepayment rate: Impact of 10% adverse change Rs. 9.2 Rs. 6.7 US$ 0.1 Impact of 20% adverse change 17.5 12.7 0.2 Expected credit losses: Impact of 10% adverse change 10.0 6.6 0.1 Impact of 20% adverse change 20.0 13.2 0.2

Concentrations of credit risk (

Concentrations of credit risk (Tables)	12 Months Ended
	Mar. 31, 2015
Schedules of Concentration of Risk, by Risk Factor	Retail business banking loans are classified in the appropriate categories below and loans to commercial vehicle operators are included in land transport below. As of March 31, 2014 Category Gross loans Fair Values Of Credit Substitutes Non-funded exposure Total % (In millions, except percentages) Wholesale Trade Rs. 235,711.9 Rs. 99.9 Rs. 26,849.8 Rs. 262,661.6 6.8 % Automobile & Auto Ancillary 145,886.7 5,067.8 13,878.2 164,832.7 4.3 Activities allied to agriculture 155,559.1 0 562.2 156,121.3 4.0 Land Transport 150,177.4 0 2,398.4 152,575.8 3.9 Banks & Financial Institutions 19,010.7 0 129,375.0 148,385.7 3.8 Coal & Petroleum Products 69,725.4 0 62,589.9 132,315.3 3.4 Services 96,238.8 341.8 17,496.5 114,077.1 2.9 Food & Beverage 99,588.0 1,000.6 6,182.8 106,771.4 2.8 Iron & Steel 82,959.4 2,323.8 19,958.0 105,241.2 2.7 Engineering 57,349.9 0 38,982.2 96,332.1 2.5 Retail trade 90,086.2 0 3,121.6 93,207.8 2.4 Power 70,980.3 1,489.4 14,572.6 87,042.3 2.2 NBFC/Financial Intermediaries 57,796.1 23,196.9 2,217.1 83,210.1 2.1 Others (none greater than 2%) 1,897,191.4 31,626.9 245,854.3 2,174,672.6 56.2 Total Rs. 3,228,261.3 Rs. 65,147.1 Rs. 584,038.6 Rs. 3,877,447.0 100.0 % As of March 31, 2015 Category Gross loans Fair Values Of Credit Substitutes Non-funded exposure Total Total % (In millions, except percentages) Consumer Loans Rs. 479,467.5 Rs. 0 Rs. 17.6 Rs. 479,485.1 US$ 7,695.2 10.1 % Activities allied to agriculture 422,894.4 0 1,697.6 424,592.0 6,814.2 8.9 Wholesale Trade 308,806.4 5,259.8 31,745.5 345,811.7 5,549.9 7.3 Services 230,040.6 445.9 15,511.7 245,998.2 3,948.0 5.2 Automobile & Auto Ancillary 192,017.4 23,046.5 16,357.7 231,421.6 3,714.0 4.9 Retail trade 189,593.5 841.2 4,761.4 195,196.1 3,132.7 4.1 Coal & Petroleum Products 40,153.4 5,984.5 111,908.1 158,046.0 2,536.4 3.3 NBFC/Financial Intermediaries 94,744.7 59,985.8 1,876.5 156,607.0 2,513.4 3.3 Food & Beverage 121,172.2 7,040.2 6,734.9 134,947.3 2,165.7 2.8 Land Transport 131,240.2 522.1 2,668.8 134,431.1 2,157.5 2.8 Power 96,169.7 15,846.8 18,570.3 130,586.8 2,095.8 2.7 Engineering 79,747.2 1,077.1 48,819.8 129,644.1 2,080.6 2.7 Real Estate & Property Services 88,264.9 3,607.0 11,179.6 103,051.5 1,653.9 2.2 Iron & Steel 84,913.9 1,475.8 15,927.1 102,316.8 1,642.1 2.1 Others (none greater than 2%) 1,384,223.1 69,926.2 340,225.7 1,794,375.0 28,797.5 37.6 Total Rs. 3,943,449.1 Rs. 195,058.9 Rs. 628,002.3 Rs. 4,766,510.3 US$ 76,496.9 100.0 %
Exposure to ten largest borrowers
Fair Value, Concentration of Risk	The Bank’s ten largest exposures as of March 31, 2014 and March 31, 2015, based on the higher of the outstanding balance or the limit on loans, investments (including credit substitutes) and non-funded exposures (including derivatives), are as follows: As of March 31, 2014 Funded Non-Funded Exposure Total Exposure (In millions) Borrower 1 Rs. 121,804.1 Rs. 150.1 Rs. 121,954.2 Borrower 2 39,740.2 35,500.0 75,240.2 Borrower 3 42,582.3 22,489.0 65,071.3 Borrower 4 26,948.1 15,568.4 42,516.5 Borrower 5 42,500.0 0 42,500.0 Borrower 6 12,469.1 23,604.9 36,074.0 Borrower 7 30,000.0 0 30,000.0 Borrower 8 27,400.0 2,239.2 29,639.2 Borrower 9 26,980.8 3.3 26,984.1 Borrower 10 18,797.6 7,967.2 26,764.8 As of March 31, 2015 Funded Non-Funded Exposure Total Exposure Total Exposure (In millions) Borrower 1 Rs. 122,505.0 Rs. 290.5 Rs. 122,795.5 US$ 1,970.7 Borrower 2 25,516.9 55,571.8 81,088.7 1,301.4 Borrower 3 22,117.2 50,000.0 72,117.2 1,157.4 Borrower 4 65,000.0 16.3 65,016.3 1,043.4 Borrower 5 23,919.4 21,789.0 45,708.4 733.6 Borrower 6 38,545.2 2,068.5 40,613.7 651.8 Borrower 7 496.1 34,598.7 35,094.8 563.2 Borrower 8 35,000.0 0 35,000.0 561.7 Borrower 9 15,512.9 15,134.6 30,647.5 491.9 Borrower 10 15,338.0 15,127.9 30,465.9 488.9

Property and equipment (Tables)

Property and equipment (Tables)	12 Months Ended
	Mar. 31, 2015
Property, Plant and Equipment	Property and equipment by asset category is as follows: As of March 31, 2014 2015 2015 (In millions) Land and premises Rs. 14,659.9 Rs. 15,339.0 US$ 246.2 Software and systems 13,150.2 16,123.2 258.8 Equipment and furniture 44,907.5 49,270.1 790.7 Property and equipment, at cost 72,717.6 80,732.3 1,295.7 Less: Accumulated depreciation 41,348.5 47,376.4 760.4 Property and equipment, net Rs. 31,369.1 Rs. 33,355.9 US$ 535.3

Goodwill and other intangible47

Goodwill and other intangible assets (Tables)	12 Months Ended
	Mar. 31, 2015
Schedule of Finite-Lived Intangible Assets Acquired as Part of Business Combination	The table below presents the gross carrying amount, accumulated amortization and net carrying amount, in total and by class of intangible assets as of March 31, 2014 and March 31, 2015: As of March 31, 2014 As of March 31, 2015 Gross Accumulated amortization Net carrying amount Gross carrying amount Accumulated amortization Net carrying amount Net carrying amount (In millions) Branch network Rs. 8,335.0 Rs. 8,133.0 Rs. 202.0 Rs. 8,335.0 Rs. 8,335.0 Rs. 0 US$ 0 Customer list 2,710.0 2,710.0 0 2,710.0 2,710.0 0 0 Core deposit 4,414.0 4,414.0 0 4,414.0 4,414.0 0 0 Favorable leases 543.0 514.0 29.0 543.0 531.0 12.0 0.2 Total Rs. 16,002.0 Rs. 15,771.0 Rs. 231.0 Rs. 16,002.0 Rs. 15,990.0 Rs. 12.0 US$ 0.2
Schedule of Expected Amortization Expense	The estimated amortization expense for intangible assets for each of the five succeeding twelve months period is given in the table below: As of March 31, 2015 2015 (In millions) To be amortized during the twelve months ending March 31: 2016 Rs. 7.0 US$ 0.1 2017 3.0 0.1 2018 1.0 0 2019 1.0 0 2020 0 0

Other assets (Tables)

Other assets (Tables)	12 Months Ended
	Mar. 31, 2015
Other Assets Disclosure	Other assets include the following: As of March 31, 2014 2015 2015 (In millions) Security deposits for leased property Rs. 3,728.7 Rs. 4,232.1 US$ 67.9 Sundry accounts receivable 22,455.4 12,492.3 200.5 Advance tax (net of provision for taxes) 12,251.3 14,703.2 236.0 Advances 1,444.8 2,682.1 43.0 Prepaid expenses 1,160.2 1,454.2 23.3 Restricted cash/ securitization margin for credit enhancement and securitized transactions 3,677.4 3,197.0 51.3 Derivatives (refer to note 24) 142,479.3 72,415.7 1,162.2 Others 27,093.9 19,301.4 309.8 Total Rs. 214,291.0 Rs. 130,478.0 US$ 2,094.0

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Mar. 31, 2015
Deposit Liabilities Table Disclosures	Deposits include demand deposits, which are non-interest-bearing, and savings and time deposits, which are interest-bearing. Deposits as of March 31, 2014 and March 31, 2015 were as follows: As of March 31, 2014 2015 2015 (In millions) Interest-bearing: Savings deposits Rs. 1,031,326.1 Rs. 1,249,266.1 US$ 20,049.2 Time deposits 2,025,828.4 2,519,412.7 40,433.5 Total interest-bearing deposits 3,057,154.5 3,768,678.8 60,482.7 Non-interest-bearing deposits 612,845.6 733,032.0 11,764.3 Total Rs. 3,670,000.1 Rs. 4,501,710.8 US$ 72,247.0
Time Deposits By Maturity	As of March 31, 2015, the scheduled maturities for total time deposits were as follows: As of March 31, 2015 (In millions) Due to mature in the fiscal year ending March 31: 2016 Rs. 1,737,103.7 US$ 27,878.4 2017 507,781.4 8,149.3 2018 122,233.3 1,961.7 2019 88,001.3 1,412.3 2020 47,145.4 756.6 Thereafter 17,147.6 275.2 Total Rs. 2,519,412.7 US$ 40,433.5

Short-term borrowings (Tables)

Short-term borrowings (Tables)	12 Months Ended
	Mar. 31, 2015
Short-Term Borrowings	Short-term borrowings as of March 31, 2014 and March 31, 2015 were comprised of the following: As of, March 31, 2014 March 31, 2015 March 31, 2015 (In millions) Borrowed in the call market Rs. 13,937.3 Rs. 14,851.7 US$ 238.3 Term borrowings from institutions/banks 49,550.0 80,002.8 1,284.0 Foreign currency borrowings 83,313.8 119,337.4 1,915.2 Bills rediscounted 3,974.4 0 0 Total Rs. 150,775.5 Rs. 214,191.9 US$ 3,437.5 Total borrowings outstanding: Maximum amount outstanding Rs. 383,190.9 Rs. 276,731.0 US$ 4,441.2 Average amount outstanding Rs. 213,031.8 Rs. 143,975.8 US$ 2,310.6 Weighted average interest rate 3.3 % 3.0 % 3.0 %

Long-term debt (Tables)

Long-term debt (Tables)	12 Months Ended
	Mar. 31, 2015
Schedule of Long-term Debt Instruments	The below table presents the balance of long term debt as of March 31, 2014 and March 31, 2015 and the related contractual rates and maturity dates: Years ended March 31, 2014 2015 Maturity / Call dates Stated interest rates Total Maturity / Call dates Stated interest rates Total Total (In millions) Subordinated debt Lower Tier II Fixed rate 2015 - 2024 5.90% to 10.70% Rs. 132,580.0 2016 - 2025 6.00% to 10.70% Rs. 133,440.0 US$ 2,141.6 Upper Tier II Fixed rate 2016 - 2021 8.70% to 10.85% 34,159.0 2016 - 2021 8.70% to 10.85% 34,159.0 548.2 Variable rate 2016 - 2017 LIBOR+1.2 5,991.5 2016 - 2017 LIBOR+1.2 6,250.0 100.3 Perpetual debt 2016 - 2017 9.92% 2,000.0 2016 - 2017 9.92% 2,000.0 32.1 Others Variable rate—(1) 2015 - 2018 1.25% to 3.00% 129,708.4 2016 - 2018 1.50% to 2.59% 49,375.0 792.3 Variable rate—(2) 2015 - 2018 10.25% to 11.35% 57,299.7 2016 - 2019 9.95% to 10.55% 72,737.8 1,167.4 Fixed rate—(1) 2015 - 2019 8.54% to 10.81% 33,470.0 2016 - 2025 8.45% to 10.81% 83,950.0 1,347.3 Fixed rate—(2) 2016 - 2018 1.11% to 4.30% 76,022.6 1,220.1 Total Rs. 395,208.6 Rs. 457,934.4 US$ 7,349.3
Maturities of Long-Term Debt Disclosures	The scheduled maturities of long-term debt are set out below: As of March 31, 2015 (In millions) Due in the twelve months ending March 31: 2016 Rs. 39,713.0 US$ 637.3 2017 101,547.4 1,629.7 2018 98,097.7 1,574.3 2019 39,397.3 632.3 2020 2,500.0 40.1 Thereafter (1) 174,679.0 2,803.4 Total Rs. 455,934.4 US$ 7,317.1 (1) The scheduled maturities of long-term debt do not include perpetual bonds of Rs. 2.0 billion.
Long-term Debt
Schedule of Long-term Debt Instruments	Long-term debt as of March 31, 2014 and March 31, 2015 comprised of the following: As of March 31, 2014 March 31, 2015 March 31, 2015 (In millions) Subordinated debt Rs. 174,730.5 Rs. 175,849.0 US$ 2,822.2 Others 220,478.1 282,085.4 4,527.1 Total Rs. 395,208.6 Rs. 457,934.4 US$ 7,349.3

Accrued expenses and other li52

Accrued expenses and other liabilities (Tables)	12 Months Ended
	Mar. 31, 2015
Accrued Expenses and Other Liabilities	Accrued expenses and other liabilities include the amounts set forth below: As of March 31, 2014 2015 2015 (In millions) Bills payable Rs. 56,112.0 Rs. 60,853.2 US$ 976.6 Remittances in transit 22,174.7 17,791.9 285.5 Accrued expenses 20,591.7 20,468.3 328.5 New account deposits 7,073.8 12,966.3 208.1 Accounts payable 64,086.3 26,785.7 429.9 Derivatives (refer to note 24) 124,176.3 71,767.5 1,151.8 Others 54,472.9 40,288.7 646.7 Total Rs. 348,687.7 Rs. 250,921.6 US$ 4,027.1

Accumulated other comprehensi53

Accumulated other comprehensive income (Tables)	12 Months Ended
	Mar. 31, 2015
Changes in Accumulated Other Comprehensive Income After Tax	The below table presents the changes in accumulated other comprehensive income (OCI) after tax for the years ended March 31, 2014 and March 31, 2015. Available for sale securities Foreign currency translation reserve Total (In millions) Balance, March 31, 2013 Rs. 222.4 Rs. 263.0 Rs. 485.4 Net unrealized gain/(loss) arising during the period (12,267.8 ) 211.5 (12,056.3 ) Amounts reclassified to income (19.5 ) 0 (19.5 ) Balance, March 31, 2014 Rs. (12,064.9 ) Rs. 474.5 Rs. (11,590.4 ) Balance, March 31, 2014 Rs. (12,064.9 ) Rs. 474.5 Rs. (11,590.4 ) Net unrealized gain/(loss) arising during the period 22,188.9 92.9 22,281.8 Amounts reclassified to income 135.0 0 135.0 Balance, March 31, 2015 Rs. 10,259.0 Rs. 567.4 Rs. 10,826.4 Balance, March 31, 2015 US$ 164.6 US$ 9.2 US$ 173.8
Reclassification Out of Accumulated Other Comprehensive Income (OCI) by Income line Item and the Related Tax Effect	The below table presents the reclassification out of accumulated other comprehensive income (OCI) by income line item and the related tax effect for period ended March 31, 2014 and March 31, 2015. As of March 31, 2014 2015 2015 (In millions) Available for sale securities: Realized (gain)/loss on sales of available for sale securities, net Rs. (29.5 ) Rs. 202.7 US$ 3.3 Other than temporary impairment losses on available for sale securities 0 1.8 0 Total before tax Rs. (29.5 ) Rs. 204.5 US$ 3.3 Income tax 10.0 (69.5 ) (1.1 ) Net of tax Rs. (19.5 ) Rs. 135.0 US$ 2.2

Income taxes (Tables)

Income taxes (Tables)	12 Months Ended
	Mar. 31, 2015
Income Tax Disclosure Table	Income tax expense is comprised of the following: Years ended March 31, 2013 2014 2015 2015 (In millions) Current income tax expense Rs. 35,848.5 Rs. 44,324.2 Rs. 54,954.4 US$ 882.0 Deferred income tax (benefit) expense* (4,881.7 ) (1,994.6 ) (352.1 ) (5.7 ) Interest on income tax refund (1,126.7 ) (25.4 ) (82.4 ) (1.3 ) Income tax expense** Rs. 29,840.1 Rs. 42,304.2 Rs. 54,519.9 US$ 875.0 * Includes deferred income tax benefits on the amortization of intangible assets of Rs. 747.7 million, Rs. 495.6 million and Rs. 74.4 million for fiscals March 31, 2013, March 31, 2014 and March 31, 2015, respectively. ** Does not include the deferred tax effects of unrealized gains and losses on available for sale securities that are included in accumulated other comprehensive income of Rs. (3,771.9) million, Rs. 6,310.3 million and Rs. (11,425.5) million for fiscals March 31, 2013, March 31, 2014 and March 31, 2015, respectively. Includes income tax effects on reclassification adjustment on gains and losses on available for sale securities included in net income reclassified from accumulated other comprehensive income of Rs. 103.8 million, Rs. 10.0 million and Rs. (69.5) million for fiscals March 31, 2013, March 31, 2014 and March 31, 2015, respectively. Further, pretax income and income tax expense are substantially from India.
Reconciliation Of Statutory Federal Tax Rate	The following is the reconciliation of estimated income taxes at the Indian statutory income tax rate to income tax expense as reported: Years ended March 31, 2013 2014 2015 2015 (In millions) Income before income tax expense Rs. 91,974.8 Rs. 121,750.4 Rs. 154,024.6 US$ 2,471.9 Statutory income tax rate 32.45 % 33.99 % 33.99 % 33.99 % Expected income tax expense 29,841.2 41,383.0 52,353.0 840.2 Adjustments to reconcile expected income tax to actual tax expense Interest on income tax refund, net of tax effect (761.1 ) (16.8 ) (54.4 ) (0.9 ) Nondeductible stock-based compensation 1,471.0 1,867.9 3,106.3 49.9 Income exempt from taxes (593.5 ) (450.9 ) (1,026.6 ) (16.5 ) Effect of change in statutory tax rate 0 (606.6 ) 0 0 Other, net (117.5 ) 127.6 141.6 2.3 Income tax expense Rs. 29,840.1 Rs. 42,304.2 Rs. 54,519.9 US$ 875.0
Components of Deferred Tax Assets and Liabilities	The tax effects of significant temporary differences are as follows: As of March 31, 2014 2015 2015 (In millions) Tax effect of: Deductible temporary differences: Allowance for loan losses Rs. 11,221.9 Rs. 12,576.7 US$ 201.8 Unrealized loss on securities available for sale 6,274.7 0 0 Investments, others 441.9 4.6 0.1 Derivatives 489.7 820.9 13.2 Employee benefits 2,048.5 1,225.8 19.7 Others 2,935.0 3,212.8 51.5 Deferred tax asset 23,411.7 17,840.8 286.3 Taxable temporary differences: Property and equipment 783.6 891.3 14.3 Loan origination cost 1,577.2 1,944.9 31.2 Unrealized gain on securities available for sale 0 5,209.8 83.6 Intangible assets 78.5 4.1 0.1 Deferred tax liability 2,439.3 8,050.1 129.2 Net deferred tax asset (liability) Rs. 20,972.4 Rs. 9,790.7 US$ 157.1
Reconciliation Of Unrecognized Tax Benefits	A reconciliation of the beginning and ending balance of unrecognized tax benefits is as follows: Year ended March 31, 2014 2015 2015 (In millions) Opening balance Rs. 648.3 Rs. 648.3 US$ 10.4 Increase/(decrease) related to prior year tax positions 0 0 0 Closing balance Rs. 648.3 Rs. 648.3 US$ 10.4

Stock-based compensation (Table

Stock-based compensation (Tables)	12 Months Ended
	Mar. 31, 2015
Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions	The fair value of options has been estimated on the dates of each grant using a binomial option pricing model with the following assumptions: Years ended March 31, 2013* 2014 2015 Dividend yield 0 0.81%-0.83% 0.82% Expected volatility 0 28.57%-41.52% 24.30%-32.00% Risk-free interest rate 0 8.21%-9.08% 8.42%-8.63% Expected term (in years) 0 3.81-5.44 4.13-5.45
Schedule of Share-based Compensation, Stock Options, Activity	Activity in the options available to be granted under the Employee Stock Option Scheme is as follows: Options available to be granted years ending March 31, 2013 2014 2015 Options available to be granted, beginning of period* 57,116,000 58,080,400 112,121,300 Equity shares allocated for grant under the plan 0 100,000,000 0 Options granted 0 (47,060,000 ) (41,659,000 ) Forfeited/ lapsed* 964,400 1,100,900 2,385,050 Options available to be granted, end of period 58,080,400 112,121,300 72,847,350 * Does not include options exchanged on acquisition of CBoP since these options on forfeiture/ lapse are not available for re-issue. Activity in the options outstanding under the Employee Stock Option Scheme is as follows: Years ended March 31, 2013 2014 2015 Options Weighted average exercise price Options Weighted average exercise price Options Weighted average exercise price Options outstanding, beginning of period 99,872,740 Rs. 389.52 65,443,045 Rs. 417.32 92,476,600 Rs. 556.06 Granted 0 0 47,060,000 679.99 41,659,000 835.50 Exercised* (33,459,050 ) 333.87 (18,903,115 ) 382.63 (22,700,740 ) 438.50 Forfeited (848,800 ) 461.85 (1,017,800 ) 618.30 (2,296,500 ) 761.32 Lapsed (121,845 ) 236.79 (105,530 ) 247.18 (105,360 ) 368.42 Options outstanding, end of period 65,443,045 Rs. 417.32 92,476,600 Rs. 556.06 109,033,000 Rs. 683.16 Options exercisable, end of period 56,752,845 Rs. 409.46 46,137,600 Rs. 431.59 41,871,400 Rs. 537.99 Weighted average fair value of options granted during the year Rs. 0 Rs. 258.53 Rs. 302.31 * As of March 31, 2013 includes 728,290 options exercised, pending allotment of equity shares. As of March 31, 2014 excludes 728,290 options of equity shares allotted which were exercised in previous year.
Schedule of Share-based Compensation, Shares Authorized under Stock Option Plans, by Exercise Price Range	The following summarizes information about stock options outstanding as of March 31, 2015: As of March 31, 2015 Plan Range of exercise price Number Of shares arising out of options Weighted average remaining life (years) Weighted average exercise price Plan C Rs.680.00 to Rs.835.50 (or US$ 10.91 to US$ 13.41) 6,778,000 4.32 Rs. 692.50 Plan D Rs.680.00 (or US$ 10.91) 6,402,300 4.26 680.00 Plan E Rs.440.16 to Rs.680.00 (or US$ 7.06 to US$ 10.91) 55,939,700 3.05 573.70 Plan F Rs.835.50 (or US$ 13.41) 39,913,000 5.22 835.50

Retirement benefits (Tables)

Retirement benefits (Tables)	12 Months Ended
	Mar. 31, 2015
Schedule of Allocation of Plan Assets	Plan investment assets for gratuity funds and the pension fund measured at fair value by level and in total as of March 31, 2014 and March 31, 2015 are summarized in the table below. As of March 31, 2014 As of March 31, 2015 Level 1 Level 2 Level 3 Level 1 Level 2 Level 3 (In millions) Funds managed by insurance company (1) Rs. 0 Rs. 0 Rs. 404.0 Rs. 0 Rs. 0 Rs. 489.2 Funds managed by insurance company (2) 0 1,082.3 0 0 1,688.6 0 Funds managed by trust — Government securities 0 113.6 0 0 130.2 0 — Debenture and bonds 0 441.3 0 0 440.9 0 — Others 164.7 0 0 99.0 0 0 Total Rs. 164.7 Rs. 1,637.2 Rs. 404.0 Rs. 99.0 Rs. 2,259.7 Rs. 489.2 US$ 1.6 US$ 36.3 US$ 7.8
Schedule of Effect of Significant Unobservable Inputs, Changes in Plan Assets	The table below presents a reconciliation of all Plan investment assets measured at fair value using significant unobservable inputs (Level 3) during fiscal 2014 and 2015. Funds managed by Insurance companies as of March 31, 2014 2015 2015 (In millions) Particular Opening balance Rs. 378.6 Rs. 404.0 US$ 6.5 Realized interest credited to fund 31.5 0 0 Contribution during the period 131.5 140.8 2.2 Amount paid towards claim (137.6 ) (55.6 ) (0.9 ) Closing balance Rs. 404.0 Rs. 489.2 US$ 7.8
Gratuity
Schedule of Defined Benefit Plans Disclosures	The following table sets out the funded status of the gratuity plan and the amounts recognized in the Bank’s financial statements as of March 31, 2014 and March 31, 2015: As of March 31, 2014 2015 2015 (In millions) Change in benefit obligations: Projected benefit obligation (“PBO”), beginning of the period Rs. 2,062.8 Rs. 2,374.3 US$ 38.1 Service cost 388.8 504.7 8.1 Interest cost 178.7 182.4 2.9 Actuarial(gains)/ losses (101.8 ) 204.4 3.3 Benefits paid (154.2 ) (159.9 ) (2.6 ) Projected benefit obligation, end of the period 2,374.3 3,105.9 49.8 Change in plan assets: Fair value of plan assets, beginning of the period 1,302.3 1,726.0 27.7 Expected return on plan assets 121.1 166.2 2.7 Actuarial gains/(losses) 18.6 213.5 3.4 Actual return on plan assets 139.7 379.7 6.1 Employer contributions 438.2 483.0 7.8 Benefits paid (154.2 ) (159.9 ) (2.6 ) Fair value of plan assets, end of the period 1,726.0 2,428.8 39.0 Funded Status Rs. (648.3 ) Rs. (677.1 ) US$ (10.8 )
Schedule of Net Benefit Costs	Net gratuity cost for the years ended March 31, 2013, March 31, 2014 and March 31, 2015 was comprised of the following components: Fiscal years ended March 31, 2013 2014 2015 2015 (In millions) Service cost Rs. 387.2 Rs. 388.8 Rs. 504.7 US$ 8.1 Interest cost 130.6 178.7 182.4 2.9 Expected return on plan assets (88.8 ) (121.1 ) (166.2 ) (2.7 ) Actuarial (gains)/ losses (20.4 ) (120.4 ) (9.1 ) (0.1 ) Net gratuity cost Rs. 408.6 Rs. 326.0 Rs. 511.8 US$ 8.2
Schedule of Assumptions Used	The assumptions used in accounting for the gratuity plan are set out below: Fiscal years ended March 31, 2013 2014 2015 (% per annum) Discount rate* 8.1 9.0 8.0 Rate of increase in compensation levels of covered employees 8.5 8.5 8.0 Rate of return on plan assets 8.0 8.0 8.0 * Weighted average assumptions used to determine both benefit obligations and net periodic benefit cost.
Schedule of Expected Benefit Payments	The following benefit payments, which includes benefits attributable to expected future service, as appropriate, are expected to be paid. Year ending March 31, Benefit payments (In millions) 2016 Rs. 175.0 2017 185.2 2018 202.0 2019 291.8 2020 337.3 2021-2025 1,170.2
Schedule of Allocation of Plan Assets	As at March 31, 2015, the plan assets as a percentage of the total funds were as follows: As of March 31, 2015 Funds managed Funds managed by insurance company (2)* Funds managed by trust Government securities 52.2 % 27.0 % 40.2 % Debenture and bonds 29.9 % 13.6 % 45.1 % Equity securities 5.5 % 53.7 % 0 Other 12.4 % 5.7 % 14.7 % Total 100.0 % 100.0 % 100.0 % * The data pertaining to plan investment assets measured at fair value by level and total at March 31, 2015 are provided separately.
Pension
Schedule of Defined Benefit Plans Disclosures	The following table sets out the funded status of the pension plan and the amounts recognized in the Bank’s financial statements as of March 31, 2014 and March 31, 2015: As of March 31, 2014 2015 2015 (In millions) Change in benefit obligations: Projected benefit obligation (“PBO”), beginning of the period Rs. 581.9 Rs. 588.9 US$ 9.5 Service cost 7.7 10.2 0.2 Interest cost 48.4 43.7 0.7 Actuarial (gains)/losses 39.7 11.0 0.2 Benefits paid (88.8 ) (79.4 ) (1.3 ) Projected benefit obligation, end of the period 588.9 574.4 9.3 Change in plan assets: Fair value of plan assets, beginning of the period 488.8 479.9 7.7 Expected return on plan assets 38.7 36.0 0.6 Actuarial gains/(losses) 34.5 (23.8 ) (0.4 ) Actual return on plan assets 73.2 12.2 0.2 Employer contributions 6.7 6.4 0.1 Benefits paid (88.8 ) (79.4 ) (1.3 ) Fair value of plan assets, end of the period 479.9 419.1 6.7 Funded Status Rs. (109.0 ) Rs. (155.3 ) US$ (2.6 )
Schedule of Net Benefit Costs	Net pension cost for the year ended March 31, 2013, March 31, 2014 and March 31, 2015 was comprised of the following components: As of March 31, 2013 2014 2015 2015 (in millions) Service cost Rs. 13.2 Rs. 7.7 Rs. 10.2 US$ 0.2 Interest cost 41.8 48.4 43.7 0.7 Expected return on plan assets (40.0 ) (38.7 ) (36.0 ) (0.6 ) Actuarial (gains)/losses 85.1 5.2 34.8 0.6 Net pension cost Rs. 100.1 Rs. 22.6 Rs. 52.7 US$ 0.9
Schedule of Assumptions Used	The assumptions used in accounting for the pension plan are set out below: Fiscal years ended March 31, 2013 2014 2015 (% per annum) Discount rate* 8.1 9.0 8.0 Rate of increase in compensation levels of covered employees 8.5 8.5 8.0 Rate of return on plan assets 8.0 8.0 8.0 * Weighted average assumptions used to determine both benefit obligations and net periodic benefit cost.
Schedule of Expected Benefit Payments	The following benefit payments, which include benefits attributable to expected future service, as appropriate, are expected to be paid. Year ending March 31, Benefit payments (In millions) 2016 Rs. 79.1 2017 38.0 2018 76.7 2019 88.5 2020 76.2 2021-2025 225.7
Schedule of Allocation of Plan Assets	The weighted-average asset allocation of the said plan assets for the pension benefits as at March 31, 2015 is as follows: Asset category Funds managed by trust Government securities 7.0 % Debenture and bonds 78.2 % Other 14.8 % Total 100.0 %

Financial instruments (Tables)

Financial instruments (Tables)	12 Months Ended
	Mar. 31, 2015
Schedule of Derivative Instruments	The following table presents the aggregate notional principal amounts of the Bank’s outstanding forward exchange and other derivative contracts as of March 31, 2014 and March 31, 2015, together with the fair values on each reporting date. As of March 31, 2014 Notional Gross Assets Gross Liabilities Net Fair Value (In millions) Interest rate derivatives Rs. 1,772,658.7 Rs. 10,766.4 Rs. 12,240.7 Rs. (1,474.3 ) Currency options 165,920.4 1,329.4 1,640.4 (311.0 ) Currency swaps 71,041.3 5,055.9 3,326.6 1,729.3 Forward exchange contracts 4,753,861.2 125,327.6 106,968.6 18,359.0 Total Rs. 6,763,481.6 Rs. 142,479.3 Rs. 124,176.3 Rs. 18,303.0 As of March 31, 2015 Notional Gross Assets Gross Liabilities Net Fair Value Notional Net Fair Value (In millions) Interest rate derivatives Rs. 2,210,332.2 Rs. 6,959.2 Rs. 7,289.0 Rs. (329.8 ) US$ 35,473.2 US$ (5.3 ) Forward rate agreements 8,098.5 2.5 2.6 (0.1 ) 130.0 0 Currency options 144,827.2 952.5 1,062.1 (109.6 ) 2,324.3 (1.8 ) Currency swaps 70,521.8 4,225.2 3,093.3 1,131.9 1,131.8 18.2 Forward exchange contracts 6,740,520.9 60,276.3 60,320.5 (44.2 ) 108,177.2 (0.7 ) Total Rs. 9,174,300.6 Rs. 72,415.7 Rs. 71,767.5 Rs. 648.2 US$ 147,236.5 US$ 10.4
Schedule of Derivative Instruments, Gain (Loss) in Statement of Financial Performance	The following table summarizes certain information related to derivative amounts recognized in income: Non-interest revenue, net – Derivatives for the years ended March 31, 2014 2015 2015 (In millions) Interest rate derivatives Rs. (1,768.7 ) Rs. (383.4 ) US$ (6.2 ) Forward rate agreements 0 3.0 0 Currency options 250.0 303.0 4.9 Currency swaps 662.6 151.3 2.4 Forward exchange contracts 975.6 (7,466.9 ) (119.7 ) Total gains/(losses) Rs. 119.5 Rs. (7,393.0 ) US$ (118.6 )
Amounts Subject to Enforceable Netting Arrangements	As of March 31, 2014 Amounts subject to enforceable netting arrangements Effects of offsetting on balance sheet Related amounts not offset Gross Amounts Amounts offset Net amounts reported in the balance sheet Financial instruments Financial (1) Net amount (In millions) Financial assets Derivative assets Rs. 142,479.3 Rs. 0 Rs. 142,479.3 Rs. 101,787.6 Rs. 9,191.9 Rs. 31,499.8 Securities purchased under agreements to resell 57,322.6 0 57,322.6 0 57,322.6 0 Financial liabilities Derivative liabilities Rs. 124,176.3 Rs. 0 Rs. 124,176.3 Rs. 101,787.6 Rs. 305.3 Rs. 22,083.4 (1) Comprised of securities and cash collaterals. These amounts are limited to the asset/ liability balance, and accordingly, do not include excess collateral received/ pledged. As of March 31, 2015 Amounts subject to enforceable netting arrangements Effects of offsetting on balance sheet Related amounts not offset Gross Amounts Amounts Net amounts Financial Financial (1) Net amount Net amount (In millions) Financial assets Derivative assets Rs. 72,415.7 Rs. 0 Rs. 72,415.7 Rs. 53,534.5 Rs. 2,761.7 Rs. 16,119.5 US$ 258.7 Securities purchased under agreements to resell 1,592.6 0 1,592.6 0 1,592.6 0 0 Financial liabilities Derivative liabilities Rs. 71,767.5 Rs. 0 Rs. 71,767.5 Rs. 53,534.5 Rs. 390.8 Rs. 17,842.2 US$ 286.3 Securities sold under repurchase agreements 50,000.0 0 50,000.0 0 50,000.0 0 0 (1) Comprised of securities and cash collaterals. These amounts are limited to the asset/ liability balance, and accordingly, do not include excess collateral received/ pledged.
Amounts Subject to Enforceable Netting Arrangements	As of March 31, 2014 Amounts subject to enforceable netting arrangements Effects of offsetting on balance sheet Related amounts not offset Gross Amounts Amounts offset Net amounts reported in the balance sheet Financial instruments Financial (1) Net amount (In millions) Financial assets Derivative assets Rs. 142,479.3 Rs. 0 Rs. 142,479.3 Rs. 101,787.6 Rs. 9,191.9 Rs. 31,499.8 Securities purchased under agreements to resell 57,322.6 0 57,322.6 0 57,322.6 0 Financial liabilities Derivative liabilities Rs. 124,176.3 Rs. 0 Rs. 124,176.3 Rs. 101,787.6 Rs. 305.3 Rs. 22,083.4 (1) Comprised of securities and cash collaterals. These amounts are limited to the asset/ liability balance, and accordingly, do not include excess collateral received/ pledged. As of March 31, 2015 Amounts subject to enforceable netting arrangements Effects of offsetting on balance sheet Related amounts not offset Gross Amounts Amounts Net amounts Financial Financial (1) Net amount Net amount (In millions) Financial assets Derivative assets Rs. 72,415.7 Rs. 0 Rs. 72,415.7 Rs. 53,534.5 Rs. 2,761.7 Rs. 16,119.5 US$ 258.7 Securities purchased under agreements to resell 1,592.6 0 1,592.6 0 1,592.6 0 0 Financial liabilities Derivative liabilities Rs. 71,767.5 Rs. 0 Rs. 71,767.5 Rs. 53,534.5 Rs. 390.8 Rs. 17,842.2 US$ 286.3 Securities sold under repurchase agreements 50,000.0 0 50,000.0 0 50,000.0 0 0 (1) Comprised of securities and cash collaterals. These amounts are limited to the asset/ liability balance, and accordingly, do not include excess collateral received/ pledged.
Schedule of Guarantor Obligations	Details of guarantees and documentary credits outstanding are set out below: As of March 31, 2014 2015 2015 (In millions) Nominal values: Bank guarantees: Financial guarantees Rs. 161,259.8 Rs. 160,779.8 US$ 2,580.3 Performance guarantees 88,204.3 114,906.3 1,844.1 Documentary credits 192,095.2 279,900.5 4,492.1 Total Rs. 441,559.3 Rs. 555,586.6 US$ 8,916.5 Estimated fair values: Guarantees Rs. (1,301.7 ) Rs. (1,509.7 ) US$ (24.2 ) Documentary credits (179.0 ) (249.0 ) (4.0 ) Total Rs. (1,480.7 ) Rs. (1,758.7 ) US$ (28.2 )

Estimated fair value of finan58

Estimated fair value of financial instruments (Tables)	12 Months Ended
	Mar. 31, 2015
Fair Value, by Balance Sheet Grouping	A comparison of the fair values and carrying values of financial instruments is set out below: As of March 31, 2014 March 31, 2015 Estimated Fair Value Estimated Fair Value Carrying Value Level 1 Level 2 Level 3 Total Carrying Value Level 1 Level 2 Level 3 Total Carrying Value Estimated Fair Value (In millions) Financial Assets: Cash and cash equivalents Rs. 370,835.2 Rs. 370,835.2 Rs. 0 Rs. 0 Rs. 370,835.2 Rs. 341,124.3 Rs. 341,124.3 Rs. 0 Rs. 0 Rs. 341,124.3 US$ 5,474.6 US$ 5,474.6 Term placements 176,481.7 0 176,346.4 0 176,346.4 169,989.5 0 169,990.7 0 169,990.7 2,728.1 2,728.1 Investments held for trading 65,077.9 25.9 65,052.0 0 65,077.9 61,292.8 0 61,292.8 0 61,292.8 983.7 983.7 Investments available for sale* 908,128.9 341.1 907,787.8 0 908,128.9 1,503,708.4 105,008.8 1,382,450.2 16,249.4 1,503,708.4 24,132.8 24,132.8 Securities purchased under agreements to resell 57,322.6 0 57,322.6 0 57,322.6 1,592.6 0 1,592.6 0 1,592.6 25.6 25.6 Loans 3,185,648.1 0 3,220,631.0 0 3,220,631.0 3,896,115.0 0 1,190,272.3 2,726,798.2 3,917,070.5 62,527.9 62,864.2 Accrued interest receivable 40,388.5 0 40,388.5 0 40,388.5 45,705.0 0 45,705.0 0 45,705.0 733.5 733.5 Other assets 186,036.9 0 184,774.8 0 184,774.8 109,722.4 0 108,346.3 0 108,346.3 1,760.9 1,738.8 Financial Liabilities: Interest-bearing deposits 3,057,154.5 0 3,039,651.4 0 3,039,651.4 3,768,678.8 0 3,766,754.6 0 3,766,754.6 60,482.7 60,451.8 Non-interest-bearing deposits 612,845.6 0 612,845.6 0 612,845.6 733,032.0 0 733,032.0 0 733,032.0 11,764.3 11,764.3 Securities sold under repurchase agreements 0 0 0 0 0 50,000.0 0 50,000.0 0 50,000.0 802.4 802.4 Short-term borrowings 150,775.5 0 151,062.9 0 151,062.9 214,191.9 0 214,448.4 0 214,448.4 3,437.5 3,441.6 Accrued interest payable 27,734.7 0 27,734.7 0 27,734.7 32,689.5 0 32,689.5 0 32,689.5 524.6 524.6 Long-term debt 395,208.6 0 399,998.8 0 399,998.8 457,934.4 0 466,351.5 0 466,351.5 7,349.3 7,484.4 Accrued expenses and other liabilities 295,116.6 0 295,116.6 0 295,116.6 200,563.5 0 200,563.5 .0 200,563.5 3,218.8 3,218.8 * excluding investments carried at cost Rs. 704.4 million (US$11.3 million) (as at March 31, 2014, Rs.695.4 million)

Segment information (Tables)

Segment information (Tables)	12 Months Ended
	Mar. 31, 2015
Schedule of Segment Reporting Information, by Segment	Summarized segment information for the years ended March 31, 2013, March 31, 2014 and March 31, 2015: Fiscal years ended March 31, 2013 2014 Retail Banking Wholesale Banking Treasury Services Total Retail Banking Wholesale Banking Treasury Services Total (In millions) Net interest income/ (expense) (External) Rs. 88,384.7 Rs. 68,846.3 Rs. (154.5 ) Rs. 157,076.5 Rs. 105,479.2 Rs. 82,160.1 Rs. 4,932.8 Rs. 192,572.1 Net interest income/ (expense) (Internal) 39,908.1 (41,783.7 ) 1,875.6 0 46,099.3 (48,923.0 ) 2,823.7 0 Net interest revenue 128,292.8 27,062.6 1,721.1 157,076.5 151,578.5 33,237.1 7,756.5 192,572.1 Less: Provision for credit losses 11,107.1 1,580.9 0 12,688.0 14,942.4 2,485.7 0 17,428.1 Net interest revenue, after allowance for credit losses 117,185.7 25,481.7 1,721.1 144,388.5 136,636.1 30,751.4 7,756.5 175,144.0 Non-interest revenue 56,181.9 6,619.0 2,376.5 65,177.4 62,670.8 8,551.4 (387.7 ) 70,834.5 Non-interest expense (105,510.9 ) (9,803.3 ) (2,276.9 ) (117,591.1 ) (116,511.1 ) (6,354.4 ) (1,362.6 ) (124,228.1 ) Income before income tax Rs. 67,856.7 Rs. 22,297.4 Rs. 1,820.7 Rs. 91,974.8 Rs. 82,795.8 Rs. 32,948.4 Rs. 6,006.2 Rs. 121,750.4 Income tax expense Rs. 29,840.1 Rs. 42,304.2 Segment assets: Segment total assets Rs. 2,301,087.4 Rs. 1,684,462.0 Rs. 385,356.7 Rs. 4,370,906.1 Rs. 2,838,734.3 Rs. 1,776,968.9 Rs. 509,704.1 Rs. 5,125,407.3 Fiscal year ended March 31 2015 Retail Banking Wholesale Banking Treasury Services Total Total (In millions) Net interest income/(expense) (External) Rs. 110,165.3 Rs. 108,033.7 Rs. 17,977.3 Rs. 236,176.3 US$ 3,790.4 Net interest income/(expense) (Internal) 74,670.9 (67,529.7 ) (7,141.2 ) 0 0 Net interest revenue 184,836.2 40,504.0 10,836.1 236,176.3 3,790.4 Less: Provision for credit losses 12,355.4 4,644.8 0 17,000.2 272.8 Net interest revenue, after allowance for credit losses 172,480.8 35,859.2 10,836.1 219,176.1 3,517.6 Non-interest revenue 73,189.9 9,557.4 (2,925.8 ) 79,821.5 1,281.1 Non-interest expense (132,305.4 ) (11,547.9 ) (1,119.7 ) (144,973.0 ) (2,326.8 ) Income before income tax Rs. 113,365.3 Rs. 33,868.7 Rs. 6,790.6 Rs. 154,024.6 US$ 2,471.9 Income tax expense Rs. 54,519.9 US$ 875.0 Segment assets: Segment total assets Rs. 3,528,407.2 Rs. 2,248,913.1 Rs. 481,695.5 Rs. 6,259,015.8 US$ 100,449.7

Commitments and contingencies (

Commitments and contingencies (Tables)	12 Months Ended
	Mar. 31, 2015
Operating Leases of Lessee Disclosure	The rental expenses and sub-lease income is as follows: As of March 31, 2013 2014 2015 2015 (In millions) The total minimum lease expense during the year recognized in the consolidated statement of income Rs. 7,006.1 Rs. 7,655.7 Rs. 8,974.5 US$ 144.0
Schedule of Future Minimum Rental Payments for Operating Leases	The future minimum lease payments as of March 31, 2015 were as follows: Year ending March 31, Payments (In millions) 2016 Rs. 8,070.8 US$ 129.5 2017 7,861.9 126.2 2018 7,220.7 115.9 2019 6,271.6 100.7 2020 5,384.1 86.4 Thereafter 20,219.7 324.5 Total Rs. 55,028.8 US$ 883.2
Movement in Provision for Reward Points	The movement in provision for credit card and debit card reward points as of March 31, 2014 and March 31, 2015 is as follows:. As of March 31, 2014 2015 2015 (In millions) Opening provision of reward points Rs. 1,300.7 Rs. 1,509.1 US$ 24.2 Provision made during the year 1,008.9 1,066.8 17.1 Utilization/write back of provision (577.2 ) (637.6 ) (10.2 ) Effect of change in rate of accrual of reward points (223.3 ) (408.3 ) (6.6 ) Effect of change in cost of reward points 0 470.7 7.6 Closing provision of reward points Rs. 1,509.1 Rs. 2,000.7 US$ 32.1

Related party transactions (Tab

Related party transactions (Tables)	12 Months Ended
	Mar. 31, 2015
Schedule of Related Party Transactions	Balances payable to related parties are as follows: As of March 31, 2014 2015 Principal Others Total Principal owner Others Total Total (In millions) Balances in non-interest-bearing deposits Rs. 29,348.1 Rs. 5,541.4 Rs. 34,889.5 Rs. 11,333.1 Rs. 6,902.2 Rs. 18,235.3 US$ 292.7 Balances in interest-bearing deposits 25,600.3 1,341.6 26,941.9 10,701.3 1,482.7 12,184.0 195.5 Accrued expenses and other liabilities 143.2 0 143.2 192.5 0 192.5 3.1 Total Rs. 55,091.6 Rs. 6,883.0 Rs. 61,974.6 Rs. 22,226.9 Rs. 8,384.9 Rs. 30,611.8 US$ 491.3 Balances receivable from related parties are as follows: As of March 31, 2014 2015 Principal Others Total Principal owner Others Total Total (In millions) Loans Rs. 0 Rs. 450.9 Rs. 450.9 Rs. 0 Rs. 267.7 Rs. 267.7 US$ 4.3 Other assets 126.4 701.6 828.0 150.4 443.3 593.7 9.5 Total Rs. 126.4 Rs. 1,152.5 Rs. 1,278.9 Rs. 150.4 Rs. 711.0 Rs. 861.4 US$ 13.8 Purchase of property and equipment from related parties for the years ended March 31, 2014 and 2015 were nil. Purchase and sale of investments from Others for the year ended March 31, 2015 were Rs. 9,326.3 million (previous year Rs. 2,365.6 million) and Rs. 3,374.1 million (previous year Rs.4,117.4 million), respectively. Investment of Others in the Bank’s tier II bonds for the year ended March 31, 2015 were Rs. 900.0 million (previous year Rs. 900.0 million). Included in the determination of net income are the following significant transactions with related parties: March 31, 2013 2014 2015 Principal owner Others Total Principal owner Others Total Principal owner Others Total Total (In millions) Non-interest revenue-Fees and commissions Rs. 1,395.9 Rs. 6,689.5 Rs. 8,085.4 Rs. 1,308.1 Rs. 5,351.6 Rs. 6,659.7 Rs. 1,443.7 Rs. 7,108.8 Rs. 8,552.5 US$ 137.3 Interest and Dividend revenue 0 19.1 19.1 0 110.8 110.8 0 73.4 73.4 1.2 Interest expense-Deposits (97.9 ) (131.8 ) (229.7 ) (88.3 ) (199.6 ) (287.9 ) (76.0 ) (224.8 ) (300.8 ) (4.8 ) Non-interest expense-Administrative and other (462.4 ) (1,110.7 ) (1,573.1 ) (839.9 ) (1,680.0 ) (2,519.9 ) (1,377.9 ) (1,023.0 ) (2,400.9 ) (38.5 ) Non-interest expense-Premises and equipment (17.0 ) (12.6 ) (29.6 ) (17.2 ) (11.7 ) (28.9 ) (20.4 ) (7.2 ) (27.6 ) (0.4 )

Earnings per equity share (Tabl

Earnings per equity share (Tables)	12 Months Ended
	Mar. 31, 2015
Weighted-average number of shares	As of March 31, 2013 2014 2015 Weighted average number of equity shares used in computing basic earnings per equity share 2,360,974,835 2,390,295,703 2,423,777,245 Effect of potential equity shares for stock options outstanding 25,132,636 17,849,608 23,563,558 Weighted average number of equity shares used in computing diluted earnings per equity share 2,386,107,471 2,408,145,311 2,447,340,803
Reconciliation of Earnings Per Share	The following are reconciliations of basic and diluted earnings per equity share and earnings per ADS. Fiscal years ended March 31, 2013 2014 2015 2015 Basic earnings per share Rs. 26.18 Rs. 33.18 Rs. 40.94 US$ 0.66 Effect of potential equity shares for stock options outstanding 0.27 0.24 0.39 0.01 Diluted earnings per share Rs. 25.91 Rs. 32.94 Rs. 40.55 US$ 0.65 Basic earnings per ADS Rs. 78.54 Rs. 99.54 Rs. 122.82 US$ 1.98 Effect of potential equity shares for stock options outstanding 0.81 0.72 1.17 0.03 Diluted earnings per ADS Rs. 77.73 Rs. 98.82 Rs. 121.65 US$ 1.95

Investments in Subsidiaries_A63

Investments in Subsidiaries/Affiliates (Tables)	12 Months Ended
	Mar. 31, 2015
Investments in and Advances to Affiliates	The following is a list of investments in affiliates as at March 31, 2015: Company Type of Business HDFC Bank Ltd. and Subsidiaries Investment HDFC Bank Ltd. and Subsidiaries Ownership Total HDFC Group Ownership (in millions) Computer Age Management Services Private Limited (“CAMS”) Unit capital accounting and transfer agency services Rs. 9.8 12.1 % 23.2 % Softcell Technologies Limited (“Softcell”) Business-to-business software services Rs. 30.3 14.0 % 26.0 % International Asset Reconstruction Company Private Limited Business of securitization and asset reconstruction Rs. 311.7 29.4 % 29.4 %

Fair value measurement (Tables)

Fair value measurement (Tables)	12 Months Ended
	Mar. 31, 2015
Information about Changes in Fair Value of Level 3 Assets Pertaining to Asset-Backed Securities	The following table summarizes, certain additional information about changes in the fair value of Level 3 assets pertaining to asset-backed securities for the year ended March 31, 2015: Particulars As of March 31, 2015 (in millions) Beginning balance at April 1, 2014 Rs. 0 Total gains or losses (realized/unrealized) -Included in earnings 0 -Included in other comprehensive income (315.0 ) Purchases/additions 16,564.4 Sales 0 Issuances 0 Settlements 0 Transfers in Level 3 0 Transfers out of Level 3 0 Foreign currency translation adjustment 0 Ending balance at March 31, 2015 Rs. 16,249.4 Total amount of gains or (losses) included in earnings attributable to change in unrealized gains or (losses) relating to assets still held at reporting date Rs 0
Investments
Fair Value Measured on Recurring Basis	The following table summarizes investments measured at fair value excluding investments carried at cost of Rs. 695.4 million on a recurring basis as of March 31, 2014, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value: Fair Value Measurements Using Particulars Total Quoted prices in active markets for identical assets (Level 1) Significant other observable inputs (Level 2) Significant unobservable inputs (Level 3) (In millions) Trading account securities Rs. 65,077.9 Rs. 25.9 Rs. 65,052.0 Rs. 0 Securities Available-for-Sale 908,128.9 341.1 907,787.8 0 Total Rs. 973,206.8 Rs. 367.0 Rs. 972,839.8 Rs. 0 The following table summarizes investments measured at fair value excluding investments carried at cost of Rs. 704.4 million (US$ 11.3 million) on a recurring basis as of March 31, 2015, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value: Fair Value Measurements Using Particulars Total Quoted prices in active markets for identical assets (Level 1) Significant other observable inputs (Level 2) Significant (In millions) Trading account securities Rs. 61,292.8 Rs. 0 Rs. 61,292.8 Rs. 0 Securities Available-for-Sale 1,503,708.4 105,008.8 1,382,450.2 16,249.4 Total Rs. 1,565,001.2 Rs. 105,008.8 Rs. 1,443,743.0 Rs. 16,249.4 Total US$ 25,116.5 US$ 1,685.4 US$ 23,170.3 US$ 260.8
Derivative
Fair Value Measured on Recurring Basis	The following table summarizes derivative instruments measured at fair value on a recurring basis as of March 31, 2014, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value: Fair Value Measurements Using Particulars Total Quoted prices in active markets for identical assets (Level 1) Significant other observable inputs (Level 2) Significant unobservable inputs (Level 3) (In millions) Derivative assets Rs. 142,479.3 Rs. 0 Rs. 142,479.3 Rs. 0 Derivative liabilities Rs. 124,176.3 Rs. 0 Rs. 124,176.3 Rs. 0 The following table summarizes derivative instruments measured at fair value on a recurring basis as of March 31, 2015, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value: Fair Value Measurements Using Particulars Total Quoted prices in active markets for identical assets (Level 1) Significant other observable inputs (Level 2) Significant unobservable inputs (Level 3) (In millions) Derivative assets Rs. 72,415.7 Rs. 0 Rs. 72,415.7 Rs. 0 Derivative liabilities Rs. 71,767.5 Rs. 0 Rs. 71,767.5 Rs. 0

Bank Overview - Additional Info

Bank Overview - Additional Information (Detail)		12 Months Ended
		Mar. 31, 2015₨ / sharesshares	Mar. 31, 2014shares	Mar. 31, 2013shares	Mar. 31, 2015$ / shares
Per ADS information (where 1 ADS represents 3 shares)
Nature Of Business [Line Items]
Shares issued		22,000,000
Shares issued, price per share | $ / shares					$ 57.76
Equity Shares
Nature Of Business [Line Items]
Shares issued		66,000,000
Qualified Institutional Placement (QIP)
Nature Of Business [Line Items]
Shares issued		18,744,142
Shares issued, price per share | ₨ / shares		₨ 1,067
Employees Stock Option Scheme
Nature Of Business [Line Items]
Total number of shares issued pursuant to exercise of stock options	[1]	22,700,740	18,903,115	33,459,050
Housing Development Finance Corporation Limited
Nature Of Business [Line Items]
Equity ownership interest of the bank's largest shareholder, Housing Development Finance Corporation Limited and its subsidiaries		21.70%
[1]	As of March 31, 2013 includes 728,290 options exercised, pending allotment of equity shares. As of March 31, 2014 excludes 728,290 options of equity shares allotted which were exercised in previous year.

Summary of Significant Accoun66

Summary of Significant Accounting Policies - Additional Information (Detail) - Mar. 31, 2015 - Entity [Domain] - Segment	Total
Significant Accounting Policies [Line Items]
Reportable segments	3
U.S. Dollars To Indian Rupee
Significant Accounting Policies [Line Items]
Financial statements translation rate, Indian rupees (Rs.) equivalence of U.S. $1	62.31
Retail Loans | Personal loans/Credit card
Significant Accounting Policies [Line Items]
Loans charge off period	150 days
Retail Loans | Auto Loans, Commercial Vehicle and Construction Equipment Finance
Significant Accounting Policies [Line Items]
Loans charge off period	180 days
Retail Loans | Housing loans
Significant Accounting Policies [Line Items]
Loans charge off period	720 days
Retail Loans | Retail Business Banking
Significant Accounting Policies [Line Items]
Loans charge off period	Customer to customer basis
Minimum
Significant Accounting Policies [Line Items]
Bank voting rights or control	50.00%
Bank voting rights	20.00%
Minimum | Retail Loans
Significant Accounting Policies [Line Items]
Loans charge off period	150 days
Maximum
Significant Accounting Policies [Line Items]
Bank voting rights	50.00%
Maximum | Retail Loans
Significant Accounting Policies [Line Items]
Loans charge off period	1083 days

Depreciation Rate Over Estimate

Depreciation Rate Over Estimated Useful Lives of Fixed Assets on Straight-Line Basis (Detail)	12 Months Ended
	Mar. 31, 2015
Premises
Property, Plant and Equipment [Line Items]
Rate of depreciation	1.63%
Software and systems
Property, Plant and Equipment [Line Items]
Rate of depreciation	20.00%
Equipment and furniture | Minimum
Property, Plant and Equipment [Line Items]
Rate of depreciation	10.00%
Equipment and furniture | Maximum
Property, Plant and Equipment [Line Items]
Rate of depreciation	33.33%

Amortization of Intangible Asse

Amortization of Intangible Assets (Detail)	12 Months Ended
	Mar. 31, 2015
Branch network
Acquired Finite-Lived Intangible Assets [Line Items]
Useful lives (years)	6 years
Amortization method	Straight-line
Customer list
Acquired Finite-Lived Intangible Assets [Line Items]
Useful lives (years)	2 years
Amortization method	Straight-line
Core deposit
Acquired Finite-Lived Intangible Assets [Line Items]
Useful lives (years)	5 years
Amortization method	Straight-line
Favorable leases
Acquired Finite-Lived Intangible Assets [Line Items]
Amortization method	Straight-line
Favorable leases | Minimum
Acquired Finite-Lived Intangible Assets [Line Items]
Useful lives (years)	1 year
Favorable leases | Maximum
Acquired Finite-Lived Intangible Assets [Line Items]
Useful lives (years)	15 years

Cash and Cash Equivalents - Add

Cash and Cash Equivalents - Additional Information (Detail) - Reserve Bank of India RBI ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Restricted Cash and Cash Equivalents Items [Line Items]
Cash and cash equivalents, balance maintained with the RBI to meet the Bank's cash reserve ratio requirement	₨ 221,889.6	$ 3,561.1	₨ 214,951.3
Cash and cash equivalents, description of cash reserve ratio requirement	The cash reserve ratio has to be maintained on an average basis for a two-week period and should not fall below 95% of the required cash reserve ratio on any particular day.

Term Placements - Additional In

Term Placements - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Other Significant Noncash Transactions [Line Items]
Term placements, original maturities, minimum (in months)	3 months
Term placements, original maturities, maximum (in years)	15 years
Term placements, restricted term placements	₨ 134.3	$ 2.2	₨ 123.7

Portfolio of Trading Securities

Portfolio of Trading Securities (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Schedule of Trading Securities and Other Trading Assets [Line Items]
Amortized Cost	₨ 61,239.5	$ 982.8	₨ 65,308.4
Gross Unrealized Gains	53.5	0.9	15.9
Gross Unrealized Losses	0.2	0	246.4
Fair Value	61,292.8	$ 983.7	65,077.9
Debt Securities
Schedule of Trading Securities and Other Trading Assets [Line Items]
Amortized Cost	61,239.5		65,283.2
Gross Unrealized Gains	53.5		15.2
Gross Unrealized Losses	0.2		246.3
Fair Value	61,292.8		65,052.1
Debt Securities | Government of India securities
Schedule of Trading Securities and Other Trading Assets [Line Items]
Amortized Cost	60,239.5		56,409
Gross Unrealized Gains	53.5		3.5
Gross Unrealized Losses	0.2		191.1
Fair Value	60,292.8		56,221.4
Debt Securities | Other corporate/financial institution securities
Schedule of Trading Securities and Other Trading Assets [Line Items]
Amortized Cost	1,000		8,874.2
Gross Unrealized Gains	0		11.7
Gross Unrealized Losses	0		55.2
Fair Value	1,000		8,830.7
Equity securities
Schedule of Trading Securities and Other Trading Assets [Line Items]
Amortized Cost	0		25.2
Gross Unrealized Gains	0		0.7
Gross Unrealized Losses	0		0.1
Fair Value	₨ 0		₨ 25.8

Portfolio of Available for Sale

Portfolio of Available for Sale Securities (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	₨ 1,489,085.4	$ 23,898.1	₨ 927,284.9
Gross Unrealized Gains	17,201.5	276.1	1,749.8
Gross Unrealized Losses	1,874.1	30.1	20,210.4
Fair Value	1,504,412.8	24,144.1	908,824.3
Debt securities, other than asset and mortgage-backed securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	1,463,503		910,312.2
Gross Unrealized Gains	16,330.3		1,163.9
Gross Unrealized Losses	1,421.6		19,796.2
Fair Value	1,478,411.7	$ 23,726.6	891,679.9
Debt securities, other than asset and mortgage-backed securities | Government of India securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	1,151,520.7		839,248.3
Gross Unrealized Gains	13,843.3		919.1
Gross Unrealized Losses	1,242.7		19,762.5
Fair Value	1,164,121.3		820,404.9
Debt securities, other than asset and mortgage-backed securities | State government securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	54,134.6		161.8
Gross Unrealized Gains	2,074.4		0
Gross Unrealized Losses	0		0.9
Fair Value	56,209		160.9
Debt securities, other than asset and mortgage-backed securities | Fair Values Of Credit Substitutes
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	194,992.4		65,001.6
Gross Unrealized Gains	243.9		177
Gross Unrealized Losses	177.4		31.5
Fair Value	195,058.9		65,147.1
Debt securities, other than asset and mortgage-backed securities | Other corporate/financial institution bonds
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	6,555.1		4,979.2
Gross Unrealized Gains	83.3		61.8
Gross Unrealized Losses	1.5		1.3
Fair Value	6,636.9		5,039.7
Debt securities, other than asset and mortgage-backed securities | Certificates of Deposit
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	56,300.2		921.3
Gross Unrealized Gains	85.4		6
Gross Unrealized Losses	0		0
Fair Value	56,385.6		927.3
Mortgage-backed securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	1,282		1,743.2
Gross Unrealized Gains	50.1		91.5
Gross Unrealized Losses	0		0.3
Fair Value	1,332.1		1,834.4
Asset-backed securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	23,512.3		14,442.1
Gross Unrealized Gains	223.2		211.2
Gross Unrealized Losses	452.2		409.9
Fair Value	23,283.3		14,243.4
Other securities (including mutual fund units)
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	788.1		787.4
Gross Unrealized Gains	597.9		283.2
Gross Unrealized Losses	0.3		4
Fair Value	1,385.7		1,066.6
Securities with gross unrealized losses
Schedule of Available-for-sale Securities [Line Items]
Fair Value	469,004		699,169.1
Securities with gross unrealized gains
Schedule of Available-for-sale Securities [Line Items]
Fair Value	₨ 1,035,408.8		₨ 209,655.2

Investments, Available for Sale

Investments, Available for Sale - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)	Mar. 31, 2013INR (₨)	Mar. 31, 2015USD ($)
Schedule of Available-for-sale Securities [Line Items]
Other than temporary impairment losses on available for sale securities	₨ 1.8	$ 0	₨ 664.7	₨ 1,546.3
Individual investments, fair values of amortized cost	95.00%				95.00%
Available-for-Sale Securities
Schedule of Available-for-sale Securities [Line Items]
Available for sale investments, amount eligible for placement towards the Bank's statutory liquidity ratio requirements	₨ 1,220,330.3		820,565.8		$ 19,584.8
Available for sale investments, amount kept as margins for clearing, collateral borrowing and lending obligation (CBLO) and real time gross settlement (RTGS)	721,933.3		670,603.5		$ 11,586.2
Other than temporary impairment losses on available for sale securities	₨ 1.8		₨ 664.7	₨ 1,546.3

Gross Unrealized Losses and Fai

Gross Unrealized Losses and Fair Value of Available for Sale Securities (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Gain (Loss) on Investments [Line Items]
Less Than 12 Months Fair Value	₨ 191,531.4	$ 3,073.8	₨ 395,004.3
Less Than 12 Months Unrealized Losses	669.3	10.8	11,788.3
12 Months or Greater Fair Value	277,472.6	4,453.1	304,164.8
12 Months or Greater Unrealized Losses	1,204.8	19.3	8,422.1
Fair Value	469,004	7,526.9	699,169.1
Unrealized Losses	1,874.1	$ 30.1	20,210.4
Debt securities, other than asset and mortgage-backed securities
Gain (Loss) on Investments [Line Items]
Less Than 12 Months Fair Value	170,801.4		382,402
Less Than 12 Months Unrealized Losses	216.8		11,374.1
12 Months or Greater Fair Value	277,472.6		304,164.8
12 Months or Greater Unrealized Losses	1,204.8		8,422.1
Fair Value	448,274		686,566.8
Unrealized Losses	1,421.6		19,796.2
Debt securities, other than asset and mortgage-backed securities | Government of India securities
Gain (Loss) on Investments [Line Items]
Less Than 12 Months Fair Value	10,602.4		363,301.9
Less Than 12 Months Unrealized Losses	37.9		11,340.9
12 Months or Greater Fair Value	277,465.1		303,851.6
12 Months or Greater Unrealized Losses	1,204.8		8,421.6
Fair Value	288,067.5		667,153.5
Unrealized Losses	1,242.7		19,762.5
Debt securities, other than asset and mortgage-backed securities | State government securities
Gain (Loss) on Investments [Line Items]
Less Than 12 Months Fair Value	0		123.8
Less Than 12 Months Unrealized Losses	0		0.7
12 Months or Greater Fair Value	7.5		37.1
12 Months or Greater Unrealized Losses	0		0.2
Fair Value	7.5		160.9
Unrealized Losses	0		0.9
Debt securities, other than asset and mortgage-backed securities | Fair Values Of Credit Substitutes
Gain (Loss) on Investments [Line Items]
Less Than 12 Months Fair Value	158,859.4		18,666.2
Less Than 12 Months Unrealized Losses	177.4		31.3
12 Months or Greater Fair Value	0		266.4
12 Months or Greater Unrealized Losses	0		0.2
Fair Value	158,859.4		18,932.6
Unrealized Losses	177.4		31.5
Debt securities, other than asset and mortgage-backed securities | Other corporate/financial institution bonds
Gain (Loss) on Investments [Line Items]
Less Than 12 Months Fair Value	1,339.6		310.1
Less Than 12 Months Unrealized Losses	1.5		1.2
12 Months or Greater Fair Value	0		9.7
12 Months or Greater Unrealized Losses	0		0.1
Fair Value	1,339.6		319.8
Unrealized Losses	1.5		1.3
Mortgage-backed securities
Gain (Loss) on Investments [Line Items]
Less Than 12 Months Fair Value	0		133
Less Than 12 Months Unrealized Losses	0		0.3
12 Months or Greater Fair Value	0		0
12 Months or Greater Unrealized Losses	0		0
Fair Value	0		133
Unrealized Losses	0		0.3
Asset-backed securities
Gain (Loss) on Investments [Line Items]
Less Than 12 Months Fair Value	20,727.1		12,468.3
Less Than 12 Months Unrealized Losses	452.2		409.9
12 Months or Greater Fair Value	0		0
12 Months or Greater Unrealized Losses	0		0
Fair Value	20,727.1		12,468.3
Unrealized Losses	452.2		409.9
Equity securities
Gain (Loss) on Investments [Line Items]
Less Than 12 Months Fair Value	2.9		1
Less Than 12 Months Unrealized Losses	0.3		4
12 Months or Greater Fair Value	0		0
12 Months or Greater Unrealized Losses	0		0
Fair Value	2.9		1
Unrealized Losses	₨ 0.3		₨ 4

Contractual Residual Maturity o

Contractual Residual Maturity of Available for Sale Debt Securities Other Than Asset and Mortgage Backed Securities (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Amortized Cost
Amortized Cost	₨ 1,489,085.4	$ 23,898.1	₨ 927,284.9
Fair Value
Total	1,504,412.8	24,144.1	908,824.3
Debt securities, other than asset and mortgage-backed securities
Amortized Cost
Within one year	692,782.4
Over one year through five years	301,137
Over five years through ten years	367,990.7
Over ten years	101,592.9
Amortized Cost	1,463,503		910,312.2
Fair Value
Within one year	692,821.7	11,118.9
Over one year through five years	302,306	4,851.6
Over five years through ten years	375,802.6	6,031.2
Over ten years	107,481.4	1,724.9
Total	₨ 1,478,411.7	$ 23,726.6	₨ 891,679.9

Contractual Residual Maturity76

Contractual Residual Maturity of Available for Sale Mortgage-Backed and Asset-Backed Securities (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Amortized Cost
Amortized Cost	₨ 1,489,085.4	$ 23,898.1	₨ 927,284.9
Fair Value
Total	1,504,412.8	24,144.1	₨ 908,824.3
Asset and Mortgage Backed Securities
Amortized Cost
Within one year	12,963.8
Over one year through five years	11,007
Over five years through ten years	319.1
Over ten years	504.4
Amortized Cost	24,794.3
Fair Value
Within one year	12,771.8	205
Over one year through five years	10,797.6	173.3
Over five years through ten years	324.5	5.2
Over ten years	721.5	11.6
Total	₨ 24,615.4	$ 395.1

Gross Realized Gains and Gross

Gross Realized Gains and Gross Realized Losses from Sales of Available for Sale Securities and Dividends and Interest on Such Securities (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)	Mar. 31, 2013INR (₨)
Schedule of Available-for-sale Securities [Line Items]
Gross realized gains on sale	₨ 5,484.3	$ 88	₨ 2,378.8	₨ 2,263.6
Gross realized losses on sale	(316.4)	(5.1)	(623.1)	(35.8)
Realized gains (losses), net	5,167.9	82.9	1,755.7	2,227.8
Dividends and interest	94,129.1	1,510.7	77,497.1	66,554.2
Total	₨ 99,297	$ 1,593.6	₨ 79,252.8	₨ 68,782

Fair Values of Credit Substitut

Fair Values of Credit Substitutes by Type of Instrument (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	₨ 1,489,085.4	$ 23,898.1	₨ 927,284.9
Fair Value	1,504,412.8	24,144.1	908,824.3
Debt securities, other than asset and mortgage-backed securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	1,463,503		910,312.2
Fair Value	1,478,411.7	23,726.6	891,679.9
Debt securities, other than asset and mortgage-backed securities | Fair Values Of Credit Substitutes
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	194,992.4	3,129.4	65,001.6
Fair Value	195,058.9	$ 3,130.5	65,147.1
Debt securities, other than asset and mortgage-backed securities | Debentures | Fair Values Of Credit Substitutes
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	14,631.2		23,024
Fair Value	14,860.3		23,115.5
Debt securities, other than asset and mortgage-backed securities | Commercial paper | Fair Values Of Credit Substitutes
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	180,361.2		41,977.6
Fair Value	₨ 180,198.6		₨ 42,031.6

Fair Values of Credit Substit79

Fair Values of Credit Substitutes (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Schedule of Available-for-sale Securities [Line Items]
Total	₨ 1,504,412.8	$ 24,144.1	₨ 908,824.3
Debt securities, other than asset and mortgage-backed securities
Schedule of Available-for-sale Securities [Line Items]
Total	1,478,411.7	23,726.6	891,679.9
Debt securities, other than asset and mortgage-backed securities | Fair Values Of Credit Substitutes
Schedule of Available-for-sale Securities [Line Items]
Pass	195,058.9	3,130.5	55,867.2
Impaired-gross balance	0	0	9,944.5
Less: amounts provided for other than temporary impairments	0	0	664.6
Impaired credit substitutes, net	0	0	9,279.9
Total	₨ 195,058.9	$ 3,130.5	₨ 65,147.1

Impaired Credit Substitutes (De

Impaired Credit Substitutes (Detail) - Debt securities, other than asset and mortgage-backed securities - Fair Values Of Credit Substitutes ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)	Mar. 31, 2015USD ($)
Schedule of Available-for-sale Securities [Line Items]
- on accrual status	₨ 0		₨ 9,944.5	$ 0
- on non-accrual status	0		0	0
Gross impaired credit substitutes	0		9,944.5	0
Gross impaired credit substitutes	0		9,944.5	0
Average impaired credit substitutes	4,972.3	$ 79.8	5,222.3
Interest income recognized on impaired credit substitutes	0	$ 0	672.6
Construction and Developers
Schedule of Available-for-sale Securities [Line Items]
Gross impaired credit substitutes	0		9,944.5	0
Gross impaired credit substitutes	0		9,944.5	0
Others
Schedule of Available-for-sale Securities [Line Items]
Gross impaired credit substitutes	0		0	0
Gross impaired credit substitutes	₨ 0		₨ 0	$ 0

Repurchase and Resell Agreeme81

Repurchase and Resell Agreements - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)	Mar. 31, 2014INR (₨)	Mar. 31, 2015USD ($)
Repurchase Agreement and Resale Agreement Counterparty [Line Items]
Securities purchased under agreements to resell	₨ 1,592.6	₨ 57,322.6	$ 25.6
Securities sold under repurchase agreements, amount outstanding	₨ 50,000	₨ 0	$ 802.4
Maximum
Repurchase Agreement and Resale Agreement Counterparty [Line Items]
Securities purchased under agreements to resell, maturity (days)	14 days	14 days
Securities sold under repurchase agreements, maturity (days)	14 days	14 days

Loans - Additional Information

Loans - Additional Information (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral for borrowings	₨ 192,684.5	$ 3,092.4	₨ 115,777.3

Loans by Facility (Detail)

Loans by Facility (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)	Mar. 31, 2014USD ($)	Mar. 31, 2013INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	₨ 3,943,449.1	$ 63,287.5	₨ 3,228,261.3
Less: Allowance for credit losses	47,334.1	759.6	42,613.2	$ 683.9	₨ 33,694.2
Total	3,896,115	62,527.9	3,185,648.1
Retail Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	2,720,988.5	43,668.5	2,188,337.7
Retail Loans | Consumer Portfolio Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	486,251.7	7,803.8	407,811.6
Retail Loans | Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	449,381.7	7,212	347,393.8
Retail Loans | Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	660,456.7	10,599.5	519,472.2
Retail Loans | Commercial vehicle and construction equipment finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	305,995.4	4,910.9	280,372.2
Retail Loans | Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	241,368.8	3,873.7	193,180.5
Retail Loans | Other Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	577,534.2	9,268.6	440,107.4
Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	₨ 1,222,460.6	$ 19,619	₨ 1,039,923.6

Contractual Residual Maturity84

Contractual Residual Maturity of Gross Loans (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Within one year	₨ 1,470,260.5
Over one year through five years	2,124,149.7
Over five years	349,038.9
Total gross loans	3,943,449.1	$ 63,287.5	₨ 3,228,261.3
Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Within one year	680,287.1
Over one year through five years	442,874.1
Over five years	99,299.4
Total gross loans	1,222,460.6	19,619
Retail Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Within one year	789,973.4
Over one year through five years	1,681,275.6
Over five years	249,739.5
Total gross loans	₨ 2,720,988.5	$ 43,668.5

Gross Loans Analyzed by Perform

Gross Loans Analyzed by Performance (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans	₨ 39,324.8	$ 631.1	₨ 29,686.5
Gross loans	3,943,449.1	63,287.5	3,228,261.3
Performing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	₨ 3,904,124.3	$ 62,656.4	₨ 3,198,574.8

Loan Delinquency and Non-Accrua

Loan Delinquency and Non-Accrual Loans (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	₨ 3,943,449.1	$ 63,287.5	₨ 3,228,261.3
Retail Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	2,720,988.5	43,668.5	2,188,337.7
Retail Loans | Consumer Portfolio Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	486,251.7	7,803.8	407,811.6
Retail Loans | Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	449,381.7	7,212	347,393.8
Retail Loans | Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	660,456.7	10,599.5	519,472.2
Retail Loans | Commercial vehicle and construction equipment finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	305,995.4	4,910.9	280,372.2
Retail Loans | Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	241,368.8	3,873.7	193,180.5
Retail Loans | Other Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	577,534.2	9,268.6	440,107.4
Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	1,222,460.6	19,619	1,039,923.6
Financing Receivable, 31 to 90 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	21,959.6	352.4	21,065.7
Financing Receivable, 31 to 90 Days Past Due | Retail Loans | Consumer Portfolio Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	2,448.7		2,326.2
Financing Receivable, 31 to 90 Days Past Due | Retail Loans | Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	2,361.1		1,940.5
Financing Receivable, 31 to 90 Days Past Due | Retail Loans | Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	5,262.5		3,815.1
Financing Receivable, 31 to 90 Days Past Due | Retail Loans | Commercial vehicle and construction equipment finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	5,389.7		7,500.8
Financing Receivable, 31 to 90 Days Past Due | Retail Loans | Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	68.7		83.2
Financing Receivable, 31 to 90 Days Past Due | Retail Loans | Other Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	5,184.2		3,947.7
Financing Receivable, 31 to 90 Days Past Due | Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	1,244.7		1,452.2
Impaired / 91 days or more past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	39,324.8	631.1	29,686.5
Impaired / 91 days or more past due | Retail Loans | Consumer Portfolio Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	2,718.7		1,845.2
Impaired / 91 days or more past due | Retail Loans | Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	2,648.4		1,984.4
Impaired / 91 days or more past due | Retail Loans | Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	10,012.5		7,104.6
Impaired / 91 days or more past due | Retail Loans | Commercial vehicle and construction equipment finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	5,559.4		6,207.8
Impaired / 91 days or more past due | Retail Loans | Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	242.7		205.8
Impaired / 91 days or more past due | Retail Loans | Other Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	4,653.5		3,580.5
Impaired / 91 days or more past due | Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	13,489.6		8,758.2
Total current or less than 31 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	3,882,164.7	$ 62,304	3,177,509.1
Total current or less than 31 days past due | Retail Loans | Consumer Portfolio Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	481,084.3		403,640.2
Total current or less than 31 days past due | Retail Loans | Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	444,372.2		343,468.9
Total current or less than 31 days past due | Retail Loans | Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	645,181.7		508,552.5
Total current or less than 31 days past due | Retail Loans | Commercial vehicle and construction equipment finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	295,046.3		266,663.6
Total current or less than 31 days past due | Retail Loans | Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	241,057.4		192,891.5
Total current or less than 31 days past due | Retail Loans | Other Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	567,696.5		432,579.2
Total current or less than 31 days past due | Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	₨ 1,207,726.3		₨ 1,029,713.2

Grading Indicators Related to B

Grading Indicators Related to Bank's Retail Loans and Wholesale Loans (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	₨ 3,943,449.1	$ 63,287.5	₨ 3,228,261.3
Performing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	3,904,124.3	62,656.4	3,198,574.8
Retail Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	2,720,988.5	43,668.5	2,188,337.7
Retail Loans | Performing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	2,695,153.3		2,167,409.4
Retail Loans | Impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	25,835.2		20,928.3
Retail Loans | Consumer Portfolio Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	486,251.7	7,803.8	407,811.6
Retail Loans | Consumer Portfolio Segment | Performing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	483,533		405,966.4
Retail Loans | Consumer Portfolio Segment | Impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	2,718.7		1,845.2
Retail Loans | Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	449,381.7	7,212	347,393.8
Retail Loans | Personal loans/Credit card | Performing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	446,733.3		345,409.4
Retail Loans | Personal loans/Credit card | Impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	2,648.4		1,984.4
Retail Loans | Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	660,456.7	10,599.5	519,472.2
Retail Loans | Retail Business Banking | Performing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	650,444.2		512,367.6
Retail Loans | Retail Business Banking | Impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	10,012.5		7,104.6
Retail Loans | Commercial vehicle and construction equipment finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	305,995.4	4,910.9	280,372.2
Retail Loans | Commercial vehicle and construction equipment finance | Performing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	300,436		274,164.4
Retail Loans | Commercial vehicle and construction equipment finance | Impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	5,559.4		6,207.8
Retail Loans | Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	241,368.8	3,873.7	193,180.5
Retail Loans | Housing loans | Performing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	241,126.1		192,974.7
Retail Loans | Housing loans | Impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	242.7		205.8
Retail Loans | Other Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	577,534.2	9,268.6	440,107.4
Retail Loans | Other Loan | Performing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	572,880.7		436,526.9
Retail Loans | Other Loan | Impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	4,653.5		3,580.5
Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	1,222,460.6	19,619	1,039,923.6
Wholesale loans | Impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	13,489.6	216.5	8,758.2
Wholesale loans | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	1,205,084.8	19,340.2	1,029,884.6
Wholesale loans | Labeled
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	₨ 3,886.2	$ 62.3	₨ 1,280.8

Impaired Loans Where Bank is Pr

Impaired Loans Where Bank is Probable that it will not Collect all Amounts due According to Original Contractual Terms of Loans (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)	Mar. 31, 2015USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded investments	₨ 39,324.8		₨ 29,686.5	$ 631.1
Unpaid principal balance	39,324.8		29,686.5	631.1
Related specific allowance	24,709		20,649.2	396.5
Average recorded investments	34,505.8	$ 553.8	25,409.5
Finance receivable on non-accrual status	36,893.6		29,414.7	$ 592.1
Retail Loans | Consumer Portfolio Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded investments	2,718.7		1,845.2
Unpaid principal balance	2,718.7		1,845.2
Related specific allowance	1,226		796.1
Average recorded investments	2,282		1,542
Finance receivable on non-accrual status	2,718.7		1,845.2
Retail Loans | Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded investments	2,648.4		1,984.4
Unpaid principal balance	2,648.4		1,984.4
Related specific allowance	1,634		1,267.3
Average recorded investments	2,316.4		1,767.5
Finance receivable on non-accrual status	2,648.4		1,984.4
Retail Loans | Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded investments	10,012.5		7,104.6
Unpaid principal balance	10,012.5		7,104.6
Related specific allowance	7,105.6		5,598.1
Average recorded investments	8,558.6		6,447.4
Finance receivable on non-accrual status	9,723.4		6,978.2
Retail Loans | Commercial vehicle and construction equipment finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded investments	5,559.4		6,207.8
Unpaid principal balance	5,559.4		6,207.8
Related specific allowance	3,630.6		3,472.9
Average recorded investments	5,883.6		4,932.9
Finance receivable on non-accrual status	5,559.4		6,207.8
Retail Loans | Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded investments	242.7		205.8
Unpaid principal balance	242.7		205.8
Related specific allowance	127.4		116.7
Average recorded investments	224.3		236.9
Finance receivable on non-accrual status	242.7		205.8
Retail Loans | Other Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded investments	4,653.5		3,580.5
Unpaid principal balance	4,653.5		3,580.5
Related specific allowance	2,901.6		2,082
Average recorded investments	4,117		2,827.2
Finance receivable on non-accrual status	4,653.5		3,580.5
Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded investments	13,489.6		8,758.2
Unpaid principal balance	13,489.6		8,758.2
Related specific allowance	8,083.8		7,316.1
Average recorded investments	11,123.9		7,655.6
Finance receivable on non-accrual status	₨ 11,347.5		₨ 8,612.8

Impaired Loans (Detail)

Impaired Loans (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans	₨ 39,324.8	$ 631.1	₨ 29,686.5
Land Transport
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans			2,077.9
Iron and Steel
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans	4,793.8	76.9	1,811.8
Others (none greater than 5% of impaired loans)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans	23,161.2	371.7	₨ 25,796.8
Activities allied to agriculture
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans	5,369.3	86.2
Wholesale
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans	3,608.2	57.9
Consumer Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans	₨ 2,392.3	$ 38.4

Summary Information Relating to

Summary Information Relating to Impaired Loans (Detail) - Gross Loans ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)	Mar. 31, 2013INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Average impaired loans, net of allowance	₨ 11,826.6	$ 189.8	₨ 6,851.3	₨ 4,191.7
Interest income recognized on impaired loans	₨ 1,898	$ 30.5	₨ 1,664.7	₨ 1,647.8

Allowance for Credit Losses (De

Allowance for Credit Losses (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)		Mar. 31, 2015USD ($)		Mar. 31, 2014INR (₨)		Mar. 31, 2015USD ($)
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses, beginning of the period	₨ 42,613.2		$ 683.9		₨ 33,694.2
Write-offs	(19,804)		(317.8)		(14,909.1)
Net allowance for credit losses	24,524.9	[1]	393.5	[1]	23,828.1	[2]
Allowance for credit losses, end of the period	47,334.1		$ 759.6		42,613.2
Allowance for credit losses:
Allowance individually evaluated for impairment	8,083.8				7,316.1		$ 129.7
Allowance collectively evaluated for impairment	39,250.3				35,297.1		629.9
Loans:
Loans individually evaluated for impairment	13,489.6				8,758.2		216.5
Loans collectively evaluated for impairment	3,929,959.5				3,219,503.1		$ 63,071
Specific allowance for credit losses | Retail Loans | Consumer Portfolio Segment
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses, beginning of the period	796.1				556.7
Write-offs	(2,858.9)				(2,150.4)
Net allowance for credit losses	3,288.8	[1]			2,389.8	[2]
Allowance for credit losses, end of the period	1,226				796.1
Allowance for credit losses:
Allowance individually evaluated for impairment	0				0
Allowance collectively evaluated for impairment	1,226				796.1
Loans:
Loans individually evaluated for impairment	0				0
Loans collectively evaluated for impairment	2,718.7				1,845.2
Specific allowance for credit losses | Retail Loans | Personal loans/Credit card
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses, beginning of the period	1,267.3				1,067.1
Write-offs	(7,418.1)				(5,748.9)
Net allowance for credit losses	7,784.8	[1]			5,949.1	[2]
Allowance for credit losses, end of the period	1,634				1,267.3
Allowance for credit losses:
Allowance individually evaluated for impairment	0				0
Allowance collectively evaluated for impairment	1,634				1,267.3
Loans:
Loans individually evaluated for impairment	0				0
Loans collectively evaluated for impairment	2,648.4				1,984.4
Specific allowance for credit losses | Retail Loans | Retail Business Banking
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses, beginning of the period	5,598.1				5,058.2
Write-offs	(380.8)				(93.7)
Net allowance for credit losses	1,888.3	[1]			633.6	[2]
Allowance for credit losses, end of the period	7,105.6				5,598.1
Allowance for credit losses:
Allowance individually evaluated for impairment	0				0
Allowance collectively evaluated for impairment	7,105.6				5,598.1
Loans:
Loans individually evaluated for impairment	0				0
Loans collectively evaluated for impairment	10,012.5				7,104.6
Specific allowance for credit losses | Retail Loans | Commercial vehicle and construction equipment finance
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses, beginning of the period	3,472.9				2,094.4
Write-offs	(4,327.8)				(5,014.1)
Net allowance for credit losses	4,485.5	[1]			6,392.6	[2]
Allowance for credit losses, end of the period	3,630.6				3,472.9
Allowance for credit losses:
Allowance individually evaluated for impairment	0				0
Allowance collectively evaluated for impairment	3,630.6				3,472.9
Loans:
Loans individually evaluated for impairment	0				0
Loans collectively evaluated for impairment	5,559.4				6,207.8
Specific allowance for credit losses | Retail Loans | Housing loans
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses, beginning of the period	116.7				185
Write-offs	(9.2)				(21.3)
Net allowance for credit losses	19.9	[1]			(47)	[2]
Allowance for credit losses, end of the period	127.4				116.7
Allowance for credit losses:
Allowance individually evaluated for impairment	0				0
Allowance collectively evaluated for impairment	127.4				116.7
Loans:
Loans individually evaluated for impairment	0				0
Loans collectively evaluated for impairment	242.7				205.8
Specific allowance for credit losses | Retail Loans | Other Loan
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses, beginning of the period	2,082				1,751
Write-offs	(1,328.8)				(1,166.2)
Net allowance for credit losses	2,148.4	[1]			1,497.2	[2]
Allowance for credit losses, end of the period	2,901.6				2,082
Allowance for credit losses:
Allowance individually evaluated for impairment	0				0
Allowance collectively evaluated for impairment	2,901.6				2,082
Loans:
Loans individually evaluated for impairment	0				0
Loans collectively evaluated for impairment	4,653.5				3,580.5
Specific allowance for credit losses | Wholesale loans
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses, beginning of the period	7,316.1				5,754.5
Write-offs	(3,480.4)				(714.5)
Net allowance for credit losses	4,248.1	[1]			2,276.1	[2]
Allowance for credit losses, end of the period	8,083.8				7,316.1
Allowance for credit losses:
Allowance individually evaluated for impairment	8,083.8				7,316.1
Allowance collectively evaluated for impairment	0				0
Loans:
Loans individually evaluated for impairment	13,489.6				8,758.2
Loans collectively evaluated for impairment	0				0
Unallocated allowance for credit losses | Retail Loans
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses, beginning of the period	19,225.5				14,731.6
Net allowance for credit losses	151.2	[1]			4,493.9	[2]
Allowance for credit losses, end of the period	19,376.7				19,225.5
Allowance for credit losses:
Allowance individually evaluated for impairment	0				0
Allowance collectively evaluated for impairment	19,376.7				19,225.5
Loans:
Loans individually evaluated for impairment	0				0
Loans collectively evaluated for impairment	2,695,153.3				2,167,409.4
Unallocated allowance for credit losses | Wholesale loans
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses, beginning of the period	2,738.5				2,495.7
Net allowance for credit losses	509.9	[1]			242.8	[2]
Allowance for credit losses, end of the period	3,248.4				2,738.5
Allowance for credit losses:
Allowance individually evaluated for impairment	0				0
Allowance collectively evaluated for impairment	3,248.4				2,738.5
Loans:
Loans individually evaluated for impairment	0				0
Loans collectively evaluated for impairment	₨ 1,208,971				₨ 1,031,165.4
[1]	Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 7,524.7 million.
[2]	Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 6,400.0 million.

Allowance for Credit Losses (Pa

Allowance for Credit Losses (Parenthetical) (Detail) - INR (₨) ₨ in Millions	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Cash recoveries, recoveries against write off cases	₨ 7,524.7	₨ 6,400

Troubled Debt Restructurings Mo

Troubled Debt Restructurings Modifications (Detail) ₨ in Millions, $ in Millions		12 Months Ended
		Mar. 31, 2015INR (₨)		Mar. 31, 2015USD ($)	[1]	Mar. 31, 2014INR (₨)		Mar. 31, 2015USD ($)	[1]
Financing Receivable, Modifications [Line Items]
TDR modifications carrying value		₨ 2,194.8	[1]			₨ 250.9	[2]	$ 35.2
Balance of Principal Forgiven		0	[1]	$ 0		0	[2]
Net P&L impact	[3]	185.8	[1]	$ 3		154.8	[2]
Retail Business Banking
Financing Receivable, Modifications [Line Items]
TDR modifications carrying value		257.5				83.9
Balance of Principal Forgiven		0				0
Net P&L impact	[3]	9.8				7.8
Wholesale loans
Financing Receivable, Modifications [Line Items]
TDR modifications carrying value		1,937.3				167
Balance of Principal Forgiven		0				0
Net P&L impact	[3]	176				147
Financing Receivable Troubled Debt Restructurings Changes in Amount of Principal Payments
Financing Receivable, Modifications [Line Items]
TDR modifications carrying value	[4]	0	[1]			0	[2]	0
Financing Receivable Troubled Debt Restructurings Changes in Amount of Principal Payments | Retail Business Banking
Financing Receivable, Modifications [Line Items]
TDR modifications carrying value	[4]	0				0
Financing Receivable Troubled Debt Restructurings Changes in Amount of Principal Payments | Wholesale loans
Financing Receivable, Modifications [Line Items]
TDR modifications carrying value	[4]	0				0
Financing Receivable Troubled Debt Restructurings Changes in Amount of Interest Payments
Financing Receivable, Modifications [Line Items]
TDR modifications carrying value	[5]	2,194.8	[1]			250.9	[2]	35.2
Financing Receivable Troubled Debt Restructurings Changes in Amount of Interest Payments | Retail Business Banking
Financing Receivable, Modifications [Line Items]
TDR modifications carrying value	[5]	257.5				83.9
Financing Receivable Troubled Debt Restructurings Changes in Amount of Interest Payments | Wholesale loans
Financing Receivable, Modifications [Line Items]
TDR modifications carrying value	[5]	1,937.3				167
Financing Receivable Troubled Debt Restructurings Changes in Amount of Principal and Interest Payments
Financing Receivable, Modifications [Line Items]
TDR modifications carrying value		0	[1]			0	[2]	$ 0
Financing Receivable Troubled Debt Restructurings Changes in Amount of Principal and Interest Payments | Retail Business Banking
Financing Receivable, Modifications [Line Items]
TDR modifications carrying value		0				0
Financing Receivable Troubled Debt Restructurings Changes in Amount of Principal and Interest Payments | Wholesale loans
Financing Receivable, Modifications [Line Items]
TDR modifications carrying value		₨ 0				₨ 0
[1]	TDR modification during the year ended March 31, 2015 comprised of six cases.
[2]	TDR modification during the year ended March 31, 2014 comprised of four cases.
[3]	Balances reflect charge-offs and/or allowance for credit losses and/or income not recognized/deferred
[4]	TDRs involving changes in the amount of principal payment may include principal forgiveness or deferral of periodic and/or final principal payments.
[5]	TDRs involving changes in the amount of interest payments may involve a reduction in interest rate.

Troubled Debt Restructurings th

Troubled Debt Restructurings that Have Defaulted (Detail) - 12 months ended Mar. 31, 2015 ₨ in Millions, $ in Millions	INR (₨)	USD ($)
Financing Receivable, Modifications [Line Items]
Recorded investment of defaults	₨ 151.7	$ 2.4
Retail Business Banking
Financing Receivable, Modifications [Line Items]
Recorded investment of defaults	72.2
Wholesale loans
Financing Receivable, Modifications [Line Items]
Recorded investment of defaults	₨ 79.5

Interest on Loans by Facility (

Interest on Loans by Facility (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)	Mar. 31, 2013INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Interest on loans	₨ 388,264.7	$ 6,231.2	₨ 326,755.3	₨ 271,730.5
Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Interest on loans	105,465.8	1,692.6	93,448.1	82,159.2
Retail Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Interest on loans	₨ 282,798.9	$ 4,538.6	₨ 233,307.2	₨ 189,571.3

Sales Transfer of Receivables (

Sales Transfer of Receivables (Detail) - Performing ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)	Mar. 31, 2013INR (₨)
Cash flow information
Collections against securitized receivables/transfers	₨ 903.6	$ 14.5	₨ 1,771.9	₨ 1,946
Payments made	832.5	13.4	1,537.7	1,819.6
Cash flows on retained interests	₨ 69.3	$ 1.1	₨ 223.1	₨ 128.6

Other Key Disclosures (Detail)

Other Key Disclosures (Detail) - Finance Receivable Held by Special Purpose Entities, Transferees ₨ in Millions, $ in Millions		Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Securitization or Asset-backed Financing Arrangement, Financial Asset for which Transfer is Accounted as Sale [Line Items]
Transferred receivables with continuing involvement	[1]	₨ 1,670.3	$ 26.8	₨ 2,250.7
Delinquencies		296	4.8	240.4
Credit losses		220.5	3.5	173.5
Retained interest in sold receivables		₨ 64.3	$ 1	₨ 102.7
[1]	Includes less than Rs. 0.1 million held by SPEs as of March 31, 2014 and nil as of March 31, 2015.

Other Key Disclosures (Parenthe

Other Key Disclosures (Parenthetical) (Detail) - INR (₨) ₨ in Millions	Mar. 31, 2015	Mar. 31, 2014
Maximum | Finance Receivable Held by Special Purpose Entities, Transferees
Securitization or Asset-backed Financing Arrangement, Financial Asset for which Transfer is Accounted as Sale [Line Items]
Transferred receivables with continuing involvement		₨ 0.1

Fair Value of Retained Interest

Fair Value of Retained Interests (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Annual prepayment rate:
Impact of 10% adverse change	₨ 6.7	$ 0.1	₨ 9.2
Impact of 20% adverse change	12.7	0.2	17.5
Expected credit losses:
Impact of 10% adverse change	6.6	0.1	10
Impact of 20% adverse change	₨ 13.2	$ 0.2	₨ 20

Concentrations of Credit Ris100

Concentrations of Credit Risk (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)	Mar. 31, 2014INR (₨)	Mar. 31, 2015USD ($)
Concentration Risk [Line Items]
Gross loans	₨ 3,943,449.1	₨ 3,228,261.3	$ 63,287.5
Fair Value Of Credit Substitutes	195,058.9	65,147.1
Non-funded exposure	628,002.3	584,038.6
Total Exposure	₨ 4,766,510.3	₨ 3,877,447	76,496.9
Lender Concentration Risk
Concentration Risk [Line Items]
%	100.00%	100.00%
Consumer Loans
Concentration Risk [Line Items]
Gross loans	₨ 479,467.5
Fair Value Of Credit Substitutes	0
Non-funded exposure	17.6
Total Exposure	₨ 479,485.1		7,695.2
Consumer Loans | Lender Concentration Risk
Concentration Risk [Line Items]
%	10.10%
Activities allied to agriculture
Concentration Risk [Line Items]
Gross loans	₨ 422,894.4	₨ 155,559.1
Fair Value Of Credit Substitutes	0	0
Non-funded exposure	1,697.6	562.2
Total Exposure	₨ 424,592	₨ 156,121.3	6,814.2
Activities allied to agriculture | Lender Concentration Risk
Concentration Risk [Line Items]
%	8.90%	4.00%
Wholesale Trade
Concentration Risk [Line Items]
Gross loans	₨ 308,806.4	₨ 235,711.9
Fair Value Of Credit Substitutes	5,259.8	99.9
Non-funded exposure	31,745.5	26,849.8
Total Exposure	₨ 345,811.7	₨ 262,661.6	5,549.9
Wholesale Trade | Lender Concentration Risk
Concentration Risk [Line Items]
%	7.30%	6.80%
Services
Concentration Risk [Line Items]
Gross loans	₨ 230,040.6	₨ 96,238.8
Fair Value Of Credit Substitutes	445.9	341.8
Non-funded exposure	15,511.7	17,496.5
Total Exposure	₨ 245,998.2	₨ 114,077.1	3,948
Services | Lender Concentration Risk
Concentration Risk [Line Items]
%	5.20%	2.90%
Automobile and Auto Ancillary
Concentration Risk [Line Items]
Gross loans	₨ 192,017.4	₨ 145,886.7
Fair Value Of Credit Substitutes	23,046.5	5,067.8
Non-funded exposure	16,357.7	13,878.2
Total Exposure	₨ 231,421.6	₨ 164,832.7	3,714
Automobile and Auto Ancillary | Lender Concentration Risk
Concentration Risk [Line Items]
%	4.90%	4.30%
Retail Trade
Concentration Risk [Line Items]
Gross loans	₨ 189,593.5	₨ 90,086.2
Fair Value Of Credit Substitutes	841.2	0
Non-funded exposure	4,761.4	3,121.6
Total Exposure	₨ 195,196.1	₨ 93,207.8	3,132.7
Retail Trade | Lender Concentration Risk
Concentration Risk [Line Items]
%	4.10%	2.40%
Coal & Petroleum Products
Concentration Risk [Line Items]
Gross loans	₨ 40,153.4	₨ 69,725.4
Fair Value Of Credit Substitutes	5,984.5	0
Non-funded exposure	111,908.1	62,589.9
Total Exposure	₨ 158,046	₨ 132,315.3	2,536.4
Coal & Petroleum Products | Lender Concentration Risk
Concentration Risk [Line Items]
%	3.30%	3.40%
NBFC/Financial Intermediaries
Concentration Risk [Line Items]
Gross loans	₨ 94,744.7	₨ 57,796.1
Fair Value Of Credit Substitutes	59,985.8	23,196.9
Non-funded exposure	1,876.5	2,217.1
Total Exposure	₨ 156,607	₨ 83,210.1	2,513.4
NBFC/Financial Intermediaries | Lender Concentration Risk
Concentration Risk [Line Items]
%	3.30%	2.10%
Food And Beverage
Concentration Risk [Line Items]
Gross loans	₨ 121,172.2	₨ 99,588
Fair Value Of Credit Substitutes	7,040.2	1,000.6
Non-funded exposure	6,734.9	6,182.8
Total Exposure	₨ 134,947.3	₨ 106,771.4	2,165.7
Food And Beverage | Lender Concentration Risk
Concentration Risk [Line Items]
%	2.80%	2.80%
Land Transport
Concentration Risk [Line Items]
Gross loans	₨ 131,240.2	₨ 150,177.4
Fair Value Of Credit Substitutes	522.1	0
Non-funded exposure	2,668.8	2,398.4
Total Exposure	₨ 134,431.1	₨ 152,575.8	2,157.5
Land Transport | Lender Concentration Risk
Concentration Risk [Line Items]
%	2.80%	3.90%
Power
Concentration Risk [Line Items]
Gross loans	₨ 96,169.7	₨ 70,980.3
Fair Value Of Credit Substitutes	15,846.8	1,489.4
Non-funded exposure	18,570.3	14,572.6
Total Exposure	₨ 130,586.8	₨ 87,042.3	2,095.8
Power | Lender Concentration Risk
Concentration Risk [Line Items]
%	2.70%	2.20%
Engineering
Concentration Risk [Line Items]
Gross loans	₨ 79,747.2	₨ 57,349.9
Fair Value Of Credit Substitutes	1,077.1	0
Non-funded exposure	48,819.8	38,982.2
Total Exposure	₨ 129,644.1	₨ 96,332.1	2,080.6
Engineering | Lender Concentration Risk
Concentration Risk [Line Items]
%	2.70%	2.50%
Real Estate & Property Services
Concentration Risk [Line Items]
Gross loans	₨ 88,264.9
Fair Value Of Credit Substitutes	3,607
Non-funded exposure	11,179.6
Total Exposure	₨ 103,051.5		1,653.9
Real Estate & Property Services | Lender Concentration Risk
Concentration Risk [Line Items]
%	2.20%
Iron and Steel
Concentration Risk [Line Items]
Gross loans	₨ 84,913.9	₨ 82,959.4
Fair Value Of Credit Substitutes	1,475.8	2,323.8
Non-funded exposure	15,927.1	19,958
Total Exposure	₨ 102,316.8	₨ 105,241.2	1,642.1
Iron and Steel | Lender Concentration Risk
Concentration Risk [Line Items]
%	2.10%	2.70%
Others (none greater than 2%)
Concentration Risk [Line Items]
Gross loans	₨ 1,384,223.1	₨ 1,897,191.4
Fair Value Of Credit Substitutes	69,926.2	31,626.9
Non-funded exposure	340,225.7	245,854.3
Total Exposure	₨ 1,794,375	₨ 2,174,672.6	$ 28,797.5
Others (none greater than 2%) | Lender Concentration Risk
Concentration Risk [Line Items]
%	37.60%	56.20%
Banks and Financial Institutions
Concentration Risk [Line Items]
Gross loans		₨ 19,010.7
Fair Value Of Credit Substitutes		0
Non-funded exposure		129,375
Total Exposure		₨ 148,385.7
Banks and Financial Institutions | Lender Concentration Risk
Concentration Risk [Line Items]
%		3.80%

Exposures to Ten Largest Borrow

Exposures to Ten Largest Borrowers Computed as per RBI Guidelines, Based on Higher of Outstanding Balance or Limit on Loans, Investments (Including Credit Substitutes) and Non-Funded Exposures (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Concentration Risk [Line Items]
Total Exposure	₨ 4,766,510.3	$ 76,496.9	₨ 3,877,447
Borrower 1
Concentration Risk [Line Items]
Total Exposure	122,795.5	1,970.7	121,954.2
Borrower 1 | Funded Exposure
Concentration Risk [Line Items]
Total Exposure	122,505		121,804.1
Borrower 1 | Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	290.5		150.1
Borrower 2
Concentration Risk [Line Items]
Total Exposure	81,088.7	1,301.4	75,240.2
Borrower 2 | Funded Exposure
Concentration Risk [Line Items]
Total Exposure	25,516.9		39,740.2
Borrower 2 | Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	55,571.8		35,500
Borrower 3
Concentration Risk [Line Items]
Total Exposure	72,117.2	1,157.4	65,071.3
Borrower 3 | Funded Exposure
Concentration Risk [Line Items]
Total Exposure	22,117.2		42,582.3
Borrower 3 | Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	50,000		22,489
Borrower 4
Concentration Risk [Line Items]
Total Exposure	65,016.3	1,043.4	42,516.5
Borrower 4 | Funded Exposure
Concentration Risk [Line Items]
Total Exposure	65,000		26,948.1
Borrower 4 | Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	16.3		15,568.4
Borrower 5
Concentration Risk [Line Items]
Total Exposure	45,708.4	733.6	42,500
Borrower 5 | Funded Exposure
Concentration Risk [Line Items]
Total Exposure	23,919.4		42,500
Borrower 5 | Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	21,789		0
Borrower 6
Concentration Risk [Line Items]
Total Exposure	40,613.7	651.8	36,074
Borrower 6 | Funded Exposure
Concentration Risk [Line Items]
Total Exposure	38,545.2		12,469.1
Borrower 6 | Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	2,068.5		23,604.9
Borrower 7
Concentration Risk [Line Items]
Total Exposure	35,094.8	563.2	30,000
Borrower 7 | Funded Exposure
Concentration Risk [Line Items]
Total Exposure	496.1		30,000
Borrower 7 | Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	34,598.7		0
Borrower 8
Concentration Risk [Line Items]
Total Exposure	35,000	561.7	29,639.2
Borrower 8 | Funded Exposure
Concentration Risk [Line Items]
Total Exposure	35,000		27,400
Borrower 8 | Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	0		2,239.2
Borrower 9
Concentration Risk [Line Items]
Total Exposure	30,647.5	491.9	26,984.1
Borrower 9 | Funded Exposure
Concentration Risk [Line Items]
Total Exposure	15,512.9		26,980.8
Borrower 9 | Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	15,134.6		3.3
Borrower 10
Concentration Risk [Line Items]
Total Exposure	30,465.9	$ 488.9	26,764.8
Borrower 10 | Funded Exposure
Concentration Risk [Line Items]
Total Exposure	15,338		18,797.6
Borrower 10 | Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	₨ 15,127.9		₨ 7,967.2

Property and Equipment by Asset

Property and Equipment by Asset Category (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Property, Plant and Equipment [Line Items]
Land and premises	₨ 15,339	$ 246.2	₨ 14,659.9
Software and systems	16,123.2	258.8	13,150.2
Equipment and furniture	49,270.1	790.7	44,907.5
Property and equipment, at cost	80,732.3	1,295.7	72,717.6
Less: Accumulated depreciation	47,376.4	760.4	41,348.5
Property and equipment, net	₨ 33,355.9	$ 535.3	₨ 31,369.1

Property and Equipment - Additi

Property and Equipment - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)	Mar. 31, 2013INR (₨)
Property, Plant and Equipment [Line Items]
Depreciation and amortization	₨ 6,905.8	$ 110.8	₨ 6,980.3	₨ 6,686.2

Goodwill and Other Intangibl104

Goodwill and Other Intangible Assets - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)	Mar. 31, 2013INR (₨)	Mar. 31, 2015USD ($)
Goodwill and Intangible Assets Disclosure [Line Items]
Goodwill	₨ 74,937.9		₨ 74,937.9		$ 1,202.7
Amortization of intangible assets	₨ 219	$ 3.5	₨ 1,538.5	₨ 2,304.5

Gross Carrying Amount, Accumula

Gross Carrying Amount, Accumulated Amortization and Net Carrying Amount, in Total and by Major Class of Intangible Assets (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Acquired Finite-Lived Intangible Assets [Line Items]
Gross carrying amount	₨ 16,002		₨ 16,002
Accumulated amortization	15,990		15,771
Net carrying amount	12	$ 0.2	231
Branch network
Acquired Finite-Lived Intangible Assets [Line Items]
Gross carrying amount	8,335		8,335
Accumulated amortization	8,335		8,133
Net carrying amount	0	0	202
Customer list
Acquired Finite-Lived Intangible Assets [Line Items]
Gross carrying amount	2,710		2,710
Accumulated amortization	2,710		2,710
Net carrying amount	0	0	0
Core deposit
Acquired Finite-Lived Intangible Assets [Line Items]
Gross carrying amount	4,414		4,414
Accumulated amortization	4,414		4,414
Net carrying amount	0	0	0
Favorable leases
Acquired Finite-Lived Intangible Assets [Line Items]
Gross carrying amount	543		543
Accumulated amortization	531		514
Net carrying amount	₨ 12	$ 0.2	₨ 29

Estimated Amortization Expense

Estimated Amortization Expense for Intangible Assets (Detail) - Mar. 31, 2015 ₨ in Millions, $ in Millions	INR (₨)	USD ($)
To be amortized during the twelve months ending March 31:
2,016	₨ 7	$ 0.1
2,017	3	0.1
2,018	1	0
2,019	1	0
2,020	₨ 0	$ 0

Other Assets (Detail)

Other Assets (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Deferred Costs, Capitalized and Other Assets Disclosure [Line Items]
Security deposits for leased property	₨ 4,232.1	$ 67.9	₨ 3,728.7
Sundry accounts receivable	12,492.3	200.5	22,455.4
Advance tax (net of provision for taxes)	14,703.2	236	12,251.3
Advances	2,682.1	43	1,444.8
Prepaid expenses	1,454.2	23.3	1,160.2
Restricted cash/ securitization margin for credit enhancement and securitized transactions	3,197	51.3	3,677.4
Derivatives	72,415.7	1,162.2	142,479.3
Others	19,301.4	309.8	27,093.9
Total	₨ 130,478	$ 2,094	₨ 214,291

Deposits (Detail)

Deposits (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Interest-bearing:
Savings deposits	₨ 1,249,266.1	$ 20,049.2	₨ 1,031,326.1
Time deposits	2,519,412.7	40,433.5	2,025,828.4
Total interest-bearing deposits	3,768,678.8	60,482.7	3,057,154.5
Non-interest-bearing deposits	733,032	11,764.3	612,845.6
Total	₨ 4,501,710.8	$ 72,247	₨ 3,670,000.1

Deposits - Additional Informati

Deposits - Additional Information (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Time Deposits [Line Items]
Time deposits with residual maturity of less than one year	₨ 1,737,103.7	$ 27,878.4	₨ 1,327,554.2
Time deposits	2,519,412.7	$ 40,433.5	2,025,828.4
Deposit in excess of Rs. 100000
Time Deposits [Line Items]
Time deposits	₨ 2,365,836.3		₨ 1,872,806.1

Scheduled Maturities for Total

Scheduled Maturities for Total Time Deposits (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Due to mature in the fiscal year ending March 31
2,016	₨ 1,737,103.7	$ 27,878.4	₨ 1,327,554.2
2,017	507,781.4	8,149.3
2,018	122,233.3	1,961.7
2,019	88,001.3	1,412.3
2,020	47,145.4	756.6
Thereafter	17,147.6	275.2
Total	₨ 2,519,412.7	$ 40,433.5	₨ 2,025,828.4

Short-Term Borrowings (Detail)

Short-Term Borrowings (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)	Mar. 31, 2015USD ($)
Short-term Debt [Line Items]
Short-term borrowings	₨ 214,191.9		₨ 150,775.5	$ 3,437.5
Weighted average interest rate	3.00%		3.30%	3.00%
Maximum amount outstanding	₨ 276,731	$ 4,441.2	₨ 383,190.9
Average amount outstanding	143,975.8	$ 2,310.6	213,031.8
Borrowed in the call market
Short-term Debt [Line Items]
Short-term borrowings	14,851.7		13,937.3	$ 238.3
Term borrowings from institutions/banks
Short-term Debt [Line Items]
Short-term borrowings	80,002.8		49,550	1,284
Foreign currency borrowings
Short-term Debt [Line Items]
Short-term borrowings	119,337.4		83,313.8	1,915.2
Bills rediscounted
Short-term Debt [Line Items]
Short-term borrowings	₨ 0		₨ 3,974.4	$ 0

Long-Term Debt (Detail)

Long-Term Debt (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Debt Instrument [Line Items]
Subordinated debt	₨ 175,849	$ 2,822.2	₨ 174,730.5
Others	282,085.4	4,527.1	220,478.1
Total	₨ 457,934.4	$ 7,349.3	₨ 395,208.6

Long Term Debt and Related Cont

Long Term Debt and Related Contractual Rates and Maturity Dates (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)	Mar. 31, 2014INR (₨)	Mar. 31, 2015USD ($)
Debt Instrument [Line Items]
Total	₨ 457,934.4	₨ 395,208.6	$ 7,349.3
Subordinated debt | Lower tier II capital | Fixed Rate
Debt Instrument [Line Items]
Maturity /Call dates, start	2,016	2,015
Maturity /Call dates, end	2,025	2,024
Stated interest rates, minimum	6.00%	5.90%
Stated interest rates, maximum	10.70%	10.70%
Total	₨ 133,440	₨ 132,580	2,141.6
Subordinated debt | Upper tier II capital | Fixed Rate
Debt Instrument [Line Items]
Maturity /Call dates, start	2,016	2,016
Maturity /Call dates, end	2,021	2,021
Stated interest rates, minimum	8.70%	8.70%
Stated interest rates, maximum	10.85%	10.85%
Total	₨ 34,159	₨ 34,159	548.2
Subordinated debt | Upper tier II capital | Variable Rate
Debt Instrument [Line Items]
Maturity /Call dates, start	2,016	2,016
Maturity /Call dates, end	2,017	2,017
Total	₨ 6,250	₨ 5,991.5	$ 100.3
Subordinated debt | Upper tier II capital | Perpetual debt
Debt Instrument [Line Items]
Maturity /Call dates, start	2,016	2,016
Maturity /Call dates, end	2,017	2,017
Stated interest rates	9.92%	9.92%	9.92%
Total	₨ 2,000	₨ 2,000	$ 32.1
Subordinated debt | London Interbank Offered Rate (LIBOR) | Upper tier II capital | Variable Rate
Debt Instrument [Line Items]
Stated interest rates, margin on LIBOR rate	1.2	1.2
Others | Variable rate-(1)
Debt Instrument [Line Items]
Maturity /Call dates, start	2,016	2,015
Maturity /Call dates, end	2,018	2,018
Stated interest rates, minimum	1.50%	1.25%
Stated interest rates, maximum	2.59%	3.00%
Total	₨ 49,375	₨ 129,708.4	792.3
Others | Variable rate-(2)
Debt Instrument [Line Items]
Maturity /Call dates, start	2,016	2,015
Maturity /Call dates, end	2,019	2,018
Stated interest rates, minimum	9.95%	10.25%
Stated interest rates, maximum	10.55%	11.35%
Total	₨ 72,737.8	₨ 57,299.7	1,167.4
Others | Fixed rate-(1)
Debt Instrument [Line Items]
Maturity /Call dates, start	2,016	2,015
Maturity /Call dates, end	2,025	2,019
Stated interest rates, minimum	8.45%	8.54%
Stated interest rates, maximum	10.81%	10.81%
Total	₨ 83,950	₨ 33,470	1,347.3
Others | Fixed rate-(2)
Debt Instrument [Line Items]
Maturity /Call dates, start	2,016
Maturity /Call dates, end	2,018
Stated interest rates, minimum	1.11%
Stated interest rates, maximum	4.30%
Total	₨ 76,022.6		$ 1,220.1

Scheduled Maturities of Long-Te

Scheduled Maturities of Long-Term Debt (Detail) - Mar. 31, 2015 ₨ in Millions, $ in Millions		INR (₨)	USD ($)
Due in the twelve months ending March 31:
2,016		₨ 39,713	$ 637.3
2,017		101,547.4	1,629.7
2,018		98,097.7	1,574.3
2,019		39,397.3	632.3
2,020		2,500	40.1
Thereafter	[1]	174,679	2,803.4
Total		₨ 455,934.4	$ 7,317.1
[1]	The scheduled maturities of long-term debt do not include perpetual bonds of Rs. 2.0 billion.

Scheduled Maturities of Long115

Scheduled Maturities of Long-Term Debt (Parenthetical) (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Debt Instrument [Line Items]
Perpetual bonds	₨ 457,934.4	$ 7,349.3	₨ 395,208.6
Perpetual debt
Debt Instrument [Line Items]
Perpetual bonds	₨ 2,000

Long-Term Debt - Additional Inf

Long-Term Debt - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)	Mar. 31, 2014INR (₨)	Mar. 31, 2015USD ($)
Debt Instrument [Line Items]
Other long term debt, debt raised during the year	₨ 99,257.6	₨ 144,041.9
Other long-term debt	282,085.4	220,478.1	$ 4,527.1
Lower tier II capital
Debt Instrument [Line Items]
Subordinated debt, debt raised during the year qualifying for Tier II capital under RBI regulatory guidelines	5,000	2,300
Foreign currency borrowings
Debt Instrument [Line Items]
Other long-term debt	125,397.6	129,708.4
Local currency borrowings
Debt Instrument [Line Items]
Other long-term debt	₨ 156,687.8	₨ 90,769.7

Accrued Expenses and Other L117

Accrued Expenses and Other Liabilities (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Other Liabilities [Line Items]
Bills payable	₨ 60,853.2	$ 976.6	₨ 56,112
Remittances in transit	17,791.9	285.5	22,174.7
Accrued expenses	20,468.3	328.5	20,591.7
New account deposits	12,966.3	208.1	7,073.8
Accounts payable	26,785.7	429.9	64,086.3
Derivatives	71,767.5	1,151.8	124,176.3
Others	40,288.7	646.7	54,472.9
Total	₨ 250,921.6	$ 4,027.1	₨ 348,687.7

Accrued Expenses and Other L118

Accrued Expenses and Other Liabilities - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Credit card
Other Liabilities [Line Items]
Unamortized annual fees	₨ 285.6	$ 4.6	₨ 176.3

Changes in Accumulated Other Co

Changes in Accumulated Other Comprehensive Income After Tax (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance	₨ (11,590.4)		₨ 485.4
Net unrealized gain/(loss) arising during the period	22,281.8		(12,056.3)
Amounts reclassified to income	135		(19.5)
Ending Balance	10,826.4	$ 173.8	(11,590.4)
Accumulated Net Unrealized Investment Gain (Loss)
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance	(12,064.9)		222.4
Net unrealized gain/(loss) arising during the period	22,188.9		(12,267.8)
Amounts reclassified to income	135		(19.5)
Ending Balance	10,259	164.6	(12,064.9)
Accumulated Translation Adjustment
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance	474.5		263
Net unrealized gain/(loss) arising during the period	92.9		211.5
Amounts reclassified to income	0		0
Ending Balance	₨ 567.4	$ 9.2	₨ 474.5

Reclassification Out of Accumul

Reclassification Out of Accumulated Other Comprehensive Income (OCI) by Income line Item and the Related Tax Effect (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)	Mar. 31, 2013INR (₨)
Available for sale securities:
Realized (gain)/loss on sales of available for sale securities, net	₨ 5,167.9	$ 82.9	₨ 1,755.7	₨ 2,227.8
Other than temporary impairment losses on available for sale securities	(1.8)	0	(664.7)	₨ (1,546.3)
Net of tax	135		(19.5)
Accumulated Net Unrealized Investment Gain (Loss)
Available for sale securities:
Net of tax	135		(19.5)
Reclassification out of Accumulated Other Comprehensive Income | Accumulated Net Unrealized Investment Gain (Loss)
Available for sale securities:
Realized (gain)/loss on sales of available for sale securities, net	202.7	3.3	(29.5)
Other than temporary impairment losses on available for sale securities	1.8	0	0
Total before tax	204.5	3.3	(29.5)
Income tax	(69.5)	(1.1)	10
Net of tax	₨ 135	$ 2.2	₨ (19.5)

Income Tax Expense (Detail)

Income Tax Expense (Detail) ₨ in Millions, $ in Millions		12 Months Ended
		Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)	Mar. 31, 2013INR (₨)
Components Of Income Tax Expense Benefit [Line Items]
Current income tax expense		₨ 54,954.4	$ 882	₨ 44,324.2	₨ 35,848.5
Deferred income tax (benefit) expense	[1]	(352.1)	(5.7)	(1,994.6)	(4,881.7)
Interest on income tax refund		(82.4)	(1.3)	(25.4)	(1,126.7)
Income tax expense	[2]	₨ 54,519.9	$ 875	₨ 42,304.2	₨ 29,840.1
[1]	Includes deferred income tax benefits on the amortization of intangible assets of Rs. 747.7 million, Rs. 495.6 million and Rs. 74.4 million for fiscals March 31, 2013, March 31, 2014 and March 31, 2015, respectively.
[2]	Does not include the deferred tax effects of unrealized gains and losses on available for sale securities that are included in accumulated other comprehensive income of Rs. (3,771.9) million, Rs. 6,310.3 million and Rs. (11,425.5) million for fiscals March 31, 2013, March 31, 2014 and March 31, 2015, respectively. Includes income tax effects on reclassification adjustment on gains and losses on available for sale securities included in net income reclassified from accumulated other comprehensive income of Rs. 103.8 million, Rs. 10.0 million and Rs. (69.5) million for fiscals March 31, 2013, March 31, 2014 and March 31, 2015, respectively. Further, pretax income and income tax expense are substantially from India.

Income Tax Expense (Parenthetic

Income Tax Expense (Parenthetical) (Detail) - INR (₨) ₨ in Millions	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2013
Components Of Income Tax Expense Benefit [Line Items]
Deferred tax effects of unrealized gains and losses on available for sale securities	₨ (11,425.5)	₨ 6,310.3	₨ (3,771.9)
Reclassification adjustment for net (gain)/loss included in net income, tax	(69.5)	10	103.8
Amortization of Intangible Assets
Components Of Income Tax Expense Benefit [Line Items]
Deferred income tax benefits on the amortization of intangible assets	₨ 74.4	₨ 495.6	₨ 747.7

Reconciliation of Estimated Inc

Reconciliation of Estimated Income Taxes at Indian Statutory Income Tax Rate to Income Tax Expense as Reported (Detail) ₨ in Millions, $ in Millions		12 Months Ended
		Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)	Mar. 31, 2013INR (₨)
Reconciliation of Estimated Income Taxes to Income Tax Expense as Reported [Line Items]
Income before income tax expense		₨ 154,024.6	$ 2,471.9	₨ 121,750.4	₨ 91,974.8
Statutory income tax rate		33.99%	33.99%	33.99%	32.45%
Expected income tax expense		₨ 52,353	$ 840.2	₨ 41,383	₨ 29,841.2
Adjustments to reconcile expected income tax to actual tax expense
Interest on income tax refund, net of tax effect		(54.4)	(0.9)	(16.8)	(761.1)
Nondeductible stock-based compensation		3,106.3	49.9	1,867.9	1,471
Income exempt from taxes		(1,026.6)	(16.5)	(450.9)	(593.5)
Effect of change in statutory tax rate		0	0	(606.6)	0
Other, net		141.6	2.3	127.6	(117.5)
Income tax expense	[1]	₨ 54,519.9	$ 875	₨ 42,304.2	₨ 29,840.1
[1]	Does not include the deferred tax effects of unrealized gains and losses on available for sale securities that are included in accumulated other comprehensive income of Rs. (3,771.9) million, Rs. 6,310.3 million and Rs. (11,425.5) million for fiscals March 31, 2013, March 31, 2014 and March 31, 2015, respectively. Includes income tax effects on reclassification adjustment on gains and losses on available for sale securities included in net income reclassified from accumulated other comprehensive income of Rs. 103.8 million, Rs. 10.0 million and Rs. (69.5) million for fiscals March 31, 2013, March 31, 2014 and March 31, 2015, respectively. Further, pretax income and income tax expense are substantially from India.

Tax Effects of Significant Temp

Tax Effects of Significant Temporary Differences (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Deductible temporary differences:
Allowance for loan losses	₨ 12,576.7	$ 201.8	₨ 11,221.9
Unrealized loss on securities available for sale	0	0	6,274.7
Investments, others	4.6	0.1	441.9
Derivatives	820.9	13.2	489.7
Employee benefits	1,225.8	19.7	2,048.5
Others	3,212.8	51.5	2,935
Deferred tax asset	17,840.8	286.3	23,411.7
Taxable temporary differences:
Property and equipment	891.3	14.3	783.6
Loan origination cost	1,944.9	31.2	1,577.2
Unrealized gain on securities available for sale	5,209.8	83.6	0
Intangible assets	4.1	0.1	78.5
Deferred tax liability	8,050.1	129.2	2,439.3
Net deferred tax asset (liability)	₨ 9,790.7	$ 157.1	₨ 20,972.4

Income Taxes - Additional Infor

Income Taxes - Additional Information (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)	Mar. 31, 2014USD ($)	Mar. 31, 2013INR (₨)
Income Taxes [Line Items]
Total unrecognized tax benefit	₨ 648.3	$ 10.4	₨ 648.3	$ 10.4	₨ 648.3
The total unrecognized tax benefits, if recognized, that would reduce the tax provisions and thereby affect the effective tax rate	₨ 648.3

Reconciliation of Beginning and

Reconciliation of Beginning and Ending Balance of Unrecognized Tax Benefits (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Income Tax Contingency [Line Items]
Opening balance	₨ 648.3	$ 10.4	₨ 648.3
Increase/(decrease) related to prior year tax positions	0	0	0
Closing balance	₨ 648.3	$ 10.4	₨ 648.3

Stock-Based Compensation - Addi

Stock-Based Compensation - Additional Information (Detail) ₨ / shares in Units, ₨ in Millions, $ in Millions

Jul. 26, 2014shares

Dec. 24, 2013shares

Jul. 20, 2013shares

Mar. 31, 2015INR (₨)₨ / sharesshares

Mar. 31, 2015USD ($)shares

Mar. 31, 2014INR (₨)₨ / sharesshares

Jun. 27, 2013INR (₨)shares

Mar. 31, 2013INR (₨)₨ / sharesshares

Jun. 30, 2010INR (₨)shares

Jun. 30, 2007INR (₨)shares

Jun. 30, 2005INR (₨)shares

Jun. 30, 2003INR (₨)shares

Jan. 31, 2000INR (₨)shares

Mar. 31, 2012₨ / shares

Share-based Compensation Arrangement by Share-based Payment Award [Line Items]

Stock-based compensation, intrinsic value of options exercised at grant date

₨ 122.1

₨ 129.7

₨ 151.5

Stock-based compensation, aggregate intrinsic value of options exercised at exercise date

9,662.4

5,359.2

9,152.2

Stock-based compensation, aggregate intrinsic value of options outstanding at grant date

236.5

359.2

Stock-based compensation, aggregate intrinsic value of options outstanding

37,020.7

17,823.9

Stock-based compensation, aggregate intrinsic value of options exercisable at grant date

236.5

359.2

Stock-based compensation, aggregate intrinsic value of options exercisable

20,295.7

14,635.3

Stock-based compensation, total stock compensation cost recognized under the plans

₨ 9,138.8

$ 146.7

₨ 5,495.5

₨ 4,533.7

Stock-based compensation, unvested options, outstanding | shares

46,339,000

67,161,600

Stock-based compensation, unvested options, weighted average exercise price | ₨ / shares

₨ 773.7

₨ 680

Stock-based compensation, unvested options, aggregate intrinsic value at grant date

₨ 0

₨ 0

Stock-based compensation, unvested options, aggregate intrinsic value as at end of period

16,725.1

3,188.6

Stock-based compensation, total estimated compensation cost to be recognized in future periods

₨ 8,515.3

₨ 6,299.7

Employees Stock Option Scheme

Share-based Compensation Arrangement by Share-based Payment Award [Line Items]

Stock-based compensation, options granted | shares

41,659,000

41,659,000

47,060,000

0

Stock-based compensation, unvested options, weighted average exercise price | ₨ / shares

₨ 683.16

₨ 556.06

₨ 417.32

₨ 389.52

Stock-based compensation, weighted average period of recognition of total compensation cost not yet recognized (in years)

8 months 12 days

8 months 12 days

Employees Stock Option Scheme | Plan ''A''

Share-based Compensation Arrangement by Share-based Payment Award [Line Items]

Employees' Stock Option Scheme, equity shares reserved for issuance | shares

50,000,000

Employees' Stock Option Scheme, aggregate nominal value of equity shares reserved

₨ 100

Employees Stock Option Scheme | Plan ''B''

Share-based Compensation Arrangement by Share-based Payment Award [Line Items]

Employees' Stock Option Scheme, equity shares reserved for issuance | shares

50,000,000

Employees' Stock Option Scheme, aggregate nominal value of equity shares reserved

₨ 100

Employees Stock Option Scheme | Plan ''C''

Share-based Compensation Arrangement by Share-based Payment Award [Line Items]

Employees' Stock Option Scheme, equity shares reserved for issuance | shares

50,000,000

Employees' Stock Option Scheme, aggregate nominal value of equity shares reserved

₨ 100

Stock-based compensation, unvested options, weighted average exercise price | ₨ / shares

₨ 692.50

Employees Stock Option Scheme | Plan ''D''

Share-based Compensation Arrangement by Share-based Payment Award [Line Items]

Employees' Stock Option Scheme, equity shares reserved for issuance | shares

75,000,000

Employees' Stock Option Scheme, aggregate nominal value of equity shares reserved

₨ 150

Stock-based compensation, unvested options, weighted average exercise price | ₨ / shares

680

Employees Stock Option Scheme | Plan "E"

Share-based Compensation Arrangement by Share-based Payment Award [Line Items]

Employees' Stock Option Scheme, equity shares reserved for issuance | shares

100,000,000

Employees' Stock Option Scheme, aggregate nominal value of equity shares reserved

₨ 200

Stock-based compensation, unvested options, weighted average exercise price | ₨ / shares

573.70

Employees Stock Option Scheme | Plan "F"

Share-based Compensation Arrangement by Share-based Payment Award [Line Items]

Employees' Stock Option Scheme, equity shares reserved for issuance | shares

100,000,000

Employees' Stock Option Scheme, aggregate nominal value of equity shares reserved

₨ 200

Stock-based compensation, unvested options, weighted average exercise price | ₨ / shares

₨ 835.50

Employees Stock Option Scheme | Maximum

Share-based Compensation Arrangement by Share-based Payment Award [Line Items]

Employees' Stock Option Scheme, expiration

5 years

5 years

Employees' Stock Option Scheme, general discretionary vesting period

3 years

3 years

Employees Stock Option Scheme | Minimum

Share-based Compensation Arrangement by Share-based Payment Award [Line Items]

Employees' Stock Option Scheme, general discretionary vesting period

1 year

1 year

Scheme XXIII

Share-based Compensation Arrangement by Share-based Payment Award [Line Items]

Stock-based compensation, options granted | shares

574,000

Scheme XXIV

Share-based Compensation Arrangement by Share-based Payment Award [Line Items]

Stock-based compensation, options granted | shares

41,085,000

Scheme XIX

Share-based Compensation Arrangement by Share-based Payment Award [Line Items]

Stock-based compensation, options granted | shares

32,926,500

Scheme XX

Share-based Compensation Arrangement by Share-based Payment Award [Line Items]

Stock-based compensation, options granted | shares

7,085,000

Scheme XXI

Share-based Compensation Arrangement by Share-based Payment Award [Line Items]

Stock-based compensation, options granted | shares

7,017,000

Scheme XXII

Share-based Compensation Arrangement by Share-based Payment Award [Line Items]

Stock-based compensation, options granted | shares

31,500

Estimated Fair Value of Options

Estimated Fair Value of Options on Dates of Each Grant Using Binomial Option Pricing Model (Detail)		12 Months Ended
		Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Dividend yield		0.82%		0.00%	[1]
Expected volatility	[1]			0.00%
Risk-free interest rate, lower range		8.42%	8.21%	0.00%	[1]
Risk-free interest rate, upper range		8.63%	9.08%	0.00%	[1]
Expected term (in years)	[1]
Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Dividend yield			0.81%
Expected volatility		24.30%	28.57%
Expected term (in years)		4 years 1 month 17 days	3 years 9 months 22 days
Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Dividend yield			0.83%
Expected volatility		32.00%	41.52%
Expected term (in years)		5 years 5 months 12 days	5 years 5 months 9 days
[1]	no options were granted during the period

Activity in Options Available t

Activity in Options Available to be Granted Under Employee Stock Option Scheme (Detail) - Employees Stock Option Scheme - shares		12 Months Ended
		Mar. 31, 2015	Mar. 31, 2014		Mar. 31, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options available to be granted, beginning of period	[1]	112,121,300	58,080,400		57,116,000
Equity shares allocated for grant under the plan		0	100,000,000		0
Options granted		(41,659,000)	(47,060,000)		0
Forfeited/ lapsed	[1]	2,385,050	1,100,900		964,400
Options available to be granted, end of period		72,847,350	112,121,300	[1]	58,080,400	[1]
[1]	Does not include options exchanged on acquisition of CBoP since these options on forfeiture/ lapse are not available for re-issue.

Activity in Options Outstanding

Activity in Options Outstanding under Employee Stock Option Scheme, Employees Stock Option Schemes (Detail) - ₨ / shares		12 Months Ended
		Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2013
Weighted Average Exercise Price
Options outstanding, beginning of period		₨ 680
Options outstanding, end of period		₨ 773.7	₨ 680
Employees Stock Option Scheme
Options
Options outstanding, beginning of period		92,476,600	65,443,045	99,872,740
Granted		41,659,000	47,060,000	0
Exercised	[1]	(22,700,740)	(18,903,115)	(33,459,050)
Forfeited		(2,296,500)	(1,017,800)	(848,800)
Lapsed		(105,360)	(105,530)	(121,845)
Options outstanding, end of period		109,033,000	92,476,600	65,443,045
Options exercisable, end of period		41,871,400	46,137,600	56,752,845
Weighted Average Exercise Price
Options outstanding, beginning of period		₨ 556.06	₨ 417.32	₨ 389.52
Granted		835.50	679.99	0
Exercised	[1]	438.50	382.63	333.87
Forfeited		761.32	618.30	461.85
Lapsed		368.42	247.18	236.79
Options outstanding, end of period		683.16	556.06	417.32
Options exercisable, end of period		537.99	431.59	409.46
Weighted average fair value of options granted during the year		₨ 302.31	₨ 258.53	₨ 0
[1]	As of March 31, 2013 includes 728,290 options exercised, pending allotment of equity shares. As of March 31, 2014 excludes 728,290 options of equity shares allotted which were exercised in previous year.

Activity in Options Outstand131

Activity in Options Outstanding under Employee Stock Option Scheme, Employees Stock Option Schemes (Parenthetical) (Detail) - Employees Stock Option Scheme - shares		12 Months Ended
		Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options exercised	[1]	22,700,740	18,903,115	33,459,050
Pending Allotment of Equity Share
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options exercised				728,290
Options exercised previous period allotted			728,290
[1]	As of March 31, 2013 includes 728,290 options exercised, pending allotment of equity shares. As of March 31, 2014 excludes 728,290 options of equity shares allotted which were exercised in previous year.

Stock Options Outstanding, Empl

Stock Options Outstanding, Employees Stock Option Schemes (Detail)	12 Months Ended
	Mar. 31, 2015₨ / sharesshares	Mar. 31, 2015₨ / shares$ / sharesshares	Mar. 31, 2014₨ / sharesshares	Mar. 31, 2013₨ / sharesshares	Mar. 31, 2012₨ / sharesshares
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Weighted Average Exercise Price	₨ 773.7	₨ 773.7	₨ 680
Employees Stock Option Scheme
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Number Of Shares Arising Out Of Options | shares	109,033,000	109,033,000	92,476,600	65,443,045	99,872,740
Weighted Average Exercise Price	₨ 683.16	₨ 683.16	₨ 556.06	₨ 417.32	₨ 389.52
Employees Stock Option Scheme | Plan ''C''
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Range of exercise price, Lower Range | (per share)	680	₨ 10.91
Range of exercise price, Upper Range | (per share)	₨ 835.5	₨ 13.41
Number Of Shares Arising Out Of Options | shares	6,778,000	6,778,000
Weighted Average Remaining Life	4 years 3 months 26 days	4 years 3 months 26 days
Weighted Average Exercise Price	₨ 692.50	₨ 692.50
Employees Stock Option Scheme | Plan ''D''
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Range of exercise price | (per share)	₨ 680	₨ 10.91
Number Of Shares Arising Out Of Options | shares	6,402,300	6,402,300
Weighted Average Remaining Life	4 years 3 months 4 days	4 years 3 months 4 days
Weighted Average Exercise Price	₨ 680	₨ 680
Employees Stock Option Scheme | Plan "E"
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Range of exercise price, Lower Range | (per share)	440.16	₨ 7.06
Range of exercise price, Upper Range | (per share)	₨ 680	₨ 10.91
Number Of Shares Arising Out Of Options | shares	55,939,700	55,939,700
Weighted Average Remaining Life	3 years 18 days	3 years 18 days
Weighted Average Exercise Price	₨ 573.70	₨ 573.70
Employees Stock Option Scheme | Plan "F"
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Range of exercise price | (per share)	₨ 835.5	₨ 13.41
Number Of Shares Arising Out Of Options | shares	39,913,000	39,913,000
Weighted Average Remaining Life	5 years 2 months 19 days	5 years 2 months 19 days
Weighted Average Exercise Price	₨ 835.50	₨ 835.50

Retirement Benefits - Additiona

Retirement Benefits - Additional Information (Detail) - INR (₨)	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2013
Superannuation
Defined Benefit Plan Disclosure [Line Items]
Defined contribution plan, employer annual contribution as a percentage of eligible annual salary	13.00%
Defined contribution plan, employer contribution recognized as an expense	₨ 536,800,000	₨ 432,200,000	₨ 373,300,000
Superannuation | Managing Director, Executive Directors and for certain employees of CBoP
Defined Benefit Plan Disclosure [Line Items]
Defined contribution plan, employer annual contribution as a percentage of eligible annual salary	15.00%
Provident Fund
Defined Benefit Plan Disclosure [Line Items]
Defined contribution plan, employer annual contribution as a percentage of eligible annual salary	12.00%
Defined contribution plan, employer contribution recognized as an expense	₨ 1,600,200,000	1,433,400,000	₨ 1,295,400,000
Provident Fund Administered by Regional Provident Fund Commissioner
Defined Benefit Plan Disclosure [Line Items]
Defined contribution plan - contribution to Pension Scheme administered by Regional Provident Fund Commissioner, percentage considered - lower of the percentage of employees eligible salary or fixed amount	8.33%
Provident Fund Administered by Regional Provident Fund Commissioner | Maximum
Defined Benefit Plan Disclosure [Line Items]
Defined contribution plan -contribution to Pension Scheme administered by Regional Provident Fund Commissioner, amount considered - lower of the percentage of employees eligible salary or fixed amount	₨ 6,500
Gratuity
Defined Benefit Plan Disclosure [Line Items]
Defined benefit plan, number of days of eligible salary payable for each completed year of service	15 days
Defined benefit plan, vesting period	5 years
Defined benefit plan, expected contribution to the plan for the next fiscal year	₨ 616,400,000
Defined benefit plan, accumulated benefit obligation	1,680,600,000	1,535,700,000
Gratuity | Vested accumulated benefit obligation
Defined Benefit Plan Disclosure [Line Items]
Defined benefit plan, accumulated benefit obligation	1,137,800,000	1,017,300,000
Pension
Defined Benefit Plan Disclosure [Line Items]
Defined benefit plan, expected contribution to the plan for the next fiscal year	157,000,000
Defined benefit plan, accumulated benefit obligation	₨ 339,600,000	375,800,000
Pension | Centurion Bank of Punjab Limited
Defined Benefit Plan Disclosure [Line Items]
Defined benefit plan, employer contribution as a percentage of basic salary	10.00%
Lock-in-period after which contribution made for employees stand frozen and will be converted into an annuity on separation	2 years
Pension | Centurion Bank of Punjab Limited | Minimum
Defined Benefit Plan Disclosure [Line Items]
Defined benefit pension plan, Service period of employees for whom contribution made stand frozen and will be converted into an annuity on separation	10 years
Pension | Centurion Bank of Punjab Limited | Maximum
Defined Benefit Plan Disclosure [Line Items]
Defined benefit pension plan, Service period of employees for whom contribution made stand frozen and will be converted into an annuity on separation	15 years
Pension | Vested accumulated benefit obligation
Defined Benefit Plan Disclosure [Line Items]
Defined benefit plan, accumulated benefit obligation	₨ 223,300,000	₨ 264,000,000

Funded Status of Gratuity Plan

Funded Status of Gratuity Plan and Amounts Recognized in Bank's Financial Statements (Detail) - Gratuity ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)	Mar. 31, 2013INR (₨)	Mar. 31, 2015USD ($)
Change in benefit obligations:
Projected benefit obligation ("PBO"), beginning of the period	₨ 2,374.3	$ 38.1	₨ 2,062.8
Service cost	504.7	8.1	388.8	₨ 387.2
Interest cost	182.4	2.9	178.7	130.6
Actuarial (gains)/ losses	204.4	3.3	(101.8)
Benefits paid	(159.9)	(2.6)	(154.2)
Projected benefit obligation, end of the period	3,105.9	49.8	2,374.3	2,062.8
Change in plan assets:
Fair value of plan assets, beginning of the period	1,726	27.7	1,302.3
Expected return on plan assets	166.2	2.7	121.1	88.8
Actuarial gains/(losses)	213.5	3.4	18.6
Actual return on plan assets	379.7	6.1	139.7
Employer contributions	483	7.8	438.2
Benefits paid	(159.9)	(2.6)	(154.2)
Fair value of plan assets, end of the period	2,428.8	$ 39	1,726	₨ 1,302.3
Funded Status	₨ (677.1)		₨ (648.3)		$ (10.8)

Net Gratuity Cost (Detail)

Net Gratuity Cost (Detail) - Gratuity ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)	Mar. 31, 2013INR (₨)
Defined Benefit Plan Disclosure [Line Items]
Service cost	₨ 504.7	$ 8.1	₨ 388.8	₨ 387.2
Interest cost	182.4	2.9	178.7	130.6
Expected return on plan assets	(166.2)	(2.7)	(121.1)	(88.8)
Actuarial (gains)/ losses	(9.1)	(0.1)	(120.4)	(20.4)
Net gratuity cost	₨ 511.8	$ 8.2	₨ 326	₨ 408.6

Assumptions Used in Accounting

Assumptions Used in Accounting for Gratuity Plan (Detail) - Gratuity		12 Months Ended
		Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2013
Defined Benefit Plan Disclosure [Line Items]
Discount rate - benefit obligations	[1]	8.00%	9.00%	8.10%
Discount rate - net periodic benefit cost	[1]	8.00%	9.00%	8.10%
Rate of increase in compensation levels of covered employees		8.00%	8.50%	8.50%
Rate of return on plan assets		8.00%	8.00%	8.00%
[1]	Weighted average assumptions used to determine both benefit obligations and net periodic benefit cost.

Benefit Payments, Gratuity (Det

Benefit Payments, Gratuity (Detail) - Gratuity ₨ in Millions	Mar. 31, 2015INR (₨)
Benefit payments
2,016	₨ 175
2,017	185.2
2,018	202
2,019	291.8
2,020	337.3
2021-2025	₨ 1,170.2

Plan Assets as Percentage of To

Plan Assets as Percentage of Total Funds (Detail) - Gratuity		Mar. 31, 2015
Funds managed by insurance company (1)
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	[1]	100.00%
Funds managed by insurance company (1) | Government Securities
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	[1]	52.20%
Funds managed by insurance company (1) | Debenture and bonds
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	[1]	29.90%
Funds managed by insurance company (1) | Equity securities
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	[1]	5.50%
Funds managed by insurance company (1) | Other
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	[1]	12.40%
Funds managed by insurance company (2)
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	[1]	100.00%
Funds managed by insurance company (2) | Government Securities
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	[1]	27.00%
Funds managed by insurance company (2) | Debenture and bonds
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	[1]	13.60%
Funds managed by insurance company (2) | Equity securities
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	[1]	53.70%
Funds managed by insurance company (2) | Other
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	[1]	5.70%
Funds managed by trust
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds		100.00%
Funds managed by trust | Government Securities
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds		40.20%
Funds managed by trust | Debenture and bonds
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds		45.10%
Funds managed by trust | Equity securities
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds		0.00%
Funds managed by trust | Other
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds		14.70%
[1]	The data pertaining to plan investment assets measured at fair value by level and total at March 31, 2015 are provided separately.

Funded Status of Pension Plan a

Funded Status of Pension Plan and Amounts Recognized in Bank's Financial Statements (Detail) - Pension ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)	Mar. 31, 2013INR (₨)	Mar. 31, 2015USD ($)
Change in benefit obligations:
Projected benefit obligation ("PBO"), beginning of the period	₨ 588.9	$ 9.5	₨ 581.9
Service cost	10.2	0.2	7.7	₨ 13.2
Interest cost	43.7	0.7	48.4	41.8
Actuarial (gains)/losses	11	0.2	39.7
Benefits paid	(79.4)	(1.3)	(88.8)
Projected benefit obligation, end of the period	574.4	9.3	588.9	581.9
Change in plan assets:
Fair value of plan assets, beginning of the period	479.9	7.7	488.8
Expected return on plan assets	36	0.6	38.7	40
Actuarial gains/(losses)	(23.8)	(0.4)	34.5
Actual return on plan assets	12.2	0.2	73.2
Employer contributions	6.4	0.1	6.7
Benefits paid	(79.4)	(1.3)	(88.8)
Fair value of plan assets, end of the period	419.1	$ 6.7	479.9	₨ 488.8
Funded Status	₨ (155.3)		₨ (109)		$ (2.6)

Net Pension Cost (Detail)

Net Pension Cost (Detail) - Pension ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)	Mar. 31, 2013INR (₨)
Defined Benefit Plan Disclosure [Line Items]
Service cost	₨ 10.2	$ 0.2	₨ 7.7	₨ 13.2
Interest cost	43.7	0.7	48.4	41.8
Expected return on plan assets	(36)	(0.6)	(38.7)	(40)
Actuarial (gains)/losses	34.8	0.6	5.2	85.1
Net pension cost	₨ 52.7	$ 0.9	₨ 22.6	₨ 100.1

Assumptions Used in Accounti141

Assumptions Used in Accounting for Pension Plan (Detail) - Pension		12 Months Ended
		Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2013
Defined Benefit Plan Disclosure [Line Items]
Discount rate - benefit obligations	[1]	8.00%	9.00%	8.10%
Discount rate - net periodic benefit cost	[1]	8.00%	9.00%	8.10%
Rate of increase in compensation levels of covered employees		8.00%	8.50%	8.50%
Rate of return on plan assets		8.00%	8.00%	8.00%
[1]	Weighted average assumptions used to determine both benefit obligations and net periodic benefit cost.

Benefit Payments, Pension (Deta

Benefit Payments, Pension (Detail) - Pension ₨ in Millions	Mar. 31, 2015INR (₨)
Benefit payments
2,016	₨ 79.1
2,017	38
2,018	76.7
2,019	88.5
2,020	76.2
2021-2025	₨ 225.7

Weighted-Average Asset Allocati

Weighted-Average Asset Allocation of Said Plan Assets for Pension Benefits (Detail) - Pension	Mar. 31, 2015
Funds managed by trust
Weighted-average asset allocation	100.00%
Government of India securities
Funds managed by trust
Weighted-average asset allocation	7.00%
Debenture and bonds
Funds managed by trust
Weighted-average asset allocation	78.20%
Other securities
Funds managed by trust
Weighted-average asset allocation	14.80%

Plan Investment Assets for Grat

Plan Investment Assets for Gratuity Funds and Pension Fund Measured at Fair Value by Level and in Total (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Fair Value Measurements Using Quoted Prices In Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Disclosure [Line Items]
Plan investment assets at fair value	₨ 99	$ 1.6	₨ 164.7
Fair Value Measurements Using Quoted Prices In Active Markets for Identical Assets (Level 1) | Funds managed by insurance company (1)
Defined Benefit Plan Disclosure [Line Items]
Plan investment assets at fair value	0		0
Fair Value Measurements Using Quoted Prices In Active Markets for Identical Assets (Level 1) | Funds managed by insurance company (2)
Defined Benefit Plan Disclosure [Line Items]
Plan investment assets at fair value	0		0
Fair Value Measurements Using Quoted Prices In Active Markets for Identical Assets (Level 1) | Funds managed by trust | Government of India securities
Defined Benefit Plan Disclosure [Line Items]
Plan investment assets at fair value	0		0
Fair Value Measurements Using Quoted Prices In Active Markets for Identical Assets (Level 1) | Funds managed by trust | Debenture and bonds
Defined Benefit Plan Disclosure [Line Items]
Plan investment assets at fair value	0		0
Fair Value Measurements Using Quoted Prices In Active Markets for Identical Assets (Level 1) | Funds managed by trust | Other
Defined Benefit Plan Disclosure [Line Items]
Plan investment assets at fair value	99		164.7
Fair Value Measurements Using Significant other observable inputs (Level 2)
Defined Benefit Plan Disclosure [Line Items]
Plan investment assets at fair value	2,259.7	36.3	1,637.2
Fair Value Measurements Using Significant other observable inputs (Level 2) | Funds managed by insurance company (1)
Defined Benefit Plan Disclosure [Line Items]
Plan investment assets at fair value	0		0
Fair Value Measurements Using Significant other observable inputs (Level 2) | Funds managed by insurance company (2)
Defined Benefit Plan Disclosure [Line Items]
Plan investment assets at fair value	1,688.6		1,082.3
Fair Value Measurements Using Significant other observable inputs (Level 2) | Funds managed by trust | Government of India securities
Defined Benefit Plan Disclosure [Line Items]
Plan investment assets at fair value	130.2		113.6
Fair Value Measurements Using Significant other observable inputs (Level 2) | Funds managed by trust | Debenture and bonds
Defined Benefit Plan Disclosure [Line Items]
Plan investment assets at fair value	440.9		441.3
Fair Value Measurements Using Significant other observable inputs (Level 2) | Funds managed by trust | Other
Defined Benefit Plan Disclosure [Line Items]
Plan investment assets at fair value	0		0
Fair Value Measurements Using Significant unobservable inputs (Level 3)
Defined Benefit Plan Disclosure [Line Items]
Plan investment assets at fair value	489.2	$ 7.8	404
Fair Value Measurements Using Significant unobservable inputs (Level 3) | Funds managed by insurance company (1)
Defined Benefit Plan Disclosure [Line Items]
Plan investment assets at fair value	489.2		404
Fair Value Measurements Using Significant unobservable inputs (Level 3) | Funds managed by insurance company (2)
Defined Benefit Plan Disclosure [Line Items]
Plan investment assets at fair value	0		0
Fair Value Measurements Using Significant unobservable inputs (Level 3) | Funds managed by trust | Government of India securities
Defined Benefit Plan Disclosure [Line Items]
Plan investment assets at fair value	0		0
Fair Value Measurements Using Significant unobservable inputs (Level 3) | Funds managed by trust | Debenture and bonds
Defined Benefit Plan Disclosure [Line Items]
Plan investment assets at fair value	0		0
Fair Value Measurements Using Significant unobservable inputs (Level 3) | Funds managed by trust | Other
Defined Benefit Plan Disclosure [Line Items]
Plan investment assets at fair value	₨ 0		₨ 0

Reconciliation of All Plan Inve

Reconciliation of All Plan Investment Assets Measured at Fair Value Using Significant Unobservable Inputs (Level 3) (Detail) - Plan investment funds managed by insurance companies ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Defined Benefit Plan Disclosure [Line Items]
Beginning balance		$ 6.5
Realized interest credited to fund		0
Contribution during the period		2.2
Amount paid towards claim		(0.9)
Ending Balance		$ 7.8
Other Funds
Defined Benefit Plan Disclosure [Line Items]
Beginning balance | ₨	₨ 404		₨ 378.6
Realized interest credited to fund | ₨	0		31.5
Contribution during the period | ₨	140.8		131.5
Amount paid towards claim | ₨	(55.6)		(137.6)
Ending Balance | ₨	₨ 489.2		₨ 404

Aggregate Notional Principal Am

Aggregate Notional Principal Amounts of Bank's Outstanding Forward Exchange and Derivative Contracts (Detail) - Entity [Domain] ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Derivatives, Fair Value [Line Items]
Notional	₨ 9,174,300.6	$ 147,236.5	₨ 6,763,481.6
Gross Assets	72,415.7	1,162.2	142,479.3
Gross Liabilities	71,767.5	1,151.8	124,176.3
Net Fair Value	648.2	10.4	18,303
Interest rate derivatives
Derivatives, Fair Value [Line Items]
Notional	2,210,332.2	35,473.2	1,772,658.7
Gross Assets	6,959.2		10,766.4
Gross Liabilities	7,289		12,240.7
Net Fair Value	(329.8)	(5.3)	(1,474.3)
Currency options
Derivatives, Fair Value [Line Items]
Notional	144,827.2	2,324.3	165,920.4
Gross Assets	952.5		1,329.4
Gross Liabilities	1,062.1		1,640.4
Net Fair Value	(109.6)	(1.8)	(311)
Currency swaps
Derivatives, Fair Value [Line Items]
Notional	70,521.8	1,131.8	71,041.3
Gross Assets	4,225.2		5,055.9
Gross Liabilities	3,093.3		3,326.6
Net Fair Value	1,131.9	18.2	1,729.3
Forward exchange contracts
Derivatives, Fair Value [Line Items]
Notional	6,740,520.9	108,177.2	4,753,861.2
Gross Assets	60,276.3		125,327.6
Gross Liabilities	60,320.5		106,968.6
Net Fair Value	(44.2)	(0.7)	₨ 18,359
Forward rate agreements
Derivatives, Fair Value [Line Items]
Notional	8,098.5	130
Gross Assets	2.5
Gross Liabilities	2.6
Net Fair Value	₨ (0.1)	$ 0

Information Related to Derivati

Information Related to Derivative Amounts Recognized in Income (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)	Mar. 31, 2013INR (₨)
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives gain/(loss), net	₨ (7,393)	$ (118.6)	₨ 119.5	₨ 241.9
Interest rate derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives gain/(loss), net	(383.4)	(6.2)	(1,768.7)
Forward rate agreements
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives gain/(loss), net	3	0	0
Currency options
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives gain/(loss), net	303	4.9	250
Currency swaps
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives gain/(loss), net	151.3	2.4	662.6
Forward exchange contracts
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives gain/(loss), net	₨ (7,466.9)	$ (119.7)	₨ 975.6

Amounts Subject to Enforceable

Amounts Subject to Enforceable Netting Arrangements (Detail) ₨ in Millions, $ in Millions		Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Financial Instruments [Line Items]
Derivative assets, gross amounts		₨ 72,415.7	$ 1,162.2	₨ 142,479.3
Derivative assets, amounts offset		0		0
Derivative assets, net amounts reported in the balance sheet		72,415.7		142,479.3
Derivative assets, financial instruments		53,534.5		101,787.6
Derivative assets, financial collateral	[1]	2,761.7		9,191.9
Derivative assets, net amount		16,119.5	258.7	31,499.8
Securities purchased under agreements to resell, gross amounts		1,592.6	25.6	57,322.6
Securities purchased under agreements to resell, amounts offset		0		0
Securities purchased under agreements to resell, net amounts reported in the balance sheet		1,592.6		57,322.6
Securities purchased under agreements to resell, financial instruments		0		0
Securities purchased under agreements to resell, financial collateral		1,592.6		57,322.6	[1]
Securities purchased under agreements to resell, net amount		0	0	0
Derivative liabilities, gross amounts		71,767.5	1,151.8	124,176.3
Derivative liabilities, amounts offset		0		0
Derivative liabilities, net amounts reported in the balance sheet		71,767.5		124,176.3
Derivative liabilities, financial instruments		53,534.5		101,787.6
Derivative liabilities, financial collateral	[1]	390.8		305.3
Derivative liabilities, net amount		17,842.2	286.3	22,083.4
Securities sold under repurchase agreements, gross amounts		50,000	802.4	₨ 0
Securities sold under repurchase agreements, amounts offset		0
Securities sold under repurchase agreements, net amounts reported in the balance sheet		50,000
Securities sold under repurchase agreements, financial instruments		0
Securities sold under repurchase agreements, financial collateral	[1]	50,000
Securities sold under repurchase agreements, net amount		₨ 0	$ 0
[1]	Comprised of securities and cash collaterals. These amounts are limited to the asset/ liability balance, and accordingly, do not include excess collateral received/ pledged.

Financial Instruments - Additio

Financial Instruments - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Financial Instruments [Line Items]
Estimated fair values of bank guarantees	₨ 1,758.7	$ 28.2	₨ 1,480.7
Loan sanction, aggregate of loans contemplated that had not yet been made	628,087.2	10,080
Guarantees
Financial Instruments [Line Items]
Guarantees, contingent liability recognized in terms of FASB ASC 450	973.3		846
Guarantees
Financial Instruments [Line Items]
Estimated fair values of bank guarantees	₨ 1,509.7	$ 24.2	₨ 1,301.7
Minimum
Financial Instruments [Line Items]
Remaining tenure of guarantees outstanding	1 day
Maximum
Financial Instruments [Line Items]
Remaining tenure of guarantees outstanding	17 years 10 months 24 days

Details of Guarantees and Docum

Details of Guarantees and Documentary Credits Outstanding (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Derivatives, Fair Value [Line Items]
Bank guarantees	₨ 555,586.6	$ 8,916.5	₨ 441,559.3
Estimated fair values of bank guarantees	(1,758.7)	(28.2)	(1,480.7)
Financial guarantees
Derivatives, Fair Value [Line Items]
Bank guarantees	160,779.8	2,580.3	161,259.8
Performance guarantees
Derivatives, Fair Value [Line Items]
Bank guarantees	114,906.3	1,844.1	88,204.3
Documentary credits
Derivatives, Fair Value [Line Items]
Bank guarantees	279,900.5	4,492.1	192,095.2
Estimated fair values of bank guarantees	(249)	(4)	(179)
Guarantees
Derivatives, Fair Value [Line Items]
Estimated fair values of bank guarantees	₨ (1,509.7)	$ (24.2)	₨ (1,301.7)

Comparison of Fair Values and C

Comparison of Fair Values and Carrying Values of Financial Instruments (Detail) ₨ in Millions, $ in Millions		Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)	Mar. 31, 2014USD ($)	Mar. 31, 2013INR (₨)	Mar. 31, 2012INR (₨)
Financial Assets:
Cash and cash equivalents		₨ 341,124.3	$ 5,474.6	₨ 370,835.2	$ 5,951.5	₨ 218,740.2	₨ 188,043
Term placements		169,989.5	2,728.1	176,481.7
Investments held for trading		61,292.8	983.7	65,077.9
Investments available for sale	[1]	1,503,708.4	24,132.8	908,128.9
Securities purchased under agreements to resell		1,592.6	25.6	57,322.6
Loans		3,896,115	62,527.9	3,185,648.1
Accrued interest receivable		45,705	733.5	40,388.5
Other assets		109,722.4	1,760.9	186,036.9
Financial Liabilities:
Interest-bearing deposits		3,768,678.8	60,482.7	3,057,154.5
Non-interest-bearing deposits		733,032	11,764.3	612,845.6
Securities sold under repurchase agreements		50,000	802.4	0
Short-term borrowings		214,191.9	3,437.5	150,775.5
Accrued interest payable		32,689.5	524.6	27,734.7
Long-term debt		457,934.4	7,349.3	395,208.6
Accrued expenses and other liabilities		200,563.5	3,218.8	295,116.6
Financial Assets:
Cash and cash equivalents		341,124.3	5,474.6	370,835.2
Term placements		169,990.7	2,728.1	176,346.4
Investments held for trading		61,292.8	983.7	65,077.9
Investments available for sale	[1]	1,503,708.4	24,132.8	908,128.9
Securities purchased under agreements to resell		1,592.6	25.6	57,322.6
Loans		3,917,070.5	62,864.2	3,220,631
Accrued interest receivable		45,705	733.5	40,388.5
Other assets		108,346.3	1,738.8	184,774.8
Financial Liabilities:
Securities sold under repurchase agreements		50,000	802.4	0
Short-term borrowings		214,448.4	3,441.6	151,062.9
Accrued interest payable		32,689.5	524.6	27,734.7
Long-term debt		466,351.5	7,484.4	399,998.8
Accrued expenses and other liabilities		200,563.5	3,218.8	295,116.6
Estimated Fair Value
Financial Assets:
Investments available for sale	[1]	1,503,708.4	24,132.8	908,128.9
Financial Assets:
Investments available for sale	[1]	1,503,708.4	24,132.8	908,128.9
Interest-bearing deposits
Financial Liabilities:
Deposits		3,766,754.6	60,451.8	3,039,651.4
Non Interest Bearing Deposits
Financial Liabilities:
Deposits		733,032	$ 11,764.3	612,845.6
Fair Value Measurements Using Quoted Prices In Active Markets for Identical Assets (Level 1)
Financial Assets:
Investments held for trading		0		25.9
Financial Assets:
Cash and cash equivalents		341,124.3		370,835.2
Term placements		0		0
Investments held for trading		0		25.9
Securities purchased under agreements to resell		0		0
Loans		0		0
Accrued interest receivable		0		0
Other assets		0		0
Financial Liabilities:
Securities sold under repurchase agreements		0		0
Short-term borrowings		0		0
Accrued interest payable		0		0
Long-term debt		0		0
Accrued expenses and other liabilities		0		0
Fair Value Measurements Using Quoted Prices In Active Markets for Identical Assets (Level 1) | Estimated Fair Value
Financial Assets:
Investments available for sale	[1]	105,008.8		341.1
Financial Assets:
Investments available for sale	[1]	105,008.8		341.1
Fair Value Measurements Using Quoted Prices In Active Markets for Identical Assets (Level 1) | Interest-bearing deposits
Financial Liabilities:
Deposits		0		0
Fair Value Measurements Using Quoted Prices In Active Markets for Identical Assets (Level 1) | Non Interest Bearing Deposits
Financial Liabilities:
Deposits		0		0
Fair Value Measurements Using Significant other observable inputs (Level 2)
Financial Assets:
Investments held for trading		61,292.8		65,052
Financial Assets:
Cash and cash equivalents		0		0
Term placements		169,990.7		176,346.4
Investments held for trading		61,292.8		65,052
Securities purchased under agreements to resell		1,592.6		57,322.6
Loans		1,190,272.3		3,220,631
Accrued interest receivable		45,705		40,388.5
Other assets		108,346.3		184,774.8
Financial Liabilities:
Securities sold under repurchase agreements		50,000		0
Short-term borrowings		214,448.4		151,062.9
Accrued interest payable		32,689.5		27,734.7
Long-term debt		466,351.5		399,998.8
Accrued expenses and other liabilities		200,563.5		295,116.6
Fair Value Measurements Using Significant other observable inputs (Level 2) | Estimated Fair Value
Financial Assets:
Investments available for sale	[1]	1,382,450.2		907,787.8
Financial Assets:
Investments available for sale	[1]	1,382,450.2		907,787.8
Fair Value Measurements Using Significant other observable inputs (Level 2) | Interest-bearing deposits
Financial Liabilities:
Deposits		3,766,754.6		3,039,651.4
Fair Value Measurements Using Significant other observable inputs (Level 2) | Non Interest Bearing Deposits
Financial Liabilities:
Deposits		733,032		612,845.6
Fair Value Measurements Using Significant unobservable inputs (Level 3)
Financial Assets:
Investments held for trading		0		0
Financial Assets:
Cash and cash equivalents		0		0
Term placements		0		0
Investments held for trading		0		0
Securities purchased under agreements to resell		0		0
Loans		2,726,798.2		0
Accrued interest receivable		0		0
Other assets		0		0
Financial Liabilities:
Securities sold under repurchase agreements		0		0
Short-term borrowings		0		0
Accrued interest payable		0		0
Long-term debt		0		0
Accrued expenses and other liabilities		0		0
Fair Value Measurements Using Significant unobservable inputs (Level 3) | Estimated Fair Value
Financial Assets:
Investments available for sale	[1]	16,249.4		0
Financial Assets:
Investments available for sale	[1]	16,249.4		0
Fair Value Measurements Using Significant unobservable inputs (Level 3) | Interest-bearing deposits
Financial Liabilities:
Deposits		0		0
Fair Value Measurements Using Significant unobservable inputs (Level 3) | Non Interest Bearing Deposits
Financial Liabilities:
Deposits		₨ 0		₨ 0
[1]	excluding investments carried at cost Rs. 704.4 million (US$11.3 million) (as at March 31, 2014, Rs.695.4 million)

Comparison of Fair Values an152

Comparison of Fair Values and Carrying Values of Financial Instruments (Parenthetical) (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, at cost	₨ 704.4	$ 11.3	₨ 695.4

Segment Information - Additiona

Segment Information - Additional Information (Detail)	12 Months Ended
	Mar. 31, 2015Segment
Reportable segments	3

Summarized Segment Information

Summarized Segment Information (Detail) ₨ in Millions, $ in Millions		12 Months Ended
		Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)	Mar. 31, 2013INR (₨)	Mar. 31, 2015USD ($)
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)		₨ 236,176.3	$ 3,790.4	₨ 192,572.1	₨ 157,076.5
Less: Provision for credit losses		17,000.2	272.8	17,428.1	12,688
Net interest revenue, after allowance for credit losses		219,176.1	3,517.6	175,144	144,388.5
Non-interest revenue		79,821.5	1,281.1	70,834.5	65,177.4
Non-interest expense		(144,973)	(2,326.8)	(124,228.1)	(117,591.1)
Income before income tax		154,024.6	2,471.9	121,750.4	91,974.8
Income tax expense	[1]	54,519.9	875	42,304.2	29,840.1
Segment assets:
Segment total assets		6,259,015.8		5,125,407.3	4,370,906.1	$ 100,449.7
Operating Segments
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)		236,176.3	3,790.4	192,572.1	157,076.5
Net interest income (Internal)
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)		0	$ 0	0	0
Retail Banking
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)		184,836.2		151,578.5	128,292.8
Less: Provision for credit losses		12,355.4		14,942.4	11,107.1
Net interest revenue, after allowance for credit losses		172,480.8		136,636.1	117,185.7
Non-interest revenue		73,189.9		62,670.8	56,181.9
Non-interest expense		(132,305.4)		(116,511.1)	(105,510.9)
Income before income tax		113,365.3		82,795.8	67,856.7
Segment assets:
Segment total assets		3,528,407.2		2,838,734.3	2,301,087.4
Retail Banking | Operating Segments
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)		110,165.3		105,479.2	88,384.7
Retail Banking | Net interest income (Internal)
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)		74,670.9		46,099.3	39,908.1
Wholesale Banking
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)		40,504		33,237.1	27,062.6
Less: Provision for credit losses		4,644.8		2,485.7	1,580.9
Net interest revenue, after allowance for credit losses		35,859.2		30,751.4	25,481.7
Non-interest revenue		9,557.4		8,551.4	6,619
Non-interest expense		(11,547.9)		(6,354.4)	(9,803.3)
Income before income tax		33,868.7		32,948.4	22,297.4
Segment assets:
Segment total assets		2,248,913.1		1,776,968.9	1,684,462
Wholesale Banking | Operating Segments
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)		108,033.7		82,160.1	68,846.3
Wholesale Banking | Net interest income (Internal)
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)		(67,529.7)		(48,923)	(41,783.7)
Treasury Services
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)		10,836.1		7,756.5	1,721.1
Less: Provision for credit losses		0		0	0
Net interest revenue, after allowance for credit losses		10,836.1		7,756.5	1,721.1
Non-interest revenue		(2,925.8)		(387.7)	2,376.5
Non-interest expense		(1,119.7)		(1,362.6)	(2,276.9)
Income before income tax		6,790.6		6,006.2	1,820.7
Segment assets:
Segment total assets		481,695.5		509,704.1	385,356.7
Treasury Services | Operating Segments
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)		17,977.3		4,932.8	(154.5)
Treasury Services | Net interest income (Internal)
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)		₨ (7,141.2)		₨ 2,823.7	₨ 1,875.6
[1]	Does not include the deferred tax effects of unrealized gains and losses on available for sale securities that are included in accumulated other comprehensive income of Rs. (3,771.9) million, Rs. 6,310.3 million and Rs. (11,425.5) million for fiscals March 31, 2013, March 31, 2014 and March 31, 2015, respectively. Includes income tax effects on reclassification adjustment on gains and losses on available for sale securities included in net income reclassified from accumulated other comprehensive income of Rs. 103.8 million, Rs. 10.0 million and Rs. (69.5) million for fiscals March 31, 2013, March 31, 2014 and March 31, 2015, respectively. Further, pretax income and income tax expense are substantially from India.

Commitments and Contingencies -

Commitments and Contingencies - Additional Information (Detail) - INR (₨) ₨ in Millions	Mar. 31, 2015	Mar. 31, 2014
Loss Contingencies [Line Items]
Capital commitments, estimated amounts of contracts remaining to be executed on the capital account	₨ 3,260.4	₨ 2,492.2
Contingencies, estimated provision for indirect taxes claims which are not yet acknowledged as debts	₨ 3,964.8	₨ 4,090.9

Rental Expenses and Sub-Lease I

Rental Expenses and Sub-Lease Income (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)	Mar. 31, 2013INR (₨)
Operating Leased Assets [Line Items]
The total minimum lease expense during the year recognized in the consolidated statement of income	₨ 8,974.5	$ 144	₨ 7,655.7	₨ 7,006.1

Future Minimum Lease Payments (

Future Minimum Lease Payments (Detail) - Mar. 31, 2015 ₨ in Millions, $ in Millions	INR (₨)	USD ($)
Operating Leased Assets [Line Items]
2,016	₨ 8,070.8	$ 129.5
2,017	7,861.9	126.2
2,018	7,220.7	115.9
2,019	6,271.6	100.7
2,020	5,384.1	86.4
Thereafter	20,219.7	324.5
Total	₨ 55,028.8	$ 883.2

Movement in Provision for Credi

Movement in Provision for Credit Card and Debit Card Reward Points (Detail) - Debit and Credit Cards Reward Points ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Commitments and Contingencies Disclosure [Line Items]
Opening provision of reward points	₨ 1,509.1	$ 24.2	₨ 1,300.7
Provision made during the year	1,066.8	17.1	1,008.9
Utilization/write back of provision	(637.6)	(10.2)	(577.2)
Closing provision of reward points	2,000.7	32.1	1,509.1
Change in Rate of Accrual of Reward Points
Commitments and Contingencies Disclosure [Line Items]
Effect of change in rate of accrual of points/cost of reward	(408.3)	(6.6)	(223.3)
Change in Cost of Reward Points
Commitments and Contingencies Disclosure [Line Items]
Effect of change in rate of accrual of points/cost of reward	₨ 470.7	$ 7.6	₨ 0

Balances Payable to Related Par

Balances Payable to Related Parties (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Related Party Transaction [Line Items]
Balances in non-interest-bearing deposits	₨ 733,032	$ 11,764.3	₨ 612,845.6
Balances in interest-bearing deposits	3,768,678.8	60,482.7	3,057,154.5
Principal Owner
Related Party Transaction [Line Items]
Balances in non-interest-bearing deposits	11,333.1		29,348.1
Balances in interest-bearing deposits	10,701.3		25,600.3
Accrued expenses and other liabilities	192.5		143.2
Total	22,226.9		55,091.6
Others
Related Party Transaction [Line Items]
Balances in non-interest-bearing deposits	6,902.2		5,541.4
Balances in interest-bearing deposits	1,482.7		1,341.6
Accrued expenses and other liabilities	0		0
Total	8,384.9		6,883
Related Party
Related Party Transaction [Line Items]
Balances in non-interest-bearing deposits	18,235.3	292.7	34,889.5
Balances in interest-bearing deposits	12,184	195.5	26,941.9
Accrued expenses and other liabilities	192.5	3.1	143.2
Total	₨ 30,611.8	$ 491.3	₨ 61,974.6

Balances Receivable from Relate

Balances Receivable from Related Parties (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Related Party Transaction [Line Items]
Loans	₨ 267.7	$ 4.3	₨ 450.9
Other assets	593.7	9.5	828
Total	861.4	$ 13.8	1,278.9
Principal Owner
Related Party Transaction [Line Items]
Loans	0		0
Other assets	150.4		126.4
Total	150.4		126.4
Others
Related Party Transaction [Line Items]
Loans	267.7		450.9
Other assets	443.3		701.6
Total	₨ 711		₨ 1,152.5

Related Party Transactions - Ad

Related Party Transactions - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)	Mar. 31, 2013INR (₨)	Mar. 31, 2015USD ($)
Related Party Transaction [Line Items]
Purchase of investments from others	₨ 9,326.3		₨ 2,365.6
Sale of investments from others	3,374.1		4,117.4
Investments of others	104,257.6	$ 1,673.2	146,341.9	₨ 162,705.7
Dividend paid to HDFC Limited	19,300.5	$ 309.7	15,372.6	₨ 11,787
Foreign exchange and derivative contracts, notional principal amount	9,174,300.6		6,763,481.6		$ 147,236.5
Bank guarantees	555,586.6		441,559.3		$ 8,916.5
Tier II bonds
Related Party Transaction [Line Items]
Investments of others	900		900
Principal Owner
Related Party Transaction [Line Items]
Fixed assets Purchased from related parties	0		0
Bank guarantees	1.1		1.1
Others
Related Party Transaction [Line Items]
Bank guarantees	13.4		0.4
Housing Development Finance Corporation Limited
Related Party Transaction [Line Items]
Dividend paid to HDFC Limited	2,693.5		2,162.7
Foreign exchange and derivative contracts, notional principal amount	2,500		1,000
Foreign exchange and derivative contracts, mark to market gains	70.8		18
''AAA'' rated home loans | Housing Development Finance Corporation Limited
Related Party Transaction [Line Items]
"AAA" rated home loans purchased	₨ 82,492.1		₨ 55,560.7

Significant Transactions with R

Significant Transactions with Related Parties Included in Determination of Net Income (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)	Mar. 31, 2013INR (₨)
Fees and Commissions
Related Party Transaction [Line Items]
Related party transaction revenues	₨ 8,552.5	$ 137.3	₨ 6,659.7	₨ 8,085.4
Interest and Dividend
Related Party Transaction [Line Items]
Related party transaction revenues	73.4	1.2	110.8	19.1
Deposits
Related Party Transaction [Line Items]
Related party transaction expenses	(300.8)	(4.8)	(287.9)	(229.7)
General and Administrative and Other Operating Expenses
Related Party Transaction [Line Items]
Related party transaction expenses	(2,400.9)	(38.5)	(2,519.9)	(1,573.1)
Premises and Equipment Expense
Related Party Transaction [Line Items]
Related party transaction expenses	(27.6)	$ (0.4)	(28.9)	(29.6)
Principal Owner | Fees and Commissions
Related Party Transaction [Line Items]
Related party transaction revenues	1,443.7		1,308.1	1,395.9
Principal Owner | Interest and Dividend
Related Party Transaction [Line Items]
Related party transaction revenues	0		0	0
Principal Owner | Deposits
Related Party Transaction [Line Items]
Related party transaction expenses	(76)		(88.3)	(97.9)
Principal Owner | General and Administrative and Other Operating Expenses
Related Party Transaction [Line Items]
Related party transaction expenses	(1,377.9)		(839.9)	(462.4)
Principal Owner | Premises and Equipment Expense
Related Party Transaction [Line Items]
Related party transaction expenses	(20.4)		(17.2)	(17)
Others | Fees and Commissions
Related Party Transaction [Line Items]
Related party transaction revenues	7,108.8		5,351.6	6,689.5
Others | Interest and Dividend
Related Party Transaction [Line Items]
Related party transaction revenues	73.4		110.8	19.1
Others | Deposits
Related Party Transaction [Line Items]
Related party transaction expenses	(224.8)		(199.6)	(131.8)
Others | General and Administrative and Other Operating Expenses
Related Party Transaction [Line Items]
Related party transaction expenses	(1,023)		(1,680)	(1,110.7)
Others | Premises and Equipment Expense
Related Party Transaction [Line Items]
Related party transaction expenses	₨ (7.2)		₨ (11.7)	₨ (12.6)

Earnings Per Equity Share - Add

Earnings Per Equity Share - Additional Information (Detail) - shares shares in Millions	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Employees Stock Option Scheme
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Potential equity shares excluded from the calculation of diluted earnings per share, average outstanding balance	30.7	34.9

Weighted Average Number of Equi

Weighted Average Number of Equity Shares Used in Computing Earnings Per Equity Share (Detail) - shares	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2013
Schedule of Weighted Average Number of Diluted Shares Outstanding [Line Items]
Weighted average number of equity shares used in computing basic earnings per equity share	2,423,777,245	2,390,295,703	2,360,974,835
Effect of potential equity shares for stock options outstanding	23,563,558	17,849,608	25,132,636
Weighted average number of equity shares used in computing diluted earnings per equity share	2,447,340,803	2,408,145,311	2,386,107,471

Reconciliations of Basic and Di

Reconciliations of Basic and Diluted Earnings Per Equity Share and Earnings per American Depositary Shares (Detail)	12 Months Ended
	Mar. 31, 2015₨ / shares	Mar. 31, 2015$ / shares	Mar. 31, 2014₨ / shares	Mar. 31, 2013₨ / shares
Earnings Per Share Disclosure [Line Items]
Basic earnings per share | (per share)	₨ 40.94	$ 0.66	₨ 33.18	₨ 26.18
Effect of potential equity shares for stock options outstanding | (per share)	0.39	0.01	0.24	0.27
Diluted earnings per share | (per share)	40.55	0.65	32.94	25.91
Basic earnings per ADS | (per share)	122.82	1.98	99.54	78.54
Diluted earnings per ADS | (per share)	121.65	1.95	98.82	77.73
American Depository Shares | Stock Compensation Plan
Earnings Per Share Disclosure [Line Items]
Effect of potential equity shares for stock options outstanding | (per share)	₨ 1.17	$ 0.03	₨ 0.72	₨ 0.81

Regulatory Capital Requirements

Regulatory Capital Requirements under Banking Regulations- Dividend (Detail) - INR (₨) ₨ / shares in Units, ₨ in Millions	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2013
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Required transfer of after tax Indian GAAP profit to a non-distributable statutory reserve in order to pay dividends without prior RBI approval	25.00%
Net income calculated under Indian GAAP	₨ 102,159.2
Dividends declared	₨ 8	₨ 6.85	₨ 5.50
Indian GAAP
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Dividend payout, description of restrictions	As per the RBI guidelines, the dividend payout (excluding dividend tax) for March 31, 2015 cannot exceed 35% of net income of Rs. 102,159.2 million as calculated under Indian GAAP.
Indian GAAP | Maximum
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Dividend payout, maximum pay out as a percentage of net income calculated under Indian GAAP	35.00%

Subsidiaries - Additional Infor

Subsidiaries - Additional Information (Detail)	Mar. 31, 2015
Atlas Documentary Facilitators Company Private Ltd
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]
The stake-holding of the Bank	59.00%
HBL Global Private Ltd
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]
The stake-holding of the Bank	98.00%
HDB Financial Services Limited
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]
The stake-holding of the Bank	97.40%
HDFC Securities Ltd.
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]
The stake-holding of the Bank	97.90%

Investments in Affiliates - Add

Investments in Affiliates - Additional Information (Detail) - INR (₨) ₨ in Millions	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Investments in and Advances to Affiliates [Line Items]
Maximum equity stake holdings in another company without prior approval of RBI	30.00%
Affiliates
Investments in and Advances to Affiliates [Line Items]
Increase/ (decrease) in the carrying value in companies	₨ 27.5	₨ 53.3

Investments in Affiliates (Deta

Investments in Affiliates (Detail) - Mar. 31, 2015 - INR (₨) ₨ in Millions	Total
Computer Age Management Services Private Limited (''CAMS'')
Investments in and Advances to Affiliates [Line Items]
Type of Business	Unit capital accounting and transfer agency services
HDFC Bank Ltd. and subsidiaries Investment	₨ 9.8
Investments in affiliates	12.10%
Softcell Technologies Limited (''Softcell'')
Investments in and Advances to Affiliates [Line Items]
Type of Business	Business-to-business software services
HDFC Bank Ltd. and subsidiaries Investment	₨ 30.3
Investments in affiliates	14.00%
International Asset Reconstruction Company Private Limited
Investments in and Advances to Affiliates [Line Items]
Type of Business	Business of securitization and asset reconstruction
HDFC Bank Ltd. and subsidiaries Investment	₨ 311.7
Investments in affiliates	29.40%
HDFC Group Ownership | Computer Age Management Services Private Limited (''CAMS'')
Investments in and Advances to Affiliates [Line Items]
Investments in affiliates	23.20%
HDFC Group Ownership | Softcell Technologies Limited (''Softcell'')
Investments in and Advances to Affiliates [Line Items]
Investments in affiliates	26.00%
HDFC Group Ownership | International Asset Reconstruction Company Private Limited
Investments in and Advances to Affiliates [Line Items]
Investments in affiliates	29.40%

Fair Value Measurement - Additi

Fair Value Measurement - Additional Information (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investments, at cost	₨ 704.4	$ 11.3	₨ 695.4

Investments Measured at Fair Va

Investments Measured at Fair Value on Recurring Basis (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Fair Value, Assets and Liabilities Measured on Recurring Basis [Line Items]
Trading account securities	₨ 61,292.8	$ 983.7	₨ 65,077.9
Securities Available-for-Sale	1,504,412.8	24,144.1	908,824.3
Fair Value Measurements Using Quoted Prices In Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring Basis [Line Items]
Trading account securities	0		25.9
Fair Value Measurements Using Significant other observable inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring Basis [Line Items]
Trading account securities	61,292.8		65,052
Fair Value Measurements Using Significant unobservable inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring Basis [Line Items]
Trading account securities	0		0
Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring Basis [Line Items]
Trading account securities	61,292.8		65,077.9
Securities Available-for-Sale	1,503,708.4		908,128.9
Investments	1,565,001.2	25,116.5	973,206.8
Fair Value, Measurements, Recurring | Fair Value Measurements Using Quoted Prices In Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring Basis [Line Items]
Trading account securities	0		25.9
Securities Available-for-Sale	105,008.8		341.1
Investments	105,008.8	1,685.4	367
Fair Value, Measurements, Recurring | Fair Value Measurements Using Significant other observable inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring Basis [Line Items]
Trading account securities	61,292.8		65,052
Securities Available-for-Sale	1,382,450.2		907,787.8
Investments	1,443,743	23,170.3	972,839.8
Fair Value, Measurements, Recurring | Fair Value Measurements Using Significant unobservable inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring Basis [Line Items]
Trading account securities	0		0
Securities Available-for-Sale	16,249.4		0
Investments	₨ 16,249.4	$ 260.8	₨ 0

Information about Changes in Fa

Information about Changes in Fair Value of Level 3 Assets (Detail) - Asset-backed securities - INR (₨) ₨ in Millions	12 Months Ended
	Mar. 31, 2015
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Beginning balance	₨ 0
Included in earnings	0
Included in other comprehensive income	(315)
Purchases/additions	16,564.4
Sales	0
Issuances	0
Settlements	0
Transfers in Level 3	0
Transfers out of Level 3	0
Foreign currency translation adjustment	0
Ending Balance	16,249.4
Total amount of gains or (losses) included in earnings attributable to change in unrealized gains or (losses) relating to assets still held at reporting date	₨ 0

Derivative Instruments Measured

Derivative Instruments Measured at Fair Value on Recurring Basis (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2015INR (₨)	Mar. 31, 2015USD ($)	Mar. 31, 2014INR (₨)
Fair Value, Assets and Liabilities Measured on Recurring Basis [Line Items]
Derivative assets	₨ 72,415.7	$ 1,162.2	₨ 142,479.3
Derivative liabilities	71,767.5	$ 1,151.8	124,176.3
Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring Basis [Line Items]
Derivative assets	72,415.7		142,479.3
Derivative liabilities	71,767.5		124,176.3
Fair Value, Measurements, Recurring | Fair Value Measurements Using Quoted Prices In Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring Basis [Line Items]
Derivative assets	0		0
Derivative liabilities	0		0
Fair Value, Measurements, Recurring | Fair Value Measurements Using Significant other observable inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring Basis [Line Items]
Derivative assets	72,415.7		142,479.3
Derivative liabilities	71,767.5		124,176.3
Fair Value, Measurements, Recurring | Fair Value Measurements Using Significant unobservable inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring Basis [Line Items]
Derivative assets	0		0
Derivative liabilities	₨ 0		₨ 0

Subsequent Events - Additional

Subsequent Events - Additional Information (Detail) - 1 months ended Jul. 21, 2015 - Subsequent Event - INR (₨) ₨ / shares in Units, ₨ in Millions	Total
Dividend paid
Subsequent Event [Line Items]
Dividend paid, per share amount	₨ 8
Dividend paid, total amount	₨ 24,016.9
Dividend paid including tax, subsequent to date	Jul. 21, 2015
Dividend Declared
Subsequent Event [Line Items]
Dividend declared, date approved	Jul. 21, 2015
Dividend declared, board of directors meeting date	Apr. 23, 2015