HDFC Bank Limited (HDB) 20-F 31 Jul 19 2019 FY Annual report (foreign) Financial data

Document and Entity Information

Document and Entity Information	12 Months Ended
	Mar. 31, 2019shares
Document Type	20-F
Amendment Flag	false
Document Period End Date	Mar. 31, 2019
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	FY
Trading Symbol	HDB
Entity Registrant Name	HDFC BANK LTD
Entity Central Index Key	0001144967
Current Fiscal Year End Date	--03-31
Entity Well-known Seasoned Issuer	Yes
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Interactive Data Current	Yes
Document Annual Report	true
Document Transition Report	false
Document Shell Company Report	false
Security 12(b) Title	American Depositary Shares, each representing three Equity Shares, Par value Rs. 2.0 per share
Security Exchange Name	NYSE
Entity Shell Company	false
Entity Emerging Growth Company	false
Entity Filer Category	Large Accelerated Filer
Entity Common Stock, Shares Outstanding	2,723,306,610

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS ₨ in Millions, $ in Millions	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
ASSETS:
Cash and due from banks, and restricted cash	₨ 734,872.6	$ 10,625.7	₨ 574,151
Investments held for trading, at fair value	265,516.1	3,839.2	167,513.9
Investments available for sale debt securities, at fair value [includes restricted investments of Rs. 1,354,027.6 and Rs.1,634,673.3 (US$ 23,636.1), as of March 31, 2018 and March 31, 2019, respectively]	2,633,348.4	38,076.2	2,221,443.3
Securities purchased under agreements to resell	76,213.5	1,102	650,018.6
Loans [net of allowance of Rs. 112,507.2 and Rs. 148,232.0 (US$ 2,143.4), as of March 31, 2018 and March 31, 2019, respectively]	8,963,232.6	129,601.3	7,263,671.8
Accrued interest receivable	93,031.7	1,345.2	77,894.7
Property and equipment, net	43,187.8	624.5	38,968.1
Intangible assets, net	0	0	1
Goodwill	74,937.9	1,083.5	74,937.9
Other assets	395,733	5,722.1	298,708.5
Total assets	13,280,073.6	192,019.7	11,367,308.8
Liabilities:
Interest-bearing deposits	7,804,717.5	112,850.2	6,693,649.3
Non-interest-bearing deposits	1,420,309.4	20,536.6	1,190,102.2
Total deposits	9,225,026.9	133,386.8	7,883,751.5
Securities sold under repurchase agreements	174,000	2,515.9	138,000
Short-term borrowings	654,058	9,457.2	779,201.7
Accrued interest payable	79,372.5	1,147.7	65,514.4
Long-term debt	1,044,553	15,103.4	932,906.3
Accrued expenses and other liabilities	467,438.6	6,758.8	391,441.6
Total liabilities	11,644,449	168,369.8	10,190,815.5
Commitments and contingencies (see note 27)
Shareholders' equity:
Equity shares: par value-Rs. 2.0 each; authorized 3,250,000,000 shares and 3,250,000,000 shares; issued and outstanding 2,595,090,267 shares and 2,723,306,610 shares, as of March 31, 2018 and March 31, 2019, respectively	5,446.6	78.8	5,190.2
Additional paid-in capital	739,763.6	10,696.4	476,570.4
Retained earnings	587,235.2	8,491	462,876.2
Statutory reserve	288,321.1	4,168.9	233,323.5
Accumulated other comprehensive income (loss)	11,808.8	170.7	(3,796.7)
Total HDFC Bank Limited shareholders' equity	1,632,575.3	23,605.8	1,174,163.6
Noncontrolling interest in subsidiaries	3,049.3	44.1	2,329.7
Total shareholders' equity	1,635,624.6	23,649.9	1,176,493.3
Total liabilities and shareholders' equity	₨ 13,280,073.6	$ 192,019.7	₨ 11,367,308.8

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) ₨ in Millions, $ in Millions	Mar. 31, 2019INR (₨)₨ / sharesshares	Mar. 31, 2019USD ($)shares	Mar. 31, 2018INR (₨)₨ / sharesshares	Mar. 31, 2018USD ($)shares
Investments available for sale, at fair value, restricted investments	₨ 1,634,673.3	$ 23,636.1	₨ 1,354,027.6
Loans, allowance	₨ 148,232	$ 2,143.4	₨ 112,507.2	$ 1,626.8
Equity shares, par value | ₨ / shares	₨ 2		₨ 2
Equity shares, authorized	3,250,000,000	3,250,000,000	3,250,000,000	3,250,000,000
Equity shares, issued	2,723,306,610	2,723,306,610	2,595,090,267	2,595,090,267
Equity shares, outstanding	2,723,306,610	2,723,306,610	2,595,090,267	2,595,090,267

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)₨ / shares	Mar. 31, 2019USD ($)$ / shares	Mar. 31, 2018INR (₨)₨ / shares	Mar. 31, 2017INR (₨)₨ / shares
Interest and dividend revenue:
Loans	₨ 827,683	$ 11,967.7	₨ 667,458.7	₨ 552,686.8
Trading securities	8,892.9	128.6	4,049.1	5,041.8
Available for sale debt securities	190,992.5	2,761.6	158,209.2	154,618.6
Other	14,146.5	204.5	13,748.3	13,207.1
Total interest and dividend revenue	1,041,714.9	15,062.4	843,465.3	725,554.3
Interest expense:
Deposits	410,026.4	5,928.7	326,717.8	308,078.3
Short-term borrowings	39,054.3	564.7	26,004.4	21,821.9
Long-term debt	85,081.1	1,230.2	67,297.5	43,781.1
Other	47.5	0.7	295	77.4
Total interest expense	534,209.3	7,724.3	420,314.7	373,758.7
Net interest revenue	507,505.6	7,338.1	423,150.6	351,795.6
Provision for credit losses	72,279.3	1,045.1	59,397.8	37,951.4
Net interest revenue after provision for credit losses	435,226.3	6,293	363,752.8	313,844.2
Non-interest revenue, net:
Fees and commissions	134,155.2	1,939.8	120,060.9	94,120.3
Trading securities gain/(loss), net	1,028.4	14.9	(63.4)	467.2
Realized gain/(loss) on sales of available for sale debt securities, net	2,596	37.5	10,853.2	9,606.2
Other than temporary impairment losses on available for sale debt securities	(1,081)	(15.6)	(149.1)	(13.4)
Foreign exchange transactions	1,917.8	27.7	6,209.5	11,282.7
Derivatives gain/(loss), net	12,409.1	179.4	6,742.6	(5,738.5)
Other, net	9,096.7	131.5	953.3	601.6
Total non-interest revenue, net	160,122.2	2,315.2	144,607	110,326.1
Total revenue, net	595,348.5	8,608.2	508,359.8	424,170.3
Non-interest expense:
Salaries and staff benefits	104,652.6	1,513.2	98,483.7	92,663
Premises and equipment	29,527.7	426.9	29,816.9	28,024.2
Depreciation and amortization	12,247.8	177.1	9,678.9	8,876.9
Administrative and other	108,960.4	1,575.5	93,272.9	74,637.7
Amortization of intangible assets	1	0	1	3
Total non-interest expense	255,389.5	3,692.7	231,253.4	204,204.8
Income before income tax expense	339,959	4,915.5	277,106.4	219,965.5
Income tax expense	119,393.5	1,726.3	98,272.5	79,224.9
Net income before noncontrolling interest	220,565.5	3,189.2	178,833.9	140,740.6
Less: Net income attributable to shareholders of noncontrolling interest	461.7	6.7	319	210.8
Net income attributable to HDFC Bank Limited	₨ 220,103.8	$ 3,182.5	₨ 178,514.9	₨ 140,529.8
Per share information:
Earnings per equity share-basic | (per share)	₨ 82.13	$ 1.19	₨ 69.18	₨ 55.23
Earnings per equity share-diluted | (per share)	81.31	1.18	68.29	54.57
Per ADS information (where 1 ADS represents 3 shares):
Earnings per ADS-basic | (per share)	246.39	3.57	207.54	165.69
Earnings per ADS-diluted | (per share)	243.93	3.54	204.87	163.71
Dividends declared per equity share | (per share)	₨ 15	$ 0.2	₨ 13	₨ 11

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)	Mar. 31, 2017INR (₨)
Net income before noncontrolling interest	₨ 220,565.5	$ 3,189.2	₨ 178,833.9	₨ 140,740.6
Foreign currency translation adjustment:
Net unrealized gain (loss) arising during the period [net of tax Rs. 110.6, Rs. (39.6) and Rs. (356.6), as of March 31, 2017, March 31, 2018 and March 31, 2019, respectively]	663.9	9.6	72.1	(209.2)
Available for sale debt securities:
Net unrealized gain (loss) arising during the period [net of tax Rs. (9,478.8), Rs. 11,319.5 and Rs. (9,187.8), as of March 31, 2017, March 31, 2018 and March 31, 2019, respectively]	17,105.1	247.3	(21,445.3)	17,910.7
Reclassification adjustment for net (gain) loss included in net income [net of tax Rs. 1,685.7, Rs. 4,541.5 and Rs. 1,018.1, as of March 31, 2017, March 31, 2018 and March 31, 2019, respectively]	(1,895.5)	(27.4)	(8,455.1)	(3,185.2)
Other comprehensive income, net of tax	15,873.5	229.5	(29,828.3)	14,516.3
Total comprehensive income	236,439	3,418.7	149,005.6	155,256.9
Less: Comprehensive income attributable to shareholders of noncontrolling interest	461.7	6.7	319	210.8
Comprehensive income attributable to HDFC Bank Limited	₨ 235,977.3	$ 3,412	₨ 148,686.6	₨ 155,046.1

CONSOLIDATED STATEMENTS OF CO_2

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Parenthetical) - INR (₨) ₨ in Millions	12 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2017
Net unrealized gain (loss) arising during the period, tax	₨ (356.6)	₨ (39.6)	₨ 110.6
Net unrealized gain (loss) arising during the period, tax	(9,187.8)	11,319.5	(9,478.8)
Reclassification adjustment for net (gain) loss included in net income, tax	₨ 1,018.1	₨ 4,541.5	₨ 1,685.7

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)	Mar. 31, 2017INR (₨)
Cash flows from operating activities:
Net income before noncontrolling interest	₨ 220,565.5	$ 3,189.2	₨ 178,833.9	₨ 140,740.6
Adjustment to reconcile net income to net cash provided by operating activities
Provision for credit losses	72,279.3	1,045.1	59,397.8	37,951.4
Depreciation and amortization	12,247.8	177.1	9,678.9	8,876.9
Amortization of intangible assets	1	0	1	3
Amortization of deferred customer acquisition costs and fees	10,423.1	150.7	9,246.2	7,913.8
Amortization of premium (discount) on investments	4,532.1	65.5	3,599.4	2,609.8
Other than temporary impairment losses on available for sale debt securities	1,081	15.6	149.1	13.4
Deferred tax benefit	(8,129.4)	(117.6)	(10,403.5)	(5,048.6)
Other gains, net	(6,717.5)	(97.1)	0	0
Share-based compensation expense	5,343.3	77.3	6,594.6	8,203.2
Net realized (gain) loss on sale of available for sale debt securities	(2,596)	(37.5)	(10,853.2)	(9,606.2)
(Gain) loss on disposal of property and equipment, net	(64.8)	(0.9)	(64.5)	14.8
Unrealized exchange (gain) loss	574.6	8.3	1,719.5	407.9
Net change in:
Investments held for trading	(96,555.7)	(1,396.1)	(131,816.3)	35,241.8
Accrued interest receivable	(15,060.3)	(217.8)	(10,527.8)	(9,083.4)
Other assets	(112,726.3)	(1,629.9)	90,525.6	(65,542.3)
Accrued interest payable	13,775	199.2	20,997.1	3,286.3
Accrued expense and other liabilities	84,299.5	1,218.9	(122,803.6)	223,289.8
Net cash provided by operating activities	183,272.2	2,650	94,274.2	379,272.2
Cash flows from investing activities:
Term placements	24,447.4	353.5	(8,806.4)	17,830.3
Activity in available for sale debt securities:
Purchases	(1,781,754.9)	(25,762.8)	(1,518,100.1)	(2,890,096.8)
Proceeds from sales	453,778.9	6,561.3	197,206.3	412,536.2
Maturities, prepayments and calls	937,072	13,549.3	1,171,299.5	2,274,701.2
Net change in repurchase agreements and reverse repurchase agreements	609,805.1	8,817.3	(462,018.6)	(355,040.1)
Loans purchased	(240,356.2)	(3,475.4)	(55,216)	(128,490.2)
Repayments on loans purchased	89,713.3	1,297.2	76,993.2	59,803.7
Increase in loans originated, net of principal collections	(1,610,724.3)	(23,289.8)	(1,440,601.9)	(956,914.2)
Additions to property and equipment	(16,355)	(236.5)	(9,181.5)	(12,628.5)
Proceeds from sale or disposal of property and equipment	212.3	3.1	95.1	94.3
Activity in equity securities, net	(2,821.4)	(40.8)	4.7	0
Net cash used in investing activities	(1,536,982.8)	(22,223.6)	(2,048,325.7)	(1,578,204.1)
Cash flows from financing activities:
Net increase in deposits	1,331,850.9	19,257.5	1,447,097	979,662.7
Net increase (decrease) in short-term borrowings	(127,707.1)	(1,846.5)	456,558.6	68,703.2
Purchase of subsidiary shares from noncontrolling interest	0	0	(143.3)	0
Proceeds from issue of shares by a subsidiary to noncontrolling interests	459.8	6.6	366.5	301.9
Proceeds from issuance of long-term debt	320,093.6	4,628.3	425,517.1	335,048.9
Repayment of long-term debt	(224,084.5)	(3,240.1)	(225,150.2)	(123,074.3)
Proceeds from issuance of equity shares for options exercised	22,008.2	318.2	27,259.1	22,615.1
Proceeds from issuance of equity shares (net of issuance cost)	235,896.2	3,410.9	0	0
Payment of dividends and dividend tax	(41,015.2)	(593)	(34,490.3)	(29,280.9)
Net cash provided by financing activities	1,517,501.9	21,941.9	2,097,014.5	1,253,976.6
Effect of exchange rate changes on cash and due from banks, and restricted cash	(3,069.7)	(44.4)	479.4	(2,007.8)
Net change in cash and due from banks, and restricted cash	160,721.6	2,323.9	143,442.4	53,036.9
Cash and due from banks, and restricted cash, beginning of year	574,151	8,301.8	430,708.6	377,671.7
Cash and due from banks, and restricted cash, end of year	734,872.6	10,625.7	574,151	430,708.6
Supplementary cash flow information:
Interest paid	520,351.2	7,523.9	399,287.9	370,455.4
Income taxes paid, net of refunds	119,365	1,725.9	100,089.3	76,849.6
Non-cash investment activities
Payable for purchase of property and equipment	₨ 1,323.7	$ 19.1	₨ 1,064.5	₨ 537.8

CONSOLIDATED STATEMENTS OF SHAR

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY ₨ in Millions, $ in Millions	INR (₨)shares	USD ($)shares	Equity SharesINR (₨)shares	Equity SharesUSD ($)shares	Additional Paid In CapitalINR (₨)	Additional Paid In CapitalUSD ($)	Retained EarningsINR (₨)	Retained EarningsUSD ($)	Statutory ReserveINR (₨)		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 ($)	Noncontrolling InterestINR (₨)	Noncontrolling InterestUSD ($)
Balance at Mar. 31, 2016	₨ 870,795.2		₨ 5,056.4		₨ 412,264.5		₨ 290,542.4		₨ 149,931.6				₨ 11,515.3		₨ 869,310.2		₨ 1,485
Balance at Mar. 31, 2016 | shares			2,528,186,517	2,528,186,517
Shares issued upon exercise of options	22,615.1		₨ 68.7		22,546.4										22,615.1
Shares issued upon exercise of options (in shares) | shares			34,359,200	34,359,200
Share-based compensation	8,203.2				8,203.2										8,203.2
Dividends, including dividend tax	(29,280.9)						(29,280.9)								(29,280.9)
Change in ownership interest in subsidiary	9.7				(292.3)		452.2								159.9		(150.2)
Shares issued to noncontrolling interest	301.9														0		301.9
Transfer to statutory reserve	0						(37,771.6)		37,771.6						0
Net income	140,740.6						140,529.8								140,529.8		210.8
Net change in accumulated other comprehensive income	14,516.3												14,516.3		14,516.3
Balance at Mar. 31, 2017	1,027,901.1		₨ 5,125.1		442,721.8		364,471.9		187,703.2	[1]			26,031.6		1,026,053.6		1,847.5
Balance at Mar. 31, 2017 | shares			2,562,545,717	2,562,545,717
Shares issued upon exercise of options	27,259.1		₨ 65.1		27,194										27,259.1
Shares issued upon exercise of options (in shares) | shares			32,544,550	32,544,550
Share-based compensation	6,594.6				6,594.6										6,594.6
Dividends, including dividend tax	(34,490.3)						(34,490.3)								(34,490.3)
Change in ownership interest in subsidiary	(143.3)				60										60		(203.3)
Shares issued to noncontrolling interest	366.5														0		366.5
Transfer to statutory reserve	0						(45,620.3)		45,620.3	[1]					0
Net income	178,833.9						178,514.9								178,514.9		319
Net change in accumulated other comprehensive income	(29,828.3)												(29,828.3)		(29,828.3)
Balance at Mar. 31, 2018	₨ 1,176,493.3		₨ 5,190.2		476,570.4		462,876.2		233,323.5	[1]			(3,796.7)		1,174,163.6		2,329.7
Balance at Mar. 31, 2018 | shares	2,595,090,267	2,595,090,267	2,595,090,267	2,595,090,267
Adoption of accounting standard	₨ 0						268						(268)		0
Shares issued in public offering (net of issuance cost of Rs. 1,262.9 million)	235,896.2		₨ 208.9		235,687.3										235,896.2
Shares issued in public offering (in Shares) | shares			104,444,039	104,444,039
Shares issued upon exercise of options	22,008.2		₨ 47.5		21,960.7										22,008.2
Shares issued upon exercise of options (in shares) | shares			23,772,304	23,772,304
Share-based compensation	5,343.3				5,343.3										5,343.3
Dividends, including dividend tax	(41,015.2)						(41,015.2)								(41,015.2)
Change in ownership interest in subsidiary	0				201.9										201.9		(201.9)
Shares issued to noncontrolling interest	459.8														0		459.8
Transfer to statutory reserve	0						(54,997.6)		54,997.6	[1]					0
Net income	220,565.5	$ 3,189.2					220,103.8								220,103.8		461.7
Net change in accumulated other comprehensive income	15,873.5	229.5											15,873.5		15,873.5
Balance at Mar. 31, 2019	₨ 1,635,624.6	$ 23,649.9	₨ 5,446.6	$ 78.8	₨ 739,763.6	$ 10,696.4	₨ 587,235.2	$ 8,491	₨ 288,321.1	[1]	$ 4,168.9		₨ 11,808.8	$ 170.7	₨ 1,632,575.3	$ 23,605.8	₨ 3,049.3	$ 44.1
Balance at Mar. 31, 2019 | shares	2,723,306,610	2,723,306,610	2,723,306,610	2,723,306,610
[1]	Under local regulations, the Bank is required to transfer 25% of its profit after tax (per Indian GAAP) to a non-distributable statutory reserve and to meet certain other conditions in order to pay dividends without prior RBI approval.

CONSOLIDATED STATEMENTS OF SH_2

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (Parenthetical) ₨ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)
Shares issued in public offering, issuance cost	₨ 1,262.9

Bank overview

Bank overview	12 Months Ended
	Mar. 31, 2019
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. Global Depositary Receipts (GDR) which were listed on the Luxembourg Stock Exchange have since been delisted effective July 15, 2019. The Bank’s largest shareholder is Housing Development Finance Corporation Limited (“HDFC Limited”), which, along with its subsidiaries, owns 20.9% and 21.4% of the Bank’s equity as of March 31, 2018 and March 31, 2019, respectively. The remainder of the Bank’s equity is widely held by the public and by foreign and Indian institutional investors. On July 17, 2018, the Bank made a preferential allotment of 39,096,817 equity shares to Housing Development Finance Corporation Limited at an issue price of Rs. 2,174.09 per equity share. On August 2, 2018, the Bank issued 17,500,000 American Depositary Shares (ADSs) representing 52,500,000 equity shares at a price of US$ 104.00 per ADS. The Bank also allotted 12,847,222 equity shares pursuant to a qualified institutional placement (QIP) offering at a price of Rs. 2,160.0 per equity shares. The total number of shares issued pursuant to exercise of stock options during the period is 23,772,304 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, 2019
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 and/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 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 taxes, stock-based compensation, 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 due from banks, Cash and due from banks comprise of cash and deposit with banks that have original maturities of 90 days or less. The Bank has captioned cash and cash equivalent as “cash and due from banks, and restricted cash” on the consolidated balance sheets. Cash and due from banks includes restricted cash (see note 3). e. Customer acquisition costs Customer acquisition costs principally consist of commissions paid to third party referral agents who source 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 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 7 and on concentrations of credit risk in note 11. 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 net income. 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. All debt securities that are not classified as HTM or HFT are classified as available for sale debt securities (“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. Up to March 31, 2018, equity securities with readily determinable fair values that were not classified as HFT were classified as available for sale and were carried at fair value. Unrealized gains and losses on such securities, net of applicable taxes, were reported in accumulated other comprehensive income (loss), a separate component of shareholders’ equity. Dividend income on such securities was included in Interest and dividend revenue- available for sale debt securities. Non-marketable equity securities were carried at cost. The Bank adopted ASU 2016-01 2018-03 available-for-sale catch-up 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 debt securities Declines in the fair values of held to maturity and available for sale debt securities below their carrying value that are other than temporary are reflected in net income as other than temporary impairment losses, based on management’s best estimate of the fair value of the investment. The Bank conducts a review each year to identify other than temporary declines based on an evaluation of all significant factors. The Bank’s review of impairment generally entails identification and evaluation of investments that have indications of possible impairment, 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. Estimates of any declines in the fair values of credit substitute securities that are other than temporary are measured on a case-by-case 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. Loan origination fees and certain direct origination costs are generally deferred and recognized as adjustments to net income over the lives of the related loans. Interest is accrued on the unpaid principal balance and is included in interest income. Loans are generally placed on “non-accrual” non-accrual “non-accrual” 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 allowance and allowance for loans collectively evaluated for impairment (termed as “unallocated allowance”). 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 180 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 180 days past due for personal loans, credit card receivables, 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 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 may not be recovered. Subsequent recoveries, if any, against write-off 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. Collateral values are generally based on appraisals from internal and external valuation sources. 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 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 special purpose entities (SPEs) 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 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. 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. The scope conditions examined include whether the entities’ equity investment at risk is insufficient to finance the activities without subordinated financial support and whether the holders of equity lack the characteristics of a financial interest. A controlling financial interest includes characteristics such as ability to make decisions through voting or similar rights, unlimited obligation to absorb the entities expected losses, and unlimited rights to receive the entities expected residual returns. 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 expense and the net change in deferred tax assets or liabilities during the year. Deferred tax assets and liabilities are recognized for the future tax consequences of differences between the carrying values of assets and liabilities for financial reporting purposes and their respective tax bases, and for operating loss and tax credit carryforwards. Deferred tax assets are reduced by a valuation allowance to the amount that is more likely than not to be realized based on management’s judgment. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which the deferred tax assets or liabilities 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 more-likely-than-not 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 Fees and commissions from guarantees issued are amortized over the contractual period of the commitment. 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 under foreign exchange transactions. 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 p. Stock-based compensation The fair value of stock-based compensation is estimated on the date of each grant based on a binomial 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 under derivative gain/(loss) 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 offsets these risks 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 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 Intangible assets consist of branch network representing contractual and non-contractual Useful lives (years) Amortization method 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 i. In May 2014, the FASB issued ASU No. 2014-09 No. 2016-08, 2016-10, 2016-12, mark-to-market ii. In January 2016, the FASB issued ASU 2016-01 825-10)”. 2018-03, 825-10), ASU 2016-01. 2016-01 2018-03 available-for-sale catch-up after-tax iii. In March 2016, the FASB issued ASU 2016-04 “Liabilities—Extinguishments 405-20): de-recognition 2016-04 iv. In August 2016, the FASB issued ASU 2016-15 “Statement v. In October 2016, the FASB issued ASU 2016-16 “Income vi. In November 2016, the FASB issued ASU 2016-18 “Statement vii. In January 2017, the FASB issued ASU No. 2017-01 viii. In March 2017, the FASB issued ASU 2017-07 Non-interest Non-interest construction-in-progress, ix. In May 2017, the FASB issued ASU 2017-09 ASU 2017-09, 2016-09 x. In August 2017, the FASB issued ASU No. 2017-12 2017-12 x. Recently issued accounting pronouncements not yet effective In February 2016, the FASB issued ASU 2016-02 “Leases right-of-use 2018-11 In June 2016, the FASB issued ASU 2016-13 Available-for-Sale 2018-19 Subtopic 326-20. In January 2017, the FASB issued ASU No. 2017-04 one-step In March 2017, the FASB issued ASU 2017-08 310-20)—Premium 2017-08 No. 2018-07 2018-07 In August 2018, the FASB issued ASU No. 2018-13 In August 2018, the FASB issued ASU No. 2018-15 Other—Internal-Use (Subtopic 350-40): internal-use 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 fiscal year ended March 31, 2019 have been translated into U.S. dollars at U.S.$1.00 = Rs. 69.16 as published by the Federal Reserve Board of New York on March 29, 2019. 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 due from banks, and re

Cash and due from banks, and restricted cash	12 Months Ended
	Mar. 31, 2019
Cash and due from banks, and restricted cash	3. Cash and due from banks, and restricted cash 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 Non-maintenance The cash and due from banks, and restricted cash consist of restricted cash of Rs. 314,463.4 million and Rs.383,503.0 million (US$ 5,545.2 million) as at March 31, 2018 and March 31, 2019, respectively.

Investments

Investments	12 Months Ended
	Mar. 31, 2019
Held for Trading
Investments	4. Investments, held for trading The portfolio of trading securities as of March 31, 2018 and March 31, 2019 was as follows: As of March 31, 2018 Amortized Cost Gross Unrealized Gross Unrealized Fair Value (In millions) Government of India securities Rs. 25,962.2 Rs. 19.0 Rs. 8.0 Rs. 25,973.2 Other corporate/financial institution securities 49,982.3 62.8 0.4 50,044.7 Total debt securities Rs. 75,944.5 Rs. 81.8 Rs. 8.4 Rs. 76,017.9 Other securities (including mutual fund units) 91,488.6 7.4 0.0 91,496.0 Total Rs. 167,433.1 Rs. 89.2 Rs. 8.4 Rs. 167,513.9 As of March 31, 2019 Amortized Cost Gross Unrealized Gross Unrealized Fair Value (In millions) Government of India securities Rs. 134,084.9 Rs. 163.2 Rs. 0.1 Rs. 134,248.0 Other corporate/financial institution securities 33,990.6 15.8 1.1 34,005.3 Total debt securities Rs. 168,075.5 Rs. 179.0 Rs. 1.2 Rs. 168,253.3 Other securities (including mutual fund units) 96,935.6 327.2 0.0 97,262.8 Total Rs. 265,011.1 Rs. 506.2 Rs. 1.2 Rs. 265,516.1 Total US$ 3,831.9 US$ 7.3 US$ 0.0 US$ 3,839.2
Available-for-Sale Debt Securities
Investments	5. Investments, available for sale debt securities The portfolio of available for sale debt securities as of March 31, 2018 and March 31, 2019 was as follows: As of March 31, 2018 Amortized Cost Gross Unrealized Gross Unrealized Fair Value (In millions) Government of India securities Rs. 1,748,761.0 Rs. 9,169.5 Rs. 16,843.9 Rs. 1,741,086.6 State government securities 123,426.9 2,349.7 729.0 125,047.6 Government securities outside India 4,223.8 0.0 6.8 4,217.0 Credit substitutes (see note 7) 325,159.3 495.3 1,623.1 324,031.5 Other corporate/financial institution bonds 8,226.0 0.1 59.0 8,167.1 Debt securities, other than asset and mortgage-backed securities 2,209,797.0 12,014.6 19,261.8 2,202,549.8 Mortgage-backed securities 82.2 2.8 0.1 84.9 Asset-backed securities 18,966.5 62.9 358.7 18,670.7 Other securities (including mutual fund units) (1) 137.6 0.3 0.0 137.9 Total Rs. 2,228,983.3 Rs. 12,080.6 Rs. 19,620.6 Rs. 2,221,443.3 Securities with gross unrealized losses Rs. 1,174,742.9 Securities with gross unrealized gains 1,046,700.4 Rs. 2,221,443.3 As of March 31, 2019 Amortized Cost Gross Unrealized Gross Unrealized Fair Value (In millions) Government of India securities Rs. 2,147,934.6 Rs. 21,881.4 Rs. 9,834.9 Rs. 2,159,981.1 State government securities 144,633.7 4,864.6 475.7 149,022.6 Government securities outside India 7,201.6 3.3 0.0 7,204.9 Credit substitutes (see note 7) 273,550.7 899.9 1,563.8 272,886.8 Other corporate/financial institution bonds 3,925.0 30.9 6.3 3,949.6 Debt securities, other than asset and mortgage-backed securities 2,577,245.6 27,680.1 11,880.7 2,593,045.0 Mortgage-backed securities 56.3 1.0 0.4 56.9 Asset-backed securities 38,827.1 165.0 122.2 38,869.9 Other securities (including mutual fund units) (1) 1,376.3 0.3 0.0 1,376.6 Total Rs. 2,617,505.3 Rs. 27,846.4 Rs. 12,003.3 Rs. 2,633,348.4 Total US$ 37,847.2 US$ 402.6 US$ 173.6 US$ 38,076.2 Securities with gross unrealized losses Rs. 799,718.5 Securities with gross unrealized gains 1,833,629.9 Rs. 2,633,348.4 US$ 38,076.2 (1) The Bank adopted ASU 2016-01 2018-03 1, 2018, resulting in a cumulative effect adjustment from AOCI to retained earnings for net unrealized gains on marketable equity securities AFS. The available-for million effective April 1, 2018. See note 2 (w)(ii) and note 14 to the Consolidated Financial Statements for additional details. AFS investments of Rs. 1,866,134.2 million and Rs. 2,309,003.7 million (US$ 33,386.4 million) as of March 31, 2018 and March 31, 2019, respectively, are eligible towards the Bank’s statutory liquidity reserve requirements. These balances are subject to withdrawal and usage restrictions towards the reserve requirements, but may be freely traded by the Bank. Of these investments, Rs. 1,354,027.6 million as of March 31, 2018 and Rs. 1,634,673.3 million (US$ 23,636.1 million) as of March 31, 2019, were kept as margins for clearing, collateral borrowing and lending obligation (CBLO) and real time gross settlement (RTGS), with the Reserve Bank of India and other financial institutions. The Bank evaluated the impaired investments and has fully recognized an expense of Rs. 13.4 million, Rs. 149.1 million and Rs. 1,081.0 million (USD 15.6 million) as other than temporary impairment in fiscal year 2017, 2018 and 2019, 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 debt securities as of March 31, 2019 are temporary in nature. As of March 31, 2018 and March 31, 2019, 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 debt securities at March 31, 2018 was as follows: As of March 31, 2018 Less Than 12 Months 12 Months or Greater Total Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized (In millions) Government of India securities Rs.540,941.5 Rs.8,852.9 Rs.342,621.5 Rs.7,991.0 Rs.883,563.0 Rs.16,843.9 State government securities 31,940.1 729.0 0.0 0.0 31,940.1 729.0 Government securities outside India 4,217.0 6.8 0.0 0.0 4,217.0 6.8 Credit substitutes (see note 7) 159,026.1 1,002.8 73,734.9 620.3 232,761.0 1,623.1 Other corporate/financial institution bonds 4,057.2 51.8 4,109.6 7.2 8,166.8 59.0 Debt securities, other than asset and mortgage-backed securities 740,181.9 10,643.3 420,466.0 8,618.5 1,160,647.9 19,261.8 Mortgage-backed securities 57.0 0.1 0.0 0.0 57.0 0.1 Asset-backed securities 8,331.9 213.1 5,706.1 145.6 14,038.0 358.7 Other securities (including mutual fund units) 0.0 0.0 0.0 0.0 0.0 0.0 Total Rs.748,570.8 Rs.10,856.5 Rs.426,172.1 Rs.8,764.1 Rs.1,174,742.9 Rs.19,620.6 The gross unrealized losses and fair value of available for sale debt securities at March 31, 2019 was as follows: As of March 31, 2019 Less Than 12 Months 12 Months or Greater Total Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized (In millions) Government of India securities Rs. 0.0 Rs. 0.0 Rs. 568,759.0 Rs. 9,834.9 Rs. 568,759.0 Rs. 9,834.9 State government securities 0.0 0.0 27,415.5 475.7 27,415.5 475.7 Government securities outside India 0.0 0.0 0.0 0.0 0.0 0.0 Credit substitutes (see note 7) 17,996.3 88.1 165,700.5 1,475.7 183,696.8 1,563.8 Other corporate/financial institution bonds 0.0 0.0 2,117.6 6.3 2,117.6 6.3 Debt securities, other than asset and mortgage-backed securities 17,996.3 88.1 763,992.6 11,792.6 781,988.9 11,880.7 Mortgage-backed securities 0.0 0.0 45.7 0.4 45.7 0.4 Assetbacked securities 14,191.2 48.9 3,492.7 73.3 17,683.9 122.2 Other securities (including mutual fund units) 0.0 0.0 0.0 0.0 0.0 0.0 Total Rs. 32,187.5 Rs. 137.0 Rs. 767,531.0 Rs. 11,866.3 Rs. 799,718.5 Rs. 12,003.3 Total US$ 465.4 US$ 2.0 US$ 11,097.9 US$ 171.6 US$ 11,563.3 US$ 173.6 The contractual residual maturity of available for sale debt securities other than asset and mortgage-backed securities as of March 31, 2019 is set out below: As of March 31, 2019 Amortized Cost Fair Value Fair Value (In millions) Within one year Rs. 767,752.7 Rs. 769,080.4 US$ 11,120.3 Over one year through five years 547,095.3 554,493.3 8,017.5 Over five years through ten years 862,305.7 868,843.0 12,562.8 Over ten years 400,091.9 400,628.3 5,792.8 Total Rs. 2,577,245.6 Rs. 2,593,045.0 US$ 37,493.4 The contractual residual maturity of available for sale mortgage-backed and asset-backed debt securities as of March 31, 2019 is set out below: As of March 31, 2019 Amortized Cost Fair Value Fair Value (In millions) Within one year Rs. 19,027.9 Rs. 19,015.0 US$ 274.9 Over one year through five years 19,812.5 19,836.4 286.8 Over five years through ten years 13.2 13.0 0.2 Over ten years 29.8 62.4 0.9 Total Rs. 38,883.4 Rs. 38,926.8 US$ 562.8 Gross realized gains and gross realized losses from sale of available for sale debt securities and dividends and interest on such securities are set out below: Fiscal year ended March 31, 2017 2018 2019 2019 (In millions) Gross realized gains on sale Rs. 10,108.2 Rs. 11,433.8 Rs. 3,788.1 US$ 54.8 Gross realized losses on sale (502.0 ) (580.6 ) (1,192.1 ) (17.3 ) Realized gains (losses), net 9,606.2 10,853.2 2,596.0 37.5 Dividends and interest 154,618.6 158,209.2 190,992.5 2,761.6 Total Rs. 164,224.8 Rs. 169,062.4 Rs. 193,588.5 US$ 2,799.1
Held-to-maturity Securities
Investments	6. Investments, held to maturity There were no HTM securities as of March 31, 2018 and March 31, 2019.

Credit substitutes

Credit substitutes	12 Months Ended
	Mar. 31, 2019
Credit substitutes	7. 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, 2018 and March 31, 2019 were as follows: As of March 31, 2018 2019 Amortized Cost Fair Value Amortized Cost Fair Value (In millions) Available for sale credit substitute debt securities: Debentures Rs. 290,893.5 Rs. 289,782.9 Rs. 247,869.1 Rs. 247,152.5 Commercial paper 34,265.8 34,248.6 25,681.6 25,734.3 Total Rs. 325,159.3 Rs. 324,031.5 Rs. 273,550.7 Rs. 272,886.8 US$ 3,955.3 US$ 3,945.8 The fair values of credit substitutes by the Bank’s internal credit quality indicators and amounts provided for other than temporary impairments is as follows: As of March 31, 2018 2019 2019 (In millions) Pass Rs. 324,031.5 Rs. 272,886.8 US$ 3,945.8 Impaired—gross balance 0.0 0.0 0.0 Less: amounts provided for other than temporary impairments 0.0 0.0 0.0 Impaired credit substitutes, net 0.0 0.0 0.0 Total credit substitutes, net Rs. 324,031.5 Rs. 272,886.8 US$ 3,945.8 Impaired credit substitutes: As of March 31, 2018 2019 2019 (In millions) Gross impaired credit substitutes Rs 0.0 Rs 0.0 US$ 0.0 Gross impaired credit substitutes by industry Rs. 0.0 Rs. 0.0 US$ 0.0 Average impaired credit substitutes Rs. 0.0 Rs. 0.0 US$ 0.0 Interest income recognized on impaired credit substitutes Rs. 0.0 Rs. 0.0 US$ 0.0 As of March 31, 2019, 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, 2019
Repurchase and resell agreements	8. 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, 2017, March 31, 2018 and March 31, 2019. 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, 2018 and March 31, 2019 were Rs. 650,018.6 million and Rs. 76,213.5 million (US$ 1,102.0 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, 2018 and March 31, 2019 were Rs. 138,000.0 and Rs. 174,000.0 million (US$ 2,515.9 million), respectively. The Government of India securities are pledged as collateral.

Loans

Loans	12 Months Ended
	Mar. 31, 2019
Loans	9. Loans Loan balances include Rs. 665,906.2 million and Rs. 780,869.5 million (US$ 11,290.8 million) as of March 31, 2018 and March 31, 2019, respectively, which have been provided as collateral for borrowings and are therefore restricted. Loans by facility as of March 31, 2018 and March 31, 2019 were as follows: As of March 31, 2018 2019 2019 (In millions) Retail loans: Auto loans Rs. 885,234.7 Rs. 951,744.2 US$ 13,761.5 Personal loans/Credit cards 1,187,127.1 1,538,107.4 22,239.8 Retail business banking 1,305,219.8 1,478,317.8 21,375.3 Commercial vehicle and construction equipment finance 595,813.6 746,288.0 10,790.7 Housing loans 362,718.1 513,771.6 7,428.7 Other retail loans 877,251.3 1,009,674.6 14,599.1 Subtotal Rs. 5,213,364.6 Rs. 6,237,903.6 US$ 90,195.1 Wholesale loans Rs. 2,162,814.4 Rs. 2,873,561.0 US$ 41,549.6 Gross loans 7,376,179.0 9,111,464.6 131,744.7 Less: Allowance for credit losses 112,507.2 148,232.0 2,143.4 Total Rs. 7,263,671.8 Rs. 8,963,232.6 US$ 129,601.3 The maturity of gross loans as of March 31, 2019 is set out below: As of March 31, 2019 Wholesale loans Retail loans Total (In millions) Maturity profile of loans: Within one year Rs. 1,537,701.3 Rs. 1,911,646.9 Rs. 3,449,348.2 Over one year through five years 899,447.4 3,912,771.8 4,812,219.2 Over five years 436,412.3 413,484.9 849,897.2 Total gross loans Rs. 2,873,561.0 Rs. 6,237,903.6 Rs. 9,111,464.6 Total gross loans US$ 41,549.6 US$ 90,195.1 US$ 131,744.7 Gross loans analyzed by performance are as follows: As of March 31, 2018 2019 2019 (In millions) Performing Rs. 7,267,461.7 Rs. 8,971,042.1 US$ 129,714.3 Impaired 108,717.3 140,422.5 2,030.4 Total gross loans Rs. 7,376,179.0 Rs. 9,111,464.6 US$ 131,744.7 The following table provides details of age analysis of loans as of March 31, 2018 and March 31, 2019. As of March 31, 2018 31-90 Impaired / Current 1,2 Total (In millions) Retail Loans Auto loans Rs. 4,384.5 Rs. 8,634.5 Rs. 872,215.7 Rs. 885,234.7 Personal loans/Credit card 8,179.1 10,150.9 1,168,797.1 1,187,127.1 Retail business banking 10,522.0 25,547.2 1,269,150.6 1,305,219.8 Commercial vehicle and construction equipment finance 7,324.9 6,968.1 581,520.6 595,813.6 Housing loans 25.9 1,899.5 360,792.7 362,718.1 Other retail 8,716.0 22,704.3 845,831.0 877,251.3 Wholesale loans 308.6 32,812.8 2,129,693.0 2,162,814.4 Total Rs. 39,461.0 Rs. 108,717.3 Rs. 7,228,000.7 Rs. 7,376,179.0 1) Loans up to 30 days past due are considered current 2) Includes crop related agricultural loans with days past due less than 366 as they are not considered as impaired Rs. 31.5 billion. As of March 31, 2019 31-90 Impaired / Current 1,2 Total (In millions) Retail Loans Auto loans Rs. 4,807.0 Rs. 13,606.7 Rs. 933,330.5 Rs. 951,744.2 Personal loans/Credit card 11,520.2 15,781.5 1,510,805.7 1,538,107.4 Retail business banking 9,087.9 29,945.0 1,439,284.9 1,478,317.8 Commercial vehicle and construction equipment finance 9,225.0 11,254.9 725,808.1 746,288.0 Housing loans 23.6 2,157.1 511,590.9 513,771.6 Other retail 9,480.1 29,523.6 970,670.9 1,009,674.6 Wholesale loans 202.9 38,153.7 2,835,204.4 2,873,561.0 Total Rs. 44,346.7 Rs. 140,422.5 Rs. 8,926,695.4 Rs. 9,111,464.6 Total US$ 641.2 US$ 2,030.4 US$ 129,073.1 US$ 131,744.7 1) Loans up to 30 days past due are considered current 2) Includes crop related agricultural loans with days past due less than 366 as they are not considered as impaired Rs. 34.0 billion. 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 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. The Bank monitors credit quality within its segments based on primary credit quality indicators. This internal grading is updated at least annually. The amount of purchased financing receivable outstanding as of March 31, 2018 and March 31, 2019 is Rs. 364,113.0 and Rs. 514,756.0, respectively. Retail Loans Credit quality indicator based on payment activity as of March 31, 2018 and as of March 31, 2019 is given below: As of March 31, 2018 Auto loans Personal loans/ Retail business Commercial Housing loans Other retail Total (In millions) Performing Rs. 876,600.2 Rs. 1,176,976.2 Rs. 1,279,672.6 Rs. 588,845.5 Rs. 360,818.6 Rs. 854,547.0 Rs. 5,137,460.1 Impaired 8,634.5 10,150.9 25,547.2 6,968.1 1,899.5 22,704.3 75,904.5 Total Rs. 885,234.7 Rs. 1,187,127.1 Rs. 1,305,219.8 Rs. 595,813.6 Rs. 362,718.1 Rs. 877,251.3 Rs. 5,213,364.6 As of March 31, 2019 Auto loans Personal loans/ Retail business Commercial Housing loans Other retail Total (In millions) Performing Rs. 938,137.5 Rs. 1,522,325.9 Rs. 1,448,372.8 Rs. 735,033.1 Rs. 511,614.5 Rs. 980,151.0 Rs. 6,135,634.8 Impaired 13,606.7 15,781.5 29,945.0 11,254.9 2,157.1 29,523.6 102,268.8 Total Rs. 951,744.2 Rs. 1,538,107.4 Rs. 1,478,317.8 Rs. 746,288.0 Rs. 513,771.6 Rs. 1,009,674.6 Rs. 6,237,903.6 Total US$ 13,761.5 US$ 22,239.8 US$ 21,375.3 US$ 10,790.7 US$ 7,428.7 US$ 14,599.1 US$ 90,195.1 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 and considered to be performing. 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, 2018 2019 2019 (In millions) Credit quality indicators-Internally assigned grade and payment activity Pass Rs. 2,116,499.3 Rs. 2,834,466.7 US$ 40,984.2 Labeled 13,502.3 940.6 13.7 Impaired 32,812.8 38,153.7 551.7 Total Rs. 2,162,814.4 Rs. 2,873,561.0 US$ 41,549.6 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, 2018 and March 31, 2019. As of March 31, 2018 Recorded Unpaid Related Average recorded Finance receivable on non-accrual status (In millions) Retail Loans Auto loans Rs. 8,634.5 Rs. 8,634.5 Rs. 3,682.2 Rs. 7,370.1 Rs. 8,634.5 Personal loans/Credit card 10,150.9 10,150.9 6,182.6 8,309.2 10,150.9 Retail business banking 25,547.2 25,547.2 18,709.4 23,303.7 25,547.2 Commercial vehicle and construction equipment finance 6,968.1 6,968.1 4,806.1 6,527.4 6,968.1 Housing loans 1,899.5 1,899.5 974.4 1,788.9 1,899.5 Other retail 22,704.3 22,704.3 12,922.8 17,005.2 22,704.3 Wholesale loans 32,812.8 32,812.8 15,323.0 31,544.3 32,812.8 Total Rs. 108,717.3 Rs. 108,717.3 Rs. 62,600.5 Rs. 95,848.8 Rs. 108,717.3 As of March 31, 2019 Recorded Unpaid Related Average recorded Finance receivable on non-accrual status (In millions) Retail Loans Auto loans Rs. 13,606.7 Rs. 13,606.7 Rs. 6,169.0 Rs. 11,120.6 Rs. 13,606.7 Personal loans/Credit card 15,781.5 15,781.5 9,694.0 12,966.2 15,781.5 Retail business banking 29,945.0 29,945.0 21,595.3 27,746.1 29,945.0 Commercial vehicle and construction equipment finance 11,254.9 11,254.9 6,544.8 9,111.5 11,254.9 Housing loans 2,157.1 2,157.1 1,105.2 2,028.3 2,157.1 Other retail 29,523.6 29,523.6 20,441.5 26,114.0 29,523.6 Wholesale loans 38,153.7 38,153.7 20,233.2 35,483.3 38,153.7 Total Rs. 140,422.5 Rs. 140,422.5 Rs. 85,783.0 Rs. 124,570.0 Rs. 140,422.5 Total US$ 2,030.4 US$ 2,030.4 US$ 1,240.4 US$ 1,801.2 US$ 2,030.4 Impaired loans by industry as of March 31, 2018 and March 31, 2019 are as follows: As of March 31, 2018 (In millions) Gross impaired loans by industry: —Wholesale Trade- Non Industrial Rs. 15,239.0 —Consumer Loans 15,236.4 —Agriculture Production—Food 12,227.0 —Food and Beverage 7,007.4 —Retail Trade 6,279.0 —Agri-Allied 6,184.0 —Others (none greater than 5% of impaired loans) 46,544.5 Total Rs. 108,717.3 As of March 31, 2019 (In millions) Gross impaired loans by industry: — Consumer Loans Rs. 22,513.7 US$ 325.5 — Agriculture Production—Food 18,915.0 273.5 —Wholesale Trade- Non Industrial 15,856.7 229.3 —Food and Beverage 8,577.3 124.0 —Retail Trade 7,767.0 112.3 —Others (none greater than 5% of impaired loans) 66,792.8 965.8 Total Rs. 140,422.5 US$ 2,030.4 Summary information relating to impaired loans during the fiscal year ended March 31, 2017, March 31, 2018 and March 31, 2019 is as follows: Fiscal year ended March 31, 2017 2018 2019 2019 (In millions) Average impaired loans, net of allowance Rs. 29,612.1 Rs. 41,683.2 Rs. 50,378.2 US$ 728.4 Interest income recognized on impaired loans Rs. 3,472.7 Rs. 7,433.7 Rs. 6,994.7 US$ 101.1 Allowances for credit losses as of March 31, 2017 are as follows: As of March 31, 2017 Specific Unallocated Retail Auto loans Personal Retail Commercial Housing Other Wholesale Retail Wholesale Total (In millions) Allowance for credit losses, beginning of the period Rs. 2,101.1 Rs. 2,638.6 Rs. 10,617.5 Rs. 3,876.7 Rs. 410.4 Rs. 3,950.4 Rs. 7,413.4 Rs. 22,548.6 Rs. 3,803.4 Rs. 57,360.1 Write-offs (5,155.0 ) (11,639.3 ) (1,453.4 ) (3,227.4 ) (32.9 ) (2,793.5 ) (2,261.7 ) 0.0 0.0 (26,563.2 ) Net allowance for credit losses* 5,846.8 13,040.7 6,114.3 3,749.2 361.8 5,610.6 6,561.8 5,562.0 852.8 47,700.0 Allowance for credit losses, end of the period Rs. 2,792.9 Rs. 4,040.0 Rs. 15,278.4 Rs. 4,398.5 Rs. 739.3 Rs. 6,767.5 Rs. 11,713.5 Rs. 28,110.6 Rs. 4,656.2 Rs. 78,496.9 Allowance for credit losses: Allowance individually evaluated for impairment Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 11,713.5 Rs. 0.0 Rs. 0.0 Rs. 11,713.5 Allowance collectively evaluated for impairment 2,792.9 4,040.0 15,278.4 4,398.5 739.3 6,767.5 0.0 28,110.6 4,656.2 66,783.4 Loans: Loans individually evaluated for impairment 0.0 0.0 0.0 0.0 0.0 0.0 30,275.7 0.0 0.0 30,275.7 Loans collectively evaluated for impairment 6,105.6 6,467.4 21,060.1 6,086.6 1,678.2 11,306.1 0.0 3,996,257.3 1,909,672.7 5,958,634.0 * Net allowances for credit losses charged to expense does not include the recoveries against write-off Allowance for credit losses as of March 31, 2018 are as follows: As of March 31, 2018 Specific Unallocated Retail Auto loans Personal Retail Commercial Housing Other Wholesale Retail Wholesale Total (In millions) Allowance for credit losses, beginning of the period Rs. 2,792.9 Rs. 4,040.0 Rs. 15,278.4 Rs. 4,398.5 Rs. 739.3 Rs. 6,767.5 Rs. 11,713.5 Rs. 28,110.6 Rs. 4,656.2 Rs. 78,496.9 Write-offs (6,826.4 ) (16,714.3 ) (5,730.0 ) (3,644.0 ) (61.5 ) (4,557.4 ) (444.7 ) 0.0 0.0 (37,978.3 ) Net allowance for credit losses* 7,715.7 18,856.9 9,161.0 4,051.6 296.6 10,712.7 4,054.2 14,036.8 3,103.1 71,988.6 Allowance for credit losses, end of the period Rs. 3,682.2 Rs. 6,182.6 Rs. 18,709.4 Rs. 4,806.1 Rs. 974.4 Rs. 12,922.8 Rs. 15,323.0 Rs. 42,147.4 Rs. 7,759.3 Rs. 112,507.2 Allowance for credit losses: Allowance individually evaluated for impairment Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 15,323.0 Rs. 0.0 Rs. 0.0 Rs. 15,323.0 Allowance collectively evaluated for impairment 3,682.2 6,182.6 18,709.4 4,806.1 974.4 12,922.8 0.0 42,147.4 7,759.3 97,184.2 Loans: Loans individually evaluated for impairment 0.0 0.0 0.0 0.0 0.0 0.0 32,812.8 0.0 0.0 32,812.8 Loans collectively evaluated for impairment 8,634.5 10,150.9 25,547.2 6,968.1 1,899.5 22,704.3 0.0 5,137,460.1 2,130,001.6 7,343,366.2 * Net allowances for credit losses charged to expense does not include the recoveries against write-off Allowances for credit losses as of March 31, 2019 are as follows: As of March 31, 2019 Specific Unallocated Retail Auto loans Personal Retail Commercial Housing Other Wholesale Retail Wholesale Total Total (In millions) Allowance for credit losses, beginning of the period Rs. 3,682.2 Rs. 6,182.6 Rs. 18,709.4 Rs. 4,806.1 Rs. 974.4 Rs. 12,922.8 Rs. 15,323.0 Rs. 42,147.4 Rs. 7,759.3 Rs. 112,507.2 US$ 1,626.8 Write-offs (9,155.3 ) (25,197.0 ) (6,665.5 ) (4,812.8 ) (93.3 ) (5,652.0 ) (1,755.7 ) 0.0 0.0 (53,331.6 ) (771.1 ) Net allowance for credit losses* 11,642.1 28,708.4 9,551.4 6,551.5 224.1 13,170.7 6,665.9 10,793.7 1,748.6 89,056.4 1,287.7 Allowance for credit losses, end of the period Rs. 6,169.0 Rs. 9,694.0 Rs. 21,595.3 Rs. 6,544.8 Rs. 1,105.2 Rs. 20,441.5 Rs. 20,233.2 Rs. 52,941.1 Rs. 9,507.9 Rs. 148,232.0 US$ 2,143.4 Allowance for credit losses: Allowance individually evaluated for impairment Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 20,233.2 Rs. 0.0 Rs. 0.0 Rs. 20,233.2 US$ 292.6 Allowance collectively evaluated for impairment 6,169.0 9,694.0 21,595.3 6,544.8 1,105.2 20,441.5 0.0 52,941.1 9,507.9 127,998.8 1,850.8 Loans: Loans individually evaluated for impairment 0.0 0.0 0.0 0.0 0.0 0.0 38,153.7 0.0 0.0 38,153.7 551.7 Loans collectively evaluated for impairment 13,606.7 15,781.5 29,945.0 11,254.9 2,157.1 29,523.6 0.0 6,135,634.8 2,835,407.3 9,073,310.9 131,193.0 * Net allowances for credit losses charged to expense does not include the recoveries against write-off 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 a 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 The following table summarizes the Bank’s TDR modifications during the fiscal year ended March 31, 2018 and March 31, 2019 presented by primary modification type and includes the financial effects of these modifications. Fiscal year ended March 31, 2018 Carrying TDRs involving (1) TDRs involving (2) TDRs involving Balance of Net P&L (3) (In millions) Retail Loans: Retail business banking Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 0.0 Commercial vehicle and construction equipment finance 0.0 0.0 0.0 0.0 0.0 0.0 Wholesale loans 0.0 0.0 0.0 0.0 0.0 0.0 Total (4) Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 0.0 (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, 2018 comprised of nil case. Fiscal year ended March 31, 2019 Carrying TDRs involving (1) TDRs involving (2) TDRs involving Balance of Net P&L (3) (In millions) Retail Loans: Retail business banking Rs. 17.9 Rs. 0.0 Rs. 17.9 Rs. 0.0 Rs. 0.0 Rs. 4.5 Commercial vehicle and construction equipment finance 0.0 0.0 0.0 0.0 0.0 0.0 Wholesale loans 0.0 0.0 0.0 0.0 0.0 0.0 Total (4) Rs. 17.9 Rs. 0.0 Rs. 17.9 Rs. 0.0 Rs. 0.0 Rs. 4.5 Total (4) US$ 0.3 US$ 0.0 US$ 0.3 US$ 0.0 US$ 0.0 US$ 0.1 (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, 2019 comprised of one case. 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, 2019 recorded investments (In millions) Retail loans: Retail business banking Rs. 0.0 Commercial vehicle and construction equipment finance 0.0 Wholesale loans 0.0 Total Rs. 0.0 Total US$ 0.0 Interest on loans by facility are as follows: Fiscal year ended March 31, 2017 2018 2019 2019 (In millions) Wholesale loans Rs. 134,543.1 Rs. 152,124.6 Rs. 199,928.0 US$ 2,890.8 Retail loans 418,143.7 515,334.1 627,755.0 9,076.9 Total Rs. 552,686.8 Rs. 667,458.7 Rs. 827,683.0 US$ 11,967.7

Sales_transfer of receivables

Sales/transfer of receivables	12 Months Ended
	Mar. 31, 2019
Sales/transfer of receivables	10. Sales/transfer of receivables The following table summarizes the cash flows received during the years ended March 31, 2017, March 31, 2018 and March 31, 2019 from customers and paid to SPEs/transferees on securitized/ transferred performing loans: Fiscal year ended March 31, 2017 2018 2019 2019 (In millions) Cash flow information Collections against securitized receivables/transfers Rs. 471.1 Rs. 303.9 Rs. 233.5 US$ 3.4 Payments made 444.7 301.8 237.7 3.4 Cash flows on retained interests Rs. 26.6 Rs. 3.8 Rs. 2.1 US$ 0.0 Other key disclosures are as follows: As of March 31, 2018 2019 2019 (In millions) Transferred receivables with continuing involvement Rs. 575.4 Rs. 398.4 US$ 5.8 Delinquencies 230.7 253.8 3.7 Credit losses 212.3 242.0 3.5 Retained interest in sold receivables 22.8 15.9 0.2 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, 2018 and March 31, 2019 to immediate 10% and 20% changes in those assumptions: As of March 31, 2018 2019 2019 (In millions) Fair value of retained interests Annual prepayment rate: Impact of 10% adverse change Rs. 2.4 Rs. 1.7 US$ 0.0 Impact of 20% adverse change 4.6 3.3 0.0 Expected credit losses: Impact of 10% adverse change 3.1 2.3 0.0 Impact of 20% adverse change 6.2 4.5 0.1 Weighted average life in years of the securitized receivables is 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, 2019
Concentrations of credit risk	11. 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 lends on a cash-flow basis, it also requires 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 As of March 31, 2018 Category Gross loans Fair Values Of Non-funded Total % (In millions, except percentages) Consumer Loans Rs. 1,948,328.2 Rs. — Rs. 665.4 Rs. 1,948,993.6 22.7 Retail trade 385,217.8 1,181.4 13,091.9 399,491.1 4.6 NBFC/Financial Intermediaries 231,249.9 110,494.4 6,888.5 348,632.8 4.1 Automobile & Auto Ancillary 299,680.3 13,105.7 30,876.7 343,662.7 4.0 Consumer Services 308,333.2 3,461.5 14,077.5 325,872.2 3.8 Agriculture Production — Food 318,643.5 497.9 614.9 319,756.3 3.7 Road Transportation 310,740.7 0.0 5,247.2 315,987.9 3.7 Real Estate & Property Services 233,700.5 1,982.5 27,280.7 262,963.7 3.1 Engineering 133,216.6 2,470.7 99,933.4 235,620.7 2.7 Power 159,239.8 34,738.6 36,017.7 229,996.1 2.7 Food & Beverage 210,780.7 586.8 14,210.0 225,577.5 2.6 Business Services 207,868.8 946.6 7,738.7 216,554.1 2.5 Agriculture Production — Non Food 199,451.2 0.0 9.0 199,460.2 2.3 Wholesale Trade — Non Industrial 180,841.8 2,239.4 11,945.7 195,026.9 2.3 Wholesale Trade — Industrial 167,253.4 103.9 27,470.1 194,827.4 2.3 Textiles & Garments 159,873.4 4,602.7 20,496.0 184,972.1 2.2 Infrastructure Development 109,841.9 9,762.5 55,773.0 175,377.4 2.0 Telecom 125,842.1 21,629.8 27,802.9 175,274.8 2.0 Iron & Steel 135,431.1 2,583.1 36,184.6 174,198.8 2.0 Housing Finance Companies 110,961.6 60,818.6 585.2 172,365.4 2.0 Others (none greater than 2%) 1,439,682.5 52,825.4 460,885.5 1,953,393.4 22.7 Total Rs. 7,376,179.0 Rs. 324,031.5 Rs. 897,794.6 Rs. 8,598,005.1 100.0 As of March 31, 2019 Category Gross loans Fair Values Of Non-funded Total Total % (In millions, except percentages) Consumer Loans Rs. 2,477,945.6 Rs. 0.0 Rs. 1,552.1 Rs. 2,479,497.7 US$ 35,851.6 23.5 Retail trade 445,757.8 1,170.7 15,051.6 461,980.1 6,679.9 4.4 NBFC/Financial Intermediaries 311,477.1 98,274.0 13,203.1 422,954.2 6,115.6 4.0 Automobile & Auto Ancillary 352,979.1 10,413.9 32,546.7 395,939.7 5,725.0 3.8 Road Transportation 376,547.1 0.0 9,808.2 386,355.3 5,586.4 3.7 Consumer Services 354,060.4 3,957.3 13,757.6 371,775.3 5,375.6 3.5 Agriculture Production — Food 330,092.5 0.0 728.8 330,821.3 4,783.4 3.1 Power 251,169.4 37,188.7 39,998.4 328,356.5 4,747.8 3.1 Telecom 246,272.4 21,288.6 26,245.9 293,806.9 4,248.2 2.8 Real Estate & Property Services 257,056.8 1,978.8 33,482.7 292,518.3 4,229.6 2.8 Engineering 159,462.7 1,557.3 120,816.0 281,836.0 4,075.1 2.7 Food & Beverage 233,798.9 0.0 15,325.7 249,124.6 3,602.1 2.4 Business Services 236,853.7 249.2 11,318.3 248,421.2 3,592.0 2.4 Iron & Steel 195,488.6 5,514.4 44,149.5 245,152.5 3,544.7 2.3 Coal & Petroleum Products 92,504.7 705.0 150,857.5 244,067.2 3,529.0 2.3 Wholesale Trade — Industrial 192,708.4 67.8 29,835.7 222,611.9 3,218.8 2.1 Textiles & Garments 187,527.5 4,436.1 26,803.8 218,767.4 3,163.2 2.1 Infrastructure Development 128,273.5 9,035.5 79,596.8 216,905.8 3,136.3 2.1 Wholesale Trade — Non Industrial 200,089.4 248.3 12,218.2 212,555.9 3,073.4 2.0 Others (none greater than 2%) 2,081,399.0 76,801.2 470,669.6 2,628,869.8 38,011.4 24.9 Total Rs. 9,111,464.6 Rs. 272,886.8 Rs. 1,147,966.2 Rs. 10,532,317.6 US$ 152,289.1 100.0 The Bank’s ten largest exposures as of March 31, 2018 and March 31, 2019, based on the higher of the outstanding balance or the limit on loans, investments (including credit substitutes) and non-funded As of March 31, 2018 Funded Non-Funded Total (In millions) Borrower 1 Rs. 11,615.0 Rs. 79,373.2 Rs. 90,988.2 Borrower 2 80,006.2 87.1 80,093.3 Borrower 3 27,567.3 48,406.0 75,973.3 Borrower 4 59,631.9 13,790.6 73,422.5 Borrower 5 70,012.7 0.0 70,012.7 Borrower 6 34,673.6 22,396.4 57,070.0 Borrower 7 13,054.6 43,324.0 56,378.6 Borrower 8 6,001.5 48,749.4 54,750.9 Borrower 9 44,367.1 3,300.0 47,667.1 Borrower 10 45,000.0 0.0 45,000.0 As of March 31, 2019 Funded Non-Funded Total Total (In millions) Borrower 1 Rs. 146,141.2 Rs. 6,457.1 Rs. 152,598.3 US$ 2,206.5 Borrower 2 27,488.9 115,089.5 142,578.4 2,061.6 Borrower 3 120,004.3 312.8 120,317.1 1,739.7 Borrower 4 92,271.4 1,200.0 93,471.4 1,351.5 Borrower 5 80,008.5 32.6 80,041.1 1,157.3 Borrower 6 57,604.0 14,843.9 72,447.9 1,047.5 Borrower 7 32,948.9 34,806.0 67,754.9 979.7 Borrower 8 51,283.8 15,163.0 66,446.8 960.8 Borrower 9 43,602.4 22,513.2 66,115.6 956.0 Borrower 10 30,559.1 26,347.9 56,907.0 822.8

Property and equipment

Property and equipment	12 Months Ended
	Mar. 31, 2019
Property and equipment	12. Property and equipment Property and equipment by asset category is as follows: As of March 31, 2018 2019 2019 (In millions) Land and premises Rs. 17,992.1 Rs. 18,836.5 US$ 272.4 Software and systems 24,554.4 29,855.2 431.7 Equipment and furniture 64,927.1 73,601.8 1,064.2 Property and equipment, at cost 107,473.6 122,293.5 1,768.3 Less: Accumulated depreciation 68,505.5 79,105.7 1,143.8 Property and equipment, net Rs. 38,968.1 Rs. 43,187.8 US$ 624.5 Depreciation and amortization charged for the years ended March 31, 2017, March 31,2018 and March 31, 2019 was Rs. 8,876.9 million, Rs. 9,678.9 million and Rs. 12,247.8 million (US$ 177.1 million), respectively.

Goodwill and other intangible a

Goodwill and other intangible assets	12 Months Ended
	Mar. 31, 2019
Goodwill and other intangible assets	13. 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 (US$ 1,083.5 million) for the fiscal year ended March 31, 2018 and the year ended March 31, 2019. 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, 2018 and March 31, 2019: As of March 31, 2018 As of March 31, 2019 Gross Accumulated Net Gross Accumulated Net Net (In millions) Branch network Rs. 8,335.0 Rs. 8,335.0 Rs. 0.0 Rs. 8,335.0 Rs. 8,335.0 Rs. 0.0 US$ 0.0 Customer list 2,710.0 2,710.0 0.0 2,710.0 2,710.0 0.0 0.0 Core deposit 4,414.0 4,414.0 0.0 4,414.0 4,414.0 0.0 0.0 Favorable leases 543.0 542.0 1.0 543.0 543.0 0.0 0.0 Total Rs. 16,002.0 Rs. 16,001.0 Rs. 1.0 Rs. 16,002.0 Rs. 16,002.0 Rs. 0.0 US$ 0.0 The aggregate amortization charged for the years ended March 31, 2017, March 31, 2018 and March 31, 2019 was Rs. 3.0 million, Rs. 1.0 million and Rs. 1.0 million, respectively. The estimated amortization expense for intangible assets for each of the five succeeding twelve months period is nil.

Other assets

Other assets	12 Months Ended
	Mar. 31, 2019
Other assets	14. Other assets Other assets include the following: As of March 31, 2018 2019 2019 (In millions) Security deposits for leased property Rs. 5,004.1 Rs. 5,112.9 US$ 73.9 Sundry accounts receivable 23,216.1 49,465.6 715.2 Advance income tax (net of current tax expense) 17,988.3 18,785.7 271.6 Advances 5,510.2 4,213.1 60.9 Prepaid expenses 897.0 1,356.7 19.6 Deposits/Margins paid 5,815.1 8,319.8 120.3 Derivatives (refer to note 24) 50,836.3 132,524.1 1,916.2 Term placements 139,875.9 115,428.4 1,669.0 Others* 49,565.5 60,526.7 875.4 Total Rs. 298,708.5 Rs. 395,733.0 US$ 5,722.1 * Effective April 1, 2018, the Bank adopted ASU 2016-01(See non-marketable non-interest .

Deposits

Deposits	12 Months Ended
	Mar. 31, 2019
Deposits	15. Deposits Deposits include demand deposits, which are non-interest-bearing, As of March 31, 2018 2019 2019 (In millions) Interest-bearing: Savings deposits Rs. 2,237,968.7 Rs. 2,487,001.6 US$ 35,960.1 Time deposits 4,455,680.6 5,317,715.9 76,890.1 Total interest-bearing deposits 6,693,649.3 7,804,717.5 112,850.2 Non-interest-bearing 1,190,102.2 1,420,309.4 20,536.6 Total Rs. 7,883,751.5 Rs. 9,225,026.9 US$ 133,386.8 As of March 31, 2018 and March 31, 2019, time deposits of Rs. 3,904,998.5 million and Rs. 4,570,771.1 million, respectively, had a residual maturity of one year or less. The remaining deposits mature between one and ten years. As of March 31, 2018 and March 31, 2019, time deposits in excess of Rs. 0.1 million aggregated Rs. 4,282,026.0 million and Rs. 5,145,912.9 million, respectively. As of March 31, 2019, the scheduled maturities for total time deposits were as follows: As of March 31, 2019 (In millions) Due to mature in the fiscal year ending March 31: 2020 Rs. 4,570,771.1 US$ 66,089.8 2021 469,740.1 6,792.1 2022 162,234.4 2,345.8 2023 35,359.5 511.3 2024 58,237.5 842.1 Thereafter 21,373.3 309.0 Total Rs. 5,317,715.9 US$ 76,890.1

Short-term borrowings

Short-term borrowings	12 Months Ended
	Mar. 31, 2019
Short-term borrowings	16. 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, 2018 and March 31, 2019 comprised of the following: As of March 31, 2018 2019 2019 (In millions) Borrowed in the call market Rs. 28,585.7 Rs. 9,155.9 US$ 132.4 Term borrowings from institutions/banks 391,950.0 363,921.2 5,262.0 Foreign currency borrowings 307,066.6 280,980.9 4,062.8 Bills rediscounted 51,599.4 0.0 0.0 Total Rs. 779,201.7 Rs. 654,058.0 US$ 9,457.2 Total borrowings outstanding: Maximum amount outstanding Rs. 865,997.0 Rs. 957,026.5 US$ 13,837.9 Average amount outstanding Rs. 512,626.7 Rs. 705,161.6 US$ 10,196.1 Weighted average interest rate 4.9 % 5.3 % 5.3 %

Long-term debt

Long-term debt	12 Months Ended
	Mar. 31, 2019
Long-term debt	17. Long-term debt Long-term debt as of March 31, 2018 and March 31, 2019 comprised of the following: As of March 31, 2018 2019 2019 (In millions) Subordinated debt Rs. 231,070.0 Rs. 211,320.0 US$ 3,055.5 Others 701,885.6 833,265.2 12,048.4 Less: Debt issuance cost (49.3 ) (32.2 ) (0.5 ) Total Rs. 932,906.3 Rs. 1,044,553.0 US$ 15,103.4 The below table presents the balance of long-term debt as of March 31, 2018 and March 31, 2019 and the related contractual rates and maturity dates: As of, March 31, 2018 March 31, 2019 Maturity / Stated interest rates Total Maturity / Stated interest rates Total Total (In millions) Subordinated debt Subordinated debt (other than perpetual debt) 2019-2028 7.56% to 10.85% Rs. 151,063.5 2021-2029 7.56% to 10.20% Rs. 128,315.8 US$ 1,855.3 Perpetual debt 2023 8.85% 79,997.3 2023-2029 8.85% to 9.40% 82,997.9 1,200.1 Others* Variable rate—(1) 2020-2022 2.68% to 3.25% 32,227.2 2020-2022 3.30% to 3.88% 36,288.8 524.7 Variable rate—(2) 2019-2023 7.64% to 10.05% 108,196.7 2020-2024 8.25% to 10.05% 116,615.2 1,686.2 Fixed rate—(1) 2019-2027 6.90% to 10.35% 561,421.6 2020-2029 4.60% to 9.56% 680,335.3 9,837.1 Total Rs. 932,906.3 Rs. 1,044,553.0 US$ 15,103.4 * Variable rate (1) represent foreign currency debt. Variable rate debt is typically indexed to LIBOR, T-bill The scheduled maturities of long-term debt are set out below: As of March 31, 2019 (In millions) Due in the twelve months ending March 31: 2020 Rs. 261,201.6 US$ 3,776.8 2021 153,384.5 2,217.8 2022 114,697.8 1,658.4 2023 79,464.2 1,149.0 2024 23,050.0 333.3 Thereafter 329,757.0 4,768.0 Total (1) Rs. 961,555.1 US$ 13,903.3 (1) The scheduled maturities of long-term debt do not include perpetual bonds of Rs. 82,997.9 million (net of debt issuance cost). During the fiscal year ended March 31, 2019 the Bank issued subordinated debt amounting to Rs. 6,000.0 million (previous period Rs. 20,000.0 million) and perpetual debt amounting to Rs. 3,000.0 million (previous period Rs. 80,000.0 million). During the fiscal year ended March 31, 2019 the Bank also raised other long-term debt amounting to Rs. 311,093.6 million (previous period Rs. 325,517.1 million). As of March 31, 2018 and March 31, 2019, other long-term debt includes foreign currency borrowings from other banks aggregating to Rs. 32,260.9 million and Rs. 36,305.9 million, respectively, and functional currency borrowings aggregating to Rs. 669,624.7 million and Rs. 796,959.3 million, respectively.

Accrued expenses and other liab

Accrued expenses and other liabilities	12 Months Ended
	Mar. 31, 2019
Accrued expenses and other liabilities	18. Accrued expenses and other liabilities Accrued expenses and other liabilities include the amounts set forth below: As of March 31, 2018 2019 2019 (In millions) Bills payable Rs. 82,217.8 Rs. 70,404.0 US$ 1,018.0 Remittances in transit 35,308.9 41,721.1 603.3 Accrued expenses 52,643.5 57,816.9 836.0 Accounts payable 106,510.1 88,212.9 1,275.5 Derivatives (refer to note 24) 56,124.7 128,449.0 1,857.3 Others 58,636.6 80,834.7 1,168.7 Total Rs.391,441.6 Rs.467,438.6 US$ 6,758.8 The Bank amortizes annual fees on credit cards over the contractual period of the fees. The unamortized annual fees as of March 31, 2018 and March 31, 2019 was Rs. 351.2 million and Rs. 538.8 million (US$ 7.8 million), respectively.

Accumulated other comprehensive

Accumulated other comprehensive income	12 Months Ended
	Mar. 31, 2019
Accumulated other comprehensive income	19. Accumulated other comprehensive income The below table presents the changes in accumulated other comprehensive income (OCI) after income tax for the years ended March 31, 2018 and March 31, 2019. Available for Foreign currency Total (In millions) Balance, March 31, 2017 Rs. 25,433.1 Rs. 598.5 Rs. 26,031.6 Net unrealized gain/(loss) arising during the period (21,445.3 ) 72.1 (21,373.2 ) Amounts reclassified to income (8,455.1 ) 0.0 (8,455.1 ) Balance, March 31, 2018 Rs. (4,467.3 ) Rs. 670.6 Rs. (3,796.7 ) Balance, March 31, 2018 Rs. (4,467.3 ) Rs. 670.6 Rs. (3,796.7 ) Adjustment to Other Comprehensive Income (loss) (268.0 ) 0.0 (268.0 ) Net unrealized gain/(loss) arising during the period 17,105.1 663.9 17,769.0 Amounts reclassified to income (1,895.5 ) 0.0 (1,895.5 ) Balance, March 31, 2019 Rs. 10,474.3 Rs. 1,334.5 Rs. 11,808.8 Balance, March 31, 2019 US$ 151.5 US$ 19.2 US$ 170.7 The below table presents the reclassification out of accumulated other comprehensive income (OCI) by income line item and the related income tax effect for periods ended March 31, 2018 and March 31, 2019. As of March 31, 2018 2019 2019 (In millions) Available for sale debt securities: Realized (gain)/loss on sales of available for sale debt securities, net Rs. (13,145.7) Rs. (3,994.6) US$ (57.8) Other than temporary impairment losses on available for sale debt securities 149.1 1,081.0 15.6 Total before income tax Rs. (12,996.6) Rs. (2,913.6) US$ (42.2) Income tax 4,541.5 1,018.1 14.7 Net of income tax Rs. (8,455.1) Rs. (1,895.5) US$ (27.5 )

Non-interest revenue

Non-interest revenue	12 Months Ended
	Mar. 31, 2019
Non-interest revenue	20. Non-interest Revenue Recognition Deposit related fees Deposit-related fees consist of fees earned on consumer deposit activities and are generally recognized when the transaction occurs or as the service is performed. Consumer fees are earned on consumer deposit accounts for account maintenance and various transaction-based services, such as ATM transactions, wire transfer activities, check and money order processing, standing instruction processing, cash management services, etc. Lending related fees Lending-related fees generally represent transactional fees earned from certain loan related services, guarantees and letters of credit (LCs). Third-party products related fees Third-party products related fees consist of fees earned from distribution of third party products such as insurance and mutual funds. Payments and cards business fees Payments and cards business fees includes fees earned from merchant acquiring business and on Credit, Debit, Prepaidor Forex cards, among others. Cards business income includes annual and renewal fees, late and over-limit fees, currency conversion fees, as well as fees earned from interchange, cash advances and other miscellaneous transactions fees. Interchange fees are recognized upon settlement of the credit and debit card payment transactions and are generally determined on a percentage basis for credit and debit cards based on the corresponding payment network’s rates. Substantially all cards business related fees are recognized at the transaction date, except for certain time-based fees such as annual fees, which are recognized over twelve months. Payments business fees includes fees earned from merchants net of interchange expenses paid to issuing banks, rentals from point of sale machines, merchant service charges. The table below presents the non-interest Fiscal years ended March 31, 2017 2018 2019 2019 (In millions) Deposit related fees Rs. 20,407.5 Rs. 22,424.9 Rs. 25,383.0 US$ 367.0 Lending related fees 26,705.4 31,791.6 30,176.2 436.3 Third-party products related fees 13,813.1 20,908.1 22,000.4 318.1 Payments and cards business fees 25,115.2 34,551.4 47,012.4 679.8 Others 8,079.1 10,384.9 9,583.2 138.6 Fees and commissions Rs. 94,120.3 Rs. 120,060.9 Rs. 134,155.2 US$ 1,939.8 The table below presents the non-interest Fiscal year ended March 31, 2017 2018 2019 2019 (In millions) Retail Banking Rs. 86,237.9 Rs. 110,927.2 Rs. 123,070.6 US$ 1,779.5 Wholesale Banking 7,695.8 8,985.0 10,839.6 156.7 Treasury Services 186.6 148.7 245.0 3.6 Fees and commissions Rs. 94,120.3 Rs. 120,060.9 Rs. 134,155.2 US$ 1,939.8

Income taxes

Income taxes	12 Months Ended
	Mar. 31, 2019
Income taxes	21. Income taxes Income tax expense is comprised of the following: Fiscal year ended March 31, 2017 2018 2019 2019 (In millions) Current tax expense Rs. 84,273.5 Rs. 108,676.0 Rs. 128,050.2 US$ 1,851.5 Deferred tax (benefit) expense (5,048.6 ) (10,403.5 ) (8,129.4 ) (117.6 ) Interest on income tax refund 0.0 0.0 (527.3 ) (7.6 ) Income tax expense Rs. 79,224.9 Rs. 98,272.5 Rs. 119,393.5 US$ 1,726.3 Income before income tax expense and income tax expense are substantially all from India. The following is the reconciliation of income taxes at the Indian statutory income tax rate to income tax expense as reported: Fiscal year ended March 31, 2017 2018 2019 2019 (In millions) Income before income tax expense Rs. 219,965.5 Rs. 277,106.4 Rs. 339,959.0 US$ 4,915.5 Statutory income tax rate 34.61 % 34.61 % 34.94 % 34.94 % Expected income tax expense 76,125.7 95,901.0 118,795.3 1,717.7 Adjustments to reconcile expected income tax to actual tax expense Interest on income tax refund 0.0 0.0 (343.0 ) (5.0 ) Stock-based compensation 2,839.0 2,282.3 1,867.2 27.0 Income exempt from taxes (997.2 ) (524.8 ) (1,422.8 ) (20.6 ) Effect of change in statutory tax rate 0.0 (209.2 ) 0.0 0.0 Other, net 1,257.4 823.2 496.8 7.2 Income tax expense Rs. 79,224.9 Rs. 98,272.5 Rs. 119,393.5 US$ 1,726.3 The tax effects of significant temporary differences are as follows: As of March 31, 2018 2019 2019 (In millions) Tax effect of: Deductible temporary differences: Allowance for loan losses Rs. 30,732.5 Rs. 39,604.8 US$ 572.7 Unrealized loss on available for sale debt securities 2,491.2 0.0 0.0 Property and equipment 0.0 383.8 5.5 Derivatives 309.8 289.1 4.2 Employee benefits 1,905.5 2,063.1 29.8 Others* 4,718.5 5,511.9 79.7 Deferred tax asset 40,157.5 47,852.7 691.9 Taxable temporary differences: Property and equipment 434.0 0.0 0.0 Loan origination cost and fees 4,957.9 5,606.3 81.1 Investments, others 479.2 2,677.0 38.7 Unrealized gain on available for sale debt securities 0.0 5,680.2 82.1 Intangible assets 0.3 0.0 0.0 Deferred tax liability 5,871.4 13,963.5 201.9 Net deferred tax asset (liability) Rs. 34,286.1 Rs. 33,889.2 US$ 490.0 * includes deductible temporary differences relating to accrued expenses and other liabilities Rs. 3,400.5 million and Rs. 4,310.4 million as at March 31, 2018 and March 31, 2019, respectively. Management believes that the realization of the recognized deferred tax assets is more likely than not and the realization is predominantly based on expectations as to future pretax income. The total unrecognized tax benefit as of March 31, 2018 and March 31, 2019 is Rs. 648.3 million and Rs. 14,448.1 million, respectively. The major income tax jurisdiction for the Bank is India. The open tax years (first assessment by the tax authorities) is pending from fiscal 2017 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: Fiscal year ended March 31, 2018 2019 2019 (In millions) Opening balance Rs. 648.3 Rs. 648.3 US$ 9.4 Increase/(decrease) related to prior year tax positions 0.0 13,799.8 199.5 Closing balance Rs. 648.3 Rs. 14,448.1 US$ 208.9 The Bank’s total unrecognized tax benefits, if recognized, would reduce the income tax expense by Rs. 14,448.1 million as of March 31, 2019 and thereby would affect the Bank’s effective tax rate. There is no tax liability relating to the above unrecognized tax benefits. 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 unrecognized tax benefits within income taxes.

Stock-based compensation

Stock-based compensation	12 Months Ended
	Mar. 31, 2019
Stock-based compensation	22. Stock-based compensation The stock-based compensation plans of the Bank are as follows. Employees Stock Option Scheme(ESOP): 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”, in June 2010 Plan “E”, in June 2013 Plan “F”, in July 2016 Plan “G” 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. The Bank reserved 100.0 million equity shares with an aggregate nominal value of Rs. 200.0 million, for issuance under each Plan “E”, “F” and “G”. Under the terms of each of these Plans, the Bank may issue stock options to employees and whole time 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 Nomination and Remuneration Committee of the Board (the “NRC”) at an average of the daily closing prices on the BSE Limited 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, Plan F and Plan G provide for the issuance of options at the recommendation of the NRC at the closing price on the working day immediately preceding the date when options are granted. 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, Plan F and Plan G, 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 NRC. These options are exercisable for a period following vesting at the discretion of the NRC, 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 NRC are disclosed separately. On April 4, 2017 and April 21, 2017, the NRC approved, under Plan F, the grant of 16,865,850 options (Scheme XXVII) and the grant of 16,200 options (Scheme XXVIII), respectively, to the employees of the Bank. On September 1, 2018, September 29, 2018 and February 2, 2019 the Nomination and Remuneration Committee of the Board approved, under Plan G, the grant of 19,119,000 options (Scheme XXIX), the grant of 440,000 options (Scheme XXX) and the grant of 336,000 options (Scheme XXXI), respectively, to the employees of the Bank. Modification of employee stock option schemes During the periods ended March 31, 2017, March 31, 2018 and March 31, 2019, 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, 2017 2018 2019 Dividend yield 0.0 0.65%-0.66% 0.62%-0.65% Expected volatility 0.0 19.94%-21.65% 14.53%-18.68% Risk-free interest rate 0.0 6.73%-7.20% 7.23%-8.31% Expected term (in years) 0.0 4.66-6.06 2.78-5.16 The Bank recognizes compensation expense related to stock and option awards over the requisite service period, generally based on the instruments’ grant-date fair value, reduced by expected forfeitures. Ultimately, the compensation cost for all awards that vest is recognized. Activity and other details Activity in the options available to be granted under the Employee Stock Option Scheme is as follows: Number of options available to be granted 2017 2018 2019 Options available to be granted, beginning of period 31,534,850 133,673,650 117,841,600 Equity shares allocated for grant under the plan 100,000,000 0.0 0.0 Options granted 0.0 (16,882,050 ) (19,895,000 ) Forfeited/lapsed 2,138,800 1,050,000 3,260,085 Options available to be granted, end of period 133,673,650 117,841,600 101,206,685 Activity in the options outstanding under the Employee Stock Option Scheme is as follows: Years ended March 31, 2017 2018 2019 Options Weighted Options Weighted Options Weighted Options outstanding, beginning of period 128,654,300 Rs. 840.19 92,156,300 Rs. 904.97 75,443,800 Rs. 1,050.22 Granted 0.0 0.0 16,882,050 1,433.23 19,895,000 2,060.47 Exercised (34,359,200 ) 658.20 (32,544,550 ) 837.59 (23,772,304 ) 925.79 Forfeited (1,992,500 ) 981.44 (986,800 ) 1,055.59 (3,205,385 ) 1,518.42 Lapsed (146,300 ) 857.61 (63,200 ) 963.45 (54,700 ) 837.10 Options outstanding, end of period 92,156,300 Rs. 904.97 75,443,800 Rs. 1,050.22 68,306,411 Rs. 1,365.97 Options exercisable, end of period 56,314,000 Rs. 835.06 46,810,250 Rs. 901.44 40,304,861 Rs. 1,017.78 Weighted average fair value of options granted during the year Rs. 0.0 Rs. 464.17 Rs. 525.57 The following summarizes information about stock options outstanding as of March 31, 2019: As of March 31, 2019 Plan Range of exercise price Number of Weighted Weighted Plan C Rs.680.00 to Rs.835.50 (or US$ 9.83 to US$ 12.08) 1,537,400 0.87 685.70 Plan D Rs.680.00 (or US$ 9.83) 659,900 0.97 680.00 Plan E Rs.680.00 (or US$ 9.83) 2,498,700 0.96 680.00 Plan F Rs.835.50 to Rs. 1,462.15 (or US$ 12.08 to US$ 21.14) 44,238,411 2.71 1,134.48 Plan G Rs.2,006.05 to Rs. 2,090.45 (or US$ 29.01 to US$ 30.23) 19,372,000 3.57 2,060.45 The intrinsic value, of options exercised during the years ended March 31, 2017, March 31, 2018 and March 31, 2019 at grant date was Rs. 140.7 million, Rs. 28.8 million and nil, respectively, and at exercise date was Rs. 26,951.4 million, Rs. 34,123.2 million and Rs. 33,117.4 million, respectively. The aggregate intrinsic value as of grant date and as at March 31, 2019 attributable to options which are outstanding as on March 31, 2019 was Rs. 0.6 million (previous year Rs. 0.6 million) and Rs. 65,091.1 million (previous year Rs. 63,062.0 million), respectively. The aggregate intrinsic value as at grant date and as at March 31, 2019 attributable to options exercisable as on March 31, 2019 was Rs. 0.2 million (previous year nil) and was Rs. 52,441.6 million (previous year Rs. 46,092.3 million), respectively. Total stock compensation cost (including on modification) recognized under these plans was Rs. 8,203.2 million, Rs. 6,594.6 million and Rs. 5,343.3 million during the years ended March 31, 2017, March 31, 2018 and March 31, 2019, respectively. There is no income tax benefit recognized associated with share-based compensation expense. As of March 31, 2019, there were 28,001,550 (previous year 28,633,550) unvested options with weighted average exercise price of Rs. 1,867.2 (previous year Rs. 1,293.5) and aggregate intrinsic value at grant date and as at March 31, 2019 was Rs. 0.3 million (previous year Rs. 0.6 million) and Rs.12,649.5 million (previous year Rs. 16,969.6 million), respectively. As at March 31, 2019, the total estimated compensation cost to be recognized in future periods was Rs.7,065.9 million (previous year Rs. 4,168.8 million). This is expected to be recognized over a weighted average period of 0.92 years.

Retirement benefits

Retirement benefits	12 Months Ended
	Mar. 31, 2019
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, 2018 and March 31, 2019: As of March 31, 2018 2019 2019 (In millions) Change in benefit obligations: Projected benefit obligation (“PBO”), beginning of the period Rs. 5,225.6 Rs. 5,975.5 US$ 86.4 Service cost 741.0 820.6 11.9 Interest cost 392.2 476.7 6.9 Actuarial(gains)/ losses 97.8 (46.4 ) (0.7 ) Benefits paid (481.1 ) (572.9 ) (8.3 ) Projected benefit obligation, end of the period 5,975.5 6,653.5 96.2 Change in plan assets: Fair value of plan assets, beginning of the period 3,902.2 4,573.4 66.1 Expected return on plan assets 297.4 347.4 5.0 Actuarial gains/(losses) 12.7 130.2 1.9 Actual return on plan assets 310.1 477.6 6.9 Employer contributions 842.2 1,023.7 14.8 Benefits paid (481.1 ) (572.9 ) (8.3 ) Fair value of plan assets, end of the period 4,573.4 5,501.8 79.5 Funded Status Rs. (1,402.1 ) Rs. (1,151.7 ) US$ (16.7 ) The Bank’s expected contribution to the gratuity fund for the next fiscal year is estimated at Rs. 1,096.8 million. The accumulated benefit obligation as of March 31, 2018 and March 31, 2019 was Rs. 3,363.1 million and Rs. 3,777.3 million, respectively. The vested accumulated benefit obligation as on March 31, 2018 and March 31, 2019 was Rs. 3,032.9 million and Rs. 3,292.4 million, respectively. Net gratuity cost for the years ended March 31, 2017, March 31, 2018 and March 31, 2019 was comprised of the following components: Fiscal years ended March 31, 2017 2018 2019 2019 (In millions) Service cost Rs. 860.6 Rs. 741.0 Rs. 820.6 US$ 11.9 Interest cost 454.6 392.2 476.7 6.9 Expected return on plan assets (389.7) (297.4) (347.4) (5.0 ) Actuarial (gains)/losses 287.6 85.1 (176.6 ) (2.6 ) Net gratuity cost* Rs. 1,213.1 Rs. 920.9 Rs. 773.3 US$ 11.2 * Effective April 1, 2018, the Bank adopted ASU 2017-07 Non-interest Non-interest The assumptions used in accounting for the gratuity plan are set out below: Fiscal years ended March 31, 2017 2018 2019 (% per annum) Discount rate* 6.8-8.1 7.4-8.0 7.2-8.4 Rate of increase in compensation levels of covered employees 5.0-12.0 5.0-11.0 5.0-9.0 Rate of return on plan assets 7.0-7.6 7.0-8.0 7.0-7.2 Mortality rates used are based on the published “Indian Assured Lives Mortality (2012-2014) Ultimate” table * 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) 2020 Rs. 847.8 2021 713.9 2022 604.1 2023 527.1 2024 470.2 2025 - 2029 1,906.5 The expected benefit payments are based on the same assumptions used to measure the Bank’s benefit obligations as of March 31, 2019. 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, 2019, the plan assets as a percentage of the total funds were as follows: As of March 31, 2019 Funds managed Funds managed Funds Government securities 76.9 % 15.7 % 36.0 % Debenture and bonds 17.3 % 29.5 % 48.8 % Equity securities 5.5 % 53.3 % 0.0 Other 0.3 % 1.5 % 15.2 % 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, 2019 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 a CTC driven compensation structure, any contribution made until such date, and any additional one-time lock-in-period 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, 2018 and March 31, 2019: As of March 31, 2018 2019 2019 (In millions) Change in benefit obligations: Projected benefit obligation (“PBO”), beginning of the period Rs. 722.2 Rs. 722.8 US$ 10.5 Service cost 7.6 7.7 0.1 Interest cost 57.9 66.3 1.0 Actuarial (gains)/losses 22.6 6.5 0.1 Benefits paid (87.5 ) (125.7 ) (1.8 ) Projected benefit obligation, end of the period 722.8 677.6 9.9 Change in plan assets: Fair value of plan assets, beginning of the period 361.6 313.0 4.5 Expected return on plan assets 23.6 18.6 0.3 Actuarial gains/(losses) 5.9 4.8 0.1 Actual return on plan assets 29.5 23.4 0.4 Employer contributions 9.4 8.8 0.1 Benefits paid (87.5 ) (125.7 ) (1.8 ) Fair value of plan assets, end of the period 313.0 219.5 3.2 Funded Status Rs. (409.8 ) Rs. (458.1 ) US$ (6.7 ) The Bank’s expected contribution to the pension fund for the next fiscal year is estimated at Rs. 140.5 million. The accumulated benefit obligation as of March 31, 2018 and March 31, 2019 was Rs. 502.1 million and Rs. 468.3 million, respectively. The vested accumulated benefit obligation as of March 31, 2018 and March 31, 2019 was Rs. 473.7 million and Rs. 455.5 million, respectively. Net pension cost for the years ended March 31, 2017, March 31, 2018 and March 31, 2019 was comprised of the following components: As of March 31, 2017 2018 2019 2019 (In millions) Service cost Rs. 12.9 Rs. 7.6 Rs. 7.7 US$ 0.1 Interest cost 53.4 57.9 66.3 1.0 Expected return on plan assets (26.1 ) (23.6 ) (18.6 ) (0.3 ) Actuarial (gains)/losses 17.7 16.7 1.7 0.0 Net pension cost* Rs. 57.9 Rs. 58.6 Rs. 57.1 US$ 0.8 * Effective April 1, 2018, the Bank adopted ASU 2017-07 Non-interest Non-interest The assumptions used in accounting for the pension plan are set out below: Fiscal years ended March 31, 2017 2018 2019 (% per annum) Discount rate* 8.1 8.0 8.4 Rate of increase in compensation levels of covered employees 8.0 8.0 8.0 Rate of return on plan assets 7.0 7.0 7.0 Mortality rates used are based on the published “Indian Assured Lives Mortality (2012-2014) Ultimate” table * 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) 2020 Rs. 107.7 2021 97.5 2022 54.2 2023 26.6 2024 42.8 2025-2029 117.5 The expected benefits are based on the same assumptions used to measure the Bank’s benefit obligations as of March 31, 2019. 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, 2019 is as follows: Asset category Funds managed Government securities 8.5 % Debenture and bonds 91.5 % Other 0.0 % 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, 2018 and March 31, 2019 are summarized in the table below. As of March 31, 2018 As of March 31, 2019 Level 1 Level 2 Level 3 Level 1 Level 2 Level 3 (In millions) Funds managed by insurance company (1) Rs. 0.0 Rs. 0.0 Rs. 519.9 Rs. 0.0 Rs. 0.0 Rs. 625.0 Funds managed by insurance company (2) 0.0 3,797.4 0.0 0.0 4,632.5 0.0 Funds managed by trust — Government securities 0.0 106.0 0.0 0.0 106.6 0.0 — Debenture and bonds 0.0 372.4 0.0 0.0 320.1 0.0 — Others 90.7 0.0 0.0 37.1 0.0 0.0 Total Rs. 90.7 Rs. 4,275.8 Rs. 519.9 Rs. 37.1 Rs. 5,059.2 Rs. 625.0 US$ 0.5 US$ 73.2 US$ 9.0 The table below presents a reconciliation of all Plan investment assets measured at fair value using significant unobservable inputs (Level 3) during fiscal 2018 and 2019. Funds managed by Insurance 2018 2019 2019 (In millions) Particulars Opening balance Rs. 457.7 Rs. 519.9 US$ 7.5 Realized interest credited to fund 40.6 36.7 0.5 Contribution during the period 93.2 88.6 1.3 Amount paid towards claim (71.6 ) (20.2 ) (0.3 ) Closing balance Rs. 519.9 Rs. 625.0 US$ 9.0 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 insurance companies in 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. 786.7 million, Rs. 676.8 million and Rs. 1,034.1 million to the superannuation plan for the years ended March 31, 2017, March 31, 2018 and March 31, 2019, 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. 0.015 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 amount contributed being Rs. 2,920.0 million, Rs. 3,081.4 million and Rs. 3,312.1 million to the Provident Fund Trust and Regional Provident Fund Commissioner for the years ended March 31, 2017, March 31, 2018 and March 31, 2019, respectively. The Hon’ble Supreme Court of India issued an order dated February 28, 2019 relating to employer’s contribution to the provident fund under the Employees’ Provident Funds and Miscellaneous Provisions Act, 1952. Based on external legal opinion, the Bank has concluded the abovementioned order is applicable prospectively and hence it is not probable that there will be an outflow of resources in relation to past periods. National Pension Scheme In respect of employees who opt for contribution to the National Pension Scheme, the Bank contributes a certain percentage of the basic salary of employees to the aforesaid scheme, a defined contribution plan, which is managed and administered by pension fund management companies. The Bank has no liability other than its contribution, and recognizes such contributions as an expense in the year incurred. The amount contributed being Rs. 27.6 million and Rs. 32.7 million to the National Pension Scheme for the fiscal years ended March 31, 2018 and March 31, 2019, respectively. Compensated absences The Bank has provided for unutilized leave balances as on March 31, 2019 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, 2019
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. Interest rate swaps are commitments to exchange fixed and floating rate interest cash flows. 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, 2018 and March 31, 2019, together with the fair values on each reporting date. As of March 31, 2018 Notional Gross Assets Gross Liabilities Net Fair Value (In millions) Interest rate derivatives Rs. 3,084,700.1 Rs. 10,618.3 Rs. 9,520.9 Rs. 1,097.4 Forward rate agreements 2,073.1 2.5 2.6 (0.1 ) Currency options 234,613.3 1,863.1 2,361.6 (498.5 ) Currency swaps 161,301.3 4,929.0 4,882.5 46.5 Forward exchange contracts 4,344,675.7 33,423.4 39,357.1 (5,933.7 ) Total Rs. 7,827,363.5 Rs. 50,836.3 Rs. 56,124.7 Rs. (5,288.4 ) As of March 31, 2019 Notional Gross Assets Gross Liabilities Net Fair Value Notional Net Fair Value (In millions) Interest rate derivatives Rs. 3,159,867.1 Rs. 27,932.0 Rs. 27,102.8 Rs. 829.2 US$ 45,689.2 US$ 12.0 Forward rate agreements 0.0 0.0 0.0 0.0 0.0 0.0 Currency options 282,096.9 2,326.1 2,617.2 (291.1 ) 4,078.9 (4.2 ) Currency swaps 197,044.2 5,841.0 4,070.7 1,770.3 2,849.1 25.6 Forward exchange contracts 5,561,859.5 96,425.0 94,658.3 1,766.7 80,420.2 25.5 Total Rs. 9,200,867.7 Rs. 132,524.1 Rs. 128,449.0 Rs. 4,075.1 US$ 133,037.4 US$ 58.9 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 net income. 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 – 2017 2018 2019 2019 (In millions) Interest rate derivatives Rs. 399.3 Rs. 1,027.5 Rs. 736.4 US$ 10.6 Forward rate agreements 1.2 0.5 0.1 0.0 Currency options 677.7 (15.0 ) (262.5 ) (3.8 ) Currency swaps (2,453.4 ) (1,706.9 ) 1,045.0 15.1 Forward exchange contracts (4,363.3 ) 7,436.5 10,890.1 157.5 Total gains/(losses) Rs. (5,738.5 ) Rs. 6,742.6 Rs. 12,409.1 US$ 179.4 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 210-20-45 815-10-45. 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, 2018 Amounts subject to enforceable netting arrangements Effects of offsetting on balance sheet Related amounts not offset Gross Amounts Amounts Net amounts Financial Financial Net amount (In millions) Financial assets Derivative assets Rs. 50,836.3 Rs. 0.0 Rs. 50,836.3 Rs. 34,782.9 Rs. 4,297.0 Rs. 11,756.4 Securities purchased under agreements to resell 650,018.6 0.0 650,018.6 0.0 650,018.6 0.0 Financial liabilities Derivative liabilities Rs. 56,124.7 Rs. 0.0 Rs. 56,124.7 Rs. 34,782.9 Rs. 378.3 Rs. 20,963.5 Securities sold under repurchase agreements 138,000.0 0.0 138,000.0 0.0 138,000.0 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. As of March 31, 2019 Amounts subject to enforceable netting arrangements Effects of offsetting on balance sheet Related amounts not offset Gross Amounts Amounts Net amounts Financial Financial Net amount (In millions) Financial assets Derivative assets Rs. 132,524.1 Rs. 0.0 Rs. 132,524.1 Rs. 104,025.7 Rs. 2,651.7 Rs. 25,846.7 US$ 373.7 Securities purchased under agreements to resell 76,213.5 0.0 76,213.5 0.0 76,213.5 0.0 0.0 Financial liabilities Derivative liabilities Rs. 128,449.0 Rs. 0.0 Rs. 128,449.0 Rs. 104,025.7 Rs. 3,098.1 Rs. 21,325.2 US$ 308.3 Securities sold under repurchase agreements 174,000.0 0.0 174,000.0 0.0 174,000.0 0.0 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 its 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 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 accordance with FASB ASC 460-10 Details of guarantees and documentary credits outstanding are set out below: As of March 31, 2018 2019 2019 (In millions) Nominal values: Bank guarantees: Financial guarantees Rs. 237,417.3 Rs. 254,075.9 US$ 3,673.7 Performance guarantees 214,088.3 285,748.4 4,131.7 Documentary credits 395,452.7 475,617.8 6,877.1 Total Rs. 846,958.3 Rs. 1,015,442.1 US$ 14,682.5 Estimated fair values: Guarantees Rs. (2,825.4) Rs. (3,544.4) US$ (51.2) Documentary credits (406.1 ) (501.7 ) (7.3 ) Total Rs. (3,231.5 ) Rs. (4,046.1 ) US$ (58.5 ) 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. Margins in the form of cash and fixed deposit available to the Bank to reimburse losses realized under guarantees amounted to Rs. 103.9 billion and Rs. 99.5 billion as of March 31, 2018 and March 31, 2019, respectively. Other property or security may also be available to the Bank to cover losses under these guarantees. Undrawn commitments The Bank has outstanding undrawn commitments to provide loans and financing to customers. These commitments aggregated to Rs. 452.0 billion and Rs. 452.9 billion (US$ 6.5 billion) as of March 31, 2018 and March 31, 2019, respectively. 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. 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. Further, the Bank has unconditional cancellable commitments aggregating to Rs. 2,738.5 billion and Rs. 3,150.9 billion (US$ 45.6 billion) as of March 31, 2018 and March 31, 2019, respectively.

Estimated fair value of financi

Estimated fair value of financial instruments	12 Months Ended
	Mar. 31, 2019
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, 2018 and March 31, 2019. The estimated fair value amounts as of March 31, 2018 and March 31, 2019 have been measured as of the respective year ends, and have not been re-evaluated A comparison of the fair values and carrying values of financial instruments is set out below: As of March 31, 2018 March 31, 2019 Estimated Fair Value Estimated Fair Value Carrying Value Level 1 Level 2 Level 3 Total Carrying Level 1 Level 2 Level 3 Total Carrying Estimated (In millions) Financial Assets: Cash and due from banks, and restricted cash Rs. 574,151.0 Rs. 574,151.0 Rs. 0.0 Rs. 0.0 Rs. 574,151.0 Rs. 734,872.6 Rs. 734,872.6 Rs. 0.0 Rs. 0.0 Rs. 734,872.6 US$ 10,625.7 US$ 10,625.7 Investments held for trading 167,513.9 3,652.4 163,861.5 0.0 167,513.9 265,516.1 1,999.6 263,516.5 0.0 265,516.1 3,839.2 3,839.2 Investments available for sale debt securities 2,221,443.3 4,009.7 2,198,899.0 18,534.6 2,221,443.3 2,633,348.4 34,807.2 2,559,728.3 38,812.9 2,633,348.4 38,076.2 38,076.2 Securities purchased under agreements to resell 650,018.6 0.0 650,018.6 0.0 650,018.6 76,213.5 0.0 76,213.5 0.0 76,213.5 1,102.0 1,102.0 Loans 7,263,671.8 0.0 2,078,100.0 5,218,275.8 7,296,375.8 8,963,232.6 0.0 2,593,533.9 6,378,523.8 8,972,057.7 129,601.3 129,729.0 Accrued interest receivable 77,894.7 0.0 77,894.7 0.0 77,894.7 93,031.7 0.0 93,031.7 0.0 93,031.7 1,345.2 1,345.2 Other assets 248,805.3 559.3 246,590.6 0.0 247,149.9 344,873.6 2,390.1 340,767.5 0.0 343,157.6 4,986.6 4,961.8 Financial Liabilities Interest-bearing deposits 6,693,649.3 0.0 6,716,360.3 0.0 6,716,360.3 7,804,717.5 0.0 7,826,794.0 0.0 7,826,794.0 112,850.2 113,169.4 Non-interest-bearing 1,190,102.2 0.0 1,190,102.2 0.0 1,190,102.2 1,420,309.4 0.0 1,420,309.4 0.0 1,420,309.4 20,536.6 20,536.6 Securities sold under repurchase agreements 138,000.0 0.0 138,000.0 0.0 138,000.0 174,000.0 0.0 174,000.0 0.0 174,000.0 2,515.9 2,515.9 Short-term borrowings 779,201.7 0.0 779,418.7 0.0 779,418.7 654,058.0 0.0 655,215.2 0.0 655,215.2 9,457.2 9,473.9 Accrued interest payable 65,514.4 0.0 65,514.4 0.0 65,514.4 79,372.5 0.0 79,372.5 0.0 79,372.5 1,147.7 1,147.7 Long-term debt 932,906.3 0.0 943,813.5 0.0 943,813.5 1,044,553.0 0.0 1,061,687.0 0.0 1,061,687.0 15,103.4 15,351.2 Accrued expenses and other liabilities 301,871.0 0.0 301,871.0 0.0 301,871.0 366,071.3 0.0 366,071.3 0.0 366,071.3 5,293.1 5,293.1

Segment information

Segment information	12 Months Ended
	Mar. 31, 2019
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 grant 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 given 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 proprietary account (including investments in government securities), foreign exchange operations and derivatives trading both on 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, 2017, March 31, 2018 and March 31, 2019: Fiscal year ended March 31, 2017 2018 Retail Wholesale Treasury Total Retail Wholesale Treasury Total (In millions) Net interest income/(expense) (External) Rs. 188,803.6 Rs. 159,644.3 Rs. 3,347.7 Rs. 351,795.6 Rs. 279,198.3 Rs. 120,341.3 Rs. 23,611.0 Rs. 423,150.6 Net interest income/(expense) (Internal) 97,969.3 (100,757.5 ) 2,788.2 0.0 65,690.2 (48,571.1 ) (17,119.1 ) 0.0 Net interest revenue 286,772.9 58,886.8 6,135.9 351,795.6 344,888.5 71,770.2 6,491.9 423,150.6 Less: Provision for credit losses 31,341.7 6,609.7 0.0 37,951.4 52,577.1 6,820.7 0.0 59,397.8 Net interest revenue, after allowance for credit losses 255,431.2 52,277.1 6,135.9 313,844.2 292,311.4 64,949.5 6,491.9 363,752.8 Non-interest 95,914.4 11,090.1 3,321.6 110,326.1 122,582.6 12,674.1 9,350.3 144,607.0 Non-interest (187,591.4 ) (15,352.0 ) (1,261.4 ) (204,204.8 ) (210,257.2 ) (19,792.1 ) (1,204.1 ) (231,253.4 ) Income before income tax Rs. 163,754.2 Rs. 48,015.2 Rs. 8,196.1 Rs. 219,965.5 Rs. 204,636.8 Rs. 57,831.5 Rs. 14,638.1 Rs. 277,106.4 Income tax expense Rs. 79,224.9 Rs. 98,272.5 Segment assets: Segment total assets Rs. 4,987,187.1 Rs. 3,346,273.0 Rs. 733,520.4 Rs. 9,066,980.5 Rs. 6,351,601.7 Rs. 4,140,606.7 Rs. 875,100.4 Rs. 11,367,308.8 Fiscal year ended March 31, 2019 Retail Banking Wholesale Treasury Total Total (In millions) Net interest income/(expense) (External) Rs. 336,677.1 Rs. 140,085.0 Rs. 30,743.5 Rs. 507,505.6 US$ 7,338.1 Net interest income/(expense) (Internal) 62,339.1 (43,842.8 ) (18,496.3 ) 0.0 0.0 Net interest revenue 399,016.2 96,242.2 12,247.2 507,505.6 7,338.1 Less: Provision for credit losses 64,051.0 8,228.3 0.0 72,279.3 1,045.1 Net interest revenue, after allowance for credit losses 334,965.2 88,013.9 12,247.2 435,226.3 6,293.0 Non-interest 138,783.0 23,789.6 (2,450.4 ) 160,122.2 2,315.2 Non-interest (230,726.5 ) (22,744.8 ) (1,918.2 ) (255,389.5 ) (3,692.7 ) Income before income tax Rs. 243,021.7 Rs. 89,058.7 Rs. 7,878.6 Rs. 339,959.0 US$ 4,915.5 Income tax expense Rs. 119,393.5 US$ 1,726.3 Segment assets: Segment total assets Rs. 7,432,733.8 Rs. 4,732,290.7 Rs. 1,115,049.1 Rs. 13,280,073.6 US$ 192,019.7

Commitments and contingencies

Commitments and contingencies	12 Months Ended
	Mar. 31, 2019
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, 2018 and March 31, 2019 aggregated Rs. 5,196.7 million and Rs. 5,503.6 million, respectively. Contingencies The Bank is party to various legal proceedings in the normal course of business. The Bank estimates the provision for contingencies which majorly include 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, 2019 aggregated to Rs. 8,936.3 million (previous year Rs. 8,398.3 million). 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 other 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 sub-lease As of March 31, 2017 2018 2019 2019 (In millions) The total minimum lease expense during the year recognized in the consolidated statement of income Rs. 11,548.5 Rs. 12,311.3 Rs. 12,700.8 US$ 183.6 The future minimum lease payments as of March 31, 2019 were as follows: Year ending March 31, Payments (In millions) 2020 Rs. 10,538.6 US$ 152.4 2021 9,921.4 143.5 2022 9,100.7 131.6 2023 8,137.3 117.7 2024 7,104.2 102.7 Thereafter 41,090.6 594.1 Total Rs. 85,892.8 US$ 1,242.0 The terms of renewal and escalation clauses are those normally prevalent in similar agreements. There are no undue restrictions or onerous clauses in the agreements. Reward points The movement in provision for credit card and debit card reward points as of March 31, 2018 and March 31, 2019 is as follows: As of March 31, 2018 2019 2019 (In millions) Opening provision of reward points Rs. 4,312.4 Rs. 4,711.2 US$ 68.1 Provision made during the year 2,650.9 3,747.3 54.2 Utilization/write back of provision (2,220.7 ) (2,555.9 ) (37.0 ) Effect of change in rate of accrual of reward points 1.3 91.5 1.3 Effect of change in cost of reward points (32.7 ) 36.8 0.5 Closing provision of reward points Rs. 4,711.2 Rs. 6,030.9 US$ 87.1

Related party transactions

Related party transactions	12 Months Ended
	Mar. 31, 2019
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 in the normal course of business and are summarized as follows: Balances payable to related parties are as follows: As of March 31, 2018 2019 Principal Others Total Principal Others Total Total (In millions) Balances in non-interest-bearing Rs. 21,758.0 Rs. 11,771.8 Rs. 33,529.8 Rs. 32,176.8 Rs. 14,170.1 Rs. 46,346.9 US$ 670.1 Balances in interest-bearing deposits 10,749.7 1,905.0 12,654.7 733.1 1,732.9 2,466.0 35.7 Accrued expenses and other liabilities 327.8 — 327.8 836.4 0.0 836.4 12.1 Total Rs. 32,835.5 Rs. 13,676.8 Rs. 46,512.3 Rs. 33,746.3 Rs. 15,903.0 Rs. 49,649.3 US$ 717.9 Balances receivable from related parties are as follows: As of March 31, 2018 2019 Principal Others Total Principal Others Total Total (In millions) Loans Rs. 0.0 Rs. 55.0 Rs. 55.0 Rs. 0.0 Rs. 33.9 Rs. 33.9 US$ 0.5 Other assets 288.1 2,317.3 2,605.4 310.2 1,474.7 1,784.9 25.8 Total Rs. 288.1 Rs. 2,372.3 Rs. 2,660.4 Rs. 310.2 Rs. 1,508.6 Rs. 1,818.8 US$ 26.3 Purchase of property and equipment from related parties for the years ended March 31, 2018 and 2019 were nil. Purchase and sale of investments from Others for the year ended March 31, 2019 were Rs. 6,490.7 million (previous year Rs. 4,565.9 million) and Rs. 22,236.2 million (previous year Rs. 5,099.3 million), respectively. Investments of Others in the Bank’s subordinated debt for the fiscal year ended March 31, 2019 were Rs. 250.0 million (previous year Rs. 250.0 million). Included in the determination of net income are the following significant transactions with related parties: Fiscal year ended March 31, 2017 2018 2019 Principal Others Total Principal Others Total Principal Others Total Total (In millions) Non-interest Rs. 2,074.5 Rs. 10,356.4 Rs. 12,430.9 Rs. 2,642.7 Rs. 14,913.5 Rs. 17,556.2 Rs. 2,829.7 Rs. 14,558.3 Rs. 17,388.0 US$ 251.4 Interest and Dividend revenue 0.0 37.2 37.2 132.8 1,396.9 1,529.7 352.0 1,549.7 1,901.7 27.5 Interest expense-Deposits (55.7 ) (117.7 ) (173.4 ) (59.6 ) (115.9 ) (175.5 ) (54.9 ) (138.0 ) (192.9 ) (2.8 ) Non-interest (3,405.7 ) (1,582.2 ) (4,987.9 ) (4,031.9 ) (2,266.8 ) (6,298.7 ) (4,838.3 ) (2,841.7 ) (7,680.0 ) (111.0 ) Non-interest (25.3 ) (7.7 ) (33.0 ) (19.8 ) (7.6 ) (27.4 ) (31.2 ) (6.1 ) (37.3 ) (0.5 ) Other transactions with the Bank’s principal owner are as follows: During the years ended March 31, 2018 and March 31, 2019, the Bank purchased loans from the principal owner aggregating Rs. 56,239.4 million and Rs. 239,824.2 million, respectively. Dividends paid to the principal owner during the years ended March 31, 2018 and March 31, 2019 were Rs. 4,325.3 million and Rs. 5,111.7 million, respectively. The Bank also enters into foreign exchange and derivative transactions with its principal owner. The notional principal amount and the mark-to-market For contributions made to provident funds and pension funds set up by the Bank, see note 23 – Retirement benefits.

Earnings per equity share

Earnings per equity share	12 Months Ended
	Mar. 31, 2019
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 nil were excluded from the calculation of diluted earnings per share for the years ended March 31, 2018 and March 31, 2019, respectively, as these were anti-dilutive. As of March 31, 2017 2018 2019 Weighted average number of equity shares used in computing basic earnings per equity share 2,544,333,609 2,580,538,505 2,680,034,029 Effect of potential equity shares for stock options outstanding 31,017,917 33,400,121 26,792,948 Weighted average number of equity shares used in computing diluted earnings per equity share 2,575,351,526 2,613,938,626 2,706,826,977 The following are reconciliations of basic and diluted earnings per equity share and earnings per ADS. Fiscal years ended March 31, 2017 2018 2019 2019 Basic earnings per share Rs. 55.23 Rs. 69.18 Rs. 82.13 US$ 1.19 Effect of potential equity shares for stock options outstanding 0.66 0.89 0.82 0.01 Diluted earnings per share Rs. 54.57 Rs. 68.29 Rs. 81.31 US$ 1.18 Basic earnings per ADS Rs. 165.69 Rs. 207.54 Rs. 246.39 US$ 3.57 Effect of potential equity shares for stock options outstanding 1.98 2.67 2.46 0.03 Diluted earnings per ADS Rs. 163.71 Rs. 204.87 Rs. 243.93 US$ 3.54 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

Investments in Subsidiaries_Aff

Investments in Subsidiaries/Affiliates	12 Months Ended
	Mar. 31, 2019
Subsidiaries
Investments in Subsidiaries/Affiliates	30. Subsidiaries HDB Financial Services Limited (“HDBFSL”) is a non-deposit non-banking On December 1, 2016, Atlas Documentary Facilitators Company Private Limited (“ADFC”) and its subsidiary HBL Global Private Limited (“HBL”) amalgamated with HDBFSL. ADFC specializes in back office processing and the Bank regularly transacts business with ADFC. As of the date of amalgamation the Bank effectively held 59.0% equity interests of ADFC and consolidated its financial statements. HBL provides direct sales support for certain products of the Bank. As of date of amalgamation ADFC held 98.0% of its equity and the financial statements of HBL were consolidated. In terms of the scheme of amalgamation HDBFSL issued 7,540,515 equity shares of Rs. 10 each to ADFC equity shareholders (in the ratio of 16.75 HDBFSL equity shares of Rs. 10 each for every 1 (one) equity share of Rs. 10/- of ADFC) and it also issued 20,470 HDBFSL equity shares of Rs. 10 each to HBL equity shareholders (in the ratio of 102.35 HDBFSL equity shares of Rs. 10 each for every 1 (one) equity share of Rs. 10 of HBL). In terms of the scheme of amalgamation it was agreed that the “effective date” of the amalgamation would be the date or the last of the dates on which the certified copies of the orders passed by the High Court of Judicature at Bombay and the High Court of Judicature at Gujarat, approving the scheme, are filed by each of the Transferor Companies (viz. ADFC and HBL) and the Transferee Company (viz. HDBFSL) with the respective Registrar of Companies (ROC). Accordingly, December 1, 2016 is determined as the “Effective Date” of the Scheme of Amalgamation between ADFC and HBL with HDBFSL being the last of the dates on which the certified copy of the Bombay High Court order approving the Scheme was filed with the ROC by the transferor companies. The amalgamation did not have a material impact on the Bank’s financial condition and results of operation since the financial statements of the three named companies i.e., HDBFSL, ADFC and HBL were hitherto also consolidated by the Bank. HDFC Securities Ltd. (“HSL”) offers trading facilities in a range of equity, fixed income and derivative products to its clients. As at March 31, 2019 the Bank holds a 97.6% (previous year 97.9%) effective equity interest. The financial statements of HSL are consolidated.
Others
Investments in Subsidiaries/Affiliates	31. Investments in Affiliates The Bank frequently partners with other HDFC group companies when making investments. The Bank currently has one strategic investment in which HDFC group companies are co-investors. Company* Type of Business HDFC Bank Limited HDFC Bank Limited Total HDFC (In millions) Softcell Technologies Limited (“Softcell”) Business-to-business Rs. 30.3 14.0 % 26.0 % * Computer Age Management Services Private Limited (“CAMS”) is no longer accounted for under the equity method of accounting. The total HDFC Group Ownership in this strategic investment is 12.5% of which HDFC Bank Limited and Subsidiary Ownership is 6.5%. * International Asset Reconstruction Company Private Limited (“IARC”) is no longer accounted for under the equity method of accounting. The total HDFC Bank Limited Ownership in this investment is 19.2%. There are no investments in this company either by the Bank’s subsidiaries or any other group companies. 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. (2.3) million in fiscal March 31, 2019 (previous year Rs. 156.0 million). This is included under non-interest

Fair value measurement

Fair value measurement	12 Months Ended
	Mar. 31, 2019
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 positions 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 debt securities: Available for sale debt securities 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, 2018 and March 31, 2019. The following table summarizes investments measured at fair value on a recurring basis as of March 31, 2018, 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 Significant other Significant (In millions) Trading account securities Rs. 167,513.9 Rs. 3,652.4 Rs. 163,861.5 Rs. 0.0 Securities Available-for-Sale 2,221,443.3 4,009.7 2,198,899.0 18,534.6 Equity securities* # 559.3 559.3 0.0 0.0 Total Rs. 2,389,516.5 Rs. 8,221.4 Rs. 2,362,760.5 Rs. 18,534.6 The following table summarizes investments measured at fair value on a recurring basis as of March 31, 2019, 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 Significant other Significant (In millions) Trading account securities Rs. 265,516.1 Rs. 1,999.6 Rs. 263,516.5 Rs. 0.0 Securities Available-for-Sale 2,633,348.4 34,807.2 2,559,728.3 38,812.9 Equity securities* # 11,024.0 2,390.1 8,633.9 0.0 Total Rs. 2,909,888.5 Rs. 39,196.9 Rs. 2,831,878.7 Rs. 38,812.9 Total US$ 42,074.7 US$ 566.7 US$ 40,946.8 US$ 561.2 * Effective April 1, 2018, the Bank adopted ASU 2016-01 # Equity securities classified within other assets. Available-for-Sale Particulars As of March 31, 2018 (in millions) Beginning balance at April 1, 2017 Rs. 21,899.1 Total gains or losses (realized/unrealized) -Included in net income 0.0 -Included in other comprehensive income (76.9 ) Purchases/additions 13,110.3 Sales 0.0 Issuances 0.0 Settlements (16,397.9 ) Transfers in Level 3 0.0 Transfers out of Level 3 0.0 Foreign currency translation adjustment 0.0 Ending balance at March 31, 2018 Rs. 18,534.6 Total amount of gains or (losses) included in net income attributable to change in unrealized gains or (losses) relating to assets still held at reporting date Rs 0.0 Particulars As of March 31, 2019 (In millions) Beginning balance at April 1, 2018 Rs. 18,534.6 Total gains or losses (realized/unrealized) -Included in net income 0.0 -Included in other comprehensive income 355.9 Purchases/additions 42,885.7 Sales 0.0 Issuances 0.0 Settlements (22,963.3 ) Transfers in Level 3 0.0 Transfers out of Level 3 0.0 Foreign currency translation adjustment 0.0 Ending balance at March 31, 2019 Rs. 38,812.9 Total amount of gains or (losses) included in net income attributable to change in unrealized gains or (losses) relating to assets still held at reporting date Rs 0.0 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, 2018, 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 Significant other Significant (In millions) Derivative assets Rs. 50,836.3 Rs. 0.0 Rs. 50,836.3 Rs. 0.0 Derivative liabilities Rs. 56,124.7 Rs. 0.0 Rs. 56,124.7 Rs. 0.0 The following table summarizes derivative instruments measured at fair value on a recurring basis as of March 31, 2019, 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 Significant other Significant (In millions) Derivative assets Rs. 132,524.1 Rs. 0.0 Rs. 132,524.1 Rs. 0.0 Derivative liabilities Rs. 128,449.0 Rs. 0.0 Rs. 128,449.0 Rs. 0.0

Subsequent events

Subsequent events	12 Months Ended
	Mar. 31, 2019
Subsequent events	33. Subsequent events In the meeting of Board of Directors of the Bank held on April 20, 2019, the Board recommended a dividend of Rs. 15.0 per share, which has been subsequently approved by the shareholders for payment in their Annual General Meeting, held on July 12, 2019. The amount of such dividend aggregated to Rs. 40,992.2 million. By an ordinary resolution on July 12, 2019, the shareholders of the Bank approved a sub division (stock split) of equity shares to reduce the face value of each equity share from Rs. 2.0 to Rs. 1.0 per share. The Board of Directors in their meeting held on July 20, 2019 fixed the record date as September 20, 2019, the effective date. In the meeting of Board of Directors of the Bank held on July 20, 2019, the Board has declared a special interim dividend of Rs. 5.00 per share to commemorate 25 years of HDFC Bank’s operations and fixed the record date as August 2, 2019.

Summary of significant accoun_2

Summary of significant accounting policies (Policies)	12 Months Ended
	Mar. 31, 2019
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 and/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
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 taxes, stock-based compensation, 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 due from banks, Cash and due from banks comprise of cash and deposit with banks that have original maturities of 90 days or less. The Bank has captioned cash and cash equivalent as “cash and due from banks, and restricted cash” on the consolidated balance sheets. Cash and due from banks includes restricted cash (see note 3).
Customer acquisition costs	e. Customer acquisition costs Customer acquisition costs principally consist of commissions paid to third party referral agents who source 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 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 7 and on concentrations of credit risk in note 11. 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 net income. 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. All debt securities that are not classified as HTM or HFT are classified as available for sale debt securities (“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. Up to March 31, 2018, equity securities with readily determinable fair values that were not classified as HFT were classified as available for sale and were carried at fair value. Unrealized gains and losses on such securities, net of applicable taxes, were reported in accumulated other comprehensive income (loss), a separate component of shareholders’ equity. Dividend income on such securities was included in Interest and dividend revenue- available for sale debt securities. Non-marketable equity securities were carried at cost. The Bank adopted ASU 2016-01 2018-03 available-for-sale catch-up 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 debt securities Declines in the fair values of held to maturity and available for sale debt securities below their carrying value that are other than temporary are reflected in net income as other than temporary impairment losses, based on management’s best estimate of the fair value of the investment. The Bank conducts a review each year to identify other than temporary declines based on an evaluation of all significant factors. The Bank’s review of impairment generally entails identification and evaluation of investments that have indications of possible impairment, 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. Estimates of any declines in the fair values of credit substitute securities that are other than temporary are measured on a case-by-case
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. Loan origination fees and certain direct origination costs are generally deferred and recognized as adjustments to net income over the lives of the related loans. Interest is accrued on the unpaid principal balance and is included in interest income. Loans are generally placed on “non-accrual” non-accrual “non-accrual”
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 allowance and allowance for loans collectively evaluated for impairment (termed as “unallocated allowance”). 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 180 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 180 days past due for personal loans, credit card receivables, 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 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 may not be recovered. Subsequent recoveries, if any, against write-off 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. Collateral values are generally based on appraisals from internal and external valuation sources. 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 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 special purpose entities (SPEs) 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 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. 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. The scope conditions examined include whether the entities’ equity investment at risk is insufficient to finance the activities without subordinated financial support and whether the holders of equity lack the characteristics of a financial interest. A controlling financial interest includes characteristics such as ability to make decisions through voting or similar rights, unlimited obligation to absorb the entities expected losses, and unlimited rights to receive the entities expected residual returns. 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 expense and the net change in deferred tax assets or liabilities during the year. Deferred tax assets and liabilities are recognized for the future tax consequences of differences between the carrying values of assets and liabilities for financial reporting purposes and their respective tax bases, and for operating loss and tax credit carryforwards. Deferred tax assets are reduced by a valuation allowance to the amount that is more likely than not to be realized based on management’s judgment. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which the deferred tax assets or liabilities 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 more-likely-than-not 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 Fees and commissions from guarantees issued are amortized over the contractual period of the commitment. 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 under foreign exchange transactions. 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
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 binomial 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 under derivative gain/(loss) 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 offsets these risks 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 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 Intangible assets consist of branch network representing contractual and non-contractual Useful lives (years) Amortization method 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 i. In May 2014, the FASB issued ASU No. 2014-09 No. 2016-08, 2016-10, 2016-12, mark-to-market ii. In January 2016, the FASB issued ASU 2016-01 825-10)”. 2018-03, 825-10), ASU 2016-01. 2016-01 2018-03 available-for-sale catch-up after-tax iii. In March 2016, the FASB issued ASU 2016-04 “Liabilities—Extinguishments 405-20): de-recognition 2016-04 iv. In August 2016, the FASB issued ASU 2016-15 “Statement v. In October 2016, the FASB issued ASU 2016-16 “Income vi. In November 2016, the FASB issued ASU 2016-18 “Statement vii. In January 2017, the FASB issued ASU No. 2017-01 viii. In March 2017, the FASB issued ASU 2017-07 Non-interest Non-interest construction-in-progress, ix. In May 2017, the FASB issued ASU 2017-09 ASU 2017-09, 2016-09 x. In August 2017, the FASB issued ASU No. 2017-12 2017-12
Recently issued accounting pronouncements not yet effective	x. Recently issued accounting pronouncements not yet effective In February 2016, the FASB issued ASU 2016-02 “Leases right-of-use 2018-11 In June 2016, the FASB issued ASU 2016-13 Available-for-Sale 2018-19 Subtopic 326-20. In January 2017, the FASB issued ASU No. 2017-04 one-step In March 2017, the FASB issued ASU 2017-08 310-20)—Premium 2017-08 No. 2018-07 2018-07 In August 2018, the FASB issued ASU No. 2018-13 In August 2018, the FASB issued ASU No. 2018-15 Other—Internal-Use (Subtopic 350-40): internal-use
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 fiscal year ended March 31, 2019 have been translated into U.S. dollars at U.S.$1.00 = Rs. 69.16 as published by the Federal Reserve Board of New York on March 29, 2019. 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 accoun_3

Summary of significant accounting policies (Tables)	12 Months Ended
	Mar. 31, 2019
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 and Amortization Methods	Amortization of intangible assets is computed in a manner that best reflects the economic benefits of the intangible assets as follows: Useful lives (years) Amortization method 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, 2019
Credit Substitutes
Available for Sale Securities Amortized Cost and Fair Value	The fair values of credit substitutes by type of instrument as of March 31, 2018 and March 31, 2019 were as follows: As of March 31, 2018 2019 Amortized Cost Fair Value Amortized Cost Fair Value (In millions) Available for sale credit substitute debt securities: Debentures Rs. 290,893.5 Rs. 289,782.9 Rs. 247,869.1 Rs. 247,152.5 Commercial paper 34,265.8 34,248.6 25,681.6 25,734.3 Total Rs. 325,159.3 Rs. 324,031.5 Rs. 273,550.7 Rs. 272,886.8 US$ 3,955.3 US$ 3,945.8
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, 2018 and March 31, 2019 was as follows: As of March 31, 2018 Amortized Cost Gross Unrealized Gross Unrealized Fair Value (In millions) Government of India securities Rs. 25,962.2 Rs. 19.0 Rs. 8.0 Rs. 25,973.2 Other corporate/financial institution securities 49,982.3 62.8 0.4 50,044.7 Total debt securities Rs. 75,944.5 Rs. 81.8 Rs. 8.4 Rs. 76,017.9 Other securities (including mutual fund units) 91,488.6 7.4 0.0 91,496.0 Total Rs. 167,433.1 Rs. 89.2 Rs. 8.4 Rs. 167,513.9 As of March 31, 2019 Amortized Cost Gross Unrealized Gross Unrealized Fair Value (In millions) Government of India securities Rs. 134,084.9 Rs. 163.2 Rs. 0.1 Rs. 134,248.0 Other corporate/financial institution securities 33,990.6 15.8 1.1 34,005.3 Total debt securities Rs. 168,075.5 Rs. 179.0 Rs. 1.2 Rs. 168,253.3 Other securities (including mutual fund units) 96,935.6 327.2 0.0 97,262.8 Total Rs. 265,011.1 Rs. 506.2 Rs. 1.2 Rs. 265,516.1 Total US$ 3,831.9 US$ 7.3 US$ 0.0 US$ 3,839.2
Available-for-Sale Debt Securities
Available for Sale Securities Amortized Cost and Fair Value	The portfolio of available for sale debt securities as of March 31, 2018 and March 31, 2019 was as follows: As of March 31, 2018 Amortized Cost Gross Unrealized Gross Unrealized Fair Value (In millions) Government of India securities Rs. 1,748,761.0 Rs. 9,169.5 Rs. 16,843.9 Rs. 1,741,086.6 State government securities 123,426.9 2,349.7 729.0 125,047.6 Government securities outside India 4,223.8 0.0 6.8 4,217.0 Credit substitutes (see note 7) 325,159.3 495.3 1,623.1 324,031.5 Other corporate/financial institution bonds 8,226.0 0.1 59.0 8,167.1 Debt securities, other than asset and mortgage-backed securities 2,209,797.0 12,014.6 19,261.8 2,202,549.8 Mortgage-backed securities 82.2 2.8 0.1 84.9 Asset-backed securities 18,966.5 62.9 358.7 18,670.7 Other securities (including mutual fund units) (1) 137.6 0.3 0.0 137.9 Total Rs. 2,228,983.3 Rs. 12,080.6 Rs. 19,620.6 Rs. 2,221,443.3 Securities with gross unrealized losses Rs. 1,174,742.9 Securities with gross unrealized gains 1,046,700.4 Rs. 2,221,443.3 As of March 31, 2019 Amortized Cost Gross Unrealized Gross Unrealized Fair Value (In millions) Government of India securities Rs. 2,147,934.6 Rs. 21,881.4 Rs. 9,834.9 Rs. 2,159,981.1 State government securities 144,633.7 4,864.6 475.7 149,022.6 Government securities outside India 7,201.6 3.3 0.0 7,204.9 Credit substitutes (see note 7) 273,550.7 899.9 1,563.8 272,886.8 Other corporate/financial institution bonds 3,925.0 30.9 6.3 3,949.6 Debt securities, other than asset and mortgage-backed securities 2,577,245.6 27,680.1 11,880.7 2,593,045.0 Mortgage-backed securities 56.3 1.0 0.4 56.9 Asset-backed securities 38,827.1 165.0 122.2 38,869.9 Other securities (including mutual fund units) (1) 1,376.3 0.3 0.0 1,376.6 Total Rs. 2,617,505.3 Rs. 27,846.4 Rs. 12,003.3 Rs. 2,633,348.4 Total US$ 37,847.2 US$ 402.6 US$ 173.6 US$ 38,076.2 Securities with gross unrealized losses Rs. 799,718.5 Securities with gross unrealized gains 1,833,629.9 Rs. 2,633,348.4 US$ 38,076.2 (1) The Bank adopted ASU 2016-01 2018-03 1, 2018, resulting in a cumulative effect adjustment from AOCI to retained earnings for net unrealized gains on marketable equity securities AFS. The available-for million effective April 1, 2018. See note 2 (w)(ii) and note 14 to the Consolidated Financial Statements for additional details.
Unrealized loss position investments	The gross unrealized losses and fair value of available for sale debt securities at March 31, 2018 was as follows: As of March 31, 2018 Less Than 12 Months 12 Months or Greater Total Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized (In millions) Government of India securities Rs.540,941.5 Rs.8,852.9 Rs.342,621.5 Rs.7,991.0 Rs.883,563.0 Rs.16,843.9 State government securities 31,940.1 729.0 0.0 0.0 31,940.1 729.0 Government securities outside India 4,217.0 6.8 0.0 0.0 4,217.0 6.8 Credit substitutes (see note 7) 159,026.1 1,002.8 73,734.9 620.3 232,761.0 1,623.1 Other corporate/financial institution bonds 4,057.2 51.8 4,109.6 7.2 8,166.8 59.0 Debt securities, other than asset and mortgage-backed securities 740,181.9 10,643.3 420,466.0 8,618.5 1,160,647.9 19,261.8 Mortgage-backed securities 57.0 0.1 0.0 0.0 57.0 0.1 Asset-backed securities 8,331.9 213.1 5,706.1 145.6 14,038.0 358.7 Other securities (including mutual fund units) 0.0 0.0 0.0 0.0 0.0 0.0 Total Rs.748,570.8 Rs.10,856.5 Rs.426,172.1 Rs.8,764.1 Rs.1,174,742.9 Rs.19,620.6 The gross unrealized losses and fair value of available for sale debt securities at March 31, 2019 was as follows: As of March 31, 2019 Less Than 12 Months 12 Months or Greater Total Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized (In millions) Government of India securities Rs. 0.0 Rs. 0.0 Rs. 568,759.0 Rs. 9,834.9 Rs. 568,759.0 Rs. 9,834.9 State government securities 0.0 0.0 27,415.5 475.7 27,415.5 475.7 Government securities outside India 0.0 0.0 0.0 0.0 0.0 0.0 Credit substitutes (see note 7) 17,996.3 88.1 165,700.5 1,475.7 183,696.8 1,563.8 Other corporate/financial institution bonds 0.0 0.0 2,117.6 6.3 2,117.6 6.3 Debt securities, other than asset and mortgage-backed securities 17,996.3 88.1 763,992.6 11,792.6 781,988.9 11,880.7 Mortgage-backed securities 0.0 0.0 45.7 0.4 45.7 0.4 Assetbacked securities 14,191.2 48.9 3,492.7 73.3 17,683.9 122.2 Other securities (including mutual fund units) 0.0 0.0 0.0 0.0 0.0 0.0 Total Rs. 32,187.5 Rs. 137.0 Rs. 767,531.0 Rs. 11,866.3 Rs. 799,718.5 Rs. 12,003.3 Total US$ 465.4 US$ 2.0 US$ 11,097.9 US$ 171.6 US$ 11,563.3 US$ 173.6
Debt securities, other than asset and mortgage-backed securities | Available-for-Sale Debt 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, 2019 is set out below: As of March 31, 2019 Amortized Cost Fair Value Fair Value (In millions) Within one year Rs. 767,752.7 Rs. 769,080.4 US$ 11,120.3 Over one year through five years 547,095.3 554,493.3 8,017.5 Over five years through ten years 862,305.7 868,843.0 12,562.8 Over ten years 400,091.9 400,628.3 5,792.8 Total Rs. 2,577,245.6 Rs. 2,593,045.0 US$ 37,493.4
Asset and Mortgage Backed Securities | Available-for-Sale Debt Securities
Investments Classified by Contractual Maturity Date	The contractual residual maturity of available for sale mortgage-backed and asset-backed debt securities as of March 31, 2019 is set out below: As of March 31, 2019 Amortized Cost Fair Value Fair Value (In millions) Within one year Rs. 19,027.9 Rs. 19,015.0 US$ 274.9 Over one year through five years 19,812.5 19,836.4 286.8 Over five years through ten years 13.2 13.0 0.2 Over ten years 29.8 62.4 0.9 Total Rs. 38,883.4 Rs. 38,926.8 US$ 562.8
Realized Investment Gains Losses Net	Gross realized gains and gross realized losses from sale of available for sale debt securities and dividends and interest on such securities are set out below: Fiscal year ended March 31, 2017 2018 2019 2019 (In millions) Gross realized gains on sale Rs. 10,108.2 Rs. 11,433.8 Rs. 3,788.1 US$ 54.8 Gross realized losses on sale (502.0 ) (580.6 ) (1,192.1 ) (17.3 ) Realized gains (losses), net 9,606.2 10,853.2 2,596.0 37.5 Dividends and interest 154,618.6 158,209.2 190,992.5 2,761.6 Total Rs. 164,224.8 Rs. 169,062.4 Rs. 193,588.5 US$ 2,799.1

Credit substitutes (Tables)

Credit substitutes (Tables)	12 Months Ended
	Mar. 31, 2019
Credit substitutes by bank's internal credit quality indicators	The fair values of credit substitutes by the Bank’s internal credit quality indicators and amounts provided for other than temporary impairments is as follows: As of March 31, 2018 2019 2019 (In millions) Pass Rs. 324,031.5 Rs. 272,886.8 US$ 3,945.8 Impaired—gross balance 0.0 0.0 0.0 Less: amounts provided for other than temporary impairments 0.0 0.0 0.0 Impaired credit substitutes, net 0.0 0.0 0.0 Total credit substitutes, net Rs. 324,031.5 Rs. 272,886.8 US$ 3,945.8
Impaired credit substitutes	Impaired credit substitutes: As of March 31, 2018 2019 2019 (In millions) Gross impaired credit substitutes Rs 0.0 Rs 0.0 US$ 0.0 Gross impaired credit substitutes by industry Rs. 0.0 Rs. 0.0 US$ 0.0 Average impaired credit substitutes Rs. 0.0 Rs. 0.0 US$ 0.0 Interest income recognized on impaired credit substitutes Rs. 0.0 Rs. 0.0 US$ 0.0

Loans (Tables)

Loans (Tables)	12 Months Ended
	Mar. 31, 2019
Loans by Facility	Loans by facility as of March 31, 2018 and March 31, 2019 were as follows: As of March 31, 2018 2019 2019 (In millions) Retail loans: Auto loans Rs. 885,234.7 Rs. 951,744.2 US$ 13,761.5 Personal loans/Credit cards 1,187,127.1 1,538,107.4 22,239.8 Retail business banking 1,305,219.8 1,478,317.8 21,375.3 Commercial vehicle and construction equipment finance 595,813.6 746,288.0 10,790.7 Housing loans 362,718.1 513,771.6 7,428.7 Other retail loans 877,251.3 1,009,674.6 14,599.1 Subtotal Rs. 5,213,364.6 Rs. 6,237,903.6 US$ 90,195.1 Wholesale loans Rs. 2,162,814.4 Rs. 2,873,561.0 US$ 41,549.6 Gross loans 7,376,179.0 9,111,464.6 131,744.7 Less: Allowance for credit losses 112,507.2 148,232.0 2,143.4 Total Rs. 7,263,671.8 Rs. 8,963,232.6 US$ 129,601.3
Financing Receivable, by Maturity	The maturity of gross loans as of March 31, 2019 is set out below: As of March 31, 2019 Wholesale loans Retail loans Total (In millions) Maturity profile of loans: Within one year Rs. 1,537,701.3 Rs. 1,911,646.9 Rs. 3,449,348.2 Over one year through five years 899,447.4 3,912,771.8 4,812,219.2 Over five years 436,412.3 413,484.9 849,897.2 Total gross loans Rs. 2,873,561.0 Rs. 6,237,903.6 Rs. 9,111,464.6 Total gross loans US$ 41,549.6 US$ 90,195.1 US$ 131,744.7
Financing Receivable Credit Quality Indicators	Gross loans analyzed by performance are as follows: As of March 31, 2018 2019 2019 (In millions) Performing Rs. 7,267,461.7 Rs. 8,971,042.1 US$ 129,714.3 Impaired 108,717.3 140,422.5 2,030.4 Total gross loans Rs. 7,376,179.0 Rs. 9,111,464.6 US$ 131,744.7
Past Due Financing Receivables	The following table provides details of age analysis of loans as of March 31, 2018 and March 31, 2019. As of March 31, 2018 31-90 Impaired / Current 1,2 Total (In millions) Retail Loans Auto loans Rs. 4,384.5 Rs. 8,634.5 Rs. 872,215.7 Rs. 885,234.7 Personal loans/Credit card 8,179.1 10,150.9 1,168,797.1 1,187,127.1 Retail business banking 10,522.0 25,547.2 1,269,150.6 1,305,219.8 Commercial vehicle and construction equipment finance 7,324.9 6,968.1 581,520.6 595,813.6 Housing loans 25.9 1,899.5 360,792.7 362,718.1 Other retail 8,716.0 22,704.3 845,831.0 877,251.3 Wholesale loans 308.6 32,812.8 2,129,693.0 2,162,814.4 Total Rs. 39,461.0 Rs. 108,717.3 Rs. 7,228,000.7 Rs. 7,376,179.0 1) Loans up to 30 days past due are considered current 2) Includes crop related agricultural loans with days past due less than 366 as they are not considered as impaired Rs. 31.5 billion. As of March 31, 2019 31-90 Impaired / Current 1,2 Total (In millions) Retail Loans Auto loans Rs. 4,807.0 Rs. 13,606.7 Rs. 933,330.5 Rs. 951,744.2 Personal loans/Credit card 11,520.2 15,781.5 1,510,805.7 1,538,107.4 Retail business banking 9,087.9 29,945.0 1,439,284.9 1,478,317.8 Commercial vehicle and construction equipment finance 9,225.0 11,254.9 725,808.1 746,288.0 Housing loans 23.6 2,157.1 511,590.9 513,771.6 Other retail 9,480.1 29,523.6 970,670.9 1,009,674.6 Wholesale loans 202.9 38,153.7 2,835,204.4 2,873,561.0 Total Rs. 44,346.7 Rs. 140,422.5 Rs. 8,926,695.4 Rs. 9,111,464.6 Total US$ 641.2 US$ 2,030.4 US$ 129,073.1 US$ 131,744.7 1) Loans up to 30 days past due are considered current 2) Includes crop related agricultural loans with days past due less than 366 as they are not considered as impaired Rs. 34.0 billion.
Impaired Financing Receivables	The following table provides details of impaired loans as of March 31, 2018 and March 31, 2019. As of March 31, 2018 Recorded Unpaid Related Average recorded Finance receivable on non-accrual status (In millions) Retail Loans Auto loans Rs. 8,634.5 Rs. 8,634.5 Rs. 3,682.2 Rs. 7,370.1 Rs. 8,634.5 Personal loans/Credit card 10,150.9 10,150.9 6,182.6 8,309.2 10,150.9 Retail business banking 25,547.2 25,547.2 18,709.4 23,303.7 25,547.2 Commercial vehicle and construction equipment finance 6,968.1 6,968.1 4,806.1 6,527.4 6,968.1 Housing loans 1,899.5 1,899.5 974.4 1,788.9 1,899.5 Other retail 22,704.3 22,704.3 12,922.8 17,005.2 22,704.3 Wholesale loans 32,812.8 32,812.8 15,323.0 31,544.3 32,812.8 Total Rs. 108,717.3 Rs. 108,717.3 Rs. 62,600.5 Rs. 95,848.8 Rs. 108,717.3 As of March 31, 2019 Recorded Unpaid Related Average recorded Finance receivable on non-accrual status (In millions) Retail Loans Auto loans Rs. 13,606.7 Rs. 13,606.7 Rs. 6,169.0 Rs. 11,120.6 Rs. 13,606.7 Personal loans/Credit card 15,781.5 15,781.5 9,694.0 12,966.2 15,781.5 Retail business banking 29,945.0 29,945.0 21,595.3 27,746.1 29,945.0 Commercial vehicle and construction equipment finance 11,254.9 11,254.9 6,544.8 9,111.5 11,254.9 Housing loans 2,157.1 2,157.1 1,105.2 2,028.3 2,157.1 Other retail 29,523.6 29,523.6 20,441.5 26,114.0 29,523.6 Wholesale loans 38,153.7 38,153.7 20,233.2 35,483.3 38,153.7 Total Rs. 140,422.5 Rs. 140,422.5 Rs. 85,783.0 Rs. 124,570.0 Rs. 140,422.5 Total US$ 2,030.4 US$ 2,030.4 US$ 1,240.4 US$ 1,801.2 US$ 2,030.4
Allowance for Credit Losses on Financing Receivables	Allowances for credit losses as of March 31, 2017 are as follows: As of March 31, 2017 Specific Unallocated Retail Auto loans Personal Retail Commercial Housing Other Wholesale Retail Wholesale Total (In millions) Allowance for credit losses, beginning of the period Rs. 2,101.1 Rs. 2,638.6 Rs. 10,617.5 Rs. 3,876.7 Rs. 410.4 Rs. 3,950.4 Rs. 7,413.4 Rs. 22,548.6 Rs. 3,803.4 Rs. 57,360.1 Write-offs (5,155.0 ) (11,639.3 ) (1,453.4 ) (3,227.4 ) (32.9 ) (2,793.5 ) (2,261.7 ) 0.0 0.0 (26,563.2 ) Net allowance for credit losses* 5,846.8 13,040.7 6,114.3 3,749.2 361.8 5,610.6 6,561.8 5,562.0 852.8 47,700.0 Allowance for credit losses, end of the period Rs. 2,792.9 Rs. 4,040.0 Rs. 15,278.4 Rs. 4,398.5 Rs. 739.3 Rs. 6,767.5 Rs. 11,713.5 Rs. 28,110.6 Rs. 4,656.2 Rs. 78,496.9 Allowance for credit losses: Allowance individually evaluated for impairment Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 11,713.5 Rs. 0.0 Rs. 0.0 Rs. 11,713.5 Allowance collectively evaluated for impairment 2,792.9 4,040.0 15,278.4 4,398.5 739.3 6,767.5 0.0 28,110.6 4,656.2 66,783.4 Loans: Loans individually evaluated for impairment 0.0 0.0 0.0 0.0 0.0 0.0 30,275.7 0.0 0.0 30,275.7 Loans collectively evaluated for impairment 6,105.6 6,467.4 21,060.1 6,086.6 1,678.2 11,306.1 0.0 3,996,257.3 1,909,672.7 5,958,634.0 * Net allowances for credit losses charged to expense does not include the recoveries against write-off Allowance for credit losses as of March 31, 2018 are as follows: As of March 31, 2018 Specific Unallocated Retail Auto loans Personal Retail Commercial Housing Other Wholesale Retail Wholesale Total (In millions) Allowance for credit losses, beginning of the period Rs. 2,792.9 Rs. 4,040.0 Rs. 15,278.4 Rs. 4,398.5 Rs. 739.3 Rs. 6,767.5 Rs. 11,713.5 Rs. 28,110.6 Rs. 4,656.2 Rs. 78,496.9 Write-offs (6,826.4 ) (16,714.3 ) (5,730.0 ) (3,644.0 ) (61.5 ) (4,557.4 ) (444.7 ) 0.0 0.0 (37,978.3 ) Net allowance for credit losses* 7,715.7 18,856.9 9,161.0 4,051.6 296.6 10,712.7 4,054.2 14,036.8 3,103.1 71,988.6 Allowance for credit losses, end of the period Rs. 3,682.2 Rs. 6,182.6 Rs. 18,709.4 Rs. 4,806.1 Rs. 974.4 Rs. 12,922.8 Rs. 15,323.0 Rs. 42,147.4 Rs. 7,759.3 Rs. 112,507.2 Allowance for credit losses: Allowance individually evaluated for impairment Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 15,323.0 Rs. 0.0 Rs. 0.0 Rs. 15,323.0 Allowance collectively evaluated for impairment 3,682.2 6,182.6 18,709.4 4,806.1 974.4 12,922.8 0.0 42,147.4 7,759.3 97,184.2 Loans: Loans individually evaluated for impairment 0.0 0.0 0.0 0.0 0.0 0.0 32,812.8 0.0 0.0 32,812.8 Loans collectively evaluated for impairment 8,634.5 10,150.9 25,547.2 6,968.1 1,899.5 22,704.3 0.0 5,137,460.1 2,130,001.6 7,343,366.2 * Net allowances for credit losses charged to expense does not include the recoveries against write-off Allowances for credit losses as of March 31, 2019 are as follows: As of March 31, 2019 Specific Unallocated Retail Auto loans Personal Retail Commercial Housing Other Wholesale Retail Wholesale Total Total (In millions) Allowance for credit losses, beginning of the period Rs. 3,682.2 Rs. 6,182.6 Rs. 18,709.4 Rs. 4,806.1 Rs. 974.4 Rs. 12,922.8 Rs. 15,323.0 Rs. 42,147.4 Rs. 7,759.3 Rs. 112,507.2 US$ 1,626.8 Write-offs (9,155.3 ) (25,197.0 ) (6,665.5 ) (4,812.8 ) (93.3 ) (5,652.0 ) (1,755.7 ) 0.0 0.0 (53,331.6 ) (771.1 ) Net allowance for credit losses* 11,642.1 28,708.4 9,551.4 6,551.5 224.1 13,170.7 6,665.9 10,793.7 1,748.6 89,056.4 1,287.7 Allowance for credit losses, end of the period Rs. 6,169.0 Rs. 9,694.0 Rs. 21,595.3 Rs. 6,544.8 Rs. 1,105.2 Rs. 20,441.5 Rs. 20,233.2 Rs. 52,941.1 Rs. 9,507.9 Rs. 148,232.0 US$ 2,143.4 Allowance for credit losses: Allowance individually evaluated for impairment Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 20,233.2 Rs. 0.0 Rs. 0.0 Rs. 20,233.2 US$ 292.6 Allowance collectively evaluated for impairment 6,169.0 9,694.0 21,595.3 6,544.8 1,105.2 20,441.5 0.0 52,941.1 9,507.9 127,998.8 1,850.8 Loans: Loans individually evaluated for impairment 0.0 0.0 0.0 0.0 0.0 0.0 38,153.7 0.0 0.0 38,153.7 551.7 Loans collectively evaluated for impairment 13,606.7 15,781.5 29,945.0 11,254.9 2,157.1 29,523.6 0.0 6,135,634.8 2,835,407.3 9,073,310.9 131,193.0 * Net allowances for credit losses charged to expense does not include the recoveries against write-off
Troubled Debt Restructurings Modifications	The following table summarizes the Bank’s TDR modifications during the fiscal year ended March 31, 2018 and March 31, 2019 presented by primary modification type and includes the financial effects of these modifications. Fiscal year ended March 31, 2018 Carrying TDRs involving (1) TDRs involving (2) TDRs involving Balance of Net P&L (3) (In millions) Retail Loans: Retail business banking Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 0.0 Commercial vehicle and construction equipment finance 0.0 0.0 0.0 0.0 0.0 0.0 Wholesale loans 0.0 0.0 0.0 0.0 0.0 0.0 Total (4) Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 0.0 Rs. 0.0 (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, 2018 comprised of nil case. Fiscal year ended March 31, 2019 Carrying TDRs involving (1) TDRs involving (2) TDRs involving Balance of Net P&L (3) (In millions) Retail Loans: Retail business banking Rs. 17.9 Rs. 0.0 Rs. 17.9 Rs. 0.0 Rs. 0.0 Rs. 4.5 Commercial vehicle and construction equipment finance 0.0 0.0 0.0 0.0 0.0 0.0 Wholesale loans 0.0 0.0 0.0 0.0 0.0 0.0 Total (4) Rs. 17.9 Rs. 0.0 Rs. 17.9 Rs. 0.0 Rs. 0.0 Rs. 4.5 Total (4) US$ 0.3 US$ 0.0 US$ 0.3 US$ 0.0 US$ 0.0 US$ 0.1 (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, 2019 comprised of one case. 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, 2019 recorded investments (In millions) Retail loans: Retail business banking Rs. 0.0 Commercial vehicle and construction equipment finance 0.0 Wholesale loans 0.0 Total Rs. 0.0 Total US$ 0.0 Interest on loans by facility are as follows: Fiscal year ended March 31, 2017 2018 2019 2019 (In millions) Wholesale loans Rs. 134,543.1 Rs. 152,124.6 Rs. 199,928.0 US$ 2,890.8 Retail loans 418,143.7 515,334.1 627,755.0 9,076.9 Total Rs. 552,686.8 Rs. 667,458.7 Rs. 827,683.0 US$ 11,967.7
Retail Loans
Financing Receivable Credit Quality Indicators	Retail Loans Credit quality indicator based on payment activity as of March 31, 2018 and as of March 31, 2019 is given below: As of March 31, 2018 Auto loans Personal loans/ Retail business Commercial Housing loans Other retail Total (In millions) Performing Rs. 876,600.2 Rs. 1,176,976.2 Rs. 1,279,672.6 Rs. 588,845.5 Rs. 360,818.6 Rs. 854,547.0 Rs. 5,137,460.1 Impaired 8,634.5 10,150.9 25,547.2 6,968.1 1,899.5 22,704.3 75,904.5 Total Rs. 885,234.7 Rs. 1,187,127.1 Rs. 1,305,219.8 Rs. 595,813.6 Rs. 362,718.1 Rs. 877,251.3 Rs. 5,213,364.6 As of March 31, 2019 Auto loans Personal loans/ Retail business Commercial Housing loans Other retail Total (In millions) Performing Rs. 938,137.5 Rs. 1,522,325.9 Rs. 1,448,372.8 Rs. 735,033.1 Rs. 511,614.5 Rs. 980,151.0 Rs. 6,135,634.8 Impaired 13,606.7 15,781.5 29,945.0 11,254.9 2,157.1 29,523.6 102,268.8 Total Rs. 951,744.2 Rs. 1,538,107.4 Rs. 1,478,317.8 Rs. 746,288.0 Rs. 513,771.6 Rs. 1,009,674.6 Rs. 6,237,903.6 Total US$ 13,761.5 US$ 22,239.8 US$ 21,375.3 US$ 10,790.7 US$ 7,428.7 US$ 14,599.1 US$ 90,195.1
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 and considered to be performing. 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, 2018 2019 2019 (In millions) Credit quality indicators-Internally assigned grade and payment activity Pass Rs. 2,116,499.3 Rs. 2,834,466.7 US$ 40,984.2 Labeled 13,502.3 940.6 13.7 Impaired 32,812.8 38,153.7 551.7 Total Rs. 2,162,814.4 Rs. 2,873,561.0 US$ 41,549.6
Receivable By Industry
Impaired Financing Receivables	Impaired loans by industry as of March 31, 2018 and March 31, 2019 are as follows: As of March 31, 2018 (In millions) Gross impaired loans by industry: —Wholesale Trade- Non Industrial Rs. 15,239.0 —Consumer Loans 15,236.4 —Agriculture Production—Food 12,227.0 —Food and Beverage 7,007.4 —Retail Trade 6,279.0 —Agri-Allied 6,184.0 —Others (none greater than 5% of impaired loans) 46,544.5 Total Rs. 108,717.3 As of March 31, 2019 (In millions) Gross impaired loans by industry: — Consumer Loans Rs. 22,513.7 US$ 325.5 — Agriculture Production—Food 18,915.0 273.5 —Wholesale Trade- Non Industrial 15,856.7 229.3 —Food and Beverage 8,577.3 124.0 —Retail Trade 7,767.0 112.3 —Others (none greater than 5% of impaired loans) 66,792.8 965.8 Total Rs. 140,422.5 US$ 2,030.4 Summary information relating to impaired loans during the fiscal year ended March 31, 2017, March 31, 2018 and March 31, 2019 is as follows: Fiscal year ended March 31, 2017 2018 2019 2019 (In millions) Average impaired loans, net of allowance Rs. 29,612.1 Rs. 41,683.2 Rs. 50,378.2 US$ 728.4 Interest income recognized on impaired loans Rs. 3,472.7 Rs. 7,433.7 Rs. 6,994.7 US$ 101.1

Sales_transfer of receivables (

Sales/transfer of receivables (Tables)	12 Months Ended
	Mar. 31, 2019
Cash Flows Received From Customers And Paid To Securitization Special Purpose Entities Transferees	The following table summarizes the cash flows received during the years ended March 31, 2017, March 31, 2018 and March 31, 2019 from customers and paid to SPEs/transferees on securitized/ transferred performing loans: Fiscal year ended March 31, 2017 2018 2019 2019 (In millions) Cash flow information Collections against securitized receivables/transfers Rs. 471.1 Rs. 303.9 Rs. 233.5 US$ 3.4 Payments made 444.7 301.8 237.7 3.4 Cash flows on retained interests Rs. 26.6 Rs. 3.8 Rs. 2.1 US$ 0.0
Key Disclosures of Transferred Financial Assets with Continuing Involvement	Other key disclosures are as follows: As of March 31, 2018 2019 2019 (In millions) Transferred receivables with continuing involvement Rs. 575.4 Rs. 398.4 US$ 5.8 Delinquencies 230.7 253.8 3.7 Credit losses 212.3 242.0 3.5 Retained interest in sold receivables 22.8 15.9 0.2
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, 2018 and March 31, 2019 to immediate 10% and 20% changes in those assumptions: As of March 31, 2018 2019 2019 (In millions) Fair value of retained interests Annual prepayment rate: Impact of 10% adverse change Rs. 2.4 Rs. 1.7 US$ 0.0 Impact of 20% adverse change 4.6 3.3 0.0 Expected credit losses: Impact of 10% adverse change 3.1 2.3 0.0 Impact of 20% adverse change 6.2 4.5 0.1

Concentrations of credit risk (

Concentrations of credit risk (Tables)	12 Months Ended
	Mar. 31, 2019
Schedules of Concentration of Risk, by Risk Factor	The Bank’s portfolio of loans, credit substitute securities and non-funded As of March 31, 2018 Category Gross loans Fair Values Of Non-funded Total % (In millions, except percentages) Consumer Loans Rs. 1,948,328.2 Rs. — Rs. 665.4 Rs. 1,948,993.6 22.7 Retail trade 385,217.8 1,181.4 13,091.9 399,491.1 4.6 NBFC/Financial Intermediaries 231,249.9 110,494.4 6,888.5 348,632.8 4.1 Automobile & Auto Ancillary 299,680.3 13,105.7 30,876.7 343,662.7 4.0 Consumer Services 308,333.2 3,461.5 14,077.5 325,872.2 3.8 Agriculture Production — Food 318,643.5 497.9 614.9 319,756.3 3.7 Road Transportation 310,740.7 0.0 5,247.2 315,987.9 3.7 Real Estate & Property Services 233,700.5 1,982.5 27,280.7 262,963.7 3.1 Engineering 133,216.6 2,470.7 99,933.4 235,620.7 2.7 Power 159,239.8 34,738.6 36,017.7 229,996.1 2.7 Food & Beverage 210,780.7 586.8 14,210.0 225,577.5 2.6 Business Services 207,868.8 946.6 7,738.7 216,554.1 2.5 Agriculture Production — Non Food 199,451.2 0.0 9.0 199,460.2 2.3 Wholesale Trade — Non Industrial 180,841.8 2,239.4 11,945.7 195,026.9 2.3 Wholesale Trade — Industrial 167,253.4 103.9 27,470.1 194,827.4 2.3 Textiles & Garments 159,873.4 4,602.7 20,496.0 184,972.1 2.2 Infrastructure Development 109,841.9 9,762.5 55,773.0 175,377.4 2.0 Telecom 125,842.1 21,629.8 27,802.9 175,274.8 2.0 Iron & Steel 135,431.1 2,583.1 36,184.6 174,198.8 2.0 Housing Finance Companies 110,961.6 60,818.6 585.2 172,365.4 2.0 Others (none greater than 2%) 1,439,682.5 52,825.4 460,885.5 1,953,393.4 22.7 Total Rs. 7,376,179.0 Rs. 324,031.5 Rs. 897,794.6 Rs. 8,598,005.1 100.0 As of March 31, 2019 Category Gross loans Fair Values Of Non-funded Total Total % (In millions, except percentages) Consumer Loans Rs. 2,477,945.6 Rs. 0.0 Rs. 1,552.1 Rs. 2,479,497.7 US$ 35,851.6 23.5 Retail trade 445,757.8 1,170.7 15,051.6 461,980.1 6,679.9 4.4 NBFC/Financial Intermediaries 311,477.1 98,274.0 13,203.1 422,954.2 6,115.6 4.0 Automobile & Auto Ancillary 352,979.1 10,413.9 32,546.7 395,939.7 5,725.0 3.8 Road Transportation 376,547.1 0.0 9,808.2 386,355.3 5,586.4 3.7 Consumer Services 354,060.4 3,957.3 13,757.6 371,775.3 5,375.6 3.5 Agriculture Production — Food 330,092.5 0.0 728.8 330,821.3 4,783.4 3.1 Power 251,169.4 37,188.7 39,998.4 328,356.5 4,747.8 3.1 Telecom 246,272.4 21,288.6 26,245.9 293,806.9 4,248.2 2.8 Real Estate & Property Services 257,056.8 1,978.8 33,482.7 292,518.3 4,229.6 2.8 Engineering 159,462.7 1,557.3 120,816.0 281,836.0 4,075.1 2.7 Food & Beverage 233,798.9 0.0 15,325.7 249,124.6 3,602.1 2.4 Business Services 236,853.7 249.2 11,318.3 248,421.2 3,592.0 2.4 Iron & Steel 195,488.6 5,514.4 44,149.5 245,152.5 3,544.7 2.3 Coal & Petroleum Products 92,504.7 705.0 150,857.5 244,067.2 3,529.0 2.3 Wholesale Trade — Industrial 192,708.4 67.8 29,835.7 222,611.9 3,218.8 2.1 Textiles & Garments 187,527.5 4,436.1 26,803.8 218,767.4 3,163.2 2.1 Infrastructure Development 128,273.5 9,035.5 79,596.8 216,905.8 3,136.3 2.1 Wholesale Trade — Non Industrial 200,089.4 248.3 12,218.2 212,555.9 3,073.4 2.0 Others (none greater than 2%) 2,081,399.0 76,801.2 470,669.6 2,628,869.8 38,011.4 24.9 Total Rs. 9,111,464.6 Rs. 272,886.8 Rs. 1,147,966.2 Rs. 10,532,317.6 US$ 152,289.1 100.0
Exposure to ten largest borrowers
Fair Value, Concentration of Risk	The Bank’s ten largest exposures as of March 31, 2018 and March 31, 2019, based on the higher of the outstanding balance or the limit on loans, investments (including credit substitutes) and non-funded As of March 31, 2018 Funded Non-Funded Total (In millions) Borrower 1 Rs. 11,615.0 Rs. 79,373.2 Rs. 90,988.2 Borrower 2 80,006.2 87.1 80,093.3 Borrower 3 27,567.3 48,406.0 75,973.3 Borrower 4 59,631.9 13,790.6 73,422.5 Borrower 5 70,012.7 0.0 70,012.7 Borrower 6 34,673.6 22,396.4 57,070.0 Borrower 7 13,054.6 43,324.0 56,378.6 Borrower 8 6,001.5 48,749.4 54,750.9 Borrower 9 44,367.1 3,300.0 47,667.1 Borrower 10 45,000.0 0.0 45,000.0 As of March 31, 2019 Funded Non-Funded Total Total (In millions) Borrower 1 Rs. 146,141.2 Rs. 6,457.1 Rs. 152,598.3 US$ 2,206.5 Borrower 2 27,488.9 115,089.5 142,578.4 2,061.6 Borrower 3 120,004.3 312.8 120,317.1 1,739.7 Borrower 4 92,271.4 1,200.0 93,471.4 1,351.5 Borrower 5 80,008.5 32.6 80,041.1 1,157.3 Borrower 6 57,604.0 14,843.9 72,447.9 1,047.5 Borrower 7 32,948.9 34,806.0 67,754.9 979.7 Borrower 8 51,283.8 15,163.0 66,446.8 960.8 Borrower 9 43,602.4 22,513.2 66,115.6 956.0 Borrower 10 30,559.1 26,347.9 56,907.0 822.8

Property and equipment (Tables)

Property and equipment (Tables)	12 Months Ended
	Mar. 31, 2019
Property, Plant and Equipment	Property and equipment by asset category is as follows: As of March 31, 2018 2019 2019 (In millions) Land and premises Rs. 17,992.1 Rs. 18,836.5 US$ 272.4 Software and systems 24,554.4 29,855.2 431.7 Equipment and furniture 64,927.1 73,601.8 1,064.2 Property and equipment, at cost 107,473.6 122,293.5 1,768.3 Less: Accumulated depreciation 68,505.5 79,105.7 1,143.8 Property and equipment, net Rs. 38,968.1 Rs. 43,187.8 US$ 624.5

Goodwill and other intangible_2

Goodwill and other intangible assets (Tables)	12 Months Ended
	Mar. 31, 2019
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, 2018 and March 31, 2019: As of March 31, 2018 As of March 31, 2019 Gross Accumulated Net Gross Accumulated Net Net (In millions) Branch network Rs. 8,335.0 Rs. 8,335.0 Rs. 0.0 Rs. 8,335.0 Rs. 8,335.0 Rs. 0.0 US$ 0.0 Customer list 2,710.0 2,710.0 0.0 2,710.0 2,710.0 0.0 0.0 Core deposit 4,414.0 4,414.0 0.0 4,414.0 4,414.0 0.0 0.0 Favorable leases 543.0 542.0 1.0 543.0 543.0 0.0 0.0 Total Rs. 16,002.0 Rs. 16,001.0 Rs. 1.0 Rs. 16,002.0 Rs. 16,002.0 Rs. 0.0 US$ 0.0

Other assets (Tables)

Other assets (Tables)	12 Months Ended
	Mar. 31, 2019
Other Assets Disclosure	Other assets include the following: As of March 31, 2018 2019 2019 (In millions) Security deposits for leased property Rs. 5,004.1 Rs. 5,112.9 US$ 73.9 Sundry accounts receivable 23,216.1 49,465.6 715.2 Advance income tax (net of current tax expense) 17,988.3 18,785.7 271.6 Advances 5,510.2 4,213.1 60.9 Prepaid expenses 897.0 1,356.7 19.6 Deposits/Margins paid 5,815.1 8,319.8 120.3 Derivatives (refer to note 24) 50,836.3 132,524.1 1,916.2 Term placements 139,875.9 115,428.4 1,669.0 Others* 49,565.5 60,526.7 875.4 Total Rs. 298,708.5 Rs. 395,733.0 US$ 5,722.1 * Effective April 1, 2018, the Bank adopted ASU 2016-01(See non-marketable non-interest .

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Mar. 31, 2019
Deposit Liabilities Table Disclosures	Deposits include demand deposits, which are non-interest-bearing, As of March 31, 2018 2019 2019 (In millions) Interest-bearing: Savings deposits Rs. 2,237,968.7 Rs. 2,487,001.6 US$ 35,960.1 Time deposits 4,455,680.6 5,317,715.9 76,890.1 Total interest-bearing deposits 6,693,649.3 7,804,717.5 112,850.2 Non-interest-bearing 1,190,102.2 1,420,309.4 20,536.6 Total Rs. 7,883,751.5 Rs. 9,225,026.9 US$ 133,386.8
Time Deposits By Maturity	As of March 31, 2019, the scheduled maturities for total time deposits were as follows: As of March 31, 2019 (In millions) Due to mature in the fiscal year ending March 31: 2020 Rs. 4,570,771.1 US$ 66,089.8 2021 469,740.1 6,792.1 2022 162,234.4 2,345.8 2023 35,359.5 511.3 2024 58,237.5 842.1 Thereafter 21,373.3 309.0 Total Rs. 5,317,715.9 US$ 76,890.1

Short-term borrowings (Tables)

Short-term borrowings (Tables)	12 Months Ended
	Mar. 31, 2019
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, 2018 and March 31, 2019 comprised of the following: As of March 31, 2018 2019 2019 (In millions) Borrowed in the call market Rs. 28,585.7 Rs. 9,155.9 US$ 132.4 Term borrowings from institutions/banks 391,950.0 363,921.2 5,262.0 Foreign currency borrowings 307,066.6 280,980.9 4,062.8 Bills rediscounted 51,599.4 0.0 0.0 Total Rs. 779,201.7 Rs. 654,058.0 US$ 9,457.2 Total borrowings outstanding: Maximum amount outstanding Rs. 865,997.0 Rs. 957,026.5 US$ 13,837.9 Average amount outstanding Rs. 512,626.7 Rs. 705,161.6 US$ 10,196.1 Weighted average interest rate 4.9 % 5.3 % 5.3 %

Long-term debt (Tables)

Long-term debt (Tables)	12 Months Ended
	Mar. 31, 2019
Schedule of Long-term Debt Instruments	The below table presents the balance of long-term debt as of March 31, 2018 and March 31, 2019 and the related contractual rates and maturity dates: As of, March 31, 2018 March 31, 2019 Maturity / Stated interest rates Total Maturity / Stated interest rates Total Total (In millions) Subordinated debt Subordinated debt (other than perpetual debt) 2019-2028 7.56% to 10.85% Rs. 151,063.5 2021-2029 7.56% to 10.20% Rs. 128,315.8 US$ 1,855.3 Perpetual debt 2023 8.85% 79,997.3 2023-2029 8.85% to 9.40% 82,997.9 1,200.1 Others* Variable rate—(1) 2020-2022 2.68% to 3.25% 32,227.2 2020-2022 3.30% to 3.88% 36,288.8 524.7 Variable rate—(2) 2019-2023 7.64% to 10.05% 108,196.7 2020-2024 8.25% to 10.05% 116,615.2 1,686.2 Fixed rate—(1) 2019-2027 6.90% to 10.35% 561,421.6 2020-2029 4.60% to 9.56% 680,335.3 9,837.1 Total Rs. 932,906.3 Rs. 1,044,553.0 US$ 15,103.4 * Variable rate (1) represent foreign currency debt. Variable rate debt is typically indexed to LIBOR, T-bill
Maturities of Long-Term Debt Disclosures	The scheduled maturities of long-term debt are set out below: As of March 31, 2019 (In millions) Due in the twelve months ending March 31: 2020 Rs. 261,201.6 US$ 3,776.8 2021 153,384.5 2,217.8 2022 114,697.8 1,658.4 2023 79,464.2 1,149.0 2024 23,050.0 333.3 Thereafter 329,757.0 4,768.0 Total (1) Rs. 961,555.1 US$ 13,903.3 (1) The scheduled maturities of long-term debt do not include perpetual bonds of Rs. 82,997.9 million (net of debt issuance cost).
Long-term Debt
Schedule of Long-term Debt Instruments	Long-term debt as of March 31, 2018 and March 31, 2019 comprised of the following: As of March 31, 2018 2019 2019 (In millions) Subordinated debt Rs. 231,070.0 Rs. 211,320.0 US$ 3,055.5 Others 701,885.6 833,265.2 12,048.4 Less: Debt issuance cost (49.3 ) (32.2 ) (0.5 ) Total Rs. 932,906.3 Rs. 1,044,553.0 US$ 15,103.4

Accrued expenses and other li_2

Accrued expenses and other liabilities (Tables)	12 Months Ended
	Mar. 31, 2019
Accrued Expenses and Other Liabilities	Accrued expenses and other liabilities include the amounts set forth below: As of March 31, 2018 2019 2019 (In millions) Bills payable Rs. 82,217.8 Rs. 70,404.0 US$ 1,018.0 Remittances in transit 35,308.9 41,721.1 603.3 Accrued expenses 52,643.5 57,816.9 836.0 Accounts payable 106,510.1 88,212.9 1,275.5 Derivatives (refer to note 24) 56,124.7 128,449.0 1,857.3 Others 58,636.6 80,834.7 1,168.7 Total Rs.391,441.6 Rs.467,438.6 US$ 6,758.8

Accumulated other comprehensi_2

Accumulated other comprehensive income (Tables)	12 Months Ended
	Mar. 31, 2019
Changes in Accumulated Other Comprehensive Income After Tax	The below table presents the changes in accumulated other comprehensive income (OCI) after income tax for the years ended March 31, 2018 and March 31, 2019. Available for Foreign currency Total (In millions) Balance, March 31, 2017 Rs. 25,433.1 Rs. 598.5 Rs. 26,031.6 Net unrealized gain/(loss) arising during the period (21,445.3 ) 72.1 (21,373.2 ) Amounts reclassified to income (8,455.1 ) 0.0 (8,455.1 ) Balance, March 31, 2018 Rs. (4,467.3 ) Rs. 670.6 Rs. (3,796.7 ) Balance, March 31, 2018 Rs. (4,467.3 ) Rs. 670.6 Rs. (3,796.7 ) Adjustment to Other Comprehensive Income (loss) (268.0 ) 0.0 (268.0 ) Net unrealized gain/(loss) arising during the period 17,105.1 663.9 17,769.0 Amounts reclassified to income (1,895.5 ) 0.0 (1,895.5 ) Balance, March 31, 2019 Rs. 10,474.3 Rs. 1,334.5 Rs. 11,808.8 Balance, March 31, 2019 US$ 151.5 US$ 19.2 US$ 170.7
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 income tax effect for periods ended March 31, 2018 and March 31, 2019. As of March 31, 2018 2019 2019 (In millions) Available for sale debt securities: Realized (gain)/loss on sales of available for sale debt securities, net Rs. (13,145.7) Rs. (3,994.6) US$ (57.8) Other than temporary impairment losses on available for sale debt securities 149.1 1,081.0 15.6 Total before income tax Rs. (12,996.6) Rs. (2,913.6) US$ (42.2) Income tax 4,541.5 1,018.1 14.7 Net of income tax Rs. (8,455.1) Rs. (1,895.5) US$ (27.5 )

Non-interest revenue (Tables)

Non-interest revenue (Tables)	12 Months Ended
	Mar. 31, 2019
Summary of Disaggregation of Revenue	The table below presents the non-interest Fiscal years ended March 31, 2017 2018 2019 2019 (In millions) Deposit related fees Rs. 20,407.5 Rs. 22,424.9 Rs. 25,383.0 US$ 367.0 Lending related fees 26,705.4 31,791.6 30,176.2 436.3 Third-party products related fees 13,813.1 20,908.1 22,000.4 318.1 Payments and cards business fees 25,115.2 34,551.4 47,012.4 679.8 Others 8,079.1 10,384.9 9,583.2 138.6 Fees and commissions Rs. 94,120.3 Rs. 120,060.9 Rs. 134,155.2 US$ 1,939.8 The table below presents the non-interest Fiscal year ended March 31, 2017 2018 2019 2019 (In millions) Retail Banking Rs. 86,237.9 Rs. 110,927.2 Rs. 123,070.6 US$ 1,779.5 Wholesale Banking 7,695.8 8,985.0 10,839.6 156.7 Treasury Services 186.6 148.7 245.0 3.6 Fees and commissions Rs. 94,120.3 Rs. 120,060.9 Rs. 134,155.2 US$ 1,939.8

Income taxes (Tables)

Income taxes (Tables)	12 Months Ended
	Mar. 31, 2019
Income Tax Disclosure Table	Income tax expense is comprised of the following: Fiscal year ended March 31, 2017 2018 2019 2019 (In millions) Current tax expense Rs. 84,273.5 Rs. 108,676.0 Rs. 128,050.2 US$ 1,851.5 Deferred tax (benefit) expense (5,048.6 ) (10,403.5 ) (8,129.4 ) (117.6 ) Interest on income tax refund 0.0 0.0 (527.3 ) (7.6 ) Income tax expense Rs. 79,224.9 Rs. 98,272.5 Rs. 119,393.5 US$ 1,726.3
Reconciliation Of Statutory Federal Tax Rate	The following is the reconciliation of income taxes at the Indian statutory income tax rate to income tax expense as reported: Fiscal year ended March 31, 2017 2018 2019 2019 (In millions) Income before income tax expense Rs. 219,965.5 Rs. 277,106.4 Rs. 339,959.0 US$ 4,915.5 Statutory income tax rate 34.61 % 34.61 % 34.94 % 34.94 % Expected income tax expense 76,125.7 95,901.0 118,795.3 1,717.7 Adjustments to reconcile expected income tax to actual tax expense Interest on income tax refund 0.0 0.0 (343.0 ) (5.0 ) Stock-based compensation 2,839.0 2,282.3 1,867.2 27.0 Income exempt from taxes (997.2 ) (524.8 ) (1,422.8 ) (20.6 ) Effect of change in statutory tax rate 0.0 (209.2 ) 0.0 0.0 Other, net 1,257.4 823.2 496.8 7.2 Income tax expense Rs. 79,224.9 Rs. 98,272.5 Rs. 119,393.5 US$ 1,726.3
Components of Deferred Tax Assets and Liabilities	The tax effects of significant temporary differences are as follows: As of March 31, 2018 2019 2019 (In millions) Tax effect of: Deductible temporary differences: Allowance for loan losses Rs. 30,732.5 Rs. 39,604.8 US$ 572.7 Unrealized loss on available for sale debt securities 2,491.2 0.0 0.0 Property and equipment 0.0 383.8 5.5 Derivatives 309.8 289.1 4.2 Employee benefits 1,905.5 2,063.1 29.8 Others* 4,718.5 5,511.9 79.7 Deferred tax asset 40,157.5 47,852.7 691.9 Taxable temporary differences: Property and equipment 434.0 0.0 0.0 Loan origination cost and fees 4,957.9 5,606.3 81.1 Investments, others 479.2 2,677.0 38.7 Unrealized gain on available for sale debt securities 0.0 5,680.2 82.1 Intangible assets 0.3 0.0 0.0 Deferred tax liability 5,871.4 13,963.5 201.9 Net deferred tax asset (liability) Rs. 34,286.1 Rs. 33,889.2 US$ 490.0
Reconciliation Of Unrecognized Tax Benefits	A reconciliation of the beginning and ending balance of unrecognized tax benefits is as follows: Fiscal year ended March 31, 2018 2019 2019 (In millions) Opening balance Rs. 648.3 Rs. 648.3 US$ 9.4 Increase/(decrease) related to prior year tax positions 0.0 13,799.8 199.5 Closing balance Rs. 648.3 Rs. 14,448.1 US$ 208.9

Stock-based compensation (Table

Stock-based compensation (Tables)	12 Months Ended
	Mar. 31, 2019
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, 2017 2018 2019 Dividend yield 0.0 0.65%-0.66% 0.62%-0.65% Expected volatility 0.0 19.94%-21.65% 14.53%-18.68% Risk-free interest rate 0.0 6.73%-7.20% 7.23%-8.31% Expected term (in years) 0.0 4.66-6.06 2.78-5.16
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: Number of options available to be granted 2017 2018 2019 Options available to be granted, beginning of period 31,534,850 133,673,650 117,841,600 Equity shares allocated for grant under the plan 100,000,000 0.0 0.0 Options granted 0.0 (16,882,050 ) (19,895,000 ) Forfeited/lapsed 2,138,800 1,050,000 3,260,085 Options available to be granted, end of period 133,673,650 117,841,600 101,206,685 Activity in the options outstanding under the Employee Stock Option Scheme is as follows: Years ended March 31, 2017 2018 2019 Options Weighted Options Weighted Options Weighted Options outstanding, beginning of period 128,654,300 Rs. 840.19 92,156,300 Rs. 904.97 75,443,800 Rs. 1,050.22 Granted 0.0 0.0 16,882,050 1,433.23 19,895,000 2,060.47 Exercised (34,359,200 ) 658.20 (32,544,550 ) 837.59 (23,772,304 ) 925.79 Forfeited (1,992,500 ) 981.44 (986,800 ) 1,055.59 (3,205,385 ) 1,518.42 Lapsed (146,300 ) 857.61 (63,200 ) 963.45 (54,700 ) 837.10 Options outstanding, end of period 92,156,300 Rs. 904.97 75,443,800 Rs. 1,050.22 68,306,411 Rs. 1,365.97 Options exercisable, end of period 56,314,000 Rs. 835.06 46,810,250 Rs. 901.44 40,304,861 Rs. 1,017.78 Weighted average fair value of options granted during the year Rs. 0.0 Rs. 464.17 Rs. 525.57
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, 2019: As of March 31, 2019 Plan Range of exercise price Number of Weighted Weighted Plan C Rs.680.00 to Rs.835.50 (or US$ 9.83 to US$ 12.08) 1,537,400 0.87 685.70 Plan D Rs.680.00 (or US$ 9.83) 659,900 0.97 680.00 Plan E Rs.680.00 (or US$ 9.83) 2,498,700 0.96 680.00 Plan F Rs.835.50 to Rs. 1,462.15 (or US$ 12.08 to US$ 21.14) 44,238,411 2.71 1,134.48 Plan G Rs.2,006.05 to Rs. 2,090.45 (or US$ 29.01 to US$ 30.23) 19,372,000 3.57 2,060.45

Retirement benefits (Tables)

Retirement benefits (Tables)	12 Months Ended
	Mar. 31, 2019
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, 2018 and March 31, 2019 are summarized in the table below. As of March 31, 2018 As of March 31, 2019 Level 1 Level 2 Level 3 Level 1 Level 2 Level 3 (In millions) Funds managed by insurance company (1) Rs. 0.0 Rs. 0.0 Rs. 519.9 Rs. 0.0 Rs. 0.0 Rs. 625.0 Funds managed by insurance company (2) 0.0 3,797.4 0.0 0.0 4,632.5 0.0 Funds managed by trust — Government securities 0.0 106.0 0.0 0.0 106.6 0.0 — Debenture and bonds 0.0 372.4 0.0 0.0 320.1 0.0 — Others 90.7 0.0 0.0 37.1 0.0 0.0 Total Rs. 90.7 Rs. 4,275.8 Rs. 519.9 Rs. 37.1 Rs. 5,059.2 Rs. 625.0
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 2018 and 2019. Funds managed by Insurance 2018 2019 2019 (In millions) Particulars Opening balance Rs. 457.7 Rs. 519.9 US$ 7.5 Realized interest credited to fund 40.6 36.7 0.5 Contribution during the period 93.2 88.6 1.3 Amount paid towards claim (71.6 ) (20.2 ) (0.3 ) Closing balance Rs. 519.9 Rs. 625.0 US$ 9.0
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, 2018 and March 31, 2019: As of March 31, 2018 2019 2019 (In millions) Change in benefit obligations: Projected benefit obligation (“PBO”), beginning of the period Rs. 5,225.6 Rs. 5,975.5 US$ 86.4 Service cost 741.0 820.6 11.9 Interest cost 392.2 476.7 6.9 Actuarial(gains)/ losses 97.8 (46.4 ) (0.7 ) Benefits paid (481.1 ) (572.9 ) (8.3 ) Projected benefit obligation, end of the period 5,975.5 6,653.5 96.2 Change in plan assets: Fair value of plan assets, beginning of the period 3,902.2 4,573.4 66.1 Expected return on plan assets 297.4 347.4 5.0 Actuarial gains/(losses) 12.7 130.2 1.9 Actual return on plan assets 310.1 477.6 6.9 Employer contributions 842.2 1,023.7 14.8 Benefits paid (481.1 ) (572.9 ) (8.3 ) Fair value of plan assets, end of the period 4,573.4 5,501.8 79.5 Funded Status Rs. (1,402.1 ) Rs. (1,151.7 ) US$ (16.7 )
Schedule of Net Benefit Costs	Net gratuity cost for the years ended March 31, 2017, March 31, 2018 and March 31, 2019 was comprised of the following components: Fiscal years ended March 31, 2017 2018 2019 2019 (In millions) Service cost Rs. 860.6 Rs. 741.0 Rs. 820.6 US$ 11.9 Interest cost 454.6 392.2 476.7 6.9 Expected return on plan assets (389.7) (297.4) (347.4) (5.0 ) Actuarial (gains)/losses 287.6 85.1 (176.6 ) (2.6 ) Net gratuity cost* Rs. 1,213.1 Rs. 920.9 Rs. 773.3 US$ 11.2 * Effective April 1, 2018, the Bank adopted ASU 2017-07 Non-interest Non-interest
Schedule of Assumptions Used	The assumptions used in accounting for the gratuity plan are set out below: Fiscal years ended March 31, 2017 2018 2019 (% per annum) Discount rate* 6.8-8.1 7.4-8.0 7.2-8.4 Rate of increase in compensation levels of covered employees 5.0-12.0 5.0-11.0 5.0-9.0 Rate of return on plan assets 7.0-7.6 7.0-8.0 7.0-7.2 Mortality rates used are based on the published “Indian Assured Lives Mortality (2012-2014) Ultimate” table * 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) 2020 Rs. 847.8 2021 713.9 2022 604.1 2023 527.1 2024 470.2 2025 - 2029 1,906.5
Schedule of Allocation of Plan Assets	As at March 31, 2019, the plan assets as a percentage of the total funds were as follows: As of March 31, 2019 Funds managed Funds managed Funds Government securities 76.9 % 15.7 % 36.0 % Debenture and bonds 17.3 % 29.5 % 48.8 % Equity securities 5.5 % 53.3 % 0.0 Other 0.3 % 1.5 % 15.2 % 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, 2019 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, 2018 and March 31, 2019: As of March 31, 2018 2019 2019 (In millions) Change in benefit obligations: Projected benefit obligation (“PBO”), beginning of the period Rs. 722.2 Rs. 722.8 US$ 10.5 Service cost 7.6 7.7 0.1 Interest cost 57.9 66.3 1.0 Actuarial (gains)/losses 22.6 6.5 0.1 Benefits paid (87.5 ) (125.7 ) (1.8 ) Projected benefit obligation, end of the period 722.8 677.6 9.9 Change in plan assets: Fair value of plan assets, beginning of the period 361.6 313.0 4.5 Expected return on plan assets 23.6 18.6 0.3 Actuarial gains/(losses) 5.9 4.8 0.1 Actual return on plan assets 29.5 23.4 0.4 Employer contributions 9.4 8.8 0.1 Benefits paid (87.5 ) (125.7 ) (1.8 ) Fair value of plan assets, end of the period 313.0 219.5 3.2 Funded Status Rs. (409.8 ) Rs. (458.1 ) US$ (6.7 )
Schedule of Net Benefit Costs	Net pension cost for the years ended March 31, 2017, March 31, 2018 and March 31, 2019 was comprised of the following components: As of March 31, 2017 2018 2019 2019 (In millions) Service cost Rs. 12.9 Rs. 7.6 Rs. 7.7 US$ 0.1 Interest cost 53.4 57.9 66.3 1.0 Expected return on plan assets (26.1 ) (23.6 ) (18.6 ) (0.3 ) Actuarial (gains)/losses 17.7 16.7 1.7 0.0 Net pension cost* Rs. 57.9 Rs. 58.6 Rs. 57.1 US$ 0.8 * Effective April 1, 2018, the Bank adopted ASU 2017-07 Non-interest Non-interest
Schedule of Assumptions Used	The assumptions used in accounting for the pension plan are set out below: Fiscal years ended March 31, 2017 2018 2019 (% per annum) Discount rate* 8.1 8.0 8.4 Rate of increase in compensation levels of covered employees 8.0 8.0 8.0 Rate of return on plan assets 7.0 7.0 7.0 Mortality rates used are based on the published “Indian Assured Lives Mortality (2012-2014) Ultimate” table * 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) 2020 Rs. 107.7 2021 97.5 2022 54.2 2023 26.6 2024 42.8 2025-2029 117.5
Schedule of Allocation of Plan Assets	The weighted-average asset allocation of the said plan assets for the pension benefits as at March 31, 2019 is as follows: Asset category Funds managed Government securities 8.5 % Debenture and bonds 91.5 % Other 0.0 % Total 100.0 %

Financial instruments (Tables)

Financial instruments (Tables)	12 Months Ended
	Mar. 31, 2019
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, 2018 and March 31, 2019, together with the fair values on each reporting date. As of March 31, 2018 Notional Gross Assets Gross Liabilities Net Fair Value (In millions) Interest rate derivatives Rs. 3,084,700.1 Rs. 10,618.3 Rs. 9,520.9 Rs. 1,097.4 Forward rate agreements 2,073.1 2.5 2.6 (0.1 ) Currency options 234,613.3 1,863.1 2,361.6 (498.5 ) Currency swaps 161,301.3 4,929.0 4,882.5 46.5 Forward exchange contracts 4,344,675.7 33,423.4 39,357.1 (5,933.7 ) Total Rs. 7,827,363.5 Rs. 50,836.3 Rs. 56,124.7 Rs. (5,288.4 ) As of March 31, 2019 Notional Gross Assets Gross Liabilities Net Fair Value Notional Net Fair Value (In millions) Interest rate derivatives Rs. 3,159,867.1 Rs. 27,932.0 Rs. 27,102.8 Rs. 829.2 US$ 45,689.2 US$ 12.0 Forward rate agreements 0.0 0.0 0.0 0.0 0.0 0.0 Currency options 282,096.9 2,326.1 2,617.2 (291.1 ) 4,078.9 (4.2 ) Currency swaps 197,044.2 5,841.0 4,070.7 1,770.3 2,849.1 25.6 Forward exchange contracts 5,561,859.5 96,425.0 94,658.3 1,766.7 80,420.2 25.5 Total Rs. 9,200,867.7 Rs. 132,524.1 Rs. 128,449.0 Rs. 4,075.1 US$ 133,037.4 US$ 58.9
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 – 2017 2018 2019 2019 (In millions) Interest rate derivatives Rs. 399.3 Rs. 1,027.5 Rs. 736.4 US$ 10.6 Forward rate agreements 1.2 0.5 0.1 0.0 Currency options 677.7 (15.0 ) (262.5 ) (3.8 ) Currency swaps (2,453.4 ) (1,706.9 ) 1,045.0 15.1 Forward exchange contracts (4,363.3 ) 7,436.5 10,890.1 157.5 Total gains/(losses) Rs. (5,738.5 ) Rs. 6,742.6 Rs. 12,409.1 US$ 179.4
Amounts Subject to Enforceable Netting Arrangements	As of March 31, 2018 Amounts subject to enforceable netting arrangements Effects of offsetting on balance sheet Related amounts not offset Gross Amounts Amounts Net amounts Financial Financial Net amount (In millions) Financial assets Derivative assets Rs. 50,836.3 Rs. 0.0 Rs. 50,836.3 Rs. 34,782.9 Rs. 4,297.0 Rs. 11,756.4 Securities purchased under agreements to resell 650,018.6 0.0 650,018.6 0.0 650,018.6 0.0 Financial liabilities Derivative liabilities Rs. 56,124.7 Rs. 0.0 Rs. 56,124.7 Rs. 34,782.9 Rs. 378.3 Rs. 20,963.5 Securities sold under repurchase agreements 138,000.0 0.0 138,000.0 0.0 138,000.0 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. As of March 31, 2019 Amounts subject to enforceable netting arrangements Effects of offsetting on balance sheet Related amounts not offset Gross Amounts Amounts Net amounts Financial Financial Net amount (In millions) Financial assets Derivative assets Rs. 132,524.1 Rs. 0.0 Rs. 132,524.1 Rs. 104,025.7 Rs. 2,651.7 Rs. 25,846.7 US$ 373.7 Securities purchased under agreements to resell 76,213.5 0.0 76,213.5 0.0 76,213.5 0.0 0.0 Financial liabilities Derivative liabilities Rs. 128,449.0 Rs. 0.0 Rs. 128,449.0 Rs. 104,025.7 Rs. 3,098.1 Rs. 21,325.2 US$ 308.3 Securities sold under repurchase agreements 174,000.0 0.0 174,000.0 0.0 174,000.0 0.0 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, 2018 Amounts subject to enforceable netting arrangements Effects of offsetting on balance sheet Related amounts not offset Gross Amounts Amounts Net amounts Financial Financial Net amount (In millions) Financial assets Derivative assets Rs. 50,836.3 Rs. 0.0 Rs. 50,836.3 Rs. 34,782.9 Rs. 4,297.0 Rs. 11,756.4 Securities purchased under agreements to resell 650,018.6 0.0 650,018.6 0.0 650,018.6 0.0 Financial liabilities Derivative liabilities Rs. 56,124.7 Rs. 0.0 Rs. 56,124.7 Rs. 34,782.9 Rs. 378.3 Rs. 20,963.5 Securities sold under repurchase agreements 138,000.0 0.0 138,000.0 0.0 138,000.0 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. As of March 31, 2019 Amounts subject to enforceable netting arrangements Effects of offsetting on balance sheet Related amounts not offset Gross Amounts Amounts Net amounts Financial Financial Net amount (In millions) Financial assets Derivative assets Rs. 132,524.1 Rs. 0.0 Rs. 132,524.1 Rs. 104,025.7 Rs. 2,651.7 Rs. 25,846.7 US$ 373.7 Securities purchased under agreements to resell 76,213.5 0.0 76,213.5 0.0 76,213.5 0.0 0.0 Financial liabilities Derivative liabilities Rs. 128,449.0 Rs. 0.0 Rs. 128,449.0 Rs. 104,025.7 Rs. 3,098.1 Rs. 21,325.2 US$ 308.3 Securities sold under repurchase agreements 174,000.0 0.0 174,000.0 0.0 174,000.0 0.0 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, 2018 2019 2019 (In millions) Nominal values: Bank guarantees: Financial guarantees Rs. 237,417.3 Rs. 254,075.9 US$ 3,673.7 Performance guarantees 214,088.3 285,748.4 4,131.7 Documentary credits 395,452.7 475,617.8 6,877.1 Total Rs. 846,958.3 Rs. 1,015,442.1 US$ 14,682.5 Estimated fair values: Guarantees Rs. (2,825.4) Rs. (3,544.4) US$ (51.2) Documentary credits (406.1 ) (501.7 ) (7.3 ) Total Rs. (3,231.5 ) Rs. (4,046.1 ) US$ (58.5 )

Estimated fair value of finan_2

Estimated fair value of financial instruments (Tables)	12 Months Ended
	Mar. 31, 2019
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, 2018 March 31, 2019 Estimated Fair Value Estimated Fair Value Carrying Value Level 1 Level 2 Level 3 Total Carrying Level 1 Level 2 Level 3 Total Carrying Estimated (In millions) Financial Assets: Cash and due from banks, and restricted cash Rs. 574,151.0 Rs. 574,151.0 Rs. 0.0 Rs. 0.0 Rs. 574,151.0 Rs. 734,872.6 Rs. 734,872.6 Rs. 0.0 Rs. 0.0 Rs. 734,872.6 US$ 10,625.7 US$ 10,625.7 Investments held for trading 167,513.9 3,652.4 163,861.5 0.0 167,513.9 265,516.1 1,999.6 263,516.5 0.0 265,516.1 3,839.2 3,839.2 Investments available for sale debt securities 2,221,443.3 4,009.7 2,198,899.0 18,534.6 2,221,443.3 2,633,348.4 34,807.2 2,559,728.3 38,812.9 2,633,348.4 38,076.2 38,076.2 Securities purchased under agreements to resell 650,018.6 0.0 650,018.6 0.0 650,018.6 76,213.5 0.0 76,213.5 0.0 76,213.5 1,102.0 1,102.0 Loans 7,263,671.8 0.0 2,078,100.0 5,218,275.8 7,296,375.8 8,963,232.6 0.0 2,593,533.9 6,378,523.8 8,972,057.7 129,601.3 129,729.0 Accrued interest receivable 77,894.7 0.0 77,894.7 0.0 77,894.7 93,031.7 0.0 93,031.7 0.0 93,031.7 1,345.2 1,345.2 Other assets 248,805.3 559.3 246,590.6 0.0 247,149.9 344,873.6 2,390.1 340,767.5 0.0 343,157.6 4,986.6 4,961.8 Financial Liabilities Interest-bearing deposits 6,693,649.3 0.0 6,716,360.3 0.0 6,716,360.3 7,804,717.5 0.0 7,826,794.0 0.0 7,826,794.0 112,850.2 113,169.4 Non-interest-bearing 1,190,102.2 0.0 1,190,102.2 0.0 1,190,102.2 1,420,309.4 0.0 1,420,309.4 0.0 1,420,309.4 20,536.6 20,536.6 Securities sold under repurchase agreements 138,000.0 0.0 138,000.0 0.0 138,000.0 174,000.0 0.0 174,000.0 0.0 174,000.0 2,515.9 2,515.9 Short-term borrowings 779,201.7 0.0 779,418.7 0.0 779,418.7 654,058.0 0.0 655,215.2 0.0 655,215.2 9,457.2 9,473.9 Accrued interest payable 65,514.4 0.0 65,514.4 0.0 65,514.4 79,372.5 0.0 79,372.5 0.0 79,372.5 1,147.7 1,147.7 Long-term debt 932,906.3 0.0 943,813.5 0.0 943,813.5 1,044,553.0 0.0 1,061,687.0 0.0 1,061,687.0 15,103.4 15,351.2 Accrued expenses and other liabilities 301,871.0 0.0 301,871.0 0.0 301,871.0 366,071.3 0.0 366,071.3 0.0 366,071.3 5,293.1 5,293.1

Segment information (Tables)

Segment information (Tables)	12 Months Ended
	Mar. 31, 2019
Schedule of Segment Reporting Information, by Segment	Summarized segment information for the years ended March 31, 2017, March 31, 2018 and March 31, 2019: Fiscal year ended March 31, 2017 2018 Retail Wholesale Treasury Total Retail Wholesale Treasury Total (In millions) Net interest income/(expense) (External) Rs. 188,803.6 Rs. 159,644.3 Rs. 3,347.7 Rs. 351,795.6 Rs. 279,198.3 Rs. 120,341.3 Rs. 23,611.0 Rs. 423,150.6 Net interest income/(expense) (Internal) 97,969.3 (100,757.5 ) 2,788.2 0.0 65,690.2 (48,571.1 ) (17,119.1 ) 0.0 Net interest revenue 286,772.9 58,886.8 6,135.9 351,795.6 344,888.5 71,770.2 6,491.9 423,150.6 Less: Provision for credit losses 31,341.7 6,609.7 0.0 37,951.4 52,577.1 6,820.7 0.0 59,397.8 Net interest revenue, after allowance for credit losses 255,431.2 52,277.1 6,135.9 313,844.2 292,311.4 64,949.5 6,491.9 363,752.8 Non-interest 95,914.4 11,090.1 3,321.6 110,326.1 122,582.6 12,674.1 9,350.3 144,607.0 Non-interest (187,591.4 ) (15,352.0 ) (1,261.4 ) (204,204.8 ) (210,257.2 ) (19,792.1 ) (1,204.1 ) (231,253.4 ) Income before income tax Rs. 163,754.2 Rs. 48,015.2 Rs. 8,196.1 Rs. 219,965.5 Rs. 204,636.8 Rs. 57,831.5 Rs. 14,638.1 Rs. 277,106.4 Income tax expense Rs. 79,224.9 Rs. 98,272.5 Segment assets: Segment total assets Rs. 4,987,187.1 Rs. 3,346,273.0 Rs. 733,520.4 Rs. 9,066,980.5 Rs. 6,351,601.7 Rs. 4,140,606.7 Rs. 875,100.4 Rs. 11,367,308.8 Fiscal year ended March 31, 2019 Retail Banking Wholesale Treasury Total Total (In millions) Net interest income/(expense) (External) Rs. 336,677.1 Rs. 140,085.0 Rs. 30,743.5 Rs. 507,505.6 US$ 7,338.1 Net interest income/(expense) (Internal) 62,339.1 (43,842.8 ) (18,496.3 ) 0.0 0.0 Net interest revenue 399,016.2 96,242.2 12,247.2 507,505.6 7,338.1 Less: Provision for credit losses 64,051.0 8,228.3 0.0 72,279.3 1,045.1 Net interest revenue, after allowance for credit losses 334,965.2 88,013.9 12,247.2 435,226.3 6,293.0 Non-interest 138,783.0 23,789.6 (2,450.4 ) 160,122.2 2,315.2 Non-interest (230,726.5 ) (22,744.8 ) (1,918.2 ) (255,389.5 ) (3,692.7 ) Income before income tax Rs. 243,021.7 Rs. 89,058.7 Rs. 7,878.6 Rs. 339,959.0 US$ 4,915.5 Income tax expense Rs. 119,393.5 US$ 1,726.3 Segment assets: Segment total assets Rs. 7,432,733.8 Rs. 4,732,290.7 Rs. 1,115,049.1 Rs. 13,280,073.6 US$ 192,019.7

Commitments and contingencies (

Commitments and contingencies (Tables)	12 Months Ended
	Mar. 31, 2019
Operating Leases of Lessee Disclosure	The rental expenses and sub-lease As of March 31, 2017 2018 2019 2019 (In millions) The total minimum lease expense during the year recognized in the consolidated statement of income Rs. 11,548.5 Rs. 12,311.3 Rs. 12,700.8 US$ 183.6
Schedule of Future Minimum Rental Payments for Operating Leases	The future minimum lease payments as of March 31, 2019 were as follows: Year ending March 31, Payments (In millions) 2020 Rs. 10,538.6 US$ 152.4 2021 9,921.4 143.5 2022 9,100.7 131.6 2023 8,137.3 117.7 2024 7,104.2 102.7 Thereafter 41,090.6 594.1 Total Rs. 85,892.8 US$ 1,242.0
Movement in Provision for Reward Points	The movement in provision for credit card and debit card reward points as of March 31, 2018 and March 31, 2019 is as follows: As of March 31, 2018 2019 2019 (In millions) Opening provision of reward points Rs. 4,312.4 Rs. 4,711.2 US$ 68.1 Provision made during the year 2,650.9 3,747.3 54.2 Utilization/write back of provision (2,220.7 ) (2,555.9 ) (37.0 ) Effect of change in rate of accrual of reward points 1.3 91.5 1.3 Effect of change in cost of reward points (32.7 ) 36.8 0.5 Closing provision of reward points Rs. 4,711.2 Rs. 6,030.9 US$ 87.1

Related party transactions (Tab

Related party transactions (Tables)	12 Months Ended
	Mar. 31, 2019
Schedule of Related Party Transactions	Balances payable to related parties are as follows: As of March 31, 2018 2019 Principal Others Total Principal Others Total Total (In millions) Balances in non-interest-bearing Rs. 21,758.0 Rs. 11,771.8 Rs. 33,529.8 Rs. 32,176.8 Rs. 14,170.1 Rs. 46,346.9 US$ 670.1 Balances in interest-bearing deposits 10,749.7 1,905.0 12,654.7 733.1 1,732.9 2,466.0 35.7 Accrued expenses and other liabilities 327.8 — 327.8 836.4 0.0 836.4 12.1 Total Rs. 32,835.5 Rs. 13,676.8 Rs. 46,512.3 Rs. 33,746.3 Rs. 15,903.0 Rs. 49,649.3 US$ 717.9 Balances receivable from related parties are as follows: As of March 31, 2018 2019 Principal Others Total Principal Others Total Total (In millions) Loans Rs. 0.0 Rs. 55.0 Rs. 55.0 Rs. 0.0 Rs. 33.9 Rs. 33.9 US$ 0.5 Other assets 288.1 2,317.3 2,605.4 310.2 1,474.7 1,784.9 25.8 Total Rs. 288.1 Rs. 2,372.3 Rs. 2,660.4 Rs. 310.2 Rs. 1,508.6 Rs. 1,818.8 US$ 26.3 Purchase of property and equipment from related parties for the years ended March 31, 2018 and 2019 were nil. Purchase and sale of investments from Others for the year ended March 31, 2019 were Rs. 6,490.7 million (previous year Rs. 4,565.9 million) and Rs. 22,236.2 million (previous year Rs. 5,099.3 million), respectively. Investments of Others in the Bank’s subordinated debt for the fiscal year ended March 31, 2019 were Rs. 250.0 million (previous year Rs. 250.0 million). Included in the determination of net income are the following significant transactions with related parties: Fiscal year ended March 31, 2017 2018 2019 Principal Others Total Principal Others Total Principal Others Total Total (In millions) Non-interest Rs. 2,074.5 Rs. 10,356.4 Rs. 12,430.9 Rs. 2,642.7 Rs. 14,913.5 Rs. 17,556.2 Rs. 2,829.7 Rs. 14,558.3 Rs. 17,388.0 US$ 251.4 Interest and Dividend revenue 0.0 37.2 37.2 132.8 1,396.9 1,529.7 352.0 1,549.7 1,901.7 27.5 Interest expense-Deposits (55.7 ) (117.7 ) (173.4 ) (59.6 ) (115.9 ) (175.5 ) (54.9 ) (138.0 ) (192.9 ) (2.8 ) Non-interest (3,405.7 ) (1,582.2 ) (4,987.9 ) (4,031.9 ) (2,266.8 ) (6,298.7 ) (4,838.3 ) (2,841.7 ) (7,680.0 ) (111.0 ) Non-interest (25.3 ) (7.7 ) (33.0 ) (19.8 ) (7.6 ) (27.4 ) (31.2 ) (6.1 ) (37.3 ) (0.5 )

Earnings per equity share (Tabl

Earnings per equity share (Tables)	12 Months Ended
	Mar. 31, 2019
Weighted-average number of shares	As of March 31, 2017 2018 2019 Weighted average number of equity shares used in computing basic earnings per equity share 2,544,333,609 2,580,538,505 2,680,034,029 Effect of potential equity shares for stock options outstanding 31,017,917 33,400,121 26,792,948 Weighted average number of equity shares used in computing diluted earnings per equity share 2,575,351,526 2,613,938,626 2,706,826,977
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, 2017 2018 2019 2019 Basic earnings per share Rs. 55.23 Rs. 69.18 Rs. 82.13 US$ 1.19 Effect of potential equity shares for stock options outstanding 0.66 0.89 0.82 0.01 Diluted earnings per share Rs. 54.57 Rs. 68.29 Rs. 81.31 US$ 1.18 Basic earnings per ADS Rs. 165.69 Rs. 207.54 Rs. 246.39 US$ 3.57 Effect of potential equity shares for stock options outstanding 1.98 2.67 2.46 0.03 Diluted earnings per ADS Rs. 163.71 Rs. 204.87 Rs. 243.93 US$ 3.54

Investments in Subsidiaries_A_2

Investments in Subsidiaries/Affiliates (Tables)	12 Months Ended
	Mar. 31, 2019
Investments in and Advances to Affiliates	The following is a list of investments in affiliates as at March 31, 2019: Company* Type of Business HDFC Bank Limited HDFC Bank Limited Total HDFC (In millions) Softcell Technologies Limited (“Softcell”) Business-to-business Rs. 30.3 14.0 % 26.0 % * Computer Age Management Services Private Limited (“CAMS”) is no longer accounted for under the equity method of accounting. The total HDFC Group Ownership in this strategic investment is 12.5% of which HDFC Bank Limited and Subsidiary Ownership is 6.5%. * International Asset Reconstruction Company Private Limited (“IARC”) is no longer accounted for under the equity method of accounting. The total HDFC Bank Limited Ownership in this investment is 19.2%. There are no investments in this company either by the Bank’s subsidiaries or any other group companies.

Fair value measurement (Tables)

Fair value measurement (Tables)	12 Months Ended
	Mar. 31, 2019
Information about Changes in Fair Value of Level 3 Assets Pertaining to Instruments Carried at Fair Value	The following table summarizes, certain additional information about changes in the fair value of Level 3 assets pertaining to instruments carried at fair value for the years ended March 31, 2018 and March 31, 2019: Particulars As of March 31, 2018 (in millions) Beginning balance at April 1, 2017 Rs. 21,899.1 Total gains or losses (realized/unrealized) -Included in net income 0.0 -Included in other comprehensive income (76.9 ) Purchases/additions 13,110.3 Sales 0.0 Issuances 0.0 Settlements (16,397.9 ) Transfers in Level 3 0.0 Transfers out of Level 3 0.0 Foreign currency translation adjustment 0.0 Ending balance at March 31, 2018 Rs. 18,534.6 Total amount of gains or (losses) included in net income attributable to change in unrealized gains or (losses) relating to assets still held at reporting date Rs 0.0 Particulars As of March 31, 2019 (In millions) Beginning balance at April 1, 2018 Rs. 18,534.6 Total gains or losses (realized/unrealized) -Included in net income 0.0 -Included in other comprehensive income 355.9 Purchases/additions 42,885.7 Sales 0.0 Issuances 0.0 Settlements (22,963.3 ) Transfers in Level 3 0.0 Transfers out of Level 3 0.0 Foreign currency translation adjustment 0.0 Ending balance at March 31, 2019 Rs. 38,812.9 Total amount of gains or (losses) included in net income attributable to change in unrealized gains or (losses) relating to assets still held at reporting date Rs 0.0
Investments
Fair Value Measured on Recurring Basis	The following table summarizes investments measured at fair value on a recurring basis as of March 31, 2018, 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 Significant other Significant (In millions) Trading account securities Rs. 167,513.9 Rs. 3,652.4 Rs. 163,861.5 Rs. 0.0 Securities Available-for-Sale 2,221,443.3 4,009.7 2,198,899.0 18,534.6 Equity securities* # 559.3 559.3 0.0 0.0 Total Rs. 2,389,516.5 Rs. 8,221.4 Rs. 2,362,760.5 Rs. 18,534.6 The following table summarizes investments measured at fair value on a recurring basis as of March 31, 2019, 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 Significant other Significant (In millions) Trading account securities Rs. 265,516.1 Rs. 1,999.6 Rs. 263,516.5 Rs. 0.0 Securities Available-for-Sale 2,633,348.4 34,807.2 2,559,728.3 38,812.9 Equity securities* # 11,024.0 2,390.1 8,633.9 0.0 Total Rs. 2,909,888.5 Rs. 39,196.9 Rs. 2,831,878.7 Rs. 38,812.9 Total US$ 42,074.7 US$ 566.7 US$ 40,946.8 US$ 561.2 * Effective April 1, 2018, the Bank adopted ASU 2016-01 # Equity securities classified within other assets.
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, 2018, 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 Significant other Significant (In millions) Derivative assets Rs. 50,836.3 Rs. 0.0 Rs. 50,836.3 Rs. 0.0 Derivative liabilities Rs. 56,124.7 Rs. 0.0 Rs. 56,124.7 Rs. 0.0 The following table summarizes derivative instruments measured at fair value on a recurring basis as of March 31, 2019, 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 Significant other Significant (In millions) Derivative assets Rs. 132,524.1 Rs. 0.0 Rs. 132,524.1 Rs. 0.0 Derivative liabilities Rs. 128,449.0 Rs. 0.0 Rs. 128,449.0 Rs. 0.0

Bank Overview - Additional Info

Bank Overview - Additional Information (Detail)	Aug. 02, 2018$ / sharesshares	Jul. 17, 2018₨ / sharesshares	Mar. 31, 2019₨ / sharesshares	Mar. 31, 2018shares	Mar. 31, 2017shares
Employees Stock Option Scheme
Nature Of Business [Line Items]
Total number of shares issued pursuant to exercise of stock options			23,772,304	32,544,550	34,359,200
Per ADS information (where 1 ADS represents 3 shares)
Nature Of Business [Line Items]
Shares issued	17,500,000
Shares issued, price per share | $ / shares	$ 104
Equity Shares
Nature Of Business [Line Items]
Shares issued	52,500,000
Qualified Institutional Placement (QIP)
Nature Of Business [Line Items]
Shares issued			12,847,222
Shares issued, price per share | ₨ / shares			₨ 2,160
Housing Development Finance Corporation Limited | Preferential Allotment
Nature Of Business [Line Items]
Shares issued		39,096,817
Shares issued, price per share | ₨ / shares		₨ 2,174.09
Housing Development Finance Corporation Limited
Nature Of Business [Line Items]
Equity ownership interest of the bank's largest shareholder			21.40%	20.90%

Summary of Significant Accoun_4

Summary of Significant Accounting Policies - Additional Information (Detail) ₨ in Millions, $ in Millions		Apr. 01, 2018INR (₨)	Mar. 31, 2019INR (₨)Segment	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Significant Accounting Policies [Line Items]
Percentage of minimum tax benefit likely of being realized upon settlement			50.00%
Reportable segments | Segment			3
Adoption of accounting standards			₨ 0
Equity securities, fair value	[1],[2]				₨ 559.3
Future minimum lease payments			₨ 85,892.8	$ 1,242
Financial statements translation rate, Indian rupees (Rs.) equivalence of U.S. $1			69.16	69.16
ASU 2016-01
Significant Accounting Policies [Line Items]
Adoption of accounting standards		₨ 268
Cumulative catch-up reclassification from AOCI to retained earnings of an accumulated gross gain		412
Equity securities, fair value		₨ 1,267.7
Retail Loans | Personal Loans, Credit Card Receivables, Auto Loans, Commercial Vehicle and Construction Equipment Finance
Significant Accounting Policies [Line Items]
Loans charge off period			180 days	180 days
Retail Loans | Housing loans
Significant Accounting Policies [Line Items]
Loans charge off period			720 days	720 days
Retail Loans | Retail Business Banking
Significant Accounting Policies [Line Items]
Loans charge off period			Customer by customer basis
Minimum
Significant Accounting Policies [Line Items]
Bank voting rights			20.00%	20.00%
Minimum | Retail Loans
Significant Accounting Policies [Line Items]
Loans charge off period			180 days	180 days
Maximum
Significant Accounting Policies [Line Items]
Bank voting rights			50.00%	50.00%
Maximum | Retail Loans
Significant Accounting Policies [Line Items]
Loans charge off period			1083 days	1083 days
[1]	Effective April 1, 2018, the Bank adopted ASU 2016-01 (See note 2(w)(ii) to the Consolidated Financial Statements for additional details).
[2]	Equity securities classified within other assets.

Property and Equipment Deprecia

Property and Equipment Depreciation Rate Over Estimated Useful Lives of Fixed Assets on Straight-Line Basis (Detail)	12 Months Ended
	Mar. 31, 2019
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, 2019
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 Due From Banks and Res

Cash and Due From Banks and Restricted Cash - Additional Information (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Restricted Cash and Cash Equivalents Items [Line Items]
Restricted cash	₨ 383,503	$ 5,545.2	₨ 314,463.4

Portfolio of Trading Securities

Portfolio of Trading Securities (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Schedule of Trading Securities and Other Trading Assets [Line Items]
Amortized Cost	₨ 265,011.1	$ 3,831.9	₨ 167,433.1
Gross Unrealized Gains	506.2	7.3	89.2
Gross Unrealized Losses	1.2	0	8.4
Fair Value	265,516.1	$ 3,839.2	167,513.9
Debt Securities
Schedule of Trading Securities and Other Trading Assets [Line Items]
Amortized Cost	168,075.5		75,944.5
Gross Unrealized Gains	179		81.8
Gross Unrealized Losses	1.2		8.4
Fair Value	168,253.3		76,017.9
Debt Securities | Government of India securities
Schedule of Trading Securities and Other Trading Assets [Line Items]
Amortized Cost	134,084.9		25,962.2
Gross Unrealized Gains	163.2		19
Gross Unrealized Losses	0.1		8
Fair Value	134,248		25,973.2
Debt Securities | Other corporate/financial institution securities
Schedule of Trading Securities and Other Trading Assets [Line Items]
Amortized Cost	33,990.6		49,982.3
Gross Unrealized Gains	15.8		62.8
Gross Unrealized Losses	1.1		0.4
Fair Value	34,005.3		50,044.7
Other securities (including mutual fund units)
Schedule of Trading Securities and Other Trading Assets [Line Items]
Amortized Cost	96,935.6		91,488.6
Gross Unrealized Gains	327.2		7.4
Gross Unrealized Losses	0		0
Fair Value	₨ 97,262.8		₨ 91,496

Portfolio of Available for Sale

Portfolio of Available for Sale Debt Securities (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2019INR (₨)		Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	₨ 2,617,505.3		$ 37,847.2	₨ 2,228,983.3
Gross Unrealized Gains	27,846.4		402.6	12,080.6
Gross Unrealized Losses	12,003.3		173.6	19,620.6
Fair Value	2,633,348.4		38,076.2	2,221,443.3
Debt securities, other than asset and mortgage-backed securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	2,577,245.6			2,209,797
Gross Unrealized Gains	27,680.1			12,014.6
Gross Unrealized Losses	11,880.7			19,261.8
Fair Value	2,593,045		$ 37,493.4	2,202,549.8
Debt securities, other than asset and mortgage-backed securities | Government of India securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	2,147,934.6			1,748,761
Gross Unrealized Gains	21,881.4			9,169.5
Gross Unrealized Losses	9,834.9			16,843.9
Fair Value	2,159,981.1			1,741,086.6
Debt securities, other than asset and mortgage-backed securities | State government securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	144,633.7			123,426.9
Gross Unrealized Gains	4,864.6			2,349.7
Gross Unrealized Losses	475.7			729
Fair Value	149,022.6			125,047.6
Debt securities, other than asset and mortgage-backed securities | Government securities outside India
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	7,201.6			4,223.8
Gross Unrealized Gains	3.3			0
Gross Unrealized Losses	0			6.8
Fair Value	7,204.9			4,217
Debt securities, other than asset and mortgage-backed securities | Credit Substitutes
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	273,550.7			325,159.3
Gross Unrealized Gains	899.9			495.3
Gross Unrealized Losses	1,563.8			1,623.1
Fair Value	272,886.8			324,031.5
Debt securities, other than asset and mortgage-backed securities | Other corporate/financial institution bonds
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	3,925			8,226
Gross Unrealized Gains	30.9			0.1
Gross Unrealized Losses	6.3			59
Fair Value	3,949.6			8,167.1
Mortgage-backed securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	56.3			82.2
Gross Unrealized Gains	1			2.8
Gross Unrealized Losses	0.4			0.1
Fair Value	56.9			84.9
Asset-backed securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	38,827.1			18,966.5
Gross Unrealized Gains	165			62.9
Gross Unrealized Losses	122.2			358.7
Fair Value	38,869.9			18,670.7
Other securities (including mutual fund units)
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	1,376.3	[1]		137.6
Gross Unrealized Gains	0.3	[1]		0.3
Gross Unrealized Losses	0	[1]		0
Fair Value	1,376.6	[1]		137.9
Securities with gross unrealized losses
Schedule of Available-for-sale Securities [Line Items]
Fair Value	799,718.5			1,174,742.9
Securities with gross unrealized gains
Schedule of Available-for-sale Securities [Line Items]
Fair Value	₨ 1,833,629.9			₨ 1,046,700.4
[1]	The Bank adopted ASU 2016-01 and ASU 2018-03 as of April 1, 2018, resulting in a cumulative effect adjustment from AOCI to retained earnings for net unrealized gains on marketable equity securities AFS. The available-for sale category was eliminated for equity securities amortized cost Rs. 855.6 million and carrying value Rs. 1,267.7 million effective April 1, 2018. See note 2 (w)(ii) and note 14 to the Consolidated Financial Statements for additional details.

Portfolio of Available for Sa_2

Portfolio of Available for Sale Debt Securities (Parenthetical) (Detail) - INR (₨) ₨ in Millions		Apr. 01, 2018	Mar. 31, 2018
Schedule of Available-for-sale Securities [Line Items]
Equity securities, fair value	[1],[2]		₨ 559.3
ASU 2016-01
Schedule of Available-for-sale Securities [Line Items]
Equity securities, cost		₨ 855.6
Equity securities, fair value		₨ 1,267.7
[1]	Effective April 1, 2018, the Bank adopted ASU 2016-01 (See note 2(w)(ii) to the Consolidated Financial Statements for additional details).
[2]	Equity securities classified within other assets.

Investments, Available for Sale

Investments, Available for Sale Debt Securities - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)	Mar. 31, 2017INR (₨)	Mar. 31, 2019USD ($)
Schedule of Available-for-sale Securities [Line Items]
Available for sale investments, amount kept as margins for clearing, collateral borrowing and lending obligation (CBLO) and real time gross settlement (RTGS)	₨ 8,319.8		₨ 5,815.1		$ 120.3
Available-for-Sale Debt Securities
Schedule of Available-for-sale Securities [Line Items]
Available for sale investments, amount eligible towards the Bank's statutory liquidity reserve requirements	2,309,003.7		1,866,134.2		33,386.4
Available for sale investments, amount kept as margins for clearing, collateral borrowing and lending obligation (CBLO) and real time gross settlement (RTGS)	1,634,673.3		1,354,027.6		$ 23,636.1
Other than temporary impairment losses on available for sale securities	₨ 1,081	$ 15.6	₨ 149.1	₨ 13.4

Gross Unrealized Losses and Fai

Gross Unrealized Losses and Fair Value of Available for Sale Debt Securities (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Gain (Loss) on Securities [Line Items]
Less Than 12 Months Fair Value	₨ 32,187.5	$ 465.4	₨ 748,570.8
Less Than 12 Months Unrealized Losses	137	2	10,856.5
12 Months or Greater Fair Value	767,531	11,097.9	426,172.1
12 Months or Greater Unrealized Losses	11,866.3	171.6	8,764.1
Fair Value	799,718.5	11,563.3	1,174,742.9
Unrealized Losses	12,003.3	$ 173.6	19,620.6
Debt securities, other than asset and mortgage-backed securities
Gain (Loss) on Securities [Line Items]
Less Than 12 Months Fair Value	17,996.3		740,181.9
Less Than 12 Months Unrealized Losses	88.1		10,643.3
12 Months or Greater Fair Value	763,992.6		420,466
12 Months or Greater Unrealized Losses	11,792.6		8,618.5
Fair Value	781,988.9		1,160,647.9
Unrealized Losses	11,880.7		19,261.8
Debt securities, other than asset and mortgage-backed securities | Government of India securities
Gain (Loss) on Securities [Line Items]
Less Than 12 Months Fair Value	0		540,941.5
Less Than 12 Months Unrealized Losses	0		8,852.9
12 Months or Greater Fair Value	568,759		342,621.5
12 Months or Greater Unrealized Losses	9,834.9		7,991
Fair Value	568,759		883,563
Unrealized Losses	9,834.9		16,843.9
Debt securities, other than asset and mortgage-backed securities | Credit Substitutes
Gain (Loss) on Securities [Line Items]
Less Than 12 Months Fair Value	17,996.3		159,026.1
Less Than 12 Months Unrealized Losses	88.1		1,002.8
12 Months or Greater Fair Value	165,700.5		73,734.9
12 Months or Greater Unrealized Losses	1,475.7		620.3
Fair Value	183,696.8		232,761
Unrealized Losses	1,563.8		1,623.1
Debt securities, other than asset and mortgage-backed securities | Other corporate/financial institution bonds
Gain (Loss) on Securities [Line Items]
Less Than 12 Months Fair Value	0		4,057.2
Less Than 12 Months Unrealized Losses	0		51.8
12 Months or Greater Fair Value	2,117.6		4,109.6
12 Months or Greater Unrealized Losses	6.3		7.2
Fair Value	2,117.6		8,166.8
Unrealized Losses	6.3		59
Debt securities, other than asset and mortgage-backed securities | State government securities
Gain (Loss) on Securities [Line Items]
Less Than 12 Months Fair Value	0		31,940.1
Less Than 12 Months Unrealized Losses	0		729
12 Months or Greater Fair Value	27,415.5		0
12 Months or Greater Unrealized Losses	475.7		0
Fair Value	27,415.5		31,940.1
Unrealized Losses	475.7		729
Debt securities, other than asset and mortgage-backed securities | Government securities outside India
Gain (Loss) on Securities [Line Items]
Less Than 12 Months Fair Value	0		4,217
Less Than 12 Months Unrealized Losses	0		6.8
12 Months or Greater Fair Value	0		0
12 Months or Greater Unrealized Losses	0		0
Fair Value	0		4,217
Unrealized Losses	0		6.8
Mortgage-backed securities
Gain (Loss) on Securities [Line Items]
Less Than 12 Months Fair Value	0		57
Less Than 12 Months Unrealized Losses	0		0.1
12 Months or Greater Fair Value	45.7		0
12 Months or Greater Unrealized Losses	0.4		0
Fair Value	45.7		57
Unrealized Losses	0.4		0.1
Asset-backed securities
Gain (Loss) on Securities [Line Items]
Less Than 12 Months Fair Value	14,191.2		8,331.9
Less Than 12 Months Unrealized Losses	48.9		213.1
12 Months or Greater Fair Value	3,492.7		5,706.1
12 Months or Greater Unrealized Losses	73.3		145.6
Fair Value	17,683.9		14,038
Unrealized Losses	122.2		358.7
Other securities (including mutual fund units)
Gain (Loss) on Securities [Line Items]
Less Than 12 Months Fair Value	0		0
Less Than 12 Months Unrealized Losses	0		0
12 Months or Greater Fair Value	0		0
12 Months or Greater Unrealized Losses	0		0
Fair Value	0		0
Unrealized Losses	₨ 0		₨ 0

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, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Amortized Cost
Amortized Cost	₨ 2,617,505.3	$ 37,847.2	₨ 2,228,983.3
Fair Value
Total	2,633,348.4	38,076.2	2,221,443.3
Debt securities, other than asset and mortgage-backed securities
Amortized Cost
Within one year	767,752.7
Over one year through five years	547,095.3
Over five years through ten years	862,305.7
Over ten years	400,091.9
Amortized Cost	2,577,245.6		2,209,797
Fair Value
Within one year	769,080.4	11,120.3
Over one year through five years	554,493.3	8,017.5
Over five years through ten years	868,843	12,562.8
Over ten years	400,628.3	5,792.8
Total	₨ 2,593,045	$ 37,493.4	₨ 2,202,549.8

Contractual Residual Maturity_2

Contractual Residual Maturity of Available for Sale Mortgage-Backed and Asset-Backed Debt Securities (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Amortized Cost
Amortized Cost	₨ 2,617,505.3	$ 37,847.2	₨ 2,228,983.3
Fair Value
Total	2,633,348.4	38,076.2	₨ 2,221,443.3
Asset and Mortgage Backed Securities
Amortized Cost
Within one year	19,027.9
Over one year through five years	19,812.5
Over five years through ten years	13.2
Over ten years	29.8
Amortized Cost	38,883.4
Fair Value
Within one year	19,015	274.9
Over one year through five years	19,836.4	286.8
Over five years through ten years	13	0.2
Over ten years	62.4	0.9
Total	₨ 38,926.8	$ 562.8

Gross Realized Gains and Gross

Gross Realized Gains and Gross Realized Losses from Sales of Available for Sale Debt Securities and Dividends and Interest on Such Securities (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)	Mar. 31, 2017INR (₨)
Schedule of Available-for-sale Securities [Line Items]
Gross realized gains on sale	₨ 3,788.1	$ 54.8	₨ 11,433.8	₨ 10,108.2
Gross realized losses on sale	(1,192.1)	(17.3)	(580.6)	(502)
Realized gains (losses), net	2,596	37.5	10,853.2	9,606.2
Dividends and interest	190,992.5	2,761.6	158,209.2	154,618.6
Total	₨ 193,588.5	$ 2,799.1	₨ 169,062.4	₨ 164,224.8

Investments, Held to Maturity -

Investments, Held to Maturity - Additional Information (Detail) - INR (₨) ₨ in Millions	Mar. 31, 2019	Mar. 31, 2018
Held to maturity securities	₨ 0	₨ 0

Fair Values of Credit Substitut

Fair Values of Credit Substitutes by Type of Instrument (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	₨ 2,617,505.3	$ 37,847.2	₨ 2,228,983.3
Fair Value	2,633,348.4	38,076.2	2,221,443.3
Debt securities, other than asset and mortgage-backed securities | Credit Substitutes
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	273,550.7	3,955.3	325,159.3
Fair Value	272,886.8	$ 3,945.8	324,031.5
Debt securities, other than asset and mortgage-backed securities | Credit Substitutes | Debentures
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	247,869.1		290,893.5
Fair Value	247,152.5		289,782.9
Debt securities, other than asset and mortgage-backed securities | Credit Substitutes | Commercial paper
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	25,681.6		34,265.8
Fair Value	₨ 25,734.3		₨ 34,248.6

Fair Values of Credit Substit_2

Fair Values of Credit Substitutes (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)	Mar. 31, 2019USD ($)
Schedule of Available-for-sale Securities [Line Items]
Pass	₨ 272,886.8		₨ 324,031.5	$ 3,945.8
Impaired-gross balance	0		0	0
Less: amounts provided for other than temporary impairments	0	$ 0	0
Impaired credit substitutes, net	0		0	0
Total credit substitutes, net	₨ 272,886.8		₨ 324,031.5	$ 3,945.8

Impaired Credit Substitutes (De

Impaired Credit Substitutes (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)	Mar. 31, 2019USD ($)
Schedule of Available-for-sale Securities [Line Items]
Gross impaired credit substitutes	₨ 0		₨ 0	$ 0
Debt securities, other than asset and mortgage-backed securities
Schedule of Available-for-sale Securities [Line Items]
Average impaired credit substitutes	0	$ 0	0
Interest income recognized on impaired credit substitutes	0	$ 0	0
Debt securities, other than asset and mortgage-backed securities | Credit Substitutes
Schedule of Available-for-sale Securities [Line Items]
Gross impaired credit substitutes	0		0	0
Debt securities, other than asset and mortgage-backed securities | Credit Substitutes by Industry
Schedule of Available-for-sale Securities [Line Items]
Gross impaired credit substitutes	₨ 0		₨ 0	$ 0

Repurchase and Resell Agreeme_2

Repurchase and Resell Agreements - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)	Mar. 31, 2018INR (₨)	Mar. 31, 2019USD ($)
Repurchase Agreement and Resale Agreement Counterparty [Line Items]
Securities purchased under agreements to resell	₨ 76,213.5	₨ 650,018.6	$ 1,102
Securities sold under repurchase agreements, amount outstanding	₨ 174,000	₨ 138,000	$ 2,515.9
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, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans provided as collateral for borrowings	₨ 780,869.5	$ 11,290.8	₨ 665,906.2
Purchased financing receivable outstanding	₨ 514,756		₨ 364,113

Loans by Facility (Detail)

Loans by Facility (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)	Mar. 31, 2018USD ($)	Mar. 31, 2017INR (₨)	Mar. 31, 2016INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	₨ 9,111,464.6	$ 131,744.7	₨ 7,376,179
Less: Allowance for credit losses	148,232	2,143.4	112,507.2	$ 1,626.8	₨ 78,496.9	₨ 57,360.1
Total	8,963,232.6	129,601.3	7,263,671.8
Retail Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	6,237,903.6	90,195.1	5,213,364.6
Retail Loans | Auto loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	951,744.2	13,761.5	885,234.7
Retail Loans | Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	1,538,107.4	22,239.8	1,187,127.1
Retail Loans | Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	1,478,317.8	21,375.3	1,305,219.8
Retail Loans | Commercial vehicle and construction equipment finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	746,288	10,790.7	595,813.6
Retail Loans | Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	513,771.6	7,428.7	362,718.1
Retail Loans | Other Retail
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	1,009,674.6	14,599.1	877,251.3
Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	₨ 2,873,561	$ 41,549.6	₨ 2,162,814.4

Maturity of Gross Loans (Detail

Maturity of Gross Loans (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Within one year	₨ 3,449,348.2
Over one year through five years	4,812,219.2
Over five years	849,897.2
Total gross loans	9,111,464.6	$ 131,744.7	₨ 7,376,179
Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Within one year	1,537,701.3
Over one year through five years	899,447.4
Over five years	436,412.3
Total gross loans	2,873,561	41,549.6	2,162,814.4
Retail Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Within one year	1,911,646.9
Over one year through five years	3,912,771.8
Over five years	413,484.9
Total gross loans	₨ 6,237,903.6	$ 90,195.1	₨ 5,213,364.6

Gross Loans Analyzed by Perform

Gross Loans Analyzed by Performance (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans	₨ 140,422.5	$ 2,030.4	₨ 108,717.3
Gross loans	9,111,464.6	131,744.7	7,376,179
Performing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	₨ 8,971,042.1	$ 129,714.3	₨ 7,267,461.7

Loan Delinquency and Non-Accrua

Loan Delinquency and Non-Accrual Loans (Detail) ₨ in Millions, $ in Millions		Mar. 31, 2019INR (₨)		Mar. 31, 2019USD ($)		Mar. 31, 2018INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		₨ 9,111,464.6		$ 131,744.7		₨ 7,376,179
Retail Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		6,237,903.6		90,195.1		5,213,364.6
Retail Loans | Auto loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		951,744.2		13,761.5		885,234.7
Retail Loans | Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		1,538,107.4		22,239.8		1,187,127.1
Retail Loans | Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		1,478,317.8		21,375.3		1,305,219.8
Retail Loans | Commercial vehicle and construction equipment finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		746,288		10,790.7		595,813.6
Retail Loans | Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		513,771.6		7,428.7		362,718.1
Retail Loans | Other Retail
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		1,009,674.6		14,599.1		877,251.3
Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		2,873,561		41,549.6		2,162,814.4
Financing Receivable, 31 to 90 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		44,346.7		641.2		39,461
Financing Receivable, 31 to 90 Days Past Due | Retail Loans | Auto loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		4,807				4,384.5
Financing Receivable, 31 to 90 Days Past Due | Retail Loans | Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		11,520.2				8,179.1
Financing Receivable, 31 to 90 Days Past Due | Retail Loans | Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		9,087.9				10,522
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		9,225				7,324.9
Financing Receivable, 31 to 90 Days Past Due | Retail Loans | Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		23.6				25.9
Financing Receivable, 31 to 90 Days Past Due | Retail Loans | Other Retail
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		9,480.1				8,716
Financing Receivable, 31 to 90 Days Past Due | Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		202.9				308.6
Impaired / 91 days or more past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		140,422.5		2,030.4		108,717.3
Impaired / 91 days or more past due | Retail Loans | Auto loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		13,606.7				8,634.5
Impaired / 91 days or more past due | Retail Loans | Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		15,781.5				10,150.9
Impaired / 91 days or more past due | Retail Loans | Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		29,945				25,547.2
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		11,254.9				6,968.1
Impaired / 91 days or more past due | Retail Loans | Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		2,157.1				1,899.5
Impaired / 91 days or more past due | Retail Loans | Other Retail
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		29,523.6				22,704.3
Impaired / 91 days or more past due | Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		38,153.7				32,812.8
Total current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		8,926,695.4	[1],[2]	$ 129,073.1	[1],[3]	7,228,000.7	[2],[3]
Total current | Retail Loans | Auto loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	[2]	933,330.5	[1]			872,215.7	[3]
Total current | Retail Loans | Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	[2]	1,510,805.7	[1]			1,168,797.1	[3]
Total current | Retail Loans | Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	[2]	1,439,284.9	[1]			1,269,150.6	[3]
Total current | Retail Loans | Commercial vehicle and construction equipment finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	[2]	725,808.1	[1]			581,520.6	[3]
Total current | Retail Loans | Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	[2]	511,590.9	[1]			360,792.7	[3]
Total current | Retail Loans | Other Retail
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	[2]	970,670.9	[1]			845,831	[3]
Total current | Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	[2]	₨ 2,835,204.4	[1]			₨ 2,129,693	[3]
[1]	Includes crop related agricultural loans with days past due less than 366 as they are not considered as impaired Rs. 34.0 billion.
[2]	Loans up to 30 days past due are considered current
[3]	Includes crop related agricultural loans with days past due less than 366 as they are not considered as impaired Rs. 31.5 billion.

Loan Delinquency and Non-Accr_2

Loan Delinquency and Non-Accrual Loans (Parenthetical) (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)	Mar. 31, 2018INR (₨)	Mar. 31, 2019USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	₨ 9,111,464.6	₨ 7,376,179	$ 131,744.7
Maximum
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of days past due up to which loans considered current	30 days	30 days
Number of past days less than to which Crop Related Agricultural loans are not considered as impaired	366 days	366 days
Agricultural Loan | Not Impaired or Less Than 366 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	₨ 34,000	₨ 31,500

Grading Indicators Related to B

Grading Indicators Related to Bank's Retail Loans and Wholesale Loans (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	₨ 9,111,464.6	$ 131,744.7	₨ 7,376,179
Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	2,873,561	41,549.6	2,162,814.4
Wholesale loans | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	2,834,466.7	40,984.2	2,116,499.3
Wholesale loans | Labeled
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	940.6	13.7	13,502.3
Wholesale loans | Impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	38,153.7	551.7	32,812.8
Retail Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	6,237,903.6	90,195.1	5,213,364.6
Retail Loans | Impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	102,268.8		75,904.5
Retail Loans | Auto loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	951,744.2	13,761.5	885,234.7
Retail Loans | Auto loans | Impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	13,606.7		8,634.5
Retail Loans | Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	1,538,107.4	22,239.8	1,187,127.1
Retail Loans | Personal loans/Credit card | Impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	15,781.5		10,150.9
Retail Loans | Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	1,478,317.8	21,375.3	1,305,219.8
Retail Loans | Retail Business Banking | Impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	29,945		25,547.2
Retail Loans | Commercial vehicle and construction equipment finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	746,288	10,790.7	595,813.6
Retail Loans | Commercial vehicle and construction equipment finance | Impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	11,254.9		6,968.1
Retail Loans | Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	513,771.6	7,428.7	362,718.1
Retail Loans | Housing loans | Impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	2,157.1		1,899.5
Retail Loans | Other Retail
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	1,009,674.6	14,599.1	877,251.3
Retail Loans | Other Retail | Impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	29,523.6		22,704.3
Performing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	8,971,042.1	$ 129,714.3	7,267,461.7
Performing | Retail Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	6,135,634.8		5,137,460.1
Performing | Retail Loans | Auto loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	938,137.5		876,600.2
Performing | Retail Loans | Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	1,522,325.9		1,176,976.2
Performing | Retail Loans | Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	1,448,372.8		1,279,672.6
Performing | Retail Loans | Commercial vehicle and construction equipment finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	735,033.1		588,845.5
Performing | Retail Loans | Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	511,614.5		360,818.6
Performing | Retail Loans | Other Retail
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	₨ 980,151		₨ 854,547

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, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)	Mar. 31, 2019USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded investments	₨ 140,422.5		₨ 108,717.3	$ 2,030.4
Unpaid principal balance	140,422.5		108,717.3	2,030.4
Related specific allowance	85,783		62,600.5	1,240.4
Average recorded investments	124,570	$ 1,801.2	95,848.8
Finance receivable on non-accrual status	140,422.5		108,717.3	$ 2,030.4
Retail Loans | Auto loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded investments	13,606.7		8,634.5
Unpaid principal balance	13,606.7		8,634.5
Related specific allowance	6,169		3,682.2
Average recorded investments	11,120.6		7,370.1
Finance receivable on non-accrual status	13,606.7		8,634.5
Retail Loans | Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded investments	15,781.5		10,150.9
Unpaid principal balance	15,781.5		10,150.9
Related specific allowance	9,694		6,182.6
Average recorded investments	12,966.2		8,309.2
Finance receivable on non-accrual status	15,781.5		10,150.9
Retail Loans | Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded investments	29,945		25,547.2
Unpaid principal balance	29,945		25,547.2
Related specific allowance	21,595.3		18,709.4
Average recorded investments	27,746.1		23,303.7
Finance receivable on non-accrual status	29,945		25,547.2
Retail Loans | Commercial vehicle and construction equipment finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded investments	11,254.9		6,968.1
Unpaid principal balance	11,254.9		6,968.1
Related specific allowance	6,544.8		4,806.1
Average recorded investments	9,111.5		6,527.4
Finance receivable on non-accrual status	11,254.9		6,968.1
Retail Loans | Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded investments	2,157.1		1,899.5
Unpaid principal balance	2,157.1		1,899.5
Related specific allowance	1,105.2		974.4
Average recorded investments	2,028.3		1,788.9
Finance receivable on non-accrual status	2,157.1		1,899.5
Retail Loans | Other Retail
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded investments	29,523.6		22,704.3
Unpaid principal balance	29,523.6		22,704.3
Related specific allowance	20,441.5		12,922.8
Average recorded investments	26,114		17,005.2
Finance receivable on non-accrual status	29,523.6		22,704.3
Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded investments	38,153.7		32,812.8
Unpaid principal balance	38,153.7		32,812.8
Related specific allowance	20,233.2		15,323
Average recorded investments	35,483.3		31,544.3
Finance receivable on non-accrual status	₨ 38,153.7		₨ 32,812.8

Impaired Loans (Detail)

Impaired Loans (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans	₨ 140,422.5	$ 2,030.4	₨ 108,717.3
Wholesale Trade- Non Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans	15,856.7	229.3	15,239
Consumer Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans	22,513.7	325.5	15,236.4
Agriculture Production - Food
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans	18,915	273.5	12,227
Others (none greater than 5% of impaired loans)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans	66,792.8	965.8	46,544.5
Retail Trade
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans	7,767	112.3	6,279
Agri-Allied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans			6,184
Food And Beverage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans	₨ 8,577.3	$ 124	₨ 7,007.4

Summary Information Relating to

Summary Information Relating to Impaired Loans (Detail) - Gross Loans ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)	Mar. 31, 2017INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Average impaired loans, net of allowance	₨ 50,378.2	$ 728.4	₨ 41,683.2	₨ 29,612.1
Interest income recognized on impaired loans	₨ 6,994.7	$ 101.1	₨ 7,433.7	₨ 3,472.7

Allowance for Credit Losses (De

Allowance for Credit Losses (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)		Mar. 31, 2019USD ($)		Mar. 31, 2018INR (₨)		Mar. 31, 2017INR (₨)		Mar. 31, 2019USD ($)
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	₨ 112,507.2		$ 1,626.8		₨ 78,496.9		₨ 57,360.1
Write-offs	(53,331.6)		(771.1)		(37,978.3)		(26,563.2)
Net allowance for credit losses	89,056.4	[1]	1,287.7	[1]	71,988.6	[2]	47,700	[3]
Allowance for credit losses, end of the period	148,232		$ 2,143.4		112,507.2		78,496.9
Allowance for credit losses:
Allowance individually evaluated for impairment	20,233.2				15,323		11,713.5		$ 292.6
Allowance collectively evaluated for impairment	127,998.8				97,184.2		66,783.4		1,850.8
Loans:
Loans individually evaluated for impairment	38,153.7				32,812.8		30,275.7		551.7
Loans collectively evaluated for impairment	9,073,310.9				7,343,366.2		5,958,634		$ 131,193
Specific allowance for credit losses | Retail Loans | Auto loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	3,682.2				2,792.9		2,101.1
Write-offs	(9,155.3)				(6,826.4)		(5,155)
Net allowance for credit losses	11,642.1	[1]			7,715.7	[2]	5,846.8	[3]
Allowance for credit losses, end of the period	6,169				3,682.2		2,792.9
Allowance for credit losses:
Allowance individually evaluated for impairment	0				0		0
Allowance collectively evaluated for impairment	6,169				3,682.2		2,792.9
Loans:
Loans individually evaluated for impairment	0				0		0
Loans collectively evaluated for impairment	13,606.7				8,634.5		6,105.6
Specific allowance for credit losses | Retail Loans | Personal loans/Credit card
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	6,182.6				4,040		2,638.6
Write-offs	(25,197)				(16,714.3)		(11,639.3)
Net allowance for credit losses	28,708.4	[1]			18,856.9	[2]	13,040.7	[3]
Allowance for credit losses, end of the period	9,694				6,182.6		4,040
Allowance for credit losses:
Allowance individually evaluated for impairment	0				0		0
Allowance collectively evaluated for impairment	9,694				6,182.6		4,040
Loans:
Loans individually evaluated for impairment	0				0		0
Loans collectively evaluated for impairment	15,781.5				10,150.9		6,467.4
Specific allowance for credit losses | Retail Loans | Retail Business Banking
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	18,709.4				15,278.4		10,617.5
Write-offs	(6,665.5)				(5,730)		(1,453.4)
Net allowance for credit losses	9,551.4	[1]			9,161	[2]	6,114.3	[3]
Allowance for credit losses, end of the period	21,595.3				18,709.4		15,278.4
Allowance for credit losses:
Allowance individually evaluated for impairment	0				0		0
Allowance collectively evaluated for impairment	21,595.3				18,709.4		15,278.4
Loans:
Loans individually evaluated for impairment	0				0		0
Loans collectively evaluated for impairment	29,945				25,547.2		21,060.1
Specific allowance for credit losses | Retail Loans | Commercial vehicle and construction equipment finance
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	4,806.1				4,398.5		3,876.7
Write-offs	(4,812.8)				(3,644)		(3,227.4)
Net allowance for credit losses	6,551.5	[1]			4,051.6	[2]	3,749.2	[3]
Allowance for credit losses, end of the period	6,544.8				4,806.1		4,398.5
Allowance for credit losses:
Allowance individually evaluated for impairment	0				0		0
Allowance collectively evaluated for impairment	6,544.8				4,806.1		4,398.5
Loans:
Loans individually evaluated for impairment	0				0		0
Loans collectively evaluated for impairment	11,254.9				6,968.1		6,086.6
Specific allowance for credit losses | Retail Loans | Housing loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	974.4				739.3		410.4
Write-offs	(93.3)				(61.5)		(32.9)
Net allowance for credit losses	224.1	[1]			296.6	[2]	361.8	[3]
Allowance for credit losses, end of the period	1,105.2				974.4		739.3
Allowance for credit losses:
Allowance individually evaluated for impairment	0				0		0
Allowance collectively evaluated for impairment	1,105.2				974.4		739.3
Loans:
Loans individually evaluated for impairment	0				0		0
Loans collectively evaluated for impairment	2,157.1				1,899.5		1,678.2
Specific allowance for credit losses | Retail Loans | Other Retail
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	12,922.8				6,767.5		3,950.4
Write-offs	(5,652)				(4,557.4)		(2,793.5)
Net allowance for credit losses	13,170.7	[1]			10,712.7	[2]	5,610.6	[3]
Allowance for credit losses, end of the period	20,441.5				12,922.8		6,767.5
Allowance for credit losses:
Allowance individually evaluated for impairment	0				0		0
Allowance collectively evaluated for impairment	20,441.5				12,922.8		6,767.5
Loans:
Loans individually evaluated for impairment	0				0		0
Loans collectively evaluated for impairment	29,523.6				22,704.3		11,306.1
Specific allowance for credit losses | Wholesale loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	15,323				11,713.5		7,413.4
Write-offs	(1,755.7)				(444.7)		(2,261.7)
Net allowance for credit losses	6,665.9	[1]			4,054.2	[2]	6,561.8	[3]
Allowance for credit losses, end of the period	20,233.2				15,323		11,713.5
Allowance for credit losses:
Allowance individually evaluated for impairment	20,233.2				15,323		11,713.5
Allowance collectively evaluated for impairment	0				0		0
Loans:
Loans individually evaluated for impairment	38,153.7				32,812.8		30,275.7
Loans collectively evaluated for impairment	0				0		0
Unallocated allowance for credit losses | Retail Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	42,147.4				28,110.6		22,548.6
Write-offs	0				0		0
Net allowance for credit losses	10,793.7	[1]			14,036.8	[2]	5,562	[3]
Allowance for credit losses, end of the period	52,941.1				42,147.4		28,110.6
Allowance for credit losses:
Allowance individually evaluated for impairment	0				0		0
Allowance collectively evaluated for impairment	52,941.1				42,147.4		28,110.6
Loans:
Loans individually evaluated for impairment	0				0		0
Loans collectively evaluated for impairment	6,135,634.8				5,137,460.1		3,996,257.3
Unallocated allowance for credit losses | Wholesale loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	7,759.3				4,656.2		3,803.4
Write-offs	0				0		0
Net allowance for credit losses	1,748.6	[1]			3,103.1	[2]	852.8	[3]
Allowance for credit losses, end of the period	9,507.9				7,759.3		4,656.2
Allowance for credit losses:
Allowance individually evaluated for impairment	0				0		0
Allowance collectively evaluated for impairment	9,507.9				7,759.3		4,656.2
Loans:
Loans individually evaluated for impairment	0				0		0
Loans collectively evaluated for impairment	₨ 2,835,407.3				₨ 2,130,001.6		₨ 1,909,672.7
[1]	Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 16,777.1 million (US$ 242.6 million). Recoveries from Retail loans is Rs. 16,590.9 million and from wholesale loans is Rs. 186.2 million.
[2]	Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 12,590.8 million. Recoveries from Retail loans is Rs. 12,254.3 million and from Wholesale loans is Rs. 336.5 million.
[3]	Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 9,748.6 million. Recoveries from Retail loans is Rs. 8,943.7 million and from Wholesale loans is Rs. 804.9 million.

Allowance for Credit Losses (Pa

Allowance for Credit Losses (Parenthetical) (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)	Mar. 31, 2017INR (₨)
Financing Receivable, Allowance for Credit Loss [Line Items]
Cash recoveries, recoveries against write off cases	₨ 16,777.1	$ 242.6	₨ 12,590.8	₨ 9,748.6
Retail Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Recoveries of loans	16,590.9		12,254.3	8,943.7
Wholesale loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Recoveries of loans	₨ 186.2		₨ 336.5	₨ 804.9

Troubled Debt Restructurings Mo

Troubled Debt Restructurings Modifications (Detail) ₨ in Millions, $ in Millions		12 Months Ended
		Mar. 31, 2019INR (₨)		Mar. 31, 2019USD ($)	[1]	Mar. 31, 2018INR (₨)		Mar. 31, 2019USD ($)	[1]
Financing Receivable, Troubled Debt Restructuring [Line Items]
TDR modifications carrying value		₨ 17.9	[1]			₨ 0	[2]	$ 0.3
Balance of Principal Forgiven		0	[1]	$ 0		0	[2]
Net P&L impact		4.5	[1],[3]	$ 0.1		0	[2],[3]
Retail Loans | Retail Business Banking
Financing Receivable, Troubled Debt Restructuring [Line Items]
TDR modifications carrying value		17.9				0
Balance of Principal Forgiven		0				0
Net P&L impact	[3]	4.5				0
Commercial vehicle and construction equipment finance
Financing Receivable, Troubled Debt Restructuring [Line Items]
TDR modifications carrying value		0				0
Balance of Principal Forgiven		0				0
Net P&L impact	[3]	0				0
Wholesale loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
TDR modifications carrying value		0				0
Balance of Principal Forgiven		0				0
Net P&L impact	[3]	0				0
Financing Receivable Troubled Debt Restructurings Changes in Amount of Principal Payments
Financing Receivable, Troubled Debt Restructuring [Line Items]
TDR modifications carrying value		0	[1],[4]			0	[2],[4]	0
Financing Receivable Troubled Debt Restructurings Changes in Amount of Principal Payments | Retail Loans | Retail Business Banking
Financing Receivable, Troubled Debt Restructuring [Line Items]
TDR modifications carrying value	[4]	0				0
Financing Receivable Troubled Debt Restructurings Changes in Amount of Principal Payments | Commercial vehicle and construction equipment finance
Financing Receivable, Troubled Debt Restructuring [Line Items]
TDR modifications carrying value	[4]	0				0
Financing Receivable Troubled Debt Restructurings Changes in Amount of Principal Payments | Wholesale loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
TDR modifications carrying value	[4]	0				0
Financing Receivable Troubled Debt Restructurings Changes in Amount of Interest Payments
Financing Receivable, Troubled Debt Restructuring [Line Items]
TDR modifications carrying value		17.9	[1],[5]			0	[2],[5]	0.3
Financing Receivable Troubled Debt Restructurings Changes in Amount of Interest Payments | Retail Loans | Retail Business Banking
Financing Receivable, Troubled Debt Restructuring [Line Items]
TDR modifications carrying value	[5]	17.9				0
Financing Receivable Troubled Debt Restructurings Changes in Amount of Interest Payments | Commercial vehicle and construction equipment finance
Financing Receivable, Troubled Debt Restructuring [Line Items]
TDR modifications carrying value	[5]	0				0
Financing Receivable Troubled Debt Restructurings Changes in Amount of Interest Payments | Wholesale loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
TDR modifications carrying value	[5]	0				0
Financing Receivable Troubled Debt Restructurings Changes in Amount of Principal and Interest Payments
Financing Receivable, Troubled Debt Restructuring [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 Loans | Retail Business Banking
Financing Receivable, Troubled Debt Restructuring [Line Items]
TDR modifications carrying value		0				0
Financing Receivable Troubled Debt Restructurings Changes in Amount of Principal and Interest Payments | Commercial vehicle and construction equipment finance
Financing Receivable, Troubled Debt Restructuring [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, Troubled Debt Restructuring [Line Items]
TDR modifications carrying value		₨ 0				₨ 0
[1]	TDR modification during the year ended March 31, 2019 comprised of one case.
[2]	TDR modification during the year ended March 31, 2018 comprised of nil case.
[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, 2019 ₨ in Millions, $ in Millions	INR (₨)	USD ($)
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded investment of defaults	₨ 0	$ 0
Retail Loans | Retail Business Banking
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded investment of defaults	0
Retail Loans | Commercial vehicle and construction equipment finance
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded investment of defaults	0
Wholesale loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded investment of defaults	₨ 0

Interest on Loans by Facility (

Interest on Loans by Facility (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)	Mar. 31, 2017INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Interest on loans	₨ 827,683	$ 11,967.7	₨ 667,458.7	₨ 552,686.8
Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Interest on loans	199,928	2,890.8	152,124.6	134,543.1
Retail Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Interest on loans	₨ 627,755	$ 9,076.9	₨ 515,334.1	₨ 418,143.7

Sales Transfer of Receivables (

Sales Transfer of Receivables (Detail) - Performing ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)	Mar. 31, 2017INR (₨)
Cash flow information
Collections against securitized receivables/transfers	₨ 233.5	$ 3.4	₨ 303.9	₨ 471.1
Payments made	237.7	3.4	301.8	444.7
Cash flows on retained interests	₨ 2.1	$ 0	₨ 3.8	₨ 26.6

Other Key Disclosures (Detail)

Other Key Disclosures (Detail) - Finance Receivable Held by Special Purpose Entities, Transferees ₨ in Millions, $ in Millions	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Securitization or Asset-backed Financing Arrangement, Financial Asset for which Transfer is Accounted as Sale [Line Items]
Transferred receivables with continuing involvement	₨ 398.4	$ 5.8	₨ 575.4
Delinquencies	253.8	3.7	230.7
Credit losses	242	3.5	212.3
Retained interest in sold receivables	₨ 15.9	$ 0.2	₨ 22.8

Fair Value of Retained Interest

Fair Value of Retained Interests (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Annual prepayment rate:
Impact of 10% adverse change	₨ 1.7	$ 0	₨ 2.4
Impact of 20% adverse change	3.3	0	4.6
Expected credit losses:
Impact of 10% adverse change	2.3	0	3.1
Impact of 20% adverse change	₨ 4.5	$ 0.1	₨ 6.2

Concentrations of Credit Risk_2

Concentrations of Credit Risk (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)	Mar. 31, 2019USD ($)
Concentration Risk [Line Items]
Gross loans	₨ 9,111,464.6		₨ 7,376,179	$ 131,744.7
Fair Value Of Credit Substitutes	272,886.8		324,031.5	$ 3,945.8
Non-funded exposure	1,147,966.2		897,794.6
Total Exposure	₨ 10,532,317.6	$ 152,289.1	₨ 8,598,005.1
Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	100.00%	100.00%	100.00%
Consumer Loans
Concentration Risk [Line Items]
Gross loans	₨ 2,477,945.6		₨ 1,948,328.2
Fair Value Of Credit Substitutes	0
Non-funded exposure	1,552.1		665.4
Total Exposure	₨ 2,479,497.7	$ 35,851.6	₨ 1,948,993.6
Consumer Loans | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	23.50%	23.50%	22.70%
NBFC/Financial Intermediaries
Concentration Risk [Line Items]
Gross loans	₨ 311,477.1		₨ 231,249.9
Fair Value Of Credit Substitutes	98,274		110,494.4
Non-funded exposure	13,203.1		6,888.5
Total Exposure	₨ 422,954.2	$ 6,115.6	₨ 348,632.8
NBFC/Financial Intermediaries | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	4.00%	4.00%	4.10%
Retail Trade
Concentration Risk [Line Items]
Gross loans	₨ 445,757.8		₨ 385,217.8
Fair Value Of Credit Substitutes	1,170.7		1,181.4
Non-funded exposure	15,051.6		13,091.9
Total Exposure	₨ 461,980.1	$ 6,679.9	₨ 399,491.1
Retail Trade | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	4.40%	4.40%	4.60%
Automobile and Auto Ancillary
Concentration Risk [Line Items]
Gross loans	₨ 352,979.1		₨ 299,680.3
Fair Value Of Credit Substitutes	10,413.9		13,105.7
Non-funded exposure	32,546.7		30,876.7
Total Exposure	₨ 395,939.7	$ 5,725	₨ 343,662.7
Automobile and Auto Ancillary | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	3.80%	3.80%	4.00%
Agriculture Production - Food
Concentration Risk [Line Items]
Gross loans	₨ 330,092.5		₨ 318,643.5
Fair Value Of Credit Substitutes	0		497.9
Non-funded exposure	728.8		614.9
Total Exposure	₨ 330,821.3	$ 4,783.4	₨ 319,756.3
Agriculture Production - Food | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	3.10%	3.10%	3.70%
Consumer Services
Concentration Risk [Line Items]
Gross loans	₨ 354,060.4		₨ 308,333.2
Fair Value Of Credit Substitutes	3,957.3		3,461.5
Non-funded exposure	13,757.6		14,077.5
Total Exposure	₨ 371,775.3	$ 5,375.6	₨ 325,872.2
Consumer Services | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	3.50%	3.50%	3.80%
Wholesale Trade - Non Industrial
Concentration Risk [Line Items]
Gross loans	₨ 200,089.4		₨ 180,841.8
Fair Value Of Credit Substitutes	248.3		2,239.4
Non-funded exposure	12,218.2		11,945.7
Total Exposure	₨ 212,555.9	$ 3,073.4	₨ 195,026.9
Wholesale Trade - Non Industrial | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.00%	2.00%	2.30%
Road Transportation
Concentration Risk [Line Items]
Gross loans	₨ 376,547.1		₨ 310,740.7
Fair Value Of Credit Substitutes	0		0
Non-funded exposure	9,808.2		5,247.2
Total Exposure	₨ 386,355.3	$ 5,586.4	₨ 315,987.9
Road Transportation | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	3.70%	3.70%	3.70%
Wholesale Trade - Industrial
Concentration Risk [Line Items]
Gross loans	₨ 192,708.4		₨ 167,253.4
Fair Value Of Credit Substitutes	67.8		103.9
Non-funded exposure	29,835.7		27,470.1
Total Exposure	₨ 222,611.9	$ 3,218.8	₨ 194,827.4
Wholesale Trade - Industrial | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.10%	2.10%	2.30%
Agriculture Production-Non Food
Concentration Risk [Line Items]
Gross loans			₨ 199,451.2
Fair Value Of Credit Substitutes			0
Non-funded exposure			9
Total Exposure			₨ 199,460.2
Agriculture Production-Non Food | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%			2.30%
Food And Beverage
Concentration Risk [Line Items]
Gross loans	₨ 233,798.9		₨ 210,780.7
Fair Value Of Credit Substitutes	0		586.8
Non-funded exposure	15,325.7		14,210
Total Exposure	₨ 249,124.6	$ 3,602.1	₨ 225,577.5
Food And Beverage | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.40%	2.40%	2.60%
Real Estate and Property Services
Concentration Risk [Line Items]
Gross loans	₨ 257,056.8		₨ 233,700.5
Fair Value Of Credit Substitutes	1,978.8		1,982.5
Non-funded exposure	33,482.7		27,280.7
Total Exposure	₨ 292,518.3	$ 4,229.6	₨ 262,963.7
Real Estate and Property Services | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.80%	2.80%	3.10%
Engineering
Concentration Risk [Line Items]
Gross loans	₨ 159,462.7		₨ 133,216.6
Fair Value Of Credit Substitutes	1,557.3		2,470.7
Non-funded exposure	120,816		99,933.4
Total Exposure	₨ 281,836	$ 4,075.1	₨ 235,620.7
Engineering | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.70%	2.70%	2.70%
Power
Concentration Risk [Line Items]
Gross loans	₨ 251,169.4		₨ 159,239.8
Fair Value Of Credit Substitutes	37,188.7		34,738.6
Non-funded exposure	39,998.4		36,017.7
Total Exposure	₨ 328,356.5	$ 4,747.8	₨ 229,996.1
Power | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	3.10%	3.10%	2.70%
Business Services
Concentration Risk [Line Items]
Gross loans	₨ 236,853.7		₨ 207,868.8
Fair Value Of Credit Substitutes	249.2		946.6
Non-funded exposure	11,318.3		7,738.7
Total Exposure	₨ 248,421.2	$ 3,592	₨ 216,554.1
Business Services | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.40%	2.40%	2.50%
Telecom
Concentration Risk [Line Items]
Gross loans	₨ 246,272.4		₨ 125,842.1
Fair Value Of Credit Substitutes	21,288.6		21,629.8
Non-funded exposure	26,245.9		27,802.9
Total Exposure	₨ 293,806.9	$ 4,248.2	₨ 175,274.8
Telecom | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.80%	2.80%	2.00%
Others (none greater than 2%)
Concentration Risk [Line Items]
Gross loans	₨ 2,081,399		₨ 1,439,682.5
Fair Value Of Credit Substitutes	76,801.2		52,825.4
Non-funded exposure	470,669.6		460,885.5
Total Exposure	₨ 2,628,869.8	$ 38,011.4	₨ 1,953,393.4
Others (none greater than 2%) | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	24.90%	24.90%	22.70%
Textiles and Garments
Concentration Risk [Line Items]
Gross loans	₨ 187,527.5		₨ 159,873.4
Fair Value Of Credit Substitutes	4,436.1		4,602.7
Non-funded exposure	26,803.8		20,496
Total Exposure	₨ 218,767.4	$ 3,163.2	₨ 184,972.1
Textiles and Garments | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.10%	2.10%	2.20%
Infrastructure Development
Concentration Risk [Line Items]
Gross loans	₨ 128,273.5		₨ 109,841.9
Fair Value Of Credit Substitutes	9,035.5		9,762.5
Non-funded exposure	79,596.8		55,773
Total Exposure	₨ 216,905.8	$ 3,136.3	₨ 175,377.4
Infrastructure Development | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.10%	2.10%	2.00%
Iron and Steel
Concentration Risk [Line Items]
Gross loans	₨ 195,488.6		₨ 135,431.1
Fair Value Of Credit Substitutes	5,514.4		2,583.1
Non-funded exposure	44,149.5		36,184.6
Total Exposure	₨ 245,152.5	$ 3,544.7	₨ 174,198.8
Iron and Steel | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.30%	2.30%	2.00%
Housing Finance
Concentration Risk [Line Items]
Gross loans			₨ 110,961.6
Fair Value Of Credit Substitutes			60,818.6
Non-funded exposure			585.2
Total Exposure			₨ 172,365.4
Housing Finance | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%			2.00%
Coal & Petroleum Products
Concentration Risk [Line Items]
Gross loans	₨ 92,504.7
Fair Value Of Credit Substitutes	705
Non-funded exposure	150,857.5
Total Exposure	₨ 244,067.2	$ 3,529
Coal & Petroleum Products | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.30%	2.30%

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	12 Months Ended
	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Concentration Risk [Line Items]
Total Exposure	₨ 10,532,317.6	$ 152,289.1	₨ 8,598,005.1
Borrower 1
Concentration Risk [Line Items]
Total Exposure	152,598.3	2,206.5	90,988.2
Borrower 1 | Funded Exposure
Concentration Risk [Line Items]
Total Exposure	146,141.2		11,615
Borrower 1 | Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	6,457.1		79,373.2
Borrower 2
Concentration Risk [Line Items]
Total Exposure	142,578.4	2,061.6	80,093.3
Borrower 2 | Funded Exposure
Concentration Risk [Line Items]
Total Exposure	27,488.9		80,006.2
Borrower 2 | Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	115,089.5		87.1
Borrower 3
Concentration Risk [Line Items]
Total Exposure	120,317.1	1,739.7	75,973.3
Borrower 3 | Funded Exposure
Concentration Risk [Line Items]
Total Exposure	120,004.3		27,567.3
Borrower 3 | Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	312.8		48,406
Borrower 4
Concentration Risk [Line Items]
Total Exposure	93,471.4	1,351.5	73,422.5
Borrower 4 | Funded Exposure
Concentration Risk [Line Items]
Total Exposure	92,271.4		59,631.9
Borrower 4 | Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	1,200		13,790.6
Borrower 5
Concentration Risk [Line Items]
Total Exposure	80,041.1	1,157.3	70,012.7
Borrower 5 | Funded Exposure
Concentration Risk [Line Items]
Total Exposure	80,008.5		70,012.7
Borrower 5 | Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	32.6		0
Borrower 6
Concentration Risk [Line Items]
Total Exposure	72,447.9	1,047.5	57,070
Borrower 6 | Funded Exposure
Concentration Risk [Line Items]
Total Exposure	57,604		34,673.6
Borrower 6 | Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	14,843.9		22,396.4
Borrower 7
Concentration Risk [Line Items]
Total Exposure	67,754.9	979.7	56,378.6
Borrower 7 | Funded Exposure
Concentration Risk [Line Items]
Total Exposure	32,948.9		13,054.6
Borrower 7 | Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	34,806		43,324
Borrower 8
Concentration Risk [Line Items]
Total Exposure	66,446.8	960.8	54,750.9
Borrower 8 | Funded Exposure
Concentration Risk [Line Items]
Total Exposure	51,283.8		6,001.5
Borrower 8 | Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	15,163		48,749.4
Borrower 9
Concentration Risk [Line Items]
Total Exposure	66,115.6	956	47,667.1
Borrower 9 | Funded Exposure
Concentration Risk [Line Items]
Total Exposure	43,602.4		44,367.1
Borrower 9 | Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	22,513.2		3,300
Borrower 10
Concentration Risk [Line Items]
Total Exposure	56,907	$ 822.8	45,000
Borrower 10 | Funded Exposure
Concentration Risk [Line Items]
Total Exposure	30,559.1		45,000
Borrower 10 | Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	₨ 26,347.9		₨ 0

Property and Equipment by Asset

Property and Equipment by Asset Category (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Property, Plant and Equipment [Line Items]
Land and premises	₨ 18,836.5	$ 272.4	₨ 17,992.1
Software and systems	29,855.2	431.7	24,554.4
Equipment and furniture	73,601.8	1,064.2	64,927.1
Property and equipment, at cost	122,293.5	1,768.3	107,473.6
Less: Accumulated depreciation	79,105.7	1,143.8	68,505.5
Property and equipment, net	₨ 43,187.8	$ 624.5	₨ 38,968.1

Property and Equipment - Additi

Property and Equipment - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)	Mar. 31, 2017INR (₨)
Property, Plant and Equipment [Line Items]
Depreciation and amortization	₨ 12,247.8	$ 177.1	₨ 9,678.9	₨ 8,876.9

Goodwill and Other Intangible_3

Goodwill and Other Intangible Assets - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)	Mar. 31, 2017INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018USD ($)
Goodwill and Intangible Assets Disclosure [Line Items]
Goodwill	₨ 74,937.9		₨ 74,937.9		$ 1,083.5	$ 1,083.5
Amortization of intangible assets	1	$ 0	₨ 1	₨ 3
To be amortized during the twelve months ending March 31:
2020	0				0
2021	0				0
2022	0				0
2023	0				0
2024	₨ 0				$ 0

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, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Acquired Finite-Lived Intangible Assets [Line Items]
Gross carrying amount	₨ 16,002		₨ 16,002
Accumulated amortization	16,002		16,001
Net carrying amount	0	$ 0	1
Branch network
Acquired Finite-Lived Intangible Assets [Line Items]
Gross carrying amount	8,335		8,335
Accumulated amortization	8,335		8,335
Net carrying amount	0	0	0
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	543		542
Net carrying amount	₨ 0	$ 0	₨ 1

Other Assets (Detail)

Other Assets (Detail) ₨ in Millions, $ in Millions		Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Other Assets Disclosure [Line Items]
Security deposits for leased property		₨ 5,112.9	$ 73.9	₨ 5,004.1
Sundry accounts receivable		49,465.6	715.2	23,216.1
Advance income tax (net of current tax expense)		18,785.7	271.6	17,988.3
Advances		4,213.1	60.9	5,510.2
Prepaid expenses		1,356.7	19.6	897
Deposits/Margins paid		8,319.8	120.3	5,815.1
Derivatives (refer to note 24)		132,524.1	1,916.2	50,836.3
Term placements		115,428.4	1,669	139,875.9
Others	[1]	60,526.7	875.4	49,565.5
Total		₨ 395,733	$ 5,722.1	₨ 298,708.5
[1]	Effective April 1, 2018, the Bank adopted ASU 2016-01(See note 2(w)(ii) to the Consolidated Financial Statements for additional details). The equity securities that were previously reported as AFS securities were reclassified to other assets with carrying value amounting to Rs. 1,267.7 million. Others include equity securities with carrying value amounting to Rs. 1,267.7 million and Rs. 11,483.4 million as at March 31, 2018 and March 31, 2019, respectively. Equity securities include non-marketable equity securities carried at cost Rs. 708.4 million and Rs. 459.4 million as at March 31, 2018 and March 31, 2019, respectively. Unrealised gain recognized in non-interest revenue-other, net Rs 6,717.5 million for the fiscal year ended March 31 2019.

Other Assets (Parenthetical) (D

Other Assets (Parenthetical) (Detail) ₨ in Millions, $ in Millions		12 Months Ended
		Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Other Assets Disclosure [Line Items]
Other assets	[1]	₨ 60,526.7	$ 875.4	₨ 49,565.5
ASU 2016-01
Other Assets Disclosure [Line Items]
Unrealised gain recognized in non-interest revenue-other, net		6,717.5
ASU 2016-01 | Equity securities
Other Assets Disclosure [Line Items]
Other assets		11,483.4		1,267.7
ASU 2016-01 | Equity securities | Non Marketable Equity Securities [Member]
Other Assets Disclosure [Line Items]
Other assets		₨ 459.4		₨ 708.4
[1]	Effective April 1, 2018, the Bank adopted ASU 2016-01(See note 2(w)(ii) to the Consolidated Financial Statements for additional details). The equity securities that were previously reported as AFS securities were reclassified to other assets with carrying value amounting to Rs. 1,267.7 million. Others include equity securities with carrying value amounting to Rs. 1,267.7 million and Rs. 11,483.4 million as at March 31, 2018 and March 31, 2019, respectively. Equity securities include non-marketable equity securities carried at cost Rs. 708.4 million and Rs. 459.4 million as at March 31, 2018 and March 31, 2019, respectively. Unrealised gain recognized in non-interest revenue-other, net Rs 6,717.5 million for the fiscal year ended March 31 2019.

Deposits (Detail)

Deposits (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Interest-bearing:
Savings deposits	₨ 2,487,001.6	$ 35,960.1	₨ 2,237,968.7
Time deposits	5,317,715.9	76,890.1	4,455,680.6
Total interest-bearing deposits	7,804,717.5	112,850.2	6,693,649.3
Non-interest-bearing deposits	1,420,309.4	20,536.6	1,190,102.2
Total	₨ 9,225,026.9	$ 133,386.8	₨ 7,883,751.5

Deposits - Additional Informati

Deposits - Additional Information (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Deposits From Banking Clients [Line Items]
Time deposits with residual maturity of one year or less	₨ 4,570,771.1	$ 66,089.8	₨ 3,904,998.5
Time deposits	5,317,715.9	$ 76,890.1	4,455,680.6
Deposit in excess of Rs. 100000
Deposits From Banking Clients [Line Items]
Time deposits	₨ 5,145,912.9		₨ 4,282,026

Scheduled Maturities for Total

Scheduled Maturities for Total Time Deposits (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Due to mature in the fiscal year ending March 31:
2020	₨ 4,570,771.1	$ 66,089.8	₨ 3,904,998.5
2021	469,740.1	6,792.1
2022	162,234.4	2,345.8
2023	35,359.5	511.3
2024	58,237.5	842.1
Thereafter	21,373.3	309
Total	₨ 5,317,715.9	$ 76,890.1	₨ 4,455,680.6

Short-Term Borrowings (Detail)

Short-Term Borrowings (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)	Mar. 31, 2019USD ($)
Short-term Debt [Line Items]
Short-term borrowings	₨ 654,058		₨ 779,201.7	$ 9,457.2
Weighted average interest rate	5.30%		4.90%	5.30%
Maximum amount outstanding	₨ 957,026.5	$ 13,837.9	₨ 865,997
Average amount outstanding	705,161.6	$ 10,196.1	512,626.7
Borrowed in the call market
Short-term Debt [Line Items]
Short-term borrowings	9,155.9		28,585.7	$ 132.4
Term borrowings from institutions/banks
Short-term Debt [Line Items]
Short-term borrowings	363,921.2		391,950	5,262
Foreign currency borrowings
Short-term Debt [Line Items]
Short-term borrowings	280,980.9		307,066.6	4,062.8
Bills rediscounted
Short-term Debt [Line Items]
Short-term borrowings	₨ 0		₨ 51,599.4	$ 0

Long-Term Debt (Detail)

Long-Term Debt (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Debt Instrument [Line Items]
Subordinated debt	₨ 211,320	$ 3,055.5	₨ 231,070
Others	833,265.2	12,048.4	701,885.6
Less: Debt issuance cost	(32.2)	(0.5)	(49.3)
Total	₨ 1,044,553	$ 15,103.4	₨ 932,906.3

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, 2019INR (₨)	Mar. 31, 2018INR (₨)	Mar. 31, 2019USD ($)
Debt Instrument [Line Items]
Total		₨ 1,044,553	₨ 932,906.3	$ 15,103.4
Perpetual debt
Debt Instrument [Line Items]
Total		₨ 82,997.9
Subordinated debt | Subordinated Debt Other Than Perpetual Debt
Debt Instrument [Line Items]
Maturity /Call dates, start		2021	2019
Maturity /Call dates, end		2029	2028
Total		₨ 128,315.8	₨ 151,063.5	1,855.3
Subordinated debt | Perpetual debt
Debt Instrument [Line Items]
Maturity /Call dates, start		2023	2023
Maturity /Call dates, end		2029
Total		₨ 82,997.9	₨ 79,997.3	$ 1,200.1
Subordinated debt | Minimum | Subordinated Debt Other Than Perpetual Debt
Debt Instrument [Line Items]
Stated interest rates		7.56%	7.56%	7.56%
Subordinated debt | Minimum | Perpetual debt
Debt Instrument [Line Items]
Stated interest rates		8.85%	8.85%	8.85%
Subordinated debt | Maximum | Subordinated Debt Other Than Perpetual Debt
Debt Instrument [Line Items]
Stated interest rates		10.20%	10.85%	10.20%
Subordinated debt | Maximum | Perpetual debt
Debt Instrument [Line Items]
Stated interest rates		9.40%		9.40%
Others | Variable rate-(1)
Debt Instrument [Line Items]
Maturity /Call dates, start	[1]	2020	2020
Maturity /Call dates, end	[1]	2022	2022
Total	[1]	₨ 36,288.8	₨ 32,227.2	$ 524.7
Others | Variable rate-(2)
Debt Instrument [Line Items]
Maturity /Call dates, start	[1]	2020	2019
Maturity /Call dates, end	[1]	2024	2023
Total	[1]	₨ 116,615.2	₨ 108,196.7	1,686.2
Others | Fixed rate-(1)
Debt Instrument [Line Items]
Maturity /Call dates, start	[1]	2020	2019
Maturity /Call dates, end	[1]	2029	2027
Total	[1]	₨ 680,335.3	₨ 561,421.6	$ 9,837.1
Others | Minimum | Variable rate-(1)
Debt Instrument [Line Items]
Stated interest rates	[1]	3.30%	2.68%	3.30%
Others | Minimum | Variable rate-(2)
Debt Instrument [Line Items]
Stated interest rates	[1]	8.25%	7.64%	8.25%
Others | Minimum | Fixed rate-(1)
Debt Instrument [Line Items]
Stated interest rates	[1]	4.60%	6.90%	4.60%
Others | Maximum | Variable rate-(1)
Debt Instrument [Line Items]
Stated interest rates	[1]	3.88%	3.25%	3.88%
Others | Maximum | Variable rate-(2)
Debt Instrument [Line Items]
Stated interest rates	[1]	10.05%	10.05%	10.05%
Others | Maximum | Fixed rate-(1)
Debt Instrument [Line Items]
Stated interest rates	[1]	9.56%	10.35%	9.56%
[1]	Variable rate (1) represent foreign currency debt

Scheduled Maturities of Long-Te

Scheduled Maturities of Long-Term Debt (Detail) - Mar. 31, 2019 ₨ in Millions, $ in Millions		INR (₨)	USD ($)
Due in the twelve months ending March 31:
2020		₨ 261,201.6	$ 3,776.8
2021		153,384.5	2,217.8
2022		114,697.8	1,658.4
2023		79,464.2	1,149
2024		23,050	333.3
Thereafter		329,757	4,768
Total	[1]	₨ 961,555.1	$ 13,903.3
[1]	(1) The scheduled maturities of long-term debt do not include perpetual bonds of Rs. 82,997.9 million (net of debt issuance cost).

Scheduled Maturities of Long-_2

Scheduled Maturities of Long-Term Debt (Parenthetical) (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Debt Instrument [Line Items]
Long-term debt	₨ 1,044,553	$ 15,103.4	₨ 932,906.3
Perpetual debt
Debt Instrument [Line Items]
Long-term debt	₨ 82,997.9

Long-Term Debt - Additional Inf

Long-Term Debt - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)	Mar. 31, 2018INR (₨)	Mar. 31, 2019USD ($)
Debt Instrument [Line Items]
Subordinated debt, debt raised during the year	₨ 6,000	₨ 20,000
Other long term debt, debt raised during the year	311,093.6	325,517.1
Perpetual debt, debt raised during the year	3,000	80,000
Other long-term debt	833,265.2	701,885.6	$ 12,048.4
Foreign currency borrowings
Debt Instrument [Line Items]
Other long-term debt	36,305.9	32,260.9
Functional currency borrowings
Debt Instrument [Line Items]
Other long-term debt	₨ 796,959.3	₨ 669,624.7

Accrued Expenses and Other Li_3

Accrued Expenses and Other Liabilities (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Other Liabilities [Line Items]
Bills payable	₨ 70,404	$ 1,018	₨ 82,217.8
Remittances in transit	41,721.1	603.3	35,308.9
Accrued expenses	57,816.9	836	52,643.5
Accounts payable	88,212.9	1,275.5	106,510.1
Derivatives (refer to note 24)	128,449	1,857.3	56,124.7
Others	80,834.7	1,168.7	58,636.6
Total	₨ 467,438.6	$ 6,758.8	₨ 391,441.6

Accrued Expenses and Other Li_4

Accrued Expenses and Other Liabilities - Additional Information (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Credit card
Other Liabilities [Line Items]
Unamortized annual fees	₨ 538.8	$ 7.8	₨ 351.2

Changes in Accumulated Other Co

Changes in Accumulated Other Comprehensive Income After Tax (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	₨ 1,176,493.3		₨ 1,027,901.1
Adoption of accounting standards	0
Net unrealized gain/(loss) arising during the period	17,769		(21,373.2)
Amounts reclassified to income	(1,895.5)		(8,455.1)
Balance	1,635,624.6	$ 23,649.9	1,176,493.3
Available for Sale Securities
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	(4,467.3)		25,433.1
Adoption of accounting standards	(268)
Net unrealized gain/(loss) arising during the period	17,105.1		(21,445.3)
Amounts reclassified to income	(1,895.5)		(8,455.1)
Balance	10,474.3	151.5	(4,467.3)
Foreign Currency Translation Reserve
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	670.6		598.5
Adoption of accounting standards	0
Net unrealized gain/(loss) arising during the period	663.9		72.1
Amounts reclassified to income	0		0
Balance	1,334.5	19.2	670.6
Accumulated Other Comprehensive Income (Loss)
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	(3,796.7)		26,031.6
Adoption of accounting standards	(268)
Balance	₨ 11,808.8	$ 170.7	₨ (3,796.7)

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, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Available for sale debt securities:
Net of income tax	₨ (1,895.5)		₨ (8,455.1)
Available for Sale Securities
Available for sale debt securities:
Net of income tax	(1,895.5)		(8,455.1)
Reclassification out of Accumulated Other Comprehensive Income | Available for Sale Securities
Available for sale debt securities:
Realized (gain)/loss on sales of available for sale debt securities, net	(3,994.6)	$ (57.8)	(13,145.7)
Other than temporary impairment losses on available for sale debt securities	1,081	15.6	149.1
Total before income tax	(2,913.6)	(42.2)	(12,996.6)
Income tax	1,018.1	14.7	4,541.5
Net of income tax	₨ (1,895.5)	$ (27.5)	₨ (8,455.1)

Non-Interest Revenue - Summary

Non-Interest Revenue - Summary of Disaggregation of Revenue (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)	Mar. 31, 2017INR (₨)
Disaggregation of Revenue [Line Items]
Fees and commissions	₨ 134,155.2	$ 1,939.8	₨ 120,060.9	₨ 94,120.3
Deposit Related Fees
Disaggregation of Revenue [Line Items]
Fees and commissions	25,383	367	22,424.9	20,407.5
Lending related fees
Disaggregation of Revenue [Line Items]
Fees and commissions	30,176.2	436.3	31,791.6	26,705.4
Third party products related fees
Disaggregation of Revenue [Line Items]
Fees and commissions	22,000.4	318.1	20,908.1	13,813.1
Payments and cards business fees
Disaggregation of Revenue [Line Items]
Fees and commissions	47,012.4	679.8	34,551.4	25,115.2
Other
Disaggregation of Revenue [Line Items]
Fees and commissions	₨ 9,583.2	$ 138.6	₨ 10,384.9	₨ 8,079.1

Non-Interest Revenue - Summar_2

Non-Interest Revenue - Summary of Disaggregation of Revenue from Business Segments (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)	Mar. 31, 2017INR (₨)
Disaggregation of Revenue [Line Items]
Fees and commissions	₨ 134,155.2	$ 1,939.8	₨ 120,060.9	₨ 94,120.3
Retail Banking
Disaggregation of Revenue [Line Items]
Fees and commissions	123,070.6	1,779.5	110,927.2	86,237.9
Wholesale Banking
Disaggregation of Revenue [Line Items]
Fees and commissions	10,839.6	156.7	8,985	7,695.8
Treasury Services
Disaggregation of Revenue [Line Items]
Fees and commissions	₨ 245	$ 3.6	₨ 148.7	₨ 186.6

Income Tax Expense (Detail)

Income Tax Expense (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)	Mar. 31, 2017INR (₨)
Components of Income Tax Expense Benefit Abstract
Current tax expense	₨ 128,050.2	$ 1,851.5	₨ 108,676	₨ 84,273.5
Deferred tax (benefit) expense	(8,129.4)	(117.6)	(10,403.5)	(5,048.6)
Interest on income tax refund	(527.3)	(7.6)	0	0
Income tax expense	₨ 119,393.5	$ 1,726.3	₨ 98,272.5	₨ 79,224.9

Reconciliation of Income Taxes

Reconciliation of Income Taxes at Indian Statutory Income Tax Rate to Income Tax Expense as Reported (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)	Mar. 31, 2017INR (₨)
Reconciliation of Estimated Income Taxes to Income Tax Expense as Reported [Line Items]
Income before income tax expense	₨ 339,959	$ 4,915.5	₨ 277,106.4	₨ 219,965.5
Statutory income tax rate	34.94%	34.94%	34.61%	34.61%
Expected income tax expense	₨ 118,795.3	$ 1,717.7	₨ 95,901	₨ 76,125.7
Adjustments to reconcile expected income tax to actual tax expense
Interest on income tax refund	(343)	(5)	0	0
Stock-based compensation	1,867.2	27	2,282.3	2,839
Income exempt from taxes	(1,422.8)	(20.6)	(524.8)	(997.2)
Effect of change in statutory tax rate	0	0	(209.2)	0
Other, net	496.8	7.2	823.2	1,257.4
Income tax expense	₨ 119,393.5	$ 1,726.3	₨ 98,272.5	₨ 79,224.9

Tax Effects of Significant Temp

Tax Effects of Significant Temporary Differences (Detail) ₨ in Millions, $ in Millions		Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Deductible temporary differences:
Allowance for loan losses		₨ 39,604.8	$ 572.7	₨ 30,732.5
Unrealized loss on available for sale debt securities		0	0	2,491.2
Property and equipment		383.8	5.5	0
Derivatives		289.1	4.2	309.8
Employee benefits		2,063.1	29.8	1,905.5
Others*	[1]	5,511.9	79.7	4,718.5
Deferred tax asset		47,852.7	691.9	40,157.5
Taxable temporary differences:
Property and equipment		0	0	434
Loan origination cost and fees		5,606.3	81.1	4,957.9
Investments, others		2,677	38.7	479.2
Unrealized gain on available for sale debt securities		5,680.2	82.1	0
Intangible assets		0	0	0.3
Deferred tax liability		13,963.5	201.9	5,871.4
Net deferred tax asset (liability)		₨ 33,889.2	$ 490	₨ 34,286.1
[1]	includes accrued expenses and other liabilities Rs. 3,400.5 million and Rs. 4,310.4 million as at March 31, 2018 and March 31, 2019, respectively.

Tax Effects of Significant Te_2

Tax Effects of Significant Temporary Differences (Parenthetical) (Detail) - INR (₨) ₨ in Millions	Mar. 31, 2019	Mar. 31, 2018
Schedule of Deferred Income Tax Assets and Liabilities [Line Items]
Deferred tax assets, accrued expenses and other liabilities	₨ 4,310.4	₨ 3,400.5

Income Taxes - Additional Infor

Income Taxes - Additional Information (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)	Mar. 31, 2018USD ($)	Mar. 31, 2017INR (₨)
Income Taxes [Line Items]
Total unrecognized tax benefit	₨ 14,448.1	$ 208.9	₨ 648.3	$ 9.4	₨ 648.3
The total unrecognized tax benefits, if recognized, that would reduce the tax and thereby affect the effective tax rate	14,448.1
Unrocognized tax liabilities	₨ 0

Reconciliation of Beginning and

Reconciliation of Beginning and Ending Balance of Unrecognized Tax Benefits (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Income Tax Contingency [Line Items]
Opening balance	₨ 648.3	$ 9.4	₨ 648.3
Increase/(decrease) related to prior year tax positions	13,799.8	199.5	0
Closing balance	₨ 14,448.1	$ 208.9	₨ 648.3

Stock-Based Compensation - Addi

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

Feb. 02, 2019shares

Sep. 29, 2018shares

Sep. 01, 2018shares

Aug. 04, 2017shares

Apr. 21, 2017shares

Mar. 31, 2019INR (₨)₨ / sharesshares

Mar. 31, 2019USD ($)

Mar. 31, 2018INR (₨)₨ / sharesshares

Mar. 31, 2017INR (₨)

Jul. 31, 2016INR (₨)shares

Jun. 30, 2013INR (₨)shares

Jun. 30, 2010INR (₨)shares

Jun. 30, 2007INR (₨)shares

Jun. 30, 2005INR (₨)shares

Jun. 30, 2003INR (₨)shares

Jan. 31, 2000INR (₨)shares

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

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

₨ 0

₨ 28.8

₨ 140.7

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

33,117.4

34,123.2

26,951.4

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

0.6

0.6

Stock-based compensation, aggregate intrinsic value of options outstanding

65,091.1

63,062

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

0.2

0

Stock-based compensation, aggregate intrinsic value of options exercisable

52,441.6

46,092.3

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

₨ 5,343.3

$ 77.3

₨ 6,594.6

₨ 8,203.2

Stock-based compensation, unvested options, outstanding | shares

28,001,550

28,633,550

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

₨ 1,867.2

₨ 1,293.5

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

₨ 0.3

₨ 0.6

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

12,649.5

16,969.6

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

₨ 7,065.9

₨ 4,168.8

Employees Stock Option Scheme

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

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

11 months 1 day

11 months 1 day

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

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

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

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

Employees Stock Option Scheme | Plan "G"

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

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

Scheme XXIX | Plan "G"

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

Stock-based compensation, options granted | shares

19,119,000

Scheme XXX | Plan "G"

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

Stock-based compensation, options granted | shares

440,000

Scheme XXVII | Plan "F"

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

Stock-based compensation, options granted | shares

16,865,850

Scheme XXVIII | Plan "F"

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

Stock-based compensation, options granted | shares

16,200

Scheme Thirty One [Member] | Plan "G"

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

Stock-based compensation, options granted | shares

336,000

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, 2019	Mar. 31, 2018	Mar. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Dividend yield			0.00%
Expected volatility			0.00%
Risk-free interest rate, lower range	7.23%	6.73%	0.00%
Risk-free interest rate, upper range	8.31%	7.20%
Expected term (in years)			0 years
Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Dividend yield	0.62%	0.65%	0.00%
Expected volatility	14.53%	19.94%	0.00%
Risk-free interest rate, lower range			0.00%
Expected term (in years)	2 years 9 months 10 days	4 years 7 months 28 days	0 years
Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Dividend yield	0.65%	0.66%
Expected volatility	18.68%	21.65%
Risk-free interest rate, upper range			0.00%
Expected term (in years)	5 years 1 month 28 days	6 years 21 days

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, 2019	Mar. 31, 2018	Mar. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options available to be granted, beginning of period	117,841,600	133,673,650	31,534,850
Equity shares allocated for grant under the plan	0	0	100,000,000
Options granted	(19,895,000)	(16,882,050)	0
Forfeited/lapsed	3,260,085	1,050,000	2,138,800
Options available to be granted, end of period	101,206,685	117,841,600	133,673,650

Activity in Options Outstanding

Activity in Options Outstanding under Employee Stock Option Scheme, Employees Stock Option Schemes (Detail) - Employees Stock Option Scheme - ₨ / shares	12 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2017
Options
Options outstanding, beginning of period	75,443,800	92,156,300	128,654,300
Granted	19,895,000	16,882,050	0
Exercised	(23,772,304)	(32,544,550)	(34,359,200)
Forfeited	(3,205,385)	(986,800)	(1,992,500)
Lapsed	(54,700)	(63,200)	(146,300)
Options outstanding, end of period	68,306,411	75,443,800	92,156,300
Options exercisable, end of period	40,304,861	46,810,250	56,314,000
Weighted Average Exercise Price
Options outstanding, beginning of period	₨ 1,050.22	₨ 904.97	₨ 840.19
Granted	2,060.47	1,433.23	0
Exercised	925.79	837.59	658.20
Forfeited	1,518.42	1,055.59	981.44
Lapsed	837.10	963.45	857.61
Options outstanding, end of period	1,365.97	1,050.22	904.97
Options exercisable, end of period	1,017.78	901.44	835.06
Weighted average fair value of options granted during the year	₨ 525.57	₨ 464.17	₨ 0

Stock Options Outstanding, Empl

Stock Options Outstanding, Employees Stock Option Schemes (Detail) - Employees Stock Option Scheme	12 Months Ended
	Mar. 31, 2019₨ / sharesshares	Mar. 31, 2019₨ / shares$ / sharesshares	Mar. 31, 2018₨ / sharesshares	Mar. 31, 2017₨ / sharesshares	Mar. 31, 2016₨ / sharesshares
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Number Of Shares Arising Out Of Options | shares	68,306,411	68,306,411	75,443,800	92,156,300	128,654,300
Weighted Average Exercise Price	₨ 1,365.97	₨ 1,365.97	₨ 1,050.22	₨ 904.97	₨ 840.19
Plan ''C''
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Range of exercise price, Lower Range | (per share)	680	₨ 9.83
Range of exercise price, Upper Range | (per share)	₨ 835.50	₨ 12.08
Number Of Shares Arising Out Of Options | shares	1,537,400	1,537,400
Weighted Average Remaining Life	10 months 13 days	10 months 13 days
Weighted Average Exercise Price	₨ 685.70	₨ 685.70
Plan ''D''
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Range of exercise price | (per share)	₨ 680	₨ 9.83
Number Of Shares Arising Out Of Options | shares	659,900	659,900
Weighted Average Remaining Life	11 months 19 days	11 months 19 days
Weighted Average Exercise Price	₨ 680	₨ 680
Plan "E"
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Range of exercise price | $ / shares		₨ 9.83
Range of exercise price, Lower Range	₨ 680
Number Of Shares Arising Out Of Options | shares	2,498,700	2,498,700
Weighted Average Remaining Life	11 months 15 days	11 months 15 days
Weighted Average Exercise Price	₨ 680	₨ 680
Plan "F"
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Range of exercise price, Lower Range | (per share)	835.50	₨ 12.08
Range of exercise price, Upper Range | (per share)	₨ 1,462.15	₨ 21.14
Number Of Shares Arising Out Of Options | shares	44,238,411	44,238,411
Weighted Average Remaining Life	2 years 8 months 15 days	2 years 8 months 15 days
Weighted Average Exercise Price	₨ 1,134.48	₨ 1,134.48
Plan "G"
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Range of exercise price, Lower Range | (per share)	2,006.05	₨ 29.01
Range of exercise price, Upper Range | (per share)	₨ 2,090.45	₨ 30.23
Number Of Shares Arising Out Of Options | shares	19,372,000	19,372,000
Weighted Average Remaining Life	3 years 6 months 25 days	3 years 6 months 25 days
Weighted Average Exercise Price	₨ 2,060.45	₨ 2,060.45

Retirement Benefits - Additiona

Retirement Benefits - Additional Information (Detail) $ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)	Mar. 31, 2017INR (₨)
Superannuation
Defined Benefit Plan Disclosure [Line Items]
Defined contribution plan, employer annual contribution as a percentage of eligible annual salary	13.00%	13.00%
Defined contribution plan, employer contribution recognized as an expense	₨ 1,034,100,000		₨ 676,800,000	₨ 786,700,000
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%	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%	12.00%
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%	8.33%
Provident Fund Administered by Regional Provident Fund Commissioner | Maximum
Defined Benefit Plan Disclosure [Line Items]
Employer contributions	₨ 15,000
Provident Fund and Regional Provident Fund Commissioner
Defined Benefit Plan Disclosure [Line Items]
Defined contribution plan, employer contribution recognized as an expense	3,312,100,000		3,081,400,000	₨ 2,920,000,000
National Pension Scheme [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined contribution plan, employer contribution recognized as an expense	₨ 32,700,000		27,600,000
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	15 days
Defined benefit plan, vesting period	5 years	5 years
Defined benefit plan, expected contribution to the plan for the next fiscal year	₨ 1,096,800,000
Defined benefit plan, accumulated benefit obligation	3,777,300,000		3,363,100,000
Employer contributions	1,023,700,000	$ 14.8	842,200,000
Gratuity | Vested accumulated benefit obligation
Defined Benefit Plan Disclosure [Line Items]
Defined benefit plan, accumulated benefit obligation	3,292,400,000		3,032,900,000
Pension
Defined Benefit Plan Disclosure [Line Items]
Defined benefit plan, expected contribution to the plan for the next fiscal year	140,500,000
Defined benefit plan, accumulated benefit obligation	468,300,000		502,100,000
Employer contributions	8,800,000	$ 0.1	9,400,000
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	₨ 455,500,000		₨ 473,700,000

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, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)	Mar. 31, 2017INR (₨)	Mar. 31, 2019USD ($)
Change in benefit obligations:
Projected benefit obligation ("PBO"), beginning of the period	₨ 5,975.5	$ 86.4	₨ 5,225.6
Service cost	820.6	11.9	741	₨ 860.6
Interest cost	476.7	6.9	392.2	454.6
Actuarial(gains)/ losses	(46.4)	(0.7)	97.8
Benefits paid	(572.9)	(8.3)	(481.1)
Projected benefit obligation, end of the period	6,653.5	96.2	5,975.5	5,225.6
Change in plan assets:
Fair value of plan assets, beginning of the period	4,573.4	66.1	3,902.2
Expected return on plan assets	347.4	5	297.4	389.7
Actuarial gains/(losses)	130.2	1.9	12.7
Actual return on plan assets	477.6	6.9	310.1
Employer contributions	1,023.7	14.8	842.2
Benefits paid	(572.9)	(8.3)	(481.1)
Fair value of plan assets, end of the period	5,501.8	$ 79.5	4,573.4	₨ 3,902.2
Funded Status	₨ (1,151.7)		₨ (1,402.1)		$ (16.7)

Net Gratuity Cost (Detail)

Net Gratuity Cost (Detail) - Gratuity ₨ in Millions, $ in Millions		12 Months Ended
		Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)	Mar. 31, 2017INR (₨)
Defined Benefit Plan Disclosure [Line Items]
Service cost		₨ 820.6	$ 11.9	₨ 741	₨ 860.6
Interest cost		476.7	6.9	392.2	454.6
Expected return on plan assets		(347.4)	(5)	(297.4)	(389.7)
Actuarial (gains)/losses		(176.6)	(2.6)	85.1	287.6
Net gratuity cost	[1]	₨ 773.3	$ 11.2	₨ 920.9	₨ 1,213.1
[1]	Effective April 1, 2018, the Bank adopted ASU 2017-07 Compensation- Retirement Benefits (Topic 715) -Improving the Presentation of Net Periodic Pension Cost and Net Periodic Postretirement Benefit Cost. Accordingly, service cost is reported in the Consolidated Statements of Income in line Non-interest expense-salaries and staff benefits and other components of net benefit cost is reported in the Consolidated Statements of Income in line Non-interest expense -Administrative and other. The amendments have been applied retrospectively.

Assumptions Used in Accounting

Assumptions Used in Accounting for Gratuity Plan (Detail) - Gratuity		12 Months Ended
		Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2017
Minimum
Defined Benefit Plan Disclosure [Line Items]
Discount rate - benefit obligations	[1]	7.20%	7.40%	6.80%
Discount rate - net periodic benefit cost	[1]	7.20%	7.40%	6.80%
Rate of increase in compensation levels of covered employees		5.00%	5.00%	5.00%
Rate of return on plan assets		7.00%	7.00%	7.00%
Maximum
Defined Benefit Plan Disclosure [Line Items]
Discount rate - benefit obligations	[1]	8.40%	8.00%	8.10%
Discount rate - net periodic benefit cost	[1]	8.40%	8.00%	8.10%
Rate of increase in compensation levels of covered employees		9.00%	11.00%	12.00%
Rate of return on plan assets		7.20%	8.00%	7.60%
[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, 2019INR (₨)
Benefit payments
2020	₨ 847.8
2021	713.9
2022	604.1
2023	527.1
2024	470.2
2025 - 2029	₨ 1,906.5

Plan Assets as Percentage of To

Plan Assets as Percentage of Total Funds (Detail) - Gratuity	Mar. 31, 2019
Funds managed by insurance company (1)
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	100.00%	[1]
Funds managed by insurance company (1) | Government Securities
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	76.90%	[1]
Funds managed by insurance company (1) | Debenture and bonds
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	17.30%	[1]
Funds managed by insurance company (1) | Equity securities
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	5.50%	[1]
Funds managed by insurance company (1) | Other
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	0.30%	[1]
Funds managed by insurance company (2)
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	100.00%	[1]
Funds managed by insurance company (2) | Government Securities
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	15.70%	[1]
Funds managed by insurance company (2) | Debenture and bonds
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	29.50%	[1]
Funds managed by insurance company (2) | Equity securities
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	53.30%	[1]
Funds managed by insurance company (2) | Other
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	1.50%	[1]
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	36.00%
Funds managed by trust | Debenture and bonds
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	48.80%
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	15.20%
[1]	The data pertaining to plan investment assets measured at fair value by level and total at March 31, 2019 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, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)	Mar. 31, 2017INR (₨)	Mar. 31, 2019USD ($)
Change in benefit obligations:
Projected benefit obligation ("PBO"), beginning of the period	₨ 722.8	$ 10.5	₨ 722.2
Service cost	7.7	0.1	7.6	₨ 12.9
Interest cost	66.3	1	57.9	53.4
Actuarial (gains)/losses	6.5	0.1	22.6
Benefits paid	(125.7)	(1.8)	(87.5)
Projected benefit obligation, end of the period	677.6	9.9	722.8	722.2
Change in plan assets:
Fair value of plan assets, beginning of the period	313	4.5	361.6
Expected return on plan assets	18.6	0.3	23.6	26.1
Actuarial gains/(losses)	4.8	0.1	5.9
Actual return on plan assets	23.4	0.4	29.5
Employer contributions	8.8	0.1	9.4
Benefits paid	(125.7)	(1.8)	(87.5)
Fair value of plan assets, end of the period	219.5	$ 3.2	313	₨ 361.6
Funded Status	₨ (458.1)		₨ (409.8)		$ (6.7)

Net Pension Cost (Detail)

Net Pension Cost (Detail) - Pension ₨ in Millions, $ in Millions		12 Months Ended
		Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)	Mar. 31, 2017INR (₨)
Defined Benefit Plan Disclosure [Line Items]
Service cost		₨ 7.7	$ 0.1	₨ 7.6	₨ 12.9
Interest cost		66.3	1	57.9	53.4
Expected return on plan assets		(18.6)	(0.3)	(23.6)	(26.1)
Actuarial (gains)/losses		1.7	0	16.7	17.7
Net pension cost	[1]	₨ 57.1	$ 0.8	₨ 58.6	₨ 57.9
[1]	Effective April 1, 2018, the Bank adopted ASU 2017-07 Compensation- Retirement Benefits (Topic 715) -Improving the Presentation of Net Periodic Pension Cost and Net Periodic Postretirement Benefit Cost. Accordingly, service cost is reported in the Consolidated Statements of Income in line Non-interest expense-salaries and staff benefits and other components of net benefit cost is reported in the Consolidated Statements of Income in line Non-interest expense -Administrative and other. The amendments have been applied retrospectively.

Assumptions Used in Accountin_2

Assumptions Used in Accounting for Pension Plan (Detail) - Pension		12 Months Ended
		Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2017
Defined Benefit Plan Disclosure [Line Items]
Discount rate - benefit obligations	[1]	8.40%	8.00%	8.10%
Discount rate - net periodic benefit cost	[1]	8.40%	8.00%	8.10%
Rate of increase in compensation levels of covered employees		8.00%	8.00%	8.00%
Rate of return on plan assets		7.00%	7.00%	7.00%
[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, 2019INR (₨)
Benefit payments
2020	₨ 107.7
2021	97.5
2022	54.2
2023	26.6
2024	42.8
2025-2029	₨ 117.5

Weighted-Average Asset Allocati

Weighted-Average Asset Allocation of Said Plan Assets for Pension Benefits (Detail) - Pension	Mar. 31, 2019
Funds managed by trust
Weighted-average asset allocation	100.00%
Government Securities
Funds managed by trust
Weighted-average asset allocation	8.50%
Debenture and bonds
Funds managed by trust
Weighted-average asset allocation	91.50%
Other
Funds managed by trust
Weighted-average asset allocation	0.00%

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, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
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	₨ 37.1	$ 0.5	₨ 90.7
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) | Government Securities Managed by Trust
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) | Debenture and Bonds Managed by Trust
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) | Other Funds Managed by Trust
Defined Benefit Plan Disclosure [Line Items]
Plan investment assets at fair value	37.1		90.7
Fair Value Measurements Using Significant other observable inputs (Level 2)
Defined Benefit Plan Disclosure [Line Items]
Plan investment assets at fair value	5,059.2	73.2	4,275.8
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	4,632.5		3,797.4
Fair Value Measurements Using Significant other observable inputs (Level 2) | Government Securities Managed by Trust
Defined Benefit Plan Disclosure [Line Items]
Plan investment assets at fair value	106.6		106
Fair Value Measurements Using Significant other observable inputs (Level 2) | Debenture and Bonds Managed by Trust
Defined Benefit Plan Disclosure [Line Items]
Plan investment assets at fair value	320.1		372.4
Fair Value Measurements Using Significant other observable inputs (Level 2) | Other Funds Managed by Trust
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	625	$ 9	519.9
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	625		519.9
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) | Government Securities Managed by Trust
Defined Benefit Plan Disclosure [Line Items]
Plan investment assets at fair value	0		0
Fair Value Measurements Using Significant unobservable inputs (Level 3) | Debenture and Bonds Managed by Trust
Defined Benefit Plan Disclosure [Line Items]
Plan investment assets at fair value	0		0
Fair Value Measurements Using Significant unobservable inputs (Level 3) | Other Funds Managed by Trust
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, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Defined Benefit Plan Disclosure [Line Items]
Beginning balance	₨ 519.9	$ 7.5	₨ 457.7
Realized interest credited to fund	36.7	0.5	40.6
Contribution during the period	88.6	1.3	93.2
Amount paid towards claim	(20.2)	(0.3)	(71.6)
Ending Balance	₨ 625	$ 9	₨ 519.9

Aggregate Notional Principal Am

Aggregate Notional Principal Amounts of Bank's Outstanding Forward Exchange and Derivative Contracts (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Derivatives, Fair Value [Line Items]
Notional	₨ 9,200,867.7	$ 133,037.4	₨ 7,827,363.5
Gross Assets	132,524.1	1,916.2	50,836.3
Gross Liabilities	128,449	1,857.3	56,124.7
Net Fair Value	4,075.1	58.9	(5,288.4)
Interest rate derivatives
Derivatives, Fair Value [Line Items]
Notional	3,159,867.1	45,689.2	3,084,700.1
Gross Assets	27,932		10,618.3
Gross Liabilities	27,102.8		9,520.9
Net Fair Value	829.2	12	1,097.4
Forward rate agreements
Derivatives, Fair Value [Line Items]
Notional	0	0	2,073.1
Gross Assets	0		2.5
Gross Liabilities	0		2.6
Net Fair Value	0	0	(0.1)
Currency options
Derivatives, Fair Value [Line Items]
Notional	282,096.9	4,078.9	234,613.3
Gross Assets	2,326.1		1,863.1
Gross Liabilities	2,617.2		2,361.6
Net Fair Value	(291.1)	(4.2)	(498.5)
Currency swaps
Derivatives, Fair Value [Line Items]
Notional	197,044.2	2,849.1	161,301.3
Gross Assets	5,841		4,929
Gross Liabilities	4,070.7		4,882.5
Net Fair Value	1,770.3	25.6	46.5
Forward exchange contracts
Derivatives, Fair Value [Line Items]
Notional	5,561,859.5	80,420.2	4,344,675.7
Gross Assets	96,425		33,423.4
Gross Liabilities	94,658.3		39,357.1
Net Fair Value	₨ 1,766.7	$ 25.5	₨ (5,933.7)

Information Related to Derivati

Information Related to Derivative Amounts Recognized in Income (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)	Mar. 31, 2017INR (₨)
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives gain/(loss), net	₨ 12,409.1	$ 179.4	₨ 6,742.6	₨ (5,738.5)
Interest rate derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives gain/(loss), net	736.4	10.6	1,027.5	399.3
Forward rate agreements
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives gain/(loss), net	0.1	0	0.5	1.2
Currency options
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives gain/(loss), net	(262.5)	(3.8)	(15)	677.7
Currency swaps
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives gain/(loss), net	1,045	15.1	(1,706.9)	(2,453.4)
Forward exchange contracts
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives gain/(loss), net	₨ 10,890.1	$ 157.5	₨ 7,436.5	₨ (4,363.3)

Amounts Subject to Enforceable

Amounts Subject to Enforceable Netting Arrangements (Detail) ₨ in Millions, $ in Millions		Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Derivative [Line Items]
Derivative assets, gross amounts		₨ 132,524.1	$ 1,916.2	₨ 50,836.3
Derivative assets, amounts offset		0		0
Derivative assets, net amounts reported in the balance sheet		132,524.1		50,836.3
Derivative assets, financial instruments		104,025.7		34,782.9
Derivative assets, financial collateral	[1]	2,651.7		4,297
Derivative assets, net amount		25,846.7	373.7	11,756.4
Securities purchased under agreements to resell, gross amounts		76,213.5	1,102	650,018.6
Securities purchased under agreements to resell, amounts offset		0		0
Securities purchased under agreements to resell, net amounts reported in the balance sheet		76,213.5		650,018.6
Securities purchased under agreements to resell, financial instruments		0		0
Securities purchased under agreements to resell, financial collateral	[1]	76,213.5		650,018.6
Securities purchased under agreements to resell, net amount		0		0
Derivative liabilities, gross amounts		128,449	1,857.3	56,124.7
Securities purchased under agreements to resell, net amount		0		0
Derivative liabilities, amounts offset		0		0
Derivative liabilities, net amounts reported in the balance sheet		128,449		56,124.7
Derivative liabilities, financial instruments		104,025.7		34,782.9
Derivative liabilities, financial collateral	[1]	3,098.1		378.3
Derivative liabilities, net amount		21,325.2	308.3	20,963.5
Securities sold under repurchase agreements, gross amounts		174,000	2,515.9	138,000
Securities sold under repurchase agreements, amounts offset		0		0
Securities sold under repurchase agreements, net amounts reported in the balance sheet		174,000		138,000
Securities sold under repurchase agreements, financial instruments		0		0
Securities sold under repurchase agreements, financial collateral	[1]	174,000		138,000
Securities sold under repurchase agreements, net amount		₨ 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.

Financial Instruments - Additio

Financial Instruments - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Financial Instruments [Line Items]
Estimated fair values of bank guarantees	₨ 4,046.1	$ 58.5	₨ 3,231.5
Margins in the form of cash and fixed deposit available to the bank to reimburse losses realized under guarantees	99,500		103,900
Outstanding Undrawn commitments to provide loans and financing to customers	452,900	6,500	452,000
Unconditional cancellable commitments	3,150,900	45,600	2,738,500
Guarantees
Financial Instruments [Line Items]
Guarantees, contingent liability recognized in terms of FASB ASC 450	2,589.5		2,545.2
Guarantees
Financial Instruments [Line Items]
Estimated fair values of bank guarantees	₨ 3,544.4	$ 51.2	₨ 2,825.4
Minimum
Financial Instruments [Line Items]
Remaining tenure of guarantees outstanding	1 day
Maximum
Financial Instruments [Line Items]
Remaining tenure of guarantees outstanding	26 years 7 months 6 days

Details of Guarantees and Docum

Details of Guarantees and Documentary Credits Outstanding (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Guarantor Obligations [Line Items]
Bank guarantees	₨ 1,015,442.1	$ 14,682.5	₨ 846,958.3
Estimated fair values of bank guarantees	(4,046.1)	(58.5)	(3,231.5)
Financial guarantees
Guarantor Obligations [Line Items]
Bank guarantees	254,075.9	3,673.7	237,417.3
Performance guarantees
Guarantor Obligations [Line Items]
Bank guarantees	285,748.4	4,131.7	214,088.3
Documentary credits
Guarantor Obligations [Line Items]
Bank guarantees	475,617.8	6,877.1	395,452.7
Estimated fair values of documentary credits	(501.7)	(7.3)	(406.1)
Guarantees
Guarantor Obligations [Line Items]
Estimated fair values of bank guarantees	₨ (3,544.4)	$ (51.2)	₨ (2,825.4)

Comparison of Fair Values and C

Comparison of Fair Values and Carrying Values of Financial Instruments (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Financial Assets:
Cash and due from banks, and restricted cash	₨ 734,872.6	$ 10,625.7	₨ 574,151
Investments held for trading	265,516.1	3,839.2	167,513.9
Investments available for sale debt securities	2,633,348.4	38,076.2	2,221,443.3
Securities purchased under agreements to resell	76,213.5	1,102	650,018.6
Loans	8,963,232.6	129,601.3	7,263,671.8
Accrued interest receivable	93,031.7	1,345.2	77,894.7
Other assets	344,873.6	4,986.6	248,805.3
Financial Liabilities :
Interest-bearing deposits	7,804,717.5	112,850.2	6,693,649.3
Non-interest-bearingdeposits	1,420,309.4	20,536.6	1,190,102.2
Securities sold under repurchase agreements	174,000	2,515.9	138,000
Short-term borrowings	654,058	9,457.2	779,201.7
Accrued interest payable	79,372.5	1,147.7	65,514.4
Long-term debt	1,044,553	15,103.4	932,906.3
Accrued expenses and other liabilities	366,071.3	5,293.1	301,871
Financial Assets:
Cash and due from banks, and restricted cash	734,872.6	10,625.7	574,151
Investments held for trading	265,516.1	3,839.2	167,513.9
Investments available for sale debt securities	2,633,348.4	38,076.2	2,221,443.3
Securities purchased under agreements to resell	76,213.5	1,102	650,018.6
Loans	8,972,057.7	129,729	7,296,375.8
Accrued interest receivable	93,031.7	1,345.2	77,894.7
Other assets	343,157.6	4,961.8	247,149.9
Financial Liabilities :
Securities sold under repurchase agreements	174,000	2,515.9	138,000
Short-term borrowings	655,215.2	9,473.9	779,418.7
Accrued interest payable	79,372.5	1,147.7	65,514.4
Long-term debt	1,061,687	15,351.2	943,813.5
Accrued expenses and other liabilities	366,071.3	5,293.1	301,871
Interest Bearing Deposits Liabilities
Financial Liabilities :
Interest-bearing deposits	7,826,794	113,169.4	6,716,360.3
Non-interest-bearing deposits
Financial Liabilities :
Interest-bearing deposits	1,420,309.4	$ 20,536.6	1,190,102.2
Fair Value Measurements Using Quoted Prices In Active Markets for Identical Assets (Level 1)
Financial Assets:
Investments held for trading			3,652.4
Financial Assets:
Cash and due from banks, and restricted cash	734,872.6		574,151
Investments held for trading	1,999.6		3,652.4
Investments available for sale debt securities	34,807.2		4,009.7
Securities purchased under agreements to resell	0		0
Loans	0		0
Accrued interest receivable	0		0
Other assets	2,390.1		559.3
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) | Interest Bearing Deposits Liabilities
Financial Liabilities :
Interest-bearing deposits	0		0
Fair Value Measurements Using Quoted Prices In Active Markets for Identical Assets (Level 1) | Non-interest-bearing deposits
Financial Liabilities :
Interest-bearing deposits	0		0
Fair Value Measurements Using Significant other observable inputs (Level 2)
Financial Assets:
Investments held for trading			163,861.5
Financial Assets:
Cash and due from banks, and restricted cash	0		0
Investments held for trading	263,516.5		163,861.5
Investments available for sale debt securities	2,559,728.3		2,198,899
Securities purchased under agreements to resell	76,213.5		650,018.6
Loans	2,593,533.9		2,078,100
Accrued interest receivable	93,031.7		77,894.7
Other assets	340,767.5		246,590.6
Financial Liabilities :
Securities sold under repurchase agreements	174,000		138,000
Short-term borrowings	655,215.2		779,418.7
Accrued interest payable	79,372.5		65,514.4
Long-term debt	1,061,687		943,813.5
Accrued expenses and other liabilities	366,071.3		301,871
Fair Value Measurements Using Significant other observable inputs (Level 2) | Interest Bearing Deposits Liabilities
Financial Liabilities :
Interest-bearing deposits	7,826,794		6,716,360.3
Fair Value Measurements Using Significant other observable inputs (Level 2) | Non-interest-bearing deposits
Financial Liabilities :
Interest-bearing deposits	1,420,309.4		1,190,102.2
Fair Value Measurements Using Significant unobservable inputs (Level 3)
Financial Assets:
Investments held for trading			0
Financial Assets:
Cash and due from banks, and restricted cash	0		0
Investments held for trading	0		0
Investments available for sale debt securities	38,812.9		18,534.6
Securities purchased under agreements to resell	0		0
Loans	6,378,523.8		5,218,275.8
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) | Interest Bearing Deposits Liabilities
Financial Liabilities :
Interest-bearing deposits	0		0
Fair Value Measurements Using Significant unobservable inputs (Level 3) | Non-interest-bearing deposits
Financial Liabilities :
Interest-bearing deposits	₨ 0		₨ 0

Segment Information - Additiona

Segment Information - Additional Information (Detail)	12 Months Ended
	Mar. 31, 2019Segment
Reportable segments	3

Summarized Segment Information

Summarized Segment Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)	Mar. 31, 2017INR (₨)	Mar. 31, 2019USD ($)
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)	₨ 507,505.6	$ 7,338.1	₨ 423,150.6	₨ 351,795.6
Less: Provision for credit losses	72,279.3	1,045.1	59,397.8	37,951.4
Net interest revenue, after allowance for credit losses	435,226.3	6,293	363,752.8	313,844.2
Non-interest revenue	160,122.2	2,315.2	144,607	110,326.1
Non-interest expense	(255,389.5)	(3,692.7)	(231,253.4)	(204,204.8)
Income before income tax expense	339,959	4,915.5	277,106.4	219,965.5
Income tax expense	119,393.5	1,726.3	98,272.5	79,224.9
Segment assets:
Segment total assets	13,280,073.6		11,367,308.8	9,066,980.5	$ 192,019.7
Operating Segments
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)	507,505.6	7,338.1	423,150.6	351,795.6
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)	399,016.2		344,888.5	286,772.9
Less: Provision for credit losses	64,051		52,577.1	31,341.7
Net interest revenue, after allowance for credit losses	334,965.2		292,311.4	255,431.2
Non-interest revenue	138,783		122,582.6	95,914.4
Non-interest expense	(230,726.5)		(210,257.2)	(187,591.4)
Income before income tax expense	243,021.7		204,636.8	163,754.2
Segment assets:
Segment total assets	7,432,733.8		6,351,601.7	4,987,187.1
Retail Banking | Operating Segments
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)	336,677.1		279,198.3	188,803.6
Retail Banking | Net interest income (Internal)
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)	62,339.1		65,690.2	97,969.3
Wholesale Banking
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)	96,242.2		71,770.2	58,886.8
Less: Provision for credit losses	8,228.3		6,820.7	6,609.7
Net interest revenue, after allowance for credit losses	88,013.9		64,949.5	52,277.1
Non-interest revenue	23,789.6		12,674.1	11,090.1
Non-interest expense	(22,744.8)		(19,792.1)	(15,352)
Income before income tax expense	89,058.7		57,831.5	48,015.2
Segment assets:
Segment total assets	4,732,290.7		4,140,606.7	3,346,273
Wholesale Banking | Operating Segments
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)	140,085		120,341.3	159,644.3
Wholesale Banking | Net interest income (Internal)
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)	(43,842.8)		(48,571.1)	(100,757.5)
Treasury Services
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)	12,247.2		6,491.9	6,135.9
Less: Provision for credit losses	0		0	0
Net interest revenue, after allowance for credit losses	12,247.2		6,491.9	6,135.9
Non-interest revenue	(2,450.4)		9,350.3	3,321.6
Non-interest expense	(1,918.2)		(1,204.1)	(1,261.4)
Income before income tax expense	7,878.6		14,638.1	8,196.1
Segment assets:
Segment total assets	1,115,049.1		875,100.4	733,520.4
Treasury Services | Operating Segments
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)	30,743.5		23,611	3,347.7
Treasury Services | Net interest income (Internal)
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)	₨ (18,496.3)		₨ (17,119.1)	₨ 2,788.2

Commitments and Contingencies -

Commitments and Contingencies - Additional Information (Detail) - INR (₨) ₨ in Millions	Mar. 31, 2019	Mar. 31, 2018
Loss Contingencies [Line Items]
Capital commitments, estimated amounts of contracts remaining to be executed on the capital account	₨ 5,503.6	₨ 5,196.7
Indirect Taxes And Other Claims
Loss Contingencies [Line Items]
Contingencies, estimated possible loss	₨ 8,936.3	₨ 8,398.3

Rental Expenses and Sub-Lease I

Rental Expenses and Sub-Lease Income (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)	Mar. 31, 2017INR (₨)
Operating Leased Assets [Line Items]
The total minimum lease expense during the year recognized in the consolidated statement of income	₨ 12,700.8	$ 183.6	₨ 12,311.3	₨ 11,548.5

Future Minimum Lease Payments (

Future Minimum Lease Payments (Detail) - Mar. 31, 2019 ₨ in Millions, $ in Millions	INR (₨)	USD ($)
Operating Leased Assets [Line Items]
2020	₨ 10,538.6	$ 152.4
2021	9,921.4	143.5
2022	9,100.7	131.6
2023	8,137.3	117.7
2024	7,104.2	102.7
Thereafter	41,090.6	594.1
Total	₨ 85,892.8	$ 1,242

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, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Valuation and Qualifying Accounts Disclosure [Line Items]
Opening provision of reward points	₨ 4,711.2	$ 68.1	₨ 4,312.4
Provision made during the year	3,747.3	54.2	2,650.9
Utilization/write back of provision	(2,555.9)	(37)	(2,220.7)
Closing provision of reward points	6,030.9	87.1	4,711.2
Change in Rate of Accrual of Reward Points
Valuation and Qualifying Accounts Disclosure [Line Items]
Effect of change in rate of accrual of points/cost of reward	91.5	1.3	1.3
Change in Cost of Reward Points
Valuation and Qualifying Accounts Disclosure [Line Items]
Effect of change in rate of accrual of points/cost of reward	₨ 36.8	$ 0.5	₨ (32.7)

Balances Payable to Related Par

Balances Payable to Related Parties (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Related Party Transaction [Line Items]
Balances in non-interest-bearing deposits	₨ 1,420,309.4	$ 20,536.6	₨ 1,190,102.2
Balances in interest-bearing deposits	7,804,717.5	112,850.2	6,693,649.3
Principal Owner
Related Party Transaction [Line Items]
Balances in non-interest-bearing deposits	32,176.8		21,758
Balances in interest-bearing deposits	733.1		10,749.7
Accrued expenses and other liabilities	836.4		327.8
Total	33,746.3		32,835.5
Others
Related Party Transaction [Line Items]
Balances in non-interest-bearing deposits	14,170.1		11,771.8
Balances in interest-bearing deposits	1,732.9		1,905
Accrued expenses and other liabilities	0
Total	15,903		13,676.8
Related Party
Related Party Transaction [Line Items]
Balances in non-interest-bearing deposits	46,346.9	670.1	33,529.8
Balances in interest-bearing deposits	2,466	35.7	12,654.7
Accrued expenses and other liabilities	836.4	12.1	327.8
Total	₨ 49,649.3	$ 717.9	₨ 46,512.3

Balances Receivable from Relate

Balances Receivable from Related Parties (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Related Party Transaction [Line Items]
Loans	₨ 33.9	$ 0.5	₨ 55
Other assets	1,784.9	25.8	2,605.4
Total	1,818.8	$ 26.3	2,660.4
Principal Owner
Related Party Transaction [Line Items]
Loans	0		0
Other assets	310.2		288.1
Total	310.2		288.1
Others
Related Party Transaction [Line Items]
Loans	33.9		55
Other assets	1,474.7		2,317.3
Total	₨ 1,508.6		₨ 2,372.3

Related Party Transactions - Ad

Related Party Transactions - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)	Mar. 31, 2017INR (₨)	Mar. 31, 2019USD ($)
Related Party Transaction [Line Items]
Purchase of investments from others	₨ 6,490.7		₨ 4,565.9
Sale of investments from others	22,236.2		5,099.3
Investments of others	320,093.6	$ 4,628.3	425,517.1	₨ 335,048.9
Dividend paid to principal owner	41,015.2	$ 593	34,490.3	₨ 29,280.9
Foreign exchange and derivative contracts, notional principal amount	9,200,867.7		7,827,363.5		$ 133,037.4
Bank guarantees	1,015,442.1		846,958.3		$ 14,682.5
Tier II bonds
Related Party Transaction [Line Items]
Investments of others	250		250
Principal Owner
Related Party Transaction [Line Items]
Fixed assets Purchased from related parties	0		0
Loans purchased from principal owner	239,824.2		56,239.4
Dividend paid to principal owner	5,111.7		4,325.3
Foreign exchange and derivative contracts, notional principal amount	58,655		59,721.4
Foreign exchange and derivative contracts, mark to market gains	143.1		87.7
Subscribed debt securities	6,850		21,050
Bank guarantees	3.7		2.5
Others
Related Party Transaction [Line Items]
Bank guarantees	₨ 1,127.4		₨ 857.4

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, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)	Mar. 31, 2017INR (₨)
Related Party Transaction [Line Items]
Interest expense-Deposits	₨ (192.9)	$ (2.8)	₨ (175.5)	₨ (173.4)
Non-Interest Revenue-Fees and Commissions
Related Party Transaction [Line Items]
Related party transaction revenues	17,388	251.4	17,556.2	12,430.9
Interest and Dividend Revenue
Related Party Transaction [Line Items]
Related party transaction revenues	1,901.7	27.5	1,529.7	37.2
Administrative and other expense
Related Party Transaction [Line Items]
Related party transaction non-interest expense	(7,680)	(111)	(6,298.7)	(4,987.9)
Premises and equipment expense
Related Party Transaction [Line Items]
Related party transaction non-interest expense	(37.3)	$ (0.5)	(27.4)	(33)
Principal Owner
Related Party Transaction [Line Items]
Interest expense-Deposits	(54.9)		(59.6)	(55.7)
Principal Owner | Non-Interest Revenue-Fees and Commissions
Related Party Transaction [Line Items]
Related party transaction revenues	2,829.7		2,642.7	2,074.5
Principal Owner | Interest and Dividend Revenue
Related Party Transaction [Line Items]
Related party transaction revenues	352		132.8	0
Principal Owner | Administrative and other expense
Related Party Transaction [Line Items]
Related party transaction non-interest expense	(4,838.3)		(4,031.9)	(3,405.7)
Principal Owner | Premises and equipment expense
Related Party Transaction [Line Items]
Related party transaction non-interest expense	(31.2)		(19.8)	(25.3)
Others
Related Party Transaction [Line Items]
Interest expense-Deposits	(138)		(115.9)	(117.7)
Others | Non-Interest Revenue-Fees and Commissions
Related Party Transaction [Line Items]
Related party transaction revenues	14,558.3		14,913.5	10,356.4
Others | Interest and Dividend Revenue
Related Party Transaction [Line Items]
Related party transaction revenues	1,549.7		1,396.9	37.2
Others | Administrative and other expense
Related Party Transaction [Line Items]
Related party transaction non-interest expense	(2,841.7)		(2,266.8)	(1,582.2)
Others | Premises and equipment expense
Related Party Transaction [Line Items]
Related party transaction non-interest expense	₨ (6.1)		₨ (7.6)	₨ (7.7)

Earnings Per Equity Share - Add

Earnings Per Equity Share - Additional Information (Detail) - shares shares in Millions	12 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
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	0	0

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, 2019	Mar. 31, 2018	Mar. 31, 2017
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	2,680,034,029	2,580,538,505	2,544,333,609
Effect of potential equity shares for stock options outstanding	26,792,948	33,400,121	31,017,917
Weighted average number of equity shares used in computing diluted earnings per equity share	2,706,826,977	2,613,938,626	2,575,351,526

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, 2019₨ / shares	Mar. 31, 2019$ / shares	Mar. 31, 2018₨ / shares	Mar. 31, 2017₨ / shares
Earnings Per Share Disclosure [Line Items]
Basic earnings per share | (per share)	₨ 82.13	$ 1.19	₨ 69.18	₨ 55.23
Effect of potential equity shares for stock options outstanding | (per share)	0.82	0.01	0.89	0.66
Diluted earnings per share | (per share)	81.31	1.18	68.29	54.57
Basic earnings per share | (per share)	246.39	3.57	207.54	165.69
Diluted earnings per share | (per share)	243.93	3.54	204.87	163.71
American Depository Shares | Stock Compensation Plan
Earnings Per Share Disclosure [Line Items]
Effect of potential equity shares for stock options outstanding | (per share)	₨ 2.46	$ 0.03	₨ 2.67	₨ 1.98

Regulatory Capital Requirements

Regulatory Capital Requirements under Banking Regulations- Dividend (Detail) - INR (₨) ₨ / shares in Units, ₨ in Millions	12 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Mar. 31, 2017
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	₨ 210,781.6
Dividends declared	₨ 15	₨ 13	₨ 11
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, 2019 cannot exceed 35% of net income of Rs. 210,781.6 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)	Dec. 01, 2016₨ / sharesshares	Mar. 31, 2019₨ / shares	Mar. 31, 2018₨ / shares
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]
Equity shares, par value		₨ 2	₨ 2
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%
Atlas Documentary Facilitators Company Private Ltd | HDB Financial Services Limited
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]
Equity shares, issued | shares	7,540,515
Equity shares, par value	₨ 10
Share exchange ratio	16.75
HBL Global Private Ltd | 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		98.00%
HBL Global Private Ltd | HDB Financial Services Limited
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]
Equity shares, issued | shares	20,470
Equity shares, par value	₨ 10
Share exchange ratio	102.35
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		96.10%	96.40%
HDFC Securities Ltd.
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]
The stake-holding of the Bank		97.60%	97.90%

Investments in Affiliates - Add

Investments in Affiliates - Additional Information (Detail) - INR (₨) ₨ in Millions	12 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Investments in and Advances to Affiliates [Line Items]
Maximum equity stake holdings in another company without prior approval of RBI	30.00%
Increase/ (decrease) in the carrying value in companies	₨ (2.3)	₨ 156

Investments in Affiliates (Deta

Investments in Affiliates (Detail) - Softcell Technologies Limited (''Softcell'') ₨ in Millions	12 Months Ended
	Mar. 31, 2019INR (₨)
Investments in and Advances to Affiliates [Line Items]
Type of Business	Business-to-business software services
HDFC Bank Limited and subsidiaries Investment	₨ 30.3
HDFC Bank Limited and Subsidiaries Ownership	14.00%
HDFC Group Ownership
Investments in and Advances to Affiliates [Line Items]
HDFC Bank Limited and Subsidiaries Ownership	26.00%

Investments in Affiliates (Pare

Investments in Affiliates (Parenthetical) (Detail)	Mar. 31, 2019
Computer Age Management Services Private Limited (''CAMS'')
Investments in and Advances to Affiliates [Line Items]
HDFC Bank Ltd. and subsidiaries Investment	6.50%
Computer Age Management Services Private Limited (''CAMS'') | HDFC Group Ownership
Investments in and Advances to Affiliates [Line Items]
HDFC Bank Ltd. and subsidiaries Investment	12.50%
International Asset Reconstruction Company Private Limited
Investments in and Advances to Affiliates [Line Items]
HDFC Bank Ltd. and subsidiaries Investment	19.20%

Investments Measured at Fair Va

Investments Measured at Fair Value on Recurring Basis (Detail) ₨ in Millions, $ in Millions		Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading account securities		₨ 265,516.1	$ 3,839.2	₨ 167,513.9
Securities Available-for-Sale				2,221,443.3
Equity securities	[1],[2]			559.3
Total			42,074.7	2,389,516.5
Fair Value Measurements Using Quoted Prices In Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading account securities				3,652.4
Securities Available-for-Sale				4,009.7
Equity securities	[1],[2]			559.3
Total			566.7	8,221.4
Fair Value Measurements Using Significant other observable inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading account securities				163,861.5
Securities Available-for-Sale				2,198,899
Equity securities	[1],[2]			0
Total			40,946.8	2,362,760.5
Fair Value Measurements Using Significant unobservable inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading account securities				0
Securities Available-for-Sale				18,534.6
Equity securities	[1],[2]			0
Total			$ 561.2	₨ 18,534.6
Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading account securities		265,516.1
Securities Available-for-Sale		2,633,348.4
Equity securities	[1],[2]	11,024
Total		2,909,888.5
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 and Nonrecurring Basis [Line Items]
Trading account securities		1,999.6
Securities Available-for-Sale		34,807.2
Equity securities	[1],[2]	2,390.1
Total		39,196.9
Fair Value, Measurements, Recurring | Fair Value Measurements Using Significant other observable inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading account securities		263,516.5
Securities Available-for-Sale		2,559,728.3
Equity securities	[1],[2]	8,633.9
Total		2,831,878.7
Fair Value, Measurements, Recurring | Fair Value Measurements Using Significant unobservable inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading account securities		0
Securities Available-for-Sale		38,812.9
Equity securities	[1],[2]	0
Total		₨ 38,812.9
[1]	Effective April 1, 2018, the Bank adopted ASU 2016-01 (See note 2(w)(ii) to the Consolidated Financial Statements for additional details).
[2]	Equity securities classified within other assets.

Fair Value Measurement - Additi

Fair Value Measurement - Additional Information (Detail) ₨ in Billions	Mar. 31, 2019INR (₨)
Available-for-Sale Debt Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale securities classified as level 1 transferred to level 2	₨ 0.1

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, 2019	Mar. 31, 2018
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Beginning balance	₨ 18,534.6	₨ 21,899.1
Total gains or losses (realized/unrealized) -Included in net income	0	0
Total gains or losses (realized/unrealized)- Included in other comprehensive income	355.9	(76.9)
Purchases/additions	42,885.7	13,110.3
Sales	0	0
Issuances	0	0
Settlements	(22,963.3)	(16,397.9)
Transfers in Level 3	0	0
Transfers out of Level 3	0	0
Foreign currency translation adjustment	0	0
Ending Balance	38,812.9	18,534.6
Total amount of gains or (losses) included in net income attributable to change in unrealized gains or (losses) relating to assets still held at reporting date	₨ 0	₨ 0

Derivative Instruments Measured

Derivative Instruments Measured at Fair Value on Recurring Basis (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	₨ 132,524.1	$ 1,916.2	₨ 50,836.3
Derivative liabilities	128,449	$ 1,857.3	56,124.7
Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	132,524.1		50,836.3
Derivative liabilities	128,449		56,124.7
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 and Nonrecurring 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 and Nonrecurring Basis [Line Items]
Derivative assets	132,524.1		50,836.3
Derivative liabilities	128,449		56,124.7
Fair Value, Measurements, Recurring | Fair Value Measurements Using Significant unobservable inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	0		0
Derivative liabilities	₨ 0		₨ 0

Subsequent Events - Additional

Subsequent Events - Additional Information (Detail) - INR (₨) ₨ / shares in Units, ₨ in Millions	Mar. 31, 2019	Jul. 20, 2019	Apr. 20, 2019	Sep. 20, 2019
Subsequent Event [Line Items]
Description of stock splits	By an ordinary resolution on July 12, 2019, the shareholders of the Bank approved a sub division (stock split) of equity shares to reduce the face value of each equity share from Rs. 2.0 to Rs. 1.0 per share. The Board of Directors in their meeting held on July 20, 2019 fixed the record date as September 20, 2019, the effective date.
Scenario Forecast
Subsequent Event [Line Items]
Common stock face value per share pre-stock split				₨ 2
Common stock face value per share post-stock split				₨ 1
Dividend paid
Subsequent Event [Line Items]
Dividend paid, per share amount			₨ 15
Dividend paid, total amount			₨ 40,992.2
Dividend Declared
Subsequent Event [Line Items]
Dividend declared, date approved			Jul. 12, 2019
Dividend declared, board of directors meeting date			Apr. 20, 2019
Dividend Declared | Subsequent Event
Subsequent Event [Line Items]
Special interim dividend declared per share		₨ 5
Dividend declared, record date		Jul. 20, 2019