HDFC Bank Limited (HDB) 20-F 28 Jul 21 2021 FY Annual report (foreign) Financial data

Cover Page

Cover Page	12 Months Ended
	Mar. 31, 2021shares
Document Information [Line Items]
Document Type	20-F
Amendment Flag	false
Document Period End Date	Mar. 31, 2021
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	FY
Trading Symbol	HDB
Entity Registrant Name	HDFC BANK LIMITED
Entity Central Index Key	0001144967
Current Fiscal Year End Date	--03-31
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Large Accelerated Filer
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding	5,512,776,482
Security Exchange Name	NYSE
Title of 12(b) Security	American Depositary Shares, each representing three Equity Shares, Par value Rs. 1.0 per share
Document Annual Report	true
Document Transition Report	false
Document Shell Company Report	false
Entity Interactive Data Current	Yes
Entity File Number	001-15216
Entity Incorporation, State or Country Code	K7
Entity Address, Address Line One	HDFC Bank House
Entity Address, Address Line Two	Senapati Bapat Marg, Lower Parel
Entity Address, City or Town	Mumbai
Entity Address, Postal Zip Code	400013
Entity Address, Country	IN
Document Registration Statement	false
Document Accounting Standard	U.S. GAAP
ICFR Auditor Attestation Flag	true
Business Contact [Member]
Document Information [Line Items]
Contact Personnel Name	Santosh Haldankar
Entity Address, Address Line One	HDFC Bank Ltd; Legal & Secretarial Dept; 2nd floor, Zenith House
Entity Address, Address Line Two	Opp. Race Course Gate No. 5 & 6 , Keshavrao Khadye Marg
Entity Address, Address Line Three	Mahalaxmi(west)
Entity Address, City or Town	Mumbai
Entity Address, Postal Zip Code	400 034
Entity Address, Country	IN
Country Region	91
City Area Code	22
Local Phone Number	3976-0711

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS ₨ in Millions, $ in Millions	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
ASSETS:
Cash and due from banks, and restricted cash	₨ 930,694.7	$ 12,724.8	₨ 611,961
Investments held for trading, at fair value	99,620.2	1,362	304,962.9
Investments available for sale debt securities, at fair value [includes restricted investments of Rs. 1,760,859.1 and Rs. 1,694,645.4 (US$ 23,169.9), as of March 31, 2020 and March 31, 2021, respectively]	4,275,449.9	58,455.7	3,406,289.2
Securities purchased under agreements to resell	270,060	3,692.4	250,000
Loans [net of allowance of Rs. 198,833.2 and Rs. 343,528.7 (US$ 4,696.9), as of March 31, 2020 and March 31, 2021, respectively]	11,700,189.2	159,969.8	10,425,022.4
Accrued interest receivable	118,762.9	1,623.8	103,035.9
Property and equipment, net	53,094.4	725.9	48,327.7
Goodwill	74,937.9	1,024.6	74,937.9
Other assets	456,972.8	6,247.9	737,352.1
Total assets	17,979,782	245,826.9	15,961,889.1
Liabilities:
Interest-bearing deposits	11,226,467.8	153,492.9	9,730,481.3
Non-interest-bearing deposits	2,110,762.4	28,859.2	1,731,590
Total deposits	13,337,230.2	182,352.1	11,462,071.3
Securities sold under repurchase agreements	356,059.2	4,868.2	507,982
Short-term borrowings	239,264.1	3,271.3	377,417.6
Accrued interest payable	77,969.1	1,066	80,078.9
Long-term debt	1,174,758.2	16,061.8	1,026,518.3
Accrued expenses and other liabilities	631,096.4	8,628.6	611,327.2
Total liabilities	15,816,377.2	216,248	14,065,395.3
Commitments and contingencies (see note 26)
Shareholders' equity:
Equity shares: par value—Rs. 1.0 each; authorized 6,500,000,000 shares and 6,500,000,000 shares; issued and outstanding 5,483,286,460 shares and 5,512,776,482 shares, as of March 31, 2020 and March 31, 2021, respectively	5,512.8	75.4	5,483.3
Additional paid-in capital	794,220.3	10,858.9	765,888.6
Retained earnings	897,873.7	12,276.1	713,340.6
Statutory reserve	434,835.3	5,945.2	356,038.3
Accumulated other comprehensive income (loss)	27,186.3	371.7	52,331.6
Total HDFC Bank Limited shareholders' equity	2,159,628.4	29,527.3	1,893,082.4
Noncontrolling interest in subsidiaries	3,776.4	51.6	3,411.4
Total shareholders' equity	2,163,404.8	29,578.9	1,896,493.8
Total liabilities and shareholders' equity	₨ 17,979,782	$ 245,826.9	₨ 15,961,889.1

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) ₨ in Millions, $ in Millions	Mar. 31, 2021INR (₨)₨ / sharesshares	Mar. 31, 2021USD ($)shares	Mar. 31, 2020INR (₨)₨ / sharesshares	Mar. 31, 2020USD ($)shares
Investments available for sale, at fair value, restricted investments	₨ 1,694,645.4	$ 23,169.9	₨ 1,760,859.1
Loans, allowance	₨ 343,528.7	$ 4,696.9	₨ 198,833.2	$ 2,718.7
Equity shares, par value | ₨ / shares	₨ 1		₨ 1
Equity shares, authorized	6,500,000,000	6,500,000,000	6,500,000,000	6,500,000,000
Equity shares, issued	5,512,776,482	5,512,776,482	5,483,286,460	5,483,286,460
Equity shares, outstanding	5,512,776,482	5,512,776,482	5,483,286,460	5,483,286,460

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2021INR (₨)₨ / shares	Mar. 31, 2021USD ($)$ / shares	Mar. 31, 2020INR (₨)₨ / shares		Mar. 31, 2019INR (₨)₨ / shares
Interest and dividend revenue:
Loans	₨ 1,017,047.8	$ 13,905.5	₨ 981,794.8		₨ 827,683
Trading securities	3,373.8	46.2	7,392.1		8,892.9
Available for sale debt securities	226,690.9	3,099.4	198,383.2		190,992.5
Other	28,855.1	394.5	24,412.8		14,146.5
Total interest and dividend revenue	1,275,967.6	17,445.6	1,211,982.9		1,041,714.9
Interest expense:
Deposits	501,260.2	6,853.4	507,888.8		410,026.4
Short-term borrowings	12,531.8	171.3	27,216.8		39,054.3
Long-term debt	78,361.5	1,071.4	83,200.5		85,081.1
Other	127.6	1.7	149.4		47.5
Total interest expense	592,281.1	8,097.8	618,455.5		534,209.3
Net interest revenue	683,686.5	9,347.8	593,527.4		507,505.6
Provision for credit losses	154,233.4	2,108.7	117,621.9		72,279.3
Net interest revenue after provision for credit losses	529,453.1	7,239.1	475,905.5		435,226.3
Non-interest revenue, net:
Fees and commissions	165,410.4	2,261.6	160,099.5		134,155.2
Trading securities gain/(loss), net	1,481	20.2	1,323.4		1,028.4
Realized gain/(loss) on sales of available for sale debt securities, net	55,925.2	764.6	25,826.2		2,596
Allowance on available for sale debt securities	(2,915.1)	(39.9)	(9,109)	[1]	(1,081)	[1]
Foreign exchange transactions	27,762.6	379.6	15,265.6		1,917.8
Derivatives gain/(loss), net	(3,253)	(44.5)	3,550		12,409.1
Other, net	8,564.6	117.1	1,263.3		9,096.7
Total non-interest revenue, net	252,975.7	3,458.7	198,219		160,122.2
Total revenue, net	782,428.8	10,697.8	674,124.5		595,348.5
Non-interest expense:
Salaries and staff benefits	143,755.9	1,965.5	130,506.9		104,652.6
Premises and equipment	35,763.2	489	31,533.9		29,527.7
Depreciation and amortization	13,860.2	189.5	12,800.3		12,247.8
Administrative and other	149,223	2,040.2	133,439.4		108,960.4
Amortization of intangible assets	0	0	0		1
Total non-interest expense	342,602.3	4,684.2	308,280.5		255,389.5
Income before income tax expense	439,826.5	6,013.6	365,844		339,959
Income tax expense	113,820.1	1,556.2	105,480		119,393.5
Net income before noncontrolling interest	326,006.4	4,457.4	260,364		220,565.5
Less: Net income attributable to shareholders of noncontrolling interest	29.3	0.4	94.1		461.7
Net income attributable to HDFC Bank Limited	₨ 325,977.1	$ 4,457	₨ 260,269.9		₨ 220,103.8
Per share information: (see note: 28)
Earnings per equity share-basic | (per share)	₨ 59.27	$ 0.81	₨ 47.59		₨ 41.07
Earnings per equity share-diluted | (per share)	59.02	0.80	47.27		40.66
Per ADS information (where 1 ADS represents 3 shares): (see note: 28)
Earnings per ADS-basic | (per share)	177.81	2.43	142.77		123.21
Earnings per ADS-diluted | (per share)	177.06	2.40	141.81		121.98
Dividends declared per equity share | (per share)	₨ 6.5	$ 0.09	₨ 2.5		₨ 7.5
[1]	For fiscal 2019 and 2020 the amount represents Other than temporary impairment. The Bank adopted the CECL accounting guidance on April 1, 2020.

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)	Mar. 31, 2019INR (₨)
Net income before noncontrolling interest	₨ 326,006.4	$ 4,457.4	₨ 260,364	₨ 220,565.5
Foreign currency translation adjustment:
Net unrealized gain (loss) arising during the period [net of tax Rs. (356.6), Rs. (426.7) and Rs. 381.0, as of March 31, 2019, March 31, 2020 and March 31, 2021, respectively]	(1,132.8)	(15.5)	1,771.7	663.9
Available for sale debt securities:
Net unrealized gain (loss) arising during the period [net of tax Rs. (9,187.8), Rs. (15,704.2) and Rs. 249.0, as of March 31, 2019, March 31, 2020 and March 31, 2021, respectively]	(740.6)	(10.1)	47,574.2	17,105.1
Reclassification adjustment for net (gain) loss included in net income [net of tax Rs. 1,018.1, Rs. 4,739.2 and Rs. 7,827.8, as of March 31, 2019, March 31, 2020 and March 31, 2021, respectively]	(23,271.9)	(318.2)	(8,823.1)	(1,895.5)
Other comprehensive income, net of tax	(25,145.3)	(343.8)	40,522.8	15,873.5
Total comprehensive income	300,861.1	4,113.6	300,886.8	236,439
Less: Comprehensive income attributable to shareholders of noncontrolling interest	29.3	0.4	94.1	461.7
Comprehensive income attributable to HDFC Bank Limited	₨ 300,831.8	$ 4,113.2	₨ 300,792.7	₨ 235,977.3

CONSOLIDATED STATEMENTS OF CO_2

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Parenthetical) - INR (₨) ₨ in Millions	12 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Mar. 31, 2019
Net unrealized gain (loss) arising during the period, tax	₨ 381	₨ (426.7)	₨ (356.6)
Net unrealized gain (loss) arising during the period, tax	249	(15,704.2)	(9,187.8)
Reclassification adjustment for net (gain) loss included in net income, tax	₨ 7,827.8	₨ 4,739.2	₨ 1,018.1

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)		Mar. 31, 2019INR (₨)
Cash flows from operating activities:
Net income before noncontrolling interest	₨ 326,006.4	$ 4,457.4	₨ 260,364		₨ 220,565.5
Adjustment to reconcile net income to net cash provided by operating activities
Provision for credit losses	154,233.4	2,108.7	117,621.9		72,279.3
Depreciation and amortization	13,860.2	189.5	12,800.3		12,247.8
Amortization of intangible assets	0	0	0		1
Amortization of deferred customer acquisition costs and fees	7,930.2	108.4	11,673.2		10,423.1
Amortization of premium (discount) on investments	5,875.3	80.3	5,196.8		4,532.1
Allowance on available for sale debt securities	2,915.1	39.9	9,109	[1]	1,081	[1]
Deferred tax expense/ (benefit)	(8,267.3)	(112.9)	(101.2)		(8,129.4)
Other gains, net	(7,428.4)	(101.6)	133.7		(6,717.5)
Share-based compensation expense	10,603.5	145	7,476.1		5,343.3
Net realized (gain) loss on sale of available for sale debt securities	(55,925.2)	(764.6)	(25,826.2)		(2,596)
(Gain) loss on disposal of property and equipment, net	(16.2)	(0.2)	81.9		(64.8)
Unrealized exchange (gain) loss	(356.8)	(4.9)	3,312.5		574.6
Net change in:
Investments held for trading	388,530.5	5,312.1	(227,480.4)		(96,555.7)
Accrued interest receivable	(15,804.6)	(216.1)	(9,752.6)		(15,060.3)
Other assets	82,993.4	1,134.7	(140,959.9)		(112,726.3)
Accrued interest payable	(2,073.9)	(28.4)	563.7		13,775
Accrued expense and other liabilities	18,700.6	255.7	146,966.9		84,299.5
Net cash provided by operating activities	921,776.2	12,603	171,179.7		183,272.2
Cash flows from investing activities:
Term placements, net	4,168	57	6,055.7		24,447.4
Activity in available for sale debt securities:
Purchases	(3,217,140.1)	(43,986.1)	(2,608,516.6)		(1,781,754.9)
Proceeds from sales	1,609,149.3	22,000.9	1,214,082		453,778.9
Maturities, prepayments and calls	784,327.6	10,723.6	653,889		937,072
Net change in repurchase agreements and reverse repurchase agreements	(171,982.8)	(2,351.4)	160,195.5		609,805.1
Loans purchased	(189,797.8)	(2,595)	(252,738.1)		(240,356.2)
Repayments on loans purchased	124,275.6	1,699.1	122,821.6		89,713.3
Increase in loans originated, net of principal collections	(1,446,355.1)	(19,775.1)	(1,428,007.7)		(1,610,724.3)
Additions to property and equipment	(17,806.5)	(243.5)	(18,294.3)		(16,355)
Proceeds from sale or disposal of property and equipment	152.8	2.1	182.4		212.3
Activity in equity securities, net	(140.7)	(1.9)	(157.9)		(2,821.4)
Net cash used in investing activities	(2,521,149.7)	(34,470.3)	(2,150,488.4)		(1,536,982.8)
Cash flows from financing activities:
Net increase in deposits	1,882,763.1	25,741.9	2,213,972.5		1,331,850.9
Net increase (decrease) in short-term borrowings	(138,024.7)	(1,887.1)	(277,587.3)		(127,707.1)
Proceeds from issue of shares by a subsidiary to noncontrolling interests	492.4	6.7	466.8		459.8
Proceeds from issuance of long-term debt	481,989.2	6,590	272,104.7		320,093.6
Repayment of long-term debt	(326,285)	(4,461.1)	(315,209.6)		(224,084.5)
Proceeds from issuance of equity shares for options exercised	17,601	240.6	18,486.8		22,008.2
Proceeds from issuance of equity shares (net of issuance cost)			0		235,896.2
Payment of dividends and dividend tax	(166.6)	(2.3)	(66,447.3)		(41,015.2)
Net cash provided by financing activities	1,918,369.4	26,228.7	1,845,786.6		1,517,501.9
Effect of exchange rate changes on cash and due from banks, and restricted cash	(262.2)	(3.6)	10,610.5		(3,069.7)
Net change in cash and due from banks, and restricted cash	318,733.7	4,357.8	(122,911.6)		160,721.6
Cash and due from banks, and restricted cash, beginning of year	611,961	8,367	734,872.6		574,151
Cash and due from banks, and restricted cash, end of year	930,694.7	12,724.8	611,961		734,872.6
Supplementary cash flow information:
Interest paid	594,390.9	8,126.8	617,749.1		520,351.2
Income taxes paid, net of refunds	130,214.5	1,780.3	104,013.4		119,365
Non-cash investment activities
Payable for purchase of property and equipment	2,061.2	28.2	1,232.7		1,323.7
Trade date sale receivable of available for sale debt securities	₨ 0	$ 0	₨ 32,730.8		₨ 0
[1]	For fiscal 2019 and 2020 the amount represents Other than temporary impairment. The Bank adopted the CECL accounting guidance on April 1, 2020.

CONSOLIDATED STATEMENTS OF SHAR

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY ₨ in Millions, $ in Millions	INR (₨)shares	USD ($)shares	Revision of Prior Period, Change in Accounting Principle, Adjustment [Member]INR (₨)		Equity SharesINR (₨)shares	Equity SharesUSD ($)shares	Additional Paid In CapitalINR (₨)	Additional Paid In CapitalUSD ($)	Retained EarningsINR (₨)	Retained EarningsUSD ($)	Retained EarningsRevision of Prior Period, Change in Accounting Principle, Adjustment [Member]INR (₨)		Statutory ReserveINR (₨)	[2]	Statutory ReserveUSD ($)	[2]	Accumulated Other Comprehensive Income (Loss)INR (₨)	Accumulated Other Comprehensive Income (Loss)USD ($)	Accumulated Other Comprehensive Income (Loss)Revision of Prior Period, Change in Accounting Principle, Adjustment [Member]INR (₨)	[1]	Total HDFC Bank Limited Shareholders' EquityINR (₨)	Total HDFC Bank Limited Shareholders' EquityUSD ($)	Total HDFC Bank Limited Shareholders' EquityRevision of Prior Period, Change in Accounting Principle, Adjustment [Member]INR (₨)		Noncontrolling InterestINR (₨)	Noncontrolling InterestUSD ($)
Balance at Mar. 31, 2018	₨ 1,176,493.3		₨ 0	[1]	₨ 5,190.2		₨ 476,570.4		₨ 462,876.2		₨ 268	[1]	₨ 233,323.5				₨ (3,796.7)		₨ (268)		₨ 1,174,163.6		₨ 0	[1]	₨ 2,329.7
Balance at Mar. 31, 2018 | shares					5,190,180,534	5,190,180,534
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					208,888,078	208,888,078
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					47,544,608	47,544,608
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								0
Net income	220,565.5								220,103.8												220,103.8				461.7
Net change in accumulated other comprehensive income	15,873.5																15,873.5				15,873.5
Balance at Mar. 31, 2019	1,635,624.6				₨ 5,446.6		739,763.6		587,235.2				288,321.1				11,808.8				1,632,575.3				3,049.3
Balance at Mar. 31, 2019 | shares					5,446,613,220	5,446,613,220
Shares issued upon exercise of options	18,486.8				₨ 36.7		18,450.1														18,486.8
Shares issued upon exercise of options (in shares) | shares					36,673,240	36,673,240
Share-based compensation	7,476.1						7,476.1														7,476.1
Dividends, including dividend tax	(66,447.3)								(66,447.3)												(66,447.3)
Change in ownership interest in subsidiary	0						198.8														198.8				(198.8)
Shares issued to noncontrolling interest	466.8																				0
Transfer to statutory reserve	0								(67,717.2)				67,717.2								0
Net income	260,364								260,269.9												260,269.9				94.1
Net change in accumulated other comprehensive income	40,522.8																40,522.8				40,522.8
Balance at Mar. 31, 2020	₨ 1,896,493.8		₨ (62,480.4)	[3]	₨ 5,483.3		765,888.6		713,340.6		₨ (62,480.4)	[3]	356,038.3				52,331.6	$ 52,331.6			1,893,082.4		₨ (62,480.4)	[3]	3,411.4
Balance at Mar. 31, 2020 | shares	5,483,286,460	5,483,286,460			5,483,286,460	5,483,286,460
Shares issued upon exercise of options	₨ 17,601				₨ 29.5		17,571.5														17,601
Shares issued upon exercise of options (in shares) | shares					29,490,022	29,490,022
Share-based compensation	10,603.5						10,603.5														10,603.5
Dividends, including dividend tax	(166.6)								(166.6)												(166.6)
Change in ownership interest in subsidiary	0						156.7														156.7				(156.7)
Shares issued to noncontrolling interest	492.4																								492.4
Transfer to statutory reserve	0								(78,797)				78,797
Net income	326,006.4	$ 4,457.4							325,977.1												325,977.1				29.3
Net change in accumulated other comprehensive income	(25,145.3)	(343.8)															(25,145.3)				(25,145.3)
Balance at Mar. 31, 2021	₨ 2,163,404.8	$ 29,578.9			₨ 5,512.8	$ 75.4	₨ 794,220.3	$ 10,858.9	₨ 897,873.7	$ 12,276.1			₨ 434,835.3		$ 5,945.2		₨ 27,186.3	$ 371.7			₨ 2,159,628.4	$ 29,527.3			₨ 3,776.4	$ 51.6
Balance at Mar. 31, 2021 | shares	5,512,776,482	5,512,776,482			5,512,776,482	5,512,776,482
[1]	Effective April 1, 2018, the Bank adopted ASU 2016-01 “Financial Instruments—Overall (Subtopic 825-10)
[2]	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.
[3]	Effective April 1, 2020, the Bank adopted ASU 2016-13 Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments (see note 2(g), 2(i), 2(x),5,9,20 and 23)

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, 2021
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 21.2% and 21.1% of the Bank’s equity as of March 31, 2020 and March 31, 2021, respectively. The remainder of the Bank’s equity is widely held by the public and by foreign and Indian institutional investors. By way of an ordinary resolution on July 12, 2019, the shareholders of the Bank approved a subdivision (stock split) of the Bank’s equity shares to reduce the face value of each equity share from Rs. 2.0 to Rs. 1.0 per equity share effective as of September 20, 2019. The number of issued and subscribed equity shares increased to 5,470,763,894 shares of par value Rs. 1.0 each. All share/ADS and per share/ADS data reflect the effect of the stock split retroactively. One ADS continues to represent three equity shares. On July 17, 2018, the Bank made a preferential allotment of 78,193,634 equity shares to Housing Development Finance Corporation Limited at an issue price of Rs. 1,087.05 per equity share. On August 2, 2018, the Bank issued 35,000,000 American Depositary Shares (ADSs) representing 105,000,000 equity shares at a price of US$ 52.00 per ADS. The Bank also allotted 25,694,444 equity shares pursuant to a qualified institutional placement (QIP) offering at a price of Rs. 1,080.0 per equity shares. The total number of shares issued pursuant to exercise of stock options during the period is 47,544,608 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, 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, 2021
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, lease accounting 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, impairment in securities, valuation of derivatives, stock-based compensation, unrecognized tax benefits, valuation of lease liabilities 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 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 10. 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 are classified under other assets. Marketable securities are measured at fair value, change in fair value recorded in earnings. Non- 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 Up to March 31, 2020, declines in the fair values of held to maturity and available for sale debt securities below their carrying value that were other than temporary were 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 conducted 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 entailed identification and evaluation of investments that had 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 were other than temporary were measured on a case-by-case The Bank adopted ASU 2016-13, available-for-sale more-likely-than-not 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 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 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. Upon adoption of ASC 326, the Bank revised its accounting policy for Allowance for credit losses as detailed below: Retail Up to March 31, 2020 the Bank’s retail loan loss allowance consisted of specific allowance and allowance for loans collectively evaluated for impairment (termed as “unallocated allowance”). The Bank established 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 monitored loan to value ratios for loan against securities. The loans were charged off against allowances typically when the account became 150 to 1,08 write-off . Wholesale Up to March 31, 2020, the allowance for wholesale loans consisted of specific and unallocated components. The allowance for such credit losses was evaluated on a regular basis by management and was 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 was inherently subjective as it required estimates that are susceptible to significant revision as more information became available. Loans were 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 established 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 experienced insignificant payment delays and payment shortfalls were generally not classified as impaired but were 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 also established an unallocated allowance for wholesale standard loans based on the internal rating grades assigned, and the probability of default associated with internal rating grade pools and the loss given default. Effective April 1, 2020, the Bank adopted the CECL accounting guidance. The adoption of this guidance established a single allowance framework for all financial assets measured at amortized cost and certain off-balance The Banks allowance for credit losses comprises: • the allowance for loan losses, which covers the Bank’s loan portfolios and is presented separately on the balance sheet in Loans, • the allowance for lending-related commitments, which is recognized on the balance sheet in Accrued expenses and other liabilities, • the allowance for credit losses on investment securities, which covers the Bank’s AFS debt securities and is recognized on the balance sheet in Investments available for sale debt securities on the balance sheet and, • the allowance for credit losses on other financial assets measured at amortized cost, and other off-balance sheet credit exposures, which is recognized on the balance sheet in Accrued expenses and other liabilities. All changes in the allowance for credit losses is recognized in the income statement. Determining the appropriateness of the allowance for credit losses is complex and requires significant judgment by management about the effect of matters that are inherently uncertain. Subsequent evaluations of credit exposures, considering the macroeconomic conditions, forecasts and other factors then prevailing, may result in significant changes in the allowance for credit losses in future periods. The Bank’s policies used to determine its allowance for credit losses and its allowance for lending-related commitments are described in the following paragraphs. The Bank’s portfolio is bifurcated into Retail and Wholesale portfolios, wherein the Retail portfolio is segmented into homogenous pools using various factors such as nature of product, delinquencies, and other demographic and behavioral variables of the borrowers. The wholesale portfolio is segmented into various risk grades on the basis of host of quantitative and qualitative factors including financial performance, industry risk, business risk and management quality. The allowance for loan-related losses and allowance for lending-related commitments represents expected credit losses over the remaining expected life of outstanding loans and lending-related commitments that are not unconditionally cancellable. The Bank does not record an allowance for future draws on unconditionally cancellable lending-related commitments (e.g., credit cards). The Bank does not record an allowance on accrued interest receivables on the balance sheet due to its policy to reverse interest income on loans more than 90 days past due and in case of agricultural loans more than 365 days past due non-performing. The estimate of expected credit losses includes expected recoveries of amounts previously charged off or expected to be charged off, even if such recoveries result in a negative allowance. The Retail loans are charged off against allowances typically when the account becomes 150 to 1,083 days past due depending on the type of loan. The defined delinquency levels at which major loan types are charged off are 150 days past due for personal loans, credit card receivables, and 180 days for auto loans, commercial vehicle and construction equipment finance, 720 days past due for housing loans and on a customer by customer basis in respect of retail business banking when management believes that any future cash flows from these loans are remote including realization of collateral, if applicable, and where any restructuring or any other settlement arrangements were not feasible. The wholesale Loans are charged off against the allowance when management believes that the loan balance may not be recovered including realization of collateral, if applicable, and where any restructuring or any other settlement arrangements were not feasible. Subsequent recoveries, if any, against write-off Wholesale loans are considered non-performing non-performance non-performing case-by-case In order to estimate the allowance, the Bank primarily relies The Bank’s off-balance sheet credit exposures include unfunded loan commitments, financial guarantees, including standby letters of credit, and other similar instruments. For off-balance sheet credit exposures, the Bank recognizes an Allowance for credit loss (ACL) associated with the unfunded amounts. The Bank does not recognize an ACL for commitments that are unconditionally cancelable at Bank’s discretion. ACL for off-balance sheet credit exposures are reported as a liability in accrued expenses and other liabilities on the consolidated balance sheet. ACL is in such cases is measured for the remaining contractual term, adjusted for prepayments, of the financial asset (including off-balance sheet credit exposures) using historical experience, current conditions, and reasonable and supportable forecasts . Collective and Individual Assessments Management estimates the allowance balance using relevant available information, from internal and external sources, relating to past events, current conditions, and reasonable and supportable forecasts. Historical loan default and loss experience provides the basis for the estimation of expected credit losses. Adjustments to historical loss information incorporate management’s view of current conditions and forecasts. The methodology for estimating the amount of credit losses reported in the allowance for credit losses has two basic components: first, a pooled component for expected credit losses for pools of loans that share similar risk characteristics and second an asset-specific component involving loans that do not share risk characteristics and the measurement of expected credit losses for such individual loans.. . As an integral part of the credit process, the Bank has a credit rating model appropriate to its retail and wholesale 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 majority of the Bank’s credit exposures share risk characteristics with other similar exposures, and as a result are collectively assessed for allowance (“portfolio-based component”). If an exposure does not share risk characteristics with other exposures, the Bank generally estimates expected credit losses on an individual basis, considering expected repayment and conditions impacting that individual exposure (“asset-specific component”). The asset-specific component covers loans modified or reasonably expected to be modified in a TDR, collateral-dependent loans, as well as, borrowers with financial difficulties Portfolio-based component (Pooled Loans) The portfolio-based component begins with a quantitative calculation that considers the likelihood of the borrower changing delinquency status or moving from one risk rating to another. The quantitative calculation covers expected credit losses over an instrument’s expected life and is estimated by applying credit loss factors to the Bank’s exposure at default. Apart from its historical experience, the Bank seeks to incorporate any reasonable and supportable information regarding the prevalent and future economic and operating conditions, and their impact on credit losses for the Bank into its allowance. The Bank therefore includes in its estimation the use of quantitative statistical models to predict impact of macro-economic variables on defaults. The Bank relies on a single economic variable to develop reasonable and supportable forecasts. In deploying these models the Bank has assessed the impact of an exhaustive set of macro-economic variables such as GDP, inflation, Gross Capital Formation and Index of Industrial Production(IIP) on its expected losses, and uses consensus macro-economic forecasts surveyed and published by the Reserve Bank of India. As the consensus macro-economic forecasts are published for a year the Bank reverts to the historical average default rate beyond this period. Any adjustments needed to the modeled expected losses in the quantitative calculations are addressed through a qualitative adjustment. Qualitative adjustment , among other things: the uncertainty of forward-looking scenarios based on the likelihood and severity of a possible recession; the uncertainty of economic conditions related to an alternative downside scenario; certain portfolio characteristics and concentrations; collateral coverage; model limitations; idiosyncratic events; and other relevant criterias. The qualitative adjustment also reflects the estimated impact of the pandemic on the economic forecasts and the impact on credit loss estimates. The total ACL is comprised of the quantitative and qualitative components. The Bank estimates its allowance for credit losses for pooled loans based on its probability of default and loss given default, determined for the respective risk pools. Asset-specific component To determine the asset-specific component of the allowance, collateral-dependent loans (including those loans for which foreclosure is probable) and larger, non-accrual The Bank generally measures the asset-specific allowance as the difference between the amortized cost of the loan and the present value of the cash flows expected to be collected, discounted at the loan’s original effective interest rate. Subsequent changes in impairment, including those related to passage of time, are generally recognized as an adjustment to the allowance for credit losses. For collateral-dependent loans, the fair value of collateral less estimated costs to sell is used to determine the charge-off The asset-specific component of the allowance for credit losses that have been or are expected to be modified in TDRs incorporates the effect of the modification on the loan’s expected cash flows (including forgone interest, principal forgiveness, as well as other concessions), and also the potential for redefault. For wholesale loans modified or expected to be modified in TDRs, expected losses incorporate management’s expectation of the borrower’s ability to repay under the modified terms. Estimating the timing and amounts of future cash flows is highly judgmental as these cash flow projections rely upon estimates such as loss severities, asset valuations, default rates (including redefault rates on modified loans), the amounts and timing of interest or principal payments (including any expected prepayments) or other factors that are reflective of current and expected market conditions. All of these estimates and assumptions require significant management judgment and certain assumptions are highly subjective. 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 property and equipment 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. Improvements to leasehold premises are charged off over the remaining primary period of the lease. l. Lease accounting Effective April 1, 2019, the Bank adopted FASB ASU 2016-02 “Leases right-of-use At the inception of the contract, the Bank assesses whether the contract, is or contains, a lease. The Bank’s assessment is based on whether(1) the contract involves the use of distinct identified assets, (2) the Bank has the right to substantially all the economic benefit from the use of the asset throughout the term of the contract, and (3) the Bank has the right to direct the use of the asset. Leases are examined for classification as either finance leases or operating leases. A lease is classified as a finance lease if any one of the following criteria is met (1) the lease transfers ownership of the asset by the end of the lease term, (2) the lease contains an option to purchase the asset that is reasonably certain to be exercised, (3) the lease term is for the major part of the remaining useful life of the asset or (4) the present value of the lease payments equals or exceeds substantially all of the fair value of the asset. A lease is classified as an operating lease if it does not meet any one of the above criteria. The Banks’s lessee arrangements consist of operating leases. The Bank records right-of-use Right-of-use right-of-use Lease expense is recognized on a straight-line basis over the lease term and is recorded in non-interest non-lease Right-of-use The Bank assesses leased assets for impairment, and if the carrying amount of the leased asset exceeds the undiscounted cash flows from the lease payments and the estimated residual value upon disposition of the leased asset, an impairment loss is recognized. m. 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. n. 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 carry forwards. 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 accounted for dividend distribution tax in equity in the year in which a dividend is declared. With effect from April 1, 2020, no direct tax required to be paid by the Bank since dividend distribution tax payable on dividend distributed have been abolished. The Bank follows specific identification method for releasing income tax effects from accumulated other comprehensive income. o. 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. p. 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 q. 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 2 1 r. Debt issuance costs Issuance costs of long-term debt are amortized over the tenure of the debt. s. 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 2 8 t. 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 2 5 u. 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. v. 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 an

Cash and due from banks, and re

Cash and due from banks, and restricted cash	12 Months Ended
	Mar. 31, 2021
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. As prescribed by the RBI, the cash reserve ratio has to be maintained on an average basis for a two-week two-week prescribed threshold limit. Non-maintenance The cash and due from banks, and restricted cash consist of restricted cash of Rs. 361,409.5 million and Rs. 552,005.5 million (US$ 7,547.2 million) as at March 31, 2020 and March 31, 2021, respectively.

Investments

Investments	12 Months Ended
	Mar. 31, 2021
Held for Trading
Investments	4. Investments, held for trading The portfolio of trading securities as of March 31, 2020 and March 31, 2021 was as follows: As of March 31, 2020 Amortized Cost Gross Unrealized Gross Unrealized Fair Value (In millions) Government of India securities Rs. 207,131.4 Rs. 592.9 Rs. 17.2 Rs. 207,707.1 Other corporate/financial institution securities 4,495.9 7.1 32.5 4,470.5 Total debt securities Rs. 211,627.3 Rs. 600.0 Rs. 49.7 Rs. 212,177.6 Other securities (including mutual fund units) 92,683.9 101.4 — 92,785.3 Total Rs. 304,311.2 Rs. 701.4 Rs. 49.7 Rs. 304,962.9 As of March 31, 2021 Amortized Cost Gross Unrealized Gross Unrealized Fair Value (In millions) Government of India securities Rs. 15,076.0 Rs. 85.8 Rs. 2.6 Rs. 15,159.2 Other corporate/financial institution securities 34,803.9 43.3 0.4 34,846.8 Total debt securities Rs. 49,879.9 Rs. 129.1 Rs. 3.0 Rs. 50,006.0 Other securities (including mutual fund units) 52,912.2 110.9 3,408.9 49,614.2 Total Rs. 102,792.1 Rs. 240.0 Rs. 3,411.9 Rs. 99,620.2 Total US$ 1,405.3 US$ 3.3 US$ 46.6 US$ 1,362.0
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, 2020 and March 31, 2021 was as follows: As of March 31, 2020 Amortized Cost Gross Unrealized Gross Unrealized Fair Value (In millions) Government of India securities Rs. 2,637,464.4 Rs. 52,630.0 Rs. 1,491.6 Rs. 2,688,602.8 State government securities 177,055.9 11,337.7 — 188,393.6 Government securities outside India 8,367.0 48.4 — 8,415.4 Credit substitutes (see note 7) 360,741.5 2,309.5 677.3 362,373.7 Other corporate/financial institution bonds 29,710.9 212.8 409.6 29,514.1 Debt securities, other than asset and mortgage-backed securities 3,213,339.7 66,538.4 2,578.5 3,277,299.6 Mortgage-backed securities 37.3 0.8 — 38.1 Asset-backed securities 125,931.2 1,746.0 150.0 127,527.2 Other securities (including mutual fund units) 1,424.1 0.2 — 1,424.3 Total Rs. 3,340,732.3 Rs. 68,285.4 Rs. 2,728.5 Rs. 3,406,289.2 Securities with gross unrealized losses Rs. 300,932.1 Securities with gross unrealized gains 3,105,357.1 Rs. 3,406,289.2 As of March 31, 2021 Amortized Cost Gross Unrealized Gross Unrealized Fair Value (In millions) Government of India securities Rs. 3,159,905.2 Rs. 31,824.6 Rs. 20,225.8 Rs. 3,171,504.0 State government securities 348,067.7 7,373.7 2,669.6 352,771.8 Government securities outside India 5,932.2 3.8 — 5,936.0 Credit substitutes (see note 7) 534,227.1 13,423.1 373.3 547,276.9 Other corporate/financial institution bonds 36,419.0 352.5 12.3 36,759.2 Debt securities, other than asset and mortgage-backed securities 4,084,551.2 52,977.7 23,281.0 4,114,247.9 Mortgage-backed securities 30.5 1.8 — 32.3 Asset 157,399.9 4,081.5 311.7 161,169.7 Total Rs. 4,241,981.6 Rs. 57,061.0 Rs. 23,592.7 Rs. 4,275,449.9 Total US$ 57,998.1 US$ 780.2 US$ 322.6 US$ 58,455.7 Securities with gross unrealized losses Rs. 1,162,099.9 Securities with gross unrealized gain s 3,113,350.0 Rs. 4,275,449.9 US$ 58,455.7 AFS investments of Rs. 2,876,996.4 million and Rs. 3,524,275.8 million (US$ 48,185.3 million) as of March 31, 2020 and March 31, 2021, 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. 1,760,859.1 million as of March 31, 2020 and Rs. 1,694,645.4 million (US$ 23,169.9 million) as of March 31, 2021, 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. 9,109.0 million as impairment for year ended March 31, 2020 because the Bank intends to sell the securities before recovery of their amortized cost. Amortized cost is net of Rs. million (US$ 39.9 million) as allowance for credit losses for year ended March 31, 2021. There was no allowance recorded as at April 1, 2020 upon adoption of the CECL accounting guidance April 1, 2020. The gross unrealized losses and fair value of available for sale debt securities at March 31, 2020 was as follows: As of March 31, 2020 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. 24,492.8 Rs. 69.8 Rs. 158,735.8 Rs. 1,421.8 Rs. 183,228.6 Rs. 1,491.6 State government securities — — — — — — Government securities outside India — — — — — — Credit substitutes (see note 7) 38,039.9 481.2 18,680.4 196.1 56,720.3 677.3 Other corporate/financial institution bonds 18,626.2 409.6 — — 18,626.2 409.6 Debt securities, other than asset and mortgage-backed securities 81,158.9 960.6 177,416.2 1,617.9 258,575.1 2,578.5 Mortgage-backed securities — — — — — — Asset-backed securities 41,510.7 144.7 846.3 5.3 42,357.0 150.0 Other securities (including mutual fund units) — — — — — — Total Rs. 122,669.6 Rs. 1,105.3 Rs. 178,262.5 Rs. 1,623.2 Rs. 300,932.1 Rs. 2,728.5 The gross unrealized losses and fair value of available for sale debt securities at March 31, 2021 was as follows: As of March 31, 2021 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. 930,710.0 Rs. 20,224.7 Rs. 98.2 Rs. 1.1 Rs. 930,808.2 Rs. 20,225.8 State government securities 133,639.8 2,669.6 — — 133,639.8 2,669.6 Government securities outside India — — — — — — Credit substitutes (see note 7) 43,455.7 373.3 — — 43,455.7 373.3 Other corporate/financial institution 4,957.2 12.3 — — 4,957.2 12.3 Debt securities, other than asset and mortgage-backed securities 1,112,762.7 23,279.9 98.2 1.1 1,112,860.9 23,281.0 Mortgage-backed securities — — — — — — Asset-backed securities 49,239.0 311.7 — — 49,239.0 311.7 Other securities (including mutual fund — — — — — — Total Rs. 1,162,001.7 Rs. 23,591.6 Rs. 98.2 Rs. 1.1 Rs. 1,162,099.9 Rs. 23,592.7 Total US$ 15,887.4 US$ 322.6 US$ 1.3 US$ — US$ 15,888.7 US$ 322.6 As of March 31, 2021 there were 58 number of AFS investments in Government of India securities, State government securities and Government securities outside India with unrealized losses totaling Rs. 22,895.4 million. Upon analysing the debt security portfolios, the Bank determined that no allowance was required as at March 31, 2021 in government issued or backed securities as for these debt securities the risk of loss was deemed minimal. Additionally, none of the remaining AFS investments in debt securities held by the Bank were past due or in non-accrual status as of March 31, 2021. The declines in the market value of these securities were attributable to changes in interest rates and not credit quality, and because the Bank had the ability and intent to hold these investments until there is a recovery in fair value, which may be at maturity, the Bank did not record any allowance for credit losses on any of these securities at March 31, 2021 . Allowances for Available for sale debt Securities as of March 31, 2021 are as follows: As of March 31, 2021 Allowance for Write-offs Addition to credit losses Allowance for (In millions) Government of India securities Rs. — Rs. — Rs. — Rs. — State government securities — — — — Government securities outside India — — — — Credit substitutes — — 2,915.1 2,915.1 Other corporate/financial institution bonds — — — — Debt securities, other than asset and mortgage — — — — Mortgage-backed securities — — — — Asset-backed securities — — — — Other securities (including mutual fund units) — — — — Total Rs. — Rs. — Rs. 2,915.1 Rs. 2,915.1 US$ — US$ — US$ 39.9 US$ 39.9 Credit Quality Indicators The Bank monitors the credit quality of its investment securities through various risk management procedures, including the monitoring of credit ratings. A majority of the debt securities in the Bank’s investment portfolio were issued by Government of India or State government or entities or agencies that are either explicitly or implicitly guaranteed by such governments. The Bank believes the long history of no credit losses on these securities indicates that the expectation of non-payment The average credit rating of the securities comprising the Mortgaged-backed securities and Asset-backed securities was AAA (based upon external ratings where available) as at March 31, 2021. The contractual residual maturity of available for sale debt securities other than asset and mortgage-backed securities as of March 31, 2021 is set out below: As of March 31, 2021 Amortized Cost Fair Value Fair Value (In millions) Within one year Rs. 847,885.7 Rs. 849,275.7 US$ 11,611.6 Over one year through five years 1,362,628.4 1,388,323.5 18,981.7 Over five years through ten years 1,133,763.6 1,145,349.2 15,659.7 Over ten years 740,273.5 731,299.5 9,998.6 Total Rs. 4,084,551.2 Rs. 4,114,247.9 US$ 56,251.6 The contractual residual maturity of available for sale mortgage-backed and asset-backed debt securities as of March 31, 2021 is set out below: As of March 31, 2021 Amortized Cost Fair Value Fair Value (In millions) Within one year Rs. 64,729.1 Rs. 66,238.6 US$ 905.6 Over one year through five years 89,730.9 91,976.6 1,257.5 Over five years through ten years 1,127.6 1,135.9 15.5 Over ten years 1,842.8 1,850.9 25.3 Total Rs. 157,430.4 Rs. 161,202.0 US$ 2,203.9 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, 2019 2020 2021 2021 (In millions) Gross realized gains on sale Rs. 3,788.1 Rs. 26,128.1 Rs. 56,439.4 US$ 771.8 Gross realized losses on sale (1,192.1 ) (301.9 ) (514.2 ) (7.2 ) Realized gains (losses), net 2,596.0 25,826.2 55,925.2 764.6 Dividends and interest 190,992.5 198,383.2 226,690.9 3,099.4 Total Rs. 193,588.5 Rs. 224,209.4 Rs. 282,616.1 US$ 3,864.0
Held-to-maturity Securities
Investments	6. Investments, held to maturity There were no HTM securities as of March 31, 2020 and March 31, 2021 .

Credit substitutes

Credit substitutes	12 Months Ended
	Mar. 31, 2021
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, 2020 and March 31, 2021 were as follows: As of March 31, 2020 2021 Amortized Cost Fair Value Amortized Cost Fair Value (In millions) Available for sale credit substitute debt securities: Debentures Rs. 236,717.2 Rs. 237,980.3 Rs. 524,448.4 Rs. 537,472.8 Commercial pape r 124,024.3 124,393.4 9,778.7 9,804.1 Total Rs. 360,741.5 Rs. 362,373.7 Rs. 534,227.1 Rs. 547,276.9 US$ 7,304.2 US$ 7,482.6 The fair values of credit substitutes by the Bank’s internal credit quality indicators and amounts provided for Impairment losses is as follows: As of March 31, 2020 2021 2021 (In millions) Pass Rs. 362,373.7 Rs. 547,276.9 US$ 7,482.6 Impaired—gross balance — — — Less: Impairment losses — — — Impaired credit substitutes, net — — — Total credit substitutes, net Rs. 362,373.7 Rs. 547,276.9 US$ 7,482.6 The following table provides information on Impaired credit substitutes as at March 31, 2020 and March 31, 2021: As of March 31, 2020 2021 2021 (In millions) Gross impaired credit substitutes Rs — Rs — US$ — Gross impaired credit substitutes by industry Rs. — Rs. — US$ — Average impaired credit substitutes Rs. — Rs. — US$ — Interest income recognized on impaired credit substitutes Rs. — Rs. — US$ — As of March 31, 202 1

Repurchase and resell agreement

Repurchase and resell agreements	12 Months Ended
	Mar. 31, 2021
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 . 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, 2020 and March 31, 2021 were Rs. 250,000.0 million and Rs. 270,060.0 million (US$ 3,692.4 million), respectively(see note 2 3 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, 2020 and March 31, 2021 were Rs. 507,982.0 and Rs. 356,059.2 million (US$ 4,868.2 million), respectively. The Government of India securities are pledged as collateral (see note 2 3

Loans

Loans	12 Months Ended
	Mar. 31, 2021
Loans	9. Loans Loan balances include Rs. 574,064.8 million and Rs. 406,381.7 million (US$ 5,556.2 million) as of March 31, 2020 and March 31, 2021, respectively, which have been provided as collateral for borrowings and are therefore restricted . Loans by facility as of March 31, 2020 and March 31, 2021 were as follows: As of March 31, 2020 2021 2021 (In millions) Retail loans: Auto loans Rs. 952,053.1 Rs. 964,053.2 US$ 13,180.9 Personal loans/Credit cards 1,920,601.6 2,042,727.2 27,929.0 Retail business banking 1,658,770.3 2,007,845.9 27,452.1 Commercial vehicle and construction equipment finance 747,382.4 805,329.8 11,010.8 Housing loans 634,612.4 702,235.5 9,601.3 Other retail loans 1,127,380.6 1,306,641.0 17,864.9 Subtotal Rs. 7,040,800.4 Rs. 7,828,832.6 US$ 107,039.0 Wholesale loans Rs. 3,583,055.2 Rs. 4,214,885.3 US$ 57,627.7 Gross loans 10,623,855.6 12,043,717.9 164,666.7 Less: Allowance for credit losses 198,833.2 343,528.7 4,696.9 Total Rs. 10,425,022.4 Rs. 11,700,189.2 US$ 159,969.8 Loans, other than crop related agricultural loans, are generally placed on non-accrual non-performing non-accrual non-performing t The maturity of gross loans as of March 31, 2021 is set out below: As of March 31, 2021 Wholesale loans Retail loans Total (In millions) Maturity profile of loans: Within one year Rs. 1,877,821.3 Rs. 2,235,330.0 Rs. 4,113,151.3 Over one year through five years 1,475,971.2 4,955,833.2 6,431,804.4 Over five years 861,092.8 637,669.4 1,498,762.2 Total Rs. 4,214,885.3 Rs. 7,828,832.6 Rs. 12,043,717.9 Total US$ 57,627.7 US$ 107,039.0 US$ 164,666.7 The following table provides details of age analysis of loans and finance receivable on non-accrual As of March 31, 2020 31-90 Non-accrual/ Current 1,2 Total Finance receivable on non-accrual status (In millions) Retail Loans Auto loans Rs. 4,049.3 Rs. 15,279.2 Rs. 932,724.6 Rs. 952,053.1 Rs. 15,279.2 Personal loans/Credit card 16,819.3 14,481.7 1,889,300.6 1,920,601.6 14,481.7 Retail business banking 15,210.9 32,866.3 1,610,693.1 1,658,770.3 32,866.3 Commercial vehicle and construction equipment finance 17,679.2 22,992.2 706,711.0 747,382.4 22,992.2 Housing loans 3,330.9 2,921.3 628,360.2 634,612.4 2,921.3 Other retail 13,038.1 33,462.8 1,080,879.7 1,127,380.6 33,462.8 Wholesale loans 5,126.9 35,423.4 3,542,504.9 3,583,055.2 35,423.4 Total Rs. 75,254.6 Rs. 157,426.9 Rs. 10,391,174.1 Rs. 10,623,855.6 Rs. 157,426.9 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 non-performing . As of March 31, 2021 31-90 Non-accrual/ Current 1,2 Total Finance receivable on non-accrual status (In millions) Retail Loans Auto loans Rs. 8,523.6 Rs. 28,476.3 Rs. 927,053.3 Rs. 964,053.2 Rs. 28,476.3 Personal loans/Credit card 25,026.7 37,026.1 1,980,674.4 2,042,727.2 37,026.1 Retail business banking 19,239.0 31,328.9 1,957,278.0 2,007,845.9 31,328.9 Commercial vehicle and construction equipment finance 16,946.0 32,015.3 756,368.5 805,329.8 32,015.3 Housing loans 4,530.8 5,171.9 692,532.8 702,235.5 5,171.9 Other retail 18,535.0 39,584.4 1,248,521.6 1,306,641.0 39,584.4 Wholesale loans 6,277.0 40,179.5 4,168,428.8 4,214,885.3 40,179.5 Total Rs. 99,078.1 Rs. 213,782.4 Rs. 11,730,857.4 Rs. 12,043,717.9 Rs. 213,782.4 Total US$ 1,354.6 US$ 2,923.0 US$ 160,389.1 US$ 164,666.7 US$ 2,923.0 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 non-performing Rs. 33.6 billion. During fiscal 2020 and fiscal 2021, the Bank implemented the packages announced by RBI on account of COVID-19 situation which grants temporary extensions in repayment obligations to the borrowers without any interest or financial concessions. While the moratorium allowed customers (from March to August 2020) to temporarily freeze loan repayments, the loan restructuring packages eased the burden of monthly repayments. Total balance outstanding of such restructured loans as of March 31, 2021 was Rs. 138.4 billion (US$ 1.9 billion) which includes retail loans and wholesale loans of Rs. 137.8 billion and Rs. 0.6 billion respectively. As stipulated by regulatory guidance, the Bank does not place loans with deferrals granted due to COVID-19 on nonaccrual status where such loans are not otherwise reportable as nonaccrual and thus considered in the allowance for loan losses Retail Loans For retail loans 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, 2020 and March 31, 2021 is Rs. 644,672.4 million million The following table provides information on primary credit quality indicator as at March 31, 2021: Term Loans by origination year as at March 31, Credit quality indicators-Internally assigned grade Prior 2017 2018 2019 2020 2021 Revolving Revolving Total (In millions) Auto loans Performing Rs. 4,599.0 Rs. 30,174.9 Rs. 99,159.5 Rs. 168,159.1 Rs. 266,277.0 Rs. 362,747.1 Rs. 4,460.3 Rs. — Rs. 935,576.9 Non-performing 736.9 2,066.2 6,048.0 9,260.9 8,513.0 1,033.0 818.3 — 28,476.3 Subtotal Rs. 5,335.9 Rs. 32,241.1 Rs. 105,207.5 Rs. 177,420.0 Rs. 274,790.0 Rs. 363,780.1 Rs. 5,278.6 Rs. — Rs. 964,053.2 Personal loans/Credit card Performing Rs. 613.8 Rs. 8,617.1 Rs. 48,658.4 Rs. 178,532.3 Rs. 483,925.8 Rs. 638,007.4 Rs. 326,118.9 Rs. 321,227.4 Rs. 2,005,701.1 Non-performing 118.6 601.7 3,144.1 8,704.2 11,381.7 1,162.5 8,259.7 3,653.6 37,026.1 Subtotal Rs. 732.4 Rs. 9,218.8 Rs. 51,802.5 Rs. 187,236.5 Rs. 495,307.5 Rs. 639,169.9 Rs. 334,378.6 Rs . 324,881.0 Rs. 2,042,727.2 Retail business banking Performing Rs. 35,189.0 Rs. 49,573.1 Rs. 121,663.7 Rs. 145,473.9 Rs. 209,578.9 Rs. 480,518.2 Rs. 934,520.2 Rs. — Rs. 1,976,517.0 Non-performing 3,584.6 2,717.7 4,863.1 3,865.9 1,883.4 1,053.4 13,360.8 — 31,328.9 Subtotal Rs. 38,773.6 Rs. 52,290.8 Rs. 126,526.8 Rs. 149,339.8 Rs. 211,462.3 Rs. 481,571.6 Rs. 947,881.0 Rs. — Rs. 2,007,845.9 Commercial vehicle and construction equipment finance Performing Rs. 517.8 Rs. 6,292.2 Rs. 44,766.4 Rs. 146,432.4 Rs. 214,342.4 Rs. 287,953.1 Rs. 73,010.2 Rs. — Rs. 773,314.5 Non-performing 155.9 836.6 4,397.4 11,112.3 10,159.4 1,086.1 4,267.6 — 32,015.3 Subtotal Rs. 673.7 Rs. 7,128.8 Rs. 49,163.8 Rs. 157,544.7 Rs. 224,501.8 Rs. 289,039.2 Rs. 77,277.8 Rs. — Rs. 805,329.8 Housing loans Performing Rs. 272,061.4 Rs. 111,758.9 Rs. 105,069.4 Rs. 152,564.7 Rs. 55,570.3 Rs. 38.9 Rs. — Rs. — Rs. 697,063.6 Non-performing 2,407.3 1,082.6 744.5 865.9 71.6 — — — 5,171.9 Subtotal Rs. 274,468.7 Rs. 112,841.5 Rs. 105,813.9 Rs. 153,430.6 Rs. 55,641.9 Rs. 38.9 Rs. — Rs. — Rs. 702,235.5 Other retail loans Performing Rs. 2,406.7 Rs. 8,530.0 Rs. 20,090.5 Rs. 45,854.0 Rs. 129,946.8 Rs. 483,241.9 Rs. 576,986.7 Rs. — Rs. 1,267,056.6 Non-performing 2,626.0 1,214.6 2,082.0 4,710.1 7,442.1 1,534.0 19,975.6 — 39,584.4 Subtotal Rs. 5,032.7 Rs 9,744.6 Rs. 22,172.5 Rs. 50,564.1 Rs. 137,388.9 Rs. 484,775.9 Rs. 596,962.3 Rs. — Rs. 1,306,641.0 Total Rs. 325,017.0 Rs. 223,465.6 Rs. 460,687.0 Rs. 875,535.7 Rs. 1,399,092.4 Rs. 2,258,375.6 Rs. 1,961,778.3 Rs. 324,881.0 Rs. 7,828,832.6 Total US$ 4,443.8 US$ 3,055.3 US$ 6,298.7 US$ 11,970.7 US$ 19,129.0 US$ 30,877.4 US$ 26,822.2 US$ 4,441.9 US$ 107,039.0 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/non-performing. non-performing The following table provides information on primary credit quality indicator as at March 31, 2021 Term loans by origination year as at March 31, Credit quality Prior 2017 2018 2019 2020 2021 Revolving Loans Total (In millions) Wholesale loans Pass Rs. 3,939.4 Rs. 3,332.3 Rs. 298,631.5 Rs. 324,816.0 Rs. 568,907.1 Rs. 2,007,206.0 Rs. 930,417.0 Rs. 4,137,249.3 L — — 7,503.2 10,194.9 2,427.6 4,073.6 13,257.2 37,456.5 Non-performing 445.8 84.3 10,893.1 4,778.7 1,445.3 2,255.7 20,276.6 40,179.5 Total Rs. 4,385.2 Rs. 3,416.6 Rs. 317,027.8 Rs. 339,789.6 Rs. 572,780.0 Rs. 2,013,535.3 Rs. 963,950.8 Rs. 4,214,885.3 Total US$ 60.0 US$ 46.7 US$ 4,334.5 US$ 4,645.7 US$ 7,831.3 US$ 27,529.9 US$ 13,179.6 US$ 57,627.7 Non-performing As of March 31, 2020 (In millions) Gross non-performing —Agri Production—Food Rs. 22,546.3 —Consumer Loans 21,718.9 —Road Transportation 13,067.6 —Retail Trade 8,823.1 —Food and Beverage 8,137.5 —Others (none greater than 5% of non-performing 83,133.5 Total Rs. 157,426.9 As of March 31, 2021 (In millions) Gross non-performing —Consumer Loans Rs. 47,028.8 US$ 643.0 —Agri Production—Food 21,028.5 287.5 —Road Transportation 18,344.8 250.8 —Retail Trade 17,242.9 235.8 —Agri Allied 10,829.6 148.1 —Others (none greater than 5% of non-performing 99,307.8 1,357.8 Total Rs. 213,782.4 US$ 2,923.0 Summary information relating to non-performing Fiscal year ended March 31, 2019 2020 2021 2021 (In millions) Average non-performing Rs. 50,378.2 Rs. 55,232.3 Rs. 73,435.6 US$ 1,004.0 Interest income recognized on non-performing Rs. 6,994.7 Rs. 10,160.5 Rs. 7,025.3 US$ 96.1 A loan is collateral dependent when the borrower is experiencing financial difficulty and repayment of the loan is dependent on the sale or operation of the underlying collateral. Such loans are carried at fair value based on current values determined by either independent appraisals or internal evaluations, adjusted for selling costs or other amounts to be deducted when estimating expected net sales proceeds. For the period ended March 31, 2021, the Bank did not have collateral dependent loans wherein the borrower is experiencing financial difficulty and the repayment of the loan is dependent on the sale of the underlying collateral Allowance 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 (In millions) Allowance for credit losses, 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 Write-off s (9,155.3 ) (25,197.0 ) (6,665.5 ) (4,812.8 ) (93.3 ) (5,652.0 ) (1,755.7 ) — — (53,331.6 ) Net allowance for credit 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 Allowance for credit losses, 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 Allowance for credit losses: Allowance individually Rs. — Rs. — Rs. — Rs. — Rs. — Rs. — Rs. 20,233.2 Rs. — Rs. — Rs. 20,233.2 Allowance collectively 6,169.0 9,694.0 21,595.3 6,544.8 1,105.2 20,441.5 — 52,941.1 9,507.9 127,998.8 Loans: Loans individually — — — — — — 38,153.7 — — 38,153.7 Loans collectively i 13,606.7 15,781.5 29,945.0 11,254.9 2,157.1 29,523.6 — 6,135,634.8 2,835,407.3 9,073,310.9 * Net allowances for credit losses charged to expense does not include the recoveries against write-off Allowance for credit losses as of March 31, 2020 are as follows: As of March 31, 2020 Specific Unallocated Retail Auto loans Personal Retail Commercial Housing Other Wholesale Retail Wholesale Total (In millions) Allowance for credit losses, 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 Write-off s (11,524.3 ) (41,646.3 ) (9,379.0 ) (10,838.5 ) (130.3 ) (12,833.1 ) (6,328.1 ) — — (92,679.6 ) Net allowance for credit 13,169.8 40,487.4 9,471.1 15,901.0 439.8 16,508.1 12,521.3 31,088.3 3,694.0 143,280.8 Allowance for credit losses, Rs. 7,814.5 Rs. 8,535.1 Rs. 21,687.4 Rs. 11,607.3 Rs. 1,414.7 Rs. 24,116.5 Rs. 26,426.4 Rs. 84,029.4 Rs. 13,201.9 Rs. 198,833.2 Allowance for credit losses: Allowance individually Rs. — Rs. — Rs. — Rs. — Rs. — Rs. — Rs. 26,426.4 Rs.— Rs.— Rs. 26,426.4 Allowance collectively 7,814.5 8,535.1 21,687.4 11,607.3 1,414.7 24,116.5 — 84,029.4 13,201.9 172,406.8 Loans: Loans individually — — — — — — 35,423.4 — — 35,423.4 Loans collectively 15,279.2 14,481.7 32,866.3 22,992.2 2,921.3 33,462.8 — 6,918,796.9 3,547,631.8 10,588,432.2 * Net allowances for credit losses charged to expense does not include the recoveries against write-off The Bank adopted the CECL accounting guidance on April 1, 2020. Allowances for credit losses as of March 31, 2021 are as follows: As at March 31, 2021 Auto loans Personal Retail Commercial Housing Other Wholesale Total Total (In millions) Allowance for credit losses, beginning of the period Rs. 19,219.0 Rs. 47,097.1 Rs. 32,860.3 Rs. 20,463.4 Rs. 1,700.7 Rs. 37,864.3 Rs. 39,628.4 Rs. 198,833.2 US$ 2,718.7 Impact of Adopting ASC 326 9,880.9 38,091.1 3,947.5 325.5 1,659.5 234.3 26,874.2 81,013.0 1,107.6 Write-offs (13,263.5 ) (61,571.8 ) (14,951.6 ) (15,921.5 ) (190.8 ) (9,942.8 ) (3,628.7 ) (119,470.7 ) (1,633.5 ) Net allowance for 23,559.7 86,464.6 20,432.2 21,489.3 1,408.6 21,073.4 8,725.4 183,153.2 2,504.1 Allowance for credit losses, end of the period Rs. 39,396.1 Rs. 110,081.0 Rs. 42,288.4 Rs. 26,356.7 Rs. 4,578.0 Rs. 49,229.2 Rs. 71,599.3 Rs. 343,528.7 US$ 4,696.9 Allowance for Individually Rs. 34.7 Rs. 4.0 Rs. 3,540.7 Rs. 59.6 Rs. — Rs. 72.1 Rs. 33,222.5 Rs. 36,933.6 US$ 505.0 Collectively 39,361.4 110,077.0 38,747.7 26,297.1 4,578.0 49,157.1 38,376.8 306,595.1 4,191.9 Loans: — — — — — — — — Individually s 49.5 4.2 3,560.8 59.7 — 92.7 42,786.8 46,553.7 636.5 Collectively evaluated 964,003.7 2,042,723.0 2,004,285.1 805,270.1 702,235.5 1,306,548.3 4,172,098.5 11,997,164.2 164,030.2 * Net allowances for credit losses charged to expense does not include the recoveries against write-off The allowance for credit losses is assessed at each period end and the increase/(decrease), as the case may be is recorded in the income statement under provision for credit losses net of recoveries against write-offs. 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 loan-by-loan Fiscal year ended March 31, 2020 Carrying TDRs involving TDRs involving TDRs involving Balance of Net P&L (In millions) Retail Loans: Retail business banking Rs. 964.1 Rs. — Rs. 964.1 Rs. — Rs. — Rs. 43.1 Commercial vehicle and construction equipment finance — — — — — — Wholesale loans — — — — — — Total (4) Rs. 964.1 Rs. — Rs. 964.1 Rs. — Rs. — Rs. 43.1 (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, 2020 comprised of 13 cases . There were nil Interest on loans by facility are as follows: Fiscal year ended March 31, 2019 2020 2021 2021 (In millions) Wholesale loans Rs. 199,928.0 Rs. 245,504.7 Rs. 263,190.7 US$ 3,598.5 Retail loans 627,755.0 736,290.1 753,857.1 10,307.0 Total Rs. 827,683.0 Rs. 981,794.8 Rs. 1,017,047.8 US$ 13,905.5

Concentrations of credit risk

Concentrations of credit risk	12 Months Ended
	Mar. 31, 2021
Concentrations of credit risk	10. 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, 2020 Category Gross loans Fair Values Of Non-funded Total % (In millions, except percentages) Consumer Loans Rs.2,958,437.7 Rs.2,756.6 Rs.446.4 Rs.2,961,640.7 24.3 Retail Trade 533,155.3 343.7 22,820.3 556,319.3 4.6 Power 458,628.1 48,997.7 41,445.6 549,071.4 4.5 Consumer Services 399,046.4 2,015.1 19,135.9 420,197.4 3.4 Engineering 240,196.0 12,255.3 144,296.9 396,748.2 3.2 NBFC 317,450.0 76,860.2 1,659.1 395,969.3 3.2 Road Transportation 376,334.2 495.3 10,849.7 387,679.2 3.2 Automobile & Auto Ancillary 330,632.5 18,397.9 33,037.0 382,067.4 3.1 Real Estate & Property Services 280,870.4 4,309.5 36,335.2 321,515.1 2.6 Agri Production — Food 313,143.6 — 833.3 313,976.9 2.6 Coal & Petroleum Products 136,531.9 33,834.9 115,440.2 285,807.0 2.3 Food and Beverage 260,907.9 1,391.3 21,853.6 284,152.8 2.3 Financial Institutions 219,417.5 59,118.8 2,058.7 280,595.0 2.3 Iron and Steel 231,524.9 1,144.7 45,235.4 277,905.0 2.3 Telecom 232,932.0 10,412.6 29,949.6 273,294.2 2.2 Infrastructure Development 165,578.8 2,457.1 104,731.8 272,767.7 2.2 Business Services 244,028.7 2,278.5 15,953.3 262,260.5 2.1 Wholesale Trade — Non Industrial 238,436.5 — 18,766.1 257,202.6 2.1 Wholesale Trade — Industrial 211,849.6 34.2 34,840.2 246,724.0 2.0 Others (none greater than 2%) 2,474,753.6 85,270.3 525,004.6 3,085,028.5 25.5 Total Rs.10,623,855.6 Rs.362,373.7 Rs.1,224,692.9 Rs.12,210,922.2 100.0 As of March 31, 202 1 Category Gross loans Fair Values Of Non-funded Total Total % (In millions, except percentages) Consumer Loans Rs.3,241,292.9 Rs.— Rs.2,578.6 Rs.3,243,871.5 US$ 44,351.5 23.5 Power 630,189.4 76,449.1 30,299.7 736,938.2 10,075.7 5.3 Retail Trade 540,350.3 — 21,747.7 562,098.0 7,685.2 4.1 NBFC 415,787.6 83,596.5 2,789.6 502,173.7 6,865.9 3.6 Financial Institutions 443,257.3 21,147.1 3.7 464,408.1 6,349.6 3.4 Consumer Services 424,765.4 2,048.0 17,743.6 444,557.0 6,078.2 3.2 Automobile & Auto Ancillary 381,562.7 18,556.9 35,757.0 435,876.6 5,959.5 3.2 Coal & Petroleum Products 172,989.4 190,457.8 59,803.5 423,250.7 5,786.9 3.1 Road Transportation 368,388.5 — 8,572.3 376,960.8 5,154.0 2.7 Infrastructure Development 167,416.1 15,879.7 190,154.9 373,450.7 5,106.0 2.7 Food and Beverage 342,573.5 240.4 29,321.5 372,135.4 5,088.0 2.7 Real Estate & Property Services 298,277.1 4,872.2 35,737.9 338,887.2 4,633.4 2.5 Agri Production — Food 337,904.8 — 998.1 338,902.9 4,633.6 2.5 Wholesale Trade — Non Industrial 301,508.2 2,065.6 17,816.8 321,390.6 4,394.2 2.3 Iron and Steel 248,140.2 13,116.6 53,192.5 314,449.3 4,299.3 2.3 Wholesale Trade — Industrial 258,854.1 — 51,891.6 310,745.7 4,248.6 2.3 Textiles & Garments 257,577.9 6,882.2 27,498.8 291,958.9 3,991.8 2.1 Engineering 189,952.7 6,448.4 92,218.6 288,619.7 3,946.1 2.1 Others (none greater than 2%) 3,022,929.8 105,516.4 538,019.5 3,666,465.7 50,129.4 26.4 Total Rs.12,043,717.9 Rs.547,276.9 Rs.1,216,145.9 Rs.13,807,140.7 US$ 188,776.9 100.0 The Bank’s ten largest exposures as of March 31, 2020 and March 31, 2021, based on the higher of the outstanding balance or the limit on loans, investments (including credit substitutes) and non-funded As of March 31, 2020 Funded Non-Funded Total (In millions) Borrower 1 Rs.243,382.8 Rs.1,200.0 Rs.244,582.8 Borrower 2 180,100.0 305.1 180,405.1 Borrower 3 163,738.7 610.9 164,349.6 Borrower 4 74,421.4 75,432.2 149,853.6 Borrower 5 135,455.0 — 135,455.0 Borrower 6 31,934.6 55,651.4 87,586.0 Borrower 7 63,228.0 15,355.2 78,583.2 Borrower 8 75,035.9 221.6 75,257.5 Borrower 9 75,027.7 182.8 75,210.5 Borrower 10 51,361.3 22,128.1 73,489.4 As of March 31, 2021 Funded Non-Funded Total Total (In millions) Borrower 1 Rs. 302,918.5 Rs. 500.0 Rs. 303,418.5 US$ 4,148.5 Borrower 2 192,080.2 61,446.2 253,526.4 3,466.3 Borrower 3 195,480.0 — 195,480.0 2,672.7 Borrower 4 154,997.8 548.1 155,545.9 2,126.7 Borrower 5 150,000.0 489.2 150,489.2 2,057.5 Borrower 6 148,107.3 — 148,107.3 2,025.0 Borrower 7 3,830.9 100,477.6 104,308.5 1,426.1 Borrower 8 98,919.7 2,000.0 100,919.7 1,379.8 Borrower 9 75,437.8 22,268.4 97,706.2 1,335.9 Borrower 10 90,108.0 — 90,108.0 1,232.0

Property and equipment

Property and equipment	12 Months Ended
	Mar. 31, 2021
Property and equipment	11 . Property and equipment Property and equipment by asset category is as follows: As of March 31, 2020 2021 2021 (In millions) Land and premises Rs.19,567.6 Rs.21,205.2 US$ 289.9 Software and systems 33,433.9 37,134.2 507.7 Equipment and furniture 82,179.1 92,610.9 1,266.2 Property and equipment, at cost 135,180.6 150,950.3 2,063.8 Less: Accumulated depreciation 86,852.9 97,855.9 1,337.9 Property and equipment, net Rs.48,327.7 Rs.53,094.4 US$ 725.9 Depreciation and amortization charged for the years ended March 31, 2019, March 31, 2020 and March 31, 2021 was Rs. 12,247.8 million, Rs. 12,800.3 million and Rs. 13,860.2 million (US$ 189.5 million), respectively.

Goodwill and other intangible a

Goodwill and other intangible assets	12 Months Ended
	Mar. 31, 2021
Goodwill and other intangible assets	12 . 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$ 1,024.6 million) for the fiscal year ended March 31, 2020 and the year ended March 31, 2021. The entire amount of goodwill was allocated to the retail business. The net carrying amount, in total and by class of intangible assets as of March 31, 2020 and March 31, 2021 was nil. The aggregate amortization charged for the years ended March 31, 2019, March 31, 2020 and March 31, 2021 was Rs. 1.0 million, nil and nil, respectively .

Other assets

Other assets	12 Months Ended
	Mar. 31, 2021
Other assets	13 . Other assets Other assets include the following: As of March 31, 2020 2021 2021 (In millions) Security deposits for leased property Rs . Rs. US$ 75.0 Sundry accounts receivable 55,379.5 46,755.4 639.3 Advance income tax (net of current tax expense) 25,140.7 33,915.5 463.7 Advances 7,639.3 7,790.4 106.5 Prepaid expenses 1,374.6 1,963.8 26.8 Deposits/Margins paid 15,226.9 12,125.1 165.8 Derivatives (refer to note 2 3 190,537.6 84,406.7 1,154.0 Term placements 109,372.8 105,204.8 1,438.4 Receivable on account of trade date 221,960.9 4,928.5 67.4 Right-of-use 60,756.9 64,548.8 882.5 Others* 44,552.6 89,850.5 1,228.5 Total Rs . 737,352.1 Rs. 456,972.8 US$ 6,247.9 * Others include equity securities with carrying value amounting to Rs. 11,611.2 million and Rs. 20,600.1

Deposits

Deposits	12 Months Ended
	Mar. 31, 2021
Deposits	14 . Deposits Deposits include demand deposits, which are non-interest-bearing, As of March 31, 2020 2021 2021 (In millions) Interest-bearing: Savings deposits Rs.3,103,769.5 Rs.4,034,924.8 US$ 55,167.1 Time deposits 6,626,711.8 7,191,543.0 98,325.8 Total interest-bearing deposits 9,730,481.3 11,226,467.8 153,492.9 Non-interest-bearing 1,731,590.0 2,110,762.4 28,859.2 Total Rs.11,462,071.3 Rs.13,337,230.2 US$ 182,352.1 As of March 31, 2020 and March 31, 2021, time deposits of Rs. 5,233,225.0 million and Rs. 5,901,654.6 million, respectively, had a residual maturity of one year or less. The remaining deposits mature between one As of March 31, 2020 and March 31, 2021, time deposits in excess of Rs. 0.1 million aggregated Rs. 6,397,698.1 million and Rs. 6,969,220.2 million, respectively. As of March 31, 2021, the scheduled maturities for total time deposits were as follows: As of March 31, 2021 (In millions) Due to mature in the fiscal year ending March 31: 2022 Rs. 5,901,654.6 US$ 80,689.8 2023 739,927.7 10,116.6 2024 227,574.0 3,111.5 2025 62,326.9 852.2 2026 205,134.6 2,804.7 Thereafter 54,925.2 751.0 Total Rs. 7,191,543.0 US$ 98,325.8

Short-term borrowings

Short-term borrowings	12 Months Ended
	Mar. 31, 2021
Short-term borrowings	15 . 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, 2020 and March 31, 2021 comprised of the following: As of March 31, 2020 2021 2021 (In millions) Borrowed in the call market Rs. 11,339.8 Rs. 8,860.5 US$ 121.1 Term borrowings from institutions/banks 73,737.9 27,411.6 374.8 Foreign currency borrowings 292,339.9 202,992.0 2,775.4 Total Rs. 377,417.6 Rs. 239,264.1 US$ 3,271.3 Total borrowings outstanding: Maximum amount outstanding Rs. 971,364.0 Rs. 384,035.9 US$ 5,250.7 Average amount outstanding Rs. 493,786.9 Rs. 223,582.3 US$ 3,056.9 Weighted average interest rate 3.2 % 1.4 % 1.4 %

Long-term debt

Long-term debt	12 Months Ended
	Mar. 31, 2021
Long-term debt	16 . Long-term debt Long-term debt as of March 31, 2020 and March 31, 2021 comprised of the following: As of March 31, 2020 2021 2021 (In millions) Subordinated debt Rs. 218,755.0 Rs. 211,270.0 US$ 2,888.6 Others* 808,222.0 964,014.9 13,180.4 Less: Debt issuance cost (458.7 ) (526.7 ) (7.2 ) Total Rs. 1,026,518.3 Rs. 1,174,758.2 US$ 16,061.8 * Includes securities sold under repurchase agreements amounting to Rs. 17,260.0 million with stated interest rate of 5.15% per annum and Rs. 90,200.0 ( US$ % per annum for the year The below table presents the balance of long-term debt as of March 31, 2020 and March 31, 2021 and the related contractual rates and maturity dates: As of, March 31, 2020 March 31, 2021 Maturity / Stated interest rates Total Maturity / Stated interest rates Total Total (In millions) Subordinated debt Subordinated debt (other than perpetual debt) 2021-2030 7.56% to 10.20% Rs. 133,730.8 2022-2031 7.35% to 10.20% Rs. 126,240.0 US$ 1,726.0 Perpetual debt 2023-2030 8.84% to 9.70% 84,972.7 2023-2030 8.84% to 9.70% 84,976.1 1,161.8 Others* Variable rate—(1) 2021-2023 0.80% to 2.87% 59,018.7 2022-2024 0.11% to 1.33% 50,935.8 696.4 Variable rate—(2) 2021-2024 7.50% to 8.95% 118,083.8 2022-2025 5.90% to 7.75% 97,418.0 1,331.9 Fixed rate—(1) 2021-2030 4.15% to 9.56% 630,712.3 2022-2032 2.80% to 9.56% 815,188.3 11,145.7 Total Rs. 1,026,518.3 Rs. 1,174,758.2 US$ 16,061.8 * 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, 2021 (In millions) Due in the twelve months ending March 31: 2022 Rs. 98,617.5 US$ 1,348.3 2023 336,114.4 4,595.5 2024 210,475.8 2,877.7 2025 133,798.1 1,829.3 2026 29,748.7 406.7 Thereafter 281,027.6 3,842.3 Total (1) Rs. 1,089,782.1 US$ 14,899.8 (1) The  scheduled maturities of long-term debt do not include perpetual bonds of Rs. 84,976.1 million (net of debt issuance cost). During the fiscal year ended March 31, 2021 the Bank issued subordinated debt amounting to Rs. 3,565.0 million 5,435.0 million) and perpetual debt amounting to nil (previous period Rs. 2,000.0 million). During the fiscal year ended March 31, 2021 the Bank also raised other long-term debt amounting to Rs. 478,424.2 million (previous period Rs. 264,669.7 million). As of March 31, 2020 and March 31, 2021, other long-term debt includes foreign currency borrowings from other banks aggregating to Rs. 59,392.3 million and Rs. 51,188.9 million, respectively, and functional currency borrowings aggregating to Rs. 748,829.7 million and Rs. 912,826.0 million,

Accrued expenses and other liab

Accrued expenses and other liabilities	12 Months Ended
	Mar. 31, 2021
Accrued expenses and other liabilities	17 . Accrued expenses and other liabilities Accrued expenses and other liabilities include the amounts set forth below: As of March 31, 2020 2021 2021 (In millions) Bills payable Rs. 75,837.2 Rs. 124,241.9 US$ 1,698.7 Remittances in transit 35,507.3 54,657.2 747.3 Accrued expenses 54,898.3 69,103.2 944.8 Accounts payable 103,386.2 143,827.0 1,966.5 Der ivat 3 184,783.0 81,880.0 1,119.5 Lease liabilities 65,615.1 70,422.0 962.8 Others 91,300.1 86,965.1 1,189.0 Total Rs. 611,327.2 Rs. 631,096.4 US$ 8,628.6 The Bank amortizes annual fees on credit cards over the contractual period of the fees. The unamortized annual fees as of March 31, 2020 and March 31, 2021 was Rs. 786.8 million and Rs. 1,097.4 million (US$ 15.0 million), respectively.

Accumulated other comprehensive

Accumulated other comprehensive income	12 Months Ended
	Mar. 31, 2021
Accumulated other comprehensive income	18 . 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, 2020 and March 31, 2021. Available for Foreign currency Total (In millions) Balance, March 31, 2019 Rs. 10,474.3 Rs. 1,334.5 Rs. 11,808.8 Net unrealized gain/(loss) arising during the period 47,574.2 1,771.7 49,345.9 Amounts reclassified to income (8,823.1 ) — (8,823.1 ) Balance, March 31, 2020 Rs. 49,225.4 Rs. 3,106.2 Rs. 52,331.6 Balance, March 31, 2020 Rs. 49,225.4 Rs. 3,106.2 Rs. 52,331.6 Net unrealized gain/(loss) arising during the period (740.6 ) (1,132.8 ) (1,873.4 ) Amounts reclassified to incom e (23,271.9 ) — (23,271.9 ) Balance, March 31, 2021 Rs. 25,212.9 Rs. 1,973.4 Rs. 27,186.3 Balance, March 31, 2021 US$ 344.7 US$ 27.0 US$ 371.7 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, 2020 and March 31, 2021. As of March 31, 2020 2021 2021 (In millions) Available for sale debt securities: Realized (gain)/loss on sales of available for sale debt securities, net Rs. (22,671.3 ) Rs. (34,014.8 ) US$ (465.1 ) Allowance 9,109.0 2,915.1 39.9 Total before income tax Rs. (13,562.3 ) Rs. (31,099.7 ) US$ (425.2 ) Income tax 4,739.2 7,827.8 107.0 Net of income tax Rs. (8,823.1 ) Rs. (23,271.9 ) US$ (318.2 )

Non-interest revenue

Non-interest revenue	12 Months Ended
	Mar. 31, 2021
Non-interest revenue	19. 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 include fees earned from merchant acquiring business and on Credit, Debit, Prepaid or 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 12 months. Payments business fees includes fees earned from merchants net of interchange expenses paid to issuing banks, rentals from point of sale machines and merchant service charges . The table below presents the fees and commissions disaggregated by revenue source for the fiscal years ended March 31, 2019, March 31, 2020 and March 31, 2021. Fiscal years ended March 31, 2019 2020 2021 2021 (In millions) Deposit related fees Rs. 25,383.0 Rs. 29,031.9 Rs. 28,150.4 US$ 384.9 Lending related fees 30,176.2 30,699.9 30,973.1 423.5 Third-party products related fees 22,000.4 28,169.6 35,733.0 488.6 Payments and cards business fees 47,012.4 58,899.3 50,758.2 694.0 Others 9,583.2 13,298.8 19,795.7 270.6 Fees and commissions Rs. 134,155.2 Rs. 160,099.5 Rs. 165,410.4 US$ 2,261.6 The table below presents the fees and commission disaggregated by segment for the fiscal years ended March 31, 2019, March 31, 2020 and March 31, 2021. Fiscal year ended March 31, 2019 2020 2021 2021 (In millions) Retail Banking Rs.123,070.6 Rs.146,855.7 Rs.153,018.2 US$ 2,092.1 Wholesale Banking 10,839.6 13,041.6 11,712.7 160.1 Treasury Services 245.0 202.2 679.5 9.4 Fees and commissions Rs.134,155.2 Rs.160,099.5 Rs.165,410.4 US$ 2,261.6

Income taxes

Income taxes	12 Months Ended
	Mar. 31, 2021
Income taxes	20 . Income taxes Income tax expense is comprised of the following: Fiscal year ended March 31, 2019 2020 2021 2021 (In millions) Current tax expense Rs.128,050.2 Rs.105,587.8 Rs.122,087.4 US$ 1,669.1 Deferred tax (benefit) expense (8,129.4 ) (101.2 ) (8,267.3 ) (112.9 ) Interest on income tax refund (527.3 ) (6.6 ) — — Income tax expense Rs.119,393.5 Rs.105,480.0 Rs.113,820.1 US$ 1,556.2 Income tax expense (benefit) as at March 31, 2021 was recorded (i) in retained earnings for the tax effect of ASU 2016-13 for current expected credit losses (CECL) Rs. (21,016.0) million, (ii) in other comprehensive income Rs. (8,457.8) million. Income before income tax expense and income tax expense are substantially all from India. On December 12, 2019, the India Taxation Laws (Amendment) Act, 2019, was promulgated, which provided domestic companies with an option to pay income tax at the rate of 22 percent (previously 30 percent), provided they do not claim certain deductions under the Income Tax Act with effect from the financial year 2019-20 . during the year ended March 31, 2020 available at the time of the law thereof, effective from financial year 2019-20. The following is a reconciliation of income taxes at the Indian statutory income tax rate to income tax expense as reported: Fiscal year ended March 31, 2019 2020 2021 2021 (In millions) Income before income tax expense Rs.339,959.0 Rs.365,844.0 Rs.439,826.5 US$ 6,013.6 Statutory income tax rate 34.94 % 25.17 % 25.17 % 25.17 % Expected income tax expense 118,795.3 92,075.6 110,695.5 1,513.5 Adjustments to reconcile expected income tax to actual tax expense Interest on income tax refund (343.0 ) (4.9 ) — — Stock based compensation 1,867.2 1,881.6 2,668.7 36.5 Income exempt from taxes (1,422.8 ) (744.2 ) (62.3 ) (0.9 ) Effect of change in statutory income tax rate — 11,213.2 — — Others, net 496.8 1,058.7 518.2 7.1 Income tax expense Rs.119,393.5 Rs.105,480.0 Rs.113,820.1 US$ 1,556.2 The tax effects of significant temporary differences are as follows: As of March 31, 2020 2021 2021 (In millions) Tax effect of: Deductible temporary differences: Allowance for loan losses Rs.37,561.2 Rs.67,584.1 US$ 924.0 Lease liabilities 16,514.0 17,723.8 242.3 Employee benefits 1,415.0 752.3 10.3 Accrued expenses and other liabilities 3,381.2 4,997.1 68.3 Others 1,769.4 1,904.4 26.1 Deferred tax asset 60,640.8 92,961.7 1,271.0 Taxable temporary differences: Right-of-use 16,514.0 17,723.8 242.3 Investments available for sale debt securities 16,644.6 8,567.9 117.1 Loan origination cost and fees 3,373.3 3,456.0 47.3 Investments, others 1,510.2 2,874.2 39.3 Deferred tax liability 38,042.1 32,621.9 446.0 Net deferred tax asset (liability) Rs.22,598.7 Rs.60,339.8 US$ 825.0 Management believes that the realization of the recognized deferred tax assets is more likely than not and the realization is based on a combination of reversing taxable temporary differences and expectations as to future pretax income. The total unrecognized tax benefit as of March 31, 2020 and March 31, 2021 is Rs. 37,103.2 million and Rs. 43,048.0 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 2019 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, 2020 2021 2021 (In millions) Opening balance Rs. 14,448.1 Rs. 37,103.2 US$ 507.3 Decrease related to prior year tax positions — (221.5 ) (3.0 ) Increase related to prior year tax positions 16,274.4 892.8 12.2 Increase related to current year tax positions Rs. 6,380.7 Rs. 5,273.5 US$ 72.1 Closing balanc e Rs. 37,103.2 Rs. 43,048.0 US$ 588.6 The Bank’s total unrecognized tax benefits, if recognized, would reduce the income tax expense by Rs. 37,103.2 million and Rs. 43,048.0 million as of March 31, 2020 and March 31, 2021, respectively, and thereby would affect the Bank’s effective tax rate. Unrecognized tax benefits are unrecognized refund claims. 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.

Stock-based compensation

Stock-based compensation	12 Months Ended
	Mar. 31, 2021
Stock-based compensation	21. Stock-based compensation By way of an ordinary resolution on July 12, 2019, the shareholders of the Bank approved a subdivision (stock split) of the Bank’s equity shares to reduce the face value of each equity share from Rs. 2.0 to Rs. 1.0 per equity share effective as of September 20, 2019. The number of issued and subscribed equity shares increased to 5,470,763,894 shares of par value Rs. 1.0 each. All share/ADS and per share/ADS data reflect the effect of the stock split retroactively. One ADS continues to represent three equity shares. 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 100.0 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 150.0 million equity shares with an aggregate nominal value of Rs.150.0 million. The Bank reserved 200.0 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. On August 3, 2019 the Nomination and Remuneration Committee of the Board approved, under Plan G, the grant of 578,000 options (Scheme XXXII) to the employees of the Bank. On October 19, 2019 the Nomination and Remuneration Committee of the Board approved, under Plan G, the grant of 46,175,200 options (Scheme XXXIII) to the employees of the Bank. On March 21, 2020 the Nomination and Remuneration Committee of the Board approved, under Plan G, the grant of 1,020,400 options (Scheme XXXIV) to the employees of the Bank. On October 20 , 2020 the Nomination and Remuneration Committee of the Board approved, under Plan G, the grant of 57,466,600 options (Scheme XXXV) to the employees of the Bank. Modification of employee stock option schemes During the periods ended March 31, 2019, March 31, 2020 and March 31, 2021, 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, 2019 2020 2021 Dividend yield 0.62%-0.65% 0.61%-0.85% 0.61% Expected volatility 14.53%-18.68% 15.30%-20.13% 20.13%-28.93% Risk-free interest rate 7.23%-8.31% 5.81%-6.70% 4.63%-5.75% Expected term (in years) 2.78-5.16 2.82-5.42 2.65-5.43 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 2019 2020 2021 Options available to be granted, beginning of period 235,683,200 202,413,370 159,487,350 Equity shares allocated for grant under the plan — — — Options granted (39,790,000 ) (47,773,600 ) (57,466,600 ) Forfeited/lapsed 6,520,170 4,847,580 2,673,420 Options available to be granted, end of period 202,413,370 159,487,350 104,694,170 Activity in the options outstanding under the Employee Stock Option Scheme is as follows: Years ended March 31 2019 2020 2021 Options Weighted Options Weighted Options Weighted Options outstanding, beginning of period 150,887,600 Rs. 525.11 136,612,822 Rs. 682.99 142,865,602 Rs. 899.03 Granted 39,790,000 1,030.24 47,773,600 1,220.13 57,466,600 1,235.80 Exercised (47,544,608 ) 462.89 (36,673,240 ) 504.10 (29,490,022 ) 596.85 Forfeited (6,410,770 ) 759.21 (4,813,580 ) 965.64 (2,032,110 ) 1,163.29 Lapsed (109,400 ) 418.55 (34,000 ) 568.10 (641,310 ) 929.57 Options outstanding, end of period 136,612,822 Rs. 682.99 142,865,602 Rs. 899.03 168,168,760 Rs. 1,063.79 Options exercisable, end of period 80,609,722 Rs. 508.89 64,464,392 Rs. 638.18 64,453,260 Rs. 834.48 Weighted average fair value of options granted during the year Rs. 262.79 Rs. 305.78 Rs. 320.42 The following summarizes information about stock options outstanding as of March 31, 2021: As of March 31 2021 Plan Range of exercise price Number of Weighted Weighted Plan C Rs.417.75 (or US$ 5.71) 9,700 0.32 417.75 Plan F Rs.417.75 to Rs. 731.08 (or US$ 5.71 to US$ 10.00) 34,974,270 1.48 610.67 Plan G Rs.882.85 to Rs. 1,235.80 (or US$ 12.07 to US$ 16.90) 133,184,790 3.18 1,182.83 The intrinsic value, of options exercised during the years ended March 31, 2019, March 31, 2020 and March 31, 2021 at grant date was nil, nil and nil, respectively, and at exercise date was Rs. 33,117.4 million, Rs. 13,339.6 million and Rs. 26,446.8 million, respectively. The aggregate intrinsic value as of grant date and as at March 31, 2021 attributable to options which are outstanding as on March 31, 2021 was Rs. 0.5 million (previous year Rs. 0.5 million) and Rs. 72,288.5 million (previous year Rs. 17,418.0 million), respectively. The aggregate intrinsic value as at grant date and as at March 31, 2021 attributable to options exercisable as on March 31, 2021 was Rs. 0.5 million (previous year 0.4 million) and was Rs. 42,485.6 million (previous year Rs. 16,291.8 million), respectively. Total stock compensation cost recognized under these plans was Rs. 5,343.3 million, However, no income tax benefit is recognized with respect to the said stock compensation costs. As of March 31, 2021, there were 103,715,500 (previous year 78,401,210) unvested options with weighted average exercise price of Rs. 1,206.3 (previous year Rs. 1,113.5) and aggregate intrinsic value at grant date and as at March 31, 202 1

Retirement benefits

Retirement benefits	12 Months Ended
	Mar. 31, 2021
Retirement benefits	22. 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, 2020 and March 31, 2021: As of March 31 2020 2021 2021 (In millions) Change in benefit obligations: Projected benefit obligation (“PBO”), beginning of the period Rs. 6,653.5 Rs. 7,883.0 US$ 107.8 Service cost 965.4 1,107.0 15.1 Interest cost 483.3 561.6 7.7 Actuarial(gains)/ losses 368.9 759.4 10.4 Benefits paid (588.1 ) (491.4 ) (6.7 ) Projected benefit obligation, end of the period 7,883.0 9,819.6 134.3 Change in plan assets: Fair value of plan assets, beginning of the period 5,501.8 5,779.8 79.1 Expected return on plan assets 389.9 448.4 6.1 Actuarial gains/(losses) (620.5 ) 1,223.0 16.7 Actual return on plan assets (230.6 ) 1671.4 22.80 Employer contributions 1,096.7 1384.8 18.9 Benefits paid (588.1 ) (491.4 ) (6.7 ) Fair value of plan assets, end of the period 5,779.8 8,344.6 114.10 Funded Status Rs. (2,103.2) Rs. (1,475.0) US$ (20.2) The Bank’s expected contribution to the gratuity fund for the next fiscal year is estimated at Rs. 1,925.6 million. The accumulated benefit obligation as of March 31, 2020 and March 31, 2021 was Rs. 5,005.9 million and Rs. 5,455.6 million, respectively. The vested accumulated benefit obligation as on March 31, 2020 and March 31, 2021 was Rs. 4,381.2 million and Rs. 4,727.7 million, respectively. Net gratuity cost for the years ended March 31 2019 31 2020 31 2021 Fiscal years ended March 31 2019 2020 2021 2021 (In millions) Service cost Rs. 820.6 Rs. 965.4 Rs. 1,107.0 US$ 15.1 Interest cost 476.7 483.3 561.6 7.7 Expected return on plan assets (347.4 ) (389.9 ) (448.4 ) (6.1 ) Actuarial (gains)/losse s (176.6 ) 989.4 (463.6 ) (6.3 ) Net gratuity cost Rs. 773.3 Rs. 2,048.2 Rs. 756.6 US$ The assumptions used in accounting for the gratuity plan are set out below: Fiscal years ended March 31 2019 2020 2021 (% per annum) Discount rate* 7.2-8.4 6.0-7.5 4.4-7.0 Rate of increase in compensation levels of covered employees 5.0 - 9.0 7.0 - 8.0 5.0 - 9.0 Rate of return on plan assets 7.0 - 7.2 6.0 - 7.0 4.4 - 7.0 Mortality rates used are based on the published “Indian Assured Lives Mortality (2012-2014) * 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) 2022 Rs. 1,271.4 2023 1,058.3 2024 927.5 2025 837.2 2026 746.1 2027 - 2031 3,017.0 The expected benefit payments are based on the same assumptions used to measure the Bank’s benefit obligations as of March 31 2021 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, 2021, the plan assets as a percentage of the total funds were as follows: As of March 31 2021 Funds managed (1) Funds managed (2) Funds Government securities 79.5 % 22.7 % 36.5 % Debenture and bonds 14.0 % 26.2 % 51.9 % Equity securities 5.7 % 46.1 % — Other 0.8 % 5.0 % 11.6 % 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 2021 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, 2020 and March 31, 2021: As of March 31, 2020 2021 2021 (In millions) Change in benefit obligations: Projected benefit obligation (“PBO”), beginning of the period Rs. 677.6 Rs. 598.2 US$ 8.2 Service cost 6.5 14.6 0.2 Interest cost 45.3 37.7 0.5 Actuarial (gains)/losses 15.3 327.9 4.5 Benefits paid (146.5 ) (116.4 ) (1.6 ) Projected benefit obligation, end of the period 598.2 862.0 11.8 Change in plan assets: Fair value of plan assets, beginning of the period 219.5 95.2 1.3 Expected return on plan assets 11.0 3.2 — Actuarial gains/(losses) 2.9 (1.7 ) — Actual return on plan assets 13.9 1.5 — Employer contributions 8.3 23.0 0.3 Benefits paid (146.5 ) (116.4 ) (1.6 ) Fair value of plan assets, end of the period 95.2 3.3 — Funded Statu s Rs. (503.0) Rs. (858.7) US$ (11.8) The Bank’s expected contribution to the pension fund for the next fiscal year is estimated at Rs. 227.2 million. The accumulated benefit obligation as of March 31, 2020 and March 31, 2021 was Rs. 387.0 million and Rs. 364.2 million, respectively. The vested accumulated benefit obligation as of March 31, 2020 and March 31, 2021 was Rs. 241.3 million and Rs. 362.9 million, respectively. Net pension cost for the years ended March 31, 2018, March 31, 2019 and March 31, 2020 was comprised of the following components: As of March 31, 2019 2020 2021 2021 (In millions) Service cost Rs. 7.7 Rs. 6.5 Rs. 14.6 US$ 0.20 Interest cost 66.3 45.3 37.7 0.50 Expected return on plan asset s (18.6 ) (11.0 ) (3.2 ) — Actuarial (gains)/losses 1.7 12.4 329.6 4.50 Net pension cost Rs. 57.1 Rs. 53.2 Rs. 378.7 US$ 5.2 The assumptions used in accounting for the pension plan are set out below: Fiscal years ended March 31, 2019 2020 2021 (% per annum) Discount rate* 8.4 7.5 7.0 Rate of increase in compensation levels of covered employees 8.0 7.0 7.0 Rate of return on plan assets 7.0 7.0 6.5 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) 2022 Rs. 227.7 2023 94.1 2024 147.8 2025 126.6 2026 42.4 2027-2031 625.6 The expected benefits are based on the same assumptions used to measure the Bank’s benefit obligations as of March 31, 2021. 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, 2021 is as follows: Asset category Funds managed Government securities 54.5 % Debenture and bonds 45.5 % Other — % 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 30 – 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, 2020 and March 31, 2021 are summarized in the table below. As of March 31, 2020 As of March 31, 2021 Level 1 Level 2 Level 3 Level 1 Level 2 Level 3 (In millions) Funds managed by insurance company (1) Rs. — Rs. — Rs. 600.2 Rs. — Rs. — Rs. 664.1 Funds managed by insurance company (2) — 4,937.3 — — 7,445.5 — Funds managed by trust — Government securities — 110.8 — — 87.6 — — Debenture and bonds — 108.7 — — 123.5 — — Others 118.0 — — 27.2 — — Total Rs. 118.0 Rs. 5,156.8 Rs. 600.2 Rs. 27.2 Rs. 7,656.6 Rs. 664.1 US$ 0.4 US$ 104.7 US$ 9.1 The table below presents a reconciliation of all Plan investment assets measured at fair value using significant unobservable inputs (Level 3) during fiscal 2020 and 2021. Funds managed by Insurance 2020 2021 2021 (In millions) Particulars Opening balance Rs. 625.0 Rs. 600.2 US$ 8.2 Realized interest credited to fund 48.0 60.5 0.9 Contribution during the period 89.5 104.5 1.4 Amount paid towards claim (162.3 ) (101.1 ) (1.4 ) Closing balance Rs. 600.2 Rs. 664.1 US$ 9.1 Superannuation Eligible employees of the Bank are entitled to receive retirement b 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. 3,312.1 million, Rs. 4,901.4 million and Rs. 5,429.6 million to the Provident Fund Trust and Regional Provident Fund Commissioner for the years ended March 31, 2019, March 31, 2020 and March 31, 2021, 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. From April 1, 2019, the employer’s contribution by the Bank to the provident fund under the Employees’ Provident Funds and Miscellaneous Provisions Act, 1952was made in accordance with the terms of the said order. 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. 37.9 million and Rs. 46.3 million to the National Pension Scheme for the fiscal years ended March 31, 2020 and March 31, 2021, respectively. Compensated absences The Bank has provided for unutilized leave balances as on March 31, 2021 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, 2021
Financial instruments	23 . 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, 2020 and March 31, 2021, together with the fair values on each reporting date. As of March 31, 2020 Notional Gross Assets Gross Liabilities Net Fair Value Interest rate derivatives Rs. 3,644,495.8 Rs. 49,876.8 Rs. 51,976.9 Rs. (2,100.1 ) Forward rate agreements — — — — Currency options 304,252.4 3,034.4 4,342.0 (1,307.6 ) Currency swaps 202,725.6 12,396.0 6,592.1 5,803.9 Forward exchange contracts 6,079,195.0 125,230.4 121,872.0 3,358.4 Total Rs. 10,230,668.8 Rs. 190,537.6 Rs. 184,783.0 Rs. 5,754.6 As of March 31, 2021 Notional Gross Assets Gross Liabilities Net Fair Value Notional Net Fair Value (In millions) Interest rate derivatives Rs. 3,155,410.2 Rs. 32,217.2 Rs. 33,894.0 Rs. (1,676.8 ) US$ 43,142.1 US$ (22.9 ) Forward rate agreements 20,887.8 270.0 64.1 205.9 285.6 2.8 Currency options 202,402.7 1,078.7 1,510.7 (432.0 ) 2,767.3 (5.9 ) Currency swaps 237,081.5 8,126.4 4,940.8 3,185.6 3,241.5 43.6 Forward exchange contracts 4,964,726.6 42,714.4 41,470.4 1,244.0 67,879.8 16.9 Total Rs. 8,580,508.8 Rs. 84,406.7 Rs. 81,880.0 Rs. 2,526.7 US$ 117,316.3 US$ 34.5 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 – 2019 2020 2021 2021 (In millions) Interest rate derivatives Rs. 736.4 Rs. (2,572.2 ) Rs. 773.9 US$ 10.6 Forward rate agreements 0.1 — 205.9 2.8 Currency options (262.5 ) 585.5 1,191.1 16.2 Currency swaps 1,045.0 3,465.5 (3,309.2 ) (45.2 ) Forward exchange contracts 10,890.1 2,071.2 (2,114.7 ) (28.9 ) Total gains/(losses) Rs. 12,409.1 Rs. 3,550.0 Rs. (3,253.0 ) US$ (44.5 ) 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, 2020 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. 190,537.6 Rs. — Rs. 190,537.6 Rs. 147,844.5 Rs. 8,326.7 Rs. 34,366.4 Securities purchased under agreements to resell 250,000.0 — 250,000.0 — 250,000.0 — Financial liabilities Derivative liabilities Rs. 184,783.0 Rs. — Rs. 184,783.0 Rs. 147,844.5 Rs. 6,706.7 Rs. 30,231.8 Securities sold under repurchase agreements 507,982.0 — 507,982.0 — 507,982.0 — Long Term debt 17,260.0 — 17,260.0 — 17,260.0 — (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, 2021 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. 84,406.7 Rs. — Rs. 84,406.7 Rs. 55,002.7 Rs. 4,065.5 Rs. 25,338.5 US$ 346.4 Securities purchased under agreements to resell 270,060.0 — 270,060.0 — 270,060.0 — — Financial liabilities Derivative liabilities Rs. 81,880.0 Rs. — Rs. 81,880.0 Rs. 55,002.7 Rs. 4,816.3 Rs. 22,061.0 US$ 301.6 Securities sold 356,059.2 — 356,059.2 — 356,059.2 — — Long Term debt 90,200.0 — 90,200.0 — 90200.0 — — (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 case-by-case 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 million as of March 31, 2020 and of Rs. as at March 31, 2021 Details of guarantees and documentary credits outstanding are set out below: As of March 31, 2020 2021 2021 (In millions) Nominal values: Bank guarantees: Financial guarantees Rs. 263,758.0 Rs. 334,040.8 US$ 4,567.1 Performance guarantees 330,164.6 421,162.2 5,758.3 Documentary credits 440,232.7 376,536.2 5,148.2 Total Rs. 1,034,155.3 Rs. 1,131,739.2 US$ 15,473.6 Estimated fair values: Guarantees Rs. (4,191.9) Rs. (5,500.7) US$ (75.2) Documentary credits (488.8) (543.4 ) (7.4) Total Rs. (4,680.7 ) Rs. (6,044.1 ) US$ (82.6) As part of its risk management activities, the Bank continuously monitors the creditworthiness 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. 130.5 billion and Rs. 121.2 billion as of March 31, 2020 and March 31, 2021, 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. 539.8 billion and Rs. 628.3 billion (US$ 8.6 billion) as of March 31, 2020 and March 31, 2021, respectively. Among other things, the making of a loan is subject to a review of the creditworthiness 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. 3,806.2 billion and Rs. 4,826.7 billion (US$ 66.0 billion) as of March 31, 2020 and March 31, 2021, respectively. The allowance for Credit Losses included in accrued expenses and other liabilities on Off-Balance As of March 31, 2021 (In millions) Allowance for credit losses, beginning of the period Rs. 3,226.8 Impact of Adoption of ASC 326 2,296.6 Provision for credit exposures 58.1 Allowance for credit losses, end of the period Rs. 5,581.5

Estimated fair value of financi

Estimated fair value of financial instruments	12 Months Ended
	Mar. 31, 2021
Estimated fair value of financial instruments	24 . 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, 2020 and March 31, 2021. The estimated fair value amounts as of March 31, 2020 and March 31, 2021 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, 2020 March 31, 2021 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. 611,961.0 Rs. 611,961.0 Rs. — Rs. — Rs. 611,961.0 Rs. 930,694.7 Rs. 930,694.7 Rs. — Rs. — Rs. 930,694.7 US$ 12,724.8 US$ 12,724.8 Investments held for trading 304,962.9 6,291.0 298,671.9 — 304,962.9 99,620.2 — 99,620.2 — 99,620.2 1,362.0 1,362.0 Investments available for sale debt securities 3,406,289.2 371,450.5 2,907,384.4 127,454.3 3,406,289.2 4,275,449.9 176,015.8 3,938,270.2 161,163.9 4,275,449.9 58,455.7 58,455.7 Securities purchased under agreements to resell 250,000.0 — 250,000.0 — 250,000.0 270,060.0 — 270,060.0 — 270,060.0 3,692.4 3,692.4 Loans 10,425,022.4 — 2,593,022.1 7,936,633.4 10,529,655.5 11,700,189.2 — 2,807,875.9 9,066,940.1 11,874,816.0 159,969.8 162,357.3 Accrued interest receivable 103,035.9 — 103,035.9 — 103,035.9 118,762.9 — 118,762.9 — 118,762.9 1,623.8 1,623.8 Other assets 641,605.5 2,282.4 637,594.1 — 639,876.5 320,187.5 11,869.8 306,640.9 — 318,510.7 4,377.7 4,354.8 Financial Liabilities — — Interest-bearing deposits 9,730,481.3 — 9,786,793.2 — 9,786,793.2 11,226,467.8 — 11,282,540.2 — 11,282,540.2 153,492.9 154,259.5 Non-interest-bearing 1,731,590.0 — 1,731,590.0 — 1,731,590.0 2,110,762.4 — 2,110,762.4 — 2,110,762.4 28,859.2 28,859.2 Securities sold under repurchase agreements 507,982.0 — 507,982.0 — 507,982.0 356,059.2 — 356,059.2 — 356,059.2 4,868.2 4,868.2 Short-term borrowings 377,417.6 — 378,027.9 — 378,027.9 239,264.1 — 238,700.3 — 238,700.3 3,271.3 3,263.6 Accrued interest payable 80,078.9 — 80,078.9 — 80,078.9 77,969.1 — 77,969.1 — 77,969.1 1,066.0 1,066.0 Long-term debt 1,026,518.3 — 1,074,826.3 — 1,074,826.3 1,174,758.2 — 1,200,953.4 — 1,200,953.4 16,061.8 16,419.9 Accrued expenses and other liabilities 460,931.4 — 460,931.4 — 460,931.4 445,135.7 — 445,135.7 — 445,135.7 6,086.1 6,086.1

Segment information

Segment information	12 Months Ended
	Mar. 31, 2021
Segment information	2 5 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 to such customers. Revenues of the retail banking segment are derived from interest earned on retail loans, fees for banking 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, 2019, March 31, 2020 and March 31, 2021: Fiscal year ended March 31, 2019 2020 Retail Wholesale Treasury Total Retail Wholesale Treasury Total (In millions) Net interest income/(expense) (External) Rs. 336,677.1 Rs. 140,085.0 Rs. 30,743.5 Rs. 507,505.6 Rs. 356,017.3 Rs. 204,725.8 Rs. 32,784.3 Rs. 593,527.4 Net interest income/(expense) (Internal) 62,339.1 (43,842.8 ) (18,496.3 ) — 127,065.9 (101,002.5 ) (26,063.4 ) — Net interest revenue 399,016.2 96,242.2 12,247.2 507,505.6 483,083.2 103,723.3 6,720.9 593,527.4 Less: Provision for credit losses 64,051.0 8,228.3 — 72,279.3 104,516.8 13,105.1 — 117,621.9 Net interest revenue, after provision for credit losses 334,965.2 88,013.9 12,247.2 435,226.3 378,566.4 90,618.2 6,720.9 475,905.5 Non-interest 138,783.0 23,789.6 (2,450.4 ) 160,122.2 161,890.1 36,059.1 269.8 ) 198,219.0 Non-interest (230,726.5 ) (22,744.8 ) (1,918.2 ) (255,389.5 ) (278,605.8 ) (27,774.0 ) (1,900.7 ) (308,280.5 ) Income before income tax Rs. 243,021.7 Rs. 89,058.7 Rs. 7,878.6 Rs. 339,959.0 Rs. 261,850.7 Rs. 98,903.3 Rs. 5,090.0 Rs. 365,844.0 Income tax expense Rs. 119,393.5 Rs. 105,480.0 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 Rs. 8,353,762.3 Rs. 5,933,391.4 Rs. 1,674,735.4 Rs. 15,961,889.1 Fiscal year ended March 31, 2021 Retail Banking Wholesale Treasury Total Total (In millions) Net interest income/(expense) (External) Rs. 361,343.5 Rs. 278,431.0 Rs. 43,912.0 Rs. 683,686.5 US$ 9,347.8 Net interest income/(expense) (Internal) 176,420.0 (143,863.7 ) (32,556.3 ) — — Net interest revenue 537,763.5 134,567.3 11,355.7 683,686.5 9,347.8 Less: Provision for credit losses 145,822.0 8,411.4 — 154,233.4 2,108.7 Net interest revenue, after provision for 391,941.5 126,155.9 11,355.7 529,453.1 7,239.1 Non-interest 175,447.7 72,420.1 5,107.9 252,975.7 3,458.7 Non-interest (306,461.1 ) (34,238.4 ) (1,902.8 ) (342,602.3 ) (4,684.2 ) Income before income tax Rs. 260,928.1 Rs. 164,337.6 Rs. 14,560.8 Rs. 439,826.5 US$ 6,013.6 Income tax expense Rs. 113,820.1 US$ 1,556.2 Segment assets: Segment total assets Rs. 9,356,987.2 Rs. 7,011,959.9 Rs. 1,610,834.9 Rs. 17,979,782.0 US$ 245,826.9

Commitments and contingencies

Commitments and contingencies	12 Months Ended
	Mar. 31, 2021
Commitments and contingencies	2 6 Commitments and contingent liabilities other than for off balance sheet financial instruments (see note 2 3 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, 2020 and March 31, 2021 aggregated Rs. 12,756.9 million and Rs. 12,895.7 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, 2021 aggregated to Rs. 10,203.1 million (previous year Rs. 8,437.8 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 and employee residences, with a renewal at the option of the Bank. Operating lease right-of-use As of March 31, 2020 2021 2021 (In millions) Right-of-use R s. Rs. 64,548.8 US$ 882.5 Lease liabilities 65,615.1 70,422.0 962.8 The total lease expenses are as follows: As of March 31, 2019 2020 2021 2021 (In millions) The total minimum lease expense during the year recognized in the consolidated statement of income Rs. 12,700.8 Rs. 13,698.7 Rs. 14,244.4 US$ 194.8 The total operating cash flow for operating lease expenses during the year ended March 31, 2020 and March 31, 2021 was Rs. million and million (US$ million), respectively. The future minimum lease payments as of March 31, 2021 were as follows: Due in fiscal year ending March 31: Operating leases (In millions, except for weighted averages) 2022 Rs. 11,783.1 US$ 161.1 2023 10,951.6 149.7 2024 10,125.8 138.4 2025 9,553.1 130.6 2026 9,201.9 125.8 Thereafter 50,337.5 688.2 Total lease payments Rs. 101,953.0 US$ 1,393.8 Less: imputed interest 31,531.0 431.0 Total operating lease liabilities Rs. 70,422.0 US$ 962.8 Weighted average remaining lease term (in years) 9.8 9.8 Weighted average discount rate 7.0 % 7.0 % The Bank adopted ASU 2016-02 right-of-use right-of-use re-measured Right-of-use right-of-use non-interest right-of-use non-interest Covid-19 Reward points The movement in provision for credit card and debit card reward points as of March 31, 2020 and March 31, 2021 is as follows: As of March 31, 2020 2021 2021 (In millions) Opening provision of reward points Rs. 6,030.9 Rs. 7,341.5 US$ 100.4 Provision made during the year 5,356.0 3,752.1 51.3 Utilization/write back of provision (3,868.8 ) (4,026.7 ) (55.1 ) Effect of change in rate of accrual of reward points (176.6 ) (679.0 ) (9.3 ) Closing provision of reward points Rs. 7,341.5 Rs. 6,387.9 US$ 87.3

Related party transactions

Related party transactions	12 Months Ended
	Mar. 31, 2021
Related party transactions	2 7 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, 2020 2021 Principal Others Total Principal Others Total Total (In millions) Balances in non-interest-bearing Rs. 35,128.7 Rs. 8,258.8 Rs. 43,387.5 Rs. 31,834.6 Rs. 9,732.0 Rs. 41,566.6 US$ 568.3 Balances in interest-bearing 1,662.0 5,954.8 7,616.8 3,772.1 1,830.5 5,602.6 76.6 Accrued expenses and other liabilities 1,002.8 — 1,002.8 1,110.5 — 1,110.5 15.2 Total Rs. 37,793.5 Rs. 14,213.6 Rs. 52,007.1 Rs. 36,717.2 Rs. 11,562.5 Rs. 48,279.7 US$ 660.1 Balances receivable from related parties are as follows: As of March 31, 2020 2021 Principal Others Total Principal Others Total Total (In millions) Loans Rs. — Rs. 26.5 Rs. 26.5 Rs. — Rs. 10.6 Rs. 10.6 US$ 0.1 Other assets 449.5 1,266.9 1,716.4 1,390.9 1,627.7 3,018.6 41.3 Total Rs. 449.5 Rs. 1,293.4 Rs. 1,742.9 Rs. 1,390.9 Rs. 1,638.3 Rs. 3,029.2 US$ 41.4 Purchase of property and equipment from related parties for the years ended March 31, 2020 and 2021 were nil. Purchase and sale of investments from Others for the year ended March 31, 2021 were Rs.114.3 million (previous year Rs. 4,872.8 million) and Rs. 29,451.1 million (previous year Rs. 28,016.8 million), respectively. Investments of Others in the Bank’s subordinated debt for the fiscal year ended March 31, 2021 were Rs. 400.0 million (previous year Rs. 200.0 million). Included in the determination of net income are the following significant transactions with related parties: Fiscal year ended March 31, 2019 2020 2021 Principal Others Total Principal Others Total Principal Others Total Total (In millions) Non-interest Rs. 2,829.7 Rs. 14,558.3 Rs. 17,388.0 Rs. 3,089.4 Rs. 17,001.7 Rs. 20,091.1 Rs 3,246.5 Rs. 19,801.6 Rs. 23,048.1 US$ 315.1 Interest and Dividend revenue 352.0 1,549.7 1,901.7 — 1,194.2 1,194.2 — 552.5 552.5 7.6 Interest expense-Deposits (54.9 ) (138.0 ) (192.9 ) (85.3 ) (84.2 ) (169.5 ) (108.0 ) (171.3 ) (279.3 ) (3.8 ) Non-interest (4,838.3 ) (2,841.7 ) (7,680.0 ) (5,840.8 ) (3,119.6 ) (8,960.4 ) (5,874.4 ) (2,856.3 ) (8,730.7 ) (119.4 ) Non-interest (31.2 ) (6.1 ) (37.3 ) (25.8 ) (9.7 ) (35.5 ) (24.3 ) (5.2 ) (29.5 ) (0.4 ) Other transactions with the Bank’s principal owner are as follows: During the years ended March 31, 2020 and March 31, 2021, the Bank p mark-to-market For contributions made to provident funds and pension funds set up by the Bank, see note 2 2

Earnings per equity share

Earnings per equity share	12 Months Ended
	Mar. 31, 2021
Earnings per equity share	2 8 By way of an ordinary resolution passed on July 12, 2019, the shareholders of the Bank approved a subdivision (stock split) of equity shares to reduce the face value of each equity share from Rs. 2.0 to Rs. 1.0 per equity share effective as of September 20, 2019. The number of issued and subscribed equity shares increased to 5,470,763,894 shares of par value Rs. 1.0 each. All share/ADS and per share/ADS data reflect the effect of the stock split retroactively. One ADS continues to represent three equity shares. 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 24,224,032 and 73,917,840 were excluded from the calculation of diluted earnings per share for the years ended March 31, 2020 and March 31, 2021, respectively, as these were anti-dilutive. As of March 31, 2019 2020 2021 Weighted average number of equity shares used in computing basic earnings per equity share 5,360,068,058 5,468,802,148 5,499,587,357 Effect of potential equity shares for stock options outstanding 53,585,896 36,990,405 23,890,989 Weighted average number of equity shares used in computing diluted earnings per equity share 5,413,653,954 5,505,792,553 5,523,478,346 The following are reconciliations of basic and diluted earnings per equity share and earnings per ADS. Fiscal years ended March 31, 2019 2020 2021 2021 Basic earnings per share Rs. 41.07 Rs. 47.59 Rs. 59.27 US$ 0.81 Effect of potential equity shares for stock options outstanding 0.41 0.32 0.25 0.01 Diluted earnings per share Rs. 40.66 Rs. 47.27 Rs. 59.02 US$ 0.80 Basic earnings per ADS Rs. 123.21 Rs. 142.77 Rs. 177.81 US$ 2.43 Effect of potential equity shares for stock options outstanding 1.23 0.96 0.75 0.03 Diluted earnings per ADS Rs. 121.98 Rs. 141.81 Rs. 177.06 US$ 2.40 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 non-distributable per share to commemorate 25 years of HDFC Bank’s operations was paid on August 2, 2019. The RBI vide notification dated December 4, 2020, stated that in view of the ongoing stress and heightened uncertainty on account of COVID-19, COVID-19 per equity share of the Bank for the financial year ended March 31, 2021. This was approved by the members at the Annual General Meeting held on July 17, 2021.

Investments in Subsidiaries_Aff

Investments in Subsidiaries/Affiliates	12 Months Ended
	Mar. 31, 2021
Investments in Subsidiaries/Affiliates	29 HDB Financial Services Limited (“HDBFSL”) is a non-deposit non-banking HDFC Securities Ltd. (“HSL”) offers trading facilities in a range of equity, fixed income and derivative products to its clients. As at March 31, 2021 the Bank holds a 96.8% (previous year 96.8%) effective equity interest. The financial statements of HSL are consolidated.

Fair value measurement

Fair value measurement	12 Months Ended
	Mar. 31, 2021
Fair value measurement	3 0 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 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, 2020 and March 31, 2021. The following table summarizes investments measured at fair value on a recurring basis as of March 31, 2020, 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. 304,962.9 Rs. 6,291.0 Rs. 298,671.9 Rs. — Securities Available-for-Sale 3,406,289.2 371,450.5 2,907,384.4 127,454.3 Equity securities * 10,937.5 2,282.4 8,655.1 — Total Rs. 3,722,189.6 Rs. 380,023.9 Rs. 3,214,711.4 Rs. 127,454.3 * Equity securities classified within other assets. The following table summarizes investments measured at fair value on a recurring basis as of March 31, 2021, 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. 99,620.2 Rs. — Rs. 99,620.2 Rs. — Securities Available-for-Sale 4,275,449.9 176,015.8 3,938,270.2 161,163.9 Equity securities * 19,577.8 11,869.8 7,708.0 — Total Rs. 4,394,647.9 Rs. 187,885.6 Rs. 4,045,598.4 Rs. 161,163.9 Total US$ 60,085.4 US$ 2,568.8 US$ 55,313.1 US$ 2,203.5 * Equity securities classified within other assets. 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, 2020 and March 31, 2021: Particulars As of March 31, 2020 (in millions) Beginning balance at April 1, 2019 Rs. 38,812.9 Total gains or losses (realized/unrealized) -Included in net income — -Included in other comprehensive income 1,535.5 Purchases/additions 126,891.3 Sales — Issuances — Settlements (39,785.4 ) Transfers in Level 3 — Transfers out of Level 3 — Foreign currency translation adjustment — Ending balance at March 31, 2020 Rs. 127,454.3 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 — Particulars As of March 31, 2021 (In millions) Beginning balance at April 1, 2020 Rs. 127,454.3 Total gains or losses (realized/unrealized) -Included in net income — -Included in other comprehensive income 2,236.4 Purchases/additions 80,406.3 Sales — Issuances — Settlements (48,933.1 ) Transfers in Level 3 — Transfers out of Level 3 — Foreign currency translation adjustment — Ending balance at March 31, 2021 Rs. 161,163.9 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 — Change in unrealized gains or losses for the period included in other Rs 2,236.4 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, 2020, 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. 190,537.6 Rs. — Rs. 190,537.6 Rs. — Derivative liabilities Rs. 184,783.0 Rs. — Rs. 184,783.0 Rs. — The following table summarizes derivative instruments measured at fair value on a recurring basis as of March 31, 2021, 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. 84,406.7 Rs. — Rs. 84,406.7 Rs. — Derivative liabilities Rs. 81,880.0 Rs. — Rs. 81,880.0 Rs. —

Risk and uncertainties

Risk and uncertainties	12 Months Ended
	Mar. 31, 2021
Risks and Uncertainties [Abstract]
Risk and uncertainties	3 1 At the date of approval of the condensed consolidated financial statements, the SARS-CoV-2 COVID-19 COVID-19, COVID-19 COVID-19 COVID-19 COVID-19, COVID-19 COVID-19 On September 3, 2020, a securities class action lawsuit was filed against the Bank and certain of its current and former directors in the United States District Court for the Eastern District of New York. The complaint was amended on February 8, 2021. The amended complaint alleges that the Bank, its former managing director, Mr. Aditya Puri, and the present managing director and CEO, Mr. Sashidhar Jagdishan made materially false and misleading statements regarding certain aspects of the Bank’s business and compliance policies, which the complaint alleges resulted in the Bank’s ADS price declining on July 13, 2020, thereby allegedly causing damage to the Bank’s investors. The Bank’s motion to dismiss the suit was filed on April 9, 2021, to which the lead plaintiff served its brief in opposition on June 8, 2021. The Bank, on July 23, 2021, through its legal counsel, has filed the reply memorandum of law in further support of the motion to dismiss the securities class action suit. Given the uncertainty inherent in these matters, and based on an assessment made after taking appropriate legal advice, at this point in time, the Bank does not believe that the ultimate outcome of this matter will be materially unfavorable to the Bank. Accordingly, no liability has been recorded in the Bank’s consolidated financial statements. The Bank intends to continue to vigorously defend against the allegations.

Summary of significant accoun_2

Summary of significant accounting policies (Policies)	12 Months Ended
	Mar. 31, 2021
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, lease accounting 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, impairment in securities, valuation of derivatives, stock-based compensation, unrecognized tax benefits, valuation of lease liabilities 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 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 10. 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 are classified under other assets. Marketable securities are measured at fair value, change in fair value recorded in earnings. Non- 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 Up to March 31, 2020, declines in the fair values of held to maturity and available for sale debt securities below their carrying value that were other than temporary were 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 conducted 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 entailed identification and evaluation of investments that had 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 were other than temporary were measured on a case-by-case The Bank adopted ASU 2016-13, available-for-sale more-likely-than-not
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 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
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. Upon adoption of ASC 326, the Bank revised its accounting policy for Allowance for credit losses as detailed below: Retail Up to March 31, 2020 the Bank’s retail loan loss allowance consisted of specific allowance and allowance for loans collectively evaluated for impairment (termed as “unallocated allowance”). The Bank established 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 monitored loan to value ratios for loan against securities. The loans were charged off against allowances typically when the account became 150 to 1,08 write-off . Wholesale Up to March 31, 2020, the allowance for wholesale loans consisted of specific and unallocated components. The allowance for such credit losses was evaluated on a regular basis by management and was 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 was inherently subjective as it required estimates that are susceptible to significant revision as more information became available. Loans were 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 established 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 experienced insignificant payment delays and payment shortfalls were generally not classified as impaired but were 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 also established an unallocated allowance for wholesale standard loans based on the internal rating grades assigned, and the probability of default associated with internal rating grade pools and the loss given default. Effective April 1, 2020, the Bank adopted the CECL accounting guidance. The adoption of this guidance established a single allowance framework for all financial assets measured at amortized cost and certain off-balance The Banks allowance for credit losses comprises: • the allowance for loan losses, which covers the Bank’s loan portfolios and is presented separately on the balance sheet in Loans, • the allowance for lending-related commitments, which is recognized on the balance sheet in Accrued expenses and other liabilities, • the allowance for credit losses on investment securities, which covers the Bank’s AFS debt securities and is recognized on the balance sheet in Investments available for sale debt securities on the balance sheet and, • the allowance for credit losses on other financial assets measured at amortized cost, and other off-balance sheet credit exposures, which is recognized on the balance sheet in Accrued expenses and other liabilities. All changes in the allowance for credit losses is recognized in the income statement. Determining the appropriateness of the allowance for credit losses is complex and requires significant judgment by management about the effect of matters that are inherently uncertain. Subsequent evaluations of credit exposures, considering the macroeconomic conditions, forecasts and other factors then prevailing, may result in significant changes in the allowance for credit losses in future periods. The Bank’s policies used to determine its allowance for credit losses and its allowance for lending-related commitments are described in the following paragraphs. The Bank’s portfolio is bifurcated into Retail and Wholesale portfolios, wherein the Retail portfolio is segmented into homogenous pools using various factors such as nature of product, delinquencies, and other demographic and behavioral variables of the borrowers. The wholesale portfolio is segmented into various risk grades on the basis of host of quantitative and qualitative factors including financial performance, industry risk, business risk and management quality. The allowance for loan-related losses and allowance for lending-related commitments represents expected credit losses over the remaining expected life of outstanding loans and lending-related commitments that are not unconditionally cancellable. The Bank does not record an allowance for future draws on unconditionally cancellable lending-related commitments (e.g., credit cards). The Bank does not record an allowance on accrued interest receivables on the balance sheet due to its policy to reverse interest income on loans more than 90 days past due and in case of agricultural loans more than 365 days past due non-performing. The estimate of expected credit losses includes expected recoveries of amounts previously charged off or expected to be charged off, even if such recoveries result in a negative allowance. The Retail loans are charged off against allowances typically when the account becomes 150 to 1,083 days past due depending on the type of loan. The defined delinquency levels at which major loan types are charged off are 150 days past due for personal loans, credit card receivables, and 180 days for auto loans, commercial vehicle and construction equipment finance, 720 days past due for housing loans and on a customer by customer basis in respect of retail business banking when management believes that any future cash flows from these loans are remote including realization of collateral, if applicable, and where any restructuring or any other settlement arrangements were not feasible. The wholesale Loans are charged off against the allowance when management believes that the loan balance may not be recovered including realization of collateral, if applicable, and where any restructuring or any other settlement arrangements were not feasible. Subsequent recoveries, if any, against write-off Wholesale loans are considered non-performing non-performance non-performing case-by-case In order to estimate the allowance, the Bank primarily relies The Bank’s off-balance sheet credit exposures include unfunded loan commitments, financial guarantees, including standby letters of credit, and other similar instruments. For off-balance sheet credit exposures, the Bank recognizes an Allowance for credit loss (ACL) associated with the unfunded amounts. The Bank does not recognize an ACL for commitments that are unconditionally cancelable at Bank’s discretion. ACL for off-balance sheet credit exposures are reported as a liability in accrued expenses and other liabilities on the consolidated balance sheet. ACL is in such cases is measured for the remaining contractual term, adjusted for prepayments, of the financial asset (including off-balance sheet credit exposures) using historical experience, current conditions, and reasonable and supportable forecasts . Collective and Individual Assessments Management estimates the allowance balance using relevant available information, from internal and external sources, relating to past events, current conditions, and reasonable and supportable forecasts. Historical loan default and loss experience provides the basis for the estimation of expected credit losses. Adjustments to historical loss information incorporate management’s view of current conditions and forecasts. The methodology for estimating the amount of credit losses reported in the allowance for credit losses has two basic components: first, a pooled component for expected credit losses for pools of loans that share similar risk characteristics and second an asset-specific component involving loans that do not share risk characteristics and the measurement of expected credit losses for such individual loans.. . As an integral part of the credit process, the Bank has a credit rating model appropriate to its retail and wholesale 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 majority of the Bank’s credit exposures share risk characteristics with other similar exposures, and as a result are collectively assessed for allowance (“portfolio-based component”). If an exposure does not share risk characteristics with other exposures, the Bank generally estimates expected credit losses on an individual basis, considering expected repayment and conditions impacting that individual exposure (“asset-specific component”). The asset-specific component covers loans modified or reasonably expected to be modified in a TDR, collateral-dependent loans, as well as, borrowers with financial difficulties Portfolio-based component (Pooled Loans) The portfolio-based component begins with a quantitative calculation that considers the likelihood of the borrower changing delinquency status or moving from one risk rating to another. The quantitative calculation covers expected credit losses over an instrument’s expected life and is estimated by applying credit loss factors to the Bank’s exposure at default. Apart from its historical experience, the Bank seeks to incorporate any reasonable and supportable information regarding the prevalent and future economic and operating conditions, and their impact on credit losses for the Bank into its allowance. The Bank therefore includes in its estimation the use of quantitative statistical models to predict impact of macro-economic variables on defaults. The Bank relies on a single economic variable to develop reasonable and supportable forecasts. In deploying these models the Bank has assessed the impact of an exhaustive set of macro-economic variables such as GDP, inflation, Gross Capital Formation and Index of Industrial Production(IIP) on its expected losses, and uses consensus macro-economic forecasts surveyed and published by the Reserve Bank of India. As the consensus macro-economic forecasts are published for a year the Bank reverts to the historical average default rate beyond this period. Any adjustments needed to the modeled expected losses in the quantitative calculations are addressed through a qualitative adjustment. Qualitative adjustment , among other things: the uncertainty of forward-looking scenarios based on the likelihood and severity of a possible recession; the uncertainty of economic conditions related to an alternative downside scenario; certain portfolio characteristics and concentrations; collateral coverage; model limitations; idiosyncratic events; and other relevant criterias. The qualitative adjustment also reflects the estimated impact of the pandemic on the economic forecasts and the impact on credit loss estimates. The total ACL is comprised of the quantitative and qualitative components. The Bank estimates its allowance for credit losses for pooled loans based on its probability of default and loss given default, determined for the respective risk pools. Asset-specific component To determine the asset-specific component of the allowance, collateral-dependent loans (including those loans for which foreclosure is probable) and larger, non-accrual The Bank generally measures the asset-specific allowance as the difference between the amortized cost of the loan and the present value of the cash flows expected to be collected, discounted at the loan’s original effective interest rate. Subsequent changes in impairment, including those related to passage of time, are generally recognized as an adjustment to the allowance for credit losses. For collateral-dependent loans, the fair value of collateral less estimated costs to sell is used to determine the charge-off The asset-specific component of the allowance for credit losses that have been or are expected to be modified in TDRs incorporates the effect of the modification on the loan’s expected cash flows (including forgone interest, principal forgiveness, as well as other concessions), and also the potential for redefault. For wholesale loans modified or expected to be modified in TDRs, expected losses incorporate management’s expectation of the borrower’s ability to repay under the modified terms. Estimating the timing and amounts of future cash flows is highly judgmental as these cash flow projections rely upon estimates such as loss severities, asset valuations, default rates (including redefault rates on modified loans), the amounts and timing of interest or principal payments (including any expected prepayments) or other factors that are reflective of current and expected market conditions. All of these estimates and assumptions require significant management judgment and certain assumptions are highly subjective.
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 property and equipment 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. Improvements to leasehold premises are charged off over the remaining primary period of the lease.
Lease accounting	l. Lease accounting Effective April 1, 2019, the Bank adopted FASB ASU 2016-02 “Leases right-of-use At the inception of the contract, the Bank assesses whether the contract, is or contains, a lease. The Bank’s assessment is based on whether(1) the contract involves the use of distinct identified assets, (2) the Bank has the right to substantially all the economic benefit from the use of the asset throughout the term of the contract, and (3) the Bank has the right to direct the use of the asset. Leases are examined for classification as either finance leases or operating leases. A lease is classified as a finance lease if any one of the following criteria is met (1) the lease transfers ownership of the asset by the end of the lease term, (2) the lease contains an option to purchase the asset that is reasonably certain to be exercised, (3) the lease term is for the major part of the remaining useful life of the asset or (4) the present value of the lease payments equals or exceeds substantially all of the fair value of the asset. A lease is classified as an operating lease if it does not meet any one of the above criteria. The Banks’s lessee arrangements consist of operating leases. The Bank records right-of-use Right-of-use right-of-use Lease expense is recognized on a straight-line basis over the lease term and is recorded in non-interest non-lease Right-of-use The Bank assesses leased assets for impairment, and if the carrying amount of the leased asset exceeds the undiscounted cash flows from the lease payments and the estimated residual value upon disposition of the leased asset, an impairment loss is recognized.
Impairment or disposal of tangible long-lived assets	m. 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	n. 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 carry forwards. 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 accounted for dividend distribution tax in equity in the year in which a dividend is declared. With effect from April 1, 2020, no direct tax required to be paid by the Bank since dividend distribution tax payable on dividend distributed have been abolished. The Bank follows specific identification method for releasing income tax effects from accumulated other comprehensive income.
Revenue recognition	o. 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	p. 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	q. 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 2 1
Debt issuance costs	r. Debt issuance costs Issuance costs of long-term debt are amortized over the tenure of the debt.
Earnings per share	s. 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 2 8
Segment information	t. 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 2 5
Derivative financial instruments	u. 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	v. 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	w. 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. Up to March 31, 2020 this analysis was a two-step Goodwill ( the second step). Accordingly, i f the fair value of goodwill exceeds the goodwill assigned to the reporting unit, there is impairment. If the goodwill assigned to a reporting unit exceeds fair value of the goodwill, an impairment charge is recorded for the excess. An impairment loss recognized cannot exceed the amount of goodwill assigned to a reporting unit, and the loss establishes a new basis in the goodwill. Subsequent reversal of goodwill impairment losses is not permitted.
Recently adopted accounting standards	x. Recently adopted accounting standards In June 2016, the FASB issued ASU 2016-13 off-balance 326-30 available-for-sale 2016-13 2018-19, 2019-04, 2019-05, 2019-10, 2019-11, 2020-02, 2020-03. off-balance 83,496.4 62,480.4 21,016.0 The increase in the allowance for credit losses required under the ASC 326 generally reflected the impact of reserves calculated over the life of loan, and more specifically higher reserves required for longer duration loan portfolios, and the utilization of a longer historical look-back period in the calculation of probability of default . The following table illustrates the impact on allowances for credit losses on adopting ASC 326. As of April 1, 2020 As reported Pre-ASC Impact of (In millions) Loans: Auto loans Rs. 29,099.9 Rs. 19,219.0 Rs. 9,880.9 Personal loans/Credit cards 85,188.2 47,097.1 38,091.1 Retail business banking 36,807.8 32,860.3 3,947.5 Commercial vehicle and construction equipment finance 20,788.9 20,463.4 325.5 Housing loans 3,360.2 1,700.7 1,659.5 Other retail loans 38,098.6 37,864.3 234.3 Wholesale loans 66,502.6 39,628.4 26,874.2 Allowance for Credit Losses on Loans Rs. 279,846.2 Rs. 198,833.2 Rs. 81,013.0 Allowance for Credit Losses on AFS debt securities — — — Accrued expenses and other liabilities: Allowance for Credit Losses on Off-Balance Rs. 5,523.4 Rs. 3,226.8 Rs. 2,296.6 186.8 — 186.8 Tota l Rs. 285,556.4 Rs. 202,060.0 Rs. 83,496.4 In January 2017, the FASB issued ASU No. 2017-04 In August 2018, the FASB issued ASU No. 2018-13 .
Recently issued accounting pronouncements not yet effective	y. Recently issued accounting pronouncements not yet effective In December 2019, the FASB issued ASU 2019-12, tax-related In January 2020, the FASB issued ASU 2020-01, 2016-01 In March 2020, the FASB issued ASU No. 2020-04
Convenience translation	z. 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, 2021 have been translated into U.S. dollars at U.S.$ 1.00 73.14

Summary of significant accoun_3

Summary of significant accounting policies (Tables)	12 Months Ended
	Mar. 31, 2021
Schedule of Composite depreciation rate	Depreciation is provided over the estimated useful lives of property and equipment 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 Allowances for credit losses on adopting ASC 326	The following table illustrates the impact on allowances for credit losses on adopting ASC 326. As of April 1, 2020 As reported Pre-ASC Impact of (In millions) Loans: Auto loans Rs. 29,099.9 Rs. 19,219.0 Rs. 9,880.9 Personal loans/Credit cards 85,188.2 47,097.1 38,091.1 Retail business banking 36,807.8 32,860.3 3,947.5 Commercial vehicle and construction equipment finance 20,788.9 20,463.4 325.5 Housing loans 3,360.2 1,700.7 1,659.5 Other retail loans 38,098.6 37,864.3 234.3 Wholesale loans 66,502.6 39,628.4 26,874.2 Allowance for Credit Losses on Loans Rs. 279,846.2 Rs. 198,833.2 Rs. 81,013.0 Allowance for Credit Losses on AFS debt securities — — — Accrued expenses and other liabilities: Allowance for Credit Losses on Off-Balance Rs. 5,523.4 Rs. 3,226.8 Rs. 2,296.6 186.8 — 186.8 Tota l Rs. 285,556.4 Rs. 202,060.0 Rs. 83,496.4

Investments (Tables)

Investments (Tables)	12 Months Ended
	Mar. 31, 2021
Summary of Allowances for Available for sale debt Securities	Allowances for Available for sale debt Securities as of March 31, 2021 are as follows: As of March 31, 2021 Allowance for Write-offs Addition to credit losses Allowance for (In millions) Government of India securities Rs. — Rs. — Rs. — Rs. — State government securities — — — — Government securities outside India — — — — Credit substitutes — — 2,915.1 2,915.1 Other corporate/financial institution bonds — — — — Debt securities, other than asset and mortgage — — — — Mortgage-backed securities — — — — Asset-backed securities — — — — Other securities (including mutual fund units) — — — — Total Rs. — Rs. — Rs. 2,915.1 Rs. 2,915.1 US$ — US$ — US$ 39.9 US$ 39.9
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, 2020 and March 31, 2021 were as follows: As of March 31, 2020 2021 Amortized Cost Fair Value Amortized Cost Fair Value (In millions) Available for sale credit substitute debt securities: Debentures Rs. 236,717.2 Rs. 237,980.3 Rs. 524,448.4 Rs. 537,472.8 Commercial pape r 124,024.3 124,393.4 9,778.7 9,804.1 Total Rs. 360,741.5 Rs. 362,373.7 Rs. 534,227.1 Rs. 547,276.9 US$ 7,304.2 US$ 7,482.6
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, 2020 and March 31, 2021 was as follows: As of March 31, 2020 Amortized Cost Gross Unrealized Gross Unrealized Fair Value (In millions) Government of India securities Rs. 207,131.4 Rs. 592.9 Rs. 17.2 Rs. 207,707.1 Other corporate/financial institution securities 4,495.9 7.1 32.5 4,470.5 Total debt securities Rs. 211,627.3 Rs. 600.0 Rs. 49.7 Rs. 212,177.6 Other securities (including mutual fund units) 92,683.9 101.4 — 92,785.3 Total Rs. 304,311.2 Rs. 701.4 Rs. 49.7 Rs. 304,962.9 As of March 31, 2021 Amortized Cost Gross Unrealized Gross Unrealized Fair Value (In millions) Government of India securities Rs. 15,076.0 Rs. 85.8 Rs. 2.6 Rs. 15,159.2 Other corporate/financial institution securities 34,803.9 43.3 0.4 34,846.8 Total debt securities Rs. 49,879.9 Rs. 129.1 Rs. 3.0 Rs. 50,006.0 Other securities (including mutual fund units) 52,912.2 110.9 3,408.9 49,614.2 Total Rs. 102,792.1 Rs. 240.0 Rs. 3,411.9 Rs. 99,620.2 Total US$ 1,405.3 US$ 3.3 US$ 46.6 US$ 1,362.0
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, 2020 and March 31, 2021 was as follows: As of March 31, 2020 Amortized Cost Gross Unrealized Gross Unrealized Fair Value (In millions) Government of India securities Rs. 2,637,464.4 Rs. 52,630.0 Rs. 1,491.6 Rs. 2,688,602.8 State government securities 177,055.9 11,337.7 — 188,393.6 Government securities outside India 8,367.0 48.4 — 8,415.4 Credit substitutes (see note 7) 360,741.5 2,309.5 677.3 362,373.7 Other corporate/financial institution bonds 29,710.9 212.8 409.6 29,514.1 Debt securities, other than asset and mortgage-backed securities 3,213,339.7 66,538.4 2,578.5 3,277,299.6 Mortgage-backed securities 37.3 0.8 — 38.1 Asset-backed securities 125,931.2 1,746.0 150.0 127,527.2 Other securities (including mutual fund units) 1,424.1 0.2 — 1,424.3 Total Rs. 3,340,732.3 Rs. 68,285.4 Rs. 2,728.5 Rs. 3,406,289.2 Securities with gross unrealized losses Rs. 300,932.1 Securities with gross unrealized gains 3,105,357.1 Rs. 3,406,289.2 As of March 31, 2021 Amortized Cost Gross Unrealized Gross Unrealized Fair Value (In millions) Government of India securities Rs. 3,159,905.2 Rs. 31,824.6 Rs. 20,225.8 Rs. 3,171,504.0 State government securities 348,067.7 7,373.7 2,669.6 352,771.8 Government securities outside India 5,932.2 3.8 — 5,936.0 Credit substitutes (see note 7) 534,227.1 13,423.1 373.3 547,276.9 Other corporate/financial institution bonds 36,419.0 352.5 12.3 36,759.2 Debt securities, other than asset and mortgage-backed securities 4,084,551.2 52,977.7 23,281.0 4,114,247.9 Mortgage-backed securities 30.5 1.8 — 32.3 Asset 157,399.9 4,081.5 311.7 161,169.7 Total Rs. 4,241,981.6 Rs. 57,061.0 Rs. 23,592.7 Rs. 4,275,449.9 Total US$ 57,998.1 US$ 780.2 US$ 322.6 US$ 58,455.7 Securities with gross unrealized losses Rs. 1,162,099.9 Securities with gross unrealized gain s 3,113,350.0 Rs. 4,275,449.9 US$ 58,455.7
Unrealized loss position investments	The gross unrealized losses and fair value of available for sale debt securities at March 31, 2020 was as follows: As of March 31, 2020 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. 24,492.8 Rs. 69.8 Rs. 158,735.8 Rs. 1,421.8 Rs. 183,228.6 Rs. 1,491.6 State government securities — — — — — — Government securities outside India — — — — — — Credit substitutes (see note 7) 38,039.9 481.2 18,680.4 196.1 56,720.3 677.3 Other corporate/financial institution bonds 18,626.2 409.6 — — 18,626.2 409.6 Debt securities, other than asset and mortgage-backed securities 81,158.9 960.6 177,416.2 1,617.9 258,575.1 2,578.5 Mortgage-backed securities — — — — — — Asset-backed securities 41,510.7 144.7 846.3 5.3 42,357.0 150.0 Other securities (including mutual fund units) — — — — — — Total Rs. 122,669.6 Rs. 1,105.3 Rs. 178,262.5 Rs. 1,623.2 Rs. 300,932.1 Rs. 2,728.5 The gross unrealized losses and fair value of available for sale debt securities at March 31, 2021 was as follows: As of March 31, 2021 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. 930,710.0 Rs. 20,224.7 Rs. 98.2 Rs. 1.1 Rs. 930,808.2 Rs. 20,225.8 State government securities 133,639.8 2,669.6 — — 133,639.8 2,669.6 Government securities outside India — — — — — — Credit substitutes (see note 7) 43,455.7 373.3 — — 43,455.7 373.3 Other corporate/financial institution 4,957.2 12.3 — — 4,957.2 12.3 Debt securities, other than asset and mortgage-backed securities 1,112,762.7 23,279.9 98.2 1.1 1,112,860.9 23,281.0 Mortgage-backed securities — — — — — — Asset-backed securities 49,239.0 311.7 — — 49,239.0 311.7 Other securities (including mutual fund — — — — — — Total Rs. 1,162,001.7 Rs. 23,591.6 Rs. 98.2 Rs. 1.1 Rs. 1,162,099.9 Rs. 23,592.7 Total US$ 15,887.4 US$ 322.6 US$ 1.3 US$ — US$ 15,888.7 US$ 322.6
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, 2021 is set out below: As of March 31, 2021 Amortized Cost Fair Value Fair Value (In millions) Within one year Rs. 847,885.7 Rs. 849,275.7 US$ 11,611.6 Over one year through five years 1,362,628.4 1,388,323.5 18,981.7 Over five years through ten years 1,133,763.6 1,145,349.2 15,659.7 Over ten years 740,273.5 731,299.5 9,998.6 Total Rs. 4,084,551.2 Rs. 4,114,247.9 US$ 56,251.6
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, 2021 is set out below: As of March 31, 2021 Amortized Cost Fair Value Fair Value (In millions) Within one year Rs. 64,729.1 Rs. 66,238.6 US$ 905.6 Over one year through five years 89,730.9 91,976.6 1,257.5 Over five years through ten years 1,127.6 1,135.9 15.5 Over ten years 1,842.8 1,850.9 25.3 Total Rs. 157,430.4 Rs. 161,202.0 US$ 2,203.9
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, 2019 2020 2021 2021 (In millions) Gross realized gains on sale Rs. 3,788.1 Rs. 26,128.1 Rs. 56,439.4 US$ 771.8 Gross realized losses on sale (1,192.1 ) (301.9 ) (514.2 ) (7.2 ) Realized gains (losses), net 2,596.0 25,826.2 55,925.2 764.6 Dividends and interest 190,992.5 198,383.2 226,690.9 3,099.4 Total Rs. 193,588.5 Rs. 224,209.4 Rs. 282,616.1 US$ 3,864.0

Credit substitutes (Tables)

Credit substitutes (Tables)	12 Months Ended
	Mar. 31, 2021
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 Impairment losses is as follows: As of March 31, 2020 2021 2021 (In millions) Pass Rs. 362,373.7 Rs. 547,276.9 US$ 7,482.6 Impaired—gross balance — — — Less: Impairment losses — — — Impaired credit substitutes, net — — — Total credit substitutes, net Rs. 362,373.7 Rs. 547,276.9 US$ 7,482.6
Impaired credit substitutes	The following table provides information on Impaired credit substitutes as at March 31, 2020 and March 31, 2021: As of March 31, 2020 2021 2021 (In millions) Gross impaired credit substitutes Rs — Rs — US$ — Gross impaired credit substitutes by industry Rs. — Rs. — US$ — Average impaired credit substitutes Rs. — Rs. — US$ — Interest income recognized on impaired credit substitutes Rs. — Rs. — US$ —

Loans (Tables)

Loans (Tables)	12 Months Ended
	Mar. 31, 2021
Loans by Facility	Loans by facility as of March 31, 2020 and March 31, 2021 were as follows: As of March 31, 2020 2021 2021 (In millions) Retail loans: Auto loans Rs. 952,053.1 Rs. 964,053.2 US$ 13,180.9 Personal loans/Credit cards 1,920,601.6 2,042,727.2 27,929.0 Retail business banking 1,658,770.3 2,007,845.9 27,452.1 Commercial vehicle and construction equipment finance 747,382.4 805,329.8 11,010.8 Housing loans 634,612.4 702,235.5 9,601.3 Other retail loans 1,127,380.6 1,306,641.0 17,864.9 Subtotal Rs. 7,040,800.4 Rs. 7,828,832.6 US$ 107,039.0 Wholesale loans Rs. 3,583,055.2 Rs. 4,214,885.3 US$ 57,627.7 Gross loans 10,623,855.6 12,043,717.9 164,666.7 Less: Allowance for credit losses 198,833.2 343,528.7 4,696.9 Total Rs. 10,425,022.4 Rs. 11,700,189.2 US$ 159,969.8
Financing Receivable, by Maturity	The maturity of gross loans as of March 31, 2021 is set out below: As of March 31, 2021 Wholesale loans Retail loans Total (In millions) Maturity profile of loans: Within one year Rs. 1,877,821.3 Rs. 2,235,330.0 Rs. 4,113,151.3 Over one year through five years 1,475,971.2 4,955,833.2 6,431,804.4 Over five years 861,092.8 637,669.4 1,498,762.2 Total Rs. 4,214,885.3 Rs. 7,828,832.6 Rs. 12,043,717.9 Total US$ 57,627.7 US$ 107,039.0 US$ 164,666.7
Past Due Financing Receivables	The following table provides details of age analysis of loans and finance receivable on non-accrual As of March 31, 2020 31-90 Non-accrual/ Current 1,2 Total Finance receivable on non-accrual status (In millions) Retail Loans Auto loans Rs. 4,049.3 Rs. 15,279.2 Rs. 932,724.6 Rs. 952,053.1 Rs. 15,279.2 Personal loans/Credit card 16,819.3 14,481.7 1,889,300.6 1,920,601.6 14,481.7 Retail business banking 15,210.9 32,866.3 1,610,693.1 1,658,770.3 32,866.3 Commercial vehicle and construction equipment finance 17,679.2 22,992.2 706,711.0 747,382.4 22,992.2 Housing loans 3,330.9 2,921.3 628,360.2 634,612.4 2,921.3 Other retail 13,038.1 33,462.8 1,080,879.7 1,127,380.6 33,462.8 Wholesale loans 5,126.9 35,423.4 3,542,504.9 3,583,055.2 35,423.4 Total Rs. 75,254.6 Rs. 157,426.9 Rs. 10,391,174.1 Rs. 10,623,855.6 Rs. 157,426.9 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 non-performing . As of March 31, 2021 31-90 Non-accrual/ Current 1,2 Total Finance receivable on non-accrual status (In millions) Retail Loans Auto loans Rs. 8,523.6 Rs. 28,476.3 Rs. 927,053.3 Rs. 964,053.2 Rs. 28,476.3 Personal loans/Credit card 25,026.7 37,026.1 1,980,674.4 2,042,727.2 37,026.1 Retail business banking 19,239.0 31,328.9 1,957,278.0 2,007,845.9 31,328.9 Commercial vehicle and construction equipment finance 16,946.0 32,015.3 756,368.5 805,329.8 32,015.3 Housing loans 4,530.8 5,171.9 692,532.8 702,235.5 5,171.9 Other retail 18,535.0 39,584.4 1,248,521.6 1,306,641.0 39,584.4 Wholesale loans 6,277.0 40,179.5 4,168,428.8 4,214,885.3 40,179.5 Total Rs. 99,078.1 Rs. 213,782.4 Rs. 11,730,857.4 Rs. 12,043,717.9 Rs. 213,782.4 Total US$ 1,354.6 US$ 2,923.0 US$ 160,389.1 US$ 164,666.7 US$ 2,923.0 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 non-performing Rs. 33.6 billion.
Allowance for Credit Losses on Financing Receivables	Allowance 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 (In millions) Allowance for credit losses, 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 Write-off s (9,155.3 ) (25,197.0 ) (6,665.5 ) (4,812.8 ) (93.3 ) (5,652.0 ) (1,755.7 ) — — (53,331.6 ) Net allowance for credit 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 Allowance for credit losses, 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 Allowance for credit losses: Allowance individually Rs. — Rs. — Rs. — Rs. — Rs. — Rs. — Rs. 20,233.2 Rs. — Rs. — Rs. 20,233.2 Allowance collectively 6,169.0 9,694.0 21,595.3 6,544.8 1,105.2 20,441.5 — 52,941.1 9,507.9 127,998.8 Loans: Loans individually — — — — — — 38,153.7 — — 38,153.7 Loans collectively i 13,606.7 15,781.5 29,945.0 11,254.9 2,157.1 29,523.6 — 6,135,634.8 2,835,407.3 9,073,310.9 * Net allowances for credit losses charged to expense does not include the recoveries against write-off Allowance for credit losses as of March 31, 2020 are as follows: As of March 31, 2020 Specific Unallocated Retail Auto loans Personal Retail Commercial Housing Other Wholesale Retail Wholesale Total (In millions) Allowance for credit losses, 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 Write-off s (11,524.3 ) (41,646.3 ) (9,379.0 ) (10,838.5 ) (130.3 ) (12,833.1 ) (6,328.1 ) — — (92,679.6 ) Net allowance for credit 13,169.8 40,487.4 9,471.1 15,901.0 439.8 16,508.1 12,521.3 31,088.3 3,694.0 143,280.8 Allowance for credit losses, Rs. 7,814.5 Rs. 8,535.1 Rs. 21,687.4 Rs. 11,607.3 Rs. 1,414.7 Rs. 24,116.5 Rs. 26,426.4 Rs. 84,029.4 Rs. 13,201.9 Rs. 198,833.2 Allowance for credit losses: Allowance individually Rs. — Rs. — Rs. — Rs. — Rs. — Rs. — Rs. 26,426.4 Rs.— Rs.— Rs. 26,426.4 Allowance collectively 7,814.5 8,535.1 21,687.4 11,607.3 1,414.7 24,116.5 — 84,029.4 13,201.9 172,406.8 Loans: Loans individually — — — — — — 35,423.4 — — 35,423.4 Loans collectively 15,279.2 14,481.7 32,866.3 22,992.2 2,921.3 33,462.8 — 6,918,796.9 3,547,631.8 10,588,432.2 * Net allowances for credit losses charged to expense does not include the recoveries against write-off The Bank adopted the CECL accounting guidance on April 1, 2020. Allowances for credit losses as of March 31, 2021 are as follows: As at March 31, 2021 Auto loans Personal Retail Commercial Housing Other Wholesale Total Total (In millions) Allowance for credit losses, beginning of the period Rs. 19,219.0 Rs. 47,097.1 Rs. 32,860.3 Rs. 20,463.4 Rs. 1,700.7 Rs. 37,864.3 Rs. 39,628.4 Rs. 198,833.2 US$ 2,718.7 Impact of Adopting ASC 326 9,880.9 38,091.1 3,947.5 325.5 1,659.5 234.3 26,874.2 81,013.0 1,107.6 Write-offs (13,263.5 ) (61,571.8 ) (14,951.6 ) (15,921.5 ) (190.8 ) (9,942.8 ) (3,628.7 ) (119,470.7 ) (1,633.5 ) Net allowance for 23,559.7 86,464.6 20,432.2 21,489.3 1,408.6 21,073.4 8,725.4 183,153.2 2,504.1 Allowance for credit losses, end of the period Rs. 39,396.1 Rs. 110,081.0 Rs. 42,288.4 Rs. 26,356.7 Rs. 4,578.0 Rs. 49,229.2 Rs. 71,599.3 Rs. 343,528.7 US$ 4,696.9 Allowance for Individually Rs. 34.7 Rs. 4.0 Rs. 3,540.7 Rs. 59.6 Rs. — Rs. 72.1 Rs. 33,222.5 Rs. 36,933.6 US$ 505.0 Collectively 39,361.4 110,077.0 38,747.7 26,297.1 4,578.0 49,157.1 38,376.8 306,595.1 4,191.9 Loans: — — — — — — — — Individually s 49.5 4.2 3,560.8 59.7 — 92.7 42,786.8 46,553.7 636.5 Collectively evaluated 964,003.7 2,042,723.0 2,004,285.1 805,270.1 702,235.5 1,306,548.3 4,172,098.5 11,997,164.2 164,030.2 * Net allowances for credit losses charged to expense does not include the recoveries against write-off
Troubled Debt Restructurings Modifications	Fiscal year ended March 31, 2020 Carrying TDRs involving TDRs involving TDRs involving Balance of Net P&L (In millions) Retail Loans: Retail business banking Rs. 964.1 Rs. — Rs. 964.1 Rs. — Rs. — Rs. 43.1 Commercial vehicle and construction equipment finance — — — — — — Wholesale loans — — — — — — Total (4) Rs. 964.1 Rs. — Rs. 964.1 Rs. — Rs. — Rs. 43.1 (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, 2020 comprised of 13 cases . There were nil Interest on loans by facility are as follows: Fiscal year ended March 31, 2019 2020 2021 2021 (In millions) Wholesale loans Rs. 199,928.0 Rs. 245,504.7 Rs. 263,190.7 US$ 3,598.5 Retail loans 627,755.0 736,290.1 753,857.1 10,307.0 Total Rs. 827,683.0 Rs. 981,794.8 Rs. 1,017,047.8 US$ 13,905.5
Retail Loans
Financing Receivable Credit Quality Indicators	Term Loans by origination year as at March 31, Credit quality indicators-Internally assigned grade Prior 2017 2018 2019 2020 2021 Revolving Revolving Total (In millions) Auto loans Performing Rs. 4,599.0 Rs. 30,174.9 Rs. 99,159.5 Rs. 168,159.1 Rs. 266,277.0 Rs. 362,747.1 Rs. 4,460.3 Rs. — Rs. 935,576.9 Non-performing 736.9 2,066.2 6,048.0 9,260.9 8,513.0 1,033.0 818.3 — 28,476.3 Subtotal Rs. 5,335.9 Rs. 32,241.1 Rs. 105,207.5 Rs. 177,420.0 Rs. 274,790.0 Rs. 363,780.1 Rs. 5,278.6 Rs. — Rs. 964,053.2 Personal loans/Credit card Performing Rs. 613.8 Rs. 8,617.1 Rs. 48,658.4 Rs. 178,532.3 Rs. 483,925.8 Rs. 638,007.4 Rs. 326,118.9 Rs. 321,227.4 Rs. 2,005,701.1 Non-performing 118.6 601.7 3,144.1 8,704.2 11,381.7 1,162.5 8,259.7 3,653.6 37,026.1 Subtotal Rs. 732.4 Rs. 9,218.8 Rs. 51,802.5 Rs. 187,236.5 Rs. 495,307.5 Rs. 639,169.9 Rs. 334,378.6 Rs . 324,881.0 Rs. 2,042,727.2 Retail business banking Performing Rs. 35,189.0 Rs. 49,573.1 Rs. 121,663.7 Rs. 145,473.9 Rs. 209,578.9 Rs. 480,518.2 Rs. 934,520.2 Rs. — Rs. 1,976,517.0 Non-performing 3,584.6 2,717.7 4,863.1 3,865.9 1,883.4 1,053.4 13,360.8 — 31,328.9 Subtotal Rs. 38,773.6 Rs. 52,290.8 Rs. 126,526.8 Rs. 149,339.8 Rs. 211,462.3 Rs. 481,571.6 Rs. 947,881.0 Rs. — Rs. 2,007,845.9 Commercial vehicle and construction equipment finance Performing Rs. 517.8 Rs. 6,292.2 Rs. 44,766.4 Rs. 146,432.4 Rs. 214,342.4 Rs. 287,953.1 Rs. 73,010.2 Rs. — Rs. 773,314.5 Non-performing 155.9 836.6 4,397.4 11,112.3 10,159.4 1,086.1 4,267.6 — 32,015.3 Subtotal Rs. 673.7 Rs. 7,128.8 Rs. 49,163.8 Rs. 157,544.7 Rs. 224,501.8 Rs. 289,039.2 Rs. 77,277.8 Rs. — Rs. 805,329.8 Housing loans Performing Rs. 272,061.4 Rs. 111,758.9 Rs. 105,069.4 Rs. 152,564.7 Rs. 55,570.3 Rs. 38.9 Rs. — Rs. — Rs. 697,063.6 Non-performing 2,407.3 1,082.6 744.5 865.9 71.6 — — — 5,171.9 Subtotal Rs. 274,468.7 Rs. 112,841.5 Rs. 105,813.9 Rs. 153,430.6 Rs. 55,641.9 Rs. 38.9 Rs. — Rs. — Rs. 702,235.5 Other retail loans Performing Rs. 2,406.7 Rs. 8,530.0 Rs. 20,090.5 Rs. 45,854.0 Rs. 129,946.8 Rs. 483,241.9 Rs. 576,986.7 Rs. — Rs. 1,267,056.6 Non-performing 2,626.0 1,214.6 2,082.0 4,710.1 7,442.1 1,534.0 19,975.6 — 39,584.4 Subtotal Rs. 5,032.7 Rs 9,744.6 Rs. 22,172.5 Rs. 50,564.1 Rs. 137,388.9 Rs. 484,775.9 Rs. 596,962.3 Rs. — Rs. 1,306,641.0 Total Rs. 325,017.0 Rs. 223,465.6 Rs. 460,687.0 Rs. 875,535.7 Rs. 1,399,092.4 Rs. 2,258,375.6 Rs. 1,961,778.3 Rs. 324,881.0 Rs. 7,828,832.6 Total US$ 4,443.8 US$ 3,055.3 US$ 6,298.7 US$ 11,970.7 US$ 19,129.0 US$ 30,877.4 US$ 26,822.2 US$ 4,441.9 US$ 107,039.0
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/non-performing. non-performing The following table provides information on primary credit quality indicator as at March 31, 2021 Term loans by origination year as at March 31, Credit quality Prior 2017 2018 2019 2020 2021 Revolving Loans Total (In millions) Wholesale loans Pass Rs. 3,939.4 Rs. 3,332.3 Rs. 298,631.5 Rs. 324,816.0 Rs. 568,907.1 Rs. 2,007,206.0 Rs. 930,417.0 Rs. 4,137,249.3 L — — 7,503.2 10,194.9 2,427.6 4,073.6 13,257.2 37,456.5 Non-performing 445.8 84.3 10,893.1 4,778.7 1,445.3 2,255.7 20,276.6 40,179.5 Total Rs. 4,385.2 Rs. 3,416.6 Rs. 317,027.8 Rs. 339,789.6 Rs. 572,780.0 Rs. 2,013,535.3 Rs. 963,950.8 Rs. 4,214,885.3 Total US$ 60.0 US$ 46.7 US$ 4,334.5 US$ 4,645.7 US$ 7,831.3 US$ 27,529.9 US$ 13,179.6 US$ 57,627.7
Receivable By Industry
Non-performing Financing Receivables	Non-performing As of March 31, 2020 (In millions) Gross non-performing —Agri Production—Food Rs. 22,546.3 —Consumer Loans 21,718.9 —Road Transportation 13,067.6 —Retail Trade 8,823.1 —Food and Beverage 8,137.5 —Others (none greater than 5% of non-performing 83,133.5 Total Rs. 157,426.9 As of March 31, 2021 (In millions) Gross non-performing —Consumer Loans Rs. 47,028.8 US$ 643.0 —Agri Production—Food 21,028.5 287.5 —Road Transportation 18,344.8 250.8 —Retail Trade 17,242.9 235.8 —Agri Allied 10,829.6 148.1 —Others (none greater than 5% of non-performing 99,307.8 1,357.8 Total Rs. 213,782.4 US$ 2,923.0 Summary information relating to non-performing Fiscal year ended March 31, 2019 2020 2021 2021 (In millions) Average non-performing Rs. 50,378.2 Rs. 55,232.3 Rs. 73,435.6 US$ 1,004.0 Interest income recognized on non-performing Rs. 6,994.7 Rs. 10,160.5 Rs. 7,025.3 US$ 96.1

Concentrations of credit risk (

Concentrations of credit risk (Tables)	12 Months Ended
	Mar. 31, 2021
Schedules of Concentration of Risk, by Risk Factor	The Bank’s portfolio of loans, credit substitute securities and non-funded As of March 31, 2020 Category Gross loans Fair Values Of Non-funded Total % (In millions, except percentages) Consumer Loans Rs.2,958,437.7 Rs.2,756.6 Rs.446.4 Rs.2,961,640.7 24.3 Retail Trade 533,155.3 343.7 22,820.3 556,319.3 4.6 Power 458,628.1 48,997.7 41,445.6 549,071.4 4.5 Consumer Services 399,046.4 2,015.1 19,135.9 420,197.4 3.4 Engineering 240,196.0 12,255.3 144,296.9 396,748.2 3.2 NBFC 317,450.0 76,860.2 1,659.1 395,969.3 3.2 Road Transportation 376,334.2 495.3 10,849.7 387,679.2 3.2 Automobile & Auto Ancillary 330,632.5 18,397.9 33,037.0 382,067.4 3.1 Real Estate & Property Services 280,870.4 4,309.5 36,335.2 321,515.1 2.6 Agri Production — Food 313,143.6 — 833.3 313,976.9 2.6 Coal & Petroleum Products 136,531.9 33,834.9 115,440.2 285,807.0 2.3 Food and Beverage 260,907.9 1,391.3 21,853.6 284,152.8 2.3 Financial Institutions 219,417.5 59,118.8 2,058.7 280,595.0 2.3 Iron and Steel 231,524.9 1,144.7 45,235.4 277,905.0 2.3 Telecom 232,932.0 10,412.6 29,949.6 273,294.2 2.2 Infrastructure Development 165,578.8 2,457.1 104,731.8 272,767.7 2.2 Business Services 244,028.7 2,278.5 15,953.3 262,260.5 2.1 Wholesale Trade — Non Industrial 238,436.5 — 18,766.1 257,202.6 2.1 Wholesale Trade — Industrial 211,849.6 34.2 34,840.2 246,724.0 2.0 Others (none greater than 2%) 2,474,753.6 85,270.3 525,004.6 3,085,028.5 25.5 Total Rs.10,623,855.6 Rs.362,373.7 Rs.1,224,692.9 Rs.12,210,922.2 100.0 As of March 31, 202 1 Category Gross loans Fair Values Of Non-funded Total Total % (In millions, except percentages) Consumer Loans Rs.3,241,292.9 Rs.— Rs.2,578.6 Rs.3,243,871.5 US$ 44,351.5 23.5 Power 630,189.4 76,449.1 30,299.7 736,938.2 10,075.7 5.3 Retail Trade 540,350.3 — 21,747.7 562,098.0 7,685.2 4.1 NBFC 415,787.6 83,596.5 2,789.6 502,173.7 6,865.9 3.6 Financial Institutions 443,257.3 21,147.1 3.7 464,408.1 6,349.6 3.4 Consumer Services 424,765.4 2,048.0 17,743.6 444,557.0 6,078.2 3.2 Automobile & Auto Ancillary 381,562.7 18,556.9 35,757.0 435,876.6 5,959.5 3.2 Coal & Petroleum Products 172,989.4 190,457.8 59,803.5 423,250.7 5,786.9 3.1 Road Transportation 368,388.5 — 8,572.3 376,960.8 5,154.0 2.7 Infrastructure Development 167,416.1 15,879.7 190,154.9 373,450.7 5,106.0 2.7 Food and Beverage 342,573.5 240.4 29,321.5 372,135.4 5,088.0 2.7 Real Estate & Property Services 298,277.1 4,872.2 35,737.9 338,887.2 4,633.4 2.5 Agri Production — Food 337,904.8 — 998.1 338,902.9 4,633.6 2.5 Wholesale Trade — Non Industrial 301,508.2 2,065.6 17,816.8 321,390.6 4,394.2 2.3 Iron and Steel 248,140.2 13,116.6 53,192.5 314,449.3 4,299.3 2.3 Wholesale Trade — Industrial 258,854.1 — 51,891.6 310,745.7 4,248.6 2.3 Textiles & Garments 257,577.9 6,882.2 27,498.8 291,958.9 3,991.8 2.1 Engineering 189,952.7 6,448.4 92,218.6 288,619.7 3,946.1 2.1 Others (none greater than 2%) 3,022,929.8 105,516.4 538,019.5 3,666,465.7 50,129.4 26.4 Total Rs.12,043,717.9 Rs.547,276.9 Rs.1,216,145.9 Rs.13,807,140.7 US$ 188,776.9 100.0
Exposure to ten largest borrowers
Fair Value, Concentration of Risk	The Bank’s ten largest exposures as of March 31, 2020 and March 31, 2021, based on the higher of the outstanding balance or the limit on loans, investments (including credit substitutes) and non-funded As of March 31, 2020 Funded Non-Funded Total (In millions) Borrower 1 Rs.243,382.8 Rs.1,200.0 Rs.244,582.8 Borrower 2 180,100.0 305.1 180,405.1 Borrower 3 163,738.7 610.9 164,349.6 Borrower 4 74,421.4 75,432.2 149,853.6 Borrower 5 135,455.0 — 135,455.0 Borrower 6 31,934.6 55,651.4 87,586.0 Borrower 7 63,228.0 15,355.2 78,583.2 Borrower 8 75,035.9 221.6 75,257.5 Borrower 9 75,027.7 182.8 75,210.5 Borrower 10 51,361.3 22,128.1 73,489.4 As of March 31, 2021 Funded Non-Funded Total Total (In millions) Borrower 1 Rs. 302,918.5 Rs. 500.0 Rs. 303,418.5 US$ 4,148.5 Borrower 2 192,080.2 61,446.2 253,526.4 3,466.3 Borrower 3 195,480.0 — 195,480.0 2,672.7 Borrower 4 154,997.8 548.1 155,545.9 2,126.7 Borrower 5 150,000.0 489.2 150,489.2 2,057.5 Borrower 6 148,107.3 — 148,107.3 2,025.0 Borrower 7 3,830.9 100,477.6 104,308.5 1,426.1 Borrower 8 98,919.7 2,000.0 100,919.7 1,379.8 Borrower 9 75,437.8 22,268.4 97,706.2 1,335.9 Borrower 10 90,108.0 — 90,108.0 1,232.0

Property and equipment (Tables)

Property and equipment (Tables)	12 Months Ended
	Mar. 31, 2021
Property, Plant and Equipment	Property and equipment by asset category is as follows: As of March 31, 2020 2021 2021 (In millions) Land and premises Rs.19,567.6 Rs.21,205.2 US$ 289.9 Software and systems 33,433.9 37,134.2 507.7 Equipment and furniture 82,179.1 92,610.9 1,266.2 Property and equipment, at cost 135,180.6 150,950.3 2,063.8 Less: Accumulated depreciation 86,852.9 97,855.9 1,337.9 Property and equipment, net Rs.48,327.7 Rs.53,094.4 US$ 725.9

Other assets (Tables)

Other assets (Tables)	12 Months Ended
	Mar. 31, 2021
Other Assets Disclosure	Other assets include the following: As of March 31, 2020 2021 2021 (In millions) Security deposits for leased property Rs . Rs. US$ 75.0 Sundry accounts receivable 55,379.5 46,755.4 639.3 Advance income tax (net of current tax expense) 25,140.7 33,915.5 463.7 Advances 7,639.3 7,790.4 106.5 Prepaid expenses 1,374.6 1,963.8 26.8 Deposits/Margins paid 15,226.9 12,125.1 165.8 Derivatives (refer to note 2 3 190,537.6 84,406.7 1,154.0 Term placements 109,372.8 105,204.8 1,438.4 Receivable on account of trade date 221,960.9 4,928.5 67.4 Right-of-use 60,756.9 64,548.8 882.5 Others* 44,552.6 89,850.5 1,228.5 Total Rs . 737,352.1 Rs. 456,972.8 US$ 6,247.9 * Others include equity securities with carrying value amounting to Rs. 11,611.2 million and Rs. 20,600.1

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Mar. 31, 2021
Deposit Liabilities Table Disclosures	Deposits include demand deposits, which are non-interest-bearing, As of March 31, 2020 2021 2021 (In millions) Interest-bearing: Savings deposits Rs.3,103,769.5 Rs.4,034,924.8 US$ 55,167.1 Time deposits 6,626,711.8 7,191,543.0 98,325.8 Total interest-bearing deposits 9,730,481.3 11,226,467.8 153,492.9 Non-interest-bearing 1,731,590.0 2,110,762.4 28,859.2 Total Rs.11,462,071.3 Rs.13,337,230.2 US$ 182,352.1
Time Deposits By Maturity	As of March 31, 2021, the scheduled maturities for total time deposits were as follows: As of March 31, 2021 (In millions) Due to mature in the fiscal year ending March 31: 2022 Rs. 5,901,654.6 US$ 80,689.8 2023 739,927.7 10,116.6 2024 227,574.0 3,111.5 2025 62,326.9 852.2 2026 205,134.6 2,804.7 Thereafter 54,925.2 751.0 Total Rs. 7,191,543.0 US$ 98,325.8

Short-term borrowings (Tables)

Short-term borrowings (Tables)	12 Months Ended
	Mar. 31, 2021
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, 2020 and March 31, 2021 comprised of the following: As of March 31, 2020 2021 2021 (In millions) Borrowed in the call market Rs. 11,339.8 Rs. 8,860.5 US$ 121.1 Term borrowings from institutions/banks 73,737.9 27,411.6 374.8 Foreign currency borrowings 292,339.9 202,992.0 2,775.4 Total Rs. 377,417.6 Rs. 239,264.1 US$ 3,271.3 Total borrowings outstanding: Maximum amount outstanding Rs. 971,364.0 Rs. 384,035.9 US$ 5,250.7 Average amount outstanding Rs. 493,786.9 Rs. 223,582.3 US$ 3,056.9 Weighted average interest rate 3.2 % 1.4 % 1.4 %

Long-term debt (Tables)

Long-term debt (Tables)	12 Months Ended
	Mar. 31, 2021
Schedule of Long-term Debt Instruments	The below table presents the balance of long-term debt as of March 31, 2020 and March 31, 2021 and the related contractual rates and maturity dates: As of, March 31, 2020 March 31, 2021 Maturity / Stated interest rates Total Maturity / Stated interest rates Total Total (In millions) Subordinated debt Subordinated debt (other than perpetual debt) 2021-2030 7.56% to 10.20% Rs. 133,730.8 2022-2031 7.35% to 10.20% Rs. 126,240.0 US$ 1,726.0 Perpetual debt 2023-2030 8.84% to 9.70% 84,972.7 2023-2030 8.84% to 9.70% 84,976.1 1,161.8 Others* Variable rate—(1) 2021-2023 0.80% to 2.87% 59,018.7 2022-2024 0.11% to 1.33% 50,935.8 696.4 Variable rate—(2) 2021-2024 7.50% to 8.95% 118,083.8 2022-2025 5.90% to 7.75% 97,418.0 1,331.9 Fixed rate—(1) 2021-2030 4.15% to 9.56% 630,712.3 2022-2032 2.80% to 9.56% 815,188.3 11,145.7 Total Rs. 1,026,518.3 Rs. 1,174,758.2 US$ 16,061.8 * 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, 2021 (In millions) Due in the twelve months ending March 31: 2022 Rs. 98,617.5 US$ 1,348.3 2023 336,114.4 4,595.5 2024 210,475.8 2,877.7 2025 133,798.1 1,829.3 2026 29,748.7 406.7 Thereafter 281,027.6 3,842.3 Total (1) Rs. 1,089,782.1 US$ 14,899.8 (1) The  scheduled maturities of long-term debt do not include perpetual bonds of Rs. 84,976.1 million (net of debt issuance cost).
Long-term Debt
Schedule of Long-term Debt Instruments	Long-term debt as of March 31, 2020 and March 31, 2021 comprised of the following: As of March 31, 2020 2021 2021 (In millions) Subordinated debt Rs. 218,755.0 Rs. 211,270.0 US$ 2,888.6 Others* 808,222.0 964,014.9 13,180.4 Less: Debt issuance cost (458.7 ) (526.7 ) (7.2 ) Total Rs. 1,026,518.3 Rs. 1,174,758.2 US$ 16,061.8 * Includes securities sold under repurchase agreements amounting to Rs. 17,260.0 million with stated interest rate of 5.15% per annum and Rs. 90,200.0 ( US$ % per annum for the year

Accrued expenses and other li_2

Accrued expenses and other liabilities (Tables)	12 Months Ended
	Mar. 31, 2021
Accrued Expenses and Other Liabilities	Accrued expenses and other liabilities include the amounts set forth below: As of March 31, 2020 2021 2021 (In millions) Bills payable Rs. 75,837.2 Rs. 124,241.9 US$ 1,698.7 Remittances in transit 35,507.3 54,657.2 747.3 Accrued expenses 54,898.3 69,103.2 944.8 Accounts payable 103,386.2 143,827.0 1,966.5 Der ivat 3 184,783.0 81,880.0 1,119.5 Lease liabilities 65,615.1 70,422.0 962.8 Others 91,300.1 86,965.1 1,189.0 Total Rs. 611,327.2 Rs. 631,096.4 US$ 8,628.6

Accumulated other comprehensi_2

Accumulated other comprehensive income (Tables)	12 Months Ended
	Mar. 31, 2021
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, 2020 and March 31, 2021. Available for Foreign currency Total (In millions) Balance, March 31, 2019 Rs. 10,474.3 Rs. 1,334.5 Rs. 11,808.8 Net unrealized gain/(loss) arising during the period 47,574.2 1,771.7 49,345.9 Amounts reclassified to income (8,823.1 ) — (8,823.1 ) Balance, March 31, 2020 Rs. 49,225.4 Rs. 3,106.2 Rs. 52,331.6 Balance, March 31, 2020 Rs. 49,225.4 Rs. 3,106.2 Rs. 52,331.6 Net unrealized gain/(loss) arising during the period (740.6 ) (1,132.8 ) (1,873.4 ) Amounts reclassified to incom e (23,271.9 ) — (23,271.9 ) Balance, March 31, 2021 Rs. 25,212.9 Rs. 1,973.4 Rs. 27,186.3 Balance, March 31, 2021 US$ 344.7 US$ 27.0 US$ 371.7
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, 2020 and March 31, 2021. As of March 31, 2020 2021 2021 (In millions) Available for sale debt securities: Realized (gain)/loss on sales of available for sale debt securities, net Rs. (22,671.3 ) Rs. (34,014.8 ) US$ (465.1 ) Allowance 9,109.0 2,915.1 39.9 Total before income tax Rs. (13,562.3 ) Rs. (31,099.7 ) US$ (425.2 ) Income tax 4,739.2 7,827.8 107.0 Net of income tax Rs. (8,823.1 ) Rs. (23,271.9 ) US$ (318.2 )

Non-interest revenue (Tables)

Non-interest revenue (Tables)	12 Months Ended
	Mar. 31, 2021
Summary of Disaggregation of Revenue	The table below presents the fees and commissions disaggregated by revenue source for the fiscal years ended March 31, 2019, March 31, 2020 and March 31, 2021. Fiscal years ended March 31, 2019 2020 2021 2021 (In millions) Deposit related fees Rs. 25,383.0 Rs. 29,031.9 Rs. 28,150.4 US$ 384.9 Lending related fees 30,176.2 30,699.9 30,973.1 423.5 Third-party products related fees 22,000.4 28,169.6 35,733.0 488.6 Payments and cards business fees 47,012.4 58,899.3 50,758.2 694.0 Others 9,583.2 13,298.8 19,795.7 270.6 Fees and commissions Rs. 134,155.2 Rs. 160,099.5 Rs. 165,410.4 US$ 2,261.6 The table below presents the fees and commission disaggregated by segment for the fiscal years ended March 31, 2019, March 31, 2020 and March 31, 2021. Fiscal year ended March 31, 2019 2020 2021 2021 (In millions) Retail Banking Rs.123,070.6 Rs.146,855.7 Rs.153,018.2 US$ 2,092.1 Wholesale Banking 10,839.6 13,041.6 11,712.7 160.1 Treasury Services 245.0 202.2 679.5 9.4 Fees and commissions Rs.134,155.2 Rs.160,099.5 Rs.165,410.4 US$ 2,261.6

Income taxes (Tables)

Income taxes (Tables)	12 Months Ended
	Mar. 31, 2021
Income Tax Disclosure Table	Income tax expense is comprised of the following: Fiscal year ended March 31, 2019 2020 2021 2021 (In millions) Current tax expense Rs.128,050.2 Rs.105,587.8 Rs.122,087.4 US$ 1,669.1 Deferred tax (benefit) expense (8,129.4 ) (101.2 ) (8,267.3 ) (112.9 ) Interest on income tax refund (527.3 ) (6.6 ) — — Income tax expense Rs.119,393.5 Rs.105,480.0 Rs.113,820.1 US$ 1,556.2
Reconciliation Of Statutory Federal Tax Rate	The following is a reconciliation of income taxes at the Indian statutory income tax rate to income tax expense as reported: Fiscal year ended March 31, 2019 2020 2021 2021 (In millions) Income before income tax expense Rs.339,959.0 Rs.365,844.0 Rs.439,826.5 US$ 6,013.6 Statutory income tax rate 34.94 % 25.17 % 25.17 % 25.17 % Expected income tax expense 118,795.3 92,075.6 110,695.5 1,513.5 Adjustments to reconcile expected income tax to actual tax expense Interest on income tax refund (343.0 ) (4.9 ) — — Stock based compensation 1,867.2 1,881.6 2,668.7 36.5 Income exempt from taxes (1,422.8 ) (744.2 ) (62.3 ) (0.9 ) Effect of change in statutory income tax rate — 11,213.2 — — Others, net 496.8 1,058.7 518.2 7.1 Income tax expense Rs.119,393.5 Rs.105,480.0 Rs.113,820.1 US$ 1,556.2
Components of Deferred Tax Assets and Liabilities	The tax effects of significant temporary differences are as follows: As of March 31, 2020 2021 2021 (In millions) Tax effect of: Deductible temporary differences: Allowance for loan losses Rs.37,561.2 Rs.67,584.1 US$ 924.0 Lease liabilities 16,514.0 17,723.8 242.3 Employee benefits 1,415.0 752.3 10.3 Accrued expenses and other liabilities 3,381.2 4,997.1 68.3 Others 1,769.4 1,904.4 26.1 Deferred tax asset 60,640.8 92,961.7 1,271.0 Taxable temporary differences: Right-of-use 16,514.0 17,723.8 242.3 Investments available for sale debt securities 16,644.6 8,567.9 117.1 Loan origination cost and fees 3,373.3 3,456.0 47.3 Investments, others 1,510.2 2,874.2 39.3 Deferred tax liability 38,042.1 32,621.9 446.0 Net deferred tax asset (liability) Rs.22,598.7 Rs.60,339.8 US$ 825.0
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, 2020 2021 2021 (In millions) Opening balance Rs. 14,448.1 Rs. 37,103.2 US$ 507.3 Decrease related to prior year tax positions — (221.5 ) (3.0 ) Increase related to prior year tax positions 16,274.4 892.8 12.2 Increase related to current year tax positions Rs. 6,380.7 Rs. 5,273.5 US$ 72.1 Closing balanc e Rs. 37,103.2 Rs. 43,048.0 US$ 588.6

Stock-based compensation (Table

Stock-based compensation (Tables)	12 Months Ended
	Mar. 31, 2021
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, 2019 2020 2021 Dividend yield 0.62%-0.65% 0.61%-0.85% 0.61% Expected volatility 14.53%-18.68% 15.30%-20.13% 20.13%-28.93% Risk-free interest rate 7.23%-8.31% 5.81%-6.70% 4.63%-5.75% Expected term (in years) 2.78-5.16 2.82-5.42 2.65-5.43
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 2019 2020 2021 Options available to be granted, beginning of period 235,683,200 202,413,370 159,487,350 Equity shares allocated for grant under the plan — — — Options granted (39,790,000 ) (47,773,600 ) (57,466,600 ) Forfeited/lapsed 6,520,170 4,847,580 2,673,420 Options available to be granted, end of period 202,413,370 159,487,350 104,694,170 Activity in the options outstanding under the Employee Stock Option Scheme is as follows: Years ended March 31 2019 2020 2021 Options Weighted Options Weighted Options Weighted Options outstanding, beginning of period 150,887,600 Rs. 525.11 136,612,822 Rs. 682.99 142,865,602 Rs. 899.03 Granted 39,790,000 1,030.24 47,773,600 1,220.13 57,466,600 1,235.80 Exercised (47,544,608 ) 462.89 (36,673,240 ) 504.10 (29,490,022 ) 596.85 Forfeited (6,410,770 ) 759.21 (4,813,580 ) 965.64 (2,032,110 ) 1,163.29 Lapsed (109,400 ) 418.55 (34,000 ) 568.10 (641,310 ) 929.57 Options outstanding, end of period 136,612,822 Rs. 682.99 142,865,602 Rs. 899.03 168,168,760 Rs. 1,063.79 Options exercisable, end of period 80,609,722 Rs. 508.89 64,464,392 Rs. 638.18 64,453,260 Rs. 834.48 Weighted average fair value of options granted during the year Rs. 262.79 Rs. 305.78 Rs. 320.42
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, 2021: As of March 31 2021 Plan Range of exercise price Number of Weighted Weighted Plan C Rs.417.75 (or US$ 5.71) 9,700 0.32 417.75 Plan F Rs.417.75 to Rs. 731.08 (or US$ 5.71 to US$ 10.00) 34,974,270 1.48 610.67 Plan G Rs.882.85 to Rs. 1,235.80 (or US$ 12.07 to US$ 16.90) 133,184,790 3.18 1,182.83

Retirement benefits (Tables)

Retirement benefits (Tables)	12 Months Ended
	Mar. 31, 2021
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, 2020 and March 31, 2021 are summarized in the table below. As of March 31, 2020 As of March 31, 2021 Level 1 Level 2 Level 3 Level 1 Level 2 Level 3 (In millions) Funds managed by insurance company (1) Rs. — Rs. — Rs. 600.2 Rs. — Rs. — Rs. 664.1 Funds managed by insurance company (2) — 4,937.3 — — 7,445.5 — Funds managed by trust — Government securities — 110.8 — — 87.6 — — Debenture and bonds — 108.7 — — 123.5 — — Others 118.0 — — 27.2 — — Total Rs. 118.0 Rs. 5,156.8 Rs. 600.2 Rs. 27.2 Rs. 7,656.6 Rs. 664.1 US$ 0.4 US$ 104.7 US$ 9.1
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 2020 and 2021. Funds managed by Insurance 2020 2021 2021 (In millions) Particulars Opening balance Rs. 625.0 Rs. 600.2 US$ 8.2 Realized interest credited to fund 48.0 60.5 0.9 Contribution during the period 89.5 104.5 1.4 Amount paid towards claim (162.3 ) (101.1 ) (1.4 ) Closing balance Rs. 600.2 Rs. 664.1 US$ 9.1
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, 2020 and March 31, 2021: As of March 31 2020 2021 2021 (In millions) Change in benefit obligations: Projected benefit obligation (“PBO”), beginning of the period Rs. 6,653.5 Rs. 7,883.0 US$ 107.8 Service cost 965.4 1,107.0 15.1 Interest cost 483.3 561.6 7.7 Actuarial(gains)/ losses 368.9 759.4 10.4 Benefits paid (588.1 ) (491.4 ) (6.7 ) Projected benefit obligation, end of the period 7,883.0 9,819.6 134.3 Change in plan assets: Fair value of plan assets, beginning of the period 5,501.8 5,779.8 79.1 Expected return on plan assets 389.9 448.4 6.1 Actuarial gains/(losses) (620.5 ) 1,223.0 16.7 Actual return on plan assets (230.6 ) 1671.4 22.80 Employer contributions 1,096.7 1384.8 18.9 Benefits paid (588.1 ) (491.4 ) (6.7 ) Fair value of plan assets, end of the period 5,779.8 8,344.6 114.10 Funded Status Rs. (2,103.2) Rs. (1,475.0) US$ (20.2)
Schedule of Net Benefit Costs	Net gratuity cost for the years ended March 31 2019 31 2020 31 2021 Fiscal years ended March 31 2019 2020 2021 2021 (In millions) Service cost Rs. 820.6 Rs. 965.4 Rs. 1,107.0 US$ 15.1 Interest cost 476.7 483.3 561.6 7.7 Expected return on plan assets (347.4 ) (389.9 ) (448.4 ) (6.1 ) Actuarial (gains)/losse s (176.6 ) 989.4 (463.6 ) (6.3 ) Net gratuity cost Rs. 773.3 Rs. 2,048.2 Rs. 756.6 US$
Schedule of Assumptions Used	The assumptions used in accounting for the gratuity plan are set out below: Fiscal years ended March 31 2019 2020 2021 (% per annum) Discount rate* 7.2-8.4 6.0-7.5 4.4-7.0 Rate of increase in compensation levels of covered employees 5.0 - 9.0 7.0 - 8.0 5.0 - 9.0 Rate of return on plan assets 7.0 - 7.2 6.0 - 7.0 4.4 - 7.0 Mortality rates used are based on the published “Indian Assured Lives Mortality (2012-2014) * 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) 2022 Rs. 1,271.4 2023 1,058.3 2024 927.5 2025 837.2 2026 746.1 2027 - 2031 3,017.0
Schedule of Allocation of Plan Assets	As at March 31, 2021, the plan assets as a percentage of the total funds were as follows: As of March 31 2021 Funds managed (1) Funds managed (2) Funds Government securities 79.5 % 22.7 % 36.5 % Debenture and bonds 14.0 % 26.2 % 51.9 % Equity securities 5.7 % 46.1 % — Other 0.8 % 5.0 % 11.6 % 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 2021
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, 2020 and March 31, 2021: As of March 31, 2020 2021 2021 (In millions) Change in benefit obligations: Projected benefit obligation (“PBO”), beginning of the period Rs. 677.6 Rs. 598.2 US$ 8.2 Service cost 6.5 14.6 0.2 Interest cost 45.3 37.7 0.5 Actuarial (gains)/losses 15.3 327.9 4.5 Benefits paid (146.5 ) (116.4 ) (1.6 ) Projected benefit obligation, end of the period 598.2 862.0 11.8 Change in plan assets: Fair value of plan assets, beginning of the period 219.5 95.2 1.3 Expected return on plan assets 11.0 3.2 — Actuarial gains/(losses) 2.9 (1.7 ) — Actual return on plan assets 13.9 1.5 — Employer contributions 8.3 23.0 0.3 Benefits paid (146.5 ) (116.4 ) (1.6 ) Fair value of plan assets, end of the period 95.2 3.3 — Funded Statu s Rs. (503.0) Rs. (858.7) US$ (11.8)
Schedule of Net Benefit Costs	Net pension cost for the years ended March 31, 2018, March 31, 2019 and March 31, 2020 was comprised of the following components: As of March 31, 2019 2020 2021 2021 (In millions) Service cost Rs. 7.7 Rs. 6.5 Rs. 14.6 US$ 0.20 Interest cost 66.3 45.3 37.7 0.50 Expected return on plan asset s (18.6 ) (11.0 ) (3.2 ) — Actuarial (gains)/losses 1.7 12.4 329.6 4.50 Net pension cost Rs. 57.1 Rs. 53.2 Rs. 378.7 US$ 5.2
Schedule of Assumptions Used	The assumptions used in accounting for the pension plan are set out below: Fiscal years ended March 31, 2019 2020 2021 (% per annum) Discount rate* 8.4 7.5 7.0 Rate of increase in compensation levels of covered employees 8.0 7.0 7.0 Rate of return on plan assets 7.0 7.0 6.5 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) 2022 Rs. 227.7 2023 94.1 2024 147.8 2025 126.6 2026 42.4 2027-2031 625.6
Schedule of Allocation of Plan Assets	The weighted-average asset allocation of the said plan assets for the pension benefits as at March 31, 2021 is as follows: Asset category Funds managed Government securities 54.5 % Debenture and bonds 45.5 % Other — % Total 100.0 %

Financial instruments (Tables)

Financial instruments (Tables)	12 Months Ended
	Mar. 31, 2021
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, 2020 and March 31, 2021, together with the fair values on each reporting date. As of March 31, 2020 Notional Gross Assets Gross Liabilities Net Fair Value Interest rate derivatives Rs. 3,644,495.8 Rs. 49,876.8 Rs. 51,976.9 Rs. (2,100.1 ) Forward rate agreements — — — — Currency options 304,252.4 3,034.4 4,342.0 (1,307.6 ) Currency swaps 202,725.6 12,396.0 6,592.1 5,803.9 Forward exchange contracts 6,079,195.0 125,230.4 121,872.0 3,358.4 Total Rs. 10,230,668.8 Rs. 190,537.6 Rs. 184,783.0 Rs. 5,754.6 As of March 31, 2021 Notional Gross Assets Gross Liabilities Net Fair Value Notional Net Fair Value (In millions) Interest rate derivatives Rs. 3,155,410.2 Rs. 32,217.2 Rs. 33,894.0 Rs. (1,676.8 ) US$ 43,142.1 US$ (22.9 ) Forward rate agreements 20,887.8 270.0 64.1 205.9 285.6 2.8 Currency options 202,402.7 1,078.7 1,510.7 (432.0 ) 2,767.3 (5.9 ) Currency swaps 237,081.5 8,126.4 4,940.8 3,185.6 3,241.5 43.6 Forward exchange contracts 4,964,726.6 42,714.4 41,470.4 1,244.0 67,879.8 16.9 Total Rs. 8,580,508.8 Rs. 84,406.7 Rs. 81,880.0 Rs. 2,526.7 US$ 117,316.3 US$ 34.5
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 – 2019 2020 2021 2021 (In millions) Interest rate derivatives Rs. 736.4 Rs. (2,572.2 ) Rs. 773.9 US$ 10.6 Forward rate agreements 0.1 — 205.9 2.8 Currency options (262.5 ) 585.5 1,191.1 16.2 Currency swaps 1,045.0 3,465.5 (3,309.2 ) (45.2 ) Forward exchange contracts 10,890.1 2,071.2 (2,114.7 ) (28.9 ) Total gains/(losses) Rs. 12,409.1 Rs. 3,550.0 Rs. (3,253.0 ) US$ (44.5 )
Amounts Subject to Enforceable Netting Arrangements	As of March 31, 2020 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. 190,537.6 Rs. — Rs. 190,537.6 Rs. 147,844.5 Rs. 8,326.7 Rs. 34,366.4 Securities purchased under agreements to resell 250,000.0 — 250,000.0 — 250,000.0 — Financial liabilities Derivative liabilities Rs. 184,783.0 Rs. — Rs. 184,783.0 Rs. 147,844.5 Rs. 6,706.7 Rs. 30,231.8 Securities sold under repurchase agreements 507,982.0 — 507,982.0 — 507,982.0 — Long Term debt 17,260.0 — 17,260.0 — 17,260.0 — (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, 2021 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. 84,406.7 Rs. — Rs. 84,406.7 Rs. 55,002.7 Rs. 4,065.5 Rs. 25,338.5 US$ 346.4 Securities purchased under agreements to resell 270,060.0 — 270,060.0 — 270,060.0 — — Financial liabilities Derivative liabilities Rs. 81,880.0 Rs. — Rs. 81,880.0 Rs. 55,002.7 Rs. 4,816.3 Rs. 22,061.0 US$ 301.6 Securities sold 356,059.2 — 356,059.2 — 356,059.2 — — Long Term debt 90,200.0 — 90,200.0 — 90200.0 — — (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, 2020 2021 2021 (In millions) Nominal values: Bank guarantees: Financial guarantees Rs. 263,758.0 Rs. 334,040.8 US$ 4,567.1 Performance guarantees 330,164.6 421,162.2 5,758.3 Documentary credits 440,232.7 376,536.2 5,148.2 Total Rs. 1,034,155.3 Rs. 1,131,739.2 US$ 15,473.6 Estimated fair values: Guarantees Rs. (4,191.9) Rs. (5,500.7) US$ (75.2) Documentary credits (488.8) (543.4 ) (7.4) Total Rs. (4,680.7 ) Rs. (6,044.1 ) US$ (82.6)
Summary of allowance for Credit Losses on Off-Balance sheet credit exposures and undrawn commitments	The allowance for Credit Losses included in accrued expenses and other liabilities on Off-Balance As of March 31, 2021 (In millions) Allowance for credit losses, beginning of the period Rs. 3,226.8 Impact of Adoption of ASC 326 2,296.6 Provision for credit exposures 58.1 Allowance for credit losses, end of the period Rs. 5,581.5

Estimated fair value of finan_2

Estimated fair value of financial instruments (Tables)	12 Months Ended
	Mar. 31, 2021
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, 2020 March 31, 2021 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. 611,961.0 Rs. 611,961.0 Rs. — Rs. — Rs. 611,961.0 Rs. 930,694.7 Rs. 930,694.7 Rs. — Rs. — Rs. 930,694.7 US$ 12,724.8 US$ 12,724.8 Investments held for trading 304,962.9 6,291.0 298,671.9 — 304,962.9 99,620.2 — 99,620.2 — 99,620.2 1,362.0 1,362.0 Investments available for sale debt securities 3,406,289.2 371,450.5 2,907,384.4 127,454.3 3,406,289.2 4,275,449.9 176,015.8 3,938,270.2 161,163.9 4,275,449.9 58,455.7 58,455.7 Securities purchased under agreements to resell 250,000.0 — 250,000.0 — 250,000.0 270,060.0 — 270,060.0 — 270,060.0 3,692.4 3,692.4 Loans 10,425,022.4 — 2,593,022.1 7,936,633.4 10,529,655.5 11,700,189.2 — 2,807,875.9 9,066,940.1 11,874,816.0 159,969.8 162,357.3 Accrued interest receivable 103,035.9 — 103,035.9 — 103,035.9 118,762.9 — 118,762.9 — 118,762.9 1,623.8 1,623.8 Other assets 641,605.5 2,282.4 637,594.1 — 639,876.5 320,187.5 11,869.8 306,640.9 — 318,510.7 4,377.7 4,354.8 Financial Liabilities — — Interest-bearing deposits 9,730,481.3 — 9,786,793.2 — 9,786,793.2 11,226,467.8 — 11,282,540.2 — 11,282,540.2 153,492.9 154,259.5 Non-interest-bearing 1,731,590.0 — 1,731,590.0 — 1,731,590.0 2,110,762.4 — 2,110,762.4 — 2,110,762.4 28,859.2 28,859.2 Securities sold under repurchase agreements 507,982.0 — 507,982.0 — 507,982.0 356,059.2 — 356,059.2 — 356,059.2 4,868.2 4,868.2 Short-term borrowings 377,417.6 — 378,027.9 — 378,027.9 239,264.1 — 238,700.3 — 238,700.3 3,271.3 3,263.6 Accrued interest payable 80,078.9 — 80,078.9 — 80,078.9 77,969.1 — 77,969.1 — 77,969.1 1,066.0 1,066.0 Long-term debt 1,026,518.3 — 1,074,826.3 — 1,074,826.3 1,174,758.2 — 1,200,953.4 — 1,200,953.4 16,061.8 16,419.9 Accrued expenses and other liabilities 460,931.4 — 460,931.4 — 460,931.4 445,135.7 — 445,135.7 — 445,135.7 6,086.1 6,086.1

Segment information (Tables)

Segment information (Tables)	12 Months Ended
	Mar. 31, 2021
Schedule of Segment Reporting Information, by Segment	Summarized segment information for the years ended March 31, 2019, March 31, 2020 and March 31, 2021: Fiscal year ended March 31, 2019 2020 Retail Wholesale Treasury Total Retail Wholesale Treasury Total (In millions) Net interest income/(expense) (External) Rs. 336,677.1 Rs. 140,085.0 Rs. 30,743.5 Rs. 507,505.6 Rs. 356,017.3 Rs. 204,725.8 Rs. 32,784.3 Rs. 593,527.4 Net interest income/(expense) (Internal) 62,339.1 (43,842.8 ) (18,496.3 ) — 127,065.9 (101,002.5 ) (26,063.4 ) — Net interest revenue 399,016.2 96,242.2 12,247.2 507,505.6 483,083.2 103,723.3 6,720.9 593,527.4 Less: Provision for credit losses 64,051.0 8,228.3 — 72,279.3 104,516.8 13,105.1 — 117,621.9 Net interest revenue, after provision for credit losses 334,965.2 88,013.9 12,247.2 435,226.3 378,566.4 90,618.2 6,720.9 475,905.5 Non-interest 138,783.0 23,789.6 (2,450.4 ) 160,122.2 161,890.1 36,059.1 269.8 ) 198,219.0 Non-interest (230,726.5 ) (22,744.8 ) (1,918.2 ) (255,389.5 ) (278,605.8 ) (27,774.0 ) (1,900.7 ) (308,280.5 ) Income before income tax Rs. 243,021.7 Rs. 89,058.7 Rs. 7,878.6 Rs. 339,959.0 Rs. 261,850.7 Rs. 98,903.3 Rs. 5,090.0 Rs. 365,844.0 Income tax expense Rs. 119,393.5 Rs. 105,480.0 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 Rs. 8,353,762.3 Rs. 5,933,391.4 Rs. 1,674,735.4 Rs. 15,961,889.1 Fiscal year ended March 31, 2021 Retail Banking Wholesale Treasury Total Total (In millions) Net interest income/(expense) (External) Rs. 361,343.5 Rs. 278,431.0 Rs. 43,912.0 Rs. 683,686.5 US$ 9,347.8 Net interest income/(expense) (Internal) 176,420.0 (143,863.7 ) (32,556.3 ) — — Net interest revenue 537,763.5 134,567.3 11,355.7 683,686.5 9,347.8 Less: Provision for credit losses 145,822.0 8,411.4 — 154,233.4 2,108.7 Net interest revenue, after provision for 391,941.5 126,155.9 11,355.7 529,453.1 7,239.1 Non-interest 175,447.7 72,420.1 5,107.9 252,975.7 3,458.7 Non-interest (306,461.1 ) (34,238.4 ) (1,902.8 ) (342,602.3 ) (4,684.2 ) Income before income tax Rs. 260,928.1 Rs. 164,337.6 Rs. 14,560.8 Rs. 439,826.5 US$ 6,013.6 Income tax expense Rs. 113,820.1 US$ 1,556.2 Segment assets: Segment total assets Rs. 9,356,987.2 Rs. 7,011,959.9 Rs. 1,610,834.9 Rs. 17,979,782.0 US$ 245,826.9

Commitments and contingencies (

Commitments and contingencies (Tables)	12 Months Ended
	Mar. 31, 2021
Summary Of Operating Lease Right Of Use Asset And Lease Liability	The Bank is party to operating leases for certain of its office premises and employee residences, with a renewal at the option of the Bank. Operating lease right-of-use As of March 31, 2020 2021 2021 (In millions) Right-of-use R s. Rs. 64,548.8 US$ 882.5 Lease liabilities 65,615.1 70,422.0 962.8
Operating Leases of Lessee Disclosure	The total lease expenses are as follows: As of March 31, 2019 2020 2021 2021 (In millions) The total minimum lease expense during the year recognized in the consolidated statement of income Rs. 12,700.8 Rs. 13,698.7 Rs. 14,244.4 US$ 194.8
Schedule of Future Minimum Rental Payments for Operating Leases	The future minimum lease payments as of March 31, 2021 were as follows: Due in fiscal year ending March 31: Operating leases (In millions, except for weighted averages) 2022 Rs. 11,783.1 US$ 161.1 2023 10,951.6 149.7 2024 10,125.8 138.4 2025 9,553.1 130.6 2026 9,201.9 125.8 Thereafter 50,337.5 688.2 Total lease payments Rs. 101,953.0 US$ 1,393.8 Less: imputed interest 31,531.0 431.0 Total operating lease liabilities Rs. 70,422.0 US$ 962.8 Weighted average remaining lease term (in years) 9.8 9.8 Weighted average discount rate 7.0 % 7.0 %
Movement in Provision for Reward Points	The movement in provision for credit card and debit card reward points as of March 31, 2020 and March 31, 2021 is as follows: As of March 31, 2020 2021 2021 (In millions) Opening provision of reward points Rs. 6,030.9 Rs. 7,341.5 US$ 100.4 Provision made during the year 5,356.0 3,752.1 51.3 Utilization/write back of provision (3,868.8 ) (4,026.7 ) (55.1 ) Effect of change in rate of accrual of reward points (176.6 ) (679.0 ) (9.3 ) Closing provision of reward points Rs. 7,341.5 Rs. 6,387.9 US$ 87.3

Related party transactions (Tab

Related party transactions (Tables)	12 Months Ended
	Mar. 31, 2021
Schedule of Related Party Transactions	Balances payable to related parties are as follows: As of March 31, 2020 2021 Principal Others Total Principal Others Total Total (In millions) Balances in non-interest-bearing Rs. 35,128.7 Rs. 8,258.8 Rs. 43,387.5 Rs. 31,834.6 Rs. 9,732.0 Rs. 41,566.6 US$ 568.3 Balances in interest-bearing 1,662.0 5,954.8 7,616.8 3,772.1 1,830.5 5,602.6 76.6 Accrued expenses and other liabilities 1,002.8 — 1,002.8 1,110.5 — 1,110.5 15.2 Total Rs. 37,793.5 Rs. 14,213.6 Rs. 52,007.1 Rs. 36,717.2 Rs. 11,562.5 Rs. 48,279.7 US$ 660.1 Balances receivable from related parties are as follows: As of March 31, 2020 2021 Principal Others Total Principal Others Total Total (In millions) Loans Rs. — Rs. 26.5 Rs. 26.5 Rs. — Rs. 10.6 Rs. 10.6 US$ 0.1 Other assets 449.5 1,266.9 1,716.4 1,390.9 1,627.7 3,018.6 41.3 Total Rs. 449.5 Rs. 1,293.4 Rs. 1,742.9 Rs. 1,390.9 Rs. 1,638.3 Rs. 3,029.2 US$ 41.4 Purchase of property and equipment from related parties for the years ended March 31, 2020 and 2021 were nil. Purchase and sale of investments from Others for the year ended March 31, 2021 were Rs.114.3 million (previous year Rs. 4,872.8 million) and Rs. 29,451.1 million (previous year Rs. 28,016.8 million), respectively. Investments of Others in the Bank’s subordinated debt for the fiscal year ended March 31, 2021 were Rs. 400.0 million (previous year Rs. 200.0 million). Included in the determination of net income are the following significant transactions with related parties: Fiscal year ended March 31, 2019 2020 2021 Principal Others Total Principal Others Total Principal Others Total Total (In millions) Non-interest Rs. 2,829.7 Rs. 14,558.3 Rs. 17,388.0 Rs. 3,089.4 Rs. 17,001.7 Rs. 20,091.1 Rs 3,246.5 Rs. 19,801.6 Rs. 23,048.1 US$ 315.1 Interest and Dividend revenue 352.0 1,549.7 1,901.7 — 1,194.2 1,194.2 — 552.5 552.5 7.6 Interest expense-Deposits (54.9 ) (138.0 ) (192.9 ) (85.3 ) (84.2 ) (169.5 ) (108.0 ) (171.3 ) (279.3 ) (3.8 ) Non-interest (4,838.3 ) (2,841.7 ) (7,680.0 ) (5,840.8 ) (3,119.6 ) (8,960.4 ) (5,874.4 ) (2,856.3 ) (8,730.7 ) (119.4 ) Non-interest (31.2 ) (6.1 ) (37.3 ) (25.8 ) (9.7 ) (35.5 ) (24.3 ) (5.2 ) (29.5 ) (0.4 )

Earnings per equity share (Tabl

Earnings per equity share (Tables)	12 Months Ended
	Mar. 31, 2021
Weighted-average number of shares	As of March 31, 2019 2020 2021 Weighted average number of equity shares used in computing basic earnings per equity share 5,360,068,058 5,468,802,148 5,499,587,357 Effect of potential equity shares for stock options outstanding 53,585,896 36,990,405 23,890,989 Weighted average number of equity shares used in computing diluted earnings per equity share 5,413,653,954 5,505,792,553 5,523,478,346
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, 2019 2020 2021 2021 Basic earnings per share Rs. 41.07 Rs. 47.59 Rs. 59.27 US$ 0.81 Effect of potential equity shares for stock options outstanding 0.41 0.32 0.25 0.01 Diluted earnings per share Rs. 40.66 Rs. 47.27 Rs. 59.02 US$ 0.80 Basic earnings per ADS Rs. 123.21 Rs. 142.77 Rs. 177.81 US$ 2.43 Effect of potential equity shares for stock options outstanding 1.23 0.96 0.75 0.03 Diluted earnings per ADS Rs. 121.98 Rs. 141.81 Rs. 177.06 US$ 2.40

Fair value measurement (Tables)

Fair value measurement (Tables)	12 Months Ended
	Mar. 31, 2021
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, 2020 and March 31, 2021: Particulars As of March 31, 2020 (in millions) Beginning balance at April 1, 2019 Rs. 38,812.9 Total gains or losses (realized/unrealized) -Included in net income — -Included in other comprehensive income 1,535.5 Purchases/additions 126,891.3 Sales — Issuances — Settlements (39,785.4 ) Transfers in Level 3 — Transfers out of Level 3 — Foreign currency translation adjustment — Ending balance at March 31, 2020 Rs. 127,454.3 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 — Particulars As of March 31, 2021 (In millions) Beginning balance at April 1, 2020 Rs. 127,454.3 Total gains or losses (realized/unrealized) -Included in net income — -Included in other comprehensive income 2,236.4 Purchases/additions 80,406.3 Sales — Issuances — Settlements (48,933.1 ) Transfers in Level 3 — Transfers out of Level 3 — Foreign currency translation adjustment — Ending balance at March 31, 2021 Rs. 161,163.9 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 — Change in unrealized gains or losses for the period included in other Rs 2,236.4
Investments
Fair Value Measured on Recurring Basis	The following table summarizes investments measured at fair value on a recurring basis as of March 31, 2020, 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. 304,962.9 Rs. 6,291.0 Rs. 298,671.9 Rs. — Securities Available-for-Sale 3,406,289.2 371,450.5 2,907,384.4 127,454.3 Equity securities * 10,937.5 2,282.4 8,655.1 — Total Rs. 3,722,189.6 Rs. 380,023.9 Rs. 3,214,711.4 Rs. 127,454.3 * Equity securities classified within other assets. The following table summarizes investments measured at fair value on a recurring basis as of March 31, 2021, 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. 99,620.2 Rs. — Rs. 99,620.2 Rs. — Securities Available-for-Sale 4,275,449.9 176,015.8 3,938,270.2 161,163.9 Equity securities * 19,577.8 11,869.8 7,708.0 — Total Rs. 4,394,647.9 Rs. 187,885.6 Rs. 4,045,598.4 Rs. 161,163.9 Total US$ 60,085.4 US$ 2,568.8 US$ 55,313.1 US$ 2,203.5 * 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, 2020, 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. 190,537.6 Rs. — Rs. 190,537.6 Rs. — Derivative liabilities Rs. 184,783.0 Rs. — Rs. 184,783.0 Rs. — The following table summarizes derivative instruments measured at fair value on a recurring basis as of March 31, 2021, 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. 84,406.7 Rs. — Rs. 84,406.7 Rs. — Derivative liabilities Rs. 81,880.0 Rs. — Rs. 81,880.0 Rs. —

Bank Overview - Additional Info

Bank Overview - Additional Information (Detail)	Aug. 02, 2018$ / sharesshares	Jul. 17, 2018₨ / sharesshares	Mar. 31, 2021₨ / sharesshares	Mar. 31, 2020₨ / sharesshares	Mar. 31, 2019shares	Sep. 20, 2019₨ / sharesshares	Sep. 19, 2019₨ / shares
Nature Of Business [Line Items]
Shares issued, price per share | ₨ / shares						₨ 1
Equity shares, issued			5,512,776,482	5,483,286,460		5,470,763,894
Equity shares, par value | ₨ / shares			₨ 1	₨ 1		₨ 1	₨ 2
Employees Stock Option Scheme
Nature Of Business [Line Items]
Total number of shares issued pursuant to exercise of stock options			29,490,022	36,673,240	47,544,608
Per ADS information (where 1 ADS represents 3 shares)
Nature Of Business [Line Items]
Shares issued	35,000,000
Shares issued, price per share | $ / shares	$ 52
Equity Shares
Nature Of Business [Line Items]
Shares issued	105,000,000
Qualified Institutional Placement (QIP)
Nature Of Business [Line Items]
Shares issued			25,694,444
Shares issued, price per share | ₨ / shares			₨ 1,080
Housing Development Finance Corporation Limited
Nature Of Business [Line Items]
Equity ownership interest of the bank's largest shareholder			21.10%	21.20%
Housing Development Finance Corporation Limited | Preferential Allotment
Nature Of Business [Line Items]
Shares issued		78,193,634
Shares issued, price per share | ₨ / shares		₨ 1,087.05

Summary of Significant Accoun_4

Summary of Significant Accounting Policies - Additional Information (Detail) ₨ in Millions	Apr. 01, 2020INR (₨)	Mar. 31, 2021Segment	Mar. 31, 2020
Significant Accounting Policies [Line Items]
Reportable segments | Segment		3
Financial statements translation rate, Indian rupees (Rs.) equivalence of U.S. $1		73.14
Impact of ASC 326 Adoption
Significant Accounting Policies [Line Items]
Increase decrease in retained earnings	₨ 62,480.4
Increase decrease in deferred tax asset	21,016
Loans and leases receivable, gross	₨ 83,496.4
Retail Loans | Personal Loans, Credit Card Receivables, Auto Loans, Commercial Vehicle and Construction Equipment Finance
Significant Accounting Policies [Line Items]
Loans charge off period			150 days
Retail Loans | Housing loans
Significant Accounting Policies [Line Items]
Loans charge off period			720 days
Retail Loans | Retail Business Banking
Significant Accounting Policies [Line Items]
Loans charge off period			customer by customer basis
Minimum
Significant Accounting Policies [Line Items]
Bank voting rights		20.00%
Minimum | Retail Loans
Significant Accounting Policies [Line Items]
Loans charge off period			150 days
Maximum
Significant Accounting Policies [Line Items]
Bank voting rights		50.00%
Maximum | Retail Loans
Significant Accounting Policies [Line Items]
Loans charge off period			1083 days
HDFC Group [Member] | Minimum
Significant Accounting Policies [Line Items]
Percentage of voting rights in which bank consolidates subsidiary		50.00%

Summary of Significant Accoun_5

Summary of Significant Accounting Policies - Summary of the Table Illustrates the Impact on Allowances for Credit Losses on Adopting ASC 326 (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Apr. 01, 2020INR (₨)	Mar. 31, 2020INR (₨)
Loans and Leases Receivable Disclosure [Line Items]
Loans	₨ 11,700,189.2	$ 159,969.8		₨ 10,425,022.4
As reported under ASC 326
Loans and Leases Receivable Disclosure [Line Items]
Allowance for Credit Losses on Off-Balance Sheet Credit Exposures and undrawn commitments			₨ 5,523.4
Allowance for Credit Losses Other			186.8
Total			285,556.4
As reported under ASC 326 | Auto loans
Loans and Leases Receivable Disclosure [Line Items]
Loans			29,099.9
As reported under ASC 326 | Personal loans
Loans and Leases Receivable Disclosure [Line Items]
Loans			85,188.2
As reported under ASC 326 | Retail Business Banking
Loans and Leases Receivable Disclosure [Line Items]
Loans			36,807.8
As reported under ASC 326 | Commercial vehicle and construction equipment finance
Loans and Leases Receivable Disclosure [Line Items]
Loans			20,788.9
As reported under ASC 326 | Housing loans
Loans and Leases Receivable Disclosure [Line Items]
Loans			3,360.2
As reported under ASC 326 | Other retail loans
Loans and Leases Receivable Disclosure [Line Items]
Loans			38,098.6
As reported under ASC 326 | Wholesale loans
Loans and Leases Receivable Disclosure [Line Items]
Loans			66,502.6
As reported under ASC 326 | Allowance for Credit Losses on Loans
Loans and Leases Receivable Disclosure [Line Items]
Loans			279,846.2
As reported under ASC 326 | Allowance for Credit Losses on AFS debt securities
Loans and Leases Receivable Disclosure [Line Items]
Allowance for Credit Losses on AFS debt securities			0
Pre-ASC 326 adoption
Loans and Leases Receivable Disclosure [Line Items]
Allowance for Credit Losses on Off-Balance Sheet Credit Exposures and undrawn commitments			3,226.8
Allowance for Credit Losses Other			0
Total			202,060
Pre-ASC 326 adoption | Auto loans
Loans and Leases Receivable Disclosure [Line Items]
Loans			19,219
Pre-ASC 326 adoption | Personal loans
Loans and Leases Receivable Disclosure [Line Items]
Loans			47,097.1
Pre-ASC 326 adoption | Retail Business Banking
Loans and Leases Receivable Disclosure [Line Items]
Loans			32,860.3
Pre-ASC 326 adoption | Commercial vehicle and construction equipment finance
Loans and Leases Receivable Disclosure [Line Items]
Loans			20,463.4
Pre-ASC 326 adoption | Housing loans
Loans and Leases Receivable Disclosure [Line Items]
Loans			1,700.7
Pre-ASC 326 adoption | Other retail loans
Loans and Leases Receivable Disclosure [Line Items]
Loans			37,864.3
Pre-ASC 326 adoption | Wholesale loans
Loans and Leases Receivable Disclosure [Line Items]
Loans			39,628.4
Pre-ASC 326 adoption | Allowance for Credit Losses on Loans
Loans and Leases Receivable Disclosure [Line Items]
Loans			198,833.2
Pre-ASC 326 adoption | Allowance for Credit Losses on AFS debt securities
Loans and Leases Receivable Disclosure [Line Items]
Allowance for Credit Losses on AFS debt securities			0
Impact of ASC 326 Adoption
Loans and Leases Receivable Disclosure [Line Items]
Allowance for Credit Losses on Off-Balance Sheet Credit Exposures and undrawn commitments			2,296.6
Allowance for Credit Losses Other			186.8
Total			83,496.4
Impact of ASC 326 Adoption | Auto loans
Loans and Leases Receivable Disclosure [Line Items]
Loans			9,880.9
Impact of ASC 326 Adoption | Personal loans
Loans and Leases Receivable Disclosure [Line Items]
Loans			38,091.1
Impact of ASC 326 Adoption | Retail Business Banking
Loans and Leases Receivable Disclosure [Line Items]
Loans			3,947.5
Impact of ASC 326 Adoption | Commercial vehicle and construction equipment finance
Loans and Leases Receivable Disclosure [Line Items]
Loans			325.5
Impact of ASC 326 Adoption | Housing loans
Loans and Leases Receivable Disclosure [Line Items]
Loans			1,659.5
Impact of ASC 326 Adoption | Other retail loans
Loans and Leases Receivable Disclosure [Line Items]
Loans			234.3
Impact of ASC 326 Adoption | Wholesale loans
Loans and Leases Receivable Disclosure [Line Items]
Loans			26,874.2
Impact of ASC 326 Adoption | Allowance for Credit Losses on Loans
Loans and Leases Receivable Disclosure [Line Items]
Loans			81,013
Impact of ASC 326 Adoption | Allowance for Credit Losses on AFS debt securities
Loans and Leases Receivable Disclosure [Line Items]
Allowance for Credit Losses on AFS debt securities			₨ 0

Property and Equipment Deprecia

Property and Equipment Depreciation Rate Over Estimated Useful Lives of Property and Equipment on Straight-Line Basis (Detail)	12 Months Ended
	Mar. 31, 2021
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%

Cash and Due From Banks and Res

Cash and Due From Banks and Restricted Cash - Additional Information (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Restricted Cash and Cash Equivalents Items [Line Items]
Restricted cash	₨ 552,005.5	$ 7,547.2	₨ 361,409.5

Portfolio of Trading Securities

Portfolio of Trading Securities (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Schedule of Trading Securities and Other Trading Assets [Line Items]
Amortized Cost	₨ 102,792.1	$ 1,405.3	₨ 304,311.2
Gross Unrealized Gains	240	3.3	701.4
Gross Unrealized Losses	3,411.9	46.6	49.7
Fair Value	99,620.2	$ 1,362	304,962.9
Debt Securities
Schedule of Trading Securities and Other Trading Assets [Line Items]
Amortized Cost	49,879.9		211,627.3
Gross Unrealized Gains	129.1		600
Gross Unrealized Losses	3		49.7
Fair Value	50,006		212,177.6
Debt Securities | Government of India securities
Schedule of Trading Securities and Other Trading Assets [Line Items]
Amortized Cost	15,076		207,131.4
Gross Unrealized Gains	85.8		592.9
Gross Unrealized Losses	2.6		17.2
Fair Value	15,159.2		207,707.1
Debt Securities | Other corporate/financial institution securities
Schedule of Trading Securities and Other Trading Assets [Line Items]
Amortized Cost	34,803.9		4,495.9
Gross Unrealized Gains	43.3		7.1
Gross Unrealized Losses	0.4		32.5
Fair Value	34,846.8		4,470.5
Other securities (including mutual fund units)
Schedule of Trading Securities and Other Trading Assets [Line Items]
Amortized Cost	52,912.2		92,683.9
Gross Unrealized Gains	110.9		101.4
Gross Unrealized Losses	3,408.9		0
Fair Value	₨ 49,614.2		₨ 92,785.3

Portfolio of Available for Sale

Portfolio of Available for Sale Debt Securities (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	₨ 4,241,981.6	$ 57,998.1	₨ 3,340,732.3
Gross Unrealized Gains	57,061	780.2	68,285.4
Gross Unrealized Losses	23,592.7	322.6	2,728.5
Fair Value	4,275,449.9	58,455.7	3,406,289.2
Debt securities, other than asset and mortgage-backed securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	4,084,551.2		3,213,339.7
Gross Unrealized Gains	52,977.7		66,538.4
Gross Unrealized Losses	23,281		2,578.5
Fair Value	4,114,247.9	$ 56,251.6	3,277,299.6
Debt securities, other than asset and mortgage-backed securities | Government of India securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	3,159,905.2		2,637,464.4
Gross Unrealized Gains	31,824.6		52,630
Gross Unrealized Losses	20,225.8		1,491.6
Fair Value	3,171,504		2,688,602.8
Debt securities, other than asset and mortgage-backed securities | State government securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	348,067.7		177,055.9
Gross Unrealized Gains	7,373.7		11,337.7
Gross Unrealized Losses	2,669.6		0
Fair Value	352,771.8		188,393.6
Debt securities, other than asset and mortgage-backed securities | Government securities outside India
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	5,932.2		8,367
Gross Unrealized Gains	3.8		48.4
Gross Unrealized Losses	0		0
Fair Value	5,936		8,415.4
Debt securities, other than asset and mortgage-backed securities | Credit Substitutes
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	534,227.1		360,741.5
Gross Unrealized Gains	13,423.1		2,309.5
Gross Unrealized Losses	373.3		677.3
Fair Value	547,276.9		362,373.7
Debt securities, other than asset and mortgage-backed securities | Other corporate/financial institution bonds
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	36,419		29,710.9
Gross Unrealized Gains	352.5		212.8
Gross Unrealized Losses	12.3		409.6
Fair Value	36,759.2		29,514.1
Mortgage-backed securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	30.5		37.3
Gross Unrealized Gains	1.8		0.8
Gross Unrealized Losses	0		0
Fair Value	32.3		38.1
Asset-backed securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	157,399.9		125,931.2
Gross Unrealized Gains	4,081.5		1,746
Gross Unrealized Losses	311.7		150
Fair Value	161,169.7		127,527.2
Other securities (including mutual fund units)
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost			1,424.1
Gross Unrealized Gains			0.2
Gross Unrealized Losses			0
Fair Value			1,424.3
Securities with gross unrealized losses
Schedule of Available-for-sale Securities [Line Items]
Fair Value	1,162,099.9		300,932.1
Securities with gross unrealized gains
Schedule of Available-for-sale Securities [Line Items]
Fair Value	₨ 3,113,350		₨ 3,105,357.1

Investments, Available for Sale

Investments, Available for Sale Debt Securities - Additional Information (Detail) ₨ in Millions, $ in Millions	Apr. 01, 2020INR (₨)	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)	Mar. 31, 2021USD ($)
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)		₨ 1,694,645.4		₨ 1,760,859.1	$ 23,169.9
Available-for-sale Securities, Gross Unrealized Loss		22,895.4
Net allowance for credit losses		2,915.1	$ 39.9
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		3,524,275.8		2,876,996.4	48,185.3
Available for sale investments, amount kept as margins for clearing, collateral borrowing and lending obligation (CBLO) and real time gross settlement (RTGS)		1,694,645.4		1,760,859.1	$ 23,169.9
Other than temporary impairment losses on available for sale securities				₨ 9,109
Available-for-Sale Debt Securities | Accounting Guidance
Schedule of Available-for-sale Securities [Line Items]
Net allowance for credit losses	₨ 0
HDB Debt Securities Other Than Asset And Mortgage Backed Securities | Government Issued or Backed Securities
Schedule of Available-for-sale Securities [Line Items]
Net allowance for credit losses		0
Mortgage-backed securities
Schedule of Available-for-sale Securities [Line Items]
Net allowance for credit losses		₨ 0
Average credit rating		AAA	AAA
Asset-backed securities
Schedule of Available-for-sale Securities [Line Items]
Net allowance for credit losses		₨ 0
Average credit rating		AAA	AAA

Gross Unrealized Losses and Fai

Gross Unrealized Losses and Fair Value of Available for Sale Debt Securities (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Gain (Loss) on Securities [Line Items]
Less Than 12 Months Fair Value	₨ 1,162,001.7	$ 15,887.4	₨ 122,669.6
Less Than 12 Months Unrealized Losses	23,591.6	322.6	1,105.3
12 Months or Greater Fair Value	98.2	1.3	178,262.5
12 Months or Greater Unrealized Losses	1.1	0	1,623.2
Fair Value	1,162,099.9	15,888.7	300,932.1
Unrealized Losses	23,592.7	$ 322.6	2,728.5
Debt securities, other than asset and mortgage-backed securities
Gain (Loss) on Securities [Line Items]
Less Than 12 Months Fair Value	1,112,762.7		81,158.9
Less Than 12 Months Unrealized Losses	23,279.9		960.6
12 Months or Greater Fair Value	98.2		177,416.2
12 Months or Greater Unrealized Losses	1.1		1,617.9
Fair Value	1,112,860.9		258,575.1
Unrealized Losses	23,281		2,578.5
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	930,710		24,492.8
Less Than 12 Months Unrealized Losses	20,224.7		69.8
12 Months or Greater Fair Value	98.2		158,735.8
12 Months or Greater Unrealized Losses	1.1		1,421.8
Fair Value	930,808.2		183,228.6
Unrealized Losses	20,225.8		1,491.6
Debt securities, other than asset and mortgage-backed securities | Credit Substitutes
Gain (Loss) on Securities [Line Items]
Less Than 12 Months Fair Value	43,455.7		38,039.9
Less Than 12 Months Unrealized Losses	373.3		481.2
12 Months or Greater Fair Value	0		18,680.4
12 Months or Greater Unrealized Losses	0		196.1
Fair Value	43,455.7		56,720.3
Unrealized Losses	373.3		677.3
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	4,957.2		18,626.2
Less Than 12 Months Unrealized Losses	12.3		409.6
12 Months or Greater Fair Value	0		0
12 Months or Greater Unrealized Losses	0		0
Fair Value	4,957.2		18,626.2
Unrealized Losses	12.3		409.6
Debt securities, other than asset and mortgage-backed securities | State government securities
Gain (Loss) on Securities [Line Items]
Less Than 12 Months Fair Value	133,639.8		0
Less Than 12 Months Unrealized Losses	2,669.6		0
12 Months or Greater Fair Value	0		0
12 Months or Greater Unrealized Losses	0		0
Fair Value	133,639.8		0
Unrealized Losses	2,669.6		0
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		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
Mortgage-backed securities
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
Asset-backed securities
Gain (Loss) on Securities [Line Items]
Less Than 12 Months Fair Value	49,239		41,510.7
Less Than 12 Months Unrealized Losses	311.7		144.7
12 Months or Greater Fair Value	0		846.3
12 Months or Greater Unrealized Losses	0		5.3
Fair Value	49,239		42,357
Unrealized Losses	311.7		150
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

Investments, Available for Sa_2

Investments, Available for Sale Debt Securities -Summary of Allowances for Available for sale debt Securities (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)
Debt Securities, Available-for-sale, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	₨ 0	$ 0
Write- offs	0	0
Net allowance for credit losses	2,915.1	39.9
Allowance for credit losses, end of the period	2,915.1	$ 39.9
Debt securities, other than asset and mortgage0.0backed securities
Debt Securities, Available-for-sale, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	0
Write- offs	0
Net allowance for credit losses	0
Allowance for credit losses, end of the period	0
Mortgage-backed securities
Debt Securities, Available-for-sale, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	0
Write- offs	0
Net allowance for credit losses	0
Allowance for credit losses, end of the period	0
Asset-backed securities
Debt Securities, Available-for-sale, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	0
Write- offs	0
Net allowance for credit losses	0
Allowance for credit losses, end of the period	0
Other securities (including mutual fund units)
Debt Securities, Available-for-sale, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	0
Write- offs	0
Net allowance for credit losses	0
Allowance for credit losses, end of the period	0
Government of India securities
Debt Securities, Available-for-sale, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	0
Write- offs	0
Net allowance for credit losses	0
Allowance for credit losses, end of the period	0
State government securities
Debt Securities, Available-for-sale, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	0
Write- offs	0
Net allowance for credit losses	0
Allowance for credit losses, end of the period	0
Credit Substitutes
Debt Securities, Available-for-sale, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	0
Write- offs	0
Net allowance for credit losses	2,915.1
Allowance for credit losses, end of the period	2,915.1
Other corporate/financial institution bonds
Debt Securities, Available-for-sale, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	0
Write- offs	0
Net allowance for credit losses	0
Allowance for credit losses, end of the period	0
Government securities outside India
Debt Securities, Available-for-sale, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	0
Write- offs	0
Net allowance for credit losses	0
Allowance for credit losses, end of the period	₨ 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, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Amortized Cost
Amortized Cost	₨ 4,241,981.6	$ 57,998.1	₨ 3,340,732.3
Fair Value
Total	4,275,449.9	58,455.7	3,406,289.2
Debt securities, other than asset and mortgage-backed securities
Amortized Cost
Within one year	847,885.7
Over one year through five years	1,362,628.4
Over five years through ten years	1,133,763.6
Over ten years	740,273.5
Amortized Cost	4,084,551.2		3,213,339.7
Fair Value
Within one year	849,275.7	11,611.6
Over one year through five years	1,388,323.5	18,981.7
Over five years through ten years	1,145,349.2	15,659.7
Over ten years	731,299.5	9,998.6
Total	₨ 4,114,247.9	$ 56,251.6	₨ 3,277,299.6

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, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Amortized Cost
Amortized Cost	₨ 4,241,981.6	$ 57,998.1	₨ 3,340,732.3
Fair Value
Total	4,275,449.9	58,455.7	₨ 3,406,289.2
Asset and Mortgage Backed Securities
Amortized Cost
Within one year	64,729.1
Over one year through five years	89,730.9
Over five years through ten years	1,127.6
Over ten years	1,842.8
Amortized Cost	157,430.4
Fair Value
Within one year	66,238.6	905.6
Over one year through five years	91,976.6	1,257.5
Over five years through ten years	1,135.9	15.5
Over ten years	1,850.9	25.3
Total	₨ 161,202	$ 2,203.9

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, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)	Mar. 31, 2019INR (₨)
Schedule of Available-for-sale Securities [Line Items]
Gross realized gains on sale	₨ 56,439.4	$ 771.8	₨ 26,128.1	₨ 3,788.1
Gross realized losses on sale	(514.2)	(7.2)	(301.9)	(1,192.1)
Realized gains (losses), net	55,925.2	764.6	25,826.2	2,596
Dividends and interest	226,690.9	3,099.4	198,383.2	190,992.5
Total	₨ 282,616.1	$ 3,864	₨ 224,209.4	₨ 193,588.5

Investments, Held to Maturity -

Investments, Held to Maturity - Additional Information (Detail) - INR (₨) ₨ in Millions	Mar. 31, 2021	Mar. 31, 2020
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, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	₨ 4,241,981.6	$ 57,998.1	₨ 3,340,732.3
Fair Value	4,275,449.9	58,455.7	3,406,289.2
Debt securities, other than asset and mortgage-backed securities | Credit Substitutes
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	534,227.1	7,304.2	360,741.5
Fair Value	547,276.9	$ 7,482.6	362,373.7
Debt securities, other than asset and mortgage-backed securities | Credit Substitutes | Debentures
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	524,448.4		236,717.2
Fair Value	537,472.8		237,980.3
Debt securities, other than asset and mortgage-backed securities | Credit Substitutes | Commercial paper
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	9,778.7		124,024.3
Fair Value	₨ 9,804.1		₨ 124,393.4

Fair Values of Credit Substit_2

Fair Values of Credit Substitutes (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)	Mar. 31, 2021USD ($)
Schedule of Available-for-sale Securities [Line Items]
Pass	₨ 547,276.9		₨ 362,373.7	$ 7,482.6
Impaired—gross balance	0		0	0
Less: Impairment losses	0	$ 0	0
Impaired credit substitutes, net	0		0	0
Total credit substitutes, net	₨ 547,276.9		₨ 362,373.7	$ 7,482.6

Impaired Credit Substitutes (De

Impaired Credit Substitutes (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)	Mar. 31, 2021USD ($)
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, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Repurchase Agreement and Resale Agreement Counterparty [Line Items]
Securities purchased under agreements to resell	₨ 270,060	$ 3,692.4	₨ 250,000
Securities sold under repurchase agreements, amount outstanding	₨ 356,059.2	$ 4,868.2	₨ 507,982
Maximum
Repurchase Agreement and Resale Agreement Counterparty [Line Items]
Securities purchased under agreements to resell, maturity (days)	14 days
Securities sold under repurchase agreements, maturity (days)	14 days

Loans - Additional Information

Loans - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans provided as collateral for borrowings	₨ 406,381.7		$ 5,556.2	₨ 574,064.8
Purchased financing receivable outstanding	710,194.7			644,672.4
Loans receivable restructured due to unexpected event	138,400	$ 1,900
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
TDR modifications carrying value	0
Loans receivable restructured due to unexpected event	137,800
Wholesale Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
TDR modifications carrying value				₨ 0
Loans receivable restructured due to unexpected event	₨ 600
Crop related agricultural loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of days past due up to which loans considered current	90 days	90 days
Number of past days less than to which Crop Related Agricultural loans are not considered as impaired	366 days	366 days
HDB Retail Business Banking [Member] | Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
TDR modifications carrying value	₨ 0

Loans by Facility (Detail)

Loans by Facility (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)	Mar. 31, 2018INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	₨ 12,043,717.9	$ 164,666.7	₨ 10,623,855.6
Less: Allowance for credit losses	343,528.7	4,696.9	198,833.2	$ 2,718.7	₨ 148,232	₨ 112,507.2
Total	11,700,189.2	159,969.8	10,425,022.4
Auto loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Less: Allowance for credit losses	39,396.1		19,219
Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Less: Allowance for credit losses	110,081		47,097.1
Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Less: Allowance for credit losses	42,288.4		32,860.3
Commercial vehicle and construction equipment finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Less: Allowance for credit losses	26,356.7		20,463.4
Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Less: Allowance for credit losses	4,578		1,700.7
Other Retail
Accounts, Notes, Loans and Financing Receivable [Line Items]
Less: Allowance for credit losses	49,229.2		37,864.3
Retail Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	7,828,832.6	107,039	7,040,800.4
Retail Loans | Auto loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	964,053.2	13,180.9	952,053.1
Retail Loans | Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	2,042,727.2	27,929	1,920,601.6
Retail Loans | Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	2,007,845.9	27,452.1	1,658,770.3
Retail Loans | Commercial vehicle and construction equipment finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	805,329.8	11,010.8	747,382.4
Retail Loans | Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	702,235.5	9,601.3	634,612.4
Retail Loans | Other Retail
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	1,306,641	17,864.9	1,127,380.6
Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	4,214,885.3	$ 57,627.7	3,583,055.2
Less: Allowance for credit losses	₨ 71,599.3		₨ 39,628.4

Maturity of Gross Loans (Detail

Maturity of Gross Loans (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Within one year	₨ 4,113,151.3
Over one year through five years	6,431,804.4
Over five years	1,498,762.2
Total gross loans	12,043,717.9	$ 164,666.7	₨ 10,623,855.6
Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Within one year	1,877,821.3
Over one year through five years	1,475,971.2
Over five years	861,092.8
Total gross loans	4,214,885.3	57,627.7	3,583,055.2
Retail Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Within one year	2,235,330
Over one year through five years	4,955,833.2
Over five years	637,669.4
Total gross loans	₨ 7,828,832.6	$ 107,039	₨ 7,040,800.4

Loan Delinquency and Non-Accrua

Loan Delinquency and Non-Accrual Loans (Detail) ₨ in Millions, $ in Millions		Mar. 31, 2021INR (₨)		Mar. 31, 2021USD ($)		Mar. 31, 2020INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		₨ 12,043,717.9		$ 164,666.7		₨ 10,623,855.6
Finance receivable on non-accrual status	[1]	213,782.4		2,923		157,426.9
Retail Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		7,828,832.6		107,039		7,040,800.4
Retail Loans | Auto loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		964,053.2		13,180.9		952,053.1
Finance receivable on non-accrual status	[1]	28,476.3				15,279.2
Retail Loans | Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		2,042,727.2		27,929		1,920,601.6
Finance receivable on non-accrual status	[1]	37,026.1				14,481.7
Retail Loans | Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		2,007,845.9		27,452.1		1,658,770.3
Finance receivable on non-accrual status	[1]	31,328.9				32,866.3
Retail Loans | Commercial vehicle and construction equipment finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		805,329.8		11,010.8		747,382.4
Finance receivable on non-accrual status	[1]	32,015.3				22,992.2
Retail Loans | Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		702,235.5		9,601.3		634,612.4
Finance receivable on non-accrual status	[1]	5,171.9				2,921.3
Retail Loans | Other Retail
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		1,306,641		17,864.9		1,127,380.6
Finance receivable on non-accrual status	[1]	39,584.4				33,462.8
Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		4,214,885.3		57,627.7		3,583,055.2
Finance receivable on non-accrual status	[1]	40,179.5				35,423.4
Financing Receivable, 31 to 90 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		99,078.1		1,354.6		75,254.6
Financing Receivable, 31 to 90 Days Past Due | Retail Loans | Auto loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		8,523.6				4,049.3
Financing Receivable, 31 to 90 Days Past Due | Retail Loans | Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		25,026.7				16,819.3
Financing Receivable, 31 to 90 Days Past Due | Retail Loans | Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		19,239				15,210.9
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		16,946				17,679.2
Financing Receivable, 31 to 90 Days Past Due | Retail Loans | Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		4,530.8				3,330.9
Financing Receivable, 31 to 90 Days Past Due | Retail Loans | Other Retail
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		18,535				13,038.1
Financing Receivable, 31 to 90 Days Past Due | Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		6,277				5,126.9
Non-accrual/ 91 days or more past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		213,782.4		2,923		157,426.9
Non-accrual/ 91 days or more past due | Retail Loans | Auto loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		28,476.3				15,279.2
Non-accrual/ 91 days or more past due | Retail Loans | Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		37,026.1				14,481.7
Non-accrual/ 91 days or more past due | Retail Loans | Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		31,328.9				32,866.3
Non-accrual/ 91 days or more past due | Retail Loans | Commercial vehicle and construction equipment finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		32,015.3				22,992.2
Non-accrual/ 91 days or more past due | Retail Loans | Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		5,171.9				2,921.3
Non-accrual/ 91 days or more past due | Retail Loans | Other Retail
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		39,584.4				33,462.8
Non-accrual/ 91 days or more past due | Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		40,179.5				35,423.4
Total current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	[3]	11,730,857.4	[2]	$ 160,389.1	[2]	10,391,174.1	[4]
Total current | Retail Loans | Auto loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	[3]	927,053.3	[2]			932,724.6	[4]
Total current | Retail Loans | Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	[3]	1,980,674.4	[2]			1,889,300.6	[4]
Total current | Retail Loans | Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	[3]	1,957,278	[2]			1,610,693.1	[4]
Total current | Retail Loans | Commercial vehicle and construction equipment finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	[3]	756,368.5	[2]			706,711	[4]
Total current | Retail Loans | Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	[3]	692,532.8	[2]			628,360.2	[4]
Total current | Retail Loans | Other Retail
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	[3]	1,248,521.6	[2]			1,080,879.7	[4]
Total current | Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	[3]	₨ 4,168,428.8	[2]			₨ 3,542,504.9	[4]
[1]	In accordance with the COVID-19 Regulatory Packages announced by the RBI on March 27, 2020, April 17, 2020 and May 23, 2020, the Bank, in accordance with its board approved policy, offered a moratorium on the repayment of all installments and / or interest, as applicable, due between March 1, 2020 and August 31, 2020 to all eligible borrowers classified as standard, even if overdue, as on February 29, 2020. In respect of such accounts that were granted moratorium within the laid down framework, the asset classification remained standstill during the moratorium period. The Supreme Court of India, in a public interest litigation, vide an interim order dated September 03, 2020, had directed banks that accounts which were not declared NPA till August 31, 2020 shall not be declared as NPA till further orders. Accordingly, the Bank did not classify any account which was not NPA as of August 31, 2020 as per the RBI IRAC norms, as NPA after August 31, 2020.
[2]	Includes crop related agricultural loans with days past due less than 366 as they are not considered as non-performing Rs. 33.6 billion.
[3]	Loans up to 30 days past due are considered current
[4]	Includes crop related agricultural loans with days past due less than 366 as they are not considered as non-performing Rs. 34.0 billion.

Loan Delinquency and Non-Accr_2

Loan Delinquency and Non-Accrual Loans (Parenthetical) (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2021INR (₨)	Mar. 31, 2020INR (₨)	Mar. 31, 2021USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	₨ 12,043,717.9	₨ 10,623,855.6	$ 164,666.7
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	₨ 33,600	₨ 34,000

Summary of Gross Loans Originat

Summary of Gross Loans Origination and Internally Assigned Credit Risk Ratings (Detail) - Mar. 31, 2021 ₨ in Millions, $ in Millions	INR (₨)	USD ($)
Retail Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	₨ 325,017	$ 4,443.8
2017	223,465.6	3,055.3
2018	460,687	6,298.7
2019	875,535.7	11,970.7
2020	1,399,092.4	19,129
2021	2,258,375.6	30,877.4
Revolving Loans	1,961,778.3	26,822.2
Revolving loans converted to term loans	324,881	4,441.9
Total	7,828,832.6	107,039
Retail Loans | Auto loans
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	5,335.9
2017	32,241.1
2018	105,207.5
2019	177,420
2020	274,790
2021	363,780.1
Revolving Loans	5,278.6
Revolving loans converted to term loans	0
Total	964,053.2
Retail Loans | Personal loans/Credit card
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	732.4
2017	9,218.8
2018	51,802.5
2019	187,236.5
2020	495,307.5
2021	639,169.9
Revolving Loans	334,378.6
Revolving loans converted to term loans	324,881
Total	2,042,727.2
Retail Loans | Retail Business Banking
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	38,773.6
2017	52,290.8
2018	126,526.8
2019	149,339.8
2020	211,462.3
2021	481,571.6
Revolving Loans	947,881
Revolving loans converted to term loans	0
Total	2,007,845.9
Retail Loans | Commercial vehicle and construction equipment finance
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	673.7
2017	7,128.8
2018	49,163.8
2019	157,544.7
2020	224,501.8
2021	289,039.2
Revolving Loans	77,277.8
Revolving loans converted to term loans	0
Total	805,329.8
Retail Loans | Housing loans
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	274,468.7
2017	112,841.5
2018	105,813.9
2019	153,430.6
2020	55,641.9
2021	38.9
Revolving Loans	0
Revolving loans converted to term loans	0
Total	702,235.5
Retail Loans | Other Retail
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	5,032.7
2017	9,744.6
2018	22,172.5
2019	50,564.1
2020	137,388.9
2021	484,775.9
Revolving Loans	596,962.3
Revolving loans converted to term loans	0
Total	1,306,641
Retail Loans | Performing | Auto loans
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	4,599
2017	30,174.9
2018	99,159.5
2019	168,159.1
2020	266,277
2021	362,747.1
Revolving Loans	4,460.3
Revolving loans converted to term loans	0
Total	935,576.9
Retail Loans | Performing | Personal loans/Credit card
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	613.8
2017	8,617.1
2018	48,658.4
2019	178,532.3
2020	483,925.8
2021	638,007.4
Revolving Loans	326,118.9
Revolving loans converted to term loans	321,227.4
Total	2,005,701.1
Retail Loans | Performing | Retail Business Banking
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	35,189
2017	49,573.1
2018	121,663.7
2019	145,473.9
2020	209,578.9
2021	480,518.2
Revolving Loans	934,520.2
Revolving loans converted to term loans	0
Total	1,976,517
Retail Loans | Performing | Commercial vehicle and construction equipment finance
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	517.8
2017	6,292.2
2018	44,766.4
2019	146,432.4
2020	214,342.4
2021	287,953.1
Revolving Loans	73,010.2
Revolving loans converted to term loans	0
Total	773,314.5
Retail Loans | Performing | Housing loans
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	272,061.4
2017	111,758.9
2018	105,069.4
2019	152,564.7
2020	55,570.3
2021	38.9
Revolving Loans	0
Revolving loans converted to term loans	0
Total	697,063.6
Retail Loans | Performing | Other Retail
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	2,406.7
2017	8,530
2018	20,090.5
2019	45,854
2020	129,946.8
2021	483,241.9
Revolving Loans	576,986.7
Revolving loans converted to term loans	0
Total	1,267,056.6
Retail Loans | Non-performing | Auto loans
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	736.9
2017	2,066.2
2018	6,048
2019	9,260.9
2020	8,513
2021	1,033
Revolving Loans	818.3
Revolving loans converted to term loans	0
Total	28,476.3
Retail Loans | Non-performing | Personal loans/Credit card
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	118.6
2017	601.7
2018	3,144.1
2019	8,704.2
2020	11,381.7
2021	1,162.5
Revolving Loans	8,259.7
Revolving loans converted to term loans	3,653.6
Total	37,026.1
Retail Loans | Non-performing | Retail Business Banking
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	3,584.6
2017	2,717.7
2018	4,863.1
2019	3,865.9
2020	1,883.4
2021	1,053.4
Revolving Loans	13,360.8
Revolving loans converted to term loans	0
Total	31,328.9
Retail Loans | Non-performing | Commercial vehicle and construction equipment finance
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	155.9
2017	836.6
2018	4,397.4
2019	11,112.3
2020	10,159.4
2021	1,086.1
Revolving Loans	4,267.6
Revolving loans converted to term loans	0
Total	32,015.3
Retail Loans | Non-performing | Housing loans
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	2,407.3
2017	1,082.6
2018	744.5
2019	865.9
2020	71.6
2021	0
Revolving Loans	0
Revolving loans converted to term loans	0
Total	5,171.9
Retail Loans | Non-performing | Other Retail
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	2,626
2017	1,214.6
2018	2,082
2019	4,710.1
2020	7,442.1
2021	1,534
Revolving Loans	19,975.6
Revolving loans converted to term loans	0
Total	39,584.4
Wholesale loans
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	4,385.2	60
2017	3,416.6	46.7
2018	317,027.8	4,334.5
2019	339,789.6	4,645.7
2020	572,780	7,831.3
2021	2,013,535.3	27,529.9
Revolving Loans	963,950.8	13,179.6
Total	4,214,885.3	$ 57,627.7
Wholesale loans | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	3,939.4
2017	3,332.3
2018	298,631.5
2019	324,816
2020	568,907.1
2021	2,007,206
Revolving Loans	930,417
Total	4,137,249.3
Wholesale loans | Labelled
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	0
2017	0
2018	7,503.2
2019	10,194.9
2020	2,427.6
2021	4,073.6
Revolving Loans	13,257.2
Total	37,456.5
Wholesale loans | Non-performing
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	445.8
2017	84.3
2018	10,893.1
2019	4,778.7
2020	1,445.3
2021	2,255.7
Revolving Loans	20,276.6
Total	₨ 40,179.5

Non-performing Loans (Detail)

Non-performing Loans (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-performing loans	₨ 213,782.4	$ 2,923	₨ 157,426.9
Agri Production - Food
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-performing loans	21,028.5	287.5	22,546.3
Consumer Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-performing loans	47,028.8	643	21,718.9
Road Transportion
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-performing loans	18,344.8	250.8	13,067.6
Retail Trade
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-performing loans	17,242.9	235.8	8,823.1
Food And Beverage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-performing loans			8,137.5
Agri-Allied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-performing loans	10,829.6	148.1
Others (none greater than 5% of non-performing loans)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-performing loans	₨ 99,307.8	$ 1,357.8	₨ 83,133.5

Summary Information Relating to

Summary Information Relating to Non-performing Loans (Detail) Loans (Detail) - Gross Loans ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)	Mar. 31, 2019INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Average non-performing loans, net of allowance	₨ 73,435.6	$ 1,004	₨ 55,232.3	₨ 50,378.2
Interest income recognized on non-performing loans	₨ 7,025.3	$ 96.1	₨ 10,160.5	₨ 6,994.7

Allowance for Credit Losses (De

Allowance for Credit Losses (Detail) ₨ in Millions, $ in Millions		12 Months Ended
		Mar. 31, 2021INR (₨)		Mar. 31, 2021USD ($)		Mar. 31, 2020INR (₨)		Mar. 31, 2019INR (₨)		Mar. 31, 2021USD ($)
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period		₨ 198,833.2		$ 2,718.7		₨ 148,232		₨ 112,507.2
Write-offs		(119,470.7)		(1,633.5)		(92,679.6)		(53,331.6)
Net allowance for credit losses		183,153.2	[1]	2,504.1	[1]	143,280.8	[2]	89,056.4	[3]
Allowance for credit losses, end of the period		343,528.7		4,696.9		198,833.2		148,232
Allowance for credit losses:
Allowance individually evaluated for impairment		36,933.6				26,426.4		20,233.2		$ 505
Allowance collectively evaluated for impairment		306,595.1				172,406.8		127,998.8		4,191.9
Loans:
Loans individually evaluated for impairment		46,553.7				35,423.4		38,153.7		636.5
Loans collectively evaluated for impairment		11,997,164.2				10,588,432.2		9,073,310.9		$ 164,030.2
Impact of ASC 326 Adoption
Financing Receivable, Allowance for Credit Loss [Line Items]
Impact of Adopting ASC 326		81,013		$ 1,107.6
Auto loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period		19,219
Write-offs		(13,263.5)
Net allowance for credit losses	[1]	23,559.7
Allowance for credit losses, end of the period		39,396.1				19,219
Allowance for credit losses:
Allowance individually evaluated for impairment		34.7
Allowance collectively evaluated for impairment		39,361.4
Loans:
Loans individually evaluated for impairment		49.5
Loans collectively evaluated for impairment		964,003.7
Auto loans | Impact of ASC 326 Adoption
Financing Receivable, Allowance for Credit Loss [Line Items]
Impact of Adopting ASC 326		9,880.9
Personal loans/Credit card
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period		47,097.1
Write-offs		(61,571.8)
Net allowance for credit losses	[1]	86,464.6
Allowance for credit losses, end of the period		110,081				47,097.1
Allowance for credit losses:
Allowance individually evaluated for impairment		4
Allowance collectively evaluated for impairment		110,077
Loans:
Loans individually evaluated for impairment		4.2
Loans collectively evaluated for impairment		2,042,723
Personal loans/Credit card | Impact of ASC 326 Adoption
Financing Receivable, Allowance for Credit Loss [Line Items]
Impact of Adopting ASC 326		38,091.1
Retail Business Banking
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period		32,860.3
Write-offs		(14,951.6)
Net allowance for credit losses	[1]	20,432.2
Allowance for credit losses, end of the period		42,288.4				32,860.3
Allowance for credit losses:
Allowance individually evaluated for impairment		3,540.7
Allowance collectively evaluated for impairment		38,747.7
Loans:
Loans individually evaluated for impairment		3,560.8
Loans collectively evaluated for impairment		2,004,285.1
Retail Business Banking | Impact of ASC 326 Adoption
Financing Receivable, Allowance for Credit Loss [Line Items]
Impact of Adopting ASC 326		3,947.5
Commercial vehicle and construction equipment finance
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period		20,463.4
Write-offs		(15,921.5)
Net allowance for credit losses	[1]	21,489.3
Allowance for credit losses, end of the period		26,356.7				20,463.4
Allowance for credit losses:
Allowance individually evaluated for impairment		59.6
Allowance collectively evaluated for impairment		26,297.1
Loans:
Loans individually evaluated for impairment		59.7
Loans collectively evaluated for impairment		805,270.1
Commercial vehicle and construction equipment finance | Impact of ASC 326 Adoption
Financing Receivable, Allowance for Credit Loss [Line Items]
Impact of Adopting ASC 326		325.5
Housing loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period		1,700.7
Write-offs		(190.8)
Net allowance for credit losses	[1]	1,408.6
Allowance for credit losses, end of the period		4,578				1,700.7
Allowance for credit losses:
Allowance individually evaluated for impairment		0
Allowance collectively evaluated for impairment		4,578
Loans:
Loans collectively evaluated for impairment		702,235.5
Housing loans | Impact of ASC 326 Adoption
Financing Receivable, Allowance for Credit Loss [Line Items]
Impact of Adopting ASC 326		1,659.5
Other Retail
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period		37,864.3
Write-offs		(9,942.8)
Net allowance for credit losses	[1]	21,073.4
Allowance for credit losses, end of the period		49,229.2				37,864.3
Allowance for credit losses:
Allowance individually evaluated for impairment		72.1
Allowance collectively evaluated for impairment		49,157.1
Loans:
Loans individually evaluated for impairment		92.7
Loans collectively evaluated for impairment		1,306,548.3
Other Retail | Impact of ASC 326 Adoption
Financing Receivable, Allowance for Credit Loss [Line Items]
Impact of Adopting ASC 326		234.3
Wholesale loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period		39,628.4
Write-offs		(3,628.7)
Net allowance for credit losses	[1]	8,725.4
Allowance for credit losses, end of the period		71,599.3				39,628.4
Allowance for credit losses:
Allowance individually evaluated for impairment		33,222.5
Allowance collectively evaluated for impairment		38,376.8
Loans:
Loans individually evaluated for impairment		42,786.8
Loans collectively evaluated for impairment		4,172,098.5
Wholesale loans | Impact of ASC 326 Adoption
Financing Receivable, Allowance for Credit Loss [Line Items]
Impact of Adopting ASC 326		26,874.2
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		7,814.5				6,169		3,682.2
Write-offs						(11,524.3)		(9,155.3)
Net allowance for credit losses						13,169.8	[2]	11,642.1	[3]
Allowance for credit losses, end of the period						7,814.5		6,169
Allowance for credit losses:
Allowance individually evaluated for impairment						0		0
Allowance collectively evaluated for impairment						7,814.5		6,169
Loans:
Loans individually evaluated for impairment						0		0
Loans collectively evaluated for impairment						15,279.2		13,606.7
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		8,535.1				9,694		6,182.6
Write-offs						(41,646.3)		(25,197)
Net allowance for credit losses						40,487.4	[2]	28,708.4	[3]
Allowance for credit losses, end of the period						8,535.1		9,694
Allowance for credit losses:
Allowance individually evaluated for impairment								0
Allowance collectively evaluated for impairment						8,535.1		9,694
Loans:
Loans individually evaluated for impairment						0		0
Loans collectively evaluated for impairment						14,481.7		15,781.5
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		21,687.4				21,595.3		18,709.4
Write-offs						(9,379)		(6,665.5)
Net allowance for credit losses						9,471.1	[2]	9,551.4	[3]
Allowance for credit losses, end of the period						21,687.4		21,595.3
Allowance for credit losses:
Allowance individually evaluated for impairment						0		0
Allowance collectively evaluated for impairment						21,687.4		21,595.3
Loans:
Loans individually evaluated for impairment						0		0
Loans collectively evaluated for impairment						32,866.3		29,945
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		11,607.3				6,544.8		4,806.1
Write-offs						(10,838.5)		(4,812.8)
Net allowance for credit losses						15,901	[2]	6,551.5	[3]
Allowance for credit losses, end of the period						11,607.3		6,544.8
Allowance for credit losses:
Allowance individually evaluated for impairment						0		0
Allowance collectively evaluated for impairment						11,607.3		6,544.8
Loans:
Loans individually evaluated for impairment						0		0
Loans collectively evaluated for impairment						22,992.2		11,254.9
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		1,414.7				1,105.2		974.4
Write-offs						(130.3)		(93.3)
Net allowance for credit losses						439.8	[2]	224.1	[3]
Allowance for credit losses, end of the period						1,414.7		1,105.2
Allowance for credit losses:
Allowance individually evaluated for impairment						0		0
Allowance collectively evaluated for impairment						1,414.7		1,105.2
Loans:
Loans individually evaluated for impairment						0		0
Loans collectively evaluated for impairment						2,921.3		2,157.1
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		24,116.5				20,441.5		12,922.8
Write-offs						(12,833.1)		(5,652)
Net allowance for credit losses						16,508.1	[2]	13,170.7	[3]
Allowance for credit losses, end of the period						24,116.5		20,441.5
Allowance for credit losses:
Allowance individually evaluated for impairment						0		0
Allowance collectively evaluated for impairment						24,116.5		20,441.5
Loans:
Loans individually evaluated for impairment						0		0
Loans collectively evaluated for impairment						33,462.8		29,523.6
Specific allowance for credit losses | Wholesale loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period		26,426.4				20,233.2		15,323
Write-offs						(6,328.1)		(1,755.7)
Net allowance for credit losses						12,521.3	[2]	6,665.9	[3]
Allowance for credit losses, end of the period						26,426.4		20,233.2
Allowance for credit losses:
Allowance individually evaluated for impairment						26,426.4		20,233.2
Allowance collectively evaluated for impairment						0		0
Loans:
Loans individually evaluated for impairment						35,423.4		38,153.7
Loans collectively evaluated for impairment						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		84,029.4				52,941.1		42,147.4
Write-offs						0		0
Net allowance for credit losses						31,088.3	[2]	10,793.7	[3]
Allowance for credit losses, end of the period						84,029.4		52,941.1
Allowance for credit losses:
Allowance individually evaluated for impairment								0
Allowance collectively evaluated for impairment						84,029.4		52,941.1
Loans:
Loans individually evaluated for impairment								0
Loans collectively evaluated for impairment						6,918,796.9		6,135,634.8
Unallocated allowance for credit losses | Wholesale loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period		₨ 13,201.9				9,507.9		7,759.3
Write-offs						0		0
Net allowance for credit losses						3,694	[2]	1,748.6	[3]
Allowance for credit losses, end of the period						13,201.9		9,507.9
Allowance for credit losses:
Allowance individually evaluated for impairment								0
Allowance collectively evaluated for impairment						13,201.9		9,507.9
Loans:
Loans individually evaluated for impairment						0		0
Loans collectively evaluated for impairment						₨ 3,547,631.8		₨ 2,835,407.3
[1]	Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 28,919.8 million (US$ 395.4 million). Recoveries from retail loans is Rs. 28,605.8 million and from wholesale loans is Rs. 314.0 million.
[2]	Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 25,658.9 million. Recoveries from retail loans is Rs. 22,548.7 million and from wholesale loans is Rs. 3,110.2 million.
[3]	Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 16,777.1 million . Recoveries from retail loans is Rs. 16,590.9 million and from wholesale loans is Rs. 186.2 million.

Allowance for Credit Losses (Pa

Allowance for Credit Losses (Parenthetical) (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)	Mar. 31, 2019INR (₨)
Financing Receivable, Allowance for Credit Loss [Line Items]
Cash recoveries, recoveries against write off cases	₨ 28,919.8	$ 395.4	₨ 25,658.9	₨ 16,777.1
Retail Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Recoveries of loans	28,605.8		22,548.7	16,590.9
Wholesale loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Recoveries of loans	₨ 314		₨ 3,110.2	₨ 186.2

Troubled Debt Restructurings Mo

Troubled Debt Restructurings Modifications (Detail) - INR (₨) ₨ in Millions		12 Months Ended
		Mar. 31, 2020	Mar. 31, 2021
Retail Loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
TDR modifications carrying value			₨ 0
Retail Loans | Retail Business Banking
Financing Receivable, Troubled Debt Restructuring [Line Items]
TDR modifications carrying value	[1]	₨ 964.1
Balance of Principal Forgiven	[1]	0
Net P&L impact	[1],[2]	43.1
Commercial vehicle and construction equipment finance
Financing Receivable, Troubled Debt Restructuring [Line Items]
TDR modifications carrying value		0
Balance of Principal Forgiven		0
Net P&L impact	[2]	0
Wholesale loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
TDR modifications carrying value		0
Balance of Principal Forgiven		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	[3]	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	[3]	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	[3]	0
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	[1],[4]	964.1
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	[4]	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	[4]	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
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
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
[1]	TDR modification during the year ended March 31, 2020 comprised of 13 cases.
[2]	Balances reflect charge-offs and/or allowance for credit losses and/or income not recognized/deferred.
[3]	TDRs involving changes in the amount of principal payment may include principal forgiveness or deferral of periodic and/or final principal payments.
[4]	TDRs involving changes in the amount of interest payments may involve a reduction in interest rate.

Interest on Loans by Facility (

Interest on Loans by Facility (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)	Mar. 31, 2019INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Interest on loans	₨ 1,017,047.8	$ 13,905.5	₨ 981,794.8	₨ 827,683
Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Interest on loans	263,190.7	3,598.5	245,504.7	199,928
Retail Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Interest on loans	₨ 753,857.1	$ 10,307	₨ 736,290.1	₨ 627,755

Concentrations of Credit Risk_2

Concentrations of Credit Risk (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)	Mar. 31, 2021USD ($)
Concentration Risk [Line Items]
Gross loans	₨ 12,043,717.9		₨ 10,623,855.6	$ 164,666.7
Fair Value Of Credit Substitutes	547,276.9		362,373.7	$ 7,482.6
Non-funded exposure	1,216,145.9		1,224,692.9
Total Exposure	₨ 13,807,140.7	$ 188,776.9	₨ 12,210,922.2
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	₨ 3,241,292.9		₨ 2,958,437.7
Fair Value Of Credit Substitutes	0		2,756.6
Non-funded exposure	2,578.6		446.4
Total Exposure	₨ 3,243,871.5	$ 44,351.5	₨ 2,961,640.7
Consumer Loans | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	23.50%	23.50%	24.30%
Retail Trade
Concentration Risk [Line Items]
Gross loans	₨ 540,350.3		₨ 533,155.3
Fair Value Of Credit Substitutes	0		343.7
Non-funded exposure	21,747.7		22,820.3
Total Exposure	₨ 562,098	$ 7,685.2	₨ 556,319.3
Retail Trade | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	4.10%	4.10%	4.60%
Power
Concentration Risk [Line Items]
Gross loans	₨ 630,189.4		₨ 458,628.1
Fair Value Of Credit Substitutes	76,449.1		48,997.7
Non-funded exposure	30,299.7		41,445.6
Total Exposure	₨ 736,938.2	$ 10,075.7	₨ 549,071.4
Power | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	5.30%	5.30%	4.50%
Consumer Services
Concentration Risk [Line Items]
Gross loans	₨ 424,765.4		₨ 399,046.4
Fair Value Of Credit Substitutes	2,048		2,015.1
Non-funded exposure	17,743.6		19,135.9
Total Exposure	₨ 444,557	$ 6,078.2	₨ 420,197.4
Consumer Services | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	3.20%	3.20%	3.40%
Engineering
Concentration Risk [Line Items]
Gross loans	₨ 189,952.7		₨ 240,196
Fair Value Of Credit Substitutes	6,448.4		12,255.3
Non-funded exposure	92,218.6		144,296.9
Total Exposure	₨ 288,619.7	$ 3,946.1	₨ 396,748.2
Engineering | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.10%	2.10%	3.20%
NBFC
Concentration Risk [Line Items]
Gross loans	₨ 415,787.6		₨ 317,450
Fair Value Of Credit Substitutes	83,596.5		76,860.2
Non-funded exposure	2,789.6		1,659.1
Total Exposure	₨ 502,173.7	$ 6,865.9	₨ 395,969.3
NBFC | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	3.60%	3.60%	3.20%
Road Transportation
Concentration Risk [Line Items]
Gross loans	₨ 368,388.5		₨ 376,334.2
Fair Value Of Credit Substitutes	0		495.3
Non-funded exposure	8,572.3		10,849.7
Total Exposure	₨ 376,960.8	$ 5,154	₨ 387,679.2
Road Transportation | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.70%	2.70%	3.20%
Automobile and Auto Ancillary
Concentration Risk [Line Items]
Gross loans	₨ 381,562.7		₨ 330,632.5
Fair Value Of Credit Substitutes	18,556.9		18,397.9
Non-funded exposure	35,757		33,037
Total Exposure	₨ 435,876.6	$ 5,959.5	₨ 382,067.4
Automobile and Auto Ancillary | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	3.20%	3.20%	3.10%
Real Estate and Property Services
Concentration Risk [Line Items]
Gross loans	₨ 298,277.1		₨ 280,870.4
Fair Value Of Credit Substitutes	4,872.2		4,309.5
Non-funded exposure	35,737.9		36,335.2
Total Exposure	₨ 338,887.2	$ 4,633.4	₨ 321,515.1
Real Estate and Property Services | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.50%	2.50%	2.60%
Agri Production - Food
Concentration Risk [Line Items]
Gross loans	₨ 337,904.8		₨ 313,143.6
Fair Value Of Credit Substitutes	0		0
Non-funded exposure	998.1		833.3
Total Exposure	₨ 338,902.9	$ 4,633.6	₨ 313,976.9
Agri Production - Food | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.50%	2.50%	2.60%
Coal & Petroleum Products
Concentration Risk [Line Items]
Gross loans	₨ 172,989.4		₨ 136,531.9
Fair Value Of Credit Substitutes	190,457.8		33,834.9
Non-funded exposure	59,803.5		115,440.2
Total Exposure	₨ 423,250.7	$ 5,786.9	₨ 285,807
Coal & Petroleum Products | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	3.10%	3.10%	2.30%
Food And Beverage
Concentration Risk [Line Items]
Gross loans	₨ 342,573.5		₨ 260,907.9
Fair Value Of Credit Substitutes	240.4		1,391.3
Non-funded exposure	29,321.5		21,853.6
Total Exposure	₨ 372,135.4	$ 5,088	₨ 284,152.8
Food And Beverage | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.70%	2.70%	2.30%
Financial Institutions
Concentration Risk [Line Items]
Gross loans	₨ 443,257.3		₨ 219,417.5
Fair Value Of Credit Substitutes	21,147.1		59,118.8
Non-funded exposure	3.7		2,058.7
Total Exposure	₨ 464,408.1	$ 6,349.6	₨ 280,595
Financial Institutions | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	3.40%	3.40%	2.30%
Iron and Steel
Concentration Risk [Line Items]
Gross loans	₨ 248,140.2		₨ 231,524.9
Fair Value Of Credit Substitutes	13,116.6		1,144.7
Non-funded exposure	53,192.5		45,235.4
Total Exposure	₨ 314,449.3	$ 4,299.3	₨ 277,905
Iron and Steel | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.30%	2.30%	2.30%
Telecom
Concentration Risk [Line Items]
Gross loans			₨ 232,932
Fair Value Of Credit Substitutes			10,412.6
Non-funded exposure			29,949.6
Total Exposure			₨ 273,294.2
Telecom | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%			2.20%
Infrastructure Development
Concentration Risk [Line Items]
Gross loans	₨ 167,416.1		₨ 165,578.8
Fair Value Of Credit Substitutes	15,879.7		2,457.1
Non-funded exposure	190,154.9		104,731.8
Total Exposure	₨ 373,450.7	$ 5,106	₨ 272,767.7
Infrastructure Development | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.70%	2.70%	2.20%
Business Services
Concentration Risk [Line Items]
Gross loans			₨ 244,028.7
Fair Value Of Credit Substitutes			2,278.5
Non-funded exposure			15,953.3
Total Exposure			₨ 262,260.5
Business Services | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%			2.10%
Wholesale Trade - Non Industrial
Concentration Risk [Line Items]
Gross loans	₨ 301,508.2		₨ 238,436.5
Fair Value Of Credit Substitutes	2,065.6		0
Non-funded exposure	17,816.8		18,766.1
Total Exposure	₨ 321,390.6	$ 4,394.2	₨ 257,202.6
Wholesale Trade - Non Industrial | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.30%	2.30%	2.10%
Wholesale Trade - Industrial
Concentration Risk [Line Items]
Gross loans	₨ 258,854.1		₨ 211,849.6
Fair Value Of Credit Substitutes	0		34.2
Non-funded exposure	51,891.6		34,840.2
Total Exposure	₨ 310,745.7	$ 4,248.6	₨ 246,724
Wholesale Trade - Industrial | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.30%	2.30%	2.00%
Others (none greater than 2%)
Concentration Risk [Line Items]
Gross loans	₨ 3,022,929.8		₨ 2,474,753.6
Fair Value Of Credit Substitutes	105,516.4		85,270.3
Non-funded exposure	538,019.5		525,004.6
Total Exposure	₨ 3,666,465.7	$ 50,129.4	₨ 3,085,028.5
Others (none greater than 2%) | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	26.40%	26.40%	25.50%
Textiles and Garments
Concentration Risk [Line Items]
Gross loans	₨ 257,577.9
Fair Value Of Credit Substitutes	6,882.2
Non-funded exposure	27,498.8
Total Exposure	₨ 291,958.9	$ 3,991.8
Textiles and Garments | Lender Concentration Risk | Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.10%	2.10%

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, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Concentration Risk [Line Items]
Total Exposure	₨ 13,807,140.7	$ 188,776.9	₨ 12,210,922.2
Borrower 1
Concentration Risk [Line Items]
Total Exposure	303,418.5	4,148.5	244,582.8
Borrower 1 | Funded Exposure
Concentration Risk [Line Items]
Total Exposure	302,918.5		243,382.8
Borrower 1 | Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	500		1,200
Borrower 2
Concentration Risk [Line Items]
Total Exposure	253,526.4	3,466.3	180,405.1
Borrower 2 | Funded Exposure
Concentration Risk [Line Items]
Total Exposure	192,080.2		180,100
Borrower 2 | Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	61,446.2		305.1
Borrower 3
Concentration Risk [Line Items]
Total Exposure	195,480	2,672.7	164,349.6
Borrower 3 | Funded Exposure
Concentration Risk [Line Items]
Total Exposure	195,480		163,738.7
Borrower 3 | Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	0		610.9
Borrower 4
Concentration Risk [Line Items]
Total Exposure	155,545.9	2,126.7	149,853.6
Borrower 4 | Funded Exposure
Concentration Risk [Line Items]
Total Exposure	154,997.8		74,421.4
Borrower 4 | Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	548.1		75,432.2
Borrower 5
Concentration Risk [Line Items]
Total Exposure	150,489.2	2,057.5	135,455
Borrower 5 | Funded Exposure
Concentration Risk [Line Items]
Total Exposure	150,000		135,455
Borrower 5 | Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	489.2		0
Borrower 6
Concentration Risk [Line Items]
Total Exposure	148,107.3	2,025	87,586
Borrower 6 | Funded Exposure
Concentration Risk [Line Items]
Total Exposure	148,107.3		31,934.6
Borrower 6 | Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	0		55,651.4
Borrower 7
Concentration Risk [Line Items]
Total Exposure	104,308.5	1,426.1	78,583.2
Borrower 7 | Funded Exposure
Concentration Risk [Line Items]
Total Exposure	3,830.9		63,228
Borrower 7 | Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	100,477.6		15,355.2
Borrower 8
Concentration Risk [Line Items]
Total Exposure	100,919.7	1,379.8	75,257.5
Borrower 8 | Funded Exposure
Concentration Risk [Line Items]
Total Exposure	98,919.7		75,035.9
Borrower 8 | Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	2,000		221.6
Borrower 9
Concentration Risk [Line Items]
Total Exposure	97,706.2	1,335.9	75,210.5
Borrower 9 | Funded Exposure
Concentration Risk [Line Items]
Total Exposure	75,437.8		75,027.7
Borrower 9 | Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	22,268.4		182.8
Borrower 10
Concentration Risk [Line Items]
Total Exposure	90,108	$ 1,232	73,489.4
Borrower 10 | Funded Exposure
Concentration Risk [Line Items]
Total Exposure	90,108		51,361.3
Borrower 10 | Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	₨ 0		₨ 22,128.1

Property and Equipment - Additi

Property and Equipment - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)	Mar. 31, 2019INR (₨)
Property, Plant and Equipment [Line Items]
Depreciation and amortization	₨ 13,860.2	$ 189.5	₨ 12,800.3	₨ 12,247.8

Property and Equipment by Asset

Property and Equipment by Asset Category (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Property, Plant and Equipment [Line Items]
Land and premises	₨ 21,205.2	$ 289.9	₨ 19,567.6
Software and systems	37,134.2	507.7	33,433.9
Equipment and furniture	92,610.9	1,266.2	82,179.1
Property and equipment, at cost	150,950.3	2,063.8	135,180.6
Less: Accumulated depreciation	97,855.9	1,337.9	86,852.9
Property and equipment, net	₨ 53,094.4	$ 725.9	₨ 48,327.7

Goodwill and Other Intangible_2

Goodwill and Other Intangible Assets - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)	Mar. 31, 2019INR (₨)	Mar. 31, 2021USD ($)
Goodwill and Intangible Assets Disclosure [Line Items]
Goodwill	₨ 74,937.9		₨ 74,937.9		$ 1,024.6
Net carrying amount	0		0
Amortization of intangible assets	₨ 0	$ 0	₨ 0	₨ 1

Other Assets (Detail)

Other Assets (Detail) ₨ in Millions, $ in Millions		Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Other Assets Disclosure [Line Items]
Security deposits for leased property		₨ 5,483.3	$ 75	₨ 5,410.3
Sundry accounts receivable		46,755.4	639.3	55,379.5
Advance income tax (net of current tax expense)		33,915.5	463.7	25,140.7
Advances		7,790.4	106.5	7,639.3
Prepaid expenses		1,963.8	26.8	1,374.6
Deposits/Margins paid		12,125.1	165.8	15,226.9
Derivatives (refer to note 23)		84,406.7	1,154	190,537.6
Term placements		105,204.8	1,438.4	109,372.8
Receivable on account of trade date		4,928.5	67.4	221,960.9
Right-of-use assets		64,548.8	882.5	60,756.9
Others	[1]	89,850.5	1,228.5	44,552.6
Total		₨ 456,972.8	$ 6,247.9	₨ 737,352.1
[1]	Others include equity securities with carrying value amounting to Rs. 11,611.2 million and Rs. 20, 600.1 million as at March 31, 2020 and March 31, 2021, respectively. Equity securities include non-marketable equity securities carried at cost Rs. 696.9 million and Rs. 999.2 million as at March 31, 2020 and March 31, 2021, respectively. Unrealized gain \ (loss) recognized in non-interest revenue–other, net Rs. (131.1) million and Rs. 7,618.1 million for the fiscal year ended March 31, 2020 and March 31, 2021, respectively.

Other Assets (Parenthetical) (D

Other Assets (Parenthetical) (Detail) ₨ in Millions, $ in Millions		12 Months Ended
		Mar. 31, 2021INR (₨)	Mar. 31, 2020INR (₨)	Mar. 31, 2021USD ($)
Other Assets Disclosure [Line Items]
Other assets	[1]	₨ 89,850.5	₨ 44,552.6	$ 1,228.5
Unrealized gain \ (loss) recognized in non-interest revenue–other, net		7,618.1	131.1
Equity securities
Other Assets Disclosure [Line Items]
Other assets		20,600.1	11,611.2
Equity securities | Non Marketable Equity Securities [Member]
Other Assets Disclosure [Line Items]
Other assets		₨ 999.2	₨ 696.9
[1]	Others include equity securities with carrying value amounting to Rs. 11,611.2 million and Rs. 20, 600.1 million as at March 31, 2020 and March 31, 2021, respectively. Equity securities include non-marketable equity securities carried at cost Rs. 696.9 million and Rs. 999.2 million as at March 31, 2020 and March 31, 2021, respectively. Unrealized gain \ (loss) recognized in non-interest revenue–other, net Rs. (131.1) million and Rs. 7,618.1 million for the fiscal year ended March 31, 2020 and March 31, 2021, respectively.

Deposits - Additional Informati

Deposits - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Deposits From Banking Clients [Line Items]
Time deposits with residual maturity of one year or less	₨ 5,901,654.6	$ 80,689.8	₨ 5,233,225
Time deposits	₨ 7,191,543	$ 98,325.8	6,626,711.8
Minimum [Member]
Deposits From Banking Clients [Line Items]
Maturity of deposits	1 year
Maximum [Member]
Deposits From Banking Clients [Line Items]
Maturity of deposits	10 years
Deposit in excess of Rs. 100000
Deposits From Banking Clients [Line Items]
Time deposits	₨ 6,969,220.2		₨ 6,397,698.1

Deposits (Detail)

Deposits (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Interest-bearing:
Savings deposits	₨ 4,034,924.8	$ 55,167.1	₨ 3,103,769.5
Time deposits	7,191,543	98,325.8	6,626,711.8
Total interest-bearing deposits	11,226,467.8	153,492.9	9,730,481.3
Non-interest-bearing deposits	2,110,762.4	28,859.2	1,731,590
Total	₨ 13,337,230.2	$ 182,352.1	₨ 11,462,071.3

Deposits - Scheduled Maturities

Deposits - Scheduled Maturities for Total Time Deposits (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Due to mature in the fiscal year ending March 31:
2022	₨ 5,901,654.6	$ 80,689.8	₨ 5,233,225
2023	739,927.7	10,116.6
2024	227,574	3,111.5
2025	62,326.9	852.2
2026	205,134.6	2,804.7
Thereafter	54,925.2	751
Total	₨ 7,191,543	$ 98,325.8	₨ 6,626,711.8

Short-Term Borrowings (Detail)

Short-Term Borrowings (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)	Mar. 31, 2021USD ($)
Short-term Debt [Line Items]
Short-term borrowings	₨ 239,264.1		₨ 377,417.6	$ 3,271.3
Weighted average interest rate	1.40%		3.20%	1.40%
Maximum amount outstanding	₨ 384,035.9	$ 5,250.7	₨ 971,364
Average amount outstanding	223,582.3	$ 3,056.9	493,786.9
Borrowed in the call market
Short-term Debt [Line Items]
Short-term borrowings	8,860.5		11,339.8	$ 121.1
Term borrowings from institutions/banks
Short-term Debt [Line Items]
Short-term borrowings	27,411.6		73,737.9	374.8
Foreign currency borrowings
Short-term Debt [Line Items]
Short-term borrowings	₨ 202,992		₨ 292,339.9	$ 2,775.4

Long-Term Debt - Additional Inf

Long-Term Debt - Additional Information (Detail) ₨ in Millions, $ in Millions		12 Months Ended
		Mar. 31, 2021INR (₨)	Mar. 31, 2020INR (₨)	Mar. 31, 2021USD ($)
Debt Instrument [Line Items]
Subordinated debt, debt raised during the year		₨ 3,565	₨ 5,435
Other long term debt, debt raised during the year		478,424.2	264,669.7
Perpetual debt, debt raised during the year		0	2,000
Other long-term debt	[1]	964,014.9	808,222	$ 13,180.4
Foreign currency borrowings
Debt Instrument [Line Items]
Other long-term debt		51,188.9	59,392.3
Functional currency borrowings
Debt Instrument [Line Items]
Other long-term debt		₨ 912,826	₨ 748,829.7
[1]	Includes securities sold under repurchase agreements amounting to Rs. 17,260.0 million with stated interest rate of 5.15% per annum and Rs. 90,200.0 (USD 1,233.3 million) with stated interest rate of 4.0% per annum for the year ended March 31, 2020 and March 31, 2021, respectively, under RBI long-term repo operation with a three- year maturity period.

Long-Term Debt (Detail)

Long-Term Debt (Detail) ₨ in Millions, $ in Millions		Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Debt Instrument [Line Items]
Subordinated debt		₨ 211,270	$ 2,888.6	₨ 218,755
Others	[1]	964,014.9	13,180.4	808,222
Less: Debt issuance cost		(526.7)	(7.2)	(458.7)
Total		₨ 1,174,758.2	$ 16,061.8	₨ 1,026,518.3
[1]	Includes securities sold under repurchase agreements amounting to Rs. 17,260.0 million with stated interest rate of 5.15% per annum and Rs. 90,200.0 (USD 1,233.3 million) with stated interest rate of 4.0% per annum for the year ended March 31, 2020 and March 31, 2021, respectively, under RBI long-term repo operation with a three- year maturity period.

Long-Term Debt (Parenthetical)

Long-Term Debt (Parenthetical) (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Debt Instrument [Line Items]
Long-term debt	₨ 1,174,758.2	$ 16,061.8	₨ 1,026,518.3
Securities sold under repurchase agreement
Debt Instrument [Line Items]
Long-term debt	₨ 90,200	$ 1,233.3	₨ 17,260
Interest rate	4.00%	4.00%	5.15%

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, 2021INR (₨)	Mar. 31, 2020INR (₨)	Mar. 31, 2021USD ($)
Debt Instrument [Line Items]
Total		₨ 1,174,758.2	₨ 1,026,518.3	$ 16,061.8
Perpetual debt
Debt Instrument [Line Items]
Total		₨ 84,976.1
Subordinated debt | Subordinated Debt Other Than Perpetual Debt
Debt Instrument [Line Items]
Maturity /Call dates, start		2022	2021
Maturity /Call dates, end		2031	2030
Total		₨ 126,240	₨ 133,730.8	1,726
Subordinated debt | Perpetual debt
Debt Instrument [Line Items]
Maturity /Call dates, start		2023	2023
Maturity /Call dates, end		2030	2030
Total		₨ 84,976.1	₨ 84,972.7	$ 1,161.8
Subordinated debt | Minimum | Subordinated Debt Other Than Perpetual Debt
Debt Instrument [Line Items]
Stated interest rates		7.35%	7.56%	7.35%
Subordinated debt | Minimum | Perpetual debt
Debt Instrument [Line Items]
Stated interest rates		8.84%	8.84%	8.84%
Subordinated debt | Maximum | Subordinated Debt Other Than Perpetual Debt
Debt Instrument [Line Items]
Stated interest rates		10.20%	10.20%	10.20%
Subordinated debt | Maximum | Perpetual debt
Debt Instrument [Line Items]
Stated interest rates		9.70%	9.70%	9.70%
Others | Variable rate-(1)
Debt Instrument [Line Items]
Maturity /Call dates, start	[1]	2022	2021
Maturity /Call dates, end	[1]	2024	2023
Total	[1]	₨ 50,935.8	₨ 59,018.7	$ 696.4
Others | Variable rate-(2)
Debt Instrument [Line Items]
Maturity /Call dates, start	[1]	2022	2021
Maturity /Call dates, end	[1]	2025	2024
Total	[1]	₨ 97,418	₨ 118,083.8	1,331.9
Others | Fixed rate-(1)
Debt Instrument [Line Items]
Maturity /Call dates, start	[1]	2022	2021
Maturity /Call dates, end	[1]	2032	2030
Total	[1]	₨ 815,188.3	₨ 630,712.3	$ 11,145.7
Others | Minimum | Variable rate-(1)
Debt Instrument [Line Items]
Stated interest rates	[1]	0.11%	0.80%	0.11%
Others | Minimum | Variable rate-(2)
Debt Instrument [Line Items]
Stated interest rates	[1]	5.90%	7.50%	5.90%
Others | Minimum | Fixed rate-(1)
Debt Instrument [Line Items]
Stated interest rates	[1]	2.80%	4.15%	2.80%
Others | Maximum | Variable rate-(1)
Debt Instrument [Line Items]
Stated interest rates	[1]	1.33%	2.87%	1.33%
Others | Maximum | Variable rate-(2)
Debt Instrument [Line Items]
Stated interest rates	[1]	7.75%	8.95%	7.75%
Others | Maximum | Fixed rate-(1)
Debt Instrument [Line Items]
Stated interest rates	[1]	9.56%	9.56%	9.56%
[1]	Variable rate (1) represent foreign currency debt. Variable rate debt is typically indexed to LIBOR, T-bill rates, Marginal cost of funds based lending rates (MCLR), among others.

Scheduled Maturities of Long-Te

Scheduled Maturities of Long-Term Debt (Detail) - Mar. 31, 2021 ₨ in Millions, $ in Millions		INR (₨)	USD ($)
Due in the twelve months ending March 31:
2022		₨ 98,617.5	$ 1,348.3
2023		336,114.4	4,595.5
2024		210,475.8	2,877.7
2025		133,798.1	1,829.3
2026		29,748.7	406.7
Thereafter		281,027.6	3,842.3
Total	[1]	₨ 1,089,782.1	$ 14,899.8
[1]	The  scheduled maturities of long-term debt do not include perpetual bonds of Rs. 84,976.1 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, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Debt Instrument [Line Items]
Long-term debt	₨ 1,174,758.2	$ 16,061.8	₨ 1,026,518.3
Perpetual debt
Debt Instrument [Line Items]
Long-term debt	₨ 84,976.1

Accrued Expenses and Other Li_3

Accrued Expenses and Other Liabilities - Additional Information (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Credit card
Other Liabilities [Line Items]
Unamortized annual fees	₨ 1,097.4	$ 15	₨ 786.8

Accrued Expenses and Other Li_4

Accrued Expenses and Other Liabilities (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Other Liabilities [Line Items]
Bills payable	₨ 124,241.9	$ 1,698.7	₨ 75,837.2
Remittances in transit	54,657.2	747.3	35,507.3
Accrued expenses	69,103.2	944.8	54,898.3
Accounts payable	143,827	1,966.5	103,386.2
Derivatives (refer to note 23)	81,880	1,119.5	184,783
Lease liabilities	₨ 70,422	$ 962.8	₨ 65,615.1
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Lease liabilities	Lease liabilities	Lease liabilities
Others	₨ 86,965.1	$ 1,189	₨ 91,300.1
Total	₨ 631,096.4	$ 8,628.6	₨ 611,327.2

Changes in Accumulated Other Co

Changes in Accumulated Other Comprehensive Income After Tax (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	₨ 1,896,493.8		₨ 1,635,624.6
Net unrealized gain/(loss) arising during the period	(1,873.4)		49,345.9
Amounts reclassified to income	(23,271.9)		(8,823.1)
Balance	2,163,404.8	$ 29,578.9	1,896,493.8
Available for Sale Securities
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	49,225.4		10,474.3
Net unrealized gain/(loss) arising during the period	(740.6)		47,574.2
Amounts reclassified to income	(23,271.9)		(8,823.1)
Balance	25,212.9	344.7	49,225.4
Foreign Currency Translation Reserve
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	3,106.2		1,334.5
Net unrealized gain/(loss) arising during the period	(1,132.8)		1,771.7
Amounts reclassified to income	0		0
Balance	1,973.4	27	3,106.2
Accumulated Other Comprehensive Income (Loss)
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	52,331.6	52,331.6	11,808.8
Balance	₨ 27,186.3	$ 371.7	₨ 52,331.6

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, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)		Mar. 31, 2019INR (₨)	[1]
Available for sale debt securities:
Allowance on available for sale debt securities	₨ (2,915.1)	$ (39.9)	₨ (9,109)	[1]	₨ (1,081)
Net of income tax	(23,271.9)		(8,823.1)
Available for Sale Securities
Available for sale debt securities:
Net of income tax	(23,271.9)		(8,823.1)
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	(34,014.8)	(465.1)	(22,671.3)
Allowance on available for sale debt securities	2,915.1	39.9	9,109
Total before income tax	(31,099.7)	(425.2)	(13,562.3)
Income tax	7,827.8	107	4,739.2
Net of income tax	₨ (23,271.9)	$ (318.2)	₨ (8,823.1)
[1]	For fiscal 2019 and 2020 the amount represents Other than temporary impairment. The Bank adopted the CECL accounting guidance on April 1, 2020.

Non-Interest Revenue - Summary

Non-Interest Revenue - Summary of Disaggregation of Revenue (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)	Mar. 31, 2019INR (₨)
Disaggregation of Revenue [Line Items]
Fees and commissions	₨ 165,410.4	$ 2,261.6	₨ 160,099.5	₨ 134,155.2
Deposit Related Fees
Disaggregation of Revenue [Line Items]
Fees and commissions	28,150.4	384.9	29,031.9	25,383
Lending related fees
Disaggregation of Revenue [Line Items]
Fees and commissions	30,973.1	423.5	30,699.9	30,176.2
Third-party products related fees
Disaggregation of Revenue [Line Items]
Fees and commissions	35,733	488.6	28,169.6	22,000.4
Payments and cards business fees
Disaggregation of Revenue [Line Items]
Fees and commissions	50,758.2	694	58,899.3	47,012.4
Other
Disaggregation of Revenue [Line Items]
Fees and commissions	₨ 19,795.7	$ 270.6	₨ 13,298.8	₨ 9,583.2

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, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)	Mar. 31, 2019INR (₨)
Disaggregation of Revenue [Line Items]
Fees and commissions	₨ 165,410.4	$ 2,261.6	₨ 160,099.5	₨ 134,155.2
Retail Banking
Disaggregation of Revenue [Line Items]
Fees and commissions	153,018.2	2,092.1	146,855.7	123,070.6
Wholesale Banking
Disaggregation of Revenue [Line Items]
Fees and commissions	11,712.7	160.1	13,041.6	10,839.6
Treasury Services
Disaggregation of Revenue [Line Items]
Fees and commissions	₨ 679.5	$ 9.4	₨ 202.2	₨ 245

Income Taxes - Additional Infor

Income Taxes - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Income Taxes [Line Items]
Total unrecognized tax benefit	₨ 43,048	$ 588.6	₨ 37,103.2	$ 507.3	₨ 14,448.1
The total unrecognized tax benefits, if recognized, that would reduce the tax and thereby affect the effective tax rate	₨ 43,048		₨ 37,103.2
Income tax rate including surcharge and education cess	25.17%	25.17%
Income tax expense (benefit) recorded in retained earnings	₨ (21,016)
Other comprehensive income	₨ (8,457.8)

Income Tax Expense (Detail)

Income Tax Expense (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)	Mar. 31, 2019INR (₨)
Components of Income Tax Expense Benefit Abstract
Current tax expense	₨ 122,087.4	$ 1,669.1	₨ 105,587.8	₨ 128,050.2
Deferred tax (benefit) expense	(8,267.3)	(112.9)	(101.2)	(8,129.4)
Interest on income tax refund	0	0	(6.6)	(527.3)
Income tax expense	₨ 113,820.1	$ 1,556.2	₨ 105,480	₨ 119,393.5

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, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)	Mar. 31, 2019INR (₨)
Reconciliation of Estimated Income Taxes to Income Tax Expense as Reported [Line Items]
Income before income tax expense	₨ 439,826.5	$ 6,013.6	₨ 365,844	₨ 339,959
Statutory income tax rate	25.17%	25.17%	25.17%	34.94%
Expected income tax expense	₨ 110,695.5	$ 1,513.5	₨ 92,075.6	₨ 118,795.3
Adjustments to reconcile expected income tax to actual tax expense
Interest on income tax refund	0	0	(4.9)	(343)
Stock based compensation	2,668.7	36.5	1,881.6	1,867.2
Income exempt from taxes	(62.3)	(0.9)	(744.2)	(1,422.8)
Effect of change in statutory income tax rate	0	0	11,213.2	0
Others, net	518.2	7.1	1,058.7	496.8
Income tax expense	₨ 113,820.1	$ 1,556.2	₨ 105,480	₨ 119,393.5

Tax Effects of Significant Temp

Tax Effects of Significant Temporary Differences (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Deductible temporary differences:
Allowance for loan losses	₨ 67,584.1	$ 924	₨ 37,561.2
Lease liabilities	17,723.8	242.3	16,514
Employee benefits	752.3	10.3	1,415
Accrued expenses and other liabilities	4,997.1	68.3	3,381.2
Others	1,904.4	26.1	1,769.4
Deferred tax asset	92,961.7	1,271	60,640.8
Taxable temporary differences:
Right-of-use assets	17,723.8	242.3	16,514
Investments available for sale debt securities	8,567.9	117.1	16,644.6
Loan origination cost and fees	3,456	47.3	3,373.3
Investments, others	2,874.2	39.3	1,510.2
Deferred tax liability	32,621.9	446	38,042.1
Net deferred tax asset (liability)	₨ 60,339.8	$ 825	₨ 22,598.7

Reconciliation of Beginning and

Reconciliation of Beginning and Ending Balance of Unrecognized Tax Benefits (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Income Tax Contingency [Line Items]
Opening balance	₨ 37,103.2	$ 507.3	₨ 14,448.1
Decrease related to prior year tax positions	(221.5)	(3)	0
Increase related to prior year tax positions	892.8	12.2	16,274.4
Increase related to current year tax positions	5,273.5	72.1	6,380.7
Closing balance	₨ 43,048	$ 588.6	₨ 37,103.2

Stock-Based Compensation - Addi

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

Oct. 20, 2021shares

Mar. 21, 2020shares

Oct. 19, 2019shares

Aug. 03, 2019shares

Mar. 31, 2021INR (₨)₨ / sharesshares

Mar. 31, 2021USD ($)

Mar. 31, 2020INR (₨)₨ / sharesshares

Mar. 31, 2019INR (₨)

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

Sep. 20, 2019₨ / sharesshares

Sep. 19, 2019₨ / shares

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

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

₨ 0

₨ 0

₨ 0

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

26,446.8

13,339.6

33,117.4

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

0.5

0.5

Stock-based compensation, aggregate intrinsic value of options outstanding

72,288.5

17,418

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

0.5

0.4

Stock-based compensation, aggregate intrinsic value of options exercisable

42,485.6

16,291.8

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

₨ 10,603.5

$ 145

₨ 7,476.1

₨ 5,343.3

Stock-based compensation, unvested options, outstanding | shares

103,715,500

78,401,210

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

₨ 1,206.3

₨ 1,113.5

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

₨ 0

₨ 0.2

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

29,802.9

₨ 1,126.2

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

₨ 19,066.4

Equity shares, par value | ₨ / shares

₨ 1

₨ 1

₨ 1

₨ 2

Equity shares, issued | shares

5,512,776,482

5,483,286,460

5,470,763,894

Share-based payment arrangement, expense, tax benefit

₨ 0

Maximum

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

Equity shares, par value | ₨ / shares

₨ 2

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)

1 year 2 months 15 days

1 year 2 months 15 days

Employees Stock Option Scheme | Plan ''A''

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

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

100,000,000

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

100,000,000

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

100,000,000

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

150,000,000

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

200,000,000

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

200,000,000

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

200,000,000

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 XXXII | Plan "G"

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

Stock-based compensation, options granted | shares

578,000

Scheme XXXIII | Plan "G"

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

Stock-based compensation, options granted | shares

46,175,200

Scheme XXXIV | Plan "G"

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

Stock-based compensation, options granted | shares

1,020,400

Scheme XXXV | Plan "G"

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

Stock-based compensation, options granted | shares

57,466,600

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, 2021	Mar. 31, 2020	Mar. 31, 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Dividend yield	0.61%
Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Dividend yield		0.61%	0.62%
Expected volatility	20.13%	15.30%	14.53%
Risk-free interest rate, lower range	4.63%	5.81%	7.23%
Expected term (in years)	2 years 7 months 24 days	2 years 9 months 25 days	2 years 9 months 10 days
Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Dividend yield		0.85%	0.65%
Expected volatility	28.93%	20.13%	18.68%
Risk-free interest rate, upper range	5.75%	6.70%	8.31%
Expected term (in years)	5 years 5 months 4 days	5 years 5 months 1 day	5 years 1 month 28 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, 2021	Mar. 31, 2020	Mar. 31, 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options available to be granted, beginning of period	159,487,350	202,413,370	235,683,200
Equity shares allocated for grant under the plan	0	0	0
Options granted	(57,466,600)	(47,773,600)	(39,790,000)
Forfeited/lapsed	2,673,420	4,847,580	6,520,170
Options available to be granted, end of period	104,694,170	159,487,350	202,413,370

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, 2021	Mar. 31, 2020	Mar. 31, 2019
Options
Options outstanding, beginning of period	142,865,602	136,612,822	150,887,600
Granted	57,466,600	47,773,600	39,790,000
Exercised	(29,490,022)	(36,673,240)	(47,544,608)
Forfeited	(2,032,110)	(4,813,580)	(6,410,770)
Lapsed	(641,310)	(34,000)	(109,400)
Options outstanding, end of period	168,168,760	142,865,602	136,612,822
Options exercisable, end of period	64,453,260	64,464,392	80,609,722
Weighted Average Exercise Price
Options outstanding, beginning of period	₨ 899.03	₨ 682.99	₨ 525.11
Granted	1,235.80	1,220.13	1,030.24
Exercised	596.85	504.10	462.89
Forfeited	1,163.29	965.64	759.21
Lapsed	929.57	568.10	418.55
Options outstanding, end of period	1,063.79	899.03	682.99
Options exercisable, end of period	834.48	638.18	508.89
Weighted average fair value of options granted during the year	₨ 320.42	₨ 305.78	₨ 262.79

Stock Options Outstanding, Empl

Stock Options Outstanding, Employees Stock Option Schemes (Detail) - Employees Stock Option Scheme	12 Months Ended
	Mar. 31, 2021₨ / sharesshares	Mar. 31, 2021$ / shares₨ / sharesshares	Mar. 31, 2020₨ / sharesshares	Mar. 31, 2019₨ / sharesshares	Mar. 31, 2018₨ / sharesshares
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Number Of Shares Arising Out Of Options | shares	168,168,760	168,168,760	142,865,602	136,612,822	150,887,600
Weighted Average Exercise Price | ₨ / shares	₨ 1,063.79	₨ 1,063.79	₨ 899.03	₨ 682.99	₨ 525.11
Plan ''C''
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Range of exercise price | (per share)	₨ 417.75	₨ 5.71
Number Of Shares Arising Out Of Options | shares	9,700	9,700
Weighted Average Remaining Life	3 months 25 days	3 months 25 days
Weighted Average Exercise Price | ₨ / shares	₨ 417.75	₨ 417.75
Plan "F"
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Range of exercise price, Lower Range | (per share)	417.75	₨ 5.71
Range of exercise price, Upper Range | (per share)	₨ 731.08	₨ 10
Number Of Shares Arising Out Of Options | shares	34,974,270	34,974,270
Weighted Average Remaining Life	1 year 5 months 23 days	1 year 5 months 23 days
Weighted Average Exercise Price | ₨ / shares	₨ 610.67	₨ 610.67
Plan "G"
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Range of exercise price, Lower Range | (per share)	882.85	₨ 12.07
Range of exercise price, Upper Range | (per share)	₨ 1,235.80	₨ 16.90
Number Of Shares Arising Out Of Options | shares	133,184,790	133,184,790
Weighted Average Remaining Life	3 years 2 months 4 days	3 years 2 months 4 days
Weighted Average Exercise Price | ₨ / shares	₨ 1,182.83	₨ 1,182.83

Retirement Benefits - Additiona

Retirement Benefits - Additional Information (Detail) $ in Millions	12 Months Ended
	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)	Mar. 31, 2019INR (₨)
Defined Benefit Plan Disclosure [Line Items]
Defined benefit plan, expected contribution to the plan for the next fiscal year	₨ 1,925,600,000
Defined benefit plan, accumulated benefit obligation	5,455,600,000		₨ 5,005,900,000
Defined contribution plan, employer contribution recognized as an expense	₨ 5,429,600,000		4,901,400,000	₨ 3,312,100,000
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	₨ 1,513,700,000		1,269,900,000	₨ 1,034,100,000
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
National Pension Scheme [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined contribution plan, employer contribution recognized as an expense	₨ 46,300,000		37,900,000
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	15 years	15 years
Employer contributions	₨ 1,384,800,000	$ 18.9	1,096,700,000
Gratuity | Centurion Bank of Punjab Limited
Defined Benefit Plan Disclosure [Line Items]
Lock-in-period after which contribution made for employees stand frozen and will be converted into an annuity on separation	2 years	2 years
Gratuity | Vested accumulated benefit obligation
Defined Benefit Plan Disclosure [Line Items]
Defined benefit plan, accumulated benefit obligation	₨ 4,727,700,000		4,381,200,000
Pension
Defined Benefit Plan Disclosure [Line Items]
Defined benefit plan, expected contribution to the plan for the next fiscal year	227,200,000
Defined benefit plan, accumulated benefit obligation	364,200,000		387,000,000
Employer contributions	₨ 23,000,000	$ 0.3	8,300,000
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%	10.00%
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	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	15 years
Pension | Vested accumulated benefit obligation
Defined Benefit Plan Disclosure [Line Items]
Defined benefit plan, accumulated benefit obligation	₨ 362,900,000		₨ 241,300,000

Funded Status of Gratuity Plan

Funded Status of Gratuity Plan and Amounts Recognized in Bank's Financial Statements (Detail) - Gratuity $ in Thousands, ₨ in Millions	12 Months Ended
	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)	Mar. 31, 2019INR (₨)	Mar. 31, 2021USD ($)
Change in benefit obligations:
Projected benefit obligation ("PBO"), beginning of the period	₨ 7,883	$ 107,800	₨ 6,653.5
Service cost	1,107	15,100	965.4	₨ 820.6
Interest cost	561.6	7,700	483.3	476.7
Actuarial(gains)/ losses	759.4	10,400	368.9
Benefits paid	(491.4)	(6,700)	(588.1)
Projected benefit obligation, end of the period	9,819.6	134,300	7,883	6,653.5
Change in plan assets:
Fair value of plan assets, beginning of the period	5,779.8	79,100	5,501.8
Expected return on plan assets	448.4	6,100	389.9	347.4
Actuarial gains/(losses)	1,223	16,700	(620.5)
Actual return on plan assets	1,671.4	22,800	(230.6)
Employer contributions	1,384.8	18,900	1,096.7
Benefits paid	(491.4)	(6,700)	(588.1)
Fair value of plan assets, end of the period	8,344.6	$ 114,100	5,779.8	₨ 5,501.8
Funded Status	₨ (1,475)		₨ (2,103.2)		$ (20,200)

Net Gratuity Cost (Detail)

Net Gratuity Cost (Detail) - Gratuity ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)	Mar. 31, 2019INR (₨)
Defined Benefit Plan Disclosure [Line Items]
Service cost	₨ 1,107	$ 15.1	₨ 965.4	₨ 820.6
Interest cost	561.6	7.7	483.3	476.7
Expected return on plan assets	(448.4)	(6.1)	(389.9)	(347.4)
Actuarial (gains)/losses	(463.6)	(6.3)	989.4	(176.6)
Net gratuity cost	₨ 756.6	$ 10.4	₨ 2,048.2	₨ 773.3

Assumptions Used in Accounting

Assumptions Used in Accounting for Gratuity Plan (Detail) - Gratuity		12 Months Ended
		Mar. 31, 2021	Mar. 31, 2020	Mar. 31, 2019
Minimum
Defined Benefit Plan Disclosure [Line Items]
Discount rate - benefit obligations	[1]	4.40%	6.00%	7.20%
Discount rate - net periodic benefit cost	[1]	4.40%	6.00%	7.20%
Rate of increase in compensation levels of covered employees		5.00%	7.00%	5.00%
Rate of return on plan assets		4.40%	6.00%	7.00%
Maximum
Defined Benefit Plan Disclosure [Line Items]
Discount rate - benefit obligations	[1]	7.00%	7.50%	8.40%
Discount rate - net periodic benefit cost	[1]	7.00%	7.50%	8.40%
Rate of increase in compensation levels of covered employees		9.00%	8.00%	9.00%
Rate of return on plan assets		7.00%	7.00%	7.20%
[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, 2021INR (₨)
Benefit payments
2022	₨ 1,271.4
2023	1,058.3
2024	927.5
2025	837.2
2026	746.1
2027 - 2031	₨ 3,017

Plan Assets as Percentage of To

Plan Assets as Percentage of Total Funds (Detail) - Gratuity	Mar. 31, 2021
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	79.50%	[1]
Funds managed by insurance company (1) | Debenture and bonds
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	14.00%	[1]
Funds managed by insurance company (1) | Equity securities
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	5.70%	[1]
Funds managed by insurance company (1) | Other
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	0.80%	[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	22.70%	[1]
Funds managed by insurance company (2) | Debenture and bonds
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	26.20%	[1]
Funds managed by insurance company (2) | Equity securities
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	46.10%	[1]
Funds managed by insurance company (2) | Other
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	5.00%	[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	36.50%
Funds managed by trust | Debenture and bonds
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	51.90%
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	11.60%
[1]	The data pertaining to plan investment assets measured at fair value by level and total at March 31, 2021 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 Thousands, ₨ in Millions	12 Months Ended
	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)	Mar. 31, 2019INR (₨)	Mar. 31, 2021USD ($)
Change in benefit obligations:
Projected benefit obligation ("PBO"), beginning of the period	₨ 598.2	$ 8,200	₨ 677.6
Service cost	14.6	200	6.5	₨ 7.7
Interest cost	37.7	500	45.3	66.3
Actuarial (gains)/losses	327.9	4,500	15.3
Benefits paid	(116.4)	(1,600)	(146.5)
Projected benefit obligation, end of the period	862	11,800	598.2	677.6
Change in plan assets:
Fair value of plan assets, beginning of the period	95.2	1,300	219.5
Expected return on plan assets	3.2	0	11	18.6
Actuarial gains/(losses)	(1.7)	0	2.9
Actual return on plan assets	1.5	0	13.9
Employer contributions	23	300	8.3
Benefits paid	(116.4)	(1,600)	(146.5)
Fair value of plan assets, end of the period	3.3	$ 0	95.2	₨ 219.5
Funded Status	₨ (858.7)		₨ (503)		$ (11,800)

Net Pension Cost (Detail)

Net Pension Cost (Detail) - Pension $ in Thousands, ₨ in Millions	12 Months Ended
	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)	Mar. 31, 2019INR (₨)
Defined Benefit Plan Disclosure [Line Items]
Service cost	₨ 14.6	$ 200	₨ 6.5	₨ 7.7
Interest cost	37.7	500	45.3	66.3
Expected return on plan assets	(3.2)	0	(11)	(18.6)
Actuarial (gains)/losses	329.6	4,500	12.4	1.7
Net pension cost	₨ 378.7	$ 5,200	₨ 53.2	₨ 57.1

Assumptions Used in Accountin_2

Assumptions Used in Accounting for Pension Plan (Detail) - Pension		12 Months Ended
		Mar. 31, 2021	Mar. 31, 2020	Mar. 31, 2019
Defined Benefit Plan Disclosure [Line Items]
Discount rate - net periodic benefit cost	[1]	7.00%	7.50%	8.40%
Rate of increase in compensation levels of covered employees		7.00%	7.00%	8.00%
Rate of return on plan assets		6.50%	7.00%	7.00%
Discount rate - benefit obligations	[1]	7.00%	7.50%	8.40%
[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, 2021INR (₨)
Benefit payments
2022	₨ 227.7
2023	94.1
2024	147.8
2025	126.6
2026	42.4
2027 - 2031	₨ 625.6

Weighted-Average Asset Allocati

Weighted-Average Asset Allocation of Said Plan Assets for Pension Benefits (Detail) - Pension	Mar. 31, 2021
Funds managed by trust
Weighted-average asset allocation	100.00%
Government Securities
Funds managed by trust
Weighted-average asset allocation	54.50%
Debenture and bonds
Funds managed by trust
Weighted-average asset allocation	45.50%
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, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
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	₨ 27.2	$ 0.4	₨ 118
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	27.2		118
Fair Value Measurements Using Significant other observable inputs (Level 2)
Defined Benefit Plan Disclosure [Line Items]
Plan investment assets at fair value	7,656.6	104.7	5,156.8
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	7,445.5		4,937.3
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	87.6		110.8
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	123.5		108.7
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	664.1	$ 9.1	600.2
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	664.1		600.2
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, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Defined Benefit Plan Disclosure [Line Items]
Beginning balance	₨ 600.2	$ 8.2	₨ 625
Realized interest credited to fund	60.5	0.9	48
Contribution during the period	104.5	1.4	89.5
Amount paid towards claim	(101.1)	(1.4)	(162.3)
Ending Balance	₨ 664.1	$ 9.1	₨ 600.2

Aggregate Notional Principal Am

Aggregate Notional Principal Amounts of Bank's Outstanding Forward Exchange and Derivative Contracts (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Derivatives, Fair Value [Line Items]
Notional	₨ 8,580,508.8	$ 117,316.3	₨ 10,230,668.8
Gross Assets	84,406.7	1,154	190,537.6
Gross Liabilities	81,880	1,119.5	184,783
Net Fair Value	2,526.7	34.5	5,754.6
Interest rate derivatives
Derivatives, Fair Value [Line Items]
Notional	3,155,410.2	43,142.1	3,644,495.8
Gross Assets	32,217.2		49,876.8
Gross Liabilities	33,894		51,976.9
Net Fair Value	(1,676.8)	(22.9)	(2,100.1)
Forward rate agreements
Derivatives, Fair Value [Line Items]
Notional	20,887.8	285.6	0
Gross Assets	270		0
Gross Liabilities	64.1		0
Net Fair Value	205.9	2.8	0
Currency options
Derivatives, Fair Value [Line Items]
Notional	202,402.7	2,767.3	304,252.4
Gross Assets	1,078.7		3,034.4
Gross Liabilities	1,510.7		4,342
Net Fair Value	(432)	(5.9)	(1,307.6)
Currency swaps
Derivatives, Fair Value [Line Items]
Notional	237,081.5	3,241.5	202,725.6
Gross Assets	8,126.4		12,396
Gross Liabilities	4,940.8		6,592.1
Net Fair Value	3,185.6	43.6	5,803.9
Forward exchange contracts
Derivatives, Fair Value [Line Items]
Notional	4,964,726.6	67,879.8	6,079,195
Gross Assets	42,714.4		125,230.4
Gross Liabilities	41,470.4		121,872
Net Fair Value	₨ 1,244	$ 16.9	₨ 3,358.4

Information Related to Derivati

Information Related to Derivative Amounts Recognized in Income (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)	Mar. 31, 2019INR (₨)
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives gain/(loss), net	₨ (3,253)	$ (44.5)	₨ 3,550	₨ 12,409.1
Interest rate derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives gain/(loss), net	773.9	10.6	(2,572.2)	736.4
Forward rate agreements
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives gain/(loss), net	205.9	2.8	0	0.1
Currency options
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives gain/(loss), net	1,191.1	16.2	585.5	(262.5)
Currency swaps
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives gain/(loss), net	(3,309.2)	(45.2)	3,465.5	1,045
Forward exchange contracts
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives gain/(loss), net	₨ (2,114.7)	$ (28.9)	₨ 2,071.2	₨ 10,890.1

Amounts Subject to Enforceable

Amounts Subject to Enforceable Netting Arrangements (Detail) ₨ in Millions, $ in Millions		Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Derivative [Line Items]
Derivative assets, gross amounts		₨ 84,406.7	$ 1,154	₨ 190,537.6
Derivative assets, amounts offset		0		0
Derivative assets, net amounts reported in the balance sheet		84,406.7		190,537.6
Derivative assets, financial instruments		55,002.7		147,844.5
Derivative assets, financial collateral	[1]	4,065.5		8,326.7
Derivative assets, net amount		25,338.5	346.4	34,366.4
Securities purchased under agreements to resell, gross amounts		270,060	3,692.4	250,000
Securities purchased under agreements to resell, amounts offset		0		0
Securities purchased under agreements to resell, net amounts reported in the balance sheet		270,060		250,000
Securities purchased under agreements to resell, financial instruments		0		0
Securities purchased under agreements to resell, financial collateral	[1]	270,060		250,000
Securities purchased under agreements to resell, net amount		0	0	0
Derivative liabilities, gross amounts		81,880	1,119.5	184,783
Derivative liabilities, amounts offset		0		0
Derivative liabilities, net amounts reported in the balance sheet		81,880		184,783
Derivative liabilities, financial instruments		55,002.7		147,844.5
Derivative liabilities, financial collateral	[1]	4,816.3		6,706.7
Derivative liabilities, net amount		22,061	301.6	30,231.8
Securities sold under repurchase agreements, gross amounts		356,059.2	4,868.2	507,982
Securities sold under repurchase agreements, amounts offset		0		0
Securities sold under repurchase agreements, net amounts reported in the balance sheet		356,059.2		507,982
Securities sold under repurchase agreements, financial instruments		0		0
Securities sold under repurchase agreements, financial collateral	[1]	356,059.2		507,982
Securities sold under repurchase agreements, net amount		0	0	0
Long Term debt , gross amounts		90,200		17,260
Long Term debt , Amounts offset		0		0
Long Term debt ,Net amounts reported in the balance sheet		90,200		17,260
Long Term debt , Financial instruments		0		0
Long Term debt , Financial collateral	[1]	90,200		17,260
Long Term debt , 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, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Financial Instruments [Line Items]
Estimated fair values of bank guarantees	₨ 6,044.1	$ 82.6	₨ 4,680.7
Margins in the form of cash and fixed deposit available to the bank to reimburse losses realized under guarantees	121,200		130,500
Outstanding Undrawn commitments to provide loans and financing to customers	628,300	8,600	539,800
Unconditional cancellable commitments	4,826,700	66,000	3,806,200
Guarantees
Financial Instruments [Line Items]
Estimated fair values of bank guarantees	₨ 5,500.7	$ 75.2	₨ 4,191.9
Minimum
Financial Instruments [Line Items]
Remaining tenure of guarantees outstanding	1 day
Maximum
Financial Instruments [Line Items]
Remaining tenure of guarantees outstanding	24 years 7 months 6 days

Summary of allowance for Credit

Summary of allowance for Credit Losses included in accrued expenses and other liabilities on Off-Balance sheet credit exposures and undrawn commitments (Detail) ₨ in Millions	12 Months Ended
	Mar. 31, 2021INR (₨)
Schedule Of Allowance For Credit Losses OnOff BalanceSheet Credit Exposures And Undrawn Commitments [Abstract]
Allowance for credit losses, beginning of the period	₨ 3,226.8
Impact of Adoption of ASC 326	2,296.6
Provision for credit exposures	58.1
Allowance for credit losses, end of the period	₨ 5,581.5

Details of Guarantees and Docum

Details of Guarantees and Documentary Credits Outstanding (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Guarantor Obligations [Line Items]
Bank guarantees	₨ 1,131,739.2	$ 15,473.6	₨ 1,034,155.3
Estimated fair values of bank guarantees	(6,044.1)	(82.6)	(4,680.7)
Financial guarantees
Guarantor Obligations [Line Items]
Bank guarantees	334,040.8	4,567.1	263,758
Performance guarantees
Guarantor Obligations [Line Items]
Bank guarantees	421,162.2	5,758.3	330,164.6
Documentary credits
Guarantor Obligations [Line Items]
Bank guarantees	376,536.2	5,148.2	440,232.7
Estimated fair values of documentary credits	(543.4)	(7.4)	(488.8)
Guarantees
Guarantor Obligations [Line Items]
Estimated fair values of bank guarantees	₨ (5,500.7)	$ (75.2)	₨ (4,191.9)

Comparison of Fair Values and C

Comparison of Fair Values and Carrying Values of Financial Instruments (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Financial Assets:
Cash and due from banks, and restricted cash	₨ 930,694.7	$ 12,724.8	₨ 611,961
Investments held for trading	99,620.2	1,362	304,962.9
Investments available for sale debt securities	4,275,449.9	58,455.7	3,406,289.2
Securities purchased under agreements to resell	270,060	3,692.4	250,000
Loans	11,700,189.2	159,969.8	10,425,022.4
Accrued interest receivable	118,762.9	1,623.8	103,035.9
Other assets	320,187.5	4,377.7	641,605.5
Financial Liabilities :
Interest-bearing deposits	11,226,467.8	153,492.9	9,730,481.3
Non-interest-bearingdeposits	2,110,762.4	28,859.2	1,731,590
Securities sold under repurchase agreements	356,059.2	4,868.2	507,982
Short-term borrowings	239,264.1	3,271.3	377,417.6
Accrued interest payable	77,969.1	1,066	80,078.9
Long-term debt	1,174,758.2	16,061.8	1,026,518.3
Accrued expenses and other liabilities	445,135.7	6,086.1	460,931.4
Financial Assets:
Cash and due from banks, and restricted cash	930,694.7	12,724.8	611,961
Investments held for trading	99,620.2	1,362	304,962.9
Investments available for sale debt securities	4,275,449.9	58,455.7	3,406,289.2
Securities purchased under agreements to resell	270,060	3,692.4	250,000
Loans	11,874,816	162,357.3	10,529,655.5
Accrued interest receivable	118,762.9	1,623.8	103,035.9
Other assets	318,510.7	4,354.8	639,876.5
Financial Liabilities :
Securities sold under repurchase agreements	356,059.2	4,868.2	507,982
Short-term borrowings	238,700.3	3,263.6	378,027.9
Accrued interest payable	77,969.1	1,066	80,078.9
Long-term debt	1,200,953.4	16,419.9	1,074,826.3
Accrued expenses and other liabilities	445,135.7	6,086.1	460,931.4
Interest Bearing Deposits Liabilities
Financial Liabilities :
Interest-bearing deposits	11,282,540.2	154,259.5	9,786,793.2
Non-interest-bearing deposits
Financial Liabilities :
Interest-bearing deposits	2,110,762.4	$ 28,859.2	1,731,590
Fair Value Measurements Using Quoted Prices In Active Markets for Identical Assets (Level 1)
Financial Assets:
Cash and due from banks, and restricted cash	930,694.7		611,961
Investments held for trading	0		6,291
Investments available for sale debt securities	176,015.8		371,450.5
Securities purchased under agreements to resell	0		0
Loans	0		0
Accrued interest receivable	0		0
Other assets	11,869.8		2,282.4
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:
Cash and due from banks, and restricted cash	0		0
Investments held for trading	99,620.2		298,671.9
Investments available for sale debt securities	3,938,270.2		2,907,384.4
Securities purchased under agreements to resell	270,060		250,000
Loans	2,807,875.9		2,593,022.1
Accrued interest receivable	118,762.9		103,035.9
Other assets	306,640.9		637,594.1
Financial Liabilities :
Securities sold under repurchase agreements	356,059.2		507,982
Short-term borrowings	238,700.3		378,027.9
Accrued interest payable	77,969.1		80,078.9
Long-term debt	1,200,953.4		1,074,826.3
Accrued expenses and other liabilities	445,135.7		460,931.4
Fair Value Measurements Using Significant other observable inputs (Level 2) | Interest Bearing Deposits Liabilities
Financial Liabilities :
Interest-bearing deposits	11,282,540.2		9,786,793.2
Fair Value Measurements Using Significant other observable inputs (Level 2) | Non-interest-bearing deposits
Financial Liabilities :
Interest-bearing deposits	2,110,762.4		1,731,590
Fair Value Measurements Using Significant unobservable inputs (Level 3)
Financial Assets:
Cash and due from banks, and restricted cash	0		0
Investments held for trading	0		0
Investments available for sale debt securities	161,163.9		127,454.3
Securities purchased under agreements to resell	0		0
Loans	9,066,940.1		7,936,633.4
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, 2021Segment
Reportable segments	3

Summarized Segment Information

Summarized Segment Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)	Mar. 31, 2019INR (₨)	Mar. 31, 2021USD ($)
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)	₨ 683,686.5	$ 9,347.8	₨ 593,527.4	₨ 507,505.6
Less: Provision for credit losses	154,233.4	2,108.7	117,621.9	72,279.3
Net interest revenue, after provision for credit losses	529,453.1	7,239.1	475,905.5	435,226.3
Non-interest revenue	252,975.7	3,458.7	198,219	160,122.2
Non-interest expense	(342,602.3)	(4,684.2)	(308,280.5)	(255,389.5)
Income before income tax expense	439,826.5	6,013.6	365,844	339,959
Income tax expense	113,820.1	1,556.2	105,480	119,393.5
Segment assets:
Segment total assets	17,979,782		15,961,889.1	13,280,073.6	$ 245,826.9
Operating Segments
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)	683,686.5	$ 9,347.8	593,527.4	507,505.6
Net interest income (Internal)
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)	0		0	0
Retail Banking
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)	537,763.5		483,083.2	399,016.2
Less: Provision for credit losses	145,822		104,516.8	64,051
Net interest revenue, after provision for credit losses	391,941.5		378,566.4	334,965.2
Non-interest revenue	175,447.7		161,890.1	138,783
Non-interest expense	(306,461.1)		(278,605.8)	(230,726.5)
Income before income tax expense	260,928.1		261,850.7	243,021.7
Segment assets:
Segment total assets	9,356,987.2		8,353,762.3	7,432,733.8
Retail Banking | Operating Segments
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)	361,343.5		356,017.3	336,677.1
Retail Banking | Net interest income (Internal)
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)	176,420		127,065.9	62,339.1
Wholesale Banking
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)	134,567.3		103,723.3	96,242.2
Less: Provision for credit losses	8,411.4		13,105.1	8,228.3
Net interest revenue, after provision for credit losses	126,155.9		90,618.2	88,013.9
Non-interest revenue	72,420.1		36,059.1	23,789.6
Non-interest expense	(34,238.4)		(27,774)	(22,744.8)
Income before income tax expense	164,337.6		98,903.3	89,058.7
Segment assets:
Segment total assets	7,011,959.9		5,933,391.4	4,732,290.7
Wholesale Banking | Operating Segments
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)	278,431		204,725.8	140,085
Wholesale Banking | Net interest income (Internal)
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)	(143,863.7)		(101,002.5)	(43,842.8)
Treasury Services
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)	11,355.7		6,720.9	12,247.2
Less: Provision for credit losses	0		0	0
Net interest revenue, after provision for credit losses	11,355.7		6,720.9	12,247.2
Non-interest revenue	5,107.9		269.8	(2,450.4)
Non-interest expense	(1,902.8)		(1,900.7)	(1,918.2)
Income before income tax expense	14,560.8		5,090	7,878.6
Segment assets:
Segment total assets	1,610,834.9		1,674,735.4	1,115,049.1
Treasury Services | Operating Segments
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)	43,912		32,784.3	30,743.5
Treasury Services | Net interest income (Internal)
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)	₨ (32,556.3)		₨ (26,063.4)	₨ (18,496.3)

Commitments and Contingencies -

Commitments and Contingencies - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Loss Contingencies [Line Items]
Capital commitments, estimated amounts of contracts remaining to be executed on the capital account	₨ 12,895.7		₨ 12,756.9
Additional operating lease commitments with leases which have not yet commenced	187.8
Operating lease expense	₨ 12,820.3	$ 175.3	11,692.3
Minimum [Member]
Loss Contingencies [Line Items]
Additional operating lease commitments with leases which have not yet commenced, lease term	9 years
Maximum [Member]
Loss Contingencies [Line Items]
Additional operating lease commitments with leases which have not yet commenced, lease term	15 years
Indirect Taxes And Other Claims
Loss Contingencies [Line Items]
Contingencies, estimated possible loss	₨ 8,437.8		₨ 10,203.1

Summary Of Operating Lease Righ

Summary Of Operating Lease Right Of Use Assets And Lease Liability (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Commitments and Contingencies Disclosure [Abstract]
Right-of-use assets	₨ 64,548.8	$ 882.5	₨ 60,756.9
Lease liabilities	₨ 70,422	$ 962.8	₨ 65,615.1

Rental Expenses and Sub-Lease I

Rental Expenses and Sub-Lease Income (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)	Mar. 31, 2019INR (₨)
Operating Leased Assets [Line Items]
The total minimum lease expense during the year recognized in the consolidated statement of income	₨ 14,244.4	$ 194.8	₨ 13,698.7	₨ 12,700.8

Future Minimum Lease Payments (

Future Minimum Lease Payments (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Operating Leased Assets [Line Items]
2022	₨ 11,783.1	$ 161.1
2023	10,951.6	149.7
2024	10,125.8	138.4
2025	9,553.1	130.6
2026	9,201.9	125.8
Thereafter	50,337.5	688.2
Total lease payments	101,953	1,393.8
Less: imputed interest	31,531	431
Total operating lease liabilities	₨ 70,422	$ 962.8	₨ 65,615.1
Weighted average remaining lease term (in years)	9 years 9 months 18 days	9 years 9 months 18 days
Weighted average discount rate	7.00%	7.00%

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, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Valuation and Qualifying Accounts Disclosure [Line Items]
Opening provision of reward points	₨ 7,341.5	$ 100.4	₨ 6,030.9
Provision made during the year	3,752.1	51.3	5,356
Utilization/write back of provision	(4,026.7)	(55.1)	(3,868.8)
Closing provision of reward points	6,387.9	87.3	7,341.5
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	₨ (679)	$ (9.3)	₨ (176.6)

Balances Payable to Related Par

Balances Payable to Related Parties (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Related Party Transaction [Line Items]
Balances in non-interest-bearing deposits	₨ 2,110,762.4	$ 28,859.2	₨ 1,731,590
Balances in interest-bearing deposits	11,226,467.8	153,492.9	9,730,481.3
Principal Owner
Related Party Transaction [Line Items]
Balances in non-interest-bearing deposits	31,834.6		35,128.7
Balances in interest-bearing deposits	3,772.1		1,662
Accrued expenses and other liabilities	1,110.5		1,002.8
Total	36,717.2		37,793.5
Others
Related Party Transaction [Line Items]
Balances in non-interest-bearing deposits	9,732		8,258.8
Balances in interest-bearing deposits	1,830.5		5,954.8
Accrued expenses and other liabilities	0		0
Total	11,562.5		14,213.6
Related Party
Related Party Transaction [Line Items]
Balances in non-interest-bearing deposits	41,566.6	568.3	43,387.5
Balances in interest-bearing deposits	5,602.6	76.6	7,616.8
Accrued expenses and other liabilities	1,110.5	15.2	1,002.8
Total	₨ 48,279.7	$ 660.1	₨ 52,007.1

Balances Receivable from Relate

Balances Receivable from Related Parties (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Related Party Transaction [Line Items]
Loans	₨ 10.6	$ 0.1	₨ 26.5
Other assets	3,018.6	41.3	1,716.4
Total	3,029.2	$ 41.4	1,742.9
Principal Owner
Related Party Transaction [Line Items]
Loans	0		0
Other assets	1,390.9		449.5
Total	1,390.9		449.5
Others
Related Party Transaction [Line Items]
Loans	10.6		26.5
Other assets	1,627.7		1,266.9
Total	₨ 1,638.3		₨ 1,293.4

Related Party Transactions - Ad

Related Party Transactions - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)	Mar. 31, 2019INR (₨)	Mar. 31, 2021USD ($)
Related Party Transaction [Line Items]
Purchase of investments from others	₨ 114.3		₨ 4,872.8
Sale of investments from others	29,451.1		28,016.8
Investments of others	481,989.2	$ 6,590	272,104.7	₨ 320,093.6
Dividend paid to principal owner	166.6	$ 2.3	66,447.3	₨ 41,015.2
Foreign exchange and derivative contracts, notional principal amount	8,580,508.8		10,230,668.8		$ 117,316.3
Bank guarantees	1,131,739.2		1,034,155.3		$ 15,473.6
Tier II bonds
Related Party Transaction [Line Items]
Investments of others	400		200
Principal Owner
Related Party Transaction [Line Items]
Loans purchased from principal owner	189,797.8		241,272.5
Dividend paid to principal owner	0		8,646.2
Foreign exchange and derivative contracts, notional principal amount	77,574.9		120,099.5
Foreign exchange and derivative contracts, mark to market gains	833		53.5
Bank guarantees	4		3.9
Principal Owner | Property Plant and equipment
Related Party Transaction [Line Items]
Fixed assets purchased from related parties	0		0
Others
Related Party Transaction [Line Items]
Bank guarantees	₨ 44.3		₨ 29.9

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, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)	Mar. 31, 2019INR (₨)
Related Party Transaction [Line Items]
Interest expense-Deposits	₨ (279.3)	$ (3.8)	₨ (169.5)	₨ (192.9)
Non-Interest Revenue-Fees and Commissions
Related Party Transaction [Line Items]
Related party transaction revenues	23,048.1	315.1	20,091.1	17,388
Interest and Dividend Revenue
Related Party Transaction [Line Items]
Related party transaction revenues	552.5	7.6	1,194.2	1,901.7
Administrative and other expense
Related Party Transaction [Line Items]
Related party transaction non-interest expense	(8,730.7)	(119.4)	(8,960.4)	(7,680)
Premises and equipment expense
Related Party Transaction [Line Items]
Related party transaction non-interest expense	(29.5)	$ (0.4)	(35.5)	(37.3)
Principal Owner
Related Party Transaction [Line Items]
Interest expense-Deposits	(108)		(85.3)	(54.9)
Principal Owner | Non-Interest Revenue-Fees and Commissions
Related Party Transaction [Line Items]
Related party transaction revenues	3,246.5		3,089.4	2,829.7
Principal Owner | Interest and Dividend Revenue
Related Party Transaction [Line Items]
Related party transaction revenues	0		0	352
Principal Owner | Administrative and other expense
Related Party Transaction [Line Items]
Related party transaction non-interest expense	(5,874.4)		(5,840.8)	(4,838.3)
Principal Owner | Premises and equipment expense
Related Party Transaction [Line Items]
Related party transaction non-interest expense	(24.3)		(25.8)	(31.2)
Others
Related Party Transaction [Line Items]
Interest expense-Deposits	(171.3)		(84.2)	(138)
Others | Non-Interest Revenue-Fees and Commissions
Related Party Transaction [Line Items]
Related party transaction revenues	19,801.6		17,001.7	14,558.3
Others | Interest and Dividend Revenue
Related Party Transaction [Line Items]
Related party transaction revenues	552.5		1,194.2	1,549.7
Others | Administrative and other expense
Related Party Transaction [Line Items]
Related party transaction non-interest expense	(2,856.3)		(3,119.6)	(2,841.7)
Others | Premises and equipment expense
Related Party Transaction [Line Items]
Related party transaction non-interest expense	₨ (5.2)		₨ (9.7)	₨ (6.1)

Earnings Per Equity Share - Add

Earnings Per Equity Share - Additional Information (Detail) ₨ / shares in Units, ₨ in Millions	Jun. 18, 2021₨ / shares	Apr. 22, 2021	Aug. 02, 2019₨ / shares	Mar. 31, 2021$ / shares₨ / sharesshares	Mar. 31, 2021INR (₨)₨ / sharesshares	Mar. 31, 2020₨ / sharesshares	Mar. 31, 2019₨ / shares	Mar. 31, 2021$ / sharesshares	Sep. 20, 2019₨ / sharesshares	Sep. 19, 2019₨ / shares
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Equity shares, issued | shares				5,512,776,482	5,512,776,482	5,483,286,460		5,512,776,482	5,470,763,894
Equity shares, par value				₨ 1	₨ 1	₨ 1			₨ 1	₨ 2
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 | ₨					₨ 311,165.3
Dividends declared | (per share)						2.5	₨ 7.5	$ 0
Dividends declared per equity share | (per share)				₨ 0.09	₨ 6.5	₨ 2.5	₨ 7.5
Subsequent Event
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Dividends declared per equity share	₨ 6.5
Special Interim Dividend
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Common Stock, Dividends, Per Share, Cash Paid			₨ 2.5
Maximum
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Equity shares, par value									₨ 2
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 | shares					73,917,840	24,224,032
Indian GAAP [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Dividend payout, description of restrictions					As per the RBI guidelines, the dividend payout (excluding dividend tax) for March 31, 2021 cannot exceed 35% of net income of Rs. 311,165.3 million as calculated under Indian GAAP
Indian GAAP [Member] | Maximum
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Dividend payout, maximum pay out as a percentage of net income calculated under Indian GAAP					35.00%
Indian GAAP [Member] | Maximum | Subsequent Event
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Dividend payout, maximum pay out as a percentage of net income calculated under Indian GAAP		50.00%

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, 2021	Mar. 31, 2020	Mar. 31, 2019
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	5,499,587,357	5,468,802,148	5,360,068,058
Effect of potential equity shares for stock options outstanding	23,890,989	36,990,405	53,585,896
Weighted average number of equity shares used in computing diluted earnings per equity share	5,523,478,346	5,505,792,553	5,413,653,954

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, 2021₨ / shares	Mar. 31, 2021$ / shares	Mar. 31, 2020₨ / shares	Mar. 31, 2019₨ / shares
Earnings Per Share Disclosure [Line Items]
Basic earnings per share | (per share)	₨ 59.27	$ 0.81	₨ 47.59	₨ 41.07
Effect of potential equity shares for stock options outstanding | (per share)	0.25	0.01	0.32	0.41
Diluted earnings per share | (per share)	59.02	0.80	47.27	40.66
Basic earnings per share | (per share)	177.81	2.43	142.77	123.21
Diluted earnings per share | (per share)	177.06	2.40	141.81	121.98
American Depository Shares | Stock Compensation Plan
Earnings Per Share Disclosure [Line Items]
Effect of potential equity shares for stock options outstanding | (per share)	₨ 0.75	$ 0.03	₨ 0.96	₨ 1.23

Subsidiaries - Additional Infor

Subsidiaries - Additional Information (Detail)	Mar. 31, 2021	Mar. 31, 2020
HDFC Securities Ltd.
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]
The stake-holding of the Bank	96.80%	96.80%
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	95.70%	95.90%

Investments Measured at Fair Va

Investments Measured at Fair Value on Recurring Basis (Detail) ₨ in Millions, $ in Millions		Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading account securities		₨ 99,620.2	$ 1,362	₨ 304,962.9
Total | $			60,085.4
Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading account securities		99,620.2		304,962.9
Securities Available-for-Sale		4,275,449.9		3,406,289.2
Equity securities	[1]	19,577.8		10,937.5
Total		4,394,647.9		3,722,189.6
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		0		6,291
Securities Available-for-Sale		176,015.8		371,450.5
Equity securities	[1]	11,869.8		2,282.4
Total		187,885.6	2,568.8	380,023.9
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		99,620.2		298,671.9
Securities Available-for-Sale		3,938,270.2		2,907,384.4
Equity securities	[1]	7,708		8,655.1
Total		4,045,598.4	55,313.1	3,214,711.4
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		0
Securities Available-for-Sale		161,163.9		127,454.3
Equity securities	[1]	0		0
Total		₨ 161,163.9	$ 2,203.5	₨ 127,454.3
[1]	Equity securities classified within other assets.

Information about Changes in Fa

Information about Changes in Fair Value of Level 3 Assets (Detail) - Available-for-Sale Debt Securities - INR (₨) ₨ in Millions	12 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Beginning balance	₨ 127,454.3	₨ 38,812.9
Total gains or losses (realized/unrealized) -Included in net income	0	0
Total gains or losses (realized/unrealized)- Included in other comprehensive income	2,236.4	1,535.5
Purchases/additions	80,406.3	126,891.3
Sales		0
Issuances		0
Settlements	(48,933.1)	(39,785.4)
Transfers in Level 3		0
Transfers out of Level 3		0
Foreign currency translation adjustment		0
Ending Balance	161,163.9	127,454.3
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
Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period	₨ 2,236.4

Derivative Instruments Measured

Derivative Instruments Measured at Fair Value on Recurring Basis (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2021INR (₨)	Mar. 31, 2021USD ($)	Mar. 31, 2020INR (₨)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	₨ 84,406.7	$ 1,154	₨ 190,537.6
Derivative liabilities	81,880	$ 1,119.5	184,783
Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	84,406.7		190,537.6
Derivative liabilities	81,880		184,783
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	84,406.7		190,537.6
Derivative liabilities	81,880		184,783
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