HDFC Bank Limited (HDB) 20-F31 Jul 202020 FY Annual report (foreign)Financial data

Company Profile

Cover Page

Cover Page	12 Months Ended
Cover Page	Mar. 31, 2020shares
Document Information [Line Items]
Document Type	20-F
Amendment Flag	false
Document Period End Date	Mar. 31, 2020
Document Fiscal Year Focus	2020
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	5,483,286,460
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
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, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
ASSETS:
Cash and due from banks, and restricted cash	₨ 611,961	$ 8,117.3	₨ 734,872.6
Investments held for trading, at fair value	304,962.9	4,045.1	265,516.1
Investments available for sale debt securities, at fair value [includes restricted investments of Rs. 1,634,673.3 and Rs. 1,760,859.1 (US$ 23,356.7), as of March 31, 2019 and March 31, 2020, respectively]million	3,406,289.2	45,182.2	2,633,348.4
Securities purchased under agreements to resell	250,000	3,316.1	76,213.5
Loans [net of allowance of Rs. 148,232.0 and Rs. 198,833.2 (US$ 2,637.4), as of March 31, 2019 and March 31, 2020, respectively]	10,425,022.4	138,281.2	8,963,232.6
Accrued interest receivable	103,035.9	1,366.7	93,031.7
Property and equipment, net	48,327.7	641	43,187.8
Goodwill	74,937.9	994	74,937.9
Other assets	737,352.1	9,780.5	395,733
Total assets	15,961,889.1	211,724.1	13,280,073.6
Liabilities:
Interest-bearing deposits	9,730,481.3	129,068.6	7,804,717.5
Non-interest-bearing deposits	1,731,590	22,968.4	1,420,309.4
Total deposits	11,462,071.3	152,037	9,225,026.9
Securities sold under repurchase agreements	507,982	6,738.1	174,000
Short-term borrowings	377,417.6	5,006.2	654,058
Accrued interest payable	80,078.9	1,062.2	79,372.5
Long-term debt	1,026,518.3	13,616.1	1,044,553
Accrued expenses and other liabilities	611,327.2	8,108.8	467,438.6
Total liabilities	14,065,395.3	186,568.4	11,644,449
Commitments and contingencies (see note 27)
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 5,446,613,220 shares and 5,483,286,460 shares, as of March 31, 2019 and March 31, 2020, respectively	5,483.3	72.7	5,446.6
Additional paid-in capital	765,888.6	10,159	739,763.6
Retained earnings	713,340.6	9,462	587,235.2
Statutory reserve	356,038.3	4,722.6	288,321.1
Accumulated other comprehensive income (loss)	52,331.6	694.1	11,808.8
Total HDFC Bank Limited shareholders' equity	1,893,082.4	25,110.4	1,632,575.3
Noncontrolling interest in subsidiaries	3,411.4	45.3	3,049.3
Total shareholders' equity	1,896,493.8	25,155.7	1,635,624.6
Total liabilities and shareholders' equity	₨ 15,961,889.1	$ 211,724.1	₨ 13,280,073.6

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) ₨ in Millions, $ in Millions	Mar. 31, 2020INR (₨)₨ / sharesshares	Mar. 31, 2020USD ($)shares	Mar. 31, 2019INR (₨)₨ / sharesshares	Mar. 31, 2019USD ($)shares
Investments available for sale, at fair value, restricted investments	₨ 1,760,859.1	$ 23,356.7	₨ 1,634,673.3
Loans, allowance	₨ 198,833.2	$ 2,637.4	₨ 148,232	$ 1,966.2
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	5,483,286,460	5,483,286,460	5,446,613,220	5,446,613,220
Equity shares, outstanding	5,483,286,460	5,483,286,460	5,446,613,220	5,446,613,220

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2020INR (₨)₨ / shares	Mar. 31, 2020USD ($)$ / shares	Mar. 31, 2019INR (₨)₨ / shares	Mar. 31, 2018INR (₨)₨ / shares
Interest and dividend revenue:
Loans	₨ 981,794.8	$ 13,022.9	₨ 827,683	₨ 667,458.7
Trading securities	7,392.1	98.1	8,892.9	4,049.1
Available for sale debt securities	198,383.2	2,631.4	190,992.5	158,209.2
Other	24,412.8	323.8	14,146.5	13,748.3
Total interest and dividend revenue	1,211,982.9	16,076.2	1,041,714.9	843,465.3
Interest expense:
Deposits	507,888.8	6,736.8	410,026.4	326,717.8
Short-term borrowings	27,216.8	361	39,054.3	26,004.4
Long-term debt	83,200.5	1,103.6	85,081.1	67,297.5
Other	149.4	2	47.5	295
Total interest expense	618,455.5	8,203.4	534,209.3	420,314.7
Net interest revenue	593,527.4	7,872.8	507,505.6	423,150.6
Provision for credit losses	117,621.9	1,560.2	72,279.3	59,397.8
Net interest revenue after provision for credit losses	475,905.5	6,312.6	435,226.3	363,752.8
Non-interest revenue, net:
Fees and commissions	160,099.5	2,123.6	134,155.2	120,060.9
Trading securities gain/(loss), net	1,323.4	17.6	1,028.4	(63.4)
Realized gain/(loss) on sales of available for sale debt securities, net	25,826.2	342.6	2,596	10,853.2
Other than temporary impairment losses on available for sale debt securities	(9,109)	(120.8)	(1,081)	(149.1)
Foreign exchange transactions	15,265.6	202.5	1,917.8	6,209.5
Derivatives gain/(loss), net	3,550	47.1	12,409.1	6,742.6
Other, net	1,263.3	16.8	9,096.7	953.3
Total non-interest revenue, net	198,219	2,629.4	160,122.2	144,607
Total revenue, net	674,124.5	8,942	595,348.5	508,359.8
Non-interest expense:
Salaries and staff benefits	130,506.9	1,731.1	104,652.6	98,483.7
Premises and equipment	31,533.9	418.3	29,527.7	29,816.9
Depreciation and amortization	12,800.3	169.8	12,247.8	9,678.9
Administrative and other	133,439.4	1,770	108,960.4	93,272.9
Amortization of intangible assets	0	0	1	1
Total non-interest expense	308,280.5	4,089.2	255,389.5	231,253.4
Income before income tax expense	365,844	4,852.8	339,959	277,106.4
Income tax expense	105,480	1,399.1	119,393.5	98,272.5
Net income before noncontrolling interest	260,364	3,453.7	220,565.5	178,833.9
Less: Net income attributable to shareholders of noncontrolling interest	94.1	1.2	461.7	319
Net income attributable to HDFC Bank Limited	₨ 260,269.9	$ 3,452.5	₨ 220,103.8	₨ 178,514.9
Per share information: (see note: 29)
Earnings per equity share-basic \| (per share)	₨ 47.59	$ 0.63	₨ 41.07	₨ 34.59
Earnings per equity share-diluted \| (per share)	47.27	0.62	40.66	34.15
Per ADS information (where 1 ADS represents 3 shares): (see note: 29)
Earnings per ADS-basic \| (per share)	142.77	1.89	123.21	103.77
Earnings per ADS-diluted \| (per share)	141.81	1.86	121.98	102.45
Dividends declared per equity share \| (per share)	₨ 2.5	$ 0.03	₨ 7.5	₨ 6.5

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)	Mar. 31, 2018INR (₨)
Net income before noncontrolling interest	₨ 260,364	$ 3,453.7	₨ 220,565.5	₨ 178,833.9
Foreign currency translation adjustment:
Net unrealized gain (loss) arising during the period [net of tax Rs. (39.6), Rs. (356.6) and Rs. (426.7), as of March 31, 2018, March 31, 2019 and March 31, 2020, respectively]	1,771.7	23.5	663.9	72.1
Available for sale debt securities:
Net unrealized gain (loss) arising during the period [net of tax Rs. 11,319.5, Rs. (9,187.8) and Rs. (15,704.2), as of March 31, 2018, March 31, 2019 and March 31, 2020, respectively]	47,574.2	631	17,105.1	(21,445.3)
Reclassification adjustment for net (gain) loss included in net income [net of tax Rs. 4,541.5, Rs. 1,018.1 and Rs. 4,739.2, as of March 31, 2018, March 31, 2019 and March 31, 2020, respectively]	(8,823.1)	(117)	(1,895.5)	(8,455.1)
Other comprehensive income, net of tax	40,522.8	537.5	15,873.5	(29,828.3)
Total comprehensive income	300,886.8	3,991.2	236,439	149,005.6
Less: Comprehensive income attributable to shareholders of noncontrolling interest	94.1	1.2	461.7	319
Comprehensive income attributable to HDFC Bank Limited	₨ 300,792.7	$ 3,990	₨ 235,977.3	₨ 148,686.6

CONSOLIDATED STATEMENTS OF CO_2

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Parenthetical) - INR (₨) ₨ in Millions	12 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Mar. 31, 2018
Net unrealized gain (loss) arising during the period, tax	₨ (426.7)	₨ (356.6)	₨ (39.6)
Net unrealized gain (loss) arising during the period, tax	(15,704.2)	(9,187.8)	11,319.5
Reclassification adjustment for net (gain) loss included in net income, tax	₨ 4,739.2	₨ 1,018.1	₨ 4,541.5

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)	Mar. 31, 2018INR (₨)
Cash flows from operating activities:
Net income before noncontrolling interest	₨ 260,364	$ 3,453.7	₨ 220,565.5	₨ 178,833.9
Adjustment to reconcile net income to net cash provided by operating activities
Provision for credit losses	117,621.9	1,560.2	72,279.3	59,397.8
Depreciation and amortization	12,800.3	169.8	12,247.8	9,678.9
Amortization of intangible assets	0	0	1	1
Amortization of deferred customer acquisition costs and fees	11,673.2	154.8	10,423.1	9,246.2
Amortization of premium (discount) on investments	5,196.8	68.9	4,532.1	3,599.4
Other than temporary impairment losses on available for sale debt securities	9,109	120.8	1,081	149.1
Deferred tax expense/(benefit)	(101.2)	(1.3)	(8,129.4)	(10,403.5)
Other gains, net	133.7	1.8	(6,717.5)	0
Share-based compensation expense	7,476.1	99.2	5,343.3	6,594.6
Net realized (gain) loss on sale of available for sale debt securities	(25,826.2)	(342.6)	(2,596)	(10,853.2)
(Gain) loss on disposal of property and equipment, net	81.9	1.1	(64.8)	(64.5)
Unrealized exchange (gain) loss	3,312.5	43.9	574.6	1,719.5
Net change in:
Investments held for trading	(227,480.4)	(3,017.4)	(96,555.7)	(131,816.3)
Accrued interest receivable	(9,752.6)	(129.4)	(15,060.3)	(10,527.8)
Other assets	(140,959.9)	(1,869.7)	(112,726.3)	90,525.6
Accrued interest payable	563.7	7.5	13,775	20,997.1
Accrued expense and other liabilities	146,966.9	1,949.4	84,299.5	(122,803.6)
Net cash provided by operating activities	171,179.7	2,270.7	183,272.2	94,274.2
Cash flows from investing activities:
Term placements, net	6,055.7	80.3	24,447.4	(8,806.4)
Activity in available for sale debt securities:
Purchases	(2,608,516.6)	(34,600.3)	(1,781,754.9)	(1,518,100.1)
Proceeds from sales	1,214,082	16,104	453,778.9	197,206.3
Maturities, prepayments and calls	653,889	8,673.4	937,072	1,171,299.5
Net change in repurchase agreements and reverse repurchase agreements	160,195.5	2,124.9	609,805.1	(462,018.6)
Loans purchased	(252,738.1)	(3,352.3)	(240,356.2)	(55,216)
Repayments on loans purchased	122,821.6	1,629.1	89,713.3	76,993.2
Increase in loans originated, net of principal collections	(1,428,007.7)	(18,941.6)	(1,610,724.3)	(1,440,601.9)
Additions to property and equipment	(18,294.3)	(242.7)	(16,355)	(9,181.5)
Proceeds from sale or disposal of property and equipment	182.4	2.4	212.3	95.1
Activity in equity securities, net	(157.9)	(2.1)	(2,821.4)	4.7
Net cash used in investing activities	(2,150,488.4)	(28,524.9)	(1,536,982.8)	(2,048,325.7)
Cash flows from financing activities:
Net increase in deposits	2,213,972.5	29,366.9	1,331,850.9	1,447,097
Net increase (decrease) in short-term borrowings	(277,587.3)	(3,682)	(127,707.1)	456,558.6
Purchase of subsidiary shares from noncontrolling interest	0	0	0	(143.3)
Proceeds from issue of shares by a subsidiary to noncontrolling interests	466.8	6.2	459.8	366.5
Proceeds from issuance of long-term debt	272,104.7	3,609.3	320,093.6	425,517.1
Repayment of long-term debt	(315,209.6)	(4,181.1)	(224,084.5)	(225,150.2)
Proceeds from issuance of equity shares for options exercised	18,486.8	245.2	22,008.2	27,259.1
Proceeds from issuance of equity shares (net of issuance cost)			235,896.2	0
Payment of dividends and dividend tax	(66,447.3)	(881.4)	(41,015.2)	(34,490.3)
Net cash provided by financing activities	1,845,786.6	24,483.1	1,517,501.9	2,097,014.5
Effect of exchange rate changes on cash and due from banks, and restricted cash	10,610.5	140.8	(3,069.7)	479.4
Net change in cash and due from banks, and restricted cash	(122,911.6)	(1,630.3)	160,721.6	143,442.4
Cash and due from banks, and restricted cash, beginning of year	734,872.6	9,747.6	574,151	430,708.6
Cash and due from banks, and restricted cash, end of year	611,961	8,117.3	734,872.6	574,151
Supplementary cash flow information:
Interest paid	617,749.1	8,194	520,351.2	399,287.9
Income taxes paid, net of refunds	104,013.4	1,379.7	119,365	100,089.3
Non-cash investment activities
Payable for purchase of property and equipment	1,232.7	16.4	1,323.7	1,064.5
Trade date sale receivable of available for sale debt securities	₨ 32,730.8	$ 434.2	₨ 0	₨ 0

CONSOLIDATED STATEMENTS OF SHAR

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY ₨ in Millions, $ in Millions	INR (₨)shares	USD ($)shares	Revision of Prior Period, Change in Accounting Principle, Adjustment [Member]INR (₨)	[2]	Equity SharesINR (₨)shares	Equity SharesUSD ($)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 (₨)	[2]	Statutory ReserveINR (₨)	[1]	Statutory ReserveUSD ($)	[1]	Accumulated Other Comprehensive Income (Loss)INR (₨)	Accumulated Other Comprehensive Income (Loss)USD ($)	Accumulated Other Comprehensive Income (Loss)Revision of Prior Period, Change in Accounting Principle, Adjustment [Member]INR (₨)	[2]	Total HDFC Bank Limited Shareholders' EquityINR (₨)	Total HDFC Bank Limited Shareholders' EquityUSD ($)	Total HDFC Bank Limited Shareholders' EquityRevision of Prior Period, Change in Accounting Principle, Adjustment [Member]INR (₨)	[2]	Noncontrolling InterestINR (₨)	Noncontrolling InterestUSD ($)
Balance at Mar. 31, 2017	₨ 1,027,901.1				₨ 5,125.1		₨ 442,721.8		₨ 364,471.9				₨ 187,703.2				₨ 26,031.6				₨ 1,026,053.6				₨ 1,847.5
Balance at Mar. 31, 2017 \| shares					5,125,091,434	5,125,091,434
Shares issued upon exercise of options	27,259.1				₨ 65.1		27,194														27,259.1
Shares issued upon exercise of options (in shares) \| shares					65,089,100	65,089,100
Share-based compensation	6,594.6						6,594.6														6,594.6
Dividends, including dividend tax	(34,490.3)								(34,490.3)												(34,490.3)
Change in ownership interest in subsidiary	(143.3)						60														60				(203.3)
Shares issued to noncontrolling interest	366.5																				0				366.5
Transfer to statutory reserve	0								(45,620.3)				45,620.3								0
Net income	178,833.9								178,514.9												178,514.9				319
Net change in accumulated other comprehensive income	(29,828.3)																(29,828.3)				(29,828.3)
Balance at Mar. 31, 2018	1,176,493.3		₨ 0		₨ 5,190.2		476,570.4		462,876.2		₨ 268		233,323.5				(3,796.7)		₨ (268)		1,174,163.6		₨ 0		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			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																								466.8
Transfer to statutory reserve	0								(67,717.2)				67,717.2
Net income	260,364	$ 3,453.7							260,269.9												260,269.9				94.1
Net change in accumulated other comprehensive income	40,522.8	537.5															40,522.8				40,522.8
Balance at Mar. 31, 2020	₨ 1,896,493.8	$ 25,155.7			₨ 5,483.3	$ 72.7	₨ 765,888.6	$ 10,159	₨ 713,340.6	$ 9,462			₨ 356,038.3		$ 4,722.6		₨ 52,331.6	$ 694.1			₨ 1,893,082.4	$ 25,110.4			₨ 3,411.4	$ 45.3
Balance at Mar. 31, 2020 \| shares	5,483,286,460	5,483,286,460			5,483,286,460	5,483,286,460

[1]	Under local regulations, the Bank is required to transfer 25% of its profit after tax (per Indian GAAP) to a non-distributable statutory reserve and to meet certain other conditions in order to pay dividends without prior RBI approval.
[2]	Effective April 1, 2018, the Bank adopted ASU 2016-01 “Financial Instruments—Overall (Subtopic 825-10)(see note 19)

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
Bank overview	Mar. 31, 2020
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 21.4% and 21.2% of the Bank’s equity as of March 31, 2019 and March 31, 2020, respectively. The remainder of the Bank’s equity is widely held by the public and by foreign and Indian institutional investors. By way of the Bank’s equity shares to reduce the face value of each equity share from Rs. to Rs. per equity share effective as of September 20, 2019. The number of issued and subscribed equity shares increased to shares of par value Rs. each. All share/ADS and per share/ADS data reflect the effect of the stock split retroactively. One ADS continues to represent three equity 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
Summary of significant accounting policies	Mar. 31, 2020
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 revenue, other. The Bank consolidates Variable Interest Entities (VIEs) where the Bank is determined to be the primary beneficiary (see note 2j). All significant inter-company balances and transactions are eliminated on consolidation. b. Basis of presentation These financial statements have been prepared in accordance with the accounting principles generally accepted in the United States of America (“US GAAP”). US GAAP differs in certain material respects from accounting principles generally accepted in India, the requirements of India’s Banking Regulation Act 1949 and related regulations issued by the Reserve Bank of India (“RBI”) (collectively “Indian GAAP”), which form the basis of the statutory general purpose financial statements of the Bank in India. Principal differences, insofar as they relate to the Bank, include: determination of the allowance for credit losses, classification and valuation of investments, accounting for deferred 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, other than temporary impairment, 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 short-term debentures issued by the same customers with whom the Bank has a lending relationship in its wholesale banking business. Investment decisions for credit substitute securities are subject to the same credit approval processes as for loans, and the Bank bears the same customer credit risk as it does for loans extended to those customers. Additionally, the yield and maturity terms are generally directly negotiated by the Bank with the issuer. As the Bank’s exposures to such securities are similar to its exposures on its loan portfolio, additional disclosures have been provided on impairment status in note 7 and on concentrations of credit risk in note 11. All other securities including mortgage and asset-backed securities are actively managed as part of the Bank’s treasury operations. The issuers of such securities are either government, public financial institutions or private issuers. These investments are typically purchased from the market, and debt securities are generally publicly rated. Securities that are held principally for resale in the near term are classified as held for trading (“HFT”) and are carried at fair value, with changes in fair value recorded in net income. Debt securities that management has the positive intent and ability to hold to maturity are classified as held to maturity (“HTM”) and are carried at amortized cost. All debt securities that are not classified as HTM or HFT are classified as available for sale debt securities (“AFS”) and are carried at fair value. Unrealized gains and losses on such securities, net of applicable taxes, are reported in accumulated other comprehensive income (loss), a separate component of shareholders’ equity. Up to March 31, 2018, equity securities with readily determinable fair values that were not classified as HFT were classified as available for sale and were carried at fair value. Unrealized gains and losses on such securities, net of applicable taxes, were reported in accumulated other comprehensive income (loss), a separate component of shareholders’ equity. Dividend income on such securities was included in Interest and dividend revenue- available for sale debt securities. Non-marketable equity securities were carried at cost. The Bank adopted ASU 2016-01 and ASU 2018-03 with effect from April 1, 2018. The available-for-sale category was eliminated for equity securities which were reclassified to other assets. This resulted in a cumulative catch-up reclassification from AOCI to retained earnings (see note 14). Marketable securities are measured at fair value, change in fair value recorded in earnings. Non- marketable equity securities under the measurement alternative are carried at cost plus or minus changes resulting from observable price changes in orderly transactions for the identical or a similar investment of the same issuer and impairment, if any. The Bank’s review for impairment for equity method, cost method and measurement alternative securities typically includes an analysis of the facts and circumstances of each security, the intent or requirement to sell the security, and the expectations of cash flows. Fair values are based on market quotations where a market quotation is available or otherwise based on present values at current interest rates for such investments. Transfers between categories are recorded at fair value on the date of the transfer. g. Impairment of debt securities Declines in the fair values of held to maturity and available for sale debt securities below their carrying value that are other than temporary are reflected in net income as other than temporary impairment losses, based on management’s best estimate of the fair value of the investment. The Bank conducts a review each year to identify other than temporary declines based on an evaluation of all significant factors. The Bank’s review of impairment generally entails identification and evaluation of investments that have indications of possible impairment, analysis of evidential matter, including an evaluation of factors or triggers that would or could cause individual investments to have other than temporary impairment and documentation of the results of these analysis, as required under business policies. Estimates of any declines in the fair values of credit substitute securities that are other than temporary are measured on a case-by-case basis together with loans to those customers. The Bank does not recognize an impairment for debt securities if the cause of the decline is related solely to interest rate increase and the Bank does not intend to sell the security and it is not more likely than not that the Bank will be required to sell the security before recovery of its amortized cost basis h. Loans The Bank grants retail and wholesale loans to customers. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at their outstanding unpaid principal balances adjusted for an allowance for credit losses. 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” status when interest or principal payments are past due for a specified period, at which time no further interest is accrued and overdue interest is written off against interest income. Interest income and principal payments on loans placed on non-accrual status is recognized when received. Loans are returned to accrual status when all principal and interest amounts contractually due are brought current and future payments are reasonably assured. Loans are generally placed on “non-accrual” status when interest or principal payments are three months past due or if they are considered impaired when, based on current information and events, it is probable that the Bank will be unable to collect scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. i. Allowance for credit losses The Bank provides an allowance for credit losses based on management’s best estimate of losses inherent in the loan portfolio which includes troubled debt restructuring. The allowance for credit losses consists of allowances for retail loans and wholesale loans. Retail The Bank’s retail loan loss allowance consists of specific allowance and allowance for loans collectively evaluated for impairment (termed as “unallocated allowance”). The Bank establishes a specific allowance on the retail loan portfolio based on factors such as the nature of the product, delinquency levels or the number of days the loan is past due and the nature of the security available. Additionally, the Bank monitors loan to value ratios for loan against securities. The loans are charged off against allowances typically when the account becomes 150 to 1,083 Subsequent recoveries, if any, against write-off cases, are adjusted to allowance for credit losses in the consolidated statement of income. The Bank also records unallocated allowances for its retail loans by product type. The Bank’s retail loan portfolio is comprised of groups of large numbers of small value homogeneous loans. The Bank establishes an unallocated allowance for loans in each product group based on its estimate of the overall portfolio quality, asset growth, economic conditions and other risk factors. The Bank estimates its unallocated allowance for retail loans based on its probability of default and loss given default, determined for the respective risk pools. Wholesale The allowance for wholesale loans consists of specific and unallocated components. The allowance for such credit losses is evaluated on a regular basis by management and is based upon management’s view of the probability of recovery of loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, the estimated value of any underlying collateral, factors affecting the industry which the loan exposure relates to and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. Loans are charged off against the allowance when management believes that the loan balance may not be recovered. Subsequent recoveries, if any, against write-off cases, are adjusted to allowance for credit losses in the consolidated statement of income. The Bank grades its wholesale loan accounts considering both qualitative and quantitative criteria. Wholesale loans are considered impaired when, based on current information and events, it is probable that the Bank will be unable to collect scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, the financial condition of the borrower, the value of collateral held, and the probability of collecting scheduled principal and interest payments when due. The Bank establishes specific allowances for each impaired wholesale loan customer, in the aggregate, for all facilities, including term loans, cash credits, bills discounted and lease finance, based on either the present value of expected future cash flows discounted at the loan’s effective interest rate or the net realizable value of the collateral if the loan is collateral dependent. Collateral values are generally based on appraisals from internal and external valuation sources. Wholesale loans that experience insignificant payment delays and payment shortfalls are generally not classified as impaired but are placed on a surveillance watch list and closely monitored for deterioration. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, market information, and the amount of the shortfall in relation to the principal and interest owed. These factors are considered by the Bank for selection of loans for credit reviews and assessment of impairment. The Bank has 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. 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 (Topic 842)”. The Bank applied Topic 842 using the modified retrospective method. As a result, comparative information has not been adjusted and continues to be reported under ASC 840. As of April 1, 2019, the date of the Bank’s initial application of ASC 842, the Bank recognized its lease liabilities measured as the present value of lease payments not yet paid, discounted using the incremental borrowing rate as at the date of initial application. The right-of-use asset as of the date of the initial application includes an initial measurement of the lease liabilities adjusted for accrued lease payments as of date of initial application. 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 assets and lease liabilities at the lease commencement date. Right-of-use assets are reported in other assets on the Consolidated Balance Sheets, and the related lease liabilities are reported in accrued expenses and other liabilities. The Bank has elected not to record right-of-use assets for short-term-leases that have a lease term of 12 months or less and thus, all leases with a lease term exceeding 12 months are recorded on the consolidated balance sheet. Lease expense is recognized on a straight-line basis over the lease term and is recorded in non-interest expense- premises and equipment in the consolidated statements of income. The Bank made an accounting policy decision not to separate lease and non-lease components of a contract that is or contains a lease. At the lease commencement, lease liabilities are recognized based on the present value of the remaining lease payments and discounted using the incremental borrowing rate as at the date of the lease commencement. Right-of-use assets initially equal the lease liabilities, adjusted for any lease payments made prior to lease commencement and for any lease incentives. 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 model: 1) a tax position must be more-likely-than-not to be sustained based on its technical merits in order to be recognized, and 2) the benefit is measured as the largest amount of that position that is greater than 50 percent likely of being realized upon settlement. The difference between the benefit recognized for a position in accordance with this model and the tax benefit claimed on a tax return is referred to as an unrecognized tax benefit. The Bank’s policy is to include interest income, interest expense and penalties on overpayments and underpayment of income taxes within income tax expense in the consolidated statement of income. Interest income on overpayments of income taxes is recognized when the related matter is resolved. The Bank 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 status, where it is recognized when received. 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 rates for assets and liabilities and at average rates for operations. The resulting unrealized gains or losses are reported as a component of accumulated other comprehensive income (OCI). 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 22. 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 29. 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 26. 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 and liabilities is recognized as goodwill. 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. This analysis is a two-step process. The first step of the goodwill impairment test compares the fair value of the reporting unit with its carrying amount, including goodwill. If the fair value of the reporting unit exceeds its carrying amount, then the goodwill of the reporting unit is considered not impaired; however, if the carrying amount of the reporting unit exceeds its fair value, the second step is to be performed. The second step involves calculating an implied fair value of goodwill for each reporting unit for which the first step indicated possible impairment. The implied fair value of goodwill is determined in the same manner as the amount of goodwill recognized in a business combination, which is the excess of the fair value of the reporting unit, as determined in the first step, over the aggregate fair values of the individual assets, liabilities and identifiable intangibles as if the reporting unit was being acquired in a business combination. The adjustments to measure the assets, liabilities and intangibles at fair value are for the purpose of measuring the implied fair value of goodwill and such adjustments are not reflected in the consolidated balance sheet. If the implied fair value of goodwill exceeds the goodwill assigned to the reporting unit, there is no impairment. If the goodwill assigned to a reporting unit exceeds the implied fair value of the goodwill, an impairment charge is recorded for the excess. An impairment loss recognized cannot exceed the amount of goodwill assigned to a reporting unit, and the loss establishes a new basis in the goodwill. Subsequent reversal of goodwill impairment losses is not permitted. x. Recently adopted accounting standards In February 2016, the FASB issued ASU 2016-02 “Leases (Topic 842)”. The update generally requires recognition of lease assets and lease liabilities on the balance sheet and disclosure of key information about leasing arrangements. In particular, the guidance requires a lessee, of operating or finance leases, to recognize on the balance sheet a liability to make lease payments and a right-of-use asset representing its right to use the underlying asset for the lease term. However, for leases with lease term of 12 months or less, a lessee is permitted to make an accounting policy election not to recognize lease assets and lease liabilities. Previously, a lessee was not required to recognize lease assets and lease liabilities arising from operating leases. Lessor accounting is largely unchanged. The Bank adopted the FASB guidance effective April 1, 2019. To transition to the new guidance, the Bank elected several available practical expedients, including not to reassess the classification of its existing leases, any initial direct costs associated with the leases, or whether any existing contracts are or contain leases. In addition, the Bank elected not to provide a comparative presentation for fiscal 2019 and 2018. At adoption, the Bank recognized a lease liability Rs. 53.0 x. Recently issued accounting pronouncements not yet effective In June 2016, the FASB issued ASU 2016-13 “Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments”. The ASU introduces a new accounting model, the Current Expected Credit Losses model (“CECL”), which requires earlier recognition of credit losses, while also providing transparency about credit risk. The CECL model utilizes a lifetime “expected credit loss” measurement objective for the recognition of credit losses for loans, held to maturity securities and other receivables at the time the financial asset is originated or acquired. The expected credit losses are required to be adjusted each period for changes in expected lifetime credit losses. The update requires use of judgment in determining the relevant information and estimation methods that are appropriate for measurement of expected credit losses which is to be based on relevant information about past events, historical experience, current conditions, and reasonab

Cash and due from banks, and re

Cash and due from banks, and restricted cash	12 Months Ended
Cash and due from banks, and restricted cash	Mar. 31, 2020
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 such The cash and due from banks, and restricted cash consist of restricted cash of Rs. 383,503.0 million and Rs. 361,409.5 million (US$ 4,793.9 million) as at March 31, 2019 and March 31, 2020, respectively.

Investments

Investments	12 Months Ended
Investments	Mar. 31, 2020
Held for Trading
Investments	4. Investments, held for trading The portfolio of trading securities as of March 31, 2019 and March 31, 2020 was as follows: As of March 31, 2019 Amortized Cost Gross Unrealized Gross Unrealized Fair Value (In millions) Government of India securities Rs. 134,084.9 Rs. 163.2 Rs. 0.1 Rs. 134,248.0 Other corporate/financial institution securities 33,990.6 15.8 1.1 34,005.3 Total debt securities Rs. 168,075.5 Rs. 179.0 Rs. 1.2 Rs. 168,253.3 Other securities (including mutual fund units) 96,935.6 327.2 — 97,262.8 Total Rs. 265,011.1 Rs. 506.2 Rs. 1.2 Rs. 265,516.1 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 Total US$ 4,036.5 US$ 9.3 US$ 0.7 US$ 4,045.1
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, 2019 and March 31, 2020 was as follows: As of March 31, 2019 Amortized Cost Gross Unrealized Gross Unrealized Fair Value (In millions) Government of India securities Rs. 2,147,934.6 Rs. 21,881.4 Rs. 9,834.9 Rs. 2,159,981.1 State government securities 144,633.7 4,864.6 475.7 149,022.6 Government securities outside India 7,201.6 3.3 — 7,204.9 Credit substitutes (see note 7) 273,550.7 899.9 1,563.8 272,886.8 Other corporate/financial institution bonds 3,925.0 30.9 6.3 3,949.6 Debt securities, other than asset and mortgage-backed securities 2,577,245.6 27,680.1 11,880.7 2,593,045.0 Mortgage-backed securities 56.3 1.0 0.4 56.9 Asset-backed securities 38,827.1 165.0 122.2 38,869.9 Other securities (including mutual fund units) (1) 1,376.3 0.3 — 1,376.6 Total Rs. 2,617,505.3 Rs. 27,846.4 Rs. 12,003.3 Rs. 2,633,348.4 Securities with gross unrealized losses Rs. 799,718.5 Securities with gross unrealized gains 1,833,629.9 Rs. 2,633,348.4 (1) The Bank adopted ASU 2016-01 and ASU 2018-03 as of April 1, 2018, resulting in a cumulative effect adjustment from AOCI to retained earnings for net unrealized gains on marketable equity securities AFS. The available-for sale category was eliminated for equity securities amortized cost Rs. 855.6 million and carrying value Rs. 1,267.7 million effective April 1, 2018. 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 Total US$ 44,312.6 US$ 905.8 US$ 36.2 US$ 45,182.2 Securities with gross unrealized losses Rs. 300,932.1 Securities with gross unrealized gains 3,105,357.1 Rs. 3,406,289.2 US$ 45,182.2 AFS investments of Rs. 2,309,003.7 million and Rs. 2,876,996.4 million (US$ 38,161.5 million) as of March 31, 2019 and March 31, 2020, 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. 1,634,673.3 million as of March 31, 2019 and Rs. 1,760,859.1 million (US$ 23,356.7 million) as of March 31, 2020, 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. 149.1 million, Rs. 1,081.0 million and Rs. 9,109.0 million (USD 120.8 million) as other than temporary impairment in fiscal year 2018, 2019 and 2020, respectively, because the Bank intends to sell the securities before recovery of their amortized cost. The Bank is of the opinion that the other unrealized losses on its investments in debt securities as of March 31, 2020 are temporary in nature. As of March 31, 2019 and March 31, 2020, the Bank did not hold any debt securities with credit losses for which a portion of other-than-temporary impairment was recognized in other comprehensive income. The gross unrealized losses and fair value of available for sale debt securities at March 31, 2019 was as follows: As of March 31, 2019 Less Than 12 Months 12 Months or Greater Total Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized (In millions) Government of India securities Rs. — Rs. — Rs. 568,759.0 Rs. 9,834.9 Rs. 568,759.0 Rs. 9,834.9 State government securities — — 27,415.5 475.7 27,415.5 475.7 Government securities outside India — — — — — — Credit substitutes (see note 7) 17,996.3 88.1 165,700.5 1,475.7 183,696.8 1,563.8 Other corporate/financial institution bonds — — 2,117.6 6.3 2,117.6 6.3 Debt securities, other than asset and mortgage-backed securities 17,996.3 88.1 763,992.6 11,792.6 781,988.9 11,880.7 Mortgage-backed securities — — 45.7 0.4 45.7 0.4 Asset-backed securities 14,191.2 48.9 3,492.7 73.3 17,683.9 122.2 Other securities (including mutual fund units) — — — — — — Total Rs. 32,187.5 Rs. 137.0 Rs. 767,531.0 Rs. 11,866.3 Rs. 799,718.5 Rs. 12,003.3 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 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 Total US$ 1,627.1 US$ 14.7 US$ 2,364.5 US$ 21.5 US$ 3,991.6 US$ 36.2 The contractual residual maturity of available for sale debt securities other than asset and mortgage-backed securities as of March 31, 2020 is set out below: As of March 31, 2020 Amortized Cost Fair Value Fair Value (In millions) Within one year Rs. 1,112,389.9 Rs. 1,115,946.4 US$ 14,802.3 Over one year through five years 838,625.0 861,818.8 11,431.5 Over five years through ten years 916,798.3 946,302.3 12,552.1 Over ten years 345,526.5 353,232.1 4,685.4 Total Rs. 3,213,339.7 Rs. 3,277,299.6 US$ 43,471.3 The contractual residual maturity of available for sale mortgage-backed and asset-backed debt securities as of March 31, 2020 is set out below: As of March 31, 2020 Amortized Cost Fair Value Fair Value (In millions) Within one year Rs. 47,973.3 Rs. 48,473.5 US$ 643.0 Over one year through five years 75,458.2 76,412.3 1,013.6 Over five years through ten years 1,576.5 1,621.6 21.5 Over ten years 960.5 1,057.9 14.0 Total Rs. 125,968.5 Rs. 127,565.3 US$ 1,692.1 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, 2018 2019 2020 2020 (In millions) Gross realized gains on sale Rs. 11,433.8 Rs. 3,788.1 Rs. 26,128.1 US$ 346.6 Gross realized losses on sale (580.6 ) (1,192.1 ) (301.9 ) (4.0 ) Realized gains (losses), net 10,853.2 2,596.0 25,826.2 342.6 Dividends and interest 158,209.2 190,992.5 198,383.2 2,631.4 Total Rs. 169,062.4 Rs. 193,588.5 Rs. 224,209.4 US$ 2,974.0
Held-to-maturity Securities
Investments	6. Investments, held to maturity There were no HTM securities as of March 31, 2019 and March 31, 2020.

Credit substitutes

Credit substitutes	12 Months Ended
Credit substitutes	Mar. 31, 2020
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, 2019 and March 31, 2020 were as follows: As of March 31, 2019 2020 Amortized Cost Fair Value Amortized Cost Fair Value (In millions) Available for sale credit substitute debt securities: Debentures Rs. 247,869.1 Rs. 247,152.5 Rs. 236,717.2 Rs. 237,980.3 Commercial paper 25,681.6 25,734.3 124,024.3 124,393.4 Total Rs. 273,550.7 Rs. 272,886.8 Rs. 360,741.5 Rs. 362,373.7 US$ 4,785.0 US$ 4,806.7 The fair values of credit substitutes by the Bank’s internal credit quality indicators and amounts provided for other than temporary impairments is as follows: As of March 31, 2019 2020 2020 (In millions) Pass Rs.272,886.8 Rs.362,373.7 US$ 4,806.7 Impaired—gross balance — — — Less: amounts provided for other than temporary impairments — — — Impaired credit substitutes, net — — — Total credit substitutes, net Rs.272,886.8 Rs.362,373.7 US$ 4,806.7 Impaired credit substitutes: As of March 31, 2019 2020 2020 (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, 2020, the Bank has no additional funds committed to borrowers whose credit substitutes were impaired.

Repurchase and resell agreement

Repurchase and resell agreements	12 Months Ended
Repurchase and resell agreements	Mar. 31, 2020
Repurchase and resell agreements	8. Repurchase and resell agreements Securities sold under agreements to repurchase (“repos”) and securities purchased under agreements to resell (“reverse repos”) generally do not constitute a sale for accounting purposes of the underlying securities, and so are treated as collateralized transactions. There were no such transactions accounted for as sales during the years ended March 31, 2018, March 31, 2019 and March 31, 2020. Interest paid or received on all repo and reverse repo transactions is recorded in Interest expense or Interest revenue at the contractually specified rate. a. Securities purchased under agreements to resell Securities purchased under agreements to resell are classified separately from investments and generally mature within 14 days of the transaction date. Such resell transactions are recorded at the amount of cash advanced on the transaction. Resell transactions outstanding as of March 31, 2019 and March 31, 2020 were Rs. 76,213.5 million and Rs. 250,000.0 million (US$ 3,316.1 million), respectively (see note 24). 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, 2019 and March 31, 2020 were Rs. 174,000.0 and Rs. 507,982.0 million (US$ 6,738.1 million), respectively. The Government of India securities are pledged as collateral (see note 24).

Loans

Loans	12 Months Ended
Loans	Mar. 31, 2020
Loans	9. Loans Loan balances include Rs. 780,869.5 million and Rs. 574,064.8 million (US$ 7,614.6 million) as of March 31, 2019 and March 31, 2020, respectively, which have been provided as collateral for borrowings and are therefore restricted. Loans by facility as of March 31, 2019 and March 31, 2020 were as follows: As of March 31, 2019 2020 2020 (In millions) Retail loans: Auto loans Rs. 951,744.2 Rs. 952,053.1 US$ 12,628.4 Personal loans/Credit cards 1,538,107.4 1,920,601.6 25,475.5 Retail business banking 1,478,317.8 1,658,770.3 22,002.5 Commercial vehicle and construction equipment finance 746,288.0 747,382.4 9,913.5 Housing loans 513,771.6 634,612.4 8,417.7 Other retail loans 1,009,674.6 1,127,380.6 14,954.0 Subtotal Rs. 6,237,903.6 Rs. 7,040,800.4 US$ 93,391.6 Wholesale loans Rs. 2,873,561.0 Rs. 3,583,055.2 US$ 47,527.0 Gross loans 9,111,464.6 10,623,855.6 140,918.6 Less: Allowance for credit losses 148,232.0 198,833.2 2,637.4 Total Rs. 8,963,232.6 Rs. 10,425,022.4 US$ 138,281.2 The maturity of gross loans as of March 31, 2020 is set out below: As of March 31, 2020 Wholesale loans Retail loans Total (In millions) Maturity profile of loans: Within one year Rs. 1,718,893.5 Rs. 2,140,034.9 Rs. 3,858,928.4 Over one year through five years 1,191,304.1 4,290,512.7 5,481,816.8 Over five years 672,857.6 610,252.8 1,283,110.4 Total gross loans Rs. 3,583,055.2 Rs. 7,040,800.4 Rs. 10,623,855.6 Total gross loans US$ 47,527.0 US$ 93,391.6 US$ 140,918.6 Gross loans analyzed by performance are as follows: As of March 31, 2019 2020 2020 (In millions) Performing Rs. 8,971,042.1 Rs. 10,466,428.7 US$ 138,830.5 Impaired 140,422.5 157,426.9 2,088.1 Total gross loans Rs. 9,111,464.6 Rs. 10,623,855.6 US$ 140,918.6 The following table provides details of age analysis of loans as of March 31, 2019 and March 31, 2020. As of March 31, 2019 31-90 days Impaired / Current 1,2 Total (In millions) Retail Loans Auto loans Rs. 4,807.0 Rs. 13,606.7 Rs. 933,330.5 Rs. 951,744.2 Personal loans/Credit card 11,520.2 15,781.5 1,510,805.7 1,538,107.4 Retail business banking 9,087.9 29,945.0 1,439,284.9 1,478,317.8 Commercial vehicle and construction equipment finance 9,225.0 11,254.9 725,808.1 746,288.0 Housing loans 784.9 2,157.1 510,829.6 513,771.6 Other retail 9,480.1 29,523.6 970,670.9 1,009,674.6 Wholesale loans 202.9 38,153.7 2,835,204.4 2,873,561.0 Total Rs. 45,108.0 Rs. 140,422.5 Rs. 8,925,934.1 Rs. 9,111,464.6 1) Loans up to 30 days past due are considered current 2) Includes crop related agricultural loans with days past due less than 366 as they are not considered as impaired Rs. 34.0 billion. As of March 31, 2020 31-90 days Impaired / Current 1,2 Total (In millions) Retail Loans Auto loans Rs. 4,049.3 Rs. 15,279.2 Rs. 932,724.6 Rs. 952,053.1 Personal loans/Credit card 16,819.3 14,481.7 1,889,300.6 1,920,601.6 Retail business banking 15,210.9 32,866.3 1,610,693.1 1,658,770.3 Commercial vehicle and construction equipment finance 17,679.2 22,992.2 706,711.0 747,382.4 Housing loans 3,330.9 2,921.3 628,360.2 634,612.4 Other retail 13,038.1 33,462.8 1,080,879.7 1,127,380.6 Wholesale loans 5,126.9 35,423.4 3,542,504.9 3,583,055.2 Total Rs. 75,254.6 Rs. 157,426.9 Rs. 10,391,174.1 Rs. 10,623,855.6 Total US$ 998.1 US$ 2,088.1 US$ 137,832.4 US$ 140,918.6 1) Loans up to 30 days past due are considered current 2) Includes crop related agricultural loans with days past due less than 366 as they are not considered as impaired Rs. 39.0 billion. The Bank has a credit risk mitigating/monitoring mechanism which is comprised of target market definitions, credit approval process, post-disbursement monitoring and remedial management procedures. For wholesale credit risk in addition to the credit approval process the Bank has an approved framework for the review and approval of credit ratings. Credit Policies and Procedures articulate credit risk strategy and thereby the approach for credit origination, approval and maintenance. The Credit Policies generally address such areas as target markets, portfolio mix, prudential exposure ceilings, concentration limits, price and non-price terms, structure of limits, approval authorities, exception reporting system, prudential accounting and provisioning norms. These are reviewed in detail at annual or more frequent intervals. To ensure adequate diversification of risk, concentration limits have been set up in terms of borrower/business group, industry and risk grading. For retail credit, the policy and approval processes are designed for the fact that the Bank has high volumes of relatively homogeneous, small value transactions in retail loans. There are product programs for each of these products, which define the target markets, credit philosophy and process, detailed underwriting criteria for evaluating individual credits, exception reporting systems and individual loan exposure caps. The quantitative parameters considered include income, residence stability, the nature of the employment/business, while the qualitative parameters include accessibility, contractibility and profile. The credit policies/product programs are based on a statistical analysis of the Bank’s experience and industry data, in combination with the judgment of the Bank’s senior officers. The Bank mines data on its borrower account behavior as well as static data regularly to monitor the portfolio performance of each product segment and use these as inputs in revising the Bank’s product programs, target market definitions and credit assessment criteria to meet the Bank’s twin objectives of combining volume growth and maintenance of asset quality. As an integral part of the credit process, the Bank has a credit rating model appropriate to its wholesale and retail credit segments. 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, 2019 and March 31, 2020 is Rs. 514,756.0 and Rs. 644,672.4, respectively. Retail Loans Credit quality indicator based on payment activity as of March 31, 2019 and as of March 31, 2020 is given below: As of March 31, 2019 Auto loans Personal loans/ Retail business Commercial Housing loans Other retail Total (In millions) Performing Rs. 938,137.5 Rs. 1,522,325.9 Rs. 1,448,372.8 Rs. 735,033.1 Rs. 511,614.5 Rs. 980,151.0 Rs. 6,135,634.8 Impaired 13,606.7 15,781.5 29,945.0 11,254.9 2,157.1 29,523.6 102,268.8 Total Rs. 951,744.2 Rs. 1,538,107.4 Rs. 1,478,317.8 Rs. 746,288.0 Rs. 513,771.6 Rs. 1,009,674.6 Rs. 6,237,903.6 As of March 31, 2020 Auto loans Personal loans/ Retail business Commercial Housing loans Other retail Total (In millions) Performing Rs. 936,773.9 Rs. 1,906,119.9 Rs. 1,625,904.0 Rs. 724,390.2 Rs. 631,691.1 Rs. 1,093,917.8 Rs. 6,918,796.9 Impaired 15,279.2 14,481.7 32,866.3 22,992.2 2,921.3 33,462.8 122,003.5 Total Rs. 952,053.1 Rs. 1,920,601.6 Rs. 1,658,770.3 Rs. 747,382.4 Rs. 634,612.4 Rs. 1,127,380.6 Rs. 7,040,800.4 Total US$ 12,628.4 US$ 25,475.5 US$ 22,002.5 US$ 9,913.5 US$ 8,417.7 US$ 14,954.0 US$ 93,391.6 Wholesale Loans The Bank has in place a process of grading each borrower according to its financial health and the performance of its business and each borrower is graded as pass/labeled/impaired. Wholesale loans that are not impaired are disclosed as pass or labeled and considered to be performing. Labeled loans are those with evidence of weakness where such exposures indicate deteriorating trends which if not corrected could adversely impact repayment of the obligations. The Bank’s model assesses the overall risk over four major categories – industry risk, business risk, management risk and financial risk. The inputs in each of the categories are combined to provide an aggregate numerical rating, which is a function of the aggregate weighted scores based on the assessment under each of these four risk categories. As of March 31, 2019 2020 2020 (In millions) Credit quality indicators-Internally assigned grade Pass Rs. 2,834,466.7 Rs. 3,524,290.5 US$ 46,747.5 Labeled 940.6 23,341.3 309.6 Impaired 38,153.7 35,423.4 469.9 Total Rs. 2,873,561.0 Rs. 3,583,055.2 US$ 47,527.0 Impaired loans are those for which the Bank believes that it is probable that it will not collect all amounts due according to the original contractual terms of the loans and includes troubled debt restructuring. The following table provides details of impaired loans as of March 31, 2019 and March 31, 2020. As of March 31, 2019 Recorded Unpaid Related Average recorded Finance receivable non-accrual (In millions) Retail Loans Auto loans Rs. 13,606.7 Rs. 13,606.7 Rs. 6,169.0 Rs. 11,120.6 Rs. 13,606.7 Personal loans/Credit card 15,781.5 15,781.5 9,694.0 12,966.2 15,781.5 Retail business banking 29,945.0 29,945.0 21,595.3 27,746.1 29,945.0 Commercial vehicle and construction equipment finance 11,254.9 11,254.9 6,544.8 9,111.5 11,254.9 Housing loans 2,157.1 2,157.1 1,105.2 2,028.3 2,157.1 Other retail 29,523.6 29,523.6 20,441.5 26,114.0 29,523.6 Wholesale loans 38,153.7 38,153.7 20,233.2 35,483.3 38,153.7 Total Rs. 140,422.5 Rs. 140,422.5 Rs. 85,783.0 Rs. 124,570.0 Rs. 140,422.5 As of March 31, 2020 Recorded Unpaid Related Average recorded Finance receivable non-accrual (In millions) Retail Loans Auto loans Rs. 15,279.2 Rs. 15,279.2 Rs. 7,814.5 Rs. 14,443.0 Rs. 15,279.2 Personal loans/Credit card 14,481.7 14,481.7 8,535.1 15,131.6 14,481.7 Retail business banking 32,866.3 32,866.3 21,687.4 31,405.7 32,866.3 Commercial vehicle and construction equipment 22,992.2 22,992.2 11,607.3 17,123.6 22,992.2 Housing loans 2,921.3 2,921.3 1,414.7 2,539.2 2,921.3 Other retail 33,462.8 33,462.8 24,116.5 31,493.2 33,462.8 Wholesale loans 35,423.4 35,423.4 26,426.4 36,788.6 35,423.4 Total Rs. 157,426.9 Rs. 157,426.9 Rs. 101,601.9 Rs. 148,924.9 Rs. 157,426.9 Total US$ 2,088.1 US$ 2,088.1 US$ 1,347.7 US$ 1,975.4 US$ 2,088.1 Impaired loans by industry as of March 31, 2019 and March 31, 2020 are as follows: As of March 31, 2019 (In millions) Gross impaired loans by industry: —Consumer Loans Rs. 22,513.7 —Agriculture Production—Food 18,915.0 —Wholesale Trade- Non Industrial 15,856.7 —Food and Beverage 8,577.3 —Retail Trade 7,767.0 —Others (none greater than 5% of impaired loans) 66,792.8 Total Rs. 140,422.5 As of March 31, 2020 (In millions) Gross impaired loans by industry: —Agri Production—Food Rs. 22,546.3 US$ 299.1 —Consumer Loans 21,718.9 288.1 —Road Transportation 13,067.6 173.3 —Retail Trade 8,823.1 117.0 —Food and Beverage 8,137.5 107.9 —Others (none greater than 5% of impaired loans) 83,133.5 1,102.7 Total Rs. 157,426.9 US$ 2,088.1 Summary information relating to impaired loans during the fiscal year ended March 31, 2018, March 31, 2019 and March 31, 2020 is as follows: Fiscal year ended March 31, 2018 2019 2020 2020 (In millions) Average impaired loans, net of allowance Rs. 41,683.2 Rs. 50,378.2 Rs. 55,232.3 US$ 732.6 Interest income recognized on impaired loans Rs. 7,433.7 Rs. 6,994.7 Rs. 10,160.5 US$ 134.8 Allowance for credit losses as of March 31, 2018 are as follows: As of March 31, 2018 Specific Unallocated Retail Auto loans Personal Retail Commercial Housing Other Wholesale Retail Wholesale Total (In millions) Allowance for credit losses, Rs. 2,792.9 Rs. 4,040.0 Rs. 15,278.4 Rs. 4,398.5 Rs. 739.3 Rs. 6,767.5 Rs. 11,713.5 Rs. 28,110.6 Rs. 4,656.2 Rs. 78,496.9 Write-offs (6,826.4 ) (16,714.3 ) (5,730.0 ) (3,644.0 ) (61.5 ) (4,557.4 ) (444.7 ) — — (37,978.3 ) Net allowance for credit losses* 7,715.7 18,856.9 9,161.0 4,051.6 296.6 10,712.7 4,054.2 14,036.8 3,103.1 71,988.6 Allowance for credit losses, end Rs. 3,682.2 Rs. 6,182.6 Rs. 18,709.4 Rs. 4,806.1 Rs. 974.4 Rs. 12,922.8 Rs. 15,323.0 Rs. 42,147.4 Rs. 7,759.3 Rs. 112,507.2 Allowance for credit losses: Allowance individually Rs. — Rs. — Rs. — Rs. — Rs. — Rs. — Rs. 15,323.0 Rs. — Rs. — Rs. 15,323.0 Allowance collectively evaluated 3,682.2 6,182.6 18,709.4 4,806.1 974.4 12,922.8 — 42,147.4 7,759.3 97,184.2 Loans: Loans individually — — — — — — 32,812.8 — — 32,812.8 Loans collectively 8,634.5 10,150.9 25,547.2 6,968.1 1,899.5 22,704.3 — 5,137,460.1 2,130,001.6 7,343,366.2 * Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 12,590.8 million. Recoveries from r w Allowances for credit losses as of March 31, 2019 are as follows: As of March 31, 2019 Specific Unallocated Retail Auto loans Personal Retail Commercial Housing Other Wholesale Retail Wholesale Total (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-offs (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 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 cases amounting to Rs 16,777.1 million. Recoveries from r Allowances 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 Total (In millions) Allowance for Rs. 6,169.0 Rs. 9,694.0 Rs. 21,595.3 Rs. 6,544.8 Rs. 1,105.2 Rs. 20,441.5 Rs. 20,233.2 Rs. 52,941.1 Rs. 9,507.9 Rs. 148,232.0 US$ 1,966.2 Write-offs (11,524.3 ) (41,646.3 ) (9,379.0 ) (10,838.5 ) (130.3 ) (12,833.1 ) (6,328.1 ) — — (92,679.6 ) (1,229.3 ) Net allowance for credit losses* 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 1,900.5 Allowance for 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 US$ 2,637.4 Allowance for credit losses: Allowance individually evaluated for impairment Rs. — Rs. — Rs. — Rs. — Rs. — Rs. — Rs. 26,426.4 Rs. — Rs. — Rs. 26,426.4 US$ 350.5 Allowance collectively evaluated for impairment 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 2,286.9 Loans: Loans individually evaluated — — — — — — 35,423.4 — — 35,423.4 469.9 Loans collectively evaluated for impairment 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 10,588,432.2 140,448.8 * Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 25,658.9 million (US$ 340.3 million). Recoveries from r The unallocated allowance is assessed at each period end and the increase/(decrease), as the case may be is recorded in the income statement under allowance for credit losses net of recoveries against write-offs. There is no transfer of amounts to or from the unallocated category to the specific category. Troubled debt restructuring (TDR) When the Bank grants a concession, for economic or legal reasons related to a borrower’s financial difficulties, for other than an insignificant period of time, the related loan is classified as a TDR. Concessions could include a reduction in the interest rate below current market rates, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. Loans, for which the terms have been modified, and for which the borrower is experiencing financial difficulties, are considered TDRs. On restructuring, the loans are re-measured to reflect the impact, if any, on projected cash flows resulting from the modified terms. Modification may have little or no impact on the allowance established for the loan if there was no forgiveness of the principal and the interest was not decreased. A charge off may be recorded at the time of restructuring if a portion of the loan is deemed to be uncollectible. During fiscal 2020, the Bank implemented the package 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. These did not meet the conditions to be classified as TDR. The following table summarizes the Bank’s TDR modifications during the fiscal year ended March 31, 2019 and March 31, 2020 presented by primary modification type and includes the financial effects of these modifications.There was no TDR modification during fiscal year ended March 31, 2018. Fiscal year ended March 31, 2019 Carrying TDRs involving (1) TDRs involving (2) TDRs involving Balance of Net P&L (3) (In millions) Retail Loans: Retail business banking Rs. 17.9 Rs. — Rs. 17.9 Rs. — Rs. — Rs. 4.5 Commercial vehicle and construction equipment finance — — — — — — Wholesale loans — — — — — — Total (4) Rs. 17.9 Rs. — Rs. 17.9 Rs. — Rs. — Rs. 4.5 (1) TDRs involving changes in the amount of principal payment may include principal forgiveness or deferral of periodic and/or final principal payments. (2) TDRs involving changes in the amount of interest payments may involve a reduction in interest rate. (3) Balances reflect charge-offs and/or allowance for credit losses and/or income not recognized/deferred. (4) TDR modification during the year ended March 31, 2019 comprised of one case. Fiscal year ended March 31, 2020 Carrying TDRs involving (1) TDRs involving (2) TDRs involving Balance of Net P&L (3) (In millions) Retail Loans: Retail business banking Rs. 964.1 Rs. — Rs. 964.1 Rs. — Rs. — Rs. 43.1 Commercial vehicle and construction equipment — — — — — — Wholesale loans — — — — — — Total (4) Rs. 964.1 Rs. — Rs. 964.1 Rs. — Rs. — Rs. 43.1 Total (4) US$ 12.8 US$ — US$ 12.8 US$ — US$ — US$ 0.6 (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 s The table below summarizes TDRs that have defaulted in the current period within 12 months of their modification date. The defaulted TDRs are based on a payment default definition of 90 days past due. As of March 31, 2020 recorded investments (In millions) Retail loans: Retail business banking Rs. 17.9 Commercial vehicle and construction equipment finance — Wholesale loans — Total Rs. 17.9 Total US$ 0.2 Interest on loans by facility are as follows: Fiscal year ended March 31, 2018 2019 2020 2020 (In millions) Wholesale loans Rs. 152,124.6 Rs. 199,928.0 Rs. 245,504.7 US$ 3,256.5 Retail loans 515,334.1 627,755.0 736,290.1 9,766.4 Total Rs. 667,458.7 Rs. 827,683.0 Rs. 981,794.8 US$ 13,022.9

Sales_transfer of receivables

Sales/transfer of receivables	12 Months Ended
Sales/transfer of receivables	Mar. 31, 2020
Sales/transfer of receivables	10. Sales/transfer of receivables The following table summarizes the cash flows received during the years ended March 31, 2018, March 31, 2019 and March 31, 2020 from customers and paid to SPEs/transferees on securitized/ transferred performing loans: Fiscal year ended March 31, 2018 2019 2020 202 0 (In millions) Cash flow information Collections against securitized receivables/transfers Rs. 303.9 Rs. 233.5 Rs. 142.9 US$ 1.9 Payments made 301.8 237.7 139.3 1.8 Cash flows on retained interests Rs. 3.8 Rs. 2.1 Rs. 6.1 US$ 0.1 Other key disclosures are as follows: As of March 31, 2019 2020 2020 (In millions) Transferred receivables with continuing involvement Rs. 398.4 Rs. 301.1 US$ 4.0 Delinquencies 253.8 262.0 3.5 Credit losses 242.0 256.4 3.4 Retained interest in sold receivables 15.9 12.1 0.2 The table below outlines the economic assumptions and the sensitivity of the estimated fair value of retained interests in finance receivables as of March 31, 2019 and March 31, 2020 to immediate 10% and 20% changes in those assumptions: As of March 31, 2019 2020 2020 (In millions) Fair value of retained interests Annual prepayment rate: Impact of 10% adverse change Rs. 1.7 Rs. 1.3 US$ — Impact of 20% adverse change 3.3 2.5 — Expected credit losses: Impact of 10% adverse change 2.3 1.8 — Impact of 20% adverse change 4.5 3.6 — Weighted average life in years of the securitized receivables is not subject to change, except in the case of a change in the prepayment rate assumption. Consequently, the above sensitivity analysis does not include the impact on the estimated fair values of the retained interests due to an adverse change in the weighted average life in years and the discount rate. These sensitivities are hypothetical and should be used with appropriate caution. A 10% change in the assumptions may not result in proportionate changes in the fair values of retained interests. Adverse changes assumed in the above analysis and the resultant change in the fair values of retained interests are calculated independent of each other. In reality, any change in one factor may cause a change in the other factors.

Concentrations of credit risk

Concentrations of credit risk	12 Months Ended
Concentrations of credit risk	Mar. 31, 2020
Concentrations of credit risk	11. Concentrations of credit risk Concentrations of credit risk exist when changes in economic, industry or geographic factors similarly affect groups of counterparties whose aggregate credit exposure is material in relation to the Bank’s total credit exposure. The Bank manages its credit risk collectively for its loan portfolio and credit substitute securities as these instruments are invested in as part of an overall lending program for corporate customers; accordingly, information on concentrations of credit risk has been provided for these exposures together. In the case of wholesale loans, while the Bank generally lends on a cash-flow basis, it also requires collateral which consists of liens on inventory, receivables and other current assets, and in some cases, charges on fixed assets, such as property, movable assets (such as vehicles) and financial assets (such as marketable securities) from a large number of the Bank’s borrowers. The Bank’s retail loans are generally secured by a charge on the asset financed (vehicle loans, property loans and loans against gold and securities). Retail business banking loans are secured with current assets as well as immovable property and fixed assets in some cases. However, collateral securing each individual loan may not be adequate in relation to the value of the loan. If the customer fails to pay, the Bank would, as applicable, liquidate collateral and/or set off accounts. The maximum estimated loss that would be incurred under severe, hypothetical circumstances, for which the Bank believes the possibility is extremely remote, such as where the value of the Bank’s interests and any associated collateral declines to zero, without any consideration of recovery or offset is determined as the carrying values of the instruments as given in the below table. The Bank’s portfolio of loans, credit substitute securities and non-funded exposure (including derivatives) is broadly diversified along industry and product lines, and as of March 31, 2019 and March 31, 2020 the exposures are as set forth below. As of March 31, 2019 Category Gross loans Fair Values Of Non-funded Total % (In millions, except percentages) Consumer Loans Rs. 2,477,945.6 Rs. — Rs. 1,552.1 Rs. 2,479,497.7 23.5 Retail trade 445,757.8 1,170.7 15,051.6 461,980.1 4.4 NBFC/Financial Intermediaries 311,477.1 98,274.0 13,203.1 422,954.2 4.0 Automobile & Auto Ancillary 352,979.1 10,413.9 32,546.7 395,939.7 3.8 Road Transportation 376,547.1 — 9,808.2 386,355.3 3.7 Consumer Services 354,060.4 3,957.3 13,757.6 371,775.3 3.5 Agriculture Production — Food 330,092.5 — 728.8 330,821.3 3.1 Power 251,169.4 37,188.7 39,998.4 328,356.5 3.1 Telecom 246,272.4 21,288.6 26,245.9 293,806.9 2.8 Real Estate & Property Services 257,056.8 1,978.8 33,482.7 292,518.3 2.8 Engineering 159,462.7 1,557.3 120,816.0 281,836.0 2.7 Food & Beverage 233,798.9 — 15,325.7 249,124.6 2.4 Business Services 236,853.7 249.2 11,318.3 248,421.2 2.4 Iron & Steel 195,488.6 5,514.4 44,149.5 245,152.5 2.3 Coal & Petroleum Products 92,504.7 705.0 150,857.5 244,067.2 2.3 Wholesale Trade — Industrial 192,708.4 67.8 29,835.7 222,611.9 2.1 Textiles & Garments 187,527.5 4,436.1 26,803.8 218,767.4 2.1 Infrastructure Development 128,273.5 9,035.5 79,596.8 216,905.8 2.1 Wholesale Trade — Non Industrial 200,089.4 248.3 12,218.2 212,555.9 2.0 Others (none greater than 2%) 2,081,399.0 76,801.2 470,669.6 2,628,869.8 24.9 Total Rs. 9,111,464.6 Rs. 272,886.8 Rs. 1,147,966.2 Rs. 10,532,317.6 100.0 As of March 31, 2020 Category Gross loans Fair Values Of Non-funded Total Total % (In millions, except percentages) Consumer Loans Rs. 2,958,437.7 Rs. 2,756.6 Rs. 446.4 Rs. 2,961,640.7 US$ 39,284.3 24.3 Retail Trade 533,155.3 343.7 22,820.3 556,319.3 7,379.2 4.6 Power 458,628.1 48,997.7 41,445.6 549,071.4 7,283.1 4.5 Consumer Services 399,046.4 2,015.1 19,135.9 420,197.4 5,573.6 3.4 Engineering 240,196.0 12,255.3 144,296.9 396,748.2 5,262.6 3.2 NBFC 317,450.0 76,860.2 1,659.1 395,969.3 5,252.3 3.2 Road Transportation 376,334.2 495.3 10,849.7 387,679.2 5,142.3 3.2 Automobile & Auto Ancillary 330,632.5 18,397.9 33,037.0 382,067.4 5,067.9 3.1 Real Estate & Property Services 280,870.4 4,309.5 36,335.2 321,515.1 4,264.7 2.6 Agri Production — Food 313,143.6 — 833.3 313,976.9 4,164.7 2.6 Coal & Petroleum Products 136,531.9 33,834.9 115,440.2 285,807.0 3,791.0 2.3 Food and Beverage 260,907.9 1,391.3 21,853.6 284,152.8 3,769.1 2.3 Financial Institutions 219,417.5 59,118.8 2,058.7 280,595.0 3,721.9 2.3 Iron and Steel 231,524.9 1,144.7 45,235.4 277,905.0 3,686.2 2.3 Telecom 232,932.0 10,412.6 29,949.6 273,294.2 3,625.1 2.2 Infrastructure Development 165,578.8 2,457.1 104,731.8 272,767.7 3,618.1 2.2 Business Services 244,028.7 2,278.5 15,953.3 262,260.5 3,478.7 2.1 Wholesale Trade — Non 238,436.5 — 18,766.1 257,202.6 3,411.6 2.1 Wholesale Trade — Industrial 211,849.6 34.2 34,840.2 246,724.0 3,272.6 2.0 Others (none greater than 2%) 2,474,753.6 85,270.3 525,004.6 3,085,028.5 40,920.9 25.5 Total Rs. 10,623,855.6 Rs. 362,373.7 Rs. 1,224,692.9 Rs. 12,210,922.2 US$ 161,969.9 100.0 The Bank’s ten largest exposures as of March 31, 2019 and March 31, 2020, based on the higher of the outstanding balance or the limit on loans, investments (including credit substitutes) and non-funded exposures (including derivatives), are as follows: As of March 31, 2019 Funded Non-Funded Total (In millions) Borrower 1 Rs. 146,141.2 Rs. 6,457.1 Rs. 152,598.3 Borrower 2 27,488.9 115,089.5 142,578.4 Borrower 3 120,004.3 312.8 120,317.1 Borrower 4 92,271.4 1,200.0 93,471.4 Borrower 5 80,008.5 32.6 80,041.1 Borrower 6 57,604.0 14,843.9 72,447.9 Borrower 7 32,948.9 34,806.0 67,754.9 Borrower 8 51,283.8 15,163.0 66,446.8 Borrower 9 43,602.4 22,513.2 66,115.6 Borrower 10 30,559.1 26,347.9 56,907.0 As of March 31, 2020 Funded Non-Funded Total Total (In millions) Borrower 1 Rs. 243,382.8 Rs. 1,200.0 Rs. 244,582.8 US$ 3,244.2 Borrower 2 180,100.0 305.1 180,405.1 2,393.0 Borrower 3 163,738.7 610.9 164,349.6 2,180.0 Borrower 4 74,421.4 75,432.2 149,853.6 1,987.7 Borrower 5 135,455.0 — 135,455.0 1,796.7 Borrower 6 31,934.6 55,651.4 87,586.0 1,161.8 Borrower 7 63,228.0 15,355.2 78,583.2 1,042.4 Borrower 8 75,035.9 221.6 75,257.5 998.2 Borrower 9 75,027.7 182.8 75,210.5 997.6 Borrower 10 51,361.3 22,128.1 73,489.4 974.8

Property and equipment

Property and equipment	12 Months Ended
Property and equipment	Mar. 31, 2020
Property and equipment	12. Property and equipment Property and equipment by asset category is as follows: As of March 31, 2019 2020 2020 (In millions) Land and premises Rs. 18,836.5 Rs. 19,567.6 US$ 259.5 Software and systems 29,855.2 33,433.9 443.5 Equipment and furniture 73,601.8 82,179.1 1,090.1 Property and equipment, at cost 122,293.5 135,180.6 1,793.1 Less: Accumulated depreciation 79,105.7 86,852.9 1,152.1 Property and equipment, net Rs. 43,187.8 Rs. 48,327.7 US$ 641.0 Depreciation and amortization charged for the years ended March 31, 2018, March 31, 2019 and March 31, 2020 was Rs. 9,678.9 million, Rs. 12,247.8 million and Rs. 12,800.3 million (US$ 169.8 million), respectively.

Goodwill and other intangible a

Goodwill and other intangible assets	12 Months Ended
Goodwill and other intangible assets	Mar. 31, 2020
Goodwill and other intangible assets	13. Goodwill and other intangible assets Goodwill arising from a business combination is tested at least on an annual basis for impairment. There were no changes in the carrying amount of goodwill of Rs. 74,937.9 million (US$ 994.0 million) for the fiscal year ended March 31, 2019 and the year ended March 31, 2020. 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, 2019 and March 31, 2020 was nil. The aggregate amortization charged for the years ended March 31, 2018, March 31, 2019 and March 31, 2020 was Rs. 1.0 million, Rs. 1.0 million and nil, respectively.

Other assets

Other assets	12 Months Ended
Other assets	Mar. 31, 2020
Other assets	14. Other assets Other assets include the following: As of March 31, 2019 2020 2020 (In millions) Security deposits for leased property Rs. 5,112.9 Rs. 5,410.3 US$ 71.8 Sundry accounts receivable 49,465.6 55,379.5 734.6 Advance income tax (net of current tax expense) 18,785.7 25,140.7 333.5 Advances 4,213.1 7,639.3 101.3 Prepaid expenses 1,356.7 1,374.6 18.2 Deposits/Margins paid 8,319.8 15,226.9 202.0 Derivatives (refer to note 24) 132,524.1 190,537.6 2,527.4 Term placements 115,428.4 109,372.8 1,450.8 Receivable on account of trade date 4,890.7 221,960.9 2,944.1 Right-of-use assets — 60,756.9 805.9 Others * 55,636.0 44,552.6 590.9 Total Rs. 395,733.0 Rs. 737,352.1 US$ 9,780.5 * Effective April 1, 2018, the Bank adopted ASU 2016-01. The equity securities that were previously reported as AFS securities were reclassified to other assets with carrying value amounting to Rs. 1,267.7 million. Others include equity securities with carrying value amounting to Rs. 11,483.4 million and Rs. 11,611.2 million as at March 31, 2019 and March 31, 2020, respectively. Equity securities include non-marketable equity securities carried at cost Rs. 459.4 million and Rs. 696.9 million as at March 31, 2019 and March 31, 2020, respectively. Unrealized gain \ (loss) recognized in non-interest revenue–other, net Rs 6,717.5 million and Rs. (131.1) million for the fiscal year ended March 31, 2019 and March 31, 2020, respectively.

Deposits

Deposits	12 Months Ended
Deposits	Mar. 31, 2020
Deposits	15. Deposits Deposits include demand deposits, which are non-interest-bearing, and savings and time deposits, which are interest-bearing. Deposits as of March 31, 2019 and March 31, 2020 were as follows: As of March 31, 2019 2020 2020 (In millions) Interest-bearing: Savings deposits Rs. 2,487,001.6 Rs. 3,103,769.5 US$ 41,169.5 Time deposits 5,317,715.9 6,626,711.8 87,899.1 Total interest-bearing deposits 7,804,717.5 9,730,481.3 129,068.6 Non-interest-bearing deposits 1,420,309.4 1,731,590.0 22,968.4 Total Rs. 9,225,026.9 Rs. 11,462,071.3 US$ 152,037.0 As of March 31, 2019 and March 31, 2020, time deposits of Rs. 4,570,771.1 million and Rs. 5,233,225.0 million, respectively, had a residual maturity of one year or less. The remaining deposits mature between one As of March 31, 2019 and March 31, 2020, time deposits in excess of Rs. 0.1 As of March 31, 20 20 As of March 31, 2020 (In millions) Due to mature in the fiscal year ending March 31: 2021 Rs. 5,233,225.0 US$ 69,415.4 2022 992,908.7 13,170.3 2023 251,362.6 3,334.2 2024 66,752.1 885.4 2025 49,990.3 663.1 Thereafter 32,473.1 430.7 Total Rs. 6,626,711.8 US$ 87,899.1

Short-term borrowings

Short-term borrowings	12 Months Ended
Short-term borrowings	Mar. 31, 2020
Short-term borrowings	16. Short-term borrowings Short-term borrowings are mainly comprised of money market borrowings which are unsecured and are utilized As of March 31, 2019 2020 2020 (In millions) Borrowed in the call market Rs. 9,155.9 Rs. 11,339.8 US$ 150.4 Term borrowings from institutions/banks 363,921.2 73,737.9 978.1 Foreign currency borrowings 280,980.9 292,339.9 3,877.7 Total Rs. 654,058.0 Rs. 377,417.6 US$ 5,006.2 Total borrowings outstanding: Maximum amount outstanding Rs. 957,026.5 Rs. 971,364.0 US$ 12,884.5 Average amount outstanding Rs. 705,161.6 Rs. 493,786.9 US$ 6,549.8 Weighted average interest rate 5.3 % 3.2 % 3.2 %

Long-term debt

Long-term debt	12 Months Ended
Long-term debt	Mar. 31, 2020
Long-term debt	17. Long-term debt Long-term debt as of March 31, 2019 and March 31, 2020 comprised of the following: As of March 31, 2019 2020 2020 (In millions) Subordinated debt Rs. 211,320.0 Rs. 218,755.0 US$ 2,901.6 Others* 833,265.2 808,222.0 10,720.5 Less: Debt issuance cost (32.2 ) (458.7 ) (6.0 ) Total Rs. 1,044,553.0 Rs. 1,026,518.3 US$ 13,616.1 * Includes securities sold under repurchase agreements amounting to Rs. 17,260.0 million (USD 228.9 million a - The below table presents the balance of long-term debt as of March 31, 2019 and March 31, 2020 and the related contractual rates and maturity dates: As of, March 31, 2019 March 31, 2020 Maturity / Stated interest rates Total Maturity / Stated interest rates Total Total (In millions) Subordinated debt Subordinated debt (other than perpetual debt) 2021-2029 7.56% to 10.20% Rs. 128,315.8 2021-2030 7.56% to 10.20% Rs. 133,730.8 US$ 1,773.9 Perpetual debt 2023-2029 8.85% to 9.40% 82,997.9 2023-2030 8.84% to 9.70% 84,972.7 1,127.1 Others* Variable rate—(1) 2020-2022 3.30% to 3.88% 36,288.8 2021-2023 0.80% to 2.87% 59,018.7 782.8 Variable rate—(2) 2020-2024 8.25% to 10.05% 116,615.2 2021-2024 7.50% to 8.95% 118,083.8 1,566.3 Fixed rate—(1) 2020-2029 4.60% to 9.56% 680,335.3 2021-2030 4.15% to 9.56% 630,712.3 8,366.0 Total Rs. 1,044,553.0 Rs. 1,026,518.3 US$ 13,616.1 * 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. The scheduled maturities of long-term debt are set out below: As of March 31, 2020 (In millions) Due in the twelve months ending March 31: 2021 Rs. 223,540.8 US$ 2,965.1 2022 125,258.5 1,661.5 2023 192,835.2 2,557.8 2024 58,948.6 781.9 2025 60,797.6 806.4 Thereafter 280,164.9 3,716.2 Total (1) Rs. 941,545.6 US$ 12,488.9 (1) The scheduled maturities of long-term debt do not include perpetual bonds of Rs. 84,972.7 million (net of debt issuance cost). During the fiscal year ended March 31, 2020 the Bank issued subordinated debt amounting to Rs. 5,435.0 million (previous period Rs. 6,000.0 million) and perpetual debt amounting to Rs. 2,000.0 million (previous period Rs. 3,000.0 million). During the fiscal year ended March 31, 2020 the Bank also raised other long-term debt amounting to Rs. 264,669.7 million (previous period Rs. 311,093.6 million). As of March 31, 2019 and March 31, 2020, other long-term debt includes foreign currency borrowings from other banks aggregating to Rs. 36,305.9 million and Rs. 59,392.3 million, respectively, and functional currency borrowings aggregating to Rs. 796,959.3 million and Rs. 748,829.7 million, respectively.

Accrued expenses and other liab

Accrued expenses and other liabilities	12 Months Ended
Accrued expenses and other liabilities	Mar. 31, 2020
Accrued expenses and other liabilities	18. Accrued expenses and other liabilities Accrued expenses and oth e As of March 31, 2019 2020 2020 (In millions) Bills payable Rs. 70,404.0 Rs. 75,837.2 US$ 1,005.9 Remittances in transit 41,721.1 35,507.3 471.0 Accrued expenses 57,816.9 54,898.3 728.2 Accounts payable 88,212.9 103,386.2 1,371.4 Derivatives (refer to note 24) 128,449.0 184,783.0 2,451.0 Lease liabilities — 65,615.1 870.3 Others 80,834.7 91,300.1 1,211.0 Total Rs.467,438.6 Rs.611,327.2 US$ 8,108.8 The Bank amortizes annual fees on credit cards over the contractual period of the fees. The unamortized annual fees as of March 31, 2019 and March 31, 2020 was Rs. 538.8 million and Rs. 786.8 million (US$ 10.4 million), respectively.

Accumulated other comprehensive

Accumulated other comprehensive income	12 Months Ended
Accumulated other comprehensive income	Mar. 31, 2020
Accumulated other comprehensive income	19. Accumulated other comprehensive income The below table presents the changes in accumulated other comprehensive income (OCI) after income tax for the years ended March 31, 2019 and March 31, 2020. Available for Foreign currency Total (In millions) Balance, March 31, 2018 Rs. (4,467.3 ) Rs. 670.6 Rs. (3,796.7 ) Adjustment to Other Comprehensive Income (268.0 ) — (268.0 ) Net unrealized gain/(loss) arising during the 17,105.1 663.9 17,769.0 Amounts reclassified to income (1,895.5 ) — (1,895.5 ) Balance, March 31, 2019 Rs. 10,474.3 Rs. 1,334.5 Rs. 11,808.8 Balance, March 31, 2019 Rs. 10,474.3 Rs. 1,334.5 Rs. 11,808.8 Net unrealized gain/(loss) arising during the 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 US$ 652.9 US$ 41.2 US$ 694.1 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, 2019 and March 31, 2020. As of March 31, 2019 2020 2020 (In millions) Available for sale debt securities: Realized (gain)/loss on sales of available for sale debt securities, net Rs. (3,994.6 ) Rs. (22,671.3 ) US$ (300.7 ) Other than temporary impairment losses on available for sale debt securities 1,081.0 9,109.0 120.8 Total before income tax Rs. (2,913.6 ) Rs. (13,562.3 ) US$ (179.9 ) Income tax 1,018.1 4,739.2 62.9 Net of income tax Rs. (1,895.5 ) Rs. (8,823.1 ) US$ (117.0 )

Non-interest revenue

Non-interest revenue	12 Months Ended
Non-interest revenue	Mar. 31, 2020
Non-interest revenue	20. Non-interest revenue 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 The table below presents the fees and commissions disaggregated by revenue source for the fiscal years ended March 31, 2018, March 31, 2019 and March 31, 2020. Fiscal years ended March 31, 2018 2019 2020 2020 (In millions) Deposit related fees Rs. 22,424.9 Rs. 25,383.0 Rs. 29,031.9 US$ 385.1 Lending related fees 31,791.6 30,176.2 30,699.9 407.2 Third-party products related fees 20,908.1 22,000.4 28,169.6 373.7 Payments and cards business fees 34,551.4 47,012.4 58,899.3 781.3 Others 10,384.9 9,583.2 13,298.8 176.3 Fees and commissions Rs. 120,060.9 Rs. 134,155.2 Rs. 160,099.5 US$ 2,123.6 The table below presents the fees and commission disaggregated by segment for the fiscal years ended March 31, 2018, March 31, 2019 and March 31, 2020. Fiscal year ended March 31, 2018 2019 2020 2020 (In millions) Retail Banking Rs. 110,927.2 Rs. 123,070.6 Rs. 146,855.7 US$ 1,947.9 Wholesale Banking 8,985.0 10,839.6 13,041.6 173.0 Treasury Services 148.7 245.0 202.2 2.7 Fees and commissions Rs. 120,060.9 Rs. 134,155.2 Rs. 160,099.5 US$ 2,123.6

Income taxes

Income taxes	12 Months Ended
Income taxes	Mar. 31, 2020
Income taxes	21. Income taxes Income tax expense is comprised of the following: Fiscal year ended March 31, 2018 2019 2020 2020 (In millions) Current tax expense Rs. 108,676.0 Rs. 128,050.2 Rs. 105,587.8 US$ 1,400.6 Deferred tax (benefit) expense (10,403.5 ) (8,129.4 ) (101.2 ) (1.3 ) Interest on income tax refund — (527.3 ) (6.6 ) (0.2 ) Income tax expense Rs. 98,272.5 Rs. 119,393.5 Rs. 105,480.0 US$ 1,399.1 Income before income tax expense and income tax expense are substantially all from India. On December 12, 2019, the previously , . , The following is the reconciliation of income taxes at the Indian statutory income tax rate to income tax expense as reported: Fiscal year ended March 31, 2018 2019 2020 2020 (In millions) Income before income tax expense Rs. 277,106.4 Rs. 339,959.0 Rs. 365,844.0 US$ 4,852.8 Statutory income tax rate 34.61 % 34.94 % 25.17 % 25.17 % Expected income tax expense 95,901.0 118,795.3 92,075.6 1,221.3 Adjustments to reconcile expected income tax to actual tax expense Interest on income tax refund — (343.0 ) (4.9 ) (0.1 ) Stock-based compensation 2,282.3 1,867.2 1,881.6 25.0 Income exempt from taxes (524.8 ) (1,422.8 ) (744.2 ) (9.9 ) Effect of change in statutory income tax rate (209.2 ) — 11,213.2 148.7 Others, net 823.2 496.8 1,058.7 14.1 Income tax expense Rs. 98,272.5 Rs. 119,393.5 Rs. 105,480.0 US$ 1,399.1 The tax effects of significant temporary differences are as follows: As of March 31, 2019 2020 2020 (In millions) Tax effect of: Deductible temporary differences: Allowance for loan losses Rs. 39,604.8 Rs. 37,561.2 US$ 498.2 Lease liabilities — 16,514.0 219.0 Employee benefits 2,063.1 1,415.0 18.8 Accrued expenses and other liabilities 4,310.4 3,381.2 44.8 Others 1,874.4 1,769.4 23.5 Deferred tax asset 47,852.7 60,640.8 804.3 Taxable temporary differences: Right-of-use assets — 16,514.0 219.0 Unrealized gain on securities available for sale 5,680.2 16,644.6 220.8 Loan origination cost and fees 5,606.3 3,373.3 44.7 Investments, others 2,677.0 1,510.2 20.0 Deferred tax liability 13,963.5 38,042.1 504.5 Net deferred tax asset (liability) Rs. 33,889.2 Rs. 22,598.7 US$ 299.8 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, 2019 and March 31, 2020 is Rs. 14,448.1 million and Rs. 37,103.2 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 2018 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 b a Fiscal year ended March 31, 2019 2020 202 0 (In millions) Opening balance Rs. 648.3 Rs. 14,448.1 US$ 191.6 Increase related to prior year tax positions 13,799.8 16,274.4 215.9 Increase related to current year tax positions Rs. — Rs. 6,380.7 US$ 84.6 Closing balance Rs. 14,448.1 Rs. 37,103.2 US$ 492.1 The Bank’s total unrecognized tax benefits, if recognized, would reduce the income tax expense by Rs. 37,103.2 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
Stock-based compensation	Mar. 31, 2020
Stock-based compensation	22. 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 September 1, 2018, September 29, 2018 and February 2, 2019 the Nomination and Remuneration Committee of the Board approved, under Plan G, the grant of 38,238,000 options (Scheme XXIX), the grant of 880,000 options (Scheme XXX) and the grant of 672,000 options (Scheme XXXI), respectively, to the employees of the Bank. 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. Modification of employee stock option schemes During the periods ended March 31, 2018, March 31, 2019 and March 31, 2020, 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, 2018 2019 2020 Dividend yield 0.65%-0.66% 0.62%-0.65% 0.61%-0.85% Expected volatility 19.94%-21.65% 14.53%-18.68% 15.30%-20.13% Risk-free interest rate 6.73%-7.20% 7.23%-8.31% 5.81%-6.70% Expected term (in years) 4.66-6.06 2.78-5.16 2.82-5.42 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 2018 2019 2020 Options available to be granted, beginning of period 267,347,300 235,683,200 202,413,370 Equity shares allocated for grant under the plan — — — Options granted (33,764,100 ) (39,790,000 ) (47,773,600 ) Forfeited/lapsed 2,100,000 6,520,170 4,847,580 Options available to be granted, end of period 235,683,200 202,413,370 159,487,350 Activity in the options outstanding under the Employee Stock Option Scheme is as follows: Years ended March 31, 2018 2019 2020 Options Weighted Options Weighted Options Weighted Options outstanding, beginning of period 184,312,600 Rs. 452.48 150,887,600 Rs. 525.11 136,612,822 Rs. 682.99 Granted 33,764,100 716.61 39,790,000 1,030.24 47,773,600 1,220.13 Exercised (65,089,100 ) 418.80 (47,544,608 ) 462.89 (36,673,240 ) 504.10 Forfeited (1,973,600 ) 527.80 (6,410,770 ) 759.21 (4,813,580 ) 965.64 Lapsed (126,400 ) 481.72 (109,400 ) 418.55 (34,000 ) 568.10 Options outstanding, end of period 150,887,600 Rs. 525.11 136,612,822 Rs. 682.99 142,865,602 Rs. 899.03 Options exercisable, end of period 93,620,500 Rs. 450.72 80,609,722 Rs. 508.89 64,464,392 Rs. 638.18 Weighted average fair value of options granted during the year Rs. 232.09 Rs. 262.79 Rs. 305.78 The following summarizes information about stock options outstanding as of March 31, 2020: As of March 31, 2020 Plan Range of exercise price Number of Weighted Weighted Plan C Rs.340.00 to Rs.417.75 (or US$ 4.51 to US$ 5.54) 485,100 0.34 344.05 Plan D Rs.340.00 (or US$ 5.51) 345,900 0.30 340.00 Plan E Rs.340.00 (or US$ 5.51) 1,705,500 0.30 340.00 Plan F Rs.417.75 to Rs. 731.08 (or US$ 5.54 to US$ 9.70) 58,568,822 2.02 587.08 Plan G Rs.882.85 to Rs. 1,229.00 (or US$ 11.71 to US$ 16.30) 81,760,280 3.45 1,139.82 The intrinsic value, of options exercised during the years ended March 31, 2018, March 31, 2019 and March 31, 2020 at grant date was Rs. 28.8 million, nil and nil, respectively, and at exercise date was Rs. 34,123.2 million, Rs. 33,117.4 million and Rs. 13,339.6 million, respectively. The aggregate intrinsic value as of grant date and as at March 31, 2020 attributable to options which are outstanding as on March 31, 2020 was Rs. 0.5 million (previous year Rs. 0.6 million) and Rs. 17,418.0 million (previous year Rs. 65,091.1 million), respectively. The aggregate intrinsic value as at grant date and as at March 31, 2020 attributable to options exercisable as on March 31, 2020 was Rs. 0.4 million (previous year 0.2 million) and was Rs. 16,291.8 million (previous year Rs. 52,441.6 million), respectively. Total stock compensation cost recognized under these plans was Rs. 6,594.6 million, Rs. 5,343.3 million and Rs. 7,476.1 million during the years ended March 31, 2018, March 31, 2019 and March 31, 2020, respectively. As of March 31, 2020, there were 78,401,210 (previous year 56,003,100) unvested options with weighted average exercise price of Rs. 1,113.5 (previous year Rs. 933.6) and aggregate intrinsic value at grant date and as at March 31, 2020 was Rs. 0.2 million (previous year Rs. 0.3 million) and Rs.1,126.2 million (previous year Rs. 12,649.5 million), respectively. As at March 31, 2020, the total estimated compensation cost to be recognized in future periods was Rs.13,294.0 million (previous year Rs. 7,065.9 million). This is expected to be recognized over a weighted average period of 1.21 years.

Retirement benefits

Retirement benefits	12 Months Ended
Retirement benefits	Mar. 31, 2020
Retirement benefits	23. Retirement benefits Gratuity In accordance with Indian law, the Bank provides for gratuity, a defined benefit retirement plan, covering eligible employees. The plan provides for lump sum payments to vested employees at retirement, resignation, death while in employment or on termination of employment in an amount equivalent to 15 days’ eligible salary payable for each completed year of service. Vesting occurs upon completion of five years of service. The Bank makes annual contributions to funds administered by trustees and managed by insurance companies for amounts notified by said insurance companies, and in respect of certain employees, the Bank makes contributions to a fund set up for the purpose and administered by the board of trustees. The contributions are invested in specific designated instruments as permitted by Indian law. The Bank accounts for the liability for future gratuity benefits using the projected unit cost method based on an actuarial valuation done on March 31 of every year. The following table sets out the funded status of the gratuity plan and the amounts recognized in the Bank’s financial statements as of March 31, 2019 and March 31, 2020: As of March 31, 2019 2020 2020 (In millions) Change in benefit obligations: Projected benefit obligation (“PBO”), beginning of the period Rs. 5,975.5 Rs. 6,653.5 US$ 88.3 Service cost 820.6 965.4 12.8 Interest cost 476.7 483.3 6.4 Actuarial(gains)/ losses (46.4 ) 368.9 4.9 Benefits paid (572.9 ) (588.1 ) (7.8 ) Projected benefit obligation, end of the period 6,653.5 7,883.0 104.6 Change in plan assets: Fair value of plan assets, beginning of the period 4,573.4 5,501.8 73.0 Expected return on plan assets 347.4 389.9 5.2 Actuarial gains/(losses) 130.2 (620.5 ) (8.2 ) Actual return on plan assets 477.6 (230.6 ) (3.0 ) Employer contributions 1,023.7 1,096.7 14.5 Benefits paid (572.9 ) (588.1 ) (7.8 ) Fair value of plan assets, end of the period 5,501.8 5,779.8 76.7 Funded Status Rs. (1,151.7 ) Rs. (2,103.2 ) US$ (27.9 ) The Bank’s expected contribution to the gratuity fund for the next fiscal year is estimated at Rs. 1,960.6 million. The accumulated benefit obligation as of March 31, 2019 and March 31, 2020 was Rs. 3,777.3 million and Rs. 5,005.9 million, respectively. The vested accumulated benefit obligation as on March 31, 2019 and March 31, 2020 was Rs. 3,292.4 million and Rs. 4,381.2 million, respectively. Net gratuity cost for the years ended March 31, 2018, March 31, 2019 and March 31, 2020 was comprised of the following components: Fiscal years ended March 31, 2018 2019 2020 2020 (In millions) Service cost Rs. 741.0 Rs. 820.6 Rs. 965.4 US$ 12.8 Interest cost 392.2 476.7 483.3 6.4 Expected return on plan assets (297.4 ) (347.4 ) (389.9 ) (5.2 ) Actuarial (gains)/losses 85.1 (176.6 ) 989.4 13.1 Net gratuity cost* Rs. 920.9 Rs. 773.3 Rs. 2,048.2 US$ 27.1 * Effective April 1, 2018, the Bank adopted ASU 2017-07 Compensation- Retirement Benefits (Topic 715) -Improving the Presentation of Net Periodic Pension Cost and Net Periodic Postretirement Benefit Cost. Accordingly, service cost is reported in the Consolidated Statements of Income in line Non-interest expense-salaries and staff benefits and other components of net benefit cost is reported in the Consolidated Statements of Income in line Non-interest expense –Administrative and other. The amendments have been applied retrospectively. The assumptions used in accounting for the gratuity plan are set out below: Fiscal years ended March 31, 2018 2019 2020 (% per annum) Discount rate* 7.4-8.0 7.2-8.4 6.0-7.5 Rate of increase in compensation levels of covered employees 5.0-11.0 5.0-9.0 7.0-8.0 Rate of return on plan assets 7.0-8.0 7.0-7.2 6.0-7.0 Mortality rates used are based on the published “Indian Assured Lives Mortality (2012-2014) Ultimate” table * Weighted average assumptions used to determine both benefit obligations and net periodic benefit cost. The 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) 2021 Rs. 969.5 2022 784.2 2023 679.2 2024 602.3 2025 538.1 2026 - 2030 2,352.8 The expected benefit payments are based on the same assumptions used to measure the Bank’s benefit obligations as of March 31, 2020. 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, 2020, the plan assets as a percentage of the total funds were as follows: As of March 31, 2020 Funds managed Funds managed Funds Government securities 81.2 % 17.8 % 37.5 % Debenture and bonds 13.8 % 32.0 % 38.2 % Equity securities 4.9 % 48.1 % — Other 0.1 % 2.1 % 24.3 % 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, 2020 are provided separately. Pension In respect of pensions payable to certain erstwhile CBoP employees, which are payable pursuant to a defined benefit scheme, the Bank contributes 10% of basic salary to a pension fund set up by the Bank and administered by the board of trustees and the balance amount is provided based on an actuarial valuation at the balance sheet date conducted by an independent actuary. In respect of employees who have moved to a cost to company (CTC) driven compensation structure and have completed services up to 15 years as on the date of movement to a CTC driven compensation structure, any contribution made until such date, and any additional one-time contribution made for employees (who have completed more than 10 years but less than 15 years) stand frozen and will be converted into an annuity on separation after a lock-in-period of two years. Hence for this category of employees, liability stands frozen and no additional provision is required except for interest, if any. In respect of employees who accepted the offer and have completed services for more than 15 years, the pension would be paid based on the employee’s salary as of the date of movement to a CTC driven compensation structure and a provision is made based on an actuarial valuation at the balance sheet date conducted by an independent actuary. The following table sets out the funded status of the pension plan and the amounts recognized in the Bank’s financial statements as of March 31, 2019 and March 31, 2020: As of March 31, 2019 2020 2020 (In millions) Change in benefit obligations: Projected benefit obligation (“PBO”), beginning of the period Rs. 722.8 Rs. 677.6 US$ 9.0 Service cost 7.7 6.5 0.1 Interest cost 66.3 45.3 0.6 Actuarial (gains)/losses 6.5 15.3 0.2 Benefits paid (125.7 ) (146.5 ) (1.9 ) Projected benefit obligation, end of the period 677.6 598.2 8.0 Change in plan assets: Fair value of plan assets, beginning of the period 313.0 219.5 2.9 Expected return on plan assets 18.6 11.0 0.1 Actuarial gains/(losses) 4.8 2.9 — Actual return on plan assets 23.4 13.9 0.1 Employer contributions 8.8 8.3 0.1 Benefits paid (125.7 ) (146.5 ) (1.9 ) Fair value of plan assets, end of the period 219.5 95.2 1.2 Funded Status Rs. (458.1 ) Rs. (503.0 ) US$ (6.8 ) The Bank’s expected contribution to the pension fund for the next fiscal year is estimated at Rs. 129.7 million. The accumulated benefit obligation as of March 31, 2019 and March 31, 2020 was Rs. 468.3 million and Rs. 387.0 million, respectively. The vested accumulated benefit obligation as of March 31, 2019 and March 31, 2020 was Rs. 455.5 million and Rs. 241.3 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, 2018 2019 2020 2020 (In millions) Service cost Rs. 7.6 Rs. 7.7 Rs. 6.5 US$ 0.1 Interest cost 57.9 66.3 45.3 0.6 Expected return on plan assets (23.6 ) (18.6 ) (11.0 ) (0.1 ) Actuarial (gains)/losses 16.7 1.7 12.4 0.2 Net pension cost* Rs. 58.6 Rs. 57.1 Rs. 53.2 US$ 0.8 * Effective April 1, 2018, the Bank adopted ASU 2017-07 Compensation- Retirement Benefits (Topic 715) -Improving the Presentation of Net Periodic Pension Cost and Net Periodic Postretirement Benefit Cost. Accordingly, service cost is reported in the Consolidated Statements of Income in line Non-interest expense-salaries and staff benefits and other components of net benefit cost is reported in the Consolidated Statements of Income in line Non-interest expense –Administrative and other. The amendments have been applied retrospectively. The assumptions used in accounting for the pension plan are set out below: Fiscal years ended March 31, 2018 2019 2020 (% per annum) Discount rate* 8.0 8.4 7.5 Rate of increase in compensation levels of covered employees 8.0 8.0 7.0 Rate of return on plan assets 7.0 7.0 7.0 Mortality rates used are based on the published “Indian Assured Lives Mortality (2012-2014) Ultimate” table * Weighted average assumptions used to determine both benefit obligations and net periodic benefit cost. The following benefit payments, which include benefits attributable to expected future service, as appropriate, are expected to be paid. Year ending March 31, Benefit payments (In millions) 2021 Rs. 46.6 2022 43.7 2023 14.1 2024 21.3 2025 18.1 2026-2030 102.3 The expected benefits are based on the same assumptions used to measure the Bank’s benefit obligations as of March 31, 2020. 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, 2020 is as follows: Asset category Funds managed Government securities 20.8 % Debenture and bonds 17.1 % Other 62.1 % 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 3 1 Plan investment assets for gratuity funds and the pension fund measured at fair value by level and in total as of March 31, 2019 and March 31, 2020 are summarized in the table below. As of March 31, 2019 As of March 31, 2020 Level 1 Level 2 Level 3 Level 1 Level 2 Level 3 (In millions) Funds managed by insurance company (1) Rs. — Rs. — Rs. 625.0 Rs. — Rs. — Rs. 600.2 Funds managed by insurance company (2) — 4,632.5 — — 4,937.3 — Funds managed by trust — Government securities — 106.6 — — 110.8 — — Debenture and bonds — 320.1 — — 108.7 — — Others 37.1 — — 118.0 — — Total Rs. 37.1 Rs. 5,059.2 Rs. 625.0 Rs. 118.0 Rs. 5,156.8 Rs. 600.2 US$ 1.6 US$ 68.4 US$ 8.0 The table below presents a reconciliation of all Plan investment assets measured at fair value using significant unobservable inputs (Level 3) during fiscal 2019 and 2020. Funds managed by Insurance 2019 2020 2020 (In millions) Particulars Opening balance Rs. 519.9 Rs. 625.0 US$ 8.3 Realized interest credited to fund 36.7 48.0 0.6 Contribution during the period 88.6 89.5 1.2 Amount paid towards claim (20.2 ) (162.3 ) (2.1 ) Closing balance Rs. 625.0 Rs. 600.2 US$ 8.0 Superannuation Eligible employees of the Bank are entitled to receive retirement benefits under the Bank’s superannuation fund. The superannuation fund is a defined contribution plan under which the Bank annually contributes a sum equivalent to 13% of the employee’s eligible annual salary (15% for the Managing Director, Executive Directors and for certain employees of CBoP) to the insurance companies in India, which administers the fund. The Bank has no liability for future superannuation fund benefits other than its annual contribution, and recognizes such contributions as an expense in the year incurred. The Bank contributed Rs. 676.8 million, Rs. 1,034.1 million and Rs. 1,269.9 million to the superannuation plan for the years ended March 31, 2018, March 31, 2019 and March 31, 2020, respectively. Provident fund In accordance with Indian law, eligible employees of the Bank are entitled to receive benefits under the provident fund, a defined contribution plan in which both the employee and the Bank contribute monthly at a determined rate (currently 12% of an employee’s eligible salary). These contributions are made to a fund set up by the Bank and administered by a board of trustees, except that out of the employer’s contribution, an amount equal to 8.33% of the lower of employee’s monthly eligible salary or Rs. 0.015 million, is contributed by the Bank to the Pension Scheme administered by the Regional Provident Fund Commissioner. Employees are credited with interest, which is subject to a government specified minimum rate. The Bank has no liability for future provident fund benefits other than its annual contribution and the shortfall, if any, between the government specified minimum rate and the yield on the fund’s assets, and recognizes such contributions as an expense in the year incurred. The amount contributed being Rs. 3,081.4 million, Rs. 3,312.1 million and Rs. 4,901.4 million to the Provident Fund Trust and Regional Provident Fund Commissioner for the years ended March 31, 2018, March 31, 2019 and March 31, 2020, 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, 1952 w as 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. 32.7 million and Rs. 37.9 million to the National Pension Scheme for the fiscal years ended March 31, 2019 and March 31, 2020, respectively. Compensated absences The Bank has provided for unutilized leave balances as on March 31, 2020 standing to the credit of each employee on an actuarial valuation conducted by an independent actuary.

Financial instruments

Financial instruments	12 Months Ended
Financial instruments	Mar. 31, 2020
Financial instruments	24. Financial instruments Foreign exchange and derivative contracts The Bank enters into forward exchange contracts, currency options, forward rate agreements, currency swaps and rupee interest rate swaps with inter-bank participants on its own account and for customers. These transactions enable customers to transfer, modify or reduce their foreign exchange and interest rate risks. Forward exchange contracts are commitments to buy or sell foreign currency at a future date at the contracted rate. Currency swaps are commitments to exchange cash flows by way of interest in one currency against another currency and exchange of principal amount at maturity based on predetermined rates. Interest rate swaps are commitments to exchange fixed and floating rate interest cash flows. A forward rate agreement gives the buyer the ability to determine the underlying rate of interest for a specified period commencing on a specified future date (the settlement date) when the settlement amount is determined being the difference between the contracted rate and the market rate on the settlement date. Currency options give the buyer the right, but not an obligation, to buy or sell specified amounts of currency at agreed rates of exchange on or before a specified future date. The market and credit risk associated with these products, as well as the operating risks, are similar to those relating to other types of financial instruments. Market risk is the exposure created by movements in interest rates and exchange rates during the tenure of the transaction. The extent of market risk affecting such transactions depends on the type and nature of the transaction, the value of the transaction and the extent to which the transaction is uncovered. Credit risk is the exposure to loss in the event of default by counterparties. The extent of loss on account of a counterparty default will depend on the replacement value of the contract at the ongoing market rates. The Bank uses its pricing models to determine fair values of its derivative financial instruments. The Bank records credit risk valuation adjustments on derivative financial instruments in order to reflect the credit quality of the counterparties and its own credit quality. The Bank calculates valuation adjustments on derivatives based on observable market credit risk spreads. The following table presents the aggregate notional principal amounts of the Bank’s outstanding forward exchange and other derivative contracts as of March 31, 2019 and March 31, 2020, together with the fair values on each reporting date. As of March 31, 2019 Notional Gross Assets Gross Liabilities Net Fair Value Interest rate derivatives Rs. 3,159,867.1 Rs. 27,932.0 Rs. 27,102.8 Rs. 829.2 Forward rate agreements — — — — Currency options 282,096.9 2,326.1 2,617.2 (291.1 ) Currency swaps 197,044.2 5,841.0 4,070.7 1,770.3 Forward exchange contracts 5,561,859.5 96,425.0 94,658.3 1,766.7 Total Rs. 9,200,867.7 Rs. 132,524.1 Rs. 128,449.0 Rs. 4,075.1 As of March 31, 2020 Notional Gross Assets Gross Liabilities Net Fair Value Notional Net Fair Value (In millions) Interest rate derivatives Rs. 3,644,495.8 Rs. 49,876.8 Rs. 51,976.9 Rs. (2,100.1 ) US$ 48,341.9 US$ (27.9 ) Forward rate agreements — — — — — — Currency options 304,252.4 3,034.4 4,342.0 (1,307.6 ) 4,035.7 (17.3 ) Currency swaps 202,725.6 12,396.0 6,592.1 5,803.9 2,689.0 77.0 Forward exchange contracts 6,079,195.0 125,230.4 121,872.0 3,358.4 80,636.6 44.6 Total Rs. 10,230,668.8 Rs. 190,537.6 Rs. 184,783.0 Rs. 5,754.6 US$ 135,703.2 US$ 76.4 The Bank has not designated the above contracts as accounting hedges and accordingly the contracts are recorded at fair value on the balance sheet with changes in fair value recorded in 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 – 2018 2019 2020 2020 (In millions) Interest rate derivatives Rs. 1,027.5 Rs. 736.4 Rs. (2,572.2 ) US$ (34.1 ) Forward rate agreements 0.5 0.1 — — Currency options (15.0 ) (262.5 ) 585.5 7.7 Currency swaps (1,706.9 ) 1,045.0 3,465.5 46.0 Forward exchange contracts 7,436.5 10,890.1 2,071.2 27.5 Total gains/(losses) Rs. 6,742.6 Rs. 12,409.1 Rs. 3,550.0 US$ 47.1 Offsetting The following table shows the impact of netting arrangements on derivative financial instruments, repurchase and reverse repurchase agreements that are subject to enforceable master netting arrangements or similar agreements, but are not offset in accordance with ASC 210-20-45 and ASC 815-10-45. The Bank enters into International Swaps and Derivatives Association, Inc. (ISDA) master netting agreements or similar agreements with substantially all of the Bank’s foreign exchange and derivative contract counterparties. These master netting agreements, give the Bank, in the event of default by the counterparty, the right to liquidate collaterals held or placed and to offset receivables and payables with the same counterparty. In the table below the Bank has presented the gross derivative assets and liabilities adjusted for the effects of master netting agreements and collaterals received or pledged. Transactions with counterparties for Securities sold under agreements to repurchase (“repos”) and securities purchased under agreements to resell (“reverse repos”) are settled through the Clearing Corporation of India Limited (“CCIL”), a centralized clearing house. Collaterals received or pledged comprise of highly liquid investments. For undertaking the above transactions, power of attorney is executed by the Bank and the counterparties in favor of CCIL to liquidate the securities pledged in the event of default. As of March 31, 2019 Amounts subject to enforceable netting arrangements Effects of offsetting on balance sheet Related amounts not offset Gross Amounts Amounts Net amounts Financial Financial Net amount (In millions) Financial assets Derivative assets Rs. 132,524.1 Rs. — Rs. 132,524.1 Rs. 104,025.7 Rs. 2,651.7 Rs. 25,846.7 Securities purchased under agreements to resell 76,213.5 — 76,213.5 — 76,213.5 — Financial liabilities Derivative liabilities Rs. 128,449.0 Rs. — Rs. 128,449.0 Rs. 104,025.7 Rs. 3,098.1 Rs. 21,325.2 Securities sold under repurchase agreements 174,000.0 — 174,000.0 — 174,000.0 — (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, 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 US$ 455.8 Securities purchased 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 US$ 401.0 Securities sold under repurchase 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. 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 contractual obligation. The tenure of the guarantees issued or renewed by the Bank is normally in line with requirements on case-by-case basis as may be assessed by the Bank. The remaining tenure of guarantees presently issued by the Bank and currently outstanding ranges from 1 day to 25.6 years. The credit risk associated with these products, as well as the operating risks, is similar to those relating to other types of financial instruments. In accordance with FASB ASC 460-10 the Bank has recognized a liability of Rs. 3,544.4 million and Rs. 4,191.9 million as of March 31, 2019 and March 31, 2020, respectively, in respect of guarantees issued or modified. Based on historical trends, in accordance with FASB ASC 450, the Bank has recognized a liability of Rs. 2,589.5 million and Rs. 3,011.9 million as of March 31, 2019 and March 31, 2020, respectively. Details of guarantees and documentary credits outstanding are set out below: As of March 31, 2019 2020 2020 (In millions) Nominal values: Bank guarantees: Financial guarantees Rs. 254,075.9 Rs. 263,758.0 US$ 3,498.6 Performance guarantees 285,748.4 330,164.6 4,379.4 Documentary credits 475,617.8 440,232.7 5,839.4 Total Rs. 1,015,442.1 Rs. 1,034,155.3 US$ 13,717.4 Estimated fair values: Guarantees Rs. (3,544.4 ) Rs. (4,191.9 ) US$ (55.6 ) Documentary credits (501.7 ) (488.8 ) (6.5 ) Total Rs. (4,046.1 ) Rs. (4,680.7 ) US$ (62.1 ) 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. 99.5 billion and Rs. 130.5 billion as of March 31, 2019 and March 31, 2020, respectively. Other property or security may also be available to the Bank to cover losses under these guarantees. Undrawn commitments The Bank has outstanding undrawn commitments to provide loans and financing to customers. These commitments aggregated to Rs. 452.9 billion and Rs. 539.8 billion (US$ 7.2 billion) as of March 31, 2019 and March 31, 2020, 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. 3,150.9 billion and Rs. 3,806.2 billion (US$ 50.5 billion) as of March 31, 2019 and March 31, 2020, respectively.

Estimated fair value of financi

Estimated fair value of financial instruments	12 Months Ended
Estimated fair value of financial instruments	Mar. 31, 2020
Estimated fair value of financial instruments	25. Estimated fair value of financial instruments The Bank’s financial instruments include financial assets and liabilities recorded on the balance sheet, including instruments such as foreign exchange and derivative contracts. Management uses its best judgment in estimating the fair value of the Bank’s financial instruments; however, there are inherent weaknesses in any estimation technique. Therefore, for substantially all financial instruments, the fair value estimates presented herein are not necessarily indicative of all the amounts the Bank could have realized in a sales transaction as of March 31, 2019 and March 31, 2020. The estimated fair value amounts as of March 31, 2019 and March 31, 2020 have been measured as of the respective year ends, and have not been re-evaluated or updated for purposes of these financial statements subsequent to those respective dates. As such, the estimated fair values of these financial instruments subsequent to the respective reporting dates may be different than the amounts reported at each year end. A comparison of the fair values and carrying values of financial instruments is set out below: As of March 31, 2019 March 31, 2020 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 Rs. 734,872.6 Rs. 734,872.6 Rs. — Rs. — Rs. 734,872.6 Rs. 611,961.0 Rs. 611,961.0 Rs. — Rs. — Rs. 611,961.0 US$ 8,117.3 US$ 8,117.3 Investments held for 265,516.1 1,999.6 263,516.5 — 265,516.1 304,962.9 6,291.0 298,671.9 — 304,962.9 4,045.1 4,045.1 Investments 2,633,348.4 34,807.2 2,559,728.3 38,812.9 2,633,348.4 3,406,289.2 371,450.5 2,907,384.4 127,454.3 3,406,289.2 45,182.2 45,182.2 Securities purchased 76,213.5 — 76,213.5 — 76,213.5 250,000.0 — 250,000.0 — 250,000.0 3,316.1 3,316.1 Loans 8,963,232.6 — 2,593,533.9 6,378,523.8 8,972,057.7 10,425,022.4 — 2,593,022.1 7,936,633.4 10,529,655.5 138,281.2 139,669.1 Accrued interest 93,031.7 — 93,031.7 — 93,031.7 103,035.9 — 103,035.9 — 103,035.9 1,366.7 1,366.7 Other assets 344,873.6 2,390.1 340,767.5 — 343,157.6 641,605.5 2,282.4 637,594.1 — 639,876.5 8,510.5 8,487.6 Financial Interest-bearing 7,804,717.5 — 7,826,794.0 — 7,826,794.0 9,730,481.3 — 9,786,793.2 — 9,786,793.2 129,068.6 129,815.5 Non-interest-bearing 1,420,309.4 — 1,420,309.4 — 1,420,309.4 1,731,590.0 — 1,731,590.0 — 1,731,590.0 22,968.4 22,968.4 Securities sold 174,000.0 — 174,000.0 — 174,000.0 507,982.0 — 507,982.0 — 507,982.0 6,738.1 6,738.1 Short-term borrowings 654,058.0 — 655,215.2 — 655,215.2 377,417.6 — 378,027.9 — 378,027.9 5,006.2 5,014.3 Accrued interest payable 79,372.5 — 79,372.5 — 79,372.5 80,078.9 — 80,078.9 — 80,078.9 1,062.2 1,062.2 Long-term debt 1,044,553.0 — 1,061,687.0 — 1,061,687.0 1,026,518.3 — 1,074,826.3 — 1,074,826.3 13,616.1 14,256.9 Accrued expenses and other liabilities 366,071.3 — 366,071.3 — 366,071.3 460,931.4 — 460,931.4 — 460,931.4 6,114.0 6,114.0

Segment information

Segment information	12 Months Ended
Segment information	Mar. 31, 2020
Segment information	26. Segment information The Bank operates in three reportable segments: wholesale banking, retail banking and treasury services. The revenue and related expense recognition policies are set out in note 2. Substantially all operations and assets are based in India. The retail banking segment serves retail customers through a branch network and other delivery channels. This segment raises deposits from customers and grant loans, provides credit cards and debit cards, distributes third-party financial products, such as mutual funds and insurance 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, 2018, March 31, 2019 and March 31, 2020: Fiscal year ended March 31, 2018 2019 Retail Wholesale Treasury Total Retail Wholesale Treasury Total (In millions) Net interest income/(expense) (External) Rs. 279,198.3 Rs. 120,341.3 Rs. 23,611.0 Rs. 423,150.6 Rs. 336,677.1 Rs. 140,085.0 Rs. 30,743.5 Rs. 507,505.6 Net interest income/(expense) (Internal) 65,690.2 (48,571.1 ) (17,119.1 ) — 62,339.1 (43,842.8 ) (18,496.3 ) — Net interest revenue 344,888.5 71,770.2 6,491.9 423,150.6 399,016.2 96,242.2 12,247.2 507,505.6 Less: Provision for credit losses 52,577.1 6,820.7 — 59,397.8 64,051.0 8,228.3 — 72,279.3 Net interest revenue, after provision 292,311.4 64,949.5 6,491.9 363,752.8 334,965.2 88,013.9 12,247.2 435,226.3 Non-interest revenue 122,582.6 12,674.1 9,350.3 144,607.0 138,783.0 23,789.6 (2,450.4 ) 160,122.2 Non-interest expense (210,257.2 ) (19,792.1 ) (1,204.1 ) (231,253.4 ) (230,726.5 ) (22,744.8 ) (1,918.2 ) (255,389.5 ) Income before income tax Rs. 204,636.8 Rs. 57,831.5 Rs. 14,638.1 Rs. 277,106.4 Rs. 243,021.7 Rs. 89,058.7 Rs. 7,878.6 Rs. 339,959.0 Income tax expense Rs. 98,272.5 Rs. 119,393.5 Segment assets: Segment total assets Rs. 6,351,601.7 Rs. 4,140,606.7 Rs. 875,100.4 Rs. 11,367,308.8 Rs. 7,432,733.8 Rs. 4,732,290.7 Rs. 1,115,049.1 Rs. 13,280,073.6 Fiscal year ended March 31, 2020 Retail Banking Wholesale Treasury Total Total (In millions) Net interest income/(expense) (External) Rs. 356,017.3 Rs. 204,725.8 Rs. 32,784.3 Rs. 593,527.4 US$ 7,872.8 Net interest income/(expense) (Internal) 127,065.9 (101,002.5 ) (26,063.4 ) — — Net interest revenue 483,083.2 103,723.3 6,720.9 593,527.4 7,872.8 Less: Provision for credit losses 104,516.8 13,105.1 — 117,621.9 1,560.2 Net interest revenue, after provision for credit losses 378,566.4 90,618.2 6,720.9 475,905.5 6,312.6 Non-interest revenue 161,890.1 36,059.1 269.8 198,219.0 2,629.4 Non-interest expense (278,605.8 ) (27,774.0 ) (1,900.7 ) (308,280.5 ) (4,089.2 ) Income before income tax Rs. 261,850.7 Rs. 98,903.3 Rs. 5,090.0 Rs. 365,844.0 US$ 4,852.8 Income tax expense Rs. 105,480.0 US$ 1,399.1 Segment assets: Segment total assets Rs. 8,353,762.3 Rs. 5,933,391.4 Rs. 1,674,735.4 Rs. 15,961,889.1 US$ 211,724.1

Commitments and contingencies

Commitments and contingencies	12 Months Ended
Commitments and contingencies	Mar. 31, 2020
Commitments and contingencies	27. Commitments and contingencies Commitments and contingent liabilities other than for off balance sheet financial instruments (see note 24) are as follows: Capital commitments The Bank has entered into committed capital contracts, principally for branch expansion and technology upgrades. The estimated amounts of contracts remaining to be executed on the capital account as of March 31, 2019 and March 31, 2020 aggregated Rs. 5,503.6 million and Rs. 12,756.9 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, 2020 aggregated to Rs. 8,437.8 million (previous year Rs. 8,936.3 million). The Bank does not expect the outcome of these proceedings to have a material adverse effect on the Bank’s results of operations, financial condition or cash flows. The Bank intends to vigorously defend these claims. Although the results of other legal actions cannot be predicted with certainty, it is the opinion of management, after taking appropriate legal advice, that the likelihood of these claims becoming obligations of the Bank is remote and hence the resolution of these actions will not have a material adverse effect, if any, on the Bank’s business, financial condition or results of operations. Lease commitments The Bank is party to operating leases for certain of its office premises and employee residences, with a renewal at the option of the Bank. Operating lease right-of-use assets and lease liabilities were as follows: As of March 31, 2020 2020 (In millions) Right-of-use assets Rs. 60,756.9 US$ 805.9 Lease liabilities 65,615.1 870.3 The total lease expenses are as follows: As of March 31, 2018 2019 2020 2020 (In millions) The total minimum lease expense during the year recognized in the consolidated statement of income Rs. 12,311.3 Rs. 12,700.8 Rs. 13,698.7 US$ 181.7 The total operating cash flow for operating lease expenses during the year ended March 31, 2020 was Rs. 11,692.3 million (US $ The future minimum lease payments prior to adoption of ASU 2016-02- Leases as of March 31, 2019 were as follows: Year ending March 31, Operating leases (In millions) 2020 Rs. 10,538.6 2021 9,921.4 2022 9,100.7 2023 8,137.3 2024 7,104.2 Thereafter 41,090.6 Total Rs. 85,892.8 The future minimum lease payments subsequent to adoption of ASU 2016-02- Leases as of March 31, 2020 were as follows: Due in fiscal year ending March 31: Operating leases (In millions, except for weighted averages) 2021 Rs. 11,411.4 US$ 151.4 2022 10,617.5 140.8 2023 9,808.5 130.1 2024 8,839.5 117.3 2025 8,227.8 109.1 Thereafter 48,321.0 640.9 Total lease payments Rs. 97,225.7 US$ 1,289.6 Less: imputed interest 31,610.6 419.3 Total operating lease liabilities Rs. 65,615.1 US$ 870.3 Weighted average remaining lease term (in years) 10.3 10.3 Weighted average discount rate 7.4 % 7.4 % The Bank adopted ASU 2016-02 “Leases (Topic842)” and subsequent related updates on April 1, 2019. The Bank enters into lease agreements to obtain the right-of-use assets for its business operations, substantially all of which are premises. On April 1, 2019, the Bank recognized a lease liability of Rs. 56.9 billion and a corresponding right-of-use asset of approximately Rs. 53.0 billion on the Consolidated Balance Sheet related to its future lease payments as a lessee under operating leases. On adoption of Topic 842, accrued rent amounting to Rs. 3.9 billion of Rs .6.9 billion, predominantly for premises, with leases which have not yet commenced. These leases will commence by April 2020 and have lease terms ranging from 4 to 26 years. Reward points The movement in provision for credit card and debit card reward points as of March 31, 2019 and March 31, 2020 is as follows: As of March 31, 2019 2020 2020 (In millions) Opening provision of reward points Rs. 4,711.2 Rs. 6,030.9 US$ 80.0 Provision made during the year 3,747.3 5,356.0 71.0 Utilization/write back of provision (2,555.9 ) (3,868.8 ) (51.3 ) Effect of change in rate of accrual of reward points 91.5 (176.6 ) (2.3 ) Effect of change in cost of reward points 36.8 — — Closing provision of reward points Rs. 6,030.9 Rs. 7,341.5 US$ 97.4

Related party transactions

Related party transactions	12 Months Ended
Related party transactions	Mar. 31, 2020
Related party transactions	28. Related party transactions The Bank’s principal related parties consist of HDFC Limited, its principal owner, subsidiaries of HDFC Limited and affiliates of the Bank. Transactions disclosed under “others” primarily consist of transactions with subsidiaries of HDFC Limited and affiliates of the Bank. The Bank enters into transactions with its related parties, such as providing banking services, sharing costs and service providers, purchasing services, making joint investments, and borrowing from related parties and subletting premises. The Bank is prohibited from making loans to companies with which it has directors in common. The Bank, being an authorized dealer, deals in foreign exchange and derivative transactions with certain parties which include the principal owner and related companies. The foreign exchange and derivative transactions are undertaken in line with the RBI guidelines. The Bank’s related party balances and transactions are in the normal course of business and are summarized as follows: Balances payable to related parties are as follows: As of March 31, 2019 2020 Principal Others Total Principal Others Total Total (In millions) Balances in non-interest-bearing deposits Rs. 32,176.8 Rs. 14,170.1 Rs. 46,346.9 Rs. 35,128.7 Rs. 8,258.8 Rs. 43,387.5 US$ 575.5 Balances in interest-bearing deposits 733.1 1,732.9 2,466.0 1,662.0 5,954.8 7,616.8 101.0 Accrued expenses and other liabilities 836.4 — 836.4 1,002.8 — 1,002.8 13.3 Total Rs. 33,746.3 Rs. 15,903.0 Rs. 49,649.3 Rs. 37,793.5 Rs. 14,213.6 Rs. 52,007.1 US$ 689.8 Balances receivable from related parties are as follows: As of March 31, 2019 2020 Principal Others Total Principal Others Total Total (In millions) Loans Rs. — Rs. 33.9 Rs. 33.9 Rs. — Rs. 26.5 Rs. 26.5 US$ 0.4 Other assets 310.2 1,474.7 1,784.9 449.5 1,266.9 1,716.4 22.8 Total Rs. 310.2 Rs. 1,508.6 Rs. 1,818.8 Rs. 449.5 Rs. 1,293.4 Rs. 1,742.9 US$ 23.2 Purchase of property and equipment from related parties for the years ended March 31, 2019 and 2020 were nil. Purchase and sale of investments from Others for the year ended March 31, 2020 were Rs.4,872.8 million (previous year Rs. 6,490.7 million) and Rs. 28,016.8 million (previous year Rs. 22,236.2 million), respectively. Investments of Others in the Bank’s subordinated debt for the fiscal year ended March 31, 2020 were Rs. 200.0 million (previous year Rs. 250.0 million). Included in the determination of net income are the following significant transactions with related parties: Fiscal year ended March 31, 2018 2019 2020 Principal Others Total Principal Others Total Principal Others Total Total (In millions) Non-interest revenue-Fees and commissions Rs. 2,642.7 Rs. 14,913.5 Rs. 17,556.2 Rs. 2,829.7 Rs. 14,558.3 Rs. 17,388.0 Rs. 3,089.4 Rs. 17,001.7 Rs. 20,091.1 US$ 266.5 Interest and Dividend revenue 132.8 1,396.9 1,529.7 352.0 1,549.7 1,901.7 — 1,194.2 1,194.2 15.8 Interest expense-Deposits (59.6 ) (115.9 ) (175.5 ) (54.9 ) (138.0 ) (192.9 ) (85.3 ) (84.2 ) (169.5 ) (2.2 ) Non-interest expense-Administrative and other (4,031.9 ) (2,266.8 ) (6,298.7 ) (4,838.3 ) (2,841.7 ) (7,680.0 ) (5,840.8 ) (3,119.6 ) (8,960.4 ) (118.9 ) Non-interest expense-Premises and equipment (19.8 ) (7.6 ) (27.4 ) (31.2 ) (6.1 ) (37.3 ) (25.8 ) (9.7 ) (35.5 ) (0.5 ) Other transactions with the Bank’s principal owner are as follows: During the years ended March 31, 2019 and March 31, 2020, the Bank purchased loans from the principal owner aggregating Rs. 239,824.2 million and Rs. 241,272.5 million, respectively. Dividends paid to the principal owner during the years ended March 31, 2019 and March 31, 2020 were Rs. 5,111.7 million and Rs. 8,646.2 million, respectively. The Bank also enters into foreign exchange and derivative transactions with its principal owner. The notional principal amount and the mark-to-market gains in respect of foreign exchange and derivative contracts outstanding as of March 31, 2020 was Rs. 120,099.5 million (previous year Rs. 58,655.0 million) and Rs. 53.5 million (previous year Rs. 143.1 million), respectively. During the fiscal year ended March 31, 2020, the Bank subscribed to debt securities of nil (previous year Rs. 6,850.0 million) issued by the principal owner. During the fiscal year ended March 31, 2020, the Bank issued Guarantees on behalf of its Principal owner and Others for Rs. 3.9 million (previous year Rs. 3.7 million) and for Rs. 29.9 million (previous year Rs. 1,127.4 million), respectively. For contributions made to provident funds and pension funds set up by the Bank, see note 23 – Retirement benefits.

Earnings per equity share

Earnings per equity share	12 Months Ended
Earnings per equity share	Mar. 31, 2020
Earnings per equity share	29. Earnings per equity share 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 nil and 24.2 million As of March 31, 2018 2019 2020 Weighted average number of equity shares used in computing basic earnings per equity share 5,161,077,010 5,360,068,058 5,468,802,148 Effect of potential equity shares for stock options outstanding 66,800,242 53,585,896 36,990,405 Weighted average number of equity shares used in computing diluted earnings per equity share 5,227,877,252 5,413,653,954 5,505,792,553 The following are reconciliations of basic and diluted earnings per equity share and earnings per ADS. Fiscal years ended March 31, 2018 2019 2020 2020 Basic earnings per share Rs. 34.59 Rs. 41.07 Rs. 47.59 US$ 0.63 Effect of potential equity shares for stock options outstanding 0.44 0.41 0.32 0.01 Diluted earnings per share Rs. 34.15 Rs. 40.66 Rs. 47.27 US$ 0.62 Basic earnings per ADS Rs. 103.77 Rs. 123.21 Rs. 142.77 US$ 1.89 Effect of potential equity shares for stock options outstanding 1.32 1.23 0.96 0.03 Diluted earnings per ADS Rs. 102.45 Rs. 121.98 Rs. 141.81 US$ 1.86 Dividends Any dividends declared by the Bank are based on the profit available for distribution as reported in the statutory financial statements of the Bank prepared in accordance with Indian GAAP. Additionally, the Banking Regulation Act and related regulations require the Bank to transfer 25% of its Indian GAAP profit after-tax to a non-distributable statutory reserve and to meet certain other conditions in order to pay dividends without prior RBI approval. As per the RBI guidelines, the dividend payout (excluding dividend tax) for March 31, 2020 cannot exceed 35% of net income of Rs. 262,573.2 million as calculated under Indian GAAP. Accordingly, the net income reported in these financial statements may not be fully distributable in that year. Dividends declared for the years ended March 31, 2018 and March 31, 2019 were Rs. 6.5 and Rs. 7.5 per equity share , respectively. A special interim dividend of Rs. 2.5 per share to commemorate 25 years of HDFC Bank’s operations was paid on August 2, 2019. The RBI in its circular dated April 17, 2020, announced that banks shall not make any further dividend payouts from the profits relating to the financial year ended March 31, 2020 until further instructions . As a result , the Board of Directors of the Bank, at their meeting held on April 18, 2020, has not proposed any final dividend for fiscal 2020.

Investments in Subsidiaries_Aff

Investments in Subsidiaries/Affiliates	12 Months Ended
Investments in Subsidiaries/Affiliates	Mar. 31, 2020
Subsidiaries
Investments in Subsidiaries/Affiliates	30. Subsidiaries HDB Financial Services Limited (“HDBFSL”) is a non-deposit taking non-banking finance company and a subsidiary of the Bank. As at March 31, 2020, HDFC Bank Ltd. and its subsidiaries effectively hold 95.9% (previous year 96.1%). The financial statements of HDBFSL are consolidated. HDFC Securities Ltd. (“HSL”) offers trading facilities in a range of equity, fixed income and derivative products to its clients. As at March 31, 2020 the Bank holds a 96.8% (previous year 97.6%) effective equity interest. The financial statements of HSL are consolidated.

Fair value measurement

Fair value measurement	12 Months Ended
Fair value measurement	Mar. 31, 2020
Fair value measurement	31. Fair value measurement FASB Accounting Standards Codification “ASC” 820 (Topic 820) Fair Value Measures and Disclosures, defines fair value, establishes a framework for measuring fair value in US GAAP, and expands disclosures about fair value measurements. The valuation hierarchy is based upon the transparency of inputs to the valuation of an asset or liability as of the measurement date. The three levels are defined as follows: Level of input 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 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, 2019 and March 31, 2020. The following table summarizes investments measured at fair value on a recurring basis as of March 31, 2019, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value: Fair Value Measurements Using Particulars Total Quoted prices in Significant other Significant (In millions) Trading account securities Rs. 265,516.1 Rs. 1,999.6 Rs. 263,516.5 Rs. — Securities Available-for-Sale 2,633,348.4 34,807.2 2,559,728.3 38,812.9 Equity securities * 11,024.0 2,390.1 8,633.9 — Total Rs. 2,909,888.5 Rs. 39,196.9 Rs. 2,831,878.7 Rs. 38,812.9 * Equity securities classified within other assets. 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 Total US$ 49,372.4 US$ 5,040.7 US$ 42,641.1 US$ 1,690.6 * Equity securities classified within other assets. Available-for-Sale securities aggregating to Rs.5.3 billion and classified as Level 1 as of March 31, 2019 were transferred to Level 2 during fiscal 2020. 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, 2019 and March 31, 2020: Particulars As of March 31, 2019 (in millions) Beginning balance at April 1, 2018 Rs. 18,534.6 Total gains or losses (realized/unrealized) -Included in net income — -Included in other comprehensive income 355.9 Purchases/additions 42,885.7 Sales — Issuances — Settlements (22,963.3 ) Transfers in Level 3 — Transfers out of Level 3 — Foreign currency translation adjustment — Ending balance at March 31, 2019 Rs. 38,812.9 Total amount of gains or (losses) included in net income attributable to change in unrealized gains or (losses) relating to assets still held at reporting date Rs — 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 — 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, 2019, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value: Fair Value Measurements Using Particulars Total Quoted prices in Significant other Significant (In millions) Derivative assets Rs. 132,524.1 Rs. — Rs. 132,524.1 Rs. — Derivative liabilities Rs. 128,449.0 Rs. — Rs. 128,449.0 Rs. — 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. —

Risk and uncertainties

Risk and uncertainties	12 Months Ended
Risk and uncertainties	Mar. 31, 2020
Risks and Uncertainties [Abstract]
Risk and uncertainties	32. Risk and uncertainties At the date of approval of the consolidated financial statements, the SARS-CoV-2 virus responsible for COVID-19 continues to spread across the globe and India, contributing to significant volatility in global and Indian financial markets and a significant decrease in global and local economic activity. On March 11, 2020, the COVID-19 outbreak was declared a global pandemic by the World Health Organization. Numerous governments and companies, including the Bank, have introduced a variety of measures to contain the spread of the virus. In India, the Bank’s main place of business, on March 24, 2020, the Government announced a strict 21-day lockdown across the country, which was later extended until May 31, 2020. On May 30, 2020 the Government announced a phased reopening of certain previously prohibited activities outside specified containment zones, while the lockdown was extended to June 30, 2020 in such containment zones. To reduce the economic impact of the pandemic on Indian corporate and retail borrowers, on March 27, 2020 , the RBI announced COVID- The extent to which the COVID-19 pandemic will impact the Bank’s results will depend on future developments, which are highly uncertain, including, among other things, any new information concerning the severity of the COVID-19 pandemic and any action to contain its spread or mitigate its impact whether government-mandated or elected by the Bank.

Summary of significant accoun_2

Summary of significant accounting policies (Policies)	12 Months Ended
Summary of significant accounting policies (Policies)	Mar. 31, 2020
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 revenue, other. The Bank consolidates Variable Interest Entities (VIEs) where the Bank is determined to be the primary beneficiary (see note 2j). All significant inter-company balances and transactions are eliminated on consolidation.
Basis of presentation	b. Basis of presentation These financial statements have been prepared in accordance with the accounting principles generally accepted in the United States of America (“US GAAP”). US GAAP differs in certain material respects from accounting principles generally accepted in India, the requirements of India’s Banking Regulation Act 1949 and related regulations issued by the Reserve Bank of India (“RBI”) (collectively “Indian GAAP”), which form the basis of the statutory general purpose financial statements of the Bank in India. Principal differences, insofar as they relate to the Bank, include: determination of the allowance for credit losses, classification and valuation of investments, accounting for deferred 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, other than temporary impairment, 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 short-term debentures issued by the same customers with whom the Bank has a lending relationship in its wholesale banking business. Investment decisions for credit substitute securities are subject to the same credit approval processes as for loans, and the Bank bears the same customer credit risk as it does for loans extended to those customers. Additionally, the yield and maturity terms are generally directly negotiated by the Bank with the issuer. As the Bank’s exposures to such securities are similar to its exposures on its loan portfolio, additional disclosures have been provided on impairment status in note 7 and on concentrations of credit risk in note 11. All other securities including mortgage and asset-backed securities are actively managed as part of the Bank’s treasury operations. The issuers of such securities are either government, public financial institutions or private issuers. These investments are typically purchased from the market, and debt securities are generally publicly rated. Securities that are held principally for resale in the near term are classified as held for trading (“HFT”) and are carried at fair value, with changes in fair value recorded in net income. Debt securities that management has the positive intent and ability to hold to maturity are classified as held to maturity (“HTM”) and are carried at amortized cost. All debt securities that are not classified as HTM or HFT are classified as available for sale debt securities (“AFS”) and are carried at fair value. Unrealized gains and losses on such securities, net of applicable taxes, are reported in accumulated other comprehensive income (loss), a separate component of shareholders’ equity. Up to March 31, 2018, equity securities with readily determinable fair values that were not classified as HFT were classified as available for sale and were carried at fair value. Unrealized gains and losses on such securities, net of applicable taxes, were reported in accumulated other comprehensive income (loss), a separate component of shareholders’ equity. Dividend income on such securities was included in Interest and dividend revenue- available for sale debt securities. Non-marketable equity securities were carried at cost. The Bank adopted ASU 2016-01 and ASU 2018-03 with effect from April 1, 2018. The available-for-sale category was eliminated for equity securities which were reclassified to other assets. This resulted in a cumulative catch-up reclassification from AOCI to retained earnings (see note 14). Marketable securities are measured at fair value, change in fair value recorded in earnings. Non- marketable equity securities under the measurement alternative are carried at cost plus or minus changes resulting from observable price changes in orderly transactions for the identical or a similar investment of the same issuer and impairment, if any. The Bank’s review for impairment for equity method, cost method and measurement alternative securities typically includes an analysis of the facts and circumstances of each security, the intent or requirement to sell the security, and the expectations of cash flows. Fair values are based on market quotations where a market quotation is available or otherwise based on present values at current interest rates for such investments. Transfers between categories are recorded at fair value on the date of the transfer.
Impairment of securities	g. Impairment of debt securities Declines in the fair values of held to maturity and available for sale debt securities below their carrying value that are other than temporary are reflected in net income as other than temporary impairment losses, based on management’s best estimate of the fair value of the investment. The Bank conducts a review each year to identify other than temporary declines based on an evaluation of all significant factors. The Bank’s review of impairment generally entails identification and evaluation of investments that have indications of possible impairment, analysis of evidential matter, including an evaluation of factors or triggers that would or could cause individual investments to have other than temporary impairment and documentation of the results of these analysis, as required under business policies. Estimates of any declines in the fair values of credit substitute securities that are other than temporary are measured on a case-by-case basis together with loans to those customers. The Bank does not recognize an impairment for debt securities if the cause of the decline is related solely to interest rate increase and the Bank does not intend to sell the security and it is not more likely than not that the Bank will be required to sell the security before recovery of its amortized cost basis
Loans	h. Loans The Bank grants retail and wholesale loans to customers. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at their outstanding unpaid principal balances adjusted for an allowance for credit losses. 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” status when interest or principal payments are past due for a specified period, at which time no further interest is accrued and overdue interest is written off against interest income. Interest income and principal payments on loans placed on non-accrual status is recognized when received. Loans are returned to accrual status when all principal and interest amounts contractually due are brought current and future payments are reasonably assured. Loans are generally placed on “non-accrual” status when interest or principal payments are three months past due or if they are considered impaired when, based on current information and events, it is probable that the Bank will be unable to collect scheduled payments of principal or interest when due according to the contractual terms of the loan agreement.
Allowance for credit losses	i. Allowance for credit losses The Bank provides an allowance for credit losses based on management’s best estimate of losses inherent in the loan portfolio which includes troubled debt restructuring. The allowance for credit losses consists of allowances for retail loans and wholesale loans. Retail The Bank’s retail loan loss allowance consists of specific allowance and allowance for loans collectively evaluated for impairment (termed as “unallocated allowance”). The Bank establishes a specific allowance on the retail loan portfolio based on factors such as the nature of the product, delinquency levels or the number of days the loan is past due and the nature of the security available. Additionally, the Bank monitors loan to value ratios for loan against securities. The loans are charged off against allowances typically when the account becomes 150 to 1,083 Subsequent recoveries, if any, against write-off cases, are adjusted to allowance for credit losses in the consolidated statement of income. The Bank also records unallocated allowances for its retail loans by product type. The Bank’s retail loan portfolio is comprised of groups of large numbers of small value homogeneous loans. The Bank establishes an unallocated allowance for loans in each product group based on its estimate of the overall portfolio quality, asset growth, economic conditions and other risk factors. The Bank estimates its unallocated allowance for retail loans based on its probability of default and loss given default, determined for the respective risk pools. Wholesale The allowance for wholesale loans consists of specific and unallocated components. The allowance for such credit losses is evaluated on a regular basis by management and is based upon management’s view of the probability of recovery of loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, the estimated value of any underlying collateral, factors affecting the industry which the loan exposure relates to and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. Loans are charged off against the allowance when management believes that the loan balance may not be recovered. Subsequent recoveries, if any, against write-off cases, are adjusted to allowance for credit losses in the consolidated statement of income. The Bank grades its wholesale loan accounts considering both qualitative and quantitative criteria. Wholesale loans are considered impaired when, based on current information and events, it is probable that the Bank will be unable to collect scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, the financial condition of the borrower, the value of collateral held, and the probability of collecting scheduled principal and interest payments when due. The Bank establishes specific allowances for each impaired wholesale loan customer, in the aggregate, for all facilities, including term loans, cash credits, bills discounted and lease finance, based on either the present value of expected future cash flows discounted at the loan’s effective interest rate or the net realizable value of the collateral if the loan is collateral dependent. Collateral values are generally based on appraisals from internal and external valuation sources. Wholesale loans that experience insignificant payment delays and payment shortfalls are generally not classified as impaired but are placed on a surveillance watch list and closely monitored for deterioration. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, market information, and the amount of the shortfall in relation to the principal and interest owed. These factors are considered by the Bank for selection of loans for credit reviews and assessment of impairment. The Bank has 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.
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 (Topic 842)”. The Bank applied Topic 842 using the modified retrospective method. As a result, comparative information has not been adjusted and continues to be reported under ASC 840. As of April 1, 2019, the date of the Bank’s initial application of ASC 842, the Bank recognized its lease liabilities measured as the present value of lease payments not yet paid, discounted using the incremental borrowing rate as at the date of initial application. The right-of-use asset as of the date of the initial application includes an initial measurement of the lease liabilities adjusted for accrued lease payments as of date of initial application. 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 assets and lease liabilities at the lease commencement date. Right-of-use assets are reported in other assets on the Consolidated Balance Sheets, and the related lease liabilities are reported in accrued expenses and other liabilities. The Bank has elected not to record right-of-use assets for short-term-leases that have a lease term of 12 months or less and thus, all leases with a lease term exceeding 12 months are recorded on the consolidated balance sheet. Lease expense is recognized on a straight-line basis over the lease term and is recorded in non-interest expense- premises and equipment in the consolidated statements of income. The Bank made an accounting policy decision not to separate lease and non-lease components of a contract that is or contains a lease. At the lease commencement, lease liabilities are recognized based on the present value of the remaining lease payments and discounted using the incremental borrowing rate as at the date of the lease commencement. Right-of-use assets initially equal the lease liabilities, adjusted for any lease payments made prior to lease commencement and for any lease incentives. 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 model: 1) a tax position must be more-likely-than-not to be sustained based on its technical merits in order to be recognized, and 2) the benefit is measured as the largest amount of that position that is greater than 50 percent likely of being realized upon settlement. The difference between the benefit recognized for a position in accordance with this model and the tax benefit claimed on a tax return is referred to as an unrecognized tax benefit. The Bank’s policy is to include interest income, interest expense and penalties on overpayments and underpayment of income taxes within income tax expense in the consolidated statement of income. Interest income on overpayments of income taxes is recognized when the related matter is resolved. The Bank 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 status, where it is recognized when received. 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 rates for assets and liabilities and at average rates for operations. The resulting unrealized gains or losses are reported as a component of accumulated other comprehensive income (OCI).
Stock-based compensation	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 22.
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 29.
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 26.
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. This analysis is a two-step process. The first step of the goodwill impairment test compares the fair value of the reporting unit with its carrying amount, including goodwill. If the fair value of the reporting unit exceeds its carrying amount, then the goodwill of the reporting unit is considered not impaired; however, if the carrying amount of the reporting unit exceeds its fair value, the second step is to be performed. The second step involves calculating an implied fair value of goodwill for each reporting unit for which the first step indicated possible impairment. The implied fair value of goodwill is determined in the same manner as the amount of goodwill recognized in a business combination, which is the excess of the fair value of the reporting unit, as determined in the first step, over the aggregate fair values of the individual assets, liabilities and identifiable intangibles as if the reporting unit was being acquired in a business combination. The adjustments to measure the assets, liabilities and intangibles at fair value are for the purpose of measuring the implied fair value of goodwill and such adjustments are not reflected in the consolidated balance sheet. If the implied fair value of goodwill exceeds the goodwill assigned to the reporting unit, there is no impairment. If the goodwill assigned to a reporting unit exceeds the implied fair value of the goodwill, an impairment charge is recorded for the excess. An impairment loss recognized cannot exceed the amount of goodwill assigned to a reporting unit, and the loss establishes a new basis in the goodwill. Subsequent reversal of goodwill impairment losses is not permitted.
Recently adopted accounting standards	x. Recently adopted accounting standards In February 2016, the FASB issued ASU 2016-02 “Leases (Topic 842)”. The update generally requires recognition of lease assets and lease liabilities on the balance sheet and disclosure of key information about leasing arrangements. In particular, the guidance requires a lessee, of operating or finance leases, to recognize on the balance sheet a liability to make lease payments and a right-of-use asset representing its right to use the underlying asset for the lease term. However, for leases with lease term of 12 months or less, a lessee is permitted to make an accounting policy election not to recognize lease assets and lease liabilities. Previously, a lessee was not required to recognize lease assets and lease liabilities arising from operating leases. Lessor accounting is largely unchanged. The Bank adopted the FASB guidance effective April 1, 2019. To transition to the new guidance, the Bank elected several available practical expedients, including not to reassess the classification of its existing leases, any initial direct costs associated with the leases, or whether any existing contracts are or contain leases. In addition, the Bank elected not to provide a comparative presentation for fiscal 2019 and 2018. At adoption, the Bank recognized a lease liability Rs. 53.0
Recently issued accounting pronouncements not yet effective	x. Recently issued accounting pronouncements not yet effective In June 2016, the FASB issued ASU 2016-13 “Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments”. The ASU introduces a new accounting model, the Current Expected Credit Losses model (“CECL”), which requires earlier recognition of credit losses, while also providing transparency about credit risk. The CECL model utilizes a lifetime “expected credit loss” measurement objective for the recognition of credit losses for loans, held to maturity securities and other receivables at the time the financial asset is originated or acquired. The expected credit losses are required to be adjusted each period for changes in expected lifetime credit losses. The update requires use of judgment in determining the relevant information and estimation methods that are appropriate for measurement of expected credit losses which is to be based on relevant information about past events, historical experience, current conditions, and reasonable and supportable forecasts that affect the collectability of the reported amount. In regard to Available-for-Sale Debt Securities, the credit losses are required to be recorded through an allowance and the ASU limits the amount of the allowance for credit losses to the amount by which fair value is below amortized cost. While the update changes the measurement of the allowance for credit losses, it does not change the credit risk for the Bank’s loan portfolios. The FASB has issued multiple updates to ASU 2016-13 as codified in Topic 326, viz. ASUs 2018-19, 2019-04, 2019-05, 2019-10, 2019-11, 2020-02, and 2020-03. These ASUs have provided for various minor technical corrections and improvements to the codification as well as other transition matters. ASU 2016-13 is effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. The Bank will adopt the guidance in fiscal 2021. Key implementation initiatives have included model development and validation, data acquisition for model estimation and new disclosures, and the establishment of policies encompassing aspects of the standard including internal controls. The allowance methodologies and model duly validated and tested, will be implemented for fiscal 2021. At the date of adoption, the ASU will result in a negative adjustment to retained earnings. The ultimate impact is dependent on the finalization of the assessment of the characteristics of the Bank’s portfolio, macroeconomic conditions and related forecasts at date of adoption and the potential impact of COVID-19. On adoption, the CECL transitional amount ( a ) In January 2017, the FASB issued ASU No. 2017-04 “Intangibles-Goodwill and Other (Topic 350)—Simplifying the Test for Goodwill Impairment”. The amendment in this update simplifies the subsequent measurement of goodwill impairment by eliminating the requirement to calculate the implied fair value of goodwill (i.e., the current Step 2 of the goodwill impairment test) to measure a goodwill impairment charge. The impairment test is simply the comparison of the fair value of a reporting unit with its carrying amount (the current Step 1), with the impairment charge being the deficit in fair value but not exceeding the total amount of goodwill allocated to that reporting unit. The amendments in the ASU are effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. The Bank expects to adopt the guidance in fiscal 2021. Early adoption is permitted for interim and annual goodwill impairment testing dates after January 1, 2017. The adoption of this guidance is not expected to have a material impact on the Bank’s consolidated financial position or results of operations or disclosures. In August 2018, the FASB issued ASU No. 2018-13 “Fair Value Measurement (Topic 820): Disclosure Framework—Changes to the Disclosure Requirements for Fair Value Measurement”. The amendments modify certain disclosure requirements for fair value measurements. Entities are required to disclose and describe the range and weighted-average of significant observable inputs used to prospectively develop Level 3 fair value measurements. The amendments in the ASU are effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. Early adoption is permitted. The Bank expects to adopt the guidance in fiscal 2021. The adoption of this guidance is not expected to have a material impact on the Bank’s consolidated financial position or results of operations. In August 2018, the FASB issued ASU No. 2018-15 “Intangibles—Goodwill and Other—Internal-Use Software (Subtopic 350-40): Customer’s A In December 2019, the FASB issued ASU 2019-12, “Income Taxes (Topic 740) – Simplifying the Accounting for Income Taxes.” This ASU is part of the FASB’s initiative to make narrow-scope simplifications and improvements to accounting standards through a series of short-term projects. The ASU removes specific exceptions to general principles in Topic 740 (eliminating the need for an organization to analyze whether certain exceptions apply in a given period) and improving financial statement preparers’ application of certain income tax-related guidance. The amendments in the ASU are effective for public business entities for fiscal years beginning after December 15, 2020, and interim periods within those fiscal years. Early adoption is permitted. The Bank expects to adopt the guidance in fiscal 2022. The Bank is currently assessing the impact of this guidance will have on its consolidated financial position or results of operations. In January 2020, the FASB issued ASU 2020-01, “Investments – Equity Securities (Topic 321), Investments – Equity Method and Joint Ventures (Topic 323), and Derivatives and Hedging (Topic 815) – Clarifying the Interactions between Topic 321, Topic 323, and Topic 815.” ASU 2016-01 made targeted improvements to accounting for financial instruments, including providing an entity with the ability to measure certain equity securities without a readily determinable fair value at cost, less any impairment, plus or minus changes resulting from observable price changes in orderly transactions for the identical or a similar investment of the same issuer. Among other topics, the amendments clarify that an entity should consider observable transactions that require it to either apply or discontinue the equity method of accounting. The amendments in the ASU are effective for public business entities for fiscal years beginning after December 15, 2020, and interim periods within those fiscal years. Early adoption is permitted. The Bank expects to adopt the guidance in fiscal 2022. The Bank is currently assessing the impact of this guidance will have on its consolidated financial position or results of operations. In March 2020, the FASB issued ASU No. 2020-04 “Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting”. The ASU provides for optional expedients and other guidance related to modification of contracts , hedging relationships, and other transactions affected by reference rate reform. The ASU also provides an election to account for certain contract amendments related to reference rate reform as modifications rather than extinguishments without the requirement to assess the significance of the amendments. The various practical expedients and elections allow hedge accounting to continue uninterrupted during the transition period. The amendments in the update are elective and applicable on issue . The Bank is currently assessing the various practical expedients and elections provided in the update and its suitability and impact on the Bank’s transition away from LIBOR for its financial instrument.
Convenience translation	y. Convenience translation The accompanying financial statements have been expressed in Indian Rupees (“Rs.”), the Bank’s functional currency. For the convenience of the reader, the financial statements as of and for the fiscal year ended March 31, 2020 have been translated into U.S. dollars at U.S.$1.00 = Rs. 75.39 as published by the Federal Reserve Board of New York on March 31, 2020. Such translation should not be construed as a representation that the rupee amounts have been or could be converted into United States dollars at that or any other rate, or at all.

Summary of significant accoun_3

Summary of significant accounting policies (Tables)	12 Months Ended
Summary of significant accounting policies (Tables)	Mar. 31, 2020
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%

Investments (Tables)

Investments (Tables)	12 Months Ended
Investments (Tables)	Mar. 31, 2020
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, 2019 and March 31, 2020 were as follows: As of March 31, 2019 2020 Amortized Cost Fair Value Amortized Cost Fair Value (In millions) Available for sale credit substitute debt securities: Debentures Rs. 247,869.1 Rs. 247,152.5 Rs. 236,717.2 Rs. 237,980.3 Commercial paper 25,681.6 25,734.3 124,024.3 124,393.4 Total Rs. 273,550.7 Rs. 272,886.8 Rs. 360,741.5 Rs. 362,373.7 US$ 4,785.0 US$ 4,806.7
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, 2019 and March 31, 2020 was as follows: As of March 31, 2019 Amortized Cost Gross Unrealized Gross Unrealized Fair Value (In millions) Government of India securities Rs. 134,084.9 Rs. 163.2 Rs. 0.1 Rs. 134,248.0 Other corporate/financial institution securities 33,990.6 15.8 1.1 34,005.3 Total debt securities Rs. 168,075.5 Rs. 179.0 Rs. 1.2 Rs. 168,253.3 Other securities (including mutual fund units) 96,935.6 327.2 — 97,262.8 Total Rs. 265,011.1 Rs. 506.2 Rs. 1.2 Rs. 265,516.1 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 Total US$ 4,036.5 US$ 9.3 US$ 0.7 US$ 4,045.1
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, 2019 and March 31, 2020 was as follows: As of March 31, 2019 Amortized Cost Gross Unrealized Gross Unrealized Fair Value (In millions) Government of India securities Rs. 2,147,934.6 Rs. 21,881.4 Rs. 9,834.9 Rs. 2,159,981.1 State government securities 144,633.7 4,864.6 475.7 149,022.6 Government securities outside India 7,201.6 3.3 — 7,204.9 Credit substitutes (see note 7) 273,550.7 899.9 1,563.8 272,886.8 Other corporate/financial institution bonds 3,925.0 30.9 6.3 3,949.6 Debt securities, other than asset and mortgage-backed securities 2,577,245.6 27,680.1 11,880.7 2,593,045.0 Mortgage-backed securities 56.3 1.0 0.4 56.9 Asset-backed securities 38,827.1 165.0 122.2 38,869.9 Other securities (including mutual fund units) (1) 1,376.3 0.3 — 1,376.6 Total Rs. 2,617,505.3 Rs. 27,846.4 Rs. 12,003.3 Rs. 2,633,348.4 Securities with gross unrealized losses Rs. 799,718.5 Securities with gross unrealized gains 1,833,629.9 Rs. 2,633,348.4 (1) The Bank adopted ASU 2016-01 and ASU 2018-03 as of April 1, 2018, resulting in a cumulative effect adjustment from AOCI to retained earnings for net unrealized gains on marketable equity securities AFS. The available-for sale category was eliminated for equity securities amortized cost Rs. 855.6 million and carrying value Rs. 1,267.7 million effective April 1, 2018. 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 Total US$ 44,312.6 US$ 905.8 US$ 36.2 US$ 45,182.2 Securities with gross unrealized losses Rs. 300,932.1 Securities with gross unrealized gains 3,105,357.1 Rs. 3,406,289.2 US$ 45,182.2
Unrealized loss position investments	The gross unrealized losses and fair value of available for sale debt securities at March 31, 2019 was as follows: As of March 31, 2019 Less Than 12 Months 12 Months or Greater Total Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized (In millions) Government of India securities Rs. — Rs. — Rs. 568,759.0 Rs. 9,834.9 Rs. 568,759.0 Rs. 9,834.9 State government securities — — 27,415.5 475.7 27,415.5 475.7 Government securities outside India — — — — — — Credit substitutes (see note 7) 17,996.3 88.1 165,700.5 1,475.7 183,696.8 1,563.8 Other corporate/financial institution bonds — — 2,117.6 6.3 2,117.6 6.3 Debt securities, other than asset and mortgage-backed securities 17,996.3 88.1 763,992.6 11,792.6 781,988.9 11,880.7 Mortgage-backed securities — — 45.7 0.4 45.7 0.4 Asset-backed securities 14,191.2 48.9 3,492.7 73.3 17,683.9 122.2 Other securities (including mutual fund units) — — — — — — Total Rs. 32,187.5 Rs. 137.0 Rs. 767,531.0 Rs. 11,866.3 Rs. 799,718.5 Rs. 12,003.3 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 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 Total US$ 1,627.1 US$ 14.7 US$ 2,364.5 US$ 21.5 US$ 3,991.6 US$ 36.2
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, 2020 is set out below: As of March 31, 2020 Amortized Cost Fair Value Fair Value (In millions) Within one year Rs. 1,112,389.9 Rs. 1,115,946.4 US$ 14,802.3 Over one year through five years 838,625.0 861,818.8 11,431.5 Over five years through ten years 916,798.3 946,302.3 12,552.1 Over ten years 345,526.5 353,232.1 4,685.4 Total Rs. 3,213,339.7 Rs. 3,277,299.6 US$ 43,471.3
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, 2020 is set out below: As of March 31, 2020 Amortized Cost Fair Value Fair Value (In millions) Within one year Rs. 47,973.3 Rs. 48,473.5 US$ 643.0 Over one year through five years 75,458.2 76,412.3 1,013.6 Over five years through ten years 1,576.5 1,621.6 21.5 Over ten years 960.5 1,057.9 14.0 Total Rs. 125,968.5 Rs. 127,565.3 US$ 1,692.1
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, 2018 2019 2020 2020 (In millions) Gross realized gains on sale Rs. 11,433.8 Rs. 3,788.1 Rs. 26,128.1 US$ 346.6 Gross realized losses on sale (580.6 ) (1,192.1 ) (301.9 ) (4.0 ) Realized gains (losses), net 10,853.2 2,596.0 25,826.2 342.6 Dividends and interest 158,209.2 190,992.5 198,383.2 2,631.4 Total Rs. 169,062.4 Rs. 193,588.5 Rs. 224,209.4 US$ 2,974.0

Credit substitutes (Tables)

Credit substitutes (Tables)	12 Months Ended
Credit substitutes (Tables)	Mar. 31, 2020
Credit substitutes by bank's internal credit quality indicators	The fair values of credit substitutes by the Bank’s internal credit quality indicators and amounts provided for other than temporary impairments is as follows: As of March 31, 2019 2020 2020 (In millions) Pass Rs.272,886.8 Rs.362,373.7 US$ 4,806.7 Impaired—gross balance — — — Less: amounts provided for other than temporary impairments — — — Impaired credit substitutes, net — — — Total credit substitutes, net Rs.272,886.8 Rs.362,373.7 US$ 4,806.7
Impaired credit substitutes	Impaired credit substitutes: As of March 31, 2019 2020 2020 (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
Loans (Tables)	Mar. 31, 2020
Loans by Facility	Loans by facility as of March 31, 2019 and March 31, 2020 were as follows: As of March 31, 2019 2020 2020 (In millions) Retail loans: Auto loans Rs. 951,744.2 Rs. 952,053.1 US$ 12,628.4 Personal loans/Credit cards 1,538,107.4 1,920,601.6 25,475.5 Retail business banking 1,478,317.8 1,658,770.3 22,002.5 Commercial vehicle and construction equipment finance 746,288.0 747,382.4 9,913.5 Housing loans 513,771.6 634,612.4 8,417.7 Other retail loans 1,009,674.6 1,127,380.6 14,954.0 Subtotal Rs. 6,237,903.6 Rs. 7,040,800.4 US$ 93,391.6 Wholesale loans Rs. 2,873,561.0 Rs. 3,583,055.2 US$ 47,527.0 Gross loans 9,111,464.6 10,623,855.6 140,918.6 Less: Allowance for credit losses 148,232.0 198,833.2 2,637.4 Total Rs. 8,963,232.6 Rs. 10,425,022.4 US$ 138,281.2
Financing Receivable, by Maturity	The maturity of gross loans as of March 31, 2020 is set out below: As of March 31, 2020 Wholesale loans Retail loans Total (In millions) Maturity profile of loans: Within one year Rs. 1,718,893.5 Rs. 2,140,034.9 Rs. 3,858,928.4 Over one year through five years 1,191,304.1 4,290,512.7 5,481,816.8 Over five years 672,857.6 610,252.8 1,283,110.4 Total gross loans Rs. 3,583,055.2 Rs. 7,040,800.4 Rs. 10,623,855.6 Total gross loans US$ 47,527.0 US$ 93,391.6 US$ 140,918.6
Financing Receivable Credit Quality Indicators	Gross loans analyzed by performance are as follows: As of March 31, 2019 2020 2020 (In millions) Performing Rs. 8,971,042.1 Rs. 10,466,428.7 US$ 138,830.5 Impaired 140,422.5 157,426.9 2,088.1 Total gross loans Rs. 9,111,464.6 Rs. 10,623,855.6 US$ 140,918.6
Past Due Financing Receivables	The following table provides details of age analysis of loans as of March 31, 2019 and March 31, 2020. As of March 31, 2019 31-90 days Impaired / Current 1,2 Total (In millions) Retail Loans Auto loans Rs. 4,807.0 Rs. 13,606.7 Rs. 933,330.5 Rs. 951,744.2 Personal loans/Credit card 11,520.2 15,781.5 1,510,805.7 1,538,107.4 Retail business banking 9,087.9 29,945.0 1,439,284.9 1,478,317.8 Commercial vehicle and construction equipment finance 9,225.0 11,254.9 725,808.1 746,288.0 Housing loans 784.9 2,157.1 510,829.6 513,771.6 Other retail 9,480.1 29,523.6 970,670.9 1,009,674.6 Wholesale loans 202.9 38,153.7 2,835,204.4 2,873,561.0 Total Rs. 45,108.0 Rs. 140,422.5 Rs. 8,925,934.1 Rs. 9,111,464.6 1) Loans up to 30 days past due are considered current 2) Includes crop related agricultural loans with days past due less than 366 as they are not considered as impaired Rs. 34.0 billion. As of March 31, 2020 31-90 days Impaired / Current 1,2 Total (In millions) Retail Loans Auto loans Rs. 4,049.3 Rs. 15,279.2 Rs. 932,724.6 Rs. 952,053.1 Personal loans/Credit card 16,819.3 14,481.7 1,889,300.6 1,920,601.6 Retail business banking 15,210.9 32,866.3 1,610,693.1 1,658,770.3 Commercial vehicle and construction equipment finance 17,679.2 22,992.2 706,711.0 747,382.4 Housing loans 3,330.9 2,921.3 628,360.2 634,612.4 Other retail 13,038.1 33,462.8 1,080,879.7 1,127,380.6 Wholesale loans 5,126.9 35,423.4 3,542,504.9 3,583,055.2 Total Rs. 75,254.6 Rs. 157,426.9 Rs. 10,391,174.1 Rs. 10,623,855.6 Total US$ 998.1 US$ 2,088.1 US$ 137,832.4 US$ 140,918.6 1) Loans up to 30 days past due are considered current 2) Includes crop related agricultural loans with days past due less than 366 as they are not considered as impaired Rs. 39.0 billion.
Impaired Financing Receivables	The following table provides details of impaired loans as of March 31, 2019 and March 31, 2020. As of March 31, 2019 Recorded Unpaid Related Average recorded Finance receivable non-accrual (In millions) Retail Loans Auto loans Rs. 13,606.7 Rs. 13,606.7 Rs. 6,169.0 Rs. 11,120.6 Rs. 13,606.7 Personal loans/Credit card 15,781.5 15,781.5 9,694.0 12,966.2 15,781.5 Retail business banking 29,945.0 29,945.0 21,595.3 27,746.1 29,945.0 Commercial vehicle and construction equipment finance 11,254.9 11,254.9 6,544.8 9,111.5 11,254.9 Housing loans 2,157.1 2,157.1 1,105.2 2,028.3 2,157.1 Other retail 29,523.6 29,523.6 20,441.5 26,114.0 29,523.6 Wholesale loans 38,153.7 38,153.7 20,233.2 35,483.3 38,153.7 Total Rs. 140,422.5 Rs. 140,422.5 Rs. 85,783.0 Rs. 124,570.0 Rs. 140,422.5 As of March 31, 2020 Recorded Unpaid Related Average recorded Finance receivable non-accrual (In millions) Retail Loans Auto loans Rs. 15,279.2 Rs. 15,279.2 Rs. 7,814.5 Rs. 14,443.0 Rs. 15,279.2 Personal loans/Credit card 14,481.7 14,481.7 8,535.1 15,131.6 14,481.7 Retail business banking 32,866.3 32,866.3 21,687.4 31,405.7 32,866.3 Commercial vehicle and construction equipment 22,992.2 22,992.2 11,607.3 17,123.6 22,992.2 Housing loans 2,921.3 2,921.3 1,414.7 2,539.2 2,921.3 Other retail 33,462.8 33,462.8 24,116.5 31,493.2 33,462.8 Wholesale loans 35,423.4 35,423.4 26,426.4 36,788.6 35,423.4 Total Rs. 157,426.9 Rs. 157,426.9 Rs. 101,601.9 Rs. 148,924.9 Rs. 157,426.9 Total US$ 2,088.1 US$ 2,088.1 US$ 1,347.7 US$ 1,975.4 US$ 2,088.1
Allowance for Credit Losses on Financing Receivables	Allowance for credit losses as of March 31, 2018 are as follows: As of March 31, 2018 Specific Unallocated Retail Auto loans Personal Retail Commercial Housing Other Wholesale Retail Wholesale Total (In millions) Allowance for credit losses, Rs. 2,792.9 Rs. 4,040.0 Rs. 15,278.4 Rs. 4,398.5 Rs. 739.3 Rs. 6,767.5 Rs. 11,713.5 Rs. 28,110.6 Rs. 4,656.2 Rs. 78,496.9 Write-offs (6,826.4 ) (16,714.3 ) (5,730.0 ) (3,644.0 ) (61.5 ) (4,557.4 ) (444.7 ) — — (37,978.3 ) Net allowance for credit losses* 7,715.7 18,856.9 9,161.0 4,051.6 296.6 10,712.7 4,054.2 14,036.8 3,103.1 71,988.6 Allowance for credit losses, end Rs. 3,682.2 Rs. 6,182.6 Rs. 18,709.4 Rs. 4,806.1 Rs. 974.4 Rs. 12,922.8 Rs. 15,323.0 Rs. 42,147.4 Rs. 7,759.3 Rs. 112,507.2 Allowance for credit losses: Allowance individually Rs. — Rs. — Rs. — Rs. — Rs. — Rs. — Rs. 15,323.0 Rs. — Rs. — Rs. 15,323.0 Allowance collectively evaluated 3,682.2 6,182.6 18,709.4 4,806.1 974.4 12,922.8 — 42,147.4 7,759.3 97,184.2 Loans: Loans individually — — — — — — 32,812.8 — — 32,812.8 Loans collectively 8,634.5 10,150.9 25,547.2 6,968.1 1,899.5 22,704.3 — 5,137,460.1 2,130,001.6 7,343,366.2 * Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 12,590.8 million. Recoveries from r w Allowances for credit losses as of March 31, 2019 are as follows: As of March 31, 2019 Specific Unallocated Retail Auto loans Personal Retail Commercial Housing Other Wholesale Retail Wholesale Total (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-offs (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 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 cases amounting to Rs 16,777.1 million. Recoveries from r Allowances 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 Total (In millions) Allowance for Rs. 6,169.0 Rs. 9,694.0 Rs. 21,595.3 Rs. 6,544.8 Rs. 1,105.2 Rs. 20,441.5 Rs. 20,233.2 Rs. 52,941.1 Rs. 9,507.9 Rs. 148,232.0 US$ 1,966.2 Write-offs (11,524.3 ) (41,646.3 ) (9,379.0 ) (10,838.5 ) (130.3 ) (12,833.1 ) (6,328.1 ) — — (92,679.6 ) (1,229.3 ) Net allowance for credit losses* 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 1,900.5 Allowance for 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 US$ 2,637.4 Allowance for credit losses: Allowance individually evaluated for impairment Rs. — Rs. — Rs. — Rs. — Rs. — Rs. — Rs. 26,426.4 Rs. — Rs. — Rs. 26,426.4 US$ 350.5 Allowance collectively evaluated for impairment 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 2,286.9 Loans: Loans individually evaluated — — — — — — 35,423.4 — — 35,423.4 469.9 Loans collectively evaluated for impairment 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 10,588,432.2 140,448.8 * Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 25,658.9 million (US$ 340.3 million). Recoveries from r
Troubled Debt Restructurings Modifications	The following table summarizes the Bank’s TDR modifications during the fiscal year ended March 31, 2019 and March 31, 2020 presented by primary modification type and includes the financial effects of these modifications. Fiscal year ended March 31, 2019 Carrying TDRs involving (1) TDRs involving (2) TDRs involving Balance of Net P&L (3) (In millions) Retail Loans: Retail business banking Rs. 17.9 Rs. — Rs. 17.9 Rs. — Rs. — Rs. 4.5 Commercial vehicle and construction equipment finance — — — — — — Wholesale loans — — — — — — Total (4) Rs. 17.9 Rs. — Rs. 17.9 Rs. — Rs. — Rs. 4.5 (1) TDRs involving changes in the amount of principal payment may include principal forgiveness or deferral of periodic and/or final principal payments. (2) TDRs involving changes in the amount of interest payments may involve a reduction in interest rate. (3) Balances reflect charge-offs and/or allowance for credit losses and/or income not recognized/deferred. (4) TDR modification during the year ended March 31, 2019 comprised of one case. Fiscal year ended March 31, 2020 Carrying TDRs involving (1) TDRs involving (2) TDRs involving Balance of Net P&L (3) (In millions) Retail Loans: Retail business banking Rs. 964.1 Rs. — Rs. 964.1 Rs. — Rs. — Rs. 43.1 Commercial vehicle and construction equipment — — — — — — Wholesale loans — — — — — — Total (4) Rs. 964.1 Rs. — Rs. 964.1 Rs. — Rs. — Rs. 43.1 Total (4) US$ 12.8 US$ — US$ 12.8 US$ — US$ — US$ 0.6 (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 s The table below summarizes TDRs that have defaulted in the current period within 12 months of their modification date. The defaulted TDRs are based on a payment default definition of 90 days past due. As of March 31, 2020 recorded investments (In millions) Retail loans: Retail business banking Rs. 17.9 Commercial vehicle and construction equipment finance — Wholesale loans — Total Rs. 17.9 Total US$ 0.2 Interest on loans by facility are as follows: Fiscal year ended March 31, 2018 2019 2020 2020 (In millions) Wholesale loans Rs. 152,124.6 Rs. 199,928.0 Rs. 245,504.7 US$ 3,256.5 Retail loans 515,334.1 627,755.0 736,290.1 9,766.4 Total Rs. 667,458.7 Rs. 827,683.0 Rs. 981,794.8 US$ 13,022.9
Retail Loans
Financing Receivable Credit Quality Indicators	Retail Loans Credit quality indicator based on payment activity as of March 31, 2019 and as of March 31, 2020 is given below: As of March 31, 2019 Auto loans Personal loans/ Retail business Commercial Housing loans Other retail Total (In millions) Performing Rs. 938,137.5 Rs. 1,522,325.9 Rs. 1,448,372.8 Rs. 735,033.1 Rs. 511,614.5 Rs. 980,151.0 Rs. 6,135,634.8 Impaired 13,606.7 15,781.5 29,945.0 11,254.9 2,157.1 29,523.6 102,268.8 Total Rs. 951,744.2 Rs. 1,538,107.4 Rs. 1,478,317.8 Rs. 746,288.0 Rs. 513,771.6 Rs. 1,009,674.6 Rs. 6,237,903.6 As of March 31, 2020 Auto loans Personal loans/ Retail business Commercial Housing loans Other retail Total (In millions) Performing Rs. 936,773.9 Rs. 1,906,119.9 Rs. 1,625,904.0 Rs. 724,390.2 Rs. 631,691.1 Rs. 1,093,917.8 Rs. 6,918,796.9 Impaired 15,279.2 14,481.7 32,866.3 22,992.2 2,921.3 33,462.8 122,003.5 Total Rs. 952,053.1 Rs. 1,920,601.6 Rs. 1,658,770.3 Rs. 747,382.4 Rs. 634,612.4 Rs. 1,127,380.6 Rs. 7,040,800.4 Total US$ 12,628.4 US$ 25,475.5 US$ 22,002.5 US$ 9,913.5 US$ 8,417.7 US$ 14,954.0 US$ 93,391.6
Wholesale loans
Financing Receivable Credit Quality Indicators	Wholesale Loans The Bank has in place a process of grading each borrower according to its financial health and the performance of its business and each borrower is graded as pass/labeled/impaired. Wholesale loans that are not impaired are disclosed as pass or labeled and considered to be performing. Labeled loans are those with evidence of weakness where such exposures indicate deteriorating trends which if not corrected could adversely impact repayment of the obligations. The Bank’s model assesses the overall risk over four major categories – industry risk, business risk, management risk and financial risk. The inputs in each of the categories are combined to provide an aggregate numerical rating, which is a function of the aggregate weighted scores based on the assessment under each of these four risk categories. As of March 31, 2019 2020 2020 (In millions) Credit quality indicators-Internally assigned grade Pass Rs. 2,834,466.7 Rs. 3,524,290.5 US$ 46,747.5 Labeled 940.6 23,341.3 309.6 Impaired 38,153.7 35,423.4 469.9 Total Rs. 2,873,561.0 Rs. 3,583,055.2 US$ 47,527.0
Receivable By Industry
Impaired Financing Receivables	Impaired loans by industry as of March 31, 2019 and March 31, 2020 are as follows: As of March 31, 2019 (In millions) Gross impaired loans by industry: —Consumer Loans Rs. 22,513.7 —Agriculture Production—Food 18,915.0 —Wholesale Trade- Non Industrial 15,856.7 —Food and Beverage 8,577.3 —Retail Trade 7,767.0 —Others (none greater than 5% of impaired loans) 66,792.8 Total Rs. 140,422.5 As of March 31, 2020 (In millions) Gross impaired loans by industry: —Agri Production—Food Rs. 22,546.3 US$ 299.1 —Consumer Loans 21,718.9 288.1 —Road Transportation 13,067.6 173.3 —Retail Trade 8,823.1 117.0 —Food and Beverage 8,137.5 107.9 —Others (none greater than 5% of impaired loans) 83,133.5 1,102.7 Total Rs. 157,426.9 US$ 2,088.1 Summary information relating to impaired loans during the fiscal year ended March 31, 2018, March 31, 2019 and March 31, 2020 is as follows: Fiscal year ended March 31, 2018 2019 2020 2020 (In millions) Average impaired loans, net of allowance Rs. 41,683.2 Rs. 50,378.2 Rs. 55,232.3 US$ 732.6 Interest income recognized on impaired loans Rs. 7,433.7 Rs. 6,994.7 Rs. 10,160.5 US$ 134.8

Sales_transfer of receivables (

Sales/transfer of receivables (Tables)	12 Months Ended
Sales/transfer of receivables (Tables)	Mar. 31, 2020
Cash Flows Received From Customers And Paid To Securitization Special Purpose Entities Transferees	The following table summarizes the cash flows received during the years ended March 31, 2018, March 31, 2019 and March 31, 2020 from customers and paid to SPEs/transferees on securitized/ transferred performing loans: Fiscal year ended March 31, 2018 2019 2020 202 0 (In millions) Cash flow information Collections against securitized receivables/transfers Rs. 303.9 Rs. 233.5 Rs. 142.9 US$ 1.9 Payments made 301.8 237.7 139.3 1.8 Cash flows on retained interests Rs. 3.8 Rs. 2.1 Rs. 6.1 US$ 0.1
Key Disclosures of Transferred Financial Assets with Continuing Involvement	Other key disclosures are as follows: As of March 31, 2019 2020 2020 (In millions) Transferred receivables with continuing involvement Rs. 398.4 Rs. 301.1 US$ 4.0 Delinquencies 253.8 262.0 3.5 Credit losses 242.0 256.4 3.4 Retained interest in sold receivables 15.9 12.1 0.2
Schedule of Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets, or Servicing Liabilities	The table below outlines the economic assumptions and the sensitivity of the estimated fair value of retained interests in finance receivables as of March 31, 2019 and March 31, 2020 to immediate 10% and 20% changes in those assumptions: As of March 31, 2019 2020 2020 (In millions) Fair value of retained interests Annual prepayment rate: Impact of 10% adverse change Rs. 1.7 Rs. 1.3 US$ — Impact of 20% adverse change 3.3 2.5 — Expected credit losses: Impact of 10% adverse change 2.3 1.8 — Impact of 20% adverse change 4.5 3.6 —

Concentrations of credit risk (

Concentrations of credit risk (Tables)	12 Months Ended
Concentrations of credit risk (Tables)	Mar. 31, 2020
Schedules of Concentration of Risk, by Risk Factor	The Bank’s portfolio of loans, credit substitute securities and non-funded exposure (including derivatives) is broadly diversified along industry and product lines, and as of March 31, 2019 and March 31, 2020 the exposures are as set forth below. As of March 31, 2019 Category Gross loans Fair Values Of Non-funded Total % (In millions, except percentages) Consumer Loans Rs. 2,477,945.6 Rs. — Rs. 1,552.1 Rs. 2,479,497.7 23.5 Retail trade 445,757.8 1,170.7 15,051.6 461,980.1 4.4 NBFC/Financial Intermediaries 311,477.1 98,274.0 13,203.1 422,954.2 4.0 Automobile & Auto Ancillary 352,979.1 10,413.9 32,546.7 395,939.7 3.8 Road Transportation 376,547.1 — 9,808.2 386,355.3 3.7 Consumer Services 354,060.4 3,957.3 13,757.6 371,775.3 3.5 Agriculture Production — Food 330,092.5 — 728.8 330,821.3 3.1 Power 251,169.4 37,188.7 39,998.4 328,356.5 3.1 Telecom 246,272.4 21,288.6 26,245.9 293,806.9 2.8 Real Estate & Property Services 257,056.8 1,978.8 33,482.7 292,518.3 2.8 Engineering 159,462.7 1,557.3 120,816.0 281,836.0 2.7 Food & Beverage 233,798.9 — 15,325.7 249,124.6 2.4 Business Services 236,853.7 249.2 11,318.3 248,421.2 2.4 Iron & Steel 195,488.6 5,514.4 44,149.5 245,152.5 2.3 Coal & Petroleum Products 92,504.7 705.0 150,857.5 244,067.2 2.3 Wholesale Trade — Industrial 192,708.4 67.8 29,835.7 222,611.9 2.1 Textiles & Garments 187,527.5 4,436.1 26,803.8 218,767.4 2.1 Infrastructure Development 128,273.5 9,035.5 79,596.8 216,905.8 2.1 Wholesale Trade — Non Industrial 200,089.4 248.3 12,218.2 212,555.9 2.0 Others (none greater than 2%) 2,081,399.0 76,801.2 470,669.6 2,628,869.8 24.9 Total Rs. 9,111,464.6 Rs. 272,886.8 Rs. 1,147,966.2 Rs. 10,532,317.6 100.0 As of March 31, 2020 Category Gross loans Fair Values Of Non-funded Total Total % (In millions, except percentages) Consumer Loans Rs. 2,958,437.7 Rs. 2,756.6 Rs. 446.4 Rs. 2,961,640.7 US$ 39,284.3 24.3 Retail Trade 533,155.3 343.7 22,820.3 556,319.3 7,379.2 4.6 Power 458,628.1 48,997.7 41,445.6 549,071.4 7,283.1 4.5 Consumer Services 399,046.4 2,015.1 19,135.9 420,197.4 5,573.6 3.4 Engineering 240,196.0 12,255.3 144,296.9 396,748.2 5,262.6 3.2 NBFC 317,450.0 76,860.2 1,659.1 395,969.3 5,252.3 3.2 Road Transportation 376,334.2 495.3 10,849.7 387,679.2 5,142.3 3.2 Automobile & Auto Ancillary 330,632.5 18,397.9 33,037.0 382,067.4 5,067.9 3.1 Real Estate & Property Services 280,870.4 4,309.5 36,335.2 321,515.1 4,264.7 2.6 Agri Production — Food 313,143.6 — 833.3 313,976.9 4,164.7 2.6 Coal & Petroleum Products 136,531.9 33,834.9 115,440.2 285,807.0 3,791.0 2.3 Food and Beverage 260,907.9 1,391.3 21,853.6 284,152.8 3,769.1 2.3 Financial Institutions 219,417.5 59,118.8 2,058.7 280,595.0 3,721.9 2.3 Iron and Steel 231,524.9 1,144.7 45,235.4 277,905.0 3,686.2 2.3 Telecom 232,932.0 10,412.6 29,949.6 273,294.2 3,625.1 2.2 Infrastructure Development 165,578.8 2,457.1 104,731.8 272,767.7 3,618.1 2.2 Business Services 244,028.7 2,278.5 15,953.3 262,260.5 3,478.7 2.1 Wholesale Trade — Non 238,436.5 — 18,766.1 257,202.6 3,411.6 2.1 Wholesale Trade — Industrial 211,849.6 34.2 34,840.2 246,724.0 3,272.6 2.0 Others (none greater than 2%) 2,474,753.6 85,270.3 525,004.6 3,085,028.5 40,920.9 25.5 Total Rs. 10,623,855.6 Rs. 362,373.7 Rs. 1,224,692.9 Rs. 12,210,922.2 US$ 161,969.9 100.0
Exposure to ten largest borrowers
Fair Value, Concentration of Risk	The Bank’s ten largest exposures as of March 31, 2019 and March 31, 2020, based on the higher of the outstanding balance or the limit on loans, investments (including credit substitutes) and non-funded exposures (including derivatives), are as follows: As of March 31, 2019 Funded Non-Funded Total (In millions) Borrower 1 Rs. 146,141.2 Rs. 6,457.1 Rs. 152,598.3 Borrower 2 27,488.9 115,089.5 142,578.4 Borrower 3 120,004.3 312.8 120,317.1 Borrower 4 92,271.4 1,200.0 93,471.4 Borrower 5 80,008.5 32.6 80,041.1 Borrower 6 57,604.0 14,843.9 72,447.9 Borrower 7 32,948.9 34,806.0 67,754.9 Borrower 8 51,283.8 15,163.0 66,446.8 Borrower 9 43,602.4 22,513.2 66,115.6 Borrower 10 30,559.1 26,347.9 56,907.0 As of March 31, 2020 Funded Non-Funded Total Total (In millions) Borrower 1 Rs. 243,382.8 Rs. 1,200.0 Rs. 244,582.8 US$ 3,244.2 Borrower 2 180,100.0 305.1 180,405.1 2,393.0 Borrower 3 163,738.7 610.9 164,349.6 2,180.0 Borrower 4 74,421.4 75,432.2 149,853.6 1,987.7 Borrower 5 135,455.0 — 135,455.0 1,796.7 Borrower 6 31,934.6 55,651.4 87,586.0 1,161.8 Borrower 7 63,228.0 15,355.2 78,583.2 1,042.4 Borrower 8 75,035.9 221.6 75,257.5 998.2 Borrower 9 75,027.7 182.8 75,210.5 997.6 Borrower 10 51,361.3 22,128.1 73,489.4 974.8

Property and equipment (Tables)

Property and equipment (Tables)	12 Months Ended
Property and equipment (Tables)	Mar. 31, 2020
Property, Plant and Equipment	Property and equipment by asset category is as follows: As of March 31, 2019 2020 2020 (In millions) Land and premises Rs. 18,836.5 Rs. 19,567.6 US$ 259.5 Software and systems 29,855.2 33,433.9 443.5 Equipment and furniture 73,601.8 82,179.1 1,090.1 Property and equipment, at cost 122,293.5 135,180.6 1,793.1 Less: Accumulated depreciation 79,105.7 86,852.9 1,152.1 Property and equipment, net Rs. 43,187.8 Rs. 48,327.7 US$ 641.0

Other assets (Tables)

Other assets (Tables)	12 Months Ended
Other assets (Tables)	Mar. 31, 2020
Other Assets Disclosure	Other assets include the following: As of March 31, 2019 2020 2020 (In millions) Security deposits for leased property Rs. 5,112.9 Rs. 5,410.3 US$ 71.8 Sundry accounts receivable 49,465.6 55,379.5 734.6 Advance income tax (net of current tax expense) 18,785.7 25,140.7 333.5 Advances 4,213.1 7,639.3 101.3 Prepaid expenses 1,356.7 1,374.6 18.2 Deposits/Margins paid 8,319.8 15,226.9 202.0 Derivatives (refer to note 24) 132,524.1 190,537.6 2,527.4 Term placements 115,428.4 109,372.8 1,450.8 Receivable on account of trade date 4,890.7 221,960.9 2,944.1 Right-of-use assets — 60,756.9 805.9 Others * 55,636.0 44,552.6 590.9 Total Rs. 395,733.0 Rs. 737,352.1 US$ 9,780.5 * Effective April 1, 2018, the Bank adopted ASU 2016-01. The equity securities that were previously reported as AFS securities were reclassified to other assets with carrying value amounting to Rs. 1,267.7 million. Others include equity securities with carrying value amounting to Rs. 11,483.4 million and Rs. 11,611.2 million as at March 31, 2019 and March 31, 2020, respectively. Equity securities include non-marketable equity securities carried at cost Rs. 459.4 million and Rs. 696.9 million as at March 31, 2019 and March 31, 2020, respectively. Unrealized gain \ (loss) recognized in non-interest revenue–other, net Rs 6,717.5 million and Rs. (131.1) million for the fiscal year ended March 31, 2019 and March 31, 2020, respectively.

Deposits (Tables)

Deposits (Tables)	12 Months Ended
Deposits (Tables)	Mar. 31, 2020
Deposit Liabilities Table Disclosures	Deposits include demand deposits, which are non-interest-bearing, and savings and time deposits, which are interest-bearing. Deposits as of March 31, 2019 and March 31, 2020 were as follows: As of March 31, 2019 2020 2020 (In millions) Interest-bearing: Savings deposits Rs. 2,487,001.6 Rs. 3,103,769.5 US$ 41,169.5 Time deposits 5,317,715.9 6,626,711.8 87,899.1 Total interest-bearing deposits 7,804,717.5 9,730,481.3 129,068.6 Non-interest-bearing deposits 1,420,309.4 1,731,590.0 22,968.4 Total Rs. 9,225,026.9 Rs. 11,462,071.3 US$ 152,037.0
Time Deposits By Maturity	As of March 31, 20 20 As of March 31, 2020 (In millions) Due to mature in the fiscal year ending March 31: 2021 Rs. 5,233,225.0 US$ 69,415.4 2022 992,908.7 13,170.3 2023 251,362.6 3,334.2 2024 66,752.1 885.4 2025 49,990.3 663.1 Thereafter 32,473.1 430.7 Total Rs. 6,626,711.8 US$ 87,899.1

Short-term borrowings (Tables)

Short-term borrowings (Tables)	12 Months Ended
Short-term borrowings (Tables)	Mar. 31, 2020
Short-Term Borrowings	Short-term borrowings are mainly comprised of money market borrowings which are unsecured and are utilized As of March 31, 2019 2020 2020 (In millions) Borrowed in the call market Rs. 9,155.9 Rs. 11,339.8 US$ 150.4 Term borrowings from institutions/banks 363,921.2 73,737.9 978.1 Foreign currency borrowings 280,980.9 292,339.9 3,877.7 Total Rs. 654,058.0 Rs. 377,417.6 US$ 5,006.2 Total borrowings outstanding: Maximum amount outstanding Rs. 957,026.5 Rs. 971,364.0 US$ 12,884.5 Average amount outstanding Rs. 705,161.6 Rs. 493,786.9 US$ 6,549.8 Weighted average interest rate 5.3 % 3.2 % 3.2 %

Long-term debt (Tables)

Long-term debt (Tables)	12 Months Ended
Long-term debt (Tables)	Mar. 31, 2020
Schedule of Long-term Debt Instruments	The below table presents the balance of long-term debt as of March 31, 2019 and March 31, 2020 and the related contractual rates and maturity dates: As of, March 31, 2019 March 31, 2020 Maturity / Stated interest rates Total Maturity / Stated interest rates Total Total (In millions) Subordinated debt Subordinated debt (other than perpetual debt) 2021-2029 7.56% to 10.20% Rs. 128,315.8 2021-2030 7.56% to 10.20% Rs. 133,730.8 US$ 1,773.9 Perpetual debt 2023-2029 8.85% to 9.40% 82,997.9 2023-2030 8.84% to 9.70% 84,972.7 1,127.1 Others* Variable rate—(1) 2020-2022 3.30% to 3.88% 36,288.8 2021-2023 0.80% to 2.87% 59,018.7 782.8 Variable rate—(2) 2020-2024 8.25% to 10.05% 116,615.2 2021-2024 7.50% to 8.95% 118,083.8 1,566.3 Fixed rate—(1) 2020-2029 4.60% to 9.56% 680,335.3 2021-2030 4.15% to 9.56% 630,712.3 8,366.0 Total Rs. 1,044,553.0 Rs. 1,026,518.3 US$ 13,616.1 * 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.
Maturities of Long-Term Debt Disclosures	The scheduled maturities of long-term debt are set out below: As of March 31, 2020 (In millions) Due in the twelve months ending March 31: 2021 Rs. 223,540.8 US$ 2,965.1 2022 125,258.5 1,661.5 2023 192,835.2 2,557.8 2024 58,948.6 781.9 2025 60,797.6 806.4 Thereafter 280,164.9 3,716.2 Total (1) Rs. 941,545.6 US$ 12,488.9 (1) The scheduled maturities of long-term debt do not include perpetual bonds of Rs. 84,972.7 million (net of debt issuance cost).
Long-term Debt
Schedule of Long-term Debt Instruments	Long-term debt as of March 31, 2019 and March 31, 2020 comprised of the following: As of March 31, 2019 2020 2020 (In millions) Subordinated debt Rs. 211,320.0 Rs. 218,755.0 US$ 2,901.6 Others* 833,265.2 808,222.0 10,720.5 Less: Debt issuance cost (32.2 ) (458.7 ) (6.0 ) Total Rs. 1,044,553.0 Rs. 1,026,518.3 US$ 13,616.1 * Includes securities sold under repurchase agreements amounting to Rs. 17,260.0 million (USD 228.9 million a -

Accrued expenses and other li_2

Accrued expenses and other liabilities (Tables)	12 Months Ended
Accrued expenses and other liabilities (Tables)	Mar. 31, 2020
Accrued Expenses and Other Liabilities	Accrued expenses and oth e As of March 31, 2019 2020 2020 (In millions) Bills payable Rs. 70,404.0 Rs. 75,837.2 US$ 1,005.9 Remittances in transit 41,721.1 35,507.3 471.0 Accrued expenses 57,816.9 54,898.3 728.2 Accounts payable 88,212.9 103,386.2 1,371.4 Derivatives (refer to note 24) 128,449.0 184,783.0 2,451.0 Lease liabilities — 65,615.1 870.3 Others 80,834.7 91,300.1 1,211.0 Total Rs.467,438.6 Rs.611,327.2 US$ 8,108.8

Accumulated other comprehensi_2

Accumulated other comprehensive income (Tables)	12 Months Ended
Accumulated other comprehensive income (Tables)	Mar. 31, 2020
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, 2019 and March 31, 2020. Available for Foreign currency Total (In millions) Balance, March 31, 2018 Rs. (4,467.3 ) Rs. 670.6 Rs. (3,796.7 ) Adjustment to Other Comprehensive Income (268.0 ) — (268.0 ) Net unrealized gain/(loss) arising during the 17,105.1 663.9 17,769.0 Amounts reclassified to income (1,895.5 ) — (1,895.5 ) Balance, March 31, 2019 Rs. 10,474.3 Rs. 1,334.5 Rs. 11,808.8 Balance, March 31, 2019 Rs. 10,474.3 Rs. 1,334.5 Rs. 11,808.8 Net unrealized gain/(loss) arising during the 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 US$ 652.9 US$ 41.2 US$ 694.1
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, 2019 and March 31, 2020. As of March 31, 2019 2020 2020 (In millions) Available for sale debt securities: Realized (gain)/loss on sales of available for sale debt securities, net Rs. (3,994.6 ) Rs. (22,671.3 ) US$ (300.7 ) Other than temporary impairment losses on available for sale debt securities 1,081.0 9,109.0 120.8 Total before income tax Rs. (2,913.6 ) Rs. (13,562.3 ) US$ (179.9 ) Income tax 1,018.1 4,739.2 62.9 Net of income tax Rs. (1,895.5 ) Rs. (8,823.1 ) US$ (117.0 )

Non-interest revenue (Tables)

Non-interest revenue (Tables)	12 Months Ended
Non-interest revenue (Tables)	Mar. 31, 2020
Summary of Disaggregation of Revenue	The table below presents the fees and commissions disaggregated by revenue source for the fiscal years ended March 31, 2018, March 31, 2019 and March 31, 2020. Fiscal years ended March 31, 2018 2019 2020 2020 (In millions) Deposit related fees Rs. 22,424.9 Rs. 25,383.0 Rs. 29,031.9 US$ 385.1 Lending related fees 31,791.6 30,176.2 30,699.9 407.2 Third-party products related fees 20,908.1 22,000.4 28,169.6 373.7 Payments and cards business fees 34,551.4 47,012.4 58,899.3 781.3 Others 10,384.9 9,583.2 13,298.8 176.3 Fees and commissions Rs. 120,060.9 Rs. 134,155.2 Rs. 160,099.5 US$ 2,123.6 The table below presents the fees and commission disaggregated by segment for the fiscal years ended March 31, 2018, March 31, 2019 and March 31, 2020. Fiscal year ended March 31, 2018 2019 2020 2020 (In millions) Retail Banking Rs. 110,927.2 Rs. 123,070.6 Rs. 146,855.7 US$ 1,947.9 Wholesale Banking 8,985.0 10,839.6 13,041.6 173.0 Treasury Services 148.7 245.0 202.2 2.7 Fees and commissions Rs. 120,060.9 Rs. 134,155.2 Rs. 160,099.5 US$ 2,123.6

Income taxes (Tables)

Income taxes (Tables)	12 Months Ended
Income taxes (Tables)	Mar. 31, 2020
Income Tax Disclosure Table	Income tax expense is comprised of the following: Fiscal year ended March 31, 2018 2019 2020 2020 (In millions) Current tax expense Rs. 108,676.0 Rs. 128,050.2 Rs. 105,587.8 US$ 1,400.6 Deferred tax (benefit) expense (10,403.5 ) (8,129.4 ) (101.2 ) (1.3 ) Interest on income tax refund — (527.3 ) (6.6 ) (0.2 ) Income tax expense Rs. 98,272.5 Rs. 119,393.5 Rs. 105,480.0 US$ 1,399.1
Reconciliation Of Statutory Federal Tax Rate	The following is the reconciliation of income taxes at the Indian statutory income tax rate to income tax expense as reported: Fiscal year ended March 31, 2018 2019 2020 2020 (In millions) Income before income tax expense Rs. 277,106.4 Rs. 339,959.0 Rs. 365,844.0 US$ 4,852.8 Statutory income tax rate 34.61 % 34.94 % 25.17 % 25.17 % Expected income tax expense 95,901.0 118,795.3 92,075.6 1,221.3 Adjustments to reconcile expected income tax to actual tax expense Interest on income tax refund — (343.0 ) (4.9 ) (0.1 ) Stock-based compensation 2,282.3 1,867.2 1,881.6 25.0 Income exempt from taxes (524.8 ) (1,422.8 ) (744.2 ) (9.9 ) Effect of change in statutory income tax rate (209.2 ) — 11,213.2 148.7 Others, net 823.2 496.8 1,058.7 14.1 Income tax expense Rs. 98,272.5 Rs. 119,393.5 Rs. 105,480.0 US$ 1,399.1
Components of Deferred Tax Assets and Liabilities	The tax effects of significant temporary differences are as follows: As of March 31, 2019 2020 2020 (In millions) Tax effect of: Deductible temporary differences: Allowance for loan losses Rs. 39,604.8 Rs. 37,561.2 US$ 498.2 Lease liabilities — 16,514.0 219.0 Employee benefits 2,063.1 1,415.0 18.8 Accrued expenses and other liabilities 4,310.4 3,381.2 44.8 Others 1,874.4 1,769.4 23.5 Deferred tax asset 47,852.7 60,640.8 804.3 Taxable temporary differences: Right-of-use assets — 16,514.0 219.0 Unrealized gain on securities available for sale 5,680.2 16,644.6 220.8 Loan origination cost and fees 5,606.3 3,373.3 44.7 Investments, others 2,677.0 1,510.2 20.0 Deferred tax liability 13,963.5 38,042.1 504.5 Net deferred tax asset (liability) Rs. 33,889.2 Rs. 22,598.7 US$ 299.8
Reconciliation Of Unrecognized Tax Benefits	A reconciliation of the beginning and ending b a Fiscal year ended March 31, 2019 2020 202 0 (In millions) Opening balance Rs. 648.3 Rs. 14,448.1 US$ 191.6 Increase related to prior year tax positions 13,799.8 16,274.4 215.9 Increase related to current year tax positions Rs. — Rs. 6,380.7 US$ 84.6 Closing balance Rs. 14,448.1 Rs. 37,103.2 US$ 492.1

Stock-based compensation (Table

Stock-based compensation (Tables)	12 Months Ended
Stock-based compensation (Tables)	Mar. 31, 2020
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, 2018 2019 2020 Dividend yield 0.65%-0.66% 0.62%-0.65% 0.61%-0.85% Expected volatility 19.94%-21.65% 14.53%-18.68% 15.30%-20.13% Risk-free interest rate 6.73%-7.20% 7.23%-8.31% 5.81%-6.70% Expected term (in years) 4.66-6.06 2.78-5.16 2.82-5.42
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 2018 2019 2020 Options available to be granted, beginning of period 267,347,300 235,683,200 202,413,370 Equity shares allocated for grant under the plan — — — Options granted (33,764,100 ) (39,790,000 ) (47,773,600 ) Forfeited/lapsed 2,100,000 6,520,170 4,847,580 Options available to be granted, end of period 235,683,200 202,413,370 159,487,350 Activity in the options outstanding under the Employee Stock Option Scheme is as follows: Years ended March 31, 2018 2019 2020 Options Weighted Options Weighted Options Weighted Options outstanding, beginning of period 184,312,600 Rs. 452.48 150,887,600 Rs. 525.11 136,612,822 Rs. 682.99 Granted 33,764,100 716.61 39,790,000 1,030.24 47,773,600 1,220.13 Exercised (65,089,100 ) 418.80 (47,544,608 ) 462.89 (36,673,240 ) 504.10 Forfeited (1,973,600 ) 527.80 (6,410,770 ) 759.21 (4,813,580 ) 965.64 Lapsed (126,400 ) 481.72 (109,400 ) 418.55 (34,000 ) 568.10 Options outstanding, end of period 150,887,600 Rs. 525.11 136,612,822 Rs. 682.99 142,865,602 Rs. 899.03 Options exercisable, end of period 93,620,500 Rs. 450.72 80,609,722 Rs. 508.89 64,464,392 Rs. 638.18 Weighted average fair value of options granted during the year Rs. 232.09 Rs. 262.79 Rs. 305.78
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, 2020: As of March 31, 2020 Plan Range of exercise price Number of Weighted Weighted Plan C Rs.340.00 to Rs.417.75 (or US$ 4.51 to US$ 5.54) 485,100 0.34 344.05 Plan D Rs.340.00 (or US$ 5.51) 345,900 0.30 340.00 Plan E Rs.340.00 (or US$ 5.51) 1,705,500 0.30 340.00 Plan F Rs.417.75 to Rs. 731.08 (or US$ 5.54 to US$ 9.70) 58,568,822 2.02 587.08 Plan G Rs.882.85 to Rs. 1,229.00 (or US$ 11.71 to US$ 16.30) 81,760,280 3.45 1,139.82

Retirement benefits (Tables)

Retirement benefits (Tables)	12 Months Ended
Retirement benefits (Tables)	Mar. 31, 2020
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, 2019 and March 31, 2020 are summarized in the table below. As of March 31, 2019 As of March 31, 2020 Level 1 Level 2 Level 3 Level 1 Level 2 Level 3 (In millions) Funds managed by insurance company (1) Rs. — Rs. — Rs. 625.0 Rs. — Rs. — Rs. 600.2 Funds managed by insurance company (2) — 4,632.5 — — 4,937.3 — Funds managed by trust — Government securities — 106.6 — — 110.8 — — Debenture and bonds — 320.1 — — 108.7 — — Others 37.1 — — 118.0 — — Total Rs. 37.1 Rs. 5,059.2 Rs. 625.0 Rs. 118.0 Rs. 5,156.8 Rs. 600.2 US$ 1.6 US$ 68.4 US$ 8.0
Schedule of Effect of Significant Unobservable Inputs, Changes in Plan Assets	The table below presents a reconciliation of all Plan investment assets measured at fair value using significant unobservable inputs (Level 3) during fiscal 2019 and 2020. Funds managed by Insurance 2019 2020 2020 (In millions) Particulars Opening balance Rs. 519.9 Rs. 625.0 US$ 8.3 Realized interest credited to fund 36.7 48.0 0.6 Contribution during the period 88.6 89.5 1.2 Amount paid towards claim (20.2 ) (162.3 ) (2.1 ) Closing balance Rs. 625.0 Rs. 600.2 US$ 8.0
Gratuity
Schedule of Defined Benefit Plans Disclosures	The following table sets out the funded status of the gratuity plan and the amounts recognized in the Bank’s financial statements as of March 31, 2019 and March 31, 2020: As of March 31, 2019 2020 2020 (In millions) Change in benefit obligations: Projected benefit obligation (“PBO”), beginning of the period Rs. 5,975.5 Rs. 6,653.5 US$ 88.3 Service cost 820.6 965.4 12.8 Interest cost 476.7 483.3 6.4 Actuarial(gains)/ losses (46.4 ) 368.9 4.9 Benefits paid (572.9 ) (588.1 ) (7.8 ) Projected benefit obligation, end of the period 6,653.5 7,883.0 104.6 Change in plan assets: Fair value of plan assets, beginning of the period 4,573.4 5,501.8 73.0 Expected return on plan assets 347.4 389.9 5.2 Actuarial gains/(losses) 130.2 (620.5 ) (8.2 ) Actual return on plan assets 477.6 (230.6 ) (3.0 ) Employer contributions 1,023.7 1,096.7 14.5 Benefits paid (572.9 ) (588.1 ) (7.8 ) Fair value of plan assets, end of the period 5,501.8 5,779.8 76.7 Funded Status Rs. (1,151.7 ) Rs. (2,103.2 ) US$ (27.9 )
Schedule of Net Benefit Costs	Net gratuity cost for the years ended March 31, 2018, March 31, 2019 and March 31, 2020 was comprised of the following components: Fiscal years ended March 31, 2018 2019 2020 2020 (In millions) Service cost Rs. 741.0 Rs. 820.6 Rs. 965.4 US$ 12.8 Interest cost 392.2 476.7 483.3 6.4 Expected return on plan assets (297.4 ) (347.4 ) (389.9 ) (5.2 ) Actuarial (gains)/losses 85.1 (176.6 ) 989.4 13.1 Net gratuity cost* Rs. 920.9 Rs. 773.3 Rs. 2,048.2 US$ 27.1 * Effective April 1, 2018, the Bank adopted ASU 2017-07 Compensation- Retirement Benefits (Topic 715) -Improving the Presentation of Net Periodic Pension Cost and Net Periodic Postretirement Benefit Cost. Accordingly, service cost is reported in the Consolidated Statements of Income in line Non-interest expense-salaries and staff benefits and other components of net benefit cost is reported in the Consolidated Statements of Income in line Non-interest expense –Administrative and other. The amendments have been applied retrospectively.
Schedule of Assumptions Used	The assumptions used in accounting for the gratuity plan are set out below: Fiscal years ended March 31, 2018 2019 2020 (% per annum) Discount rate* 7.4-8.0 7.2-8.4 6.0-7.5 Rate of increase in compensation levels of covered employees 5.0-11.0 5.0-9.0 7.0-8.0 Rate of return on plan assets 7.0-8.0 7.0-7.2 6.0-7.0 Mortality rates used are based on the published “Indian Assured Lives Mortality (2012-2014) Ultimate” table * Weighted average assumptions used to determine both benefit obligations and net periodic benefit cost.
Schedule of Expected Benefit Payments	The following benefit payments, which includes benefits attributable to expected future service, as appropriate, are expected to be paid. Year ending March 31, Benefit payments (In millions) 2021 Rs. 969.5 2022 784.2 2023 679.2 2024 602.3 2025 538.1 2026 - 2030 2,352.8
Schedule of Allocation of Plan Assets	As at March 31, 2020, the plan assets as a percentage of the total funds were as follows: As of March 31, 2020 Funds managed Funds managed Funds Government securities 81.2 % 17.8 % 37.5 % Debenture and bonds 13.8 % 32.0 % 38.2 % Equity securities 4.9 % 48.1 % — Other 0.1 % 2.1 % 24.3 % 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, 2020 are provided separately.
Pension
Schedule of Defined Benefit Plans Disclosures	The following table sets out the funded status of the pension plan and the amounts recognized in the Bank’s financial statements as of March 31, 2019 and March 31, 2020: As of March 31, 2019 2020 2020 (In millions) Change in benefit obligations: Projected benefit obligation (“PBO”), beginning of the period Rs. 722.8 Rs. 677.6 US$ 9.0 Service cost 7.7 6.5 0.1 Interest cost 66.3 45.3 0.6 Actuarial (gains)/losses 6.5 15.3 0.2 Benefits paid (125.7 ) (146.5 ) (1.9 ) Projected benefit obligation, end of the period 677.6 598.2 8.0 Change in plan assets: Fair value of plan assets, beginning of the period 313.0 219.5 2.9 Expected return on plan assets 18.6 11.0 0.1 Actuarial gains/(losses) 4.8 2.9 — Actual return on plan assets 23.4 13.9 0.1 Employer contributions 8.8 8.3 0.1 Benefits paid (125.7 ) (146.5 ) (1.9 ) Fair value of plan assets, end of the period 219.5 95.2 1.2 Funded Status Rs. (458.1 ) Rs. (503.0 ) US$ (6.8 )
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, 2018 2019 2020 2020 (In millions) Service cost Rs. 7.6 Rs. 7.7 Rs. 6.5 US$ 0.1 Interest cost 57.9 66.3 45.3 0.6 Expected return on plan assets (23.6 ) (18.6 ) (11.0 ) (0.1 ) Actuarial (gains)/losses 16.7 1.7 12.4 0.2 Net pension cost* Rs. 58.6 Rs. 57.1 Rs. 53.2 US$ 0.8 * Effective April 1, 2018, the Bank adopted ASU 2017-07 Compensation- Retirement Benefits (Topic 715) -Improving the Presentation of Net Periodic Pension Cost and Net Periodic Postretirement Benefit Cost. Accordingly, service cost is reported in the Consolidated Statements of Income in line Non-interest expense-salaries and staff benefits and other components of net benefit cost is reported in the Consolidated Statements of Income in line Non-interest expense –Administrative and other. The amendments have been applied retrospectively.
Schedule of Assumptions Used	The assumptions used in accounting for the pension plan are set out below: Fiscal years ended March 31, 2018 2019 2020 (% per annum) Discount rate* 8.0 8.4 7.5 Rate of increase in compensation levels of covered employees 8.0 8.0 7.0 Rate of return on plan assets 7.0 7.0 7.0 Mortality rates used are based on the published “Indian Assured Lives Mortality (2012-2014) Ultimate” table * Weighted average assumptions used to determine both benefit obligations and net periodic benefit cost.
Schedule of Expected Benefit Payments	The following benefit payments, which include benefits attributable to expected future service, as appropriate, are expected to be paid. Year ending March 31, Benefit payments (In millions) 2021 Rs. 46.6 2022 43.7 2023 14.1 2024 21.3 2025 18.1 2026-2030 102.3
Schedule of Allocation of Plan Assets	The weighted-average asset allocation of the said plan assets for the pension benefits as at March 31, 2020 is as follows: Asset category Funds managed Government securities 20.8 % Debenture and bonds 17.1 % Other 62.1 % Total 100.0 %

Financial instruments (Tables)

Financial instruments (Tables)	12 Months Ended
Financial instruments (Tables)	Mar. 31, 2020
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, 2019 and March 31, 2020, together with the fair values on each reporting date. As of March 31, 2019 Notional Gross Assets Gross Liabilities Net Fair Value Interest rate derivatives Rs. 3,159,867.1 Rs. 27,932.0 Rs. 27,102.8 Rs. 829.2 Forward rate agreements — — — — Currency options 282,096.9 2,326.1 2,617.2 (291.1 ) Currency swaps 197,044.2 5,841.0 4,070.7 1,770.3 Forward exchange contracts 5,561,859.5 96,425.0 94,658.3 1,766.7 Total Rs. 9,200,867.7 Rs. 132,524.1 Rs. 128,449.0 Rs. 4,075.1 As of March 31, 2020 Notional Gross Assets Gross Liabilities Net Fair Value Notional Net Fair Value (In millions) Interest rate derivatives Rs. 3,644,495.8 Rs. 49,876.8 Rs. 51,976.9 Rs. (2,100.1 ) US$ 48,341.9 US$ (27.9 ) Forward rate agreements — — — — — — Currency options 304,252.4 3,034.4 4,342.0 (1,307.6 ) 4,035.7 (17.3 ) Currency swaps 202,725.6 12,396.0 6,592.1 5,803.9 2,689.0 77.0 Forward exchange contracts 6,079,195.0 125,230.4 121,872.0 3,358.4 80,636.6 44.6 Total Rs. 10,230,668.8 Rs. 190,537.6 Rs. 184,783.0 Rs. 5,754.6 US$ 135,703.2 US$ 76.4
Schedule of Derivative Instruments, Gain (Loss) in Statement of Financial Performance	The following table summarizes certain information related to derivative amounts recognized in income: Non-interest revenue, net – 2018 2019 2020 2020 (In millions) Interest rate derivatives Rs. 1,027.5 Rs. 736.4 Rs. (2,572.2 ) US$ (34.1 ) Forward rate agreements 0.5 0.1 — — Currency options (15.0 ) (262.5 ) 585.5 7.7 Currency swaps (1,706.9 ) 1,045.0 3,465.5 46.0 Forward exchange contracts 7,436.5 10,890.1 2,071.2 27.5 Total gains/(losses) Rs. 6,742.6 Rs. 12,409.1 Rs. 3,550.0 US$ 47.1
Amounts Subject to Enforceable Netting Arrangements	As of March 31, 2019 Amounts subject to enforceable netting arrangements Effects of offsetting on balance sheet Related amounts not offset Gross Amounts Amounts Net amounts Financial Financial Net amount (In millions) Financial assets Derivative assets Rs. 132,524.1 Rs. — Rs. 132,524.1 Rs. 104,025.7 Rs. 2,651.7 Rs. 25,846.7 Securities purchased under agreements to resell 76,213.5 — 76,213.5 — 76,213.5 — Financial liabilities Derivative liabilities Rs. 128,449.0 Rs. — Rs. 128,449.0 Rs. 104,025.7 Rs. 3,098.1 Rs. 21,325.2 Securities sold under repurchase agreements 174,000.0 — 174,000.0 — 174,000.0 — (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, 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 US$ 455.8 Securities purchased 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 US$ 401.0 Securities sold under repurchase 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.
Schedule of Guarantor Obligations	Details of guarantees and documentary credits outstanding are set out below: As of March 31, 2019 2020 2020 (In millions) Nominal values: Bank guarantees: Financial guarantees Rs. 254,075.9 Rs. 263,758.0 US$ 3,498.6 Performance guarantees 285,748.4 330,164.6 4,379.4 Documentary credits 475,617.8 440,232.7 5,839.4 Total Rs. 1,015,442.1 Rs. 1,034,155.3 US$ 13,717.4 Estimated fair values: Guarantees Rs. (3,544.4 ) Rs. (4,191.9 ) US$ (55.6 ) Documentary credits (501.7 ) (488.8 ) (6.5 ) Total Rs. (4,046.1 ) Rs. (4,680.7 ) US$ (62.1 )

Estimated fair value of finan_2

Estimated fair value of financial instruments (Tables)	12 Months Ended
Estimated fair value of financial instruments (Tables)	Mar. 31, 2020
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, 2019 March 31, 2020 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 Rs. 734,872.6 Rs. 734,872.6 Rs. — Rs. — Rs. 734,872.6 Rs. 611,961.0 Rs. 611,961.0 Rs. — Rs. — Rs. 611,961.0 US$ 8,117.3 US$ 8,117.3 Investments held for 265,516.1 1,999.6 263,516.5 — 265,516.1 304,962.9 6,291.0 298,671.9 — 304,962.9 4,045.1 4,045.1 Investments 2,633,348.4 34,807.2 2,559,728.3 38,812.9 2,633,348.4 3,406,289.2 371,450.5 2,907,384.4 127,454.3 3,406,289.2 45,182.2 45,182.2 Securities purchased 76,213.5 — 76,213.5 — 76,213.5 250,000.0 — 250,000.0 — 250,000.0 3,316.1 3,316.1 Loans 8,963,232.6 — 2,593,533.9 6,378,523.8 8,972,057.7 10,425,022.4 — 2,593,022.1 7,936,633.4 10,529,655.5 138,281.2 139,669.1 Accrued interest 93,031.7 — 93,031.7 — 93,031.7 103,035.9 — 103,035.9 — 103,035.9 1,366.7 1,366.7 Other assets 344,873.6 2,390.1 340,767.5 — 343,157.6 641,605.5 2,282.4 637,594.1 — 639,876.5 8,510.5 8,487.6 Financial Interest-bearing 7,804,717.5 — 7,826,794.0 — 7,826,794.0 9,730,481.3 — 9,786,793.2 — 9,786,793.2 129,068.6 129,815.5 Non-interest-bearing 1,420,309.4 — 1,420,309.4 — 1,420,309.4 1,731,590.0 — 1,731,590.0 — 1,731,590.0 22,968.4 22,968.4 Securities sold 174,000.0 — 174,000.0 — 174,000.0 507,982.0 — 507,982.0 — 507,982.0 6,738.1 6,738.1 Short-term borrowings 654,058.0 — 655,215.2 — 655,215.2 377,417.6 — 378,027.9 — 378,027.9 5,006.2 5,014.3 Accrued interest payable 79,372.5 — 79,372.5 — 79,372.5 80,078.9 — 80,078.9 — 80,078.9 1,062.2 1,062.2 Long-term debt 1,044,553.0 — 1,061,687.0 — 1,061,687.0 1,026,518.3 — 1,074,826.3 — 1,074,826.3 13,616.1 14,256.9 Accrued expenses and other liabilities 366,071.3 — 366,071.3 — 366,071.3 460,931.4 — 460,931.4 — 460,931.4 6,114.0 6,114.0

Segment information (Tables)

Segment information (Tables)	12 Months Ended
Segment information (Tables)	Mar. 31, 2020
Schedule of Segment Reporting Information, by Segment	Summarized segment information for the years ended March 31, 2018, March 31, 2019 and March 31, 2020: Fiscal year ended March 31, 2018 2019 Retail Wholesale Treasury Total Retail Wholesale Treasury Total (In millions) Net interest income/(expense) (External) Rs. 279,198.3 Rs. 120,341.3 Rs. 23,611.0 Rs. 423,150.6 Rs. 336,677.1 Rs. 140,085.0 Rs. 30,743.5 Rs. 507,505.6 Net interest income/(expense) (Internal) 65,690.2 (48,571.1 ) (17,119.1 ) — 62,339.1 (43,842.8 ) (18,496.3 ) — Net interest revenue 344,888.5 71,770.2 6,491.9 423,150.6 399,016.2 96,242.2 12,247.2 507,505.6 Less: Provision for credit losses 52,577.1 6,820.7 — 59,397.8 64,051.0 8,228.3 — 72,279.3 Net interest revenue, after provision 292,311.4 64,949.5 6,491.9 363,752.8 334,965.2 88,013.9 12,247.2 435,226.3 Non-interest revenue 122,582.6 12,674.1 9,350.3 144,607.0 138,783.0 23,789.6 (2,450.4 ) 160,122.2 Non-interest expense (210,257.2 ) (19,792.1 ) (1,204.1 ) (231,253.4 ) (230,726.5 ) (22,744.8 ) (1,918.2 ) (255,389.5 ) Income before income tax Rs. 204,636.8 Rs. 57,831.5 Rs. 14,638.1 Rs. 277,106.4 Rs. 243,021.7 Rs. 89,058.7 Rs. 7,878.6 Rs. 339,959.0 Income tax expense Rs. 98,272.5 Rs. 119,393.5 Segment assets: Segment total assets Rs. 6,351,601.7 Rs. 4,140,606.7 Rs. 875,100.4 Rs. 11,367,308.8 Rs. 7,432,733.8 Rs. 4,732,290.7 Rs. 1,115,049.1 Rs. 13,280,073.6 Fiscal year ended March 31, 2020 Retail Banking Wholesale Treasury Total Total (In millions) Net interest income/(expense) (External) Rs. 356,017.3 Rs. 204,725.8 Rs. 32,784.3 Rs. 593,527.4 US$ 7,872.8 Net interest income/(expense) (Internal) 127,065.9 (101,002.5 ) (26,063.4 ) — — Net interest revenue 483,083.2 103,723.3 6,720.9 593,527.4 7,872.8 Less: Provision for credit losses 104,516.8 13,105.1 — 117,621.9 1,560.2 Net interest revenue, after provision for credit losses 378,566.4 90,618.2 6,720.9 475,905.5 6,312.6 Non-interest revenue 161,890.1 36,059.1 269.8 198,219.0 2,629.4 Non-interest expense (278,605.8 ) (27,774.0 ) (1,900.7 ) (308,280.5 ) (4,089.2 ) Income before income tax Rs. 261,850.7 Rs. 98,903.3 Rs. 5,090.0 Rs. 365,844.0 US$ 4,852.8 Income tax expense Rs. 105,480.0 US$ 1,399.1 Segment assets: Segment total assets Rs. 8,353,762.3 Rs. 5,933,391.4 Rs. 1,674,735.4 Rs. 15,961,889.1 US$ 211,724.1

Commitments and contingencies (

Commitments and contingencies (Tables)	12 Months Ended
Commitments and contingencies (Tables)	Mar. 31, 2020
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 assets and lease liabilities were as follows: As of March 31, 2020 2020 (In millions) Right-of-use assets Rs. 60,756.9 US$ 805.9 Lease liabilities 65,615.1 870.3
Operating Leases of Lessee Disclosure	The total lease expenses are as follows: As of March 31, 2018 2019 2020 2020 (In millions) The total minimum lease expense during the year recognized in the consolidated statement of income Rs. 12,311.3 Rs. 12,700.8 Rs. 13,698.7 US$ 181.7 The total operating cash flow for operating lease expenses during the year ended March 31, 2020 was Rs. 11,692.3 million (US $
Schedule of Future Minimum Rental Payments for Operating Leases	The future minimum lease payments prior to adoption of ASU 2016-02- Leases as of March 31, 2019 were as follows: Year ending March 31, Operating leases (In millions) 2020 Rs. 10,538.6 2021 9,921.4 2022 9,100.7 2023 8,137.3 2024 7,104.2 Thereafter 41,090.6 Total Rs. 85,892.8 The future minimum lease payments subsequent to adoption of ASU 2016-02- Leases as of March 31, 2020 were as follows: Due in fiscal year ending March 31: Operating leases (In millions, except for weighted averages) 2021 Rs. 11,411.4 US$ 151.4 2022 10,617.5 140.8 2023 9,808.5 130.1 2024 8,839.5 117.3 2025 8,227.8 109.1 Thereafter 48,321.0 640.9 Total lease payments Rs. 97,225.7 US$ 1,289.6 Less: imputed interest 31,610.6 419.3 Total operating lease liabilities Rs. 65,615.1 US$ 870.3 Weighted average remaining lease term (in years) 10.3 10.3 Weighted average discount rate 7.4 % 7.4 %
Movement in Provision for Reward Points	The movement in provision for credit card and debit card reward points as of March 31, 2019 and March 31, 2020 is as follows: As of March 31, 2019 2020 2020 (In millions) Opening provision of reward points Rs. 4,711.2 Rs. 6,030.9 US$ 80.0 Provision made during the year 3,747.3 5,356.0 71.0 Utilization/write back of provision (2,555.9 ) (3,868.8 ) (51.3 ) Effect of change in rate of accrual of reward points 91.5 (176.6 ) (2.3 ) Effect of change in cost of reward points 36.8 — — Closing provision of reward points Rs. 6,030.9 Rs. 7,341.5 US$ 97.4

Related party transactions (Tab

Related party transactions (Tables)	12 Months Ended
Related party transactions (Tables)	Mar. 31, 2020
Schedule of Related Party Transactions	Balances payable to related parties are as follows: As of March 31, 2019 2020 Principal Others Total Principal Others Total Total (In millions) Balances in non-interest-bearing deposits Rs. 32,176.8 Rs. 14,170.1 Rs. 46,346.9 Rs. 35,128.7 Rs. 8,258.8 Rs. 43,387.5 US$ 575.5 Balances in interest-bearing deposits 733.1 1,732.9 2,466.0 1,662.0 5,954.8 7,616.8 101.0 Accrued expenses and other liabilities 836.4 — 836.4 1,002.8 — 1,002.8 13.3 Total Rs. 33,746.3 Rs. 15,903.0 Rs. 49,649.3 Rs. 37,793.5 Rs. 14,213.6 Rs. 52,007.1 US$ 689.8 Balances receivable from related parties are as follows: As of March 31, 2019 2020 Principal Others Total Principal Others Total Total (In millions) Loans Rs. — Rs. 33.9 Rs. 33.9 Rs. — Rs. 26.5 Rs. 26.5 US$ 0.4 Other assets 310.2 1,474.7 1,784.9 449.5 1,266.9 1,716.4 22.8 Total Rs. 310.2 Rs. 1,508.6 Rs. 1,818.8 Rs. 449.5 Rs. 1,293.4 Rs. 1,742.9 US$ 23.2 Purchase of property and equipment from related parties for the years ended March 31, 2019 and 2020 were nil. Purchase and sale of investments from Others for the year ended March 31, 2020 were Rs.4,872.8 million (previous year Rs. 6,490.7 million) and Rs. 28,016.8 million (previous year Rs. 22,236.2 million), respectively. Investments of Others in the Bank’s subordinated debt for the fiscal year ended March 31, 2020 were Rs. 200.0 million (previous year Rs. 250.0 million). Included in the determination of net income are the following significant transactions with related parties: Fiscal year ended March 31, 2018 2019 2020 Principal Others Total Principal Others Total Principal Others Total Total (In millions) Non-interest revenue-Fees and commissions Rs. 2,642.7 Rs. 14,913.5 Rs. 17,556.2 Rs. 2,829.7 Rs. 14,558.3 Rs. 17,388.0 Rs. 3,089.4 Rs. 17,001.7 Rs. 20,091.1 US$ 266.5 Interest and Dividend revenue 132.8 1,396.9 1,529.7 352.0 1,549.7 1,901.7 — 1,194.2 1,194.2 15.8 Interest expense-Deposits (59.6 ) (115.9 ) (175.5 ) (54.9 ) (138.0 ) (192.9 ) (85.3 ) (84.2 ) (169.5 ) (2.2 ) Non-interest expense-Administrative and other (4,031.9 ) (2,266.8 ) (6,298.7 ) (4,838.3 ) (2,841.7 ) (7,680.0 ) (5,840.8 ) (3,119.6 ) (8,960.4 ) (118.9 ) Non-interest expense-Premises and equipment (19.8 ) (7.6 ) (27.4 ) (31.2 ) (6.1 ) (37.3 ) (25.8 ) (9.7 ) (35.5 ) (0.5 )

Earnings per equity share (Tabl

Earnings per equity share (Tables)	12 Months Ended
Earnings per equity share (Tables)	Mar. 31, 2020
Weighted-average number of shares	As of March 31, 2018 2019 2020 Weighted average number of equity shares used in computing basic earnings per equity share 5,161,077,010 5,360,068,058 5,468,802,148 Effect of potential equity shares for stock options outstanding 66,800,242 53,585,896 36,990,405 Weighted average number of equity shares used in computing diluted earnings per equity share 5,227,877,252 5,413,653,954 5,505,792,553
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, 2018 2019 2020 2020 Basic earnings per share Rs. 34.59 Rs. 41.07 Rs. 47.59 US$ 0.63 Effect of potential equity shares for stock options outstanding 0.44 0.41 0.32 0.01 Diluted earnings per share Rs. 34.15 Rs. 40.66 Rs. 47.27 US$ 0.62 Basic earnings per ADS Rs. 103.77 Rs. 123.21 Rs. 142.77 US$ 1.89 Effect of potential equity shares for stock options outstanding 1.32 1.23 0.96 0.03 Diluted earnings per ADS Rs. 102.45 Rs. 121.98 Rs. 141.81 US$ 1.86

Fair value measurement (Tables)

Fair value measurement (Tables)	12 Months Ended
Fair value measurement (Tables)	Mar. 31, 2020
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, 2019 and March 31, 2020: Particulars As of March 31, 2019 (in millions) Beginning balance at April 1, 2018 Rs. 18,534.6 Total gains or losses (realized/unrealized) -Included in net income — -Included in other comprehensive income 355.9 Purchases/additions 42,885.7 Sales — Issuances — Settlements (22,963.3 ) Transfers in Level 3 — Transfers out of Level 3 — Foreign currency translation adjustment — Ending balance at March 31, 2019 Rs. 38,812.9 Total amount of gains or (losses) included in net income attributable to change in unrealized gains or (losses) relating to assets still held at reporting date Rs — 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 —
Investments
Fair Value Measured on Recurring Basis	The following table summarizes investments measured at fair value on a recurring basis as of March 31, 2019, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value: Fair Value Measurements Using Particulars Total Quoted prices in Significant other Significant (In millions) Trading account securities Rs. 265,516.1 Rs. 1,999.6 Rs. 263,516.5 Rs. — Securities Available-for-Sale 2,633,348.4 34,807.2 2,559,728.3 38,812.9 Equity securities * 11,024.0 2,390.1 8,633.9 — Total Rs. 2,909,888.5 Rs. 39,196.9 Rs. 2,831,878.7 Rs. 38,812.9 * Equity securities classified within other assets. 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 Total US$ 49,372.4 US$ 5,040.7 US$ 42,641.1 US$ 1,690.6 * 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, 2019, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value: Fair Value Measurements Using Particulars Total Quoted prices in Significant other Significant (In millions) Derivative assets Rs. 132,524.1 Rs. — Rs. 132,524.1 Rs. — Derivative liabilities Rs. 128,449.0 Rs. — Rs. 128,449.0 Rs. — 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. —

Bank Overview - Additional Info

Bank Overview - Additional Information (Detail)	Aug. 02, 2018$ / sharesshares	Jul. 17, 2018₨ / sharesshares	Mar. 31, 2020₨ / sharesshares	Mar. 31, 2019₨ / sharesshares	Mar. 31, 2018shares	Sep. 20, 2019₨ / sharesshares	Sep. 19, 2019₨ / shares
Nature Of Business [Line Items]
Shares issued, price per share \| ₨ / shares						₨ 1
Equity shares, issued			5,483,286,460	5,446,613,220		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			36,673,240	47,544,608	65,089,100
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			21.20%	21.40%
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, $ in Millions	12 Months Ended
	Mar. 31, 2020INR (₨)Segment	Mar. 31, 2020USD ($)	Apr. 01, 2019INR (₨)	Mar. 31, 2019INR (₨)
Significant Accounting Policies [Line Items]
Reportable segments \| Segment	3
Lease liability, approximate	₨ 65,615.1	$ 870.3		₨ 0
ROU asset, approximate	₨ 60,756.9	$ 805.9		0
Financial statements translation rate, Indian rupees (Rs.) equivalence of U.S. $1	75.39	75.39
Operating Lease, Liability, Statement of Financial Position [Extensible List]	us-gaap:OperatingLeaseLiability	us-gaap:OperatingLeaseLiability
ASU 2016-02
Significant Accounting Policies [Line Items]
Lease liability, approximate			₨ 56,900	0
ROU asset, approximate			₨ 53,000	₨ 0
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	150 days
Retail Loans \| Housing loans
Significant Accounting Policies [Line Items]
Loans charge off period	720 days	720 days
Retail Loans \| Retail Business Banking
Significant Accounting Policies [Line Items]
Loans charge off period	customer by customer basis
Minimum
Significant Accounting Policies [Line Items]
Bank voting rights	20.00%	20.00%
Minimum \| Retail Loans
Significant Accounting Policies [Line Items]
Loans charge off period	150 days	150 days
Maximum
Significant Accounting Policies [Line Items]
Bank voting rights	50.00%	50.00%
Maximum \| Retail Loans
Significant Accounting Policies [Line Items]
Loans charge off period	1083 days	1083 days
HDFC Group [Member] \| Minimum
Significant Accounting Policies [Line Items]
Percentage of voting rights in which bank consolidates subsidiary	50.00%

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, 2020
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, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Restricted Cash and Cash Equivalents Items [Line Items]
Restricted cash	₨ 361,409.5	$ 4,793.9	₨ 383,503

Portfolio of Trading Securities

Portfolio of Trading Securities (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Schedule of Trading Securities and Other Trading Assets [Line Items]
Amortized Cost	₨ 304,311.2	$ 4,036.5	₨ 265,011.1
Gross Unrealized Gains	701.4	9.3	506.2
Gross Unrealized Losses	49.7	0.7	1.2
Fair Value	304,962.9	$ 4,045.1	265,516.1
Debt Securities
Schedule of Trading Securities and Other Trading Assets [Line Items]
Amortized Cost	211,627.3		168,075.5
Gross Unrealized Gains	600		179
Gross Unrealized Losses	49.7		1.2
Fair Value	212,177.6		168,253.3
Debt Securities \| Government of India securities
Schedule of Trading Securities and Other Trading Assets [Line Items]
Amortized Cost	207,131.4		134,084.9
Gross Unrealized Gains	592.9		163.2
Gross Unrealized Losses	17.2		0.1
Fair Value	207,707.1		134,248
Debt Securities \| Other corporate/financial institution securities
Schedule of Trading Securities and Other Trading Assets [Line Items]
Amortized Cost	4,495.9		33,990.6
Gross Unrealized Gains	7.1		15.8
Gross Unrealized Losses	32.5		1.1
Fair Value	4,470.5		34,005.3
Other securities (including mutual fund units)
Schedule of Trading Securities and Other Trading Assets [Line Items]
Amortized Cost	92,683.9		96,935.6
Gross Unrealized Gains	101.4		327.2
Gross Unrealized Losses	0		0
Fair Value	₨ 92,785.3		₨ 97,262.8

Portfolio of Available for Sale

Portfolio of Available for Sale Debt Securities (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	₨ 3,340,732.3	$ 44,312.6	₨ 2,617,505.3
Gross Unrealized Gains	68,285.4	905.8	27,846.4
Gross Unrealized Losses	2,728.5	36.2	12,003.3
Fair Value	3,406,289.2	45,182.2	2,633,348.4
Debt securities, other than asset and mortgage-backed securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	3,213,339.7		2,577,245.6
Gross Unrealized Gains	66,538.4		27,680.1
Gross Unrealized Losses	2,578.5		11,880.7
Fair Value	3,277,299.6	$ 43,471.3	2,593,045
Debt securities, other than asset and mortgage-backed securities \| Government of India securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	2,637,464.4		2,147,934.6
Gross Unrealized Gains	52,630		21,881.4
Gross Unrealized Losses	1,491.6		9,834.9
Fair Value	2,688,602.8		2,159,981.1
Debt securities, other than asset and mortgage-backed securities \| State government securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	177,055.9		144,633.7
Gross Unrealized Gains	11,337.7		4,864.6
Gross Unrealized Losses	0		475.7
Fair Value	188,393.6		149,022.6
Debt securities, other than asset and mortgage-backed securities \| Government securities outside India
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	8,367		7,201.6
Gross Unrealized Gains	48.4		3.3
Gross Unrealized Losses	0		0
Fair Value	8,415.4		7,204.9
Debt securities, other than asset and mortgage-backed securities \| Credit Substitutes
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	360,741.5		273,550.7
Gross Unrealized Gains	2,309.5		899.9
Gross Unrealized Losses	677.3		1,563.8
Fair Value	362,373.7		272,886.8
Debt securities, other than asset and mortgage-backed securities \| Other corporate/financial institution bonds
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	29,710.9		3,925
Gross Unrealized Gains	212.8		30.9
Gross Unrealized Losses	409.6		6.3
Fair Value	29,514.1		3,949.6
Mortgage-backed securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	37.3		56.3
Gross Unrealized Gains	0.8		1
Gross Unrealized Losses	0		0.4
Fair Value	38.1		56.9
Asset-backed securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	125,931.2		38,827.1
Gross Unrealized Gains	1,746		165
Gross Unrealized Losses	150		122.2
Fair Value	127,527.2		38,869.9
Other securities (including mutual fund units)
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	1,424.1		1,376.3	[1]
Gross Unrealized Gains	0.2		0.3	[1]
Gross Unrealized Losses	0		0	[1]
Fair Value	1,424.3		1,376.6	[1]
Securities with gross unrealized losses
Schedule of Available-for-sale Securities [Line Items]
Fair Value	300,932.1		799,718.5
Securities with gross unrealized gains
Schedule of Available-for-sale Securities [Line Items]
Fair Value	₨ 3,105,357.1		₨ 1,833,629.9

[1]	The Bank adopted ASU 2016-01 and ASU 2018-03 as of April 1, 2018, resulting in a cumulative effect adjustment from AOCI to retained earnings for net unrealized gains on marketable equity securities AFS. The available-for sale category was eliminated for equity securities amortized cost Rs. 855.6 million and carrying value Rs. 1,267.7 million effective April 1, 2018.

Portfolio of Available for Sa_2

Portfolio of Available for Sale Debt Securities (Parenthetical) (Detail) - ASU 2016-01 ₨ in Millions	Apr. 01, 2018INR (₨)
Schedule of Available-for-sale Securities [Line Items]
Equity securities, cost	₨ 855.6
Equity securities, fair value	₨ 1,267.7

Investments, Available for Sale

Investments, Available for Sale Debt Securities - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)	Mar. 31, 2018INR (₨)	Mar. 31, 2020USD ($)
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)	₨ 1,760,859.1		₨ 1,634,673.3		$ 23,356.7
Available-for-Sale Debt Securities
Schedule of Available-for-sale Securities [Line Items]
Available for sale investments, amount eligible towards the Bank's statutory liquidity reserve requirements	2,876,996.4		2,309,003.7		38,161.5
Available for sale investments, amount kept as margins for clearing, collateral borrowing and lending obligation (CBLO) and real time gross settlement (RTGS)	1,760,859.1		1,634,673.3		$ 23,356.7
Other than temporary impairment losses on available for sale securities	₨ 9,109	$ 120.8	₨ 1,081	₨ 149.1

Gross Unrealized Losses and Fai

Gross Unrealized Losses and Fair Value of Available for Sale Debt Securities (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Gain (Loss) on Securities [Line Items]
Less Than 12 Months Fair Value	₨ 122,669.6	$ 1,627.1	₨ 32,187.5
Less Than 12 Months Unrealized Losses	1,105.3	14.7	137
12 Months or Greater Fair Value	178,262.5	2,364.5	767,531
12 Months or Greater Unrealized Losses	1,623.2	21.5	11,866.3
Fair Value	300,932.1	3,991.6	799,718.5
Unrealized Losses	2,728.5	$ 36.2	12,003.3
Debt securities, other than asset and mortgage-backed securities
Gain (Loss) on Securities [Line Items]
Less Than 12 Months Fair Value	81,158.9		17,996.3
Less Than 12 Months Unrealized Losses	960.6		88.1
12 Months or Greater Fair Value	177,416.2		763,992.6
12 Months or Greater Unrealized Losses	1,617.9		11,792.6
Fair Value	258,575.1		781,988.9
Unrealized Losses	2,578.5		11,880.7
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	24,492.8		0
Less Than 12 Months Unrealized Losses	69.8		0
12 Months or Greater Fair Value	158,735.8		568,759
12 Months or Greater Unrealized Losses	1,421.8		9,834.9
Fair Value	183,228.6		568,759
Unrealized Losses	1,491.6		9,834.9
Debt securities, other than asset and mortgage-backed securities \| Credit Substitutes
Gain (Loss) on Securities [Line Items]
Less Than 12 Months Fair Value	38,039.9		17,996.3
Less Than 12 Months Unrealized Losses	481.2		88.1
12 Months or Greater Fair Value	18,680.4		165,700.5
12 Months or Greater Unrealized Losses	196.1		1,475.7
Fair Value	56,720.3		183,696.8
Unrealized Losses	677.3		1,563.8
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	18,626.2		0
Less Than 12 Months Unrealized Losses	409.6		0
12 Months or Greater Fair Value	0		2,117.6
12 Months or Greater Unrealized Losses	0		6.3
Fair Value	18,626.2		2,117.6
Unrealized Losses	409.6		6.3
Debt securities, other than asset and mortgage-backed securities \| State government securities
Gain (Loss) on Securities [Line Items]
Less Than 12 Months Fair Value	0		0
Less Than 12 Months Unrealized Losses	0		0
12 Months or Greater Fair Value	0		27,415.5
12 Months or Greater Unrealized Losses	0		475.7
Fair Value	0		27,415.5
Unrealized Losses	0		475.7
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		45.7
12 Months or Greater Unrealized Losses	0		0.4
Fair Value	0		45.7
Unrealized Losses	0		0.4
Asset-backed securities
Gain (Loss) on Securities [Line Items]
Less Than 12 Months Fair Value	41,510.7		14,191.2
Less Than 12 Months Unrealized Losses	144.7		48.9
12 Months or Greater Fair Value	846.3		3,492.7
12 Months or Greater Unrealized Losses	5.3		73.3
Fair Value	42,357		17,683.9
Unrealized Losses	150		122.2
Other securities (including mutual fund units)
Gain (Loss) on Securities [Line Items]
Less Than 12 Months Fair Value	0		0
Less Than 12 Months Unrealized Losses	0		0
12 Months or Greater Fair Value	0		0
12 Months or Greater Unrealized Losses	0		0
Fair Value	0		0
Unrealized Losses	₨ 0		₨ 0

Contractual Residual Maturity o

Contractual Residual Maturity of Available for Sale Debt Securities Other Than Asset and Mortgage Backed Securities (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Amortized Cost
Amortized Cost	₨ 3,340,732.3	$ 44,312.6	₨ 2,617,505.3
Fair Value
Total	3,406,289.2	45,182.2	2,633,348.4
Debt securities, other than asset and mortgage-backed securities
Amortized Cost
Within one year	1,112,389.9
Over one year through five years	838,625
Over five years through ten years	916,798.3
Over ten years	345,526.5
Amortized Cost	3,213,339.7		2,577,245.6
Fair Value
Within one year	1,115,946.4	14,802.3
Over one year through five years	861,818.8	11,431.5
Over five years through ten years	946,302.3	12,552.1
Over ten years	353,232.1	4,685.4
Total	₨ 3,277,299.6	$ 43,471.3	₨ 2,593,045

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, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Amortized Cost
Amortized Cost	₨ 3,340,732.3	$ 44,312.6	₨ 2,617,505.3
Fair Value
Total	3,406,289.2	45,182.2	₨ 2,633,348.4
Asset and Mortgage Backed Securities
Amortized Cost
Within one year	47,973.3
Over one year through five years	75,458.2
Over five years through ten years	1,576.5
Over ten years	960.5
Amortized Cost	125,968.5
Fair Value
Within one year	48,473.5	643
Over one year through five years	76,412.3	1,013.6
Over five years through ten years	1,621.6	21.5
Over ten years	1,057.9	14
Total	₨ 127,565.3	$ 1,692.1

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, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)	Mar. 31, 2018INR (₨)
Schedule of Available-for-sale Securities [Line Items]
Gross realized gains on sale	₨ 26,128.1	$ 346.6	₨ 3,788.1	₨ 11,433.8
Gross realized losses on sale	(301.9)	(4)	(1,192.1)	(580.6)
Realized gains (losses), net	25,826.2	342.6	2,596	10,853.2
Dividends and interest	198,383.2	2,631.4	190,992.5	158,209.2
Total	₨ 224,209.4	$ 2,974	₨ 193,588.5	₨ 169,062.4

Investments, Held to Maturity -

Investments, Held to Maturity - Additional Information (Detail) - INR (₨) ₨ in Millions	Mar. 31, 2020	Mar. 31, 2019
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, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	₨ 3,340,732.3	$ 44,312.6	₨ 2,617,505.3
Fair Value	3,406,289.2	45,182.2	2,633,348.4
Debt securities, other than asset and mortgage-backed securities \| Credit Substitutes
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	360,741.5	4,785	273,550.7
Fair Value	362,373.7	$ 4,806.7	272,886.8
Debt securities, other than asset and mortgage-backed securities \| Credit Substitutes \| Debentures
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	236,717.2		247,869.1
Fair Value	237,980.3		247,152.5
Debt securities, other than asset and mortgage-backed securities \| Credit Substitutes \| Commercial paper
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	124,024.3		25,681.6
Fair Value	₨ 124,393.4		₨ 25,734.3

Fair Values of Credit Substit_2

Fair Values of Credit Substitutes (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)	Mar. 31, 2020USD ($)
Schedule of Available-for-sale Securities [Line Items]
Pass	₨ 362,373.7		₨ 272,886.8	$ 4,806.7
Impaired-gross balance	0		0	0
Less: amounts provided for other than temporary impairments	0	$ 0	0
Impaired credit substitutes, net	0		0	0
Total credit substitutes, net	₨ 362,373.7		₨ 272,886.8	$ 4,806.7

Impaired Credit Substitutes (De

Impaired Credit Substitutes (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)	Mar. 31, 2020USD ($)
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, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Repurchase Agreement and Resale Agreement Counterparty [Line Items]
Securities purchased under agreements to resell	₨ 250,000	$ 3,316.1	₨ 76,213.5
Securities sold under repurchase agreements, amount outstanding	₨ 507,982	$ 6,738.1	₨ 174,000
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	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans provided as collateral for borrowings	₨ 574,064.8	$ 7,614.6	₨ 780,869.5
Purchased financing receivable outstanding	₨ 644,672.4		₨ 514,756

Loans by Facility (Detail)

Loans by Facility (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)	Mar. 31, 2017INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	₨ 10,623,855.6	$ 140,918.6	₨ 9,111,464.6
Less: Allowance for credit losses	198,833.2	2,637.4	148,232	$ 1,966.2	₨ 112,507.2	₨ 78,496.9
Total	10,425,022.4	138,281.2	8,963,232.6
Retail Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	7,040,800.4	93,391.6	6,237,903.6
Retail Loans \| Auto loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	952,053.1	12,628.4	951,744.2
Retail Loans \| Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	1,920,601.6	25,475.5	1,538,107.4
Retail Loans \| Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	1,658,770.3	22,002.5	1,478,317.8
Retail Loans \| Commercial vehicle and construction equipment finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	747,382.4	9,913.5	746,288
Retail Loans \| Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	634,612.4	8,417.7	513,771.6
Retail Loans \| Other Retail
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	1,127,380.6	14,954	1,009,674.6
Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	₨ 3,583,055.2	$ 47,527	₨ 2,873,561

Maturity of Gross Loans (Detail

Maturity of Gross Loans (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Within one year	₨ 3,858,928.4
Over one year through five years	5,481,816.8
Over five years	1,283,110.4
Total gross loans	10,623,855.6	$ 140,918.6	₨ 9,111,464.6
Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Within one year	1,718,893.5
Over one year through five years	1,191,304.1
Over five years	672,857.6
Total gross loans	3,583,055.2	47,527	2,873,561
Retail Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Within one year	2,140,034.9
Over one year through five years	4,290,512.7
Over five years	610,252.8
Total gross loans	₨ 7,040,800.4	$ 93,391.6	₨ 6,237,903.6

Gross Loans Analyzed by Perform

Gross Loans Analyzed by Performance (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans	₨ 157,426.9	$ 2,088.1	₨ 140,422.5
Gross loans	10,623,855.6	140,918.6	9,111,464.6
Performing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	₨ 10,466,428.7	$ 138,830.5	₨ 8,971,042.1

Loan Delinquency and Non-Accrua

Loan Delinquency and Non-Accrual Loans (Detail) ₨ in Millions, $ in Millions		Mar. 31, 2020INR (₨)		Mar. 31, 2020USD ($)		Mar. 31, 2019INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		₨ 10,623,855.6		$ 140,918.6		₨ 9,111,464.6
Retail Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		7,040,800.4		93,391.6		6,237,903.6
Retail Loans \| Auto loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		952,053.1		12,628.4		951,744.2
Retail Loans \| Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		1,920,601.6		25,475.5		1,538,107.4
Retail Loans \| Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		1,658,770.3		22,002.5		1,478,317.8
Retail Loans \| Commercial vehicle and construction equipment finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		747,382.4		9,913.5		746,288
Retail Loans \| Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		634,612.4		8,417.7		513,771.6
Retail Loans \| Other Retail
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		1,127,380.6		14,954		1,009,674.6
Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		3,583,055.2		47,527		2,873,561
Financing Receivable, 31 to 90 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		75,254.6		998.1		45,108
Financing Receivable, 31 to 90 Days Past Due \| Retail Loans \| Auto loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		4,049.3				4,807
Financing Receivable, 31 to 90 Days Past Due \| Retail Loans \| Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		16,819.3				11,520.2
Financing Receivable, 31 to 90 Days Past Due \| Retail Loans \| Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		15,210.9				9,087.9
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		17,679.2				9,225
Financing Receivable, 31 to 90 Days Past Due \| Retail Loans \| Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		3,330.9				784.9
Financing Receivable, 31 to 90 Days Past Due \| Retail Loans \| Other Retail
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		13,038.1				9,480.1
Financing Receivable, 31 to 90 Days Past Due \| Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		5,126.9				202.9
Impaired / 91 days or more past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		157,426.9		2,088.1		140,422.5
Impaired / 91 days or more past due \| Retail Loans \| Auto loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		15,279.2				13,606.7
Impaired / 91 days or more past due \| Retail Loans \| Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		14,481.7				15,781.5
Impaired / 91 days or more past due \| Retail Loans \| Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		32,866.3				29,945
Impaired / 91 days or more past due \| Retail Loans \| Commercial vehicle and construction equipment finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		22,992.2				11,254.9
Impaired / 91 days or more past due \| Retail Loans \| Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		2,921.3				2,157.1
Impaired / 91 days or more past due \| Retail Loans \| Other Retail
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		33,462.8				29,523.6
Impaired / 91 days or more past due \| Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		35,423.4				38,153.7
Total current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	[2]	10,391,174.1	[1]	$ 137,832.4	[1]	8,925,934.1	[3]
Total current \| Retail Loans \| Auto loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	[2]	932,724.6	[1]			933,330.5	[3]
Total current \| Retail Loans \| Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	[2]	1,889,300.6	[1]			1,510,805.7	[3]
Total current \| Retail Loans \| Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	[2]	1,610,693.1	[1]			1,439,284.9	[3]
Total current \| Retail Loans \| Commercial vehicle and construction equipment finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	[2]	706,711	[1]			725,808.1	[3]
Total current \| Retail Loans \| Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	[2]	628,360.2	[1]			510,829.6	[3]
Total current \| Retail Loans \| Other Retail
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	[2]	1,080,879.7	[1]			970,670.9	[3]
Total current \| Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	[2]	₨ 3,542,504.9	[1]			₨ 2,835,204.4	[3]

[1]	Includes crop related agricultural loans with days past due less than 366 as they are not considered as impaired Rs. 39.0 billion.
[2]	Loans up to 30 days past due are considered current
[3]	Includes crop related agricultural loans with days past due less than 366 as they are not considered as impaired Rs. 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, 2020INR (₨)	Mar. 31, 2019INR (₨)	Mar. 31, 2020USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	₨ 10,623,855.6	₨ 9,111,464.6	$ 140,918.6
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	₨ 39,000	₨ 34,000

Grading Indicators Related to B

Grading Indicators Related to Bank's Retail Loans and Wholesale Loans (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	₨ 10,623,855.6	$ 140,918.6	₨ 9,111,464.6
Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	3,583,055.2	47,527	2,873,561
Wholesale loans \| Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	3,524,290.5	46,747.5	2,834,466.7
Wholesale loans \| Labeled
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	23,341.3	309.6	940.6
Wholesale loans \| Impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	35,423.4	469.9	38,153.7
Retail Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	7,040,800.4	93,391.6	6,237,903.6
Retail Loans \| Impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	122,003.5		102,268.8
Retail Loans \| Auto loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	952,053.1	12,628.4	951,744.2
Retail Loans \| Auto loans \| Impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	15,279.2		13,606.7
Retail Loans \| Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	1,920,601.6	25,475.5	1,538,107.4
Retail Loans \| Personal loans/Credit card \| Impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	14,481.7		15,781.5
Retail Loans \| Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	1,658,770.3	22,002.5	1,478,317.8
Retail Loans \| Retail Business Banking \| Impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	32,866.3		29,945
Retail Loans \| Commercial vehicle and construction equipment finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	747,382.4	9,913.5	746,288
Retail Loans \| Commercial vehicle and construction equipment finance \| Impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	22,992.2		11,254.9
Retail Loans \| Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	634,612.4	8,417.7	513,771.6
Retail Loans \| Housing loans \| Impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	2,921.3		2,157.1
Retail Loans \| Other Retail
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	1,127,380.6	14,954	1,009,674.6
Retail Loans \| Other Retail \| Impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	33,462.8		29,523.6
Performing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	10,466,428.7	$ 138,830.5	8,971,042.1
Performing \| Retail Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	6,918,796.9		6,135,634.8
Performing \| Retail Loans \| Auto loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	936,773.9		938,137.5
Performing \| Retail Loans \| Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	1,906,119.9		1,522,325.9
Performing \| Retail Loans \| Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	1,625,904		1,448,372.8
Performing \| Retail Loans \| Commercial vehicle and construction equipment finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	724,390.2		735,033.1
Performing \| Retail Loans \| Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	631,691.1		511,614.5
Performing \| Retail Loans \| Other Retail
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables	₨ 1,093,917.8		₨ 980,151

Impaired Loans Where Bank is Pr

Impaired Loans Where Bank is Probable that it will not Collect all Amounts due According to Original Contractual Terms of Loans (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)	Mar. 31, 2020USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded investments	₨ 157,426.9		₨ 140,422.5	$ 2,088.1
Unpaid principal balance	157,426.9		140,422.5	2,088.1
Related specific allowance	101,601.9		85,783	1,347.7
Average recorded investments	148,924.9	$ 1,975.4	124,570
Finance receivable on non-accrual status	157,426.9		140,422.5	$ 2,088.1
Retail Loans \| Auto loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded investments	15,279.2		13,606.7
Unpaid principal balance	15,279.2		13,606.7
Related specific allowance	7,814.5		6,169
Average recorded investments	14,443		11,120.6
Finance receivable on non-accrual status	15,279.2		13,606.7
Retail Loans \| Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded investments	14,481.7		15,781.5
Unpaid principal balance	14,481.7		15,781.5
Related specific allowance	8,535.1		9,694
Average recorded investments	15,131.6		12,966.2
Finance receivable on non-accrual status	14,481.7		15,781.5
Retail Loans \| Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded investments	32,866.3		29,945
Unpaid principal balance	32,866.3		29,945
Related specific allowance	21,687.4		21,595.3
Average recorded investments	31,405.7		27,746.1
Finance receivable on non-accrual status	32,866.3		29,945
Retail Loans \| Commercial vehicle and construction equipment finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded investments	22,992.2		11,254.9
Unpaid principal balance	22,992.2		11,254.9
Related specific allowance	11,607.3		6,544.8
Average recorded investments	17,123.6		9,111.5
Finance receivable on non-accrual status	22,992.2		11,254.9
Retail Loans \| Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded investments	2,921.3		2,157.1
Unpaid principal balance	2,921.3		2,157.1
Related specific allowance	1,414.7		1,105.2
Average recorded investments	2,539.2		2,028.3
Finance receivable on non-accrual status	2,921.3		2,157.1
Retail Loans \| Other Retail
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded investments	33,462.8		29,523.6
Unpaid principal balance	33,462.8		29,523.6
Related specific allowance	24,116.5		20,441.5
Average recorded investments	31,493.2		26,114
Finance receivable on non-accrual status	33,462.8		29,523.6
Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded investments	35,423.4		38,153.7
Unpaid principal balance	35,423.4		38,153.7
Related specific allowance	26,426.4		20,233.2
Average recorded investments	36,788.6		35,483.3
Finance receivable on non-accrual status	₨ 35,423.4		₨ 38,153.7

Impaired Loans (Detail)

Impaired Loans (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans	₨ 157,426.9	$ 2,088.1	₨ 140,422.5
Wholesale Trade- Non Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans			15,856.7
Agriculture Production - Food
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans	22,546.3	299.1	18,915
Consumer Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans	21,718.9	288.1	22,513.7
Others (none greater than 5% of impaired loans)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans	83,133.5	1,102.7	66,792.8
Retail Trade
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans	8,823.1	117	7,767
Food And Beverage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans	8,137.5	107.9	₨ 8,577.3
Road Transportion
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired loans	₨ 13,067.6	$ 173.3

Summary Information Relating to

Summary Information Relating to Impaired Loans (Detail) - Gross Loans ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)	Mar. 31, 2018INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Average impaired loans, net of allowance	₨ 55,232.3	$ 732.6	₨ 50,378.2	₨ 41,683.2
Interest income recognized on impaired loans	₨ 10,160.5	$ 134.8	₨ 6,994.7	₨ 7,433.7

Allowance for Credit Losses (De

Allowance for Credit Losses (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2020INR (₨)		Mar. 31, 2020USD ($)		Mar. 31, 2019INR (₨)		Mar. 31, 2018INR (₨)		Mar. 31, 2020USD ($)
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	₨ 148,232		$ 1,966.2		₨ 112,507.2		₨ 78,496.9
Write-offs	(92,679.6)		(1,229.3)		(53,331.6)		(37,978.3)
Net allowance for credit losses	143,280.8	[1]	1,900.5	[1]	89,056.4	[2]	71,988.6	[3]
Allowance for credit losses, end of the period	198,833.2		$ 2,637.4		148,232		112,507.2
Allowance for credit losses:
Allowance individually evaluated for impairment	26,426.4				20,233.2		15,323		$ 350.5
Allowance collectively evaluated for impairment	172,406.8				127,998.8		97,184.2		2,286.9
Loans:
Loans individually evaluated for impairment	35,423.4				38,153.7		32,812.8		469.9
Loans collectively evaluated for impairment	10,588,432.2				9,073,310.9		7,343,366.2		$ 140,448.8
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	6,169				3,682.2		2,792.9
Write-offs	(11,524.3)				(9,155.3)		(6,826.4)
Net allowance for credit losses	13,169.8	[1]			11,642.1	[2]	7,715.7	[3]
Allowance for credit losses, end of the period	7,814.5				6,169		3,682.2
Allowance for credit losses:
Allowance individually evaluated for impairment	0				0		0
Allowance collectively evaluated for impairment	7,814.5				6,169		3,682.2
Loans:
Loans individually evaluated for impairment	0				0		0
Loans collectively evaluated for impairment	15,279.2				13,606.7		8,634.5
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	9,694				6,182.6		4,040
Write-offs	(41,646.3)				(25,197)		(16,714.3)
Net allowance for credit losses	40,487.4	[1]			28,708.4	[2]	18,856.9	[3]
Allowance for credit losses, end of the period	8,535.1				9,694		6,182.6
Allowance for credit losses:
Allowance individually evaluated for impairment	0				0		0
Allowance collectively evaluated for impairment	8,535.1				9,694		6,182.6
Loans:
Loans individually evaluated for impairment	0				0		0
Loans collectively evaluated for impairment	14,481.7				15,781.5		10,150.9
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	21,595.3				18,709.4		15,278.4
Write-offs	(9,379)				(6,665.5)		(5,730)
Net allowance for credit losses	9,471.1	[1]			9,551.4	[2]	9,161	[3]
Allowance for credit losses, end of the period	21,687.4				21,595.3		18,709.4
Allowance for credit losses:
Allowance individually evaluated for impairment	0				0		0
Allowance collectively evaluated for impairment	21,687.4				21,595.3		18,709.4
Loans:
Loans individually evaluated for impairment	0				0		0
Loans collectively evaluated for impairment	32,866.3				29,945		25,547.2
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	6,544.8				4,806.1		4,398.5
Write-offs	(10,838.5)				(4,812.8)		(3,644)
Net allowance for credit losses	15,901	[1]			6,551.5	[2]	4,051.6	[3]
Allowance for credit losses, end of the period	11,607.3				6,544.8		4,806.1
Allowance for credit losses:
Allowance individually evaluated for impairment	0				0		0
Allowance collectively evaluated for impairment	11,607.3				6,544.8		4,806.1
Loans:
Loans individually evaluated for impairment	0				0		0
Loans collectively evaluated for impairment	22,992.2				11,254.9		6,968.1
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	1,105.2				974.4		739.3
Write-offs	(130.3)				(93.3)		(61.5)
Net allowance for credit losses	439.8	[1]			224.1	[2]	296.6	[3]
Allowance for credit losses, end of the period	1,414.7				1,105.2		974.4
Allowance for credit losses:
Allowance individually evaluated for impairment	0				0		0
Allowance collectively evaluated for impairment	1,414.7				1,105.2		974.4
Loans:
Loans individually evaluated for impairment	0				0		0
Loans collectively evaluated for impairment	2,921.3				2,157.1		1,899.5
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	20,441.5				12,922.8		6,767.5
Write-offs	(12,833.1)				(5,652)		(4,557.4)
Net allowance for credit losses	16,508.1	[1]			13,170.7	[2]	10,712.7	[3]
Allowance for credit losses, end of the period	24,116.5				20,441.5		12,922.8
Allowance for credit losses:
Allowance individually evaluated for impairment	0				0		0
Allowance collectively evaluated for impairment	24,116.5				20,441.5		12,922.8
Loans:
Loans individually evaluated for impairment	0				0		0
Loans collectively evaluated for impairment	33,462.8				29,523.6		22,704.3
Specific allowance for credit losses \| Wholesale loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	20,233.2				15,323		11,713.5
Write-offs	(6,328.1)				(1,755.7)		(444.7)
Net allowance for credit losses	12,521.3	[1]			6,665.9	[2]	4,054.2	[3]
Allowance for credit losses, end of the period	26,426.4				20,233.2		15,323
Allowance for credit losses:
Allowance individually evaluated for impairment	26,426.4				20,233.2		15,323
Allowance collectively evaluated for impairment	0				0		0
Loans:
Loans individually evaluated for impairment	35,423.4				38,153.7		32,812.8
Loans collectively evaluated for impairment	0				0		0
Unallocated allowance for credit losses \| Retail Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	52,941.1				42,147.4		28,110.6
Write-offs	0				0		0
Net allowance for credit losses	31,088.3	[1]			10,793.7	[2]	14,036.8	[3]
Allowance for credit losses, end of the period	84,029.4				52,941.1		42,147.4
Allowance for credit losses:
Allowance individually evaluated for impairment	0				0		0
Allowance collectively evaluated for impairment	84,029.4				52,941.1		42,147.4
Loans:
Loans individually evaluated for impairment	0				0		0
Loans collectively evaluated for impairment	6,918,796.9				6,135,634.8		5,137,460.1
Unallocated allowance for credit losses \| Wholesale loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	9,507.9				7,759.3		4,656.2
Write-offs	0				0		0
Net allowance for credit losses	3,694	[1]			1,748.6	[2]	3,103.1	[3]
Allowance for credit losses, end of the period	13,201.9				9,507.9		7,759.3
Allowance for credit losses:
Allowance individually evaluated for impairment	0				0		0
Allowance collectively evaluated for impairment	13,201.9				9,507.9		7,759.3
Loans:
Loans individually evaluated for impairment	0				0		0
Loans collectively evaluated for impairment	₨ 3,547,631.8				₨ 2,835,407.3		₨ 2,130,001.6

[1]	Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 25,658.9 million (US$ 340.3 million). Recoveries from retail loans is Rs.22,548.7 million and from wholesale loans is Rs. 3,110.2 million.
[2]	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.
[3]	Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 12,590.8 million. Recoveries from retail loans is Rs. 12,254.3 million and from wholesale loans is Rs. 336.5 million.

Allowance for Credit Losses (Pa

Allowance for Credit Losses (Parenthetical) (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)	Mar. 31, 2018INR (₨)
Financing Receivable, Allowance for Credit Loss [Line Items]
Cash recoveries, recoveries against write off cases	₨ 25,658.9	$ 340.3	₨ 16,777.1	₨ 12,590.8
Retail Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Recoveries of loans	22,548.7		16,590.9	12,254.3
Wholesale loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Recoveries of loans	₨ 3,110.2		₨ 186.2	₨ 336.5

Troubled Debt Restructurings Mo

Troubled Debt Restructurings Modifications (Detail) ₨ in Millions, $ in Millions		12 Months Ended
		Mar. 31, 2020INR (₨)		Mar. 31, 2020USD ($)	[1]	Mar. 31, 2019INR (₨)		Mar. 31, 2020USD ($)	[1]
Retail Loans \| Retail Business Banking
Financing Receivable, Troubled Debt Restructuring [Line Items]
TDR modifications carrying value		₨ 964.1	[1]			₨ 17.9	[2]	$ 12.8
Balance of Principal Forgiven		0	[1]	$ 0		0	[2]
Net P&L impact	[3]	43.1	[1]	$ 0.6		4.5	[2]
Commercial vehicle and construction equipment finance
Financing Receivable, Troubled Debt Restructuring [Line Items]
TDR modifications carrying value		0				0
Balance of Principal Forgiven		0				0
Net P&L impact	[3]	0				0
Wholesale loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
TDR modifications carrying value		0				0
Balance of Principal Forgiven		0				0
Net P&L impact	[3]	0				0
Financing Receivable Troubled Debt Restructurings Changes in Amount of Principal Payments \| Retail Loans \| Retail Business Banking
Financing Receivable, Troubled Debt Restructuring [Line Items]
TDR modifications carrying value		0	[1],[3],[4]			0	[2],[4]	0	[3]
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		0	[4]			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		0	[4]			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	[5]	964.1	[1]			17.9	[2]	12.8
Financing Receivable Troubled Debt Restructurings Changes in Amount of Interest Payments \| Commercial vehicle and construction equipment finance
Financing Receivable, Troubled Debt Restructuring [Line Items]
TDR modifications carrying value	[5]	0				0
Financing Receivable Troubled Debt Restructurings Changes in Amount of Interest Payments \| Wholesale loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
TDR modifications carrying value	[5]	0				0
Financing Receivable Troubled Debt Restructurings Changes in Amount of Principal and Interest Payments \| Retail Loans \| Retail Business Banking
Financing Receivable, Troubled Debt Restructuring [Line Items]
TDR modifications carrying value		0	[1]			0	[2]	$ 0
Financing Receivable Troubled Debt Restructurings Changes in Amount of Principal and Interest Payments \| Commercial vehicle and construction equipment finance
Financing Receivable, Troubled Debt Restructuring [Line Items]
TDR modifications carrying value		0				0
Financing Receivable Troubled Debt Restructurings Changes in Amount of Principal and Interest Payments \| Wholesale loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
TDR modifications carrying value		₨ 0				₨ 0

[1]	TDR modification during the year ended March 31, 2020 comprised of 13 cases.
[2]	TDR modification during the year ended March 31, 2019 comprised of one case.
[3]	Balances reflect charge-offs and/or allowance for credit losses and/or income not recognized/deferred.
[4]	TDRs involving changes in the amount of principal payment may include principal forgiveness or deferral of periodic and/or final principal payments.
[5]	TDRs involving changes in the amount of interest payments may involve a reduction in interest rate.

Troubled Debt Restructurings th

Troubled Debt Restructurings that Have Defaulted (Detail) - 12 months ended Mar. 31, 2020 ₨ in Millions, $ in Millions	INR (₨)	USD ($)
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded investment of defaults	₨ 17.9	$ 0.2
Retail Loans \| Retail Business Banking
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded investment of defaults	17.9
Retail Loans \| Commercial vehicle and construction equipment finance
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded investment of defaults	0
Wholesale loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Recorded investment of defaults	₨ 0

Interest on Loans by Facility (

Interest on Loans by Facility (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)	Mar. 31, 2018INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Interest on loans	₨ 981,794.8	$ 13,022.9	₨ 827,683	₨ 667,458.7
Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Interest on loans	245,504.7	3,256.5	199,928	152,124.6
Retail Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Interest on loans	₨ 736,290.1	$ 9,766.4	₨ 627,755	₨ 515,334.1

Sales Transfer of Receivables (

Sales Transfer of Receivables (Detail) - Performing ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)	Mar. 31, 2018INR (₨)
Cash flow information
Collections against securitized receivables/transfers	₨ 142.9	$ 1.9	₨ 233.5	₨ 303.9
Payments made	139.3	1.8	237.7	301.8
Cash flows on retained interests	₨ 6.1	$ 0.1	₨ 2.1	₨ 3.8

Other Key Disclosures (Detail)

Other Key Disclosures (Detail) - Finance Receivable Held by Special Purpose Entities, Transferees ₨ in Millions, $ in Millions	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Securitization or Asset-backed Financing Arrangement, Financial Asset for which Transfer is Accounted as Sale [Line Items]
Transferred receivables with continuing involvement	₨ 301.1	$ 4	₨ 398.4
Delinquencies	262	3.5	253.8
Credit losses	256.4	3.4	242
Retained interest in sold receivables	₨ 12.1	$ 0.2	₨ 15.9

Fair Value of Retained Interest

Fair Value of Retained Interests (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Annual prepayment rate:
Impact of 10% adverse change	₨ 1.3	$ 0	₨ 1.7
Impact of 20% adverse change	2.5	0	3.3
Expected credit losses:
Impact of 10% adverse change	1.8	0	2.3
Impact of 20% adverse change	₨ 3.6	$ 0	₨ 4.5

Concentrations of Credit Risk_2

Concentrations of Credit Risk (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)	Mar. 31, 2020USD ($)
Concentration Risk [Line Items]
Gross loans	₨ 10,623,855.6		₨ 9,111,464.6	$ 140,918.6
Fair Value Of Credit Substitutes	362,373.7		272,886.8	$ 4,806.7
Non-funded exposure	1,224,692.9		1,147,966.2
Total Exposure	₨ 12,210,922.2	$ 161,969.9	₨ 10,532,317.6
Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	100.00%	100.00%	100.00%
Consumer Loans
Concentration Risk [Line Items]
Gross loans	₨ 2,958,437.7		₨ 2,477,945.6
Fair Value Of Credit Substitutes	2,756.6		0
Non-funded exposure	446.4		1,552.1
Total Exposure	₨ 2,961,640.7	$ 39,284.3	₨ 2,479,497.7
Consumer Loans \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	24.30%	24.30%	23.50%
Retail Trade
Concentration Risk [Line Items]
Gross loans	₨ 533,155.3		₨ 445,757.8
Fair Value Of Credit Substitutes	343.7		1,170.7
Non-funded exposure	22,820.3		15,051.6
Total Exposure	₨ 556,319.3	$ 7,379.2	₨ 461,980.1
Retail Trade \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	4.60%	4.60%	4.40%
NBFC/Financial Intermediaries
Concentration Risk [Line Items]
Gross loans	₨ 317,450		₨ 311,477.1
Fair Value Of Credit Substitutes	76,860.2		98,274
Non-funded exposure	1,659.1		13,203.1
Total Exposure	₨ 395,969.3	$ 5,252.3	₨ 422,954.2
NBFC/Financial Intermediaries \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	3.20%	3.20%	4.00%
Automobile and Auto Ancillary
Concentration Risk [Line Items]
Gross loans	₨ 330,632.5		₨ 352,979.1
Fair Value Of Credit Substitutes	18,397.9		10,413.9
Non-funded exposure	33,037		32,546.7
Total Exposure	₨ 382,067.4	$ 5,067.9	₨ 395,939.7
Automobile and Auto Ancillary \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	3.10%	3.10%	3.80%
Road Transportation
Concentration Risk [Line Items]
Gross loans	₨ 376,334.2		₨ 376,547.1
Fair Value Of Credit Substitutes	495.3		0
Non-funded exposure	10,849.7		9,808.2
Total Exposure	₨ 387,679.2	$ 5,142.3	₨ 386,355.3
Road Transportation \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	3.20%	3.20%	3.70%
Consumer Services
Concentration Risk [Line Items]
Gross loans	₨ 399,046.4		₨ 354,060.4
Fair Value Of Credit Substitutes	2,015.1		3,957.3
Non-funded exposure	19,135.9		13,757.6
Total Exposure	₨ 420,197.4	$ 5,573.6	₨ 371,775.3
Consumer Services \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	3.40%	3.40%	3.50%
Agriculture Production - Food
Concentration Risk [Line Items]
Gross loans	₨ 313,143.6		₨ 330,092.5
Fair Value Of Credit Substitutes	0		0
Non-funded exposure	833.3		728.8
Total Exposure	₨ 313,976.9	$ 4,164.7	₨ 330,821.3
Agriculture Production - Food \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.60%	2.60%	3.10%
Power
Concentration Risk [Line Items]
Gross loans	₨ 458,628.1		₨ 251,169.4
Fair Value Of Credit Substitutes	48,997.7		37,188.7
Non-funded exposure	41,445.6		39,998.4
Total Exposure	₨ 549,071.4	$ 7,283.1	₨ 328,356.5
Power \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	4.50%	4.50%	3.10%
Telecom
Concentration Risk [Line Items]
Gross loans	₨ 232,932		₨ 246,272.4
Fair Value Of Credit Substitutes	10,412.6		21,288.6
Non-funded exposure	29,949.6		26,245.9
Total Exposure	₨ 273,294.2	$ 3,625.1	₨ 293,806.9
Telecom \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.20%	2.20%	2.80%
Real Estate and Property Services
Concentration Risk [Line Items]
Gross loans	₨ 280,870.4		₨ 257,056.8
Fair Value Of Credit Substitutes	4,309.5		1,978.8
Non-funded exposure	36,335.2		33,482.7
Total Exposure	₨ 321,515.1	$ 4,264.7	₨ 292,518.3
Real Estate and Property Services \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.60%	2.60%	2.80%
Engineering
Concentration Risk [Line Items]
Gross loans	₨ 240,196		₨ 159,462.7
Fair Value Of Credit Substitutes	12,255.3		1,557.3
Non-funded exposure	144,296.9		120,816
Total Exposure	₨ 396,748.2	$ 5,262.6	₨ 281,836
Engineering \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	3.20%	3.20%	2.70%
Food And Beverage
Concentration Risk [Line Items]
Gross loans	₨ 260,907.9		₨ 233,798.9
Fair Value Of Credit Substitutes	1,391.3		0
Non-funded exposure	21,853.6		15,325.7
Total Exposure	₨ 284,152.8	$ 3,769.1	₨ 249,124.6
Food And Beverage \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.30%	2.30%	2.40%
Financial Institutions
Concentration Risk [Line Items]
Gross loans	₨ 219,417.5
Fair Value Of Credit Substitutes	59,118.8
Non-funded exposure	2,058.7
Total Exposure	₨ 280,595	$ 3,721.9
Financial Institutions \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.30%	2.30%
Business Services
Concentration Risk [Line Items]
Gross loans	₨ 244,028.7		₨ 236,853.7
Fair Value Of Credit Substitutes	2,278.5		249.2
Non-funded exposure	15,953.3		11,318.3
Total Exposure	₨ 262,260.5	$ 3,478.7	₨ 248,421.2
Business Services \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.10%	2.10%	2.40%
Iron and Steel
Concentration Risk [Line Items]
Gross loans	₨ 231,524.9		₨ 195,488.6
Fair Value Of Credit Substitutes	1,144.7		5,514.4
Non-funded exposure	45,235.4		44,149.5
Total Exposure	₨ 277,905	$ 3,686.2	₨ 245,152.5
Iron and Steel \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.30%	2.30%	2.30%
Coal & Petroleum Products
Concentration Risk [Line Items]
Gross loans	₨ 136,531.9		₨ 92,504.7
Fair Value Of Credit Substitutes	33,834.9		705
Non-funded exposure	115,440.2		150,857.5
Total Exposure	₨ 285,807	$ 3,791	₨ 244,067.2
Coal & Petroleum Products \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.30%	2.30%	2.30%
Wholesale Trade - Industrial
Concentration Risk [Line Items]
Gross loans	₨ 211,849.6		₨ 192,708.4
Fair Value Of Credit Substitutes	34.2		67.8
Non-funded exposure	34,840.2		29,835.7
Total Exposure	₨ 246,724	$ 3,272.6	₨ 222,611.9
Wholesale Trade - Industrial \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.00%	2.00%	2.10%
Textiles and Garments
Concentration Risk [Line Items]
Gross loans			₨ 187,527.5
Fair Value Of Credit Substitutes			4,436.1
Non-funded exposure			26,803.8
Total Exposure			₨ 218,767.4
Textiles and Garments \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%			2.10%
Infrastructure Development
Concentration Risk [Line Items]
Gross loans	₨ 165,578.8		₨ 128,273.5
Fair Value Of Credit Substitutes	2,457.1		9,035.5
Non-funded exposure	104,731.8		79,596.8
Total Exposure	₨ 272,767.7	$ 3,618.1	₨ 216,905.8
Infrastructure Development \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.20%	2.20%	2.10%
Wholesale Trade - Non Industrial
Concentration Risk [Line Items]
Gross loans	₨ 238,436.5		₨ 200,089.4
Fair Value Of Credit Substitutes	0		248.3
Non-funded exposure	18,766.1		12,218.2
Total Exposure	₨ 257,202.6	$ 3,411.6	₨ 212,555.9
Wholesale Trade - Non Industrial \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.10%	2.10%	2.00%
Others (none greater than 2%)
Concentration Risk [Line Items]
Gross loans	₨ 2,474,753.6		₨ 2,081,399
Fair Value Of Credit Substitutes	85,270.3		76,801.2
Non-funded exposure	525,004.6		470,669.6
Total Exposure	₨ 3,085,028.5	$ 40,920.9	₨ 2,628,869.8
Others (none greater than 2%) \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	25.50%	25.50%	24.90%

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, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Concentration Risk [Line Items]
Total Exposure	₨ 12,210,922.2	$ 161,969.9	₨ 10,532,317.6
Borrower 1
Concentration Risk [Line Items]
Total Exposure	244,582.8	3,244.2	152,598.3
Borrower 1 \| Funded Exposure
Concentration Risk [Line Items]
Total Exposure	243,382.8		146,141.2
Borrower 1 \| Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	1,200		6,457.1
Borrower 2
Concentration Risk [Line Items]
Total Exposure	180,405.1	2,393	142,578.4
Borrower 2 \| Funded Exposure
Concentration Risk [Line Items]
Total Exposure	180,100		27,488.9
Borrower 2 \| Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	305.1		115,089.5
Borrower 3
Concentration Risk [Line Items]
Total Exposure	164,349.6	2,180	120,317.1
Borrower 3 \| Funded Exposure
Concentration Risk [Line Items]
Total Exposure	163,738.7		120,004.3
Borrower 3 \| Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	610.9		312.8
Borrower 4
Concentration Risk [Line Items]
Total Exposure	149,853.6	1,987.7	93,471.4
Borrower 4 \| Funded Exposure
Concentration Risk [Line Items]
Total Exposure	74,421.4		92,271.4
Borrower 4 \| Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	75,432.2		1,200
Borrower 5
Concentration Risk [Line Items]
Total Exposure	135,455	1,796.7	80,041.1
Borrower 5 \| Funded Exposure
Concentration Risk [Line Items]
Total Exposure	135,455		80,008.5
Borrower 5 \| Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	0		32.6
Borrower 6
Concentration Risk [Line Items]
Total Exposure	87,586	1,161.8	72,447.9
Borrower 6 \| Funded Exposure
Concentration Risk [Line Items]
Total Exposure	31,934.6		57,604
Borrower 6 \| Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	55,651.4		14,843.9
Borrower 7
Concentration Risk [Line Items]
Total Exposure	78,583.2	1,042.4	67,754.9
Borrower 7 \| Funded Exposure
Concentration Risk [Line Items]
Total Exposure	63,228		32,948.9
Borrower 7 \| Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	15,355.2		34,806
Borrower 8
Concentration Risk [Line Items]
Total Exposure	75,257.5	998.2	66,446.8
Borrower 8 \| Funded Exposure
Concentration Risk [Line Items]
Total Exposure	75,035.9		51,283.8
Borrower 8 \| Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	221.6		15,163
Borrower 9
Concentration Risk [Line Items]
Total Exposure	75,210.5	997.6	66,115.6
Borrower 9 \| Funded Exposure
Concentration Risk [Line Items]
Total Exposure	75,027.7		43,602.4
Borrower 9 \| Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	182.8		22,513.2
Borrower 10
Concentration Risk [Line Items]
Total Exposure	73,489.4	$ 974.8	56,907
Borrower 10 \| Funded Exposure
Concentration Risk [Line Items]
Total Exposure	51,361.3		30,559.1
Borrower 10 \| Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	₨ 22,128.1		₨ 26,347.9

Property and Equipment by Asset

Property and Equipment by Asset Category (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Property, Plant and Equipment [Line Items]
Land and premises	₨ 19,567.6	$ 259.5	₨ 18,836.5
Software and systems	33,433.9	443.5	29,855.2
Equipment and furniture	82,179.1	1,090.1	73,601.8
Property and equipment, at cost	135,180.6	1,793.1	122,293.5
Less: Accumulated depreciation	86,852.9	1,152.1	79,105.7
Property and equipment, net	₨ 48,327.7	$ 641	₨ 43,187.8

Property and Equipment - Additi

Property and Equipment - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)	Mar. 31, 2018INR (₨)
Property, Plant and Equipment [Line Items]
Depreciation and amortization	₨ 12,800.3	$ 169.8	₨ 12,247.8	₨ 9,678.9

Goodwill and Other Intangible_2

Goodwill and Other Intangible Assets - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)	Mar. 31, 2018INR (₨)	Mar. 31, 2020USD ($)
Goodwill and Intangible Assets Disclosure [Line Items]
Goodwill	₨ 74,937.9		₨ 74,937.9		$ 994
Net carrying amount	0		0
Amortization of intangible assets	₨ 0	$ 0	₨ 1	₨ 1

Other Assets (Detail)

Other Assets (Detail) ₨ in Millions, $ in Millions		Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Other Assets Disclosure [Line Items]
Security deposits for leased property		₨ 5,410.3	$ 71.8	₨ 5,112.9
Sundry accounts receivable		55,379.5	734.6	49,465.6
Advance income tax (net of current tax expense)		25,140.7	333.5	18,785.7
Advances		7,639.3	101.3	4,213.1
Prepaid expenses		1,374.6	18.2	1,356.7
Deposits/Margins paid		15,226.9	202	8,319.8
Derivatives (refer to note 24)		190,537.6	2,527.4	132,524.1
Term placements		109,372.8	1,450.8	115,428.4
Receivable on account of trade date		221,960.9	2,944.1	4,890.7
Right-of-use assets		60,756.9	805.9	0
Others	[1]	44,552.6	590.9	55,636
Total		₨ 737,352.1	$ 9,780.5	₨ 395,733

[1]	Effective April 1, 2018, the Bank adopted ASU 2016-01. The equity securities that were previously reported as AFS securities were reclassified to other assets with carrying value amounting to Rs. 1,267.7 million. Others include equity securities with carrying value amounting to Rs. 11,483.4 million and Rs. 11,611.2 million as at March 31, 2019 and March 31, 2020, respectively. Equity securities include non-marketable equity securities carried at cost Rs. 459.4 million and Rs. 696.9 million as at March 31, 2019 and March 31, 2020, respectively. Unrealized gain \ (loss) recognized in non-interest revenue–other, net Rs 6,717.5 million and Rs. (131.1) million for the fiscal year ended March 31, 2019 and March 31, 2020, respectively.

Other Assets (Parenthetical) (D

Other Assets (Parenthetical) (Detail) ₨ in Millions, $ in Millions		12 Months Ended
		Mar. 31, 2020INR (₨)	Mar. 31, 2019INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2018INR (₨)
Other Assets Disclosure [Line Items]
Other assets	[1]	₨ 44,552.6	₨ 55,636	$ 590.9
ASU 2016-01
Other Assets Disclosure [Line Items]
Unrealized gain \ (loss) recognized in non-interest revenue–other, net		(131.1)	6,717.5
ASU 2016-01 \| Equity securities
Other Assets Disclosure [Line Items]
Other assets		11,611.2	11,483.4		₨ 1,267.7
ASU 2016-01 \| Equity securities \| Non Marketable Equity Securities [Member]
Other Assets Disclosure [Line Items]
Other assets		₨ 696.9	₨ 459.4

[1]	Effective April 1, 2018, the Bank adopted ASU 2016-01. The equity securities that were previously reported as AFS securities were reclassified to other assets with carrying value amounting to Rs. 1,267.7 million. Others include equity securities with carrying value amounting to Rs. 11,483.4 million and Rs. 11,611.2 million as at March 31, 2019 and March 31, 2020, respectively. Equity securities include non-marketable equity securities carried at cost Rs. 459.4 million and Rs. 696.9 million as at March 31, 2019 and March 31, 2020, respectively. Unrealized gain \ (loss) recognized in non-interest revenue–other, net Rs 6,717.5 million and Rs. (131.1) million for the fiscal year ended March 31, 2019 and March 31, 2020, respectively.

Deposits (Detail)

Deposits (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Interest-bearing:
Savings deposits	₨ 3,103,769.5	$ 41,169.5	₨ 2,487,001.6
Time deposits	6,626,711.8	87,899.1	5,317,715.9
Total interest-bearing deposits	9,730,481.3	129,068.6	7,804,717.5
Non-interest-bearing deposits	1,731,590	22,968.4	1,420,309.4
Total	₨ 11,462,071.3	$ 152,037	₨ 9,225,026.9

Deposits - Additional Informati

Deposits - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Deposits From Banking Clients [Line Items]
Time deposits with residual maturity of one year or less	₨ 5,233,225	$ 69,415.4	₨ 4,570,771.1
Time deposits	₨ 6,626,711.8	$ 87,899.1	5,317,715.9
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	₨ 6,397,698.1		₨ 5,145,912.9

Scheduled Maturities for Total

Scheduled Maturities for Total Time Deposits (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Due to mature in the fiscal year ending March 31:
2021	₨ 5,233,225	$ 69,415.4	₨ 4,570,771.1
2022	992,908.7	13,170.3
2023	251,362.6	3,334.2
2024	66,752.1	885.4
2025	49,990.3	663.1
Thereafter	32,473.1	430.7
Total	₨ 6,626,711.8	$ 87,899.1	₨ 5,317,715.9

Short-Term Borrowings (Detail)

Short-Term Borrowings (Detail) ₨ in Millions, $ in Millions	12 Months Ended
Short-Term Borrowings (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)	Mar. 31, 2020USD ($)
Short-term Debt [Line Items]
Short-term borrowings	₨ 377,417.6		₨ 654,058	$ 5,006.2
Weighted average interest rate	3.20%		5.30%	3.20%
Maximum amount outstanding	₨ 971,364	$ 12,884.5	₨ 957,026.5
Average amount outstanding	493,786.9	$ 6,549.8	705,161.6
Borrowed in the call market
Short-term Debt [Line Items]
Short-term borrowings	11,339.8		9,155.9	$ 150.4
Term borrowings from institutions/banks
Short-term Debt [Line Items]
Short-term borrowings	73,737.9		363,921.2	978.1
Foreign currency borrowings
Short-term Debt [Line Items]
Short-term borrowings	₨ 292,339.9		₨ 280,980.9	$ 3,877.7

Long-Term Debt (Detail)

Long-Term Debt (Detail) ₨ in Millions, $ in Millions		Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Debt Instrument [Line Items]
Subordinated debt		₨ 218,755	$ 2,901.6	₨ 211,320
Others	[1]	808,222	10,720.5	833,265.2
Less: Debt issuance cost		(458.7)	(6)	(32.2)
Total		₨ 1,026,518.3	$ 13,616.1	₨ 1,044,553

[1]	Includes securities sold under repurchase agreements amounting to Rs. 17,260.0 million (USD 228.9 million) for the fiscal period ended March 31, 2020 with stated interest rate of 5.15% per annum, 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, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Debt Instrument [Line Items]
Long-term debt	₨ 1,026,518.3	$ 13,616.1	₨ 1,044,553
Securities sold under repurchase agreement
Debt Instrument [Line Items]
Long-term debt	₨ 17,260	$ 228.9
Interest rate	5.15%	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, 2020INR (₨)	Mar. 31, 2019INR (₨)	Mar. 31, 2020USD ($)
Debt Instrument [Line Items]
Total		₨ 1,026,518.3	₨ 1,044,553	$ 13,616.1
Perpetual debt
Debt Instrument [Line Items]
Total		₨ 84,972.7
Subordinated debt \| Subordinated Debt Other Than Perpetual Debt
Debt Instrument [Line Items]
Maturity /Call dates, start		2021	2021
Maturity /Call dates, end		2030	2029
Total		₨ 133,730.8	₨ 128,315.8	1,773.9
Subordinated debt \| Perpetual debt
Debt Instrument [Line Items]
Maturity /Call dates, start		2023	2023
Maturity /Call dates, end		2030	2029
Total		₨ 84,972.7	₨ 82,997.9	$ 1,127.1
Subordinated debt \| Minimum \| Subordinated Debt Other Than Perpetual Debt
Debt Instrument [Line Items]
Stated interest rates		7.56%	7.56%	7.56%
Subordinated debt \| Minimum \| Perpetual debt
Debt Instrument [Line Items]
Stated interest rates		8.84%	8.85%	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%	9.40%	9.70%
Others \| Variable rate-(1)
Debt Instrument [Line Items]
Maturity /Call dates, start	[1]	2021	2020
Maturity /Call dates, end	[1]	2023	2022
Total	[1]	₨ 59,018.7	₨ 36,288.8	$ 782.8
Others \| Variable rate-(2)
Debt Instrument [Line Items]
Maturity /Call dates, start	[1]	2021	2020
Maturity /Call dates, end	[1]	2024	2024
Total	[1]	₨ 118,083.8	₨ 116,615.2	1,566.3
Others \| Fixed rate-(1)
Debt Instrument [Line Items]
Maturity /Call dates, start	[1]	2021	2020
Maturity /Call dates, end	[1]	2030	2029
Total	[1]	₨ 630,712.3	₨ 680,335.3	$ 8,366
Others \| Minimum \| Variable rate-(1)
Debt Instrument [Line Items]
Stated interest rates	[1]	0.80%	3.30%	0.80%
Others \| Minimum \| Variable rate-(2)
Debt Instrument [Line Items]
Stated interest rates	[1]	7.50%	8.25%	7.50%
Others \| Minimum \| Fixed rate-(1)
Debt Instrument [Line Items]
Stated interest rates	[1]	4.15%	4.60%	4.15%
Others \| Maximum \| Variable rate-(1)
Debt Instrument [Line Items]
Stated interest rates	[1]	2.87%	3.88%	2.87%
Others \| Maximum \| Variable rate-(2)
Debt Instrument [Line Items]
Stated interest rates	[1]	8.95%	10.05%	8.95%
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, 2020 ₨ in Millions, $ in Millions		INR (₨)	USD ($)
Due in the twelve months ending March 31:
2021		₨ 223,540.8	$ 2,965.1
2022		125,258.5	1,661.5
2023		192,835.2	2,557.8
2024		58,948.6	781.9
2025		60,797.6	806.4
Thereafter		280,164.9	3,716.2
Total	[1]	₨ 941,545.6	$ 12,488.9

[1]	The scheduled maturities of long-term debt do not include perpetual bonds of Rs. 84,972.7 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, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Debt Instrument [Line Items]
Long-term debt	₨ 1,026,518.3	$ 13,616.1	₨ 1,044,553
Perpetual debt
Debt Instrument [Line Items]
Long-term debt	₨ 84,972.7

Long-Term Debt - Additional Inf

Long-Term Debt - Additional Information (Detail) ₨ in Millions, $ in Millions		12 Months Ended
		Mar. 31, 2020INR (₨)	Mar. 31, 2019INR (₨)	Mar. 31, 2020USD ($)
Debt Instrument [Line Items]
Subordinated debt, debt raised during the year		₨ 5,435	₨ 6,000
Other long term debt, debt raised during the year		264,669.7	311,093.6
Perpetual debt, debt raised during the year		2,000	3,000
Other long-term debt	[1]	808,222	833,265.2	$ 10,720.5
Foreign currency borrowings
Debt Instrument [Line Items]
Other long-term debt		59,392.3	36,305.9
Functional currency borrowings
Debt Instrument [Line Items]
Other long-term debt		₨ 748,829.7	₨ 796,959.3

[1]	Includes securities sold under repurchase agreements amounting to Rs. 17,260.0 million (USD 228.9 million) for the fiscal period ended March 31, 2020 with stated interest rate of 5.15% per annum, under RBI long-term repo operation with a three-year maturity period.

Accrued Expenses and Other Li_3

Accrued Expenses and Other Liabilities (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Other Liabilities [Line Items]
Bills payable	₨ 75,837.2	$ 1,005.9	₨ 70,404
Remittances in transit	35,507.3	471	41,721.1
Accrued expenses	54,898.3	728.2	57,816.9
Accounts payable	103,386.2	1,371.4	88,212.9
Derivatives (refer to note 24)	184,783	2,451	128,449
Lease liabilities	65,615.1	870.3	0
Others	91,300.1	1,211	80,834.7
Total	₨ 611,327.2	$ 8,108.8	₨ 467,438.6

Accrued Expenses and Other Li_4

Accrued Expenses and Other Liabilities - Additional Information (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Credit card
Other Liabilities [Line Items]
Unamortized annual fees	₨ 786.8	$ 10.4	₨ 538.8

Changes in Accumulated Other Co

Changes in Accumulated Other Comprehensive Income After Tax (Detail) ₨ in Millions, $ in Millions		12 Months Ended
		Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance		₨ 1,635,624.6		₨ 1,176,493.3
Net unrealized gain/(loss) arising during the period		49,345.9		17,769
Amounts reclassified to income		(8,823.1)		(1,895.5)
Balance		1,896,493.8	$ 25,155.7	1,635,624.6
Revision of Prior Period, Change in Accounting Principle, Adjustment [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	[1]			0
Available for Sale Securities
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance		10,474.3		(4,467.3)
Net unrealized gain/(loss) arising during the period		47,574.2		17,105.1
Amounts reclassified to income		(8,823.1)		(1,895.5)
Balance		49,225.4	652.9	10,474.3
Available for Sale Securities \| Revision of Prior Period, Change in Accounting Principle, Adjustment [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance				(268)
Foreign Currency Translation Reserve
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance		1,334.5		670.6
Net unrealized gain/(loss) arising during the period		1,771.7		663.9
Amounts reclassified to income		0		0
Balance		3,106.2	41.2	1,334.5
Foreign Currency Translation Reserve \| Revision of Prior Period, Change in Accounting Principle, Adjustment [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance				0
Accumulated Other Comprehensive Income (Loss)
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance		11,808.8		(3,796.7)
Balance		₨ 52,331.6	$ 694.1	11,808.8
Accumulated Other Comprehensive Income (Loss) \| Revision of Prior Period, Change in Accounting Principle, Adjustment [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	[1]			₨ (268)

[1]	Effective April 1, 2018, the Bank adopted ASU 2016-01 “Financial Instruments—Overall (Subtopic 825-10)(see note 19)

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, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Available for sale debt securities:
Net of income tax	₨ (8,823.1)		₨ (1,895.5)
Available for Sale Securities
Available for sale debt securities:
Net of income tax	(8,823.1)		(1,895.5)
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	(22,671.3)	$ (300.7)	(3,994.6)
Other than temporary impairment losses on available for sale debt securities	9,109	120.8	1,081
Total before income tax	(13,562.3)	(179.9)	(2,913.6)
Income tax	4,739.2	62.9	1,018.1
Net of income tax	₨ (8,823.1)	$ (117)	₨ (1,895.5)

Non-Interest Revenue - Summary

Non-Interest Revenue - Summary of Disaggregation of Revenue (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)	Mar. 31, 2018INR (₨)
Disaggregation of Revenue [Line Items]
Fees and commissions	₨ 160,099.5	$ 2,123.6	₨ 134,155.2	₨ 120,060.9
Deposit Related Fees
Disaggregation of Revenue [Line Items]
Fees and commissions	29,031.9	385.1	25,383	22,424.9
Lending related fees
Disaggregation of Revenue [Line Items]
Fees and commissions	30,699.9	407.2	30,176.2	31,791.6
Third-party products related fees
Disaggregation of Revenue [Line Items]
Fees and commissions	28,169.6	373.7	22,000.4	20,908.1
Payments and cards business fees
Disaggregation of Revenue [Line Items]
Fees and commissions	58,899.3	781.3	47,012.4	34,551.4
Other
Disaggregation of Revenue [Line Items]
Fees and commissions	₨ 13,298.8	$ 176.3	₨ 9,583.2	₨ 10,384.9

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, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)	Mar. 31, 2018INR (₨)
Disaggregation of Revenue [Line Items]
Fees and commissions	₨ 160,099.5	$ 2,123.6	₨ 134,155.2	₨ 120,060.9
Retail Banking
Disaggregation of Revenue [Line Items]
Fees and commissions	146,855.7	1,947.9	123,070.6	110,927.2
Wholesale Banking
Disaggregation of Revenue [Line Items]
Fees and commissions	13,041.6	173	10,839.6	8,985
Treasury Services
Disaggregation of Revenue [Line Items]
Fees and commissions	₨ 202.2	$ 2.7	₨ 245	₨ 148.7

Income Tax Expense (Detail)

Income Tax Expense (Detail) ₨ in Millions, $ in Millions	12 Months Ended
Income Tax Expense (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)	Mar. 31, 2018INR (₨)
Components of Income Tax Expense Benefit Abstract
Current tax expense	₨ 105,587.8	$ 1,400.6	₨ 128,050.2	₨ 108,676
Deferred tax (benefit) expense	(101.2)	(1.3)	(8,129.4)	(10,403.5)
Interest on income tax refund	(6.6)	(0.2)	(527.3)	0
Income tax expense	₨ 105,480	$ 1,399.1	₨ 119,393.5	₨ 98,272.5

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, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)	Mar. 31, 2018INR (₨)
Reconciliation of Estimated Income Taxes to Income Tax Expense as Reported [Line Items]
Income before income tax expense	₨ 365,844	$ 4,852.8	₨ 339,959	₨ 277,106.4
Statutory income tax rate	25.17%	25.17%	34.94%	34.61%
Expected income tax expense	₨ 92,075.6	$ 1,221.3	₨ 118,795.3	₨ 95,901
Adjustments to reconcile expected income tax to actual tax expense
Interest on income tax refund	(4.9)	(0.1)	(343)	0
Stock-based compensation	1,881.6	25	1,867.2	2,282.3
Income exempt from taxes	(744.2)	(9.9)	(1,422.8)	(524.8)
Effect of change in statutory income tax rate	11,213.2	148.7	0	(209.2)
Others, net	1,058.7	14.1	496.8	823.2
Income tax expense	₨ 105,480	$ 1,399.1	₨ 119,393.5	₨ 98,272.5

Tax Effects of Significant Temp

Tax Effects of Significant Temporary Differences (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Deductible temporary differences:
Allowance for loan losses	₨ 37,561.2	$ 498.2	₨ 39,604.8
Lease liabilities	16,514	219	0
Employee benefits	1,415	18.8	2,063.1
Accrued expenses and other liabilities	3,381.2	44.8	4,310.4
Others	1,769.4	23.5	1,874.4
Deferred tax asset	60,640.8	804.3	47,852.7
Taxable temporary differences:
Right-of-use assets	16,514	219	0
Unrealized gain on securities available for sale	16,644.6	220.8	5,680.2
Loan origination cost and fees	3,373.3	44.7	5,606.3
Investments, others	1,510.2	20	2,677
Deferred tax liability	38,042.1	504.5	13,963.5
Net deferred tax asset (liability)	₨ 22,598.7	$ 299.8	₨ 33,889.2

Income Taxes - Additional Infor

Income Taxes - Additional Information (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)	Mar. 31, 2019USD ($)	Mar. 31, 2018INR (₨)
Income Taxes [Line Items]
Total unrecognized tax benefit	₨ 37,103.2	$ 492.1	₨ 14,448.1	$ 191.6	₨ 648.3
The total unrecognized tax benefits, if recognized, that would reduce the tax and thereby affect the effective tax rate	₨ 37,103.2
Income tax rate including surcharge and education cess	25.17%	25.17%

Reconciliation of Beginning and

Reconciliation of Beginning and Ending Balance of Unrecognized Tax Benefits (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Income Tax Contingency [Line Items]
Opening balance	₨ 14,448.1	$ 191.6	₨ 648.3
Increase related to prior year tax positions	16,274.4	215.9	13,799.8
Increase related to current year tax positions	6,380.7	84.6	0
Closing balance	₨ 37,103.2	$ 492.1	₨ 14,448.1

Stock-Based Compensation - Addi

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

Mar. 21, 2020shares

Oct. 19, 2019shares

Aug. 03, 2019shares

Feb. 02, 2019shares

Sep. 29, 2018shares

Sep. 01, 2018shares

Mar. 31, 2020INR (₨)₨ / sharesshares

Mar. 31, 2020USD ($)

Mar. 31, 2019INR (₨)₨ / sharesshares

Mar. 31, 2018INR (₨)

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

₨ 28.8

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

13,339.6

33,117.4

34,123.2

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

0.5

0.6

Stock-based compensation, aggregate intrinsic value of options outstanding

17,418

65,091.1

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

0.4

0.2

Stock-based compensation, aggregate intrinsic value of options exercisable

16,291.8

52,441.6

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

₨ 7,476.1

$ 99.2

₨ 5,343.3

₨ 6,594.6

Stock-based compensation, unvested options, outstanding | shares

78,401,210

56,003,100

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

₨ 1,113.5

₨ 933.6

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

₨ 0.2

₨ 0.3

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

1,126.2

12,649.5

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

₨ 13,294

₨ 7,065.9

Equity shares, par value | ₨ / shares

₨ 1

₨ 2

Equity shares, issued | shares

5,483,286,460

5,446,613,220

5,470,763,894

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

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

Scheme XXIX | Plan "G"

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

Stock-based compensation, options granted | shares

38,238,000

Scheme XXX | Plan "G"

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

Stock-based compensation, options granted | shares

880,000

Scheme XXXI | Plan "G"

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

Stock-based compensation, options granted | shares

672,000

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

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, 2020	Mar. 31, 2019	Mar. 31, 2018
Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Dividend yield	0.61%	0.62%	0.65%
Expected volatility	15.30%	14.53%	19.94%
Risk-free interest rate, lower range	5.81%	7.23%	6.73%
Expected term (in years)	2 years 9 months 25 days	2 years 9 months 10 days	4 years 7 months 28 days
Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Dividend yield	0.85%	0.65%	0.66%
Expected volatility	20.13%	18.68%	21.65%
Risk-free interest rate, upper range	6.70%	8.31%	7.20%
Expected term (in years)	5 years 5 months 1 day	5 years 1 month 28 days	6 years 21 days

Activity in Options Available t

Activity in Options Available to be Granted Under Employee Stock Option Scheme (Detail) - Employees Stock Option Scheme - shares	12 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Mar. 31, 2018
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options available to be granted, beginning of period	202,413,370	235,683,200	267,347,300
Equity shares allocated for grant under the plan	0	0	0
Options granted	(47,773,600)	(39,790,000)	(33,764,100)
Forfeited/lapsed	4,847,580	6,520,170	2,100,000
Options available to be granted, end of period	159,487,350	202,413,370	235,683,200

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, 2020	Mar. 31, 2019	Mar. 31, 2018
Options
Options outstanding, beginning of period	136,612,822	150,887,600	184,312,600
Granted	47,773,600	39,790,000	33,764,100
Exercised	(36,673,240)	(47,544,608)	(65,089,100)
Forfeited	(4,813,580)	(6,410,770)	(1,973,600)
Lapsed	(34,000)	(109,400)	(126,400)
Options outstanding, end of period	142,865,602	136,612,822	150,887,600
Options exercisable, end of period	64,464,392	80,609,722	93,620,500
Weighted Average Exercise Price
Options outstanding, beginning of period	₨ 682.99	₨ 525.11	₨ 452.48
Granted	1,220.13	1,030.24	716.61
Exercised	504.10	462.89	418.80
Forfeited	965.64	759.21	527.80
Lapsed	568.10	418.55	481.72
Options outstanding, end of period	899.03	682.99	525.11
Options exercisable, end of period	638.18	508.89	450.72
Weighted average fair value of options granted during the year	₨ 305.78	₨ 262.79	₨ 232.09

Stock Options Outstanding, Empl

Stock Options Outstanding, Employees Stock Option Schemes (Detail) - Employees Stock Option Scheme	12 Months Ended
	Mar. 31, 2020₨ / sharesshares	Mar. 31, 2020$ / shares₨ / sharesshares	Mar. 31, 2019₨ / sharesshares	Mar. 31, 2018₨ / sharesshares	Mar. 31, 2017₨ / sharesshares
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Number Of Shares Arising Out Of Options \| shares	142,865,602	142,865,602	136,612,822	150,887,600	184,312,600
Weighted Average Exercise Price \| ₨ / shares	₨ 899.03	₨ 899.03	₨ 682.99	₨ 525.11	₨ 452.48
Plan ''C''
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Range of exercise price, Lower Range \| (per share)	340	₨ 4.51
Range of exercise price, Upper Range \| (per share)	₨ 417.75	₨ 5.54
Number Of Shares Arising Out Of Options \| shares	485,100	485,100
Weighted Average Remaining Life	4 months 2 days	4 months 2 days
Weighted Average Exercise Price \| ₨ / shares	₨ 344.05	₨ 344.05
Plan ''D''
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Range of exercise price \| (per share)	₨ 340	₨ 5.51
Number Of Shares Arising Out Of Options \| shares	345,900	345,900
Weighted Average Remaining Life	3 months 18 days	3 months 18 days
Weighted Average Exercise Price \| ₨ / shares	₨ 340	₨ 340
Plan "E"
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Range of exercise price \| (per share)	₨ 340	₨ 5.51
Number Of Shares Arising Out Of Options \| shares	1,705,500	1,705,500
Weighted Average Remaining Life	3 months 18 days	3 months 18 days
Weighted Average Exercise Price \| ₨ / shares	₨ 340	₨ 340
Plan "F"
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Range of exercise price, Lower Range \| (per share)	417.75	₨ 5.54
Range of exercise price, Upper Range \| (per share)	₨ 731.08	₨ 9.70
Number Of Shares Arising Out Of Options \| shares	58,568,822	58,568,822
Weighted Average Remaining Life	2 years 7 days	2 years 7 days
Weighted Average Exercise Price \| ₨ / shares	₨ 587.08	₨ 587.08
Plan "G"
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Range of exercise price, Lower Range \| (per share)	882.85	₨ 11.71
Range of exercise price, Upper Range \| (per share)	₨ 1,229	₨ 16.30
Number Of Shares Arising Out Of Options \| shares	81,760,280	81,760,280
Weighted Average Remaining Life	3 years 5 months 12 days	3 years 5 months 12 days
Weighted Average Exercise Price \| ₨ / shares	₨ 1,139.82	₨ 1,139.82

Retirement Benefits - Additiona

Retirement Benefits - Additional Information (Detail) $ in Millions	12 Months Ended
	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)	Mar. 31, 2018INR (₨)
Defined Benefit Plan Disclosure [Line Items]
Defined benefit plan, expected contribution to the plan for the next fiscal year	₨ 1,960,600,000
Defined benefit plan, accumulated benefit obligation	5,005,900,000		₨ 3,777,300,000
Defined contribution plan, employer contribution recognized as an expense	₨ 4,901,400,000		3,312,100,000	₨ 3,081,400,000
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	₨ 1,269,900,000		1,034,100,000	₨ 676,800,000
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	₨ 37,900,000		32,700,000
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	₨ 1,096,700,000	$ 14.5	1,023,700,000
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	₨ 4,381,200,000		3,292,400,000
Pension
Defined Benefit Plan Disclosure [Line Items]
Defined benefit plan, expected contribution to the plan for the next fiscal year	129,700,000
Defined benefit plan, accumulated benefit obligation	387,000,000		468,300,000
Employer contributions	₨ 8,300,000	$ 0.1	8,800,000
Pension \| Centurion Bank of Punjab Limited
Defined Benefit Plan Disclosure [Line Items]
Defined benefit plan, employer contribution as a percentage of basic salary	10.00%	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	₨ 241,300,000		₨ 455,500,000

Funded Status of Gratuity Plan

Funded Status of Gratuity Plan and Amounts Recognized in Bank's Financial Statements (Detail) - Gratuity ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)	Mar. 31, 2018INR (₨)	Mar. 31, 2020USD ($)
Change in benefit obligations:
Projected benefit obligation ("PBO"), beginning of the period	₨ 6,653.5	$ 88.3	₨ 5,975.5
Service cost	965.4	12.8	820.6	₨ 741
Interest cost	483.3	6.4	476.7	392.2
Actuarial(gains)/ losses	368.9	4.9	(46.4)
Benefits paid	(588.1)	(7.8)	(572.9)
Projected benefit obligation, end of the period	7,883	104.6	6,653.5	5,975.5
Change in plan assets:
Fair value of plan assets, beginning of the period	5,501.8	73	4,573.4
Expected return on plan assets	389.9	5.2	347.4	297.4
Actuarial gains/(losses)	(620.5)	(8.2)	130.2
Actual return on plan assets	(230.6)	(3)	477.6
Employer contributions	1,096.7	14.5	1,023.7
Benefits paid	(588.1)	(7.8)	(572.9)
Fair value of plan assets, end of the period	5,779.8	$ 76.7	5,501.8	₨ 4,573.4
Funded Status	₨ (2,103.2)		₨ (1,151.7)		$ (27.9)

Net Gratuity Cost (Detail)

Net Gratuity Cost (Detail) - Gratuity ₨ in Millions, $ in Millions		12 Months Ended
		Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)	Mar. 31, 2018INR (₨)
Defined Benefit Plan Disclosure [Line Items]
Service cost		₨ 965.4	$ 12.8	₨ 820.6	₨ 741
Interest cost		483.3	6.4	476.7	392.2
Expected return on plan assets		(389.9)	(5.2)	(347.4)	(297.4)
Actuarial (gains)/losses		989.4	13.1	(176.6)	85.1
Net gratuity cost	[1]	₨ 2,048.2	$ 27.1	₨ 773.3	₨ 920.9

[1]	Effective April 1, 2018, the Bank adopted ASU 2017-07 Compensation- Retirement Benefits (Topic 715) -Improving the Presentation of Net Periodic Pension Cost and Net Periodic Postretirement Benefit Cost. Accordingly, service cost is reported in the Consolidated Statements of Income in line Non-interest expense-salaries and staff benefits and other components of net benefit cost is reported in the Consolidated Statements of Income in line Non-interest expense –Administrative and other. The amendments have been applied retrospectively.

Assumptions Used in Accounting

Assumptions Used in Accounting for Gratuity Plan (Detail) - Gratuity		12 Months Ended
		Mar. 31, 2020	Mar. 31, 2019	Mar. 31, 2018
Minimum
Defined Benefit Plan Disclosure [Line Items]
Discount rate - benefit obligations	[1]	6.00%	7.20%	7.40%
Discount rate - net periodic benefit cost	[1]	6.00%	7.20%	7.40%
Rate of increase in compensation levels of covered employees		7.00%	5.00%	5.00%
Rate of return on plan assets		6.00%	7.00%	7.00%
Maximum
Defined Benefit Plan Disclosure [Line Items]
Discount rate - benefit obligations	[1]	7.50%	8.40%	8.00%
Discount rate - net periodic benefit cost	[1]	7.50%	8.40%	8.00%
Rate of increase in compensation levels of covered employees		8.00%	9.00%	11.00%
Rate of return on plan assets		7.00%	7.20%	8.00%

[1]	Weighted average assumptions used to determine both benefit obligations and net periodic benefit cost.

Benefit Payments, Gratuity (Det

Benefit Payments, Gratuity (Detail) - Gratuity ₨ in Millions	Mar. 31, 2020INR (₨)
Benefit payments
2021	₨ 969.5
2022	784.2
2023	679.2
2024	602.3
2025	538.1
2026 - 2030	₨ 2,352.8

Plan Assets as Percentage of To

Plan Assets as Percentage of Total Funds (Detail) - Gratuity	Mar. 31, 2020
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	81.20%	[1]
Funds managed by insurance company (1) \| Debenture and bonds
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	13.80%	[1]
Funds managed by insurance company (1) \| Equity securities
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	4.90%	[1]
Funds managed by insurance company (1) \| Other
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	0.10%	[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	17.80%	[1]
Funds managed by insurance company (2) \| Debenture and bonds
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	32.00%	[1]
Funds managed by insurance company (2) \| Equity securities
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	48.10%	[1]
Funds managed by insurance company (2) \| Other
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	2.10%	[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	37.50%
Funds managed by trust \| Debenture and bonds
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	38.20%
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	24.30%

[1]	The data pertaining to plan investment assets measured at fair value by level and total at March 31, 2020 are provided separately.

Funded Status of Pension Plan a

Funded Status of Pension Plan and Amounts Recognized in Bank's Financial Statements (Detail) - Pension ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)	Mar. 31, 2018INR (₨)	Mar. 31, 2020USD ($)
Change in benefit obligations:
Projected benefit obligation ("PBO"), beginning of the period	₨ 677.6	$ 9	₨ 722.8
Service cost	6.5	0.1	7.7	₨ 7.6
Interest cost	45.3	0.6	66.3	57.9
Actuarial (gains)/losses	15.3	0.2	6.5
Benefits paid	(146.5)	(1.9)	(125.7)
Projected benefit obligation, end of the period	598.2	8	677.6	722.8
Change in plan assets:
Fair value of plan assets, beginning of the period	219.5	2.9	313
Expected return on plan assets	11	0.1	18.6	23.6
Actuarial gains/(losses)	2.9	0	4.8
Actual return on plan assets	13.9	0.1	23.4
Employer contributions	8.3	0.1	8.8
Benefits paid	(146.5)	(1.9)	(125.7)
Fair value of plan assets, end of the period	95.2	$ 1.2	219.5	₨ 313
Funded Status	₨ (503)		₨ (458.1)		$ (6.8)

Net Pension Cost (Detail)

Net Pension Cost (Detail) - Pension ₨ in Millions, $ in Millions		12 Months Ended
		Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)	Mar. 31, 2018INR (₨)
Defined Benefit Plan Disclosure [Line Items]
Service cost		₨ 6.5	$ 0.1	₨ 7.7	₨ 7.6
Interest cost		45.3	0.6	66.3	57.9
Expected return on plan assets		(11)	(0.1)	(18.6)	(23.6)
Actuarial (gains)/losses		12.4	0.2	1.7	16.7
Net pension cost	[1]	₨ 53.2	$ 0.8	₨ 57.1	₨ 58.6

[1]	Effective April 1, 2018, the Bank adopted ASU 2017-07 Compensation- Retirement Benefits (Topic 715) -Improving the Presentation of Net Periodic Pension Cost and Net Periodic Postretirement Benefit Cost. Accordingly, service cost is reported in the Consolidated Statements of Income in line Non-interest expense-salaries and staff benefits and other components of net benefit cost is reported in the Consolidated Statements of Income in line Non-interest expense –Administrative and other. The amendments have been applied retrospectively.

Assumptions Used in Accountin_2

Assumptions Used in Accounting for Pension Plan (Detail) - Pension		12 Months Ended
		Mar. 31, 2020	Mar. 31, 2019	Mar. 31, 2018
Defined Benefit Plan Disclosure [Line Items]
Discount rate - net periodic benefit cost	[1]	7.50%	8.40%	8.00%
Rate of increase in compensation levels of covered employees		7.00%	8.00%	8.00%
Rate of return on plan assets		7.00%	7.00%	7.00%
Discount rate - benefit obligations	[1]	7.50%	8.40%	8.00%

[1]	Weighted average assumptions used to determine both benefit obligations and net periodic benefit cost.

Benefit Payments, Pension (Deta

Benefit Payments, Pension (Detail) - Pension ₨ in Millions	Mar. 31, 2020INR (₨)
Benefit payments
2021	₨ 46.6
2022	43.7
2023	14.1
2024	21.3
2025	18.1
2026-2030	₨ 102.3

Weighted-Average Asset Allocati

Weighted-Average Asset Allocation of Said Plan Assets for Pension Benefits (Detail) - Pension	Mar. 31, 2020
Funds managed by trust
Weighted-average asset allocation	100.00%
Government Securities
Funds managed by trust
Weighted-average asset allocation	20.80%
Debenture and bonds
Funds managed by trust
Weighted-average asset allocation	17.10%
Other
Funds managed by trust
Weighted-average asset allocation	62.10%

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, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
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	₨ 118	$ 1.6	₨ 37.1
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	118		37.1
Fair Value Measurements Using Significant other observable inputs (Level 2)
Defined Benefit Plan Disclosure [Line Items]
Plan investment assets at fair value	5,156.8	68.4	5,059.2
Fair Value Measurements Using Significant other observable inputs (Level 2) \| Funds managed by insurance company (1)
Defined Benefit Plan Disclosure [Line Items]
Plan investment assets at fair value	0		0
Fair Value Measurements Using Significant other observable inputs (Level 2) \| Funds managed by insurance company (2)
Defined Benefit Plan Disclosure [Line Items]
Plan investment assets at fair value	4,937.3		4,632.5
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	110.8		106.6
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	108.7		320.1
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	600.2	$ 8	625
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	600.2		625
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, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Defined Benefit Plan Disclosure [Line Items]
Beginning balance	₨ 625	$ 8.3	₨ 519.9
Realized interest credited to fund	48	0.6	36.7
Contribution during the period	89.5	1.2	88.6
Amount paid towards claim	(162.3)	(2.1)	(20.2)
Ending Balance	₨ 600.2	$ 8	₨ 625

Aggregate Notional Principal Am

Aggregate Notional Principal Amounts of Bank's Outstanding Forward Exchange and Derivative Contracts (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Derivatives, Fair Value [Line Items]
Notional	₨ 10,230,668.8	$ 135,703.2	₨ 9,200,867.7
Gross Assets	190,537.6	2,527.4	132,524.1
Gross Liabilities	184,783	2,451	128,449
Net Fair Value	5,754.6	76.4	4,075.1
Interest rate derivatives
Derivatives, Fair Value [Line Items]
Notional	3,644,495.8	48,341.9	3,159,867.1
Gross Assets	49,876.8		27,932
Gross Liabilities	51,976.9		27,102.8
Net Fair Value	(2,100.1)	(27.9)	829.2
Forward rate agreements
Derivatives, Fair Value [Line Items]
Notional	0	0	0
Gross Assets	0		0
Gross Liabilities	0		0
Net Fair Value	0	0	0
Currency options
Derivatives, Fair Value [Line Items]
Notional	304,252.4	4,035.7	282,096.9
Gross Assets	3,034.4		2,326.1
Gross Liabilities	4,342		2,617.2
Net Fair Value	(1,307.6)	(17.3)	(291.1)
Currency swaps
Derivatives, Fair Value [Line Items]
Notional	202,725.6	2,689	197,044.2
Gross Assets	12,396		5,841
Gross Liabilities	6,592.1		4,070.7
Net Fair Value	5,803.9	77	1,770.3
Forward exchange contracts
Derivatives, Fair Value [Line Items]
Notional	6,079,195	80,636.6	5,561,859.5
Gross Assets	125,230.4		96,425
Gross Liabilities	121,872		94,658.3
Net Fair Value	₨ 3,358.4	$ 44.6	₨ 1,766.7

Information Related to Derivati

Information Related to Derivative Amounts Recognized in Income (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)	Mar. 31, 2018INR (₨)
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives gain/(loss), net	₨ 3,550	$ 47.1	₨ 12,409.1	₨ 6,742.6
Interest rate derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives gain/(loss), net	(2,572.2)	(34.1)	736.4	1,027.5
Forward rate agreements
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives gain/(loss), net	0	0	0.1	0.5
Currency options
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives gain/(loss), net	585.5	7.7	(262.5)	(15)
Currency swaps
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives gain/(loss), net	3,465.5	46	1,045	(1,706.9)
Forward exchange contracts
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives gain/(loss), net	₨ 2,071.2	$ 27.5	₨ 10,890.1	₨ 7,436.5

Amounts Subject to Enforceable

Amounts Subject to Enforceable Netting Arrangements (Detail) ₨ in Millions, $ in Millions		Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Derivative [Line Items]
Derivative assets, gross amounts		₨ 190,537.6	$ 2,527.4	₨ 132,524.1
Derivative assets, amounts offset		0		0
Derivative assets, net amounts reported in the balance sheet		190,537.6		132,524.1
Derivative assets, financial instruments		147,844.5		104,025.7
Derivative assets, financial collateral	[1]	8,326.7		2,651.7
Derivative assets, net amount		34,366.4	455.8	25,846.7
Securities purchased under agreements to resell, gross amounts		250,000	3,316.1	76,213.5
Securities purchased under agreements to resell, amounts offset		0		0
Securities purchased under agreements to resell, net amounts reported in the balance sheet		250,000		76,213.5
Securities purchased under agreements to resell, financial instruments		0		0
Securities purchased under agreements to resell, financial collateral	[1]	250,000		76,213.5
Securities purchased under agreements to resell, net amount		0	0	0
Derivative liabilities, gross amounts		184,783	2,451	128,449
Derivative liabilities, amounts offset		0		0
Derivative liabilities, net amounts reported in the balance sheet		184,783		128,449
Derivative liabilities, financial instruments		147,844.5		104,025.7
Derivative liabilities, financial collateral	[1]	6,706.7		3,098.1
Derivative liabilities, net amount		30,231.8	401	21,325.2
Securities sold under repurchase agreements, gross amounts		507,982	6,738.1	174,000
Securities sold under repurchase agreements, amounts offset		0		0
Securities sold under repurchase agreements, net amounts reported in the balance sheet		507,982		174,000
Securities sold under repurchase agreements, financial instruments		0		0
Securities sold under repurchase agreements, financial collateral	[1]	507,982		174,000
Securities sold under repurchase agreements, net amount		0	0	₨ 0
Long Term debt , gross amounts		17,260
Long Term debt , Amounts offset		0
Long Term debt ,Net amounts reported in the balance sheet		17,260
Long Term debt , Financial instruments		0
Long Term debt , Financial collateral	[1]	17,260
Long Term debt , Net amount		₨ 0	$ 0

[1]	Comprised of securities and cash collaterals. These amounts are limited to the asset/liability balance, and accordingly, do not include excess collateral received/pledged.

Financial Instruments - Additio

Financial Instruments - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Financial Instruments [Line Items]
Estimated fair values of bank guarantees	₨ 4,680.7	$ 62.1	₨ 4,046.1
Margins in the form of cash and fixed deposit available to the bank to reimburse losses realized under guarantees	130,500		99,500
Outstanding Undrawn commitments to provide loans and financing to customers	539,800	7,200	452,900
Unconditional cancellable commitments	3,806,200	50,500	3,150,900
Guarantees
Financial Instruments [Line Items]
Guarantees, contingent liability recognized in terms of FASB ASC 450	3,011.9		2,589.5
Guarantees
Financial Instruments [Line Items]
Estimated fair values of bank guarantees	₨ 4,191.9	$ 55.6	₨ 3,544.4
Minimum
Financial Instruments [Line Items]
Remaining tenure of guarantees outstanding	1 day
Maximum
Financial Instruments [Line Items]
Remaining tenure of guarantees outstanding	25 years 7 months 6 days

Details of Guarantees and Docum

Details of Guarantees and Documentary Credits Outstanding (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Guarantor Obligations [Line Items]
Bank guarantees	₨ 1,034,155.3	$ 13,717.4	₨ 1,015,442.1
Estimated fair values of bank guarantees	(4,680.7)	(62.1)	(4,046.1)
Financial guarantees
Guarantor Obligations [Line Items]
Bank guarantees	263,758	3,498.6	254,075.9
Performance guarantees
Guarantor Obligations [Line Items]
Bank guarantees	330,164.6	4,379.4	285,748.4
Documentary credits
Guarantor Obligations [Line Items]
Bank guarantees	440,232.7	5,839.4	475,617.8
Estimated fair values of documentary credits	(488.8)	(6.5)	(501.7)
Guarantees
Guarantor Obligations [Line Items]
Estimated fair values of bank guarantees	₨ (4,191.9)	$ (55.6)	₨ (3,544.4)

Comparison of Fair Values and C

Comparison of Fair Values and Carrying Values of Financial Instruments (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Financial Assets:
Cash and due from banks, and restricted cash	₨ 611,961	$ 8,117.3	₨ 734,872.6
Investments held for trading	304,962.9	4,045.1	265,516.1
Investments available for sale debt securities	3,406,289.2	45,182.2	2,633,348.4
Securities purchased under agreements to resell	250,000	3,316.1	76,213.5
Loans	10,425,022.4	138,281.2	8,963,232.6
Accrued interest receivable	103,035.9	1,366.7	93,031.7
Other assets	641,605.5	8,510.5	344,873.6
Financial Liabilities :
Interest-bearing deposits	9,730,481.3	129,068.6	7,804,717.5
Non-interest-bearingdeposits	1,731,590	22,968.4	1,420,309.4
Securities sold under repurchase agreements	507,982	6,738.1	174,000
Short-term borrowings	377,417.6	5,006.2	654,058
Accrued interest payable	80,078.9	1,062.2	79,372.5
Long-term debt	1,026,518.3	13,616.1	1,044,553
Accrued expenses and other liabilities	460,931.4	6,114	366,071.3
Financial Assets:
Cash and due from banks, and restricted cash	611,961	8,117.3	734,872.6
Investments held for trading	304,962.9	4,045.1	265,516.1
Investments available for sale debt securities	3,406,289.2	45,182.2	2,633,348.4
Securities purchased under agreements to resell	250,000	3,316.1	76,213.5
Loans	10,529,655.5	139,669.1	8,972,057.7
Accrued interest receivable	103,035.9	1,366.7	93,031.7
Other assets	639,876.5	8,487.6	343,157.6
Financial Liabilities :
Securities sold under repurchase agreements	507,982	6,738.1	174,000
Short-term borrowings	378,027.9	5,014.3	655,215.2
Accrued interest payable	80,078.9	1,062.2	79,372.5
Long-term debt	1,074,826.3	14,256.9	1,061,687
Accrued expenses and other liabilities	460,931.4	6,114	366,071.3
Interest Bearing Deposits Liabilities
Financial Liabilities :
Interest-bearing deposits	9,786,793.2	129,815.5	7,826,794
Non-interest-bearing deposits
Financial Liabilities :
Interest-bearing deposits	1,731,590	$ 22,968.4	1,420,309.4
Fair Value Measurements Using Quoted Prices In Active Markets for Identical Assets (Level 1)
Financial Assets:
Cash and due from banks, and restricted cash	611,961		734,872.6
Investments held for trading	6,291		1,999.6
Investments available for sale debt securities	371,450.5		34,807.2
Securities purchased under agreements to resell	0		0
Loans	0		0
Accrued interest receivable	0		0
Other assets	2,282.4		2,390.1
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	298,671.9		263,516.5
Investments available for sale debt securities	2,907,384.4		2,559,728.3
Securities purchased under agreements to resell	250,000		76,213.5
Loans	2,593,022.1		2,593,533.9
Accrued interest receivable	103,035.9		93,031.7
Other assets	637,594.1		340,767.5
Financial Liabilities :
Securities sold under repurchase agreements	507,982		174,000
Short-term borrowings	378,027.9		655,215.2
Accrued interest payable	80,078.9		79,372.5
Long-term debt	1,074,826.3		1,061,687
Accrued expenses and other liabilities	460,931.4		366,071.3
Fair Value Measurements Using Significant other observable inputs (Level 2) \| Interest Bearing Deposits Liabilities
Financial Liabilities :
Interest-bearing deposits	9,786,793.2		7,826,794
Fair Value Measurements Using Significant other observable inputs (Level 2) \| Non-interest-bearing deposits
Financial Liabilities :
Interest-bearing deposits	1,731,590		1,420,309.4
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	127,454.3		38,812.9
Securities purchased under agreements to resell	0		0
Loans	7,936,633.4		6,378,523.8
Accrued interest receivable	0		0
Other assets	0		0
Financial Liabilities :
Securities sold under repurchase agreements	0		0
Short-term borrowings	0		0
Accrued interest payable	0		0
Long-term debt	0		0
Accrued expenses and other liabilities	0		0
Fair Value Measurements Using Significant unobservable inputs (Level 3) \| Interest Bearing Deposits Liabilities
Financial Liabilities :
Interest-bearing deposits	0		0
Fair Value Measurements Using Significant unobservable inputs (Level 3) \| Non-interest-bearing deposits
Financial Liabilities :
Interest-bearing deposits	₨ 0		₨ 0

Segment Information - Additiona

Segment Information - Additional Information (Detail)	12 Months Ended
Segment Information - Additional Information (Detail)	Mar. 31, 2020Segment
Reportable segments	3

Summarized Segment Information

Summarized Segment Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)	Mar. 31, 2018INR (₨)	Mar. 31, 2020USD ($)
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)	₨ 593,527.4	$ 7,872.8	₨ 507,505.6	₨ 423,150.6
Less: Provision for credit losses	117,621.9	1,560.2	72,279.3	59,397.8
Net interest revenue, after provision for credit losses	475,905.5	6,312.6	435,226.3	363,752.8
Non-interest revenue	198,219	2,629.4	160,122.2	144,607
Non-interest expense	(308,280.5)	(4,089.2)	(255,389.5)	(231,253.4)
Income before income tax expense	365,844	4,852.8	339,959	277,106.4
Income tax expense	105,480	1,399.1	119,393.5	98,272.5
Segment assets:
Segment total assets	15,961,889.1		13,280,073.6	11,367,308.8	$ 211,724.1
Operating Segments
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)	593,527.4	$ 7,872.8	507,505.6	423,150.6
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)	483,083.2		399,016.2	344,888.5
Less: Provision for credit losses	104,516.8		64,051	52,577.1
Net interest revenue, after provision for credit losses	378,566.4		334,965.2	292,311.4
Non-interest revenue	161,890.1		138,783	122,582.6
Non-interest expense	(278,605.8)		(230,726.5)	(210,257.2)
Income before income tax expense	261,850.7		243,021.7	204,636.8
Segment assets:
Segment total assets	8,353,762.3		7,432,733.8	6,351,601.7
Retail Banking \| Operating Segments
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)	356,017.3		336,677.1	279,198.3
Retail Banking \| Net interest income (Internal)
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)	127,065.9		62,339.1	65,690.2
Wholesale Banking
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)	103,723.3		96,242.2	71,770.2
Less: Provision for credit losses	13,105.1		8,228.3	6,820.7
Net interest revenue, after provision for credit losses	90,618.2		88,013.9	64,949.5
Non-interest revenue	36,059.1		23,789.6	12,674.1
Non-interest expense	(27,774)		(22,744.8)	(19,792.1)
Income before income tax expense	98,903.3		89,058.7	57,831.5
Segment assets:
Segment total assets	5,933,391.4		4,732,290.7	4,140,606.7
Wholesale Banking \| Operating Segments
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)	204,725.8		140,085	120,341.3
Wholesale Banking \| Net interest income (Internal)
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)	(101,002.5)		(43,842.8)	(48,571.1)
Treasury Services
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)	6,720.9		12,247.2	6,491.9
Less: Provision for credit losses	0		0	0
Net interest revenue, after provision for credit losses	6,720.9		12,247.2	6,491.9
Non-interest revenue	269.8		(2,450.4)	9,350.3
Non-interest expense	(1,900.7)		(1,918.2)	(1,204.1)
Income before income tax expense	5,090		7,878.6	14,638.1
Segment assets:
Segment total assets	1,674,735.4		1,115,049.1	875,100.4
Treasury Services \| Operating Segments
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)	32,784.3		30,743.5	23,611
Treasury Services \| Net interest income (Internal)
Segment Reporting Information [Line Items]
Net interest income (External)/ (Internal)	₨ (26,063.4)		₨ (18,496.3)	₨ (17,119.1)

Commitments and Contingencies -

Commitments and Contingencies - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2020USD ($)	Apr. 01, 2019INR (₨)	Mar. 31, 2019INR (₨)
Loss Contingencies [Line Items]
Capital commitments, estimated amounts of contracts remaining to be executed on the capital account	₨ 12,756.9				₨ 5,503.6
Additional operating lease commitments with leases which have not yet commenced	6,900
Operating lease expense	11,692.3	$ 155.1
Operating lease liability	65,615.1		$ 870.3		0
Right-of-use assets	₨ 60,756.9		$ 805.9		0
ASU 2016-02 [Member]
Loss Contingencies [Line Items]
Operating lease liability				₨ 56,900	0
Right-of-use assets				53,000	0
Impact of accounting estimate				₨ 3,900
Minimum [Member]
Loss Contingencies [Line Items]
Additional operating lease commitments with leases which have not yet commenced, lease term	4 years		4 years
Maximum [Member]
Loss Contingencies [Line Items]
Additional operating lease commitments with leases which have not yet commenced, lease term	26 years		26 years
Indirect Taxes And Other Claims
Loss Contingencies [Line Items]
Contingencies, estimated possible loss	₨ 8,437.8				₨ 8,936.3

Summary Of Operating Lease Righ

Summary Of Operating Lease Right Of Use Assets And Lease Liability (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Commitments and Contingencies Disclosure [Abstract]
Right-of-use assets	₨ 60,756.9	$ 805.9	₨ 0
Lease liabilities	₨ 65,615.1	$ 870.3	₨ 0

Rental Expenses and Sub-Lease I

Rental Expenses and Sub-Lease Income (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)	Mar. 31, 2018INR (₨)
Operating Leased Assets [Line Items]
The total minimum lease expense during the year recognized in the consolidated statement of income	₨ 13,698.7	$ 181.7	₨ 12,700.8	₨ 12,311.3

Future Minimum Lease Payments P

Future Minimum Lease Payments Prior To Adoption Of ASU 2016-02 (Detail) ₨ in Millions	Mar. 31, 2019INR (₨)
Operating Leased Assets [Line Items]
2020	₨ 10,538.6
2021	9,921.4
2022	9,100.7
2023	8,137.3
2024	7,104.2
Thereafter	41,090.6
Total	₨ 85,892.8

Future Minimum Lease Payments (

Future Minimum Lease Payments (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Operating Leased Assets [Line Items]
2021	₨ 11,411.4	$ 151.4
2022	10,617.5	140.8
2023	9,808.5	130.1
2024	8,839.5	117.3
2025	8,227.8	109.1
Thereafter	48,321	640.9
Total	97,225.7	1,289.6
Less: imputed interest	31,610.6	419.3
Total operating lease liabilities	₨ 65,615.1	$ 870.3	₨ 0
Weighted average remaining lease term (in years)	10 years 3 months 18 days	10 years 3 months 18 days
Weighted average discount rate	7.40%	7.40%

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, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Valuation and Qualifying Accounts Disclosure [Line Items]
Opening provision of reward points	₨ 6,030.9	$ 80	₨ 4,711.2
Provision made during the year	5,356	71	3,747.3
Utilization/write back of provision	(3,868.8)	(51.3)	(2,555.9)
Closing provision of reward points	7,341.5	97.4	6,030.9
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	(176.6)	(2.3)	91.5
Change in Cost of Reward Points
Valuation and Qualifying Accounts Disclosure [Line Items]
Effect of change in rate of accrual of points/cost of reward	₨ 0	$ 0	₨ 36.8

Balances Payable to Related Par

Balances Payable to Related Parties (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Related Party Transaction [Line Items]
Balances in non-interest-bearing deposits	₨ 1,731,590	$ 22,968.4	₨ 1,420,309.4
Balances in interest-bearing deposits	9,730,481.3	129,068.6	7,804,717.5
Principal Owner
Related Party Transaction [Line Items]
Balances in non-interest-bearing deposits	35,128.7		32,176.8
Balances in interest-bearing deposits	1,662		733.1
Accrued expenses and other liabilities	1,002.8		836.4
Total	37,793.5		33,746.3
Others
Related Party Transaction [Line Items]
Balances in non-interest-bearing deposits	8,258.8		14,170.1
Balances in interest-bearing deposits	5,954.8		1,732.9
Accrued expenses and other liabilities	0		0
Total	14,213.6		15,903
Related Party
Related Party Transaction [Line Items]
Balances in non-interest-bearing deposits	43,387.5	575.5	46,346.9
Balances in interest-bearing deposits	7,616.8	101	2,466
Accrued expenses and other liabilities	1,002.8	13.3	836.4
Total	₨ 52,007.1	$ 689.8	₨ 49,649.3

Balances Receivable from Relate

Balances Receivable from Related Parties (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Related Party Transaction [Line Items]
Loans	₨ 26.5	$ 0.4	₨ 33.9
Other assets	1,716.4	22.8	1,784.9
Total	1,742.9	$ 23.2	1,818.8
Principal Owner
Related Party Transaction [Line Items]
Loans	0		0
Other assets	449.5		310.2
Total	449.5		310.2
Others
Related Party Transaction [Line Items]
Loans	26.5		33.9
Other assets	1,266.9		1,474.7
Total	₨ 1,293.4		₨ 1,508.6

Related Party Transactions - Ad

Related Party Transactions - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)	Mar. 31, 2018INR (₨)	Mar. 31, 2020USD ($)
Related Party Transaction [Line Items]
Purchase of investments from others	₨ 4,872.8		₨ 6,490.7
Sale of investments from others	28,016.8		22,236.2
Investments of others	272,104.7	$ 3,609.3	320,093.6	₨ 425,517.1
Dividend paid to principal owner	66,447.3	$ 881.4	41,015.2	₨ 34,490.3
Foreign exchange and derivative contracts, notional principal amount	10,230,668.8		9,200,867.7		$ 135,703.2
Bank guarantees	1,034,155.3		1,015,442.1		$ 13,717.4
Tier II bonds
Related Party Transaction [Line Items]
Investments of others	200		250
Principal Owner
Related Party Transaction [Line Items]
Loans purchased from principal owner	241,272.5		239,824.2
Dividend paid to principal owner	8,646.2		5,111.7
Foreign exchange and derivative contracts, notional principal amount	120,099.5		58,655
Foreign exchange and derivative contracts, mark to market gains	53.5		143.1
Subscribed debt securities	0		6,850
Bank guarantees	3.9		3.7
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	₨ 29.9		₨ 1,127.4

Significant Transactions with R

Significant Transactions with Related Parties Included in Determination of Net Income (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)	Mar. 31, 2018INR (₨)
Related Party Transaction [Line Items]
Interest expense-Deposits	₨ (169.5)	$ (2.2)	₨ (192.9)	₨ (175.5)
Non-Interest Revenue-Fees and Commissions
Related Party Transaction [Line Items]
Related party transaction revenues	20,091.1	266.5	17,388	17,556.2
Interest and Dividend Revenue
Related Party Transaction [Line Items]
Related party transaction revenues	1,194.2	15.8	1,901.7	1,529.7
Administrative and other expense
Related Party Transaction [Line Items]
Related party transaction non-interest expense	(8,960.4)	(118.9)	(7,680)	(6,298.7)
Premises and equipment expense
Related Party Transaction [Line Items]
Related party transaction non-interest expense	(35.5)	$ (0.5)	(37.3)	(27.4)
Principal Owner
Related Party Transaction [Line Items]
Interest expense-Deposits	(85.3)		(54.9)	(59.6)
Principal Owner \| Non-Interest Revenue-Fees and Commissions
Related Party Transaction [Line Items]
Related party transaction revenues	3,089.4		2,829.7	2,642.7
Principal Owner \| Interest and Dividend Revenue
Related Party Transaction [Line Items]
Related party transaction revenues	0		352	132.8
Principal Owner \| Administrative and other expense
Related Party Transaction [Line Items]
Related party transaction non-interest expense	(5,840.8)		(4,838.3)	(4,031.9)
Principal Owner \| Premises and equipment expense
Related Party Transaction [Line Items]
Related party transaction non-interest expense	(25.8)		(31.2)	(19.8)
Others
Related Party Transaction [Line Items]
Interest expense-Deposits	(84.2)		(138)	(115.9)
Others \| Non-Interest Revenue-Fees and Commissions
Related Party Transaction [Line Items]
Related party transaction revenues	17,001.7		14,558.3	14,913.5
Others \| Interest and Dividend Revenue
Related Party Transaction [Line Items]
Related party transaction revenues	1,194.2		1,549.7	1,396.9
Others \| Administrative and other expense
Related Party Transaction [Line Items]
Related party transaction non-interest expense	(3,119.6)		(2,841.7)	(2,266.8)
Others \| Premises and equipment expense
Related Party Transaction [Line Items]
Related party transaction non-interest expense	₨ (9.7)		₨ (6.1)	₨ (7.6)

Earnings Per Equity Share - Add

Earnings Per Equity Share - Additional Information (Detail) - INR (₨) ₨ / shares in Units, ₨ in Millions	Aug. 02, 2019	Mar. 31, 2020	Mar. 31, 2019	Sep. 20, 2019	Sep. 19, 2019	Mar. 31, 2018
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Equity shares, issued		5,483,286,460	5,446,613,220	5,470,763,894
Equity shares, par value		₨ 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		₨ 262,573.2
Dividends declared			₨ 7.5			₨ 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		24,200,000	0
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, 2020 cannot exceed 35% of net income of Rs. 262,573.2 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%

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, 2020	Mar. 31, 2019	Mar. 31, 2018
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	5,468,802,148	5,360,068,058	5,161,077,010
Effect of potential equity shares for stock options outstanding	36,990,405	53,585,896	66,800,242
Weighted average number of equity shares used in computing diluted earnings per equity share	5,505,792,553	5,413,653,954	5,227,877,252

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, 2020₨ / shares	Mar. 31, 2020$ / shares	Mar. 31, 2019₨ / shares	Mar. 31, 2018₨ / shares
Earnings Per Share Disclosure [Line Items]
Basic earnings per share \| (per share)	₨ 47.59	$ 0.63	₨ 41.07	₨ 34.59
Effect of potential equity shares for stock options outstanding \| (per share)	0.32	0.01	0.41	0.44
Diluted earnings per share \| (per share)	47.27	0.62	40.66	34.15
Basic earnings per share \| (per share)	142.77	1.89	123.21	103.77
Diluted earnings per share \| (per share)	141.81	1.86	121.98	102.45
American Depository Shares \| Stock Compensation Plan
Earnings Per Share Disclosure [Line Items]
Effect of potential equity shares for stock options outstanding \| (per share)	₨ 0.96	$ 0.03	₨ 1.23	₨ 1.32

Subsidiaries - Additional Infor

Subsidiaries - Additional Information (Detail)	Mar. 31, 2020	Mar. 31, 2019
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%	97.60%
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	95.90%	96.10%

Investments Measured at Fair Va

Investments Measured at Fair Value on Recurring Basis (Detail) ₨ in Millions, $ in Millions		Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading account securities		₨ 304,962.9	$ 4,045.1	₨ 265,516.1
Total \| $			49,372.4
Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading account securities		304,962.9		265,516.1
Securities Available-for-Sale		3,406,289.2		2,633,348.4
Equity securities	[1]	10,937.5		11,024
Total		3,722,189.6		2,909,888.5
Fair Value, Measurements, Recurring \| Fair Value Measurements Using Quoted Prices In Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading account securities		6,291		1,999.6
Securities Available-for-Sale		371,450.5		34,807.2
Equity securities	[1]	2,282.4		2,390.1
Total		380,023.9	5,040.7	39,196.9
Fair Value, Measurements, Recurring \| Fair Value Measurements Using Significant other observable inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading account securities		298,671.9		263,516.5
Securities Available-for-Sale		2,907,384.4		2,559,728.3
Equity securities	[1]	8,655.1		8,633.9
Total		3,214,711.4	42,641.1	2,831,878.7
Fair Value, Measurements, Recurring \| Fair Value Measurements Using Significant unobservable inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading account securities		0		0
Securities Available-for-Sale		127,454.3		38,812.9
Equity securities	[1]	0		0
Total		₨ 127,454.3	$ 1,690.6	₨ 38,812.9

[1]	Equity securities classified within other assets.

Fair Value Measurement - Additi

Fair Value Measurement - Additional Information (Detail) ₨ in Billions	Mar. 31, 2020INR (₨)
Available-for-Sale Debt Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale securities classified as level 1 transferred to level 2	₨ 5.3

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, 2020	Mar. 31, 2019
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Beginning balance	₨ 38,812.9	₨ 18,534.6
Total gains or losses (realized/unrealized) -Included in net income	0	0
Total gains or losses (realized/unrealized)- Included in other comprehensive income	1,535.5	355.9
Purchases/additions	126,891.3	42,885.7
Sales	0	0
Issuances	0	0
Settlements	(39,785.4)	(22,963.3)
Transfers in Level 3	0	0
Transfers out of Level 3	0	0
Foreign currency translation adjustment	0	0
Ending Balance	127,454.3	38,812.9
Total amount of gains or (losses) included in net income attributable to change in unrealized gains or (losses) relating to assets still held at reporting date	₨ 0	₨ 0

Derivative Instruments Measured

Derivative Instruments Measured at Fair Value on Recurring Basis (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2020INR (₨)	Mar. 31, 2020USD ($)	Mar. 31, 2019INR (₨)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	₨ 190,537.6	$ 2,527.4	₨ 132,524.1
Derivative liabilities	184,783	$ 2,451	128,449
Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	190,537.6		132,524.1
Derivative liabilities	184,783		128,449
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	190,537.6		132,524.1
Derivative liabilities	184,783		128,449
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