HDFC Bank Limited (HDB) 20-F29 Jul 222022 FY Annual report (foreign)Financial data

Company Profile

Cover Page

Cover Page	12 Months Ended
Cover Page	Mar. 31, 2022 shares
Document Information [Line Items]
Document Type	20-F
Amendment Flag	false
Document Period End Date	Mar. 31, 2022
Document Fiscal Year Focus	2022
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	5,545,540,976
Security Exchange Name	NYSE
Title of 12(b) Security	American Depositary Shares, each representing three Equity Shares, Par value Rs. 1.0 per share
Document Annual Report	true
Document Transition Report	false
Document Shell Company Report	false
Entity Interactive Data Current	Yes
Entity File Number	001-15216
Entity Incorporation, State or Country Code	K7
Entity Address, Address Line One	HDFC Bank House
Entity Address, Address Line Two	Senapati Bapat Marg, Lower Parel
Entity Address, City or Town	Mumbai
Entity Address, Postal Zip Code	400013
Entity Address, Country	IN
Document Registration Statement	false
Document Accounting Standard	U.S. GAAP
ICFR Auditor Attestation Flag	true
Auditor Name	KPMG Assurance and Consulting Services LLP
Auditor Location	Mumbai, India
Auditor Firm ID	2115
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, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
ASSETS:
Cash and due from banks, and restricted cash	₨ 1,122,031.1	$ 14,788.9	₨ 930,694.7
Investments held for trading, at fair value	53,199.5	701.2	99,620.2
Investments available for sale debt securities, at fair value [includes restricted investments of Rs. 1,694,645.4 and Rs. 1,648,213.8 (US$ 21,724.2), as of March 31, 2021 and March 31, 2022, respectively]	4,388,563.1	57,843.2	4,275,449.9
Securities purchased under agreements to resell	373,053.3	4,917	270,060
Loans [net of allowance of Rs. 343,528.7 and Rs. 372,671.8 (US$ 4,911.9), as of March 31, 2021 and March 31, 2022, respectively]	14,036,872.2	185,012.2	11,700,189.2
Accrued interest receivable	134,467.7	1,772.3	118,762.9
Property and equipment, net	65,826.4	867.6	53,094.4
Goodwill	74,937.9	987.7	74,937.9
Other assets	864,754.3	11,397.8	456,972.8
Total assets	21,113,705.5	278,287.9	17,979,782
Liabilities:
Interest-bearing deposits	13,197,979.7	173,955.2	11,226,467.8
Non-interest-bearing deposits	2,382,052.2	31,396.5	2,110,762.4
Total deposits	15,580,031.9	205,351.7	13,337,230.2
Securities sold under repurchase agreements	151,844.9	2,001.4	356,059.2
Short-term borrowings	554,167.6	7,304.2	239,264.1
Accrued interest payable	82,412.8	1,086.2	77,969.1
Long-term debt	1,554,333.4	20,486.8	1,174,758.2
Accrued expenses and other liabilities	681,461.5	8,981.9	631,096.4
Total liabilities	18,604,252.1	245,212.2	15,816,377.2
Commitments and contingencies (see note 26)
Shareholders' equity:
Equity shares: par value—Rs. 1.0 each; authorized 6,500,000,000 shares and 6,500,000,000 shares; issued and outstanding 5,512,776,482 shares and 5,545,540,976 shares, as of March 31, 2021 and March 31, 2022, respectively	5,545.5	73.1	5,512.8
Additional paid-in capital	834,615.2	11,000.6	794,220.3
Retained earnings	1,153,191.1	15,199.6	897,873.7
Statutory reserve	529,279.1	6,976.1	434,835.3
Accumulated other comprehensive income (loss)	(17,792.5)	(234.5)	27,186.3
Total HDFC Bank Limited shareholders' equity	2,504,838.4	33,014.9	2,159,628.4
Noncontrolling interest in subsidiaries	4,615	60.8	3,776.4
Total shareholders' equity	2,509,453.4	33,075.7	2,163,404.8
Total liabilities and shareholders' equity	₨ 21,113,705.5	$ 278,287.9	₨ 17,979,782

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) ₨ in Millions, $ in Millions	Mar. 31, 2022 INR (₨) ₨ / shares shares	Mar. 31, 2022 USD ($) shares	Mar. 31, 2021 INR (₨) ₨ / shares shares	Mar. 31, 2021 USD ($) shares
Investments available for sale, at fair value, restricted investments	₨ 1,648,213.8	$ 21,724.2	₨ 1,694,645.4
Loans, allowance	₨ 372,671.8	$ 4,911.9	₨ 343,528.7	$ 4,527.9
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	5,545,540,976	5,545,540,976	5,512,776,482	5,512,776,482
Equity shares, outstanding	5,545,540,976	5,545,540,976	5,512,776,482	5,512,776,482

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2022 INR (₨) ₨ / shares	Mar. 31, 2022 USD ($) $ / shares	Mar. 31, 2021 INR (₨) ₨ / shares		Mar. 31, 2020 INR (₨) ₨ / shares
Interest and dividend revenue:
Loans	₨ 1,057,925.6	$ 13,943.9	₨ 1,017,047.8		₨ 981,794.8
Trading securities	1,647.5	21.7	3,373.8		7,392.1
Available for sale debt securities	240,943	3,175.7	226,690.9		198,383.2
Other	32,620.9	430	28,855.1		24,412.8
Total interest and dividend revenue	1,333,137	17,571.3	1,275,967.6		1,211,982.9
Interest expense:
Deposits	489,010.1	6,445.4	501,260.2		507,888.8
Short-term borrowings	17,675.2	233	12,531.8		27,216.8
Long-term debt	77,456.3	1,020.9	78,361.5		83,200.5
Other	155.9	2.1	127.6		149.4
Total interest expense	584,297.5	7,701.4	592,281.1		618,455.5
Net interest revenue	748,839.5	9,869.9	683,686.5		593,527.4
Provision for credit losses	126,979.5	1,673.6	154,233.4		117,621.9
Net interest revenue after provision for credit losses	621,860	8,196.3	529,453.1		475,905.5
Non-interest revenue, net:
Fees and commissions	202,979.5	2,675.4	165,410.4		160,099.5
Trading securities gain/(loss), net	2,455.5	32.4	1,481		1,323.4
Realized gain/(loss) on sales of available for sale debt securities, net	16,745.8	220.7	55,925.2		25,826.2
Allowance on available for sale debt securities	2,915.1	38.4	(2,915.1)	[1]	(9,109)	[1]
Foreign exchange transactions	34,851.4	459.4	27,762.6		15,265.6
Derivatives gain/(loss), net	1,422	18.7	(3,253)		3,550
Other, net	9,204.9	121.3	8,564.6		1,263.3
Total non-interest revenue, net	270,574.2	3,566.3	252,975.7		198,219
Total revenue, net	892,434.2	11,762.6	782,428.8		674,124.5
Non-interest expense:
Salaries and staff benefits	165,287.7	2,178.6	143,755.9		130,506.9
Premises and equipment	36,236	477.6	35,763.2		31,533.9
Depreciation and amortization	16,816.9	221.7	13,860.2		12,800.3
Administrative and other	154,931.4	2,042.1	149,223		133,439.4
Total non-interest expense	373,272	4,920	342,602.3		308,280.5
Income before income tax expense	519,162.2	6,842.6	439,826.5		365,844
Income tax expense	132,559.2	1,747.2	113,820.1		105,480
Net income before noncontrolling interest	386,603	5,095.4	326,006.4		260,364
Less: Net income attributable to shareholders of noncontrolling interest	602.6	7.9	29.3		94.1
Net income attributable to HDFC Bank Limited	₨ 386,000.4	$ 5,087.5	₨ 325,977.1		₨ 260,269.9
Per share information: (see note: 28)
Earnings per equity share-basic \| (per share)	₨ 69.76	$ 0.92	₨ 59.27		₨ 47.59
Earnings per equity share-diluted \| (per share)	69.38	0.91	59.02		47.27
Per ADS information (where 1 ADS represents 3 shares): (see note: 28)
Earnings per ADS-basic \| (per share)	209.28	2.76	177.81		142.77
Earnings per ADS-diluted \| (per share)	208.14	2.73	177.06		141.81
Dividends declared per equity share \| (per share)	₨ 15.5	$ 0.2	₨ 6.5		₨ 2.5

[1]For fiscal year 2020 the amount represents Other than temporary impairment. The Bank adopted the CECL accounting guidance on April 1, 2020.

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)	Mar. 31, 2020 INR (₨)
Net income before noncontrolling interest	₨ 386,603	$ 5,095.4	₨ 326,006.4	₨ 260,364
Foreign currency translation adjustment:
Net unrealized gain (loss) arising during the period [net of tax Rs. (426.7), Rs. 381.0 and Rs. (436.4), as of March 31, 2020, March 31, 2021 and March 31, 2022, respectively]	1,297.5	17.1	(1,132.8)	1,771.7
Available for sale debt securities:
Net unrealized gain (loss) arising during the period [net of tax Rs. (15,704.2), Rs. 249.0 and Rs. 12,138.8, as of March 31, 2020, March 31, 2021 and March 31, 2022, respectively]	(36,088.6)	(475.7)	(740.6)	47,574.2
Reclassification adjustment for net (gain) loss included in net income [net of tax Rs. 4,739.2, Rs. 7,827.8 and Rs. 3,426.8, as of March 31, 2020, March 31, 2021 and March 31, 2022, respectively]	(10,187.7)	(134.3)	(23,271.9)	(8,823.1)
Other comprehensive income, net of tax	(44,978.8)	(592.9)	(25,145.3)	40,522.8
Total comprehensive income	341,624.2	4,502.5	300,861.1	300,886.8
Less: Comprehensive income attributable to shareholders of noncontrolling interest	602.6	7.9	29.3	94.1
Comprehensive income attributable to HDFC Bank Limited	₨ 341,021.6	$ 4,494.6	₨ 300,831.8	₨ 300,792.7

CONSOLIDATED STATEMENTS OF CO_2

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Parenthetical) - INR (₨) ₨ in Millions	12 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2020
Net unrealized gain (loss) arising during the period, tax	₨ (436.4)	₨ 381	₨ (426.7)
Net unrealized gain (loss) arising during the period, tax	12,138.8	249	(15,704.2)
Reclassification adjustment for net (gain) loss included in net income, tax	₨ 3,426.8	₨ 7,827.8	₨ 4,739.2

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)		Mar. 31, 2020 INR (₨)
Cash flows from operating activities:
Net income before noncontrolling interest	₨ 386,603	$ 5,095.4	₨ 326,006.4		₨ 260,364
Adjustment to reconcile net income to net cash provided by operating activities
Provision for credit losses	126,979.5	1,673.6	154,233.4		117,621.9
Depreciation and amortization	16,816.9	221.7	13,860.2		12,800.3
Amortization of deferred customer acquisition costs and fees	10,912.3	143.8	7,930.2		11,673.2
Amortization of premium (discount) on investments	8,493.3	111.9	5,875.3		5,196.8
Allowance on available for sale debt securities	(2,915.1)	(38.4)	2,915.1	[1]	9,109	[1]
Deferred tax expense/ (benefit)	(9,887.3)	(130.3)	(8,267.3)		(101.2)
Other gains, net	(7,206.5)	(95)	(7,428.4)		133.7
Share-based compensation expense	13,874.5	182.9	10,603.5		7,476.1
Net realized (gain) loss on sale of available for sale debt securities	(16,745.8)	(220.7)	(55,925.2)		(25,826.2)
(Gain) loss on disposal of property and equipment, net	(0.9)	0	(16.2)		81.9
Unrealized exchange (gain) loss	(4,813)	(63.4)	(356.8)		3,312.5
Net change in:
Investments held for trading	48,845.7	643.8	388,530.5		(227,480.4)
Accrued interest receivable	(15,640.8)	(206.2)	(15,804.6)		(9,752.6)
Other assets	(26,227.6)	(345.7)	82,993.4		(140,959.9)
Accrued interest payable	4,417.8	58.2	(2,073.9)		563.7
Accrued expense and other liabilities	47,512.2	626.2	18,700.6		146,966.9
Net cash provided by operating activities	581,018.2	7,657.8	921,776.2		171,179.7
Cash flows from investing activities:
Term placements, net	(366,297.2)	(4,828)	4,168		6,055.7
Activity in available for sale debt securities:
Purchases	(1,736,498.7)	(22,887.8)	(3,217,140.1)		(2,608,516.6)
Proceeds from sales	766,585	10,103.9	1,609,149.3		1,214,082
Maturities, prepayments and calls	807,572.1	10,644.2	784,327.6		653,889
Net change in repurchase agreements and reverse repurchase agreements	(307,207.6)	(4,049.1)	(171,982.8)		160,195.5
Loans purchased	(282,420.1)	(3,722.4)	(189,797.8)		(252,738.1)
Repayments on loans purchased	156,441.9	2,062	124,275.6		122,821.6
Increase in loans originated, net of principal collections	(2,328,833.2)	(30,695)	(1,446,355.1)		(1,428,007.7)
Additions to property and equipment	(26,324.4)	(347)	(17,806.5)		(18,294.3)
Proceeds from sale or disposal of property and equipment	199.1	2.6	152.8		182.4
Activity in equity securities, net	14,503.3	191.2	(140.7)		(157.9)
Net cash used in investing activities	(3,302,279.8)	(43,525.4)	(2,521,149.7)		(2,150,488.4)
Cash flows from financing activities:
Net increase in deposits	2,237,238.5	29,487.8	1,882,763.1		2,213,972.5
Net increase (decrease) in short-term borrowings	314,735.9	4,148.4	(138,024.7)		(277,587.3)
Proceeds from issue of shares by a subsidiary to noncontrolling interests	691.8	9.1	492.4		466.8
Proceeds from issuance of long-term debt	722,908.9	9,528.3	481,989.2		272,104.7
Repayment of long-term debt	(353,325.7)	(4,657)	(326,285)		(315,209.6)
Proceeds from issuance of equity shares for options exercised	26,097.3	344	17,601		18,486.8
Payment of dividends and dividend tax	(36,239.2)	(477.6)	(166.6)		(66,447.3)
Net cash provided by financing activities	2,912,107.5	38,383	1,918,369.4		1,845,786.6
Effect of exchange rate changes on cash and due from banks, and restricted cash	490.5	6.5	(262.2)		10,610.5
Net change in cash and due from banks, and restricted cash	191,336.4	2,521.9	318,733.7		(122,911.6)
Cash and due from banks, and restricted cash, beginning of year	930,694.7	12,267	611,961		734,872.6
Cash and due from banks, and restricted cash, end of year	1,122,031.1	14,788.9	930,694.7		611,961
Supplementary cash flow information:
Interest paid	579,853.8	7,642.7	594,390.9		617,749.1
Income taxes paid, net of refunds	148,381.6	1,955.7	130,214.5		104,013.4
Non-cash investment activities
Payable for purchase of property and equipment	5,483.3	72.3	2,061.2		1,232.7
Trade date sale receivable of available for sale debt securities	₨ 749.8	$ 9.9	₨ 0		₨ 32,730.8
Operating Lease, Description	Operating lease right-of-use assets represent non-cash investing activities. Refer to note 26-Lease commitments for more information and balances as at March 31, 2022.	Operating lease right-of-use assets represent non-cash investing activities. Refer to note 26-Lease commitments for more information and balances as at March 31, 2022.

[1]For fiscal year 2020 the amount represents Other than temporary impairment. The Bank adopted the CECL accounting guidance on April 1, 2020.

CONSOLIDATED STATEMENTS OF SHAR

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY ₨ in Millions, $ in Millions	INR (₨) shares	USD ($) shares	Revision of Prior Period, Change in Accounting Principle, Adjustment [Member] INR (₨)	[2]	Equity Shares INR (₨) shares	Equity Shares USD ($) shares	Additional Paid In Capital INR (₨)	Additional Paid In Capital USD ($)	Retained Earnings INR (₨)	Retained Earnings USD ($)	Retained Earnings Revision of Prior Period, Change in Accounting Principle, Adjustment [Member] INR (₨)	[2]	Statutory Reserve INR (₨)	[1]	Statutory Reserve USD ($)	[1]	Accumulated Other Comprehensive Income (Loss) INR (₨)	Accumulated Other Comprehensive Income (Loss) USD ($)	Total HDFC Bank Limited Shareholders' Equity INR (₨)	Total HDFC Bank Limited Shareholders' Equity USD ($)	Total HDFC Bank Limited Shareholders' Equity Revision of Prior Period, Change in Accounting Principle, Adjustment [Member] INR (₨)	[2]	Noncontrolling Interest INR (₨)	Noncontrolling Interest USD ($)
Balance at Mar. 31, 2019	₨ 1,635,624.6				₨ 5,446.6		₨ 739,763.6		₨ 587,235.2				₨ 288,321.1				₨ 11,808.8		₨ 1,632,575.3				₨ 3,049.3
Balance at Mar. 31, 2019 \| shares					5,446,613,220	5,446,613,220
Shares issued upon exercise of options	18,486.8				₨ 36.7		18,450.1												18,486.8
Shares issued upon exercise of options (in shares) \| shares					36,673,240	36,673,240
Share-based compensation	7,476.1						7,476.1												7,476.1
Dividends, including dividend tax	(66,447.3)								(66,447.3)										(66,447.3)
Change in ownership interest in subsidiary	0						198.8												198.8				(198.8)
Shares issued to noncontrolling interest	466.8																		0				466.8
Transfer to statutory reserve	0								(67,717.2)				67,717.2						0
Net income	260,364								260,269.9										260,269.9				94.1
Net change in accumulated other comprehensive income	40,522.8																40,522.8		40,522.8
Balance at Mar. 31, 2020	1,896,493.8		₨ (62,480.4)		₨ 5,483.3		765,888.6		713,340.6		₨ (62,480.4)		356,038.3				52,331.6		1,893,082.4		₨ (62,480.4)		3,411.4
Balance at Mar. 31, 2020 \| shares					5,483,286,460	5,483,286,460
Shares issued upon exercise of options	17,601				₨ 29.5		17,571.5												17,601
Shares issued upon exercise of options (in shares) \| shares					29,490,022	29,490,022
Share-based compensation	10,603.5						10,603.5												10,603.5
Dividends, including dividend tax	(166.6)								(166.6)										(166.6)
Change in ownership interest in subsidiary	0						156.7												156.7				(156.7)
Shares issued to noncontrolling interest	492.4																		0				492.4
Transfer to statutory reserve	0								(78,797)				78,797						0
Net income	326,006.4								325,977.1										325,977.1				29.3
Net change in accumulated other comprehensive income	(25,145.3)																(25,145.3)		(25,145.3)
Balance at Mar. 31, 2021	₨ 2,163,404.8				₨ 5,512.8		794,220.3		897,873.7				434,835.3				27,186.3		2,159,628.4				3,776.4
Balance at Mar. 31, 2021 \| shares	5,512,776,482	5,512,776,482			5,512,776,482	5,512,776,482
Shares issued upon exercise of options	₨ 26,097.3				₨ 32.7		26,064.6												26,097.3
Shares issued upon exercise of options (in shares) \| shares					32,764,494	32,764,494
Share-based compensation	13,874.5						13,874.5												13,874.5
Dividends, including dividend tax	(36,239.2)								(36,239.2)										(36,239.2)
Change in ownership interest in subsidiary	0						455.8												455.8				(455.8)
Shares issued to noncontrolling interest	691.8																						691.8
Transfer to statutory reserve	0								(94,443.8)				94,443.8
Net income	386,603	$ 5,095.4							386,000.4										386,000.4				602.6
Net change in accumulated other comprehensive income	(44,978.8)	(592.9)															(44,978.8)		(44,978.8)
Balance at Mar. 31, 2022	₨ 2,509,453.4	$ 33,075.7			₨ 5,545.5	$ 73.1	₨ 834,615.2	$ 11,000.6	₨ 1,153,191.1	$ 15,199.6			₨ 529,279.1		$ 6,976.1		₨ (17,792.5)	$ (234.5)	₨ 2,504,838.4	$ 33,014.9			₨ 4,615	$ 60.8
Balance at Mar. 31, 2022 \| shares	5,545,540,976	5,545,540,976			5,545,540,976	5,545,540,976

[1]Under local regulations, the Bank is required to transfer 25% of its profit after tax (per Indian GAAP) to anon-distributable statutory reserve and to meet certain other conditions in order to pay dividends without prior RBI approval.[2]Effective April 1, 2020, the Bank adopted ASU 2016-13 Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments (see notes 2g, 2i, 5, 9, 20 and 23).

Bank overview

Bank overview	12 Months Ended
Bank overview	Mar. 31, 2022
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 21.1% and 21.0% of the Bank’s equity as of March 31, 2021 and March 31, 2022, respectively. The remainder of the Bank’s equity is widely held by the public and by foreign and Indian institutional investors. By way of an ordinary resolution on July 12, 2019, the shareholders of the Bank approved a subdivision (stock split) of the Bank’s equity shares to reduce the face value of each equity share from Rs. 2.0 to Rs. 1.0 per equity share effective as of September 20, 2019. The number of issued and subscribed equity shares increased to 5,470,763,894 shares of par value Rs. 1.0 each. All share/ADS and per share/ADS data reflect the effect of the stock split retroactively. One ADS continues to represent three equity shares. 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 ,

Summary of significant accounti

Summary of significant accounting policies	12 Months Ended
Summary of significant accounting policies	Mar. 31, 2022
Summary of significant accounting policies	2. Summary of significant accounting policies a. Principles of consolidation The consolidated financial statements include the accounts of HDFC Bank Limited and its subsidiaries. The Bank consolidates subsidiaries in which, directly or indirectly, it holds more than 50% of the voting rights and/or has control. Entities where the Bank holds 20% to 50% of the voting rights and/or has the ability to exercise significant influence are accounted for under the equity method. These investments are included in other assets and the Bank’s proportionate share of income or loss is included in Non-interest b. Basis of presentation These financial statements have been prepared in accordance with the accounting principles generally accepted in the United States of America (“US GAAP”). US GAAP differs in certain material respects from accounting principles generally accepted in India, the requirements of India’s Banking Regulation Act 1949 and related regulations issued by the Reserve Bank of India (“RBI”) (collectively “Indian GAAP”), which form the basis of the statutory general purpose financial statements of the Bank in India. Principal differences, insofar as they relate to the Bank, include the determination of the allowance for credit losses, classification and valuation of investments, accounting for deferred taxes, stock-based compensation, loan origination fees, derivative financial instruments, business combination, lease accounting and the presentation format and disclosures of the financial statements and related notes. c. Use of estimates The preparation of financial statements in conformity with US GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities at the date of these financial statements and the reported amounts of revenues and expenses for the years presented. Actual results could differ from these estimates. Material estimates included in these financial statements that are susceptible to change include the allowance for credit losses, the valuation of unquoted investments, impairment in securities, valuation of derivatives, stock-based compensation, unrecognized tax benefits, valuation of lease liabilities and impairment assessment of goodwill. d. Cash and due from banks, and restricted cash Cash and due from banks comprise of cash and deposit with banks that have original maturities of 90 days or less. The Bank has captioned cash and cash equivalent as “cash and due from banks, and restricted cash” on the consolidated balance sheets. Cash and due from banks includes restricted cash (see note 3). e. Customer acquisition costs Customer acquisition costs principally consist of commissions paid to third-party referral agents who source retail loans and such costs are deferred and amortized as a yield adjustment over the life of the loans. Advertising and marketing expenses incurred to solicit new business are expensed as incurred. f. Investments in securities Investments consist of securities purchased as part of the Bank’s treasury operations, such as government securities and other debt securities, and investments purchased as part of the Bank’s wholesale banking operations, such as credit substitute securities issued by the Bank’s wholesale banking customers. Credit substitute securities typically consist of commercial paper and debentures issued by the same customers with whom the Bank has a lending relationship in its wholesale banking business. Investment decisions for credit substitute securities are subject to the same credit approval processes as for loans, and the Bank bears the same customer credit risk as it does for loans extended to those customers. Additionally, the yield and maturity terms are generally directly negotiated by the Bank with the issuer. As the Bank’s exposures to such securities are similar to its exposures on its loan portfolio, additional disclosures have been provided on impairment status in note 7 and on concentrations of credit risk in note 10. All other securities, including mortgage-and asset-backed securities, are actively managed as part of the Bank’s treasury operations. The issuers of such securities are either government, public financial institutions or private issuers. These investments are typically purchased from the market, and debt securities are generally publicly-rated. Securities that are held principally for resale in the near term are classified as held for trading (“HFT”) and are carried at fair value, with changes in fair value recorded in net income. Debt securities that management has the positive intent and ability to hold to maturity are classified as held to maturity (“HTM”) and are carried at amortized cost. All debt securities that are not classified as HTM or HFT are classified as available for sale debt securities (“AFS”) and are carried at fair value. Unrealized gains and losses on such securities, net of applicable taxes, are reported in accumulated other comprehensive income (loss), a separate component of shareholders’ equity. Equity securities are classified under other assets. Marketable securities are measured at fair value, change in fair value recorded in earnings. Non-marketable Fair values are based on market quotations where a market quotation is available or otherwise based on present values at current interest rates for such investments. Transfers between categories are recorded at fair value on the date of the transfer. g. Impairment of debt securities Up to March 31, 2020, declines in the fair value of held to maturity and available for sale debt securities below their carrying value that were other than temporary were reflected in net income as other than temporary impairment losses, based on management’s best estimate of the fair value of the investment. The Bank conducted a review each year to identify other than temporary declines based on an evaluation of all significant factors. The Bank’s review of impairment generally entailed identification and evaluation of investments that had indications of possible impairment, analysis of evidential matter, including an evaluation of factors or triggers that would or could cause individual investments to have other than temporary impairment and documentation of the results of these analysis, as required under business policies. Estimates of any declines in the fair value of credit substitute securities that were other than temporary were measured on a case-by-case The Bank adopted ASU 2016-13, available-for-sale more-likely-than-not non-accrual non-performing. h. Loans The Bank grants retail and wholesale loans to customers. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at their outstanding unpaid principal balances adjusted for an allowance for credit losses. Loan origination fees and certain direct origination costs are deferred and recognized as adjustments to net income over the lives of the related loans. Interest is accrued on the unpaid principal balance and is included in interest income. Loans are generally placed on “non-accrual” non-performing, non-accrual i. Allowance for credit losses The Bank provides an allowance for credit losses based on management’s best estimate of losses inherent in the loan portfolio which includes troubled debt restructuring. The allowance for credit losses consists of allowances for retail loans and wholesale loans. Upon adoption of ASC 326, the Bank revised its accounting policy for Allowance for credit losses as detailed below: Retail Up to March 31, 2020 the Bank’s retail loan loss allowance consisted of specific allowance and allowance for loans collectively evaluated for impairment (termed as “unallocated allowance”). The Bank established a specific allowance on the retail loan portfolio based on factors such as the nature of the product, delinquency levels or the number of days the loan is past due and the nature of the security available. Additionally, the Bank monitored loan to value ratios for loans against securities. The loans were charged off against allowances typically when the account became 150 to 1,083 , write-off Wholesale Up to March 31, 2020, the allowance for wholesale loans consisted of specific and unallocated components. The allowance for such credit losses was evaluated on a regular basis by management and was based upon management’s view of the probability of recovery of loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, the estimated value of any underlying collateral, factors affecting the industry which the loan exposure relates to and prevailing economic conditions. This evaluation was inherently subjective as it required estimates that are susceptible to significant revision as more information became available. Loans were charged off against the allowance when management believes that the loan balance may not be recovered. Subsequent recoveries, if any, against write-off The Bank established specific allowances for each impaired wholesale loan customer, in the aggregate, for all facilities, including term loans, cash credits, bills discounted and lease finance, based on either the present value of expected future cash flows discounted at the loan’s effective interest rate or the net realizable value of the collateral if the loan is collateral dependent. Collateral values are generally based on appraisals from internal and external valuation sources. Wholesale loans that experienced insignificant payment delays and payment shortfalls were generally not classified as impaired but were placed on a surveillance watch list and closely monitored for deterioration. Management determines the significance of payment delays and payment shortfalls on a case-by-case The Bank also established an unallocated allowance for wholesale standard loans based on the internal rating grades assigned, and the probability of default associated with internal rating grade pools and the loss given default. Effective April 1, 2020, the Bank adopted the CECL accounting guidance. The adoption of this guidance established a single allowance framework for all financial assets measured at amortized cost and certain off-balance The Bank’s allowance for credit losses comprises: • the allowance for loan losses, which covers the Bank’s loan portfolios and is presented separately on the balance sheet in Loans, • the allowance for lending-related commitments, which is recognized on the balance sheet in Accrued expenses and other liabilities, • the allowance for credit losses on investment securities, which covers the Bank’s AFS debt securities and is recognized on the balance sheet in Investments available for sale debt securities on the balance sheet and, • the allowance for credit losses on other financial assets measured at amortized cost, and other off-balance All changes in the allowance for credit losses are recognized in the income statement. Determining the appropriateness of the allowance for credit losses is complex and requires significant judgment by management about the effect of matters that are inherently uncertain. Subsequent evaluations of credit exposures, considering the macroeconomic conditions, forecasts and other factors then prevailing, may result in significant changes in the allowance for credit losses in future periods. The Bank’s policies used to determine its allowance for credit losses and its allowance for lending-related commitments are described in the following paragraphs. The Bank’s portfolio is bifurcated into Retail and Wholesale portfolios, wherein the Retail portfolio is segmented into homogenous pools using various factors such as nature of product, delinquencies, and other demographic and behavioral variables of the borrowers. The wholesale portfolio is segmented into various risk grades on the basis of a host of quantitative and qualitative factors including financial performance, industry risk, business risk and management quality. The allowance for loan-related losses and allowance for lending-related commitments represents expected credit losses over the remaining expected life of outstanding loans and lending-related commitments that are not unconditionally cancellable. The Bank does not record an allowance for future draws on unconditionally cancellable lending-related commitments (e.g., credit cards). The Bank does not record an allowance on accrued interest receivables on the balance sheet due to its policy to reverse interest income on loans more than 90 days past due and in the case of agricultural loans more than 365 days past due, and also on any loans classified as non-performing. The estimate of expected credit losses includes expected recoveries of amounts previously charged off or expected to be charged off, even if such recoveries result in a negative allowance. The Retail loans are charged off against allowances typically when the account becomes 150 to 1,083 days past due depending on the type of loan. The defined delinquency levels at which major loan types are charged off are 150 days past due for personal loans and credit card receivables, 180 days for auto loans, commercial vehicle and construction equipment finance, 720 days past due for housing loans and on a customer by customer basis in respect of retail business banking when management believes that any future cash flows from these loans are remote including realization of collateral, if applicable, and where any restructuring or any other settlement arrangements were not feasible. The wholesale Loans are charged off against the allowance when management believes that the loan balance may not be recovered, including realization of collateral, if applicable, and where any restructuring or any other settlement arrangements were not feasible. Subsequent recoveries, if any, against write-off Wholesale loans are considered non-performing non-performance non-performing case-by-case In order to estimate the allowance, the Bank primarily relies on its risk-segmentation models, which are also an integral part of the Bank’s risk management framework. Risk segmentation aims to group homogenous exposures together to allow for collective assessment of expected losses. Expected Loss estimation under collective assessment, is primarily based on Probability of Default (“PD”), Loss given Default (“LGD”), Exposure at Default (“EAD”) estimates. The Bank has modeled its PD estimates at the aforementioned granularity for its retail and wholesale portfolios and has also created the remaining expected life structure of the same for computation of credit losses. The Bank’s off-balance off-balance off-balance off-balance Collective and Individual Assessments Management estimates the allowance balance using relevant available information, from internal and external sources, relating to historical experience, current conditions, and reasonable and supportable forecasts. Historical loan default and loss experience provides the basis for the estimation of expected credit losses. Adjustments to historical loss information incorporate management’s view of current conditions and forecasts. The methodology for estimating the amount of credit losses reported in the allowance for credit losses has two basic components: first, a pooled component for expected credit losses for pools of loans that share similar risk characteristics and second an asset-specific component involving loans that do not share risk characteristics and the measurement of expected credit losses for such individual loans. As an integral part of the credit process, the Bank has a credit rating model appropriate to its retail and wholesale credit segments. The Bank monitors credit quality within its segments based on primary credit quality indicators. This internal rating grading is updated at least annually, based on credit rating model scale. The majority of the Bank’s credit exposures share risk characteristics with other similar exposures, and as a result are collectively assessed for allowance (“portfolio-based component”). If an exposure does not share risk characteristics with other exposures, the Bank generally estimates expected credit losses on an individual basis, considering expected repayment and conditions impacting that individual exposure (“asset-specific component”). The asset-specific component covers loans modified or reasonably expected to be modified in a troubled debt restructuring (“TDR”), collateral-dependent loans, and borrowers with financial difficulties. Portfolio-based component (Pooled Loans) The portfolio-based component begins with a quantitative calculation that considers the likelihood of the borrower changing delinquency status or moving from one risk rating to another. The quantitative calculation covers expected credit losses over an instrument’s expected life and is estimated by applying credit loss factors to the Bank’s exposure at default. Apart from its historical experience, the Bank seeks to incorporate any reasonable and supportable information regarding the prevalent and future economic and operating conditions, and their impact on credit losses for the Bank into its allowance. The Bank therefore includes in its estimation the use of quantitative statistical models to predict impact of macro-economic variables, on defaults. The Bank relies on a single macro-economic variable that is relevant to the specific pool of loans to develop reasonable and supportable forecast specific to the relevant macro-economic variable. In deploying these models the Bank has assessed the impact of an exhaustive set of macro-economic variables, key such variables are GDP, Private Final Consumption Expenditure, Gross Fixed Capital Formation and Index of Industrial Production (“IIP”) on its expected losses, and uses consensus macro-economic forecasts surveyed and published by the Reserve Bank of India: Centre for Monitoring Indian Economy. As the consensus macro-economic forecasts are published for a year the Bank reverts to the historical average default rate beyond this period over a straight line basis. Any adjustments needed to the modeled expected losses in the quantitative calculations are addressed through a qualitative adjustment. Qualitative adjustment, among other things includes the uncertainty of forward-looking scenarios based on the likelihood and severity of a possible recession; the uncertainty of economic conditions related to an alternative downside scenario; certain portfolio characteristics and concentrations; collateral coverage; model limitations; idiosyncratic events; and other relevant criterias. The qualitative adjustment also reflects the estimated impact of the pandemic and the war between Russia and Ukraine on the economic forecasts and their impact on credit loss estimates. The total ACL is comprised of the quantitative and qualitative components. The Bank estimates its allowance for credit losses for pooled loans based on its PD and LGD, determined for the respective risk pools. The allowance for credit losses for the quantitative component of pooled loans is the product of multiplying the PD, LGD and EAD. Asset-specific component To determine the asset-specific component of the allowance, collateral-dependent loans (including those loans for which foreclosure is probable) and larger and non-accrual The Bank generally measures the asset-specific allowance as the difference between the amortized cost of the loan and the present value of the cash flows expected to be collected, discounted at the loan’s original effective interest rate. Subsequent changes in impairment, including those related to the passage of time, are generally recognized as an adjustment to the allowance for credit losses. For collateral-dependent loans, the fair value of collateral less estimated costs to sell is used to determine the charge-off The asset-specific component of the allowance for credit losses that have been or are expected to be modified in TDRs incorporates the effect of the modification on the loan’s expected cash flows (including forgone interest, principal forgiveness, and other concessions), and also the potential for redefault. For wholesale loans modified or expected to be modified in TDRs, expected losses incorporate management’s expectation of the borrower’s ability to repay under the modified terms. Estimating the timing and amounts of future cash flows is highly subject to judgment as these cash flow projections rely upon estimates such as loss severities, asset valuations, default rates (including redefault rates on modified loans), the amounts and timing of interest or principal payments (including any expected prepayments) or other factors that are reflective of current and expected market conditions. All of these estimates and assumptions require significant management judgment and certain assumptions are highly subjective. j. Sales/transfer of receivables The Bank enters into assignment transactions, which are similar to asset-backed securitization transactions through the special purpose entities (“SPEs”) route, except that such portfolios of receivables are assigned directly to the purchaser and are not represented by pass-through certificates. The Bank also sells finance receivables to SPEs, formerly qualifying special purpose entities (“QSPEs”) in securitization transactions. Recourse is in the form of the Bank’s investment in subordinated securities issued by these SPEs, cash collateral and other credit and liquidity enhancements. The receivables are derecognized in the balance sheet when they are sold and consideration has been received by the Bank. Sales and transfers that do not meet the criteria for surrender of control are accounted for as secured borrowings. The Bank first makes a determination as to whether the securitization entity would be consolidated. Second, it determines whether the transfer of financial assets is considered a sale. Furthermore, former qualifying special purpose entities (QSPEs) are now considered VIEs and are no longer exempt from consolidation. The Bank consolidates VIEs when it has both: (1) power to direct activities of the VIE that most significantly impact the entity’s economic performance and (2) an obligation to absorb losses or right to receive benefits from the entity that could potentially be significant to the VIE. The scope conditions examined include whether the entities’ equity investment at risk is insufficient to finance the activities without subordinated financial support and whether the holders of equity lack the characteristics of a financial interest. A controlling financial interest includes characteristics such as ability to make decisions through voting or similar rights, unlimited obligation to absorb the entities expected losses, and unlimited rights to receive the entities expected residual returns. Gains or losses from the sale of receivables are recognized in the income statement in the period the sale occurs based on the relative fair value of the portion sold and the portion allocated to retained interests, and are reported net of the estimated cost of servicing by the Bank. Fair values are determined based on the present value of expected future cash flows, using best estimates for key assumptions, such as prepayment and discount rates, commensurate with the risk involved. k. Property and equipment Property and equipment are stated at cost, less accumulated depreciation. Depreciation is provided over the estimated useful lives of property and equipment on a straight-line basis at the following rates: Type of Asset Rate of depreciation Premises 1.63% Software and systems 20.00% Equipment and furniture 10.00%-33.33% For assets purchased and sold during the year, depreciation is provided on a pro rata basis by the Bank and capital advances are included in other assets. Improvements to leasehold premises are charged off over the remaining primary period of the lease. l. Lease accounting The Bank recognizes its lease liabilities measured as the present value of lease payments not yet paid, discounted using the incremental borrowing rate. The right-of-use At the inception of the contract, the Bank assesses whether the contract, is or contains, a lease. The Bank’s assessment is based on whether(1) the contract involves the use of distinct identified assets, (2) the Bank has the right to substantially all the economic benefit from the use of the asset throughout the term of the contract, and (3) the Bank has the right to direct the use of the asset. Leases are examined for classification as either finance leases or operating leases. A lease is classified as a finance lease if any one of the following criteria is met (1) the lease transfers ownership of the asset by the end of the lease term, (2) the lease contains an option to purchase the asset that is reasonably certain to be exercised, (3) the lease term is for the major part of the remaining useful life of the asset or (4) the present value of the lease payments equals or exceeds substantially all of the fair value of the asset. A lease is classified as an operating lease if it does not meet any one of the above criteria. The Banks’s lessee arrangements consist of operating leases. The Bank records right-of-use Right-of-use right-of-use Lease expense is recognized on a straight-line basis over the lease term and is recorded in non-interest non-lease Right-of-use The Bank assesses leased assets for impairment, and if the carrying amount of the leased asset exceeds the undiscounted cash flows from the lease payments and the estimated residual value upon disposition of the leased asset, an impairment loss is recognized. m. Impairment or disposal of tangible long-lived assets Whenever events or circumstances indicate that the carrying amount of tangible long-lived assets may not be recoverable, the Bank subjects such long-lived assets to a test of recoverability based on the undiscounted cash flows from use or disposition of the asset. Such events or circumstances would include changes in the market, technology obsolescence, adverse changes in profitability or regulation. If the asset is impaired, the Bank recognizes an impairment loss estimated as the difference between the carrying value and the net realizable value. n. Income tax Income tax expense/benefit consists of the current tax expense and the net change in deferred tax assets or liabilities during the year. Deferred tax assets and liabilities are recognized for the future tax consequences of differences between the carrying values of assets and liabilities for financial reporting purposes and their respective tax bases, and for operating loss and tax credit carry forwards. Deferred tax assets are reduced by a valuation allowance to the amount that is more likely than not to be realized based on management’s judgment. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which the deferred tax assets or liabilities are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in the income statement in the period of enactment of the change. Income tax benefits are recognized and measured based upon a two-step more-likely-than-not The Bank accounted for dividend distribution tax in equity in the year in which a dividend is declared. With effect from April 1, 2020, no direct tax required to be paid by the Bank since dividend distribution tax payable on dividend distributed have been abolished. The Bank follows specific identification method for releasing income tax effects from accumulated other comprehensive income. o. Revenue recognition Interest income from loans and from investments is recognized on an accrual basis using the effective interest method when earned except in respect of loans or investments placed on non-accrual Fees and commissions from guarantees issued are amortized over the contractual period of the commitment. Dividends from investments are recognized when declared. Realized gains and losses on sale of securities are recorded on the trade date and are determined using the weighted average cost method. Other fees and income are recognized when earned, which is when the service that results in the income has been provided. The Bank amortizes annual fees on credit cards over the contractual period of the fees. p. Foreign currency transactions The Bank’s functional currency is the Indian Rupee, except for the Bank’s foreign branches. Foreign currency transactions are recorded at the exchange rate prevailing on the date of the transaction. Foreign currency denominated monetary assets and liabilities are converted into respective functional currency using exchange rates prevailing on the balance sheet dates. Gains and losses arising on conversion of foreign currency denominated monetary assets and liabilities and on foreign currency transactions are included in the determination of net income under foreign exchange transactions. For the foreign branches, the assets, liabilities and operations are translated, for consolidation purposes, from functional currency of the foreign branch to the Indian Rupee reporting currency at period-end q. Stock-based compensation The fair value of stock-based compensation is estimated on the date of each grant based on a binomial model. For further information, see note 21. 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 28. 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 25. 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 value. The application of the purchase method requires certain estimates and assumptions, especially concerning the determination of the fair value 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 the Bank’s interest and the acquiree’s net fair value of identifiable assets and liabilities is recognized as goodwill. w. Goodwill Under applicable accountin

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, 2022
Cash and due from banks, and restricted cash	3. Cash and due from banks, and restricted cash The Bank is required to maintain a specific percentage of its demand and time liabilities by way of a balance in a current account with the RBI. This is to maintain the solvency of the banking system. As prescribed by the RBI, the cash reserve ratio has to be maintained on an average basis for a two-week two-week prescribed threshold limit. Non-maintenance The cash and due from banks, and restricted cash consist of restricted cash of Rs. 552,005.5 million and Rs. 780,004.8 million (US$ 10,280.8 million) as at March 31, 2021 and March 31, 2022, respectively.

Investments

Investments	12 Months Ended
Investments	Mar. 31, 2022
Held for Trading
Investments	4. Investments, held for trading The portfolio of trading securities as of March 31, 2021 and March 31, 2022 was as follows: As of March 31, 2021 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In millions) Government of India securities Rs. 15,076.0 Rs. 85.8 Rs. 2.6 Rs. 15,159.2 Other corporate/financial institution securities 34,803.9 43.3 0.4 34,846.8 Total debt securities Rs. 49,879.9 Rs. 129.1 Rs. 3.0 Rs. 50,006.0 Other securities (including mutual fund units) 52,912.2 110.9 3,408.9 49,614.2 Total Rs. 102,792.1 Rs. 240.0 Rs. 3,411.9 Rs. 99,620.2 As of March 31, 2022 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In millions) Government of India securities Rs. 28,159.7 Rs. 57.7 Rs. 21.9 Rs. 28,195.5 Other corporate/financial institution securities 3,635.4 1.9 6.0 3,631.3 Total debt securities Rs. 31,795.1 Rs. 59.6 Rs. 27.9 Rs. 31,826.8 Other securities (including mutual fund units) 21,933.5 128.2 689.0 21,372.7 Total Rs. 53,728.6 Rs. 187.8 Rs. 716.9 Rs. 53,199.5 Total US$ 708.2 US$ 2.5 US$ 9.5 US$ 701.2
Available-for-Sale Debt Securities
Investments	5. Investments, available for sale debt securities The portfolio of available for sale debt securities as of March 31, 2021 and March 31, 2022 was as follows: As of March 31, 2021 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In millions) Government of India securities Rs. 3,159,905.2 Rs. 31,824.6 Rs. 20,225.8 Rs. 3,171,504.0 State government securities 348,067.7 7,373.7 2,669.6 352,771.8 Government securities outside India 5,932.2 3.8 — 5,936.0 Credit substitutes (see note 7) 534,227.1 13,423.1 373.3 547,276.9 Other corporate/financial institution bonds 36,419.0 352.5 12.3 36,759.2 Debt securities, other than asset and mortgage-backed securities 4,084,551.2 52,977.7 23,281.0 4,114,247.9 Mortgage-backed securities 30.5 1.8 — 32.3 Asset-backed securities 157,399.9 4,081.5 311.7 161,169.7 Total Rs. 4,241,981.6 Rs. 57,061.0 Rs. 23,592.7 Rs. 4,275,449.9 Securities with gross unrealized losses Rs. 1,162,099.9 Securities with gross unrealized gains 3,113,350.0 Rs. 4,275,449.9 As of March 31, 2022 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In millions) Government of India securities Rs. 3,226,917.6 Rs. 10,995.6 Rs. 42,946.3 Rs. 3,194,966.9 State government securities 429,146.8 4,395.9 5,865.9 427,676.8 Government securities outside India 2,279.2 — 3.4 2,275.8 Credit substitutes (see note 7) 578,922.3 5,381.4 1,283.5 583,020.2 Other corporate/financial institution bonds 36,689.5 179.8 163.5 36,705.8 Debt securities, other than asset and mortgage-backed securities 4,273,955.4 20,952.7 50,262.6 4,244,645.5 Mortgage-backed securities 24.2 — 1.3 22.9 Asset-backed securities 142,954.6 1,519.6 579.5 143,894.7 Total Rs. 4,416,934.2 Rs. 22,472.3 Rs. 50,843.4 Rs. 4,388,563.1 Total US$ 58,217.1 US$ 296.2 US$ 670.1 US$ 57,843.2 Securities with gross unrealized losses Rs. 1,791,389.0 Securities with gross unrealized gains 2,597,174.1 Rs. 4,388,563.1 US$ 57,843.2 AFS investments of Rs. 3,524,275.8 million and Rs. 3,622,643.8 million (US$ 47,748.0 million) as of March 31, 2021 and March 31, 2022, 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. 1,694,645.4 million as of March 31, 2021 and Rs. 1,648,213.8 million (US$ 21,724.2 million) as of March 31, 2022, 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. Amortized cost is net of Rs. 2,915.1 million and nil as allowance for credit losses as at The gross unrealized losses and fair value of available for sale debt securities at March 31, 2021 was as follows: As of March 31, 2021 Less Than 12 Months 12 Months or Greater Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (In millions) Government of India securities Rs. 930,710.0 Rs. 20,224.7 Rs. 98.2 Rs. 1.1 Rs. 930,808.2 Rs. 20,225.8 State government securities 133,639.8 2,669.6 — — 133,639.8 2,669.6 Government securities outside India — — — — — — Credit substitutes (see note 7) 43,455.7 373.3 — — 43,455.7 373.3 Other corporate/financial institution bonds 4,957.2 12.3 — — 4,957.2 12.3 Debt securities, other than asset and mortgage-backed securities 1,112,762.7 23,279.9 98.2 1.1 1,112,860.9 23,281.0 Mortgage-backed securities — — — — — — Asset-backed securities 49,239.0 311.7 — — 49,239.0 311.7 Other securities (including mutual fund units) — — — — — — Total Rs. 1,162,001.7 Rs. 23,591.6 Rs. 98.2 Rs. 1.1 Rs. 1,162,099.9 Rs. 23,592.7 The gross unrealized losses and fair value of available for sale debt securities at March 31, 2022 was as follows: As of March 31, 2022 Less Than 12 Months 12 Months or Greater Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (In millions) Government of India securities Rs. 447,360.3 Rs. 7,893.5 Rs. 838,788.4 Rs.35,052.8 Rs. 1,286,148.7 Rs. 42,946.3 State government securities 146,365.0 1,213.6 131,616.3 4,652.3 277,981.3 5,865.9 Government securities outside India 2,275.7 3.4 — — 2,275.7 3.4 Credit substitutes (see note 7) 118,798.2 972.4 37,138.9 311.1 155,937.1 1,283.5 Other corporate/financial institution bonds 15,823.3 163.5 — — 15,823.3 163.5 Debt securities, other 730,622.5 10,246.4 1,007,543.6 40,016.2 1,738,166.1 50,262.6 Mortgage-backed securities 23.0 1.3 — — 23.0 1.3 Asset-backed securities 25,557.2 310.6 27,642.7 268.9 53,199.9 579.5 Other securities (including mutual fund units) — — — — — — Total Rs. 756,202.7 Rs. 10,558.3 Rs. 1,035,186.3 Rs. 40,285.1 Rs. 1,791,389.0 Rs. 50,843.4 Total US$ 9,967.1 US$ 139.1 US$ 13,644.2 US$ 531.0 US$ 23,611.3 US$ 670.1 As of March 31, 2022 there were 119 AFS investments in Government of India securities, State government securities and Government securities outside India with unrealized losses totaling Rs. 48,815.6 million. Upon analyzing the debt security portfolios, the Bank determined that no allowance was required as at March 31, 2022 in government issued or backed securities as for these debt securities the risk of loss was deemed minimal. Additionally, none of the remaining AFS investments in debt securities held by the Bank were past due or in non-accrual Allowances for available for sale debt securities as of March 31, 2021 are as follows: As of March 31, 2021 Allowance for credit losses, beginning of the period Write-offs Addition to allowance for credit losses Allowance for credit losses, end of the period (In millions) Credit substitutes Rs. — Rs. — Rs. 2,915.1 Rs. 2,915.1 Other corporate/financial institution bonds — — — — Total Rs. — Rs. — Rs. 2,915.1 Rs. 2,915.1 Allowances for Available for sale debt Securities as of March 31, 2022 are as follows: As of March 31, 2022 Allowance for the period Write-offs Addition/(Deletion) to allowance for credit losses Allowance for period (In millions) Government of India securities Rs. — Rs. — Rs. — Rs. — State government securities — — — — Government securities outside India — — — — Credit substitutes 2,915.1 — (2,915.1 ) — Other corporate/financial institution bonds — — — — Debt securities, other than asset- and mortgage-backed securities — — — — Mortgage-backed securities — — — — Asset-backed securities — — — — Other securities (including mutual fund units) — — — — Total Rs. 2,915.1 Rs. — Rs. (2,915.1 ) Rs. — Total US$ 38.4 US$ — US$ (38.4 ) US$ — Credit Quality Indicators The Bank monitors the credit quality of its investment securities through various risk management procedures, including the monitoring of credit ratings. A majority of the debt securities in the Bank’s investment portfolio were issued by the Government of India or State governments or entities or agencies that are either explicitly or implicitly guaranteed by such governments. The Bank believes the long history of no credit losses on these securities indicates that the expectation non-payment mortgage . The contractual residual maturity of available for sale debt securities other than asset and mortgage-backed securities as of March 31, 2022 is set out below: As of March 31, 2022 Amortized Cost Fair Value Fair Value (In millions) Within one year Rs. 881,418.9 Rs. 882,468.1 US$ 11,631.3 Over one year through five years 1,492,816.4 1,503,308.7 19,814.3 Over five years through ten years 1,334,162.1 1,314,014.4 17,319.3 Over ten years 565,558.0 544,854.3 7,181.4 Total Rs. 4,273,955.4 Rs. 4,244,645.5 US$ 55,946.3 The contractual residual maturity of available for sale mortgage-backed and asset-backed debt securities as of March 31, 2022 is set out below: As of March 31, 2022 Amortized Cost Fair Value Fair Value (In millions) Within one year Rs. 63,824.9 Rs. 64,300.8 US$ 847.5 Over one year through five years 78,315.3 78,781.6 1,038.4 Over five years through ten years 774.2 771.9 10.2 Over ten years 64.4 63.3 0.8 Total Rs. 142,978.8 Rs. 143,917.6 US$ 1,896.9 Gross realized gains and gross realized losses from sale of available for sale debt securities and dividends and interest on such securities are set out below: Fiscal year ended March 31, 2020 2021 2022 2022 (In millions) Gross realized gains on sale Rs. 26,128.1 Rs. 56,439.4 Rs. 18,604.5 US$ 245.2 Gross realized losses on sale (301.9 ) (514.2 ) (1,858.7 ) (24.5 ) Realized gains (losses), net 25,826.2 55,925.2 16,745.8 220.7 Dividends and interest 198,383.2 226,690.9 240,943.0 3,175.7 Total Rs. 224,209.4 Rs. 282,616.1 Rs. 257,688.8 US$ 3,396.4
Held-to-maturity Securities
Investments	6. Investments, held to maturity There were no HTM securities as of March 31, 2021 and March 31, 2022.

Credit substitutes

Credit substitutes	12 Months Ended
Credit substitutes	Mar. 31, 2022
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 value of credit substitutes by type of instrument as of March 31, 2021 and March 31, 2022 were as follows: As of March 31, 2021 2022 Amortized Cost Fair Value Amortized Cost Fair Value (In millions) Available for sale credit substitute debt securities: Debentures Rs. 524,448.4 Rs. 537,472.8 Rs. 577,377.0 Rs. 581,551.5 Preference shares — — 77.1 0.5 Commercial paper 9,778.7 9,804.1 1,468.2 1,468.2 Total Rs. 534,227.1 Rs. 547,276.9 Rs. 578,922.3 Rs. 583,020.2 US$ 7,630.5 US$ 7,684.5 The fair value of credit substitutes by the Bank’s internal credit quality indicators and amounts provided for non-performing credit substitutes is as follows: As of March 31, 2021 2022 2022 (In millions) Pass Rs. 547,276.9 Rs. 583,020.2 US$ 7,684.5 Non-performing —gross balance — — — Less: Non-performing losses — — — Non-performing credit substitutes, net — — — Total credit substitutes, net Rs. 547,276.9 Rs. 583,020.2 US$ 7,684.5 The following table provides information on non-performing credit substitutes as at March 31, 2021 and March 31, 2022: As of March 31, 2021 2022 2022 (In millions) Gross non-performing credit substitutes Rs — Rs — US$ — Gross non-performing credit substitutes by industry Rs. — Rs. — US$ — Average non-performing credit substitutes Rs. — Rs. — US$ — Interest income recognized on non-performing credit substitutes Rs. — Rs. — US$ — As of March 31, 2022, the Bank has no additional funds committed to borrowers whose credit substitutes were non-performing.

Repurchase and resell agreement

Repurchase and resell agreements	12 Months Ended
Repurchase and resell agreements	Mar. 31, 2022
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, 2020, March 31, 2021 and March 31, 2022. 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, 2021 and March 31, 2022 were Rs. 270,060.0 million and Rs. 373,053.3 million (US$ 4,917.0 million), respectively (see note 23). 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, 2021 and March 31, 2022 were Rs. 356,059.2 and Rs. 151,844.9 million (US$ 2,001.4 million), respectively. The Government of India securities are pledged as collateral (see note 23).

Loans

Loans	12 Months Ended
Loans	Mar. 31, 2022
Loans	9. Loans Loan balances included Rs. 406,381.7 million and Rs. 372,013.8 million (US$ 4,903.3 million) as of March 31, 2021 and March 31, 2022, respectively, which have been provided as collateral for borrowings and are therefore restricted. Loans by facility as of March 31, 2021 and March 31, 2022 were as follows: As of March 31, 2021 2022 2022 (In millions) Retail loans: Auto loans Rs. 964,053.2 Rs. 1,042,793.0 US$ 13,744.5 Personal loans/Credit cards 2,042,727.2 2,341,971.8 30,868.2 Retail business banking 2,007,845.9 2,617,087.1 34,494.4 Commercial vehicle and construction equipment finance 805,329.8 951,066.0 12,535.5 Housing loans 702,235.5 830,882.4 10,951.4 Other retail loans 1,306,641.0 1,526,734.4 20,122.9 Subtotal Rs. 7,828,832.6 Rs. 9,310,534.7 US$ 122,716.9 Wholesale loans Rs. 4,214,885.3 Rs. 5,099,009.3 US$ 67,207.2 Gross loans 12,043,717.9 14,409,544.0 189,924.1 Less: Allowance for credit losses 343,528.7 372,671.8 4,911.9 Total Rs. 11,700,189.2 Rs. 14,036,872.2 US$ 185,012.2 Loans, other than crop-related non-accrual non-performing non-accrual non-performing . The maturity of gross loans as of March 31, 2022 is set out below: As of March 31, 2022 Wholesale loans Retail loans Total (In millions) Maturity profile of loans: Within one year Rs. 2,174,459.2 Rs. 2,525,390.8 Rs. 4,699,850.0 Over one year through five years 1,844,496.2 6,006,016.1 7,850,512.3 Over five years 1,080,053.9 779,127.8 1,859,181.7 Total Rs. 5,099,009.3 Rs. 9,310,534.7 Rs. 14,409,544.0 Total US$ 67,207.2 US$ 122,716.9 US$ 189,924.1 The following table provides details of age analysis of loans and finance receivable on non-accrual As of March 31, 2021 31-90 days past due Non-accrual/ 91 days or more past due Current 1,2 Total Finance receivable on non-accrual status (In millions) Retail Loans Auto loans Rs. 8,523.6 Rs. 28,476.3 Rs. 927,053.3 Rs. 964,053.2 Rs. 28,476.3 Personal loans/Credit card 25,026.7 37,026.1 1,980,674.4 2,042,727.2 37,026.1 Retail business banking 19,239.0 31,328.9 1,957,278.0 2,007,845.9 31,328.9 Commercial vehicle and construction equipment finance 16,946.0 32,015.3 756,368.5 805,329.8 32,015.3 Housing loans 4,530.8 5,171.9 692,532.8 702,235.5 5,171.9 Other retail 18,535.0 39,584.4 1,248,521.6 1,306,641.0 39,584.4 Wholesale loans 6,277.0 40,179.5 4,168,428.8 4,214,885.3 40,179.5 Total Rs. 99,078.1 Rs. 213,782.4 Rs. 11,730,857.4 Rs. 12,043,717.9 Rs. 213,782.4 1. Loans up to 30 days past due are considered current . 2. Includes crop-related non-performing As of March 31, 2022 31-90 days past due Non-accrual/ due Current 1,2 Total Finance receivable on non-accrual (In millions) Retail Loans Auto loans Rs. 6,536.5 Rs. 20,441.6 Rs. 1,015,814.9 Rs. 1,042,793.0 Rs. 20,441.6 Personal loans/Credit card 27,433.8 28,057.5 2,286,480.5 2,341,971.8 28,057.5 Retail business banking 18,242.9 35,820.2 2,563,024.0 2,617,087.1 35,820.2 Commercial vehicle and construction equipment finance 20,263.0 25,091.5 905,711.5 951,066.0 25,091.5 Housing loans 3,296.3 6,478.4 821,107.7 830,882.4 6,478.4 Other retail 18,009.8 49,459.2 1,459,265.4 1,526,734.4 49,459.2 Wholesale loans 8,455.4 31,921.1 5,058,632.8 5,099,009.3 31,921.1 Total Rs. 102,237.7 Rs. 197,269.5 Rs. 14,110,036.8 Rs. 14,409,544.0 Rs. 197,269.5 Total US$ 1,347.5 US$ 2,600.1 US$ 185,976.5 US$ 189,924.1 US$ 2,600.1 1. Loans up to 30 days past due are considered current . 2. Includes crop-related non-performing From fiscal year 2020 the Bank has implemented the packages announced by RBI on account of the COVID-19 pandemic which grants temporary extensions in repayment obligations to the borrowers without any interest or financial concessions. While the moratorium allowed customers (from March to August 2020) to temporarily freeze loan repayments, the loan restructuring packages eased the burden of monthly repayments. The total balance outstanding of loan facilities restructured was Rs. 138.4 billion as of March 31, 2021 and Rs. 229.8 billion (US$ 3.0 billion) as of March 31, 2022. These restructured facilities as of March 31, 2021 included retail loans and wholesale loans of Rs. 137.8 billion and Rs. 0.6 billion respectively and as of March 31, 2022 include retail loans and wholesale loans of Rs. 220.0 billion and Rs. 9.8 billion respectively. As stipulated by regulatory guidance, the Bank does not place loans with deferrals granted due to COVID-19 on nonaccrual status where such loans are not otherwise reportable as nonaccrual and thus considered in the allowance for loan losses. For retail loans the policy and approval processes are designed for the fact that the Bank has high volumes of relatively homogeneous, small value transactions in retail loans. There are product programs for each of these products, which define the target markets, credit philosophy and process, detailed underwriting criteria for evaluating individual credits, exception reporting systems and individual loan exposure caps. The quantitative parameters considered include income, residence stability and 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 regularly mines data on its borrower account behavior as well as static data to monitor the portfolio performance of each product segment and uses these as inputs for 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. Disbursals under one-time The amount of purchased financing receivables outstanding as of March 31, 2021 and March 31, 2022 was Rs. 710,194.7 million and Rs. 836,172.8 million, respectively. The following table provides information on primary credit quality indicators as at March 31, 2021: Credit quality indicators-Internally assigned grade Prior 2017 2018 2019 2020 2021 Revolving Loans Revolving loans converted to term loans Total (In millions) Auto loans Performing Rs. 4,599.0 Rs. 30,174.9 Rs. 99,159.5 Rs. 168,159.1 Rs. 266,277.0 Rs. 362,747.1 Rs. 4,460.3 Rs. — Rs. 935,576.9 Non-performing 736.9 2,066.2 6,048.0 9,260.9 8,513.0 1,033.0 818.3 — 28,476.3 Subtotal Rs. 5,335.9 Rs. 32,241.1 Rs. 105,207.5 Rs. 177,420.0 Rs. 274,790.0 Rs. 363,780.1 Rs. 5,278.6 Rs. — Rs. 964,053.2 Personal loans/Credit card Performing Rs. 613.8 Rs. 8,617.1 Rs. 48,658.4 Rs. 178,532.3 Rs. 483,925.8 Rs. 638,007.4 Rs. 326,118.9 Rs. 321,227.4 Rs. 2,005,701.1 Non-performing 118.6 601.7 3,144.1 8,704.2 11,381.7 1,162.5 8,259.7 3,653.6 37,026.1 Subtotal Rs. 732.4 Rs. 9,218.8 Rs. 51,802.5 Rs. 187,236.5 Rs. 495,307.5 Rs. 639,169.9 Rs. 334,378.6 Rs. 324,881.0 Rs. 2,042,727.2 Retail business banking Performing Rs. 35,189.0 Rs. 49,573.1 Rs. 121,663.7 Rs. 145,473.9 Rs. 209,578.9 Rs. 480,518.2 Rs. 934,520.2 Rs. — Rs. 1,976,517.0 Non-performing 3,584.6 2,717.7 4,863.1 3,865.9 1,883.4 1,053.4 13,360.8 — 31,328.9 Subtotal Rs. 38,773.6 Rs. 52,290.8 Rs. 126,526.8 Rs. 149,339.8 Rs. 211,462.3 Rs. 481,571.6 Rs. 947,881.0 Rs. — Rs. 2,007,845.9 Commercial vehicle and construction equipment finance Performing Rs. 517.8 Rs. 6,292.2 Rs. 44,766.4 Rs. 146,432.4 Rs. 214,342.4 Rs. 287,953.1 Rs. 73,010.2 Rs. — Rs. 773,314.5 Non-performing 155.9 836.6 4,397.4 11,112.3 10,159.4 1,086.1 4,267.6 — 32,015.3 Subtotal Rs. 673.7 Rs. 7,128.8 Rs. 49,163.8 Rs. 157,544.7 Rs. 224,501.8 Rs. 289,039.2 Rs. 77,277.8 Rs. — Rs. 805,329.8 Housing loans Performing Rs. 272,061.4 Rs. 111,758.9 Rs. 105,069.4 Rs. 152,564.7 Rs. 55,570.3 Rs. 38.9 Rs. — Rs. — Rs. 697,063.6 Non-performing 2,407.3 1,082.6 744.5 865.9 71.6 — — — 5,171.9 Subtotal Rs. 274,468.7 Rs. 112,841.5 Rs. 105,813.9 Rs. 153,430.6 Rs. 55,641.9 Rs. 38.9 Rs. — Rs. — Rs. 702,235.5 Other retail loans Performing Rs. 2,406.7 Rs. 8,530.0 Rs. 20,090.5 Rs. 45,854.0 Rs. 129,946.8 Rs. 483,241.9 Rs. 576,986.7 Rs. — Rs. 1,267,056.6 Non-performing 2,626.0 1,214.6 2,082.0 4,710.1 7,442.1 1,534.0 19,975.6 — 39,584.4 Subtotal Rs. 5,032.7 Rs 9,744.6 Rs. 22,172.5 Rs. 50,564.1 Rs. 137,388.9 Rs. 484,775.9 Rs. 596,962.3 Rs. — Rs. 1,306,641.0 Total Rs. 325,017.0 Rs. 223,465.6 Rs. 460,687.0 Rs. 875,535.7 Rs. 1,399,092.4 Rs. 2,258,375.6 Rs. 1,961,778.3 Rs. 324,881.0 Rs. 7,828,832.6 The following table provides information on primary credit quality indicators as at March 31, 2022: Credit quality indicators-Internally assigned grade Prior 2018 2019 2020 2021 2022 Revolving loans Revolving loans converted to term loans Total (In millions) Auto loans Performing Rs. 8,466.2 Rs. 42,634.8 Rs. 89,161.9 Rs. 169,606.1 Rs. 252,295.7 Rs. 455,114.6 Rs. 5,072.1 Rs. — Rs. 1,022,351.4 Non-performing 846.1 2,866.6 5,455.2 6,323.4 2,973.5 661.7 1,315.1 — 20,441.6 Subtotal Rs. 9,312.3 Rs. 45,501.4 Rs. 94,617.1 Rs. 175,929.5 Rs. 255,269.2 Rs. 455,776.3 Rs. 6,387.2 Rs. — Rs. 1,042,793.0 Personal loans/Credit card Performing Rs. 1,374.4 Rs. 14,320.8 Rs. 67,477.1 Rs. 225,561.4 Rs. 336,526.1 Rs. 947,277.0 Rs. 381,900.4 Rs. 339,477.1 Rs. 2,313,914.3 Non-performing 201.7 910.2 4,184.4 7,967.1 3,931.7 1,722.7 6,405.6 2,734.1 28,057.5 Subtotal Rs. 1,576.1 Rs. 15,231.0 Rs. 71,661.5 Rs. 233,528.5 Rs. 340,457.8 Rs. 948,999.7 Rs. 388,306.0 Rs. 342,211.2 Rs. 2,341,971.8 Retail business banking Performing Rs. 52,347.2 Rs. 78,959.8 Rs. 97,361.4 Rs. 151,964.0 Rs. 306,673.0 Rs. 569,687.0 Rs. 1,324,274.5 Rs. — Rs. 2,581,266.9 Non-performing 3,661.9 3,736.0 3,429.5 2,598.7 2,880.8 412.2 19,101.1 — 35,820.2 Subtotal Rs. 56,009.1 Rs. 82,695.8 Rs. 100,790.9 Rs. 154,562.7 Rs. 309,553.8 Rs. 570,099.2 Rs. 1,343,375.6 Rs. — Rs. 2,617,087.1 Commercial vehicle and construction equipment finance Performing Rs. 1,837.4 Rs. 16,022.5 Rs. 69,418.2 Rs. 125,223.1 Rs. 185,561.0 Rs. 426,434.1 Rs. 101,478.2 Rs. — Rs. 925,974.5 Non-performing 210.8 1,391.5 6,224.5 8,010.6 3,883.8 651.3 4,719.0 — 25,091.5 Subtotal Rs. 2,048.2 Rs. 17,414.0 Rs. 75,642.7 Rs. 133,233.7 Rs. 189,444.8 Rs. 427,085.4 Rs. 106,197.2 Rs. — Rs. 951,066.0 Housing loans Performing Rs. 301,103.3 Rs. 85,682.1 Rs. 127,339.2 Rs. 46,798.3 Rs. 0.6 Rs. 263,480.5 Rs. — Rs. — Rs. 824,404.0 Non-performing 1,597.6 504.1 1,472.2 2,193.9 512.8 197.8 — — 6,478.4 Subtotal Rs. 302,700.9 Rs. 86,186.2 Rs. 128,811.4 Rs. 48,992.2 Rs. 513.4 Rs. 263,678.3 Rs. — Rs. — Rs. 830,882.4 Other retail loans Performing Rs. 4,260.4 Rs. 11,266.3 Rs. 20,843.1 Rs. 51,074.6 Rs. 131,647.7 Rs. 567,032.4 Rs. 691,150.7 Rs. — Rs. 1,477,275.2 Non-performing 2,989.1 1,434.6 4,470.0 10,682.7 3,645.0 1,004.1 25,233.7 — 49,459.2 Subtotal Rs. 7,249.5 Rs 12,700.9 Rs. 25,313.1 Rs. 61,757.3 Rs. 135,292.7 Rs. 568,036.5 Rs. 716,384.4 Rs. — Rs. 1,526,734.4 Total Rs. 378,896.1 Rs. 259,729.3 Rs. 496,836.7 Rs. 808,003.9 Rs. 1,230,531.7 Rs. 3,233,675.4 Rs. 2,560,650.4 Rs. 342,211.2 Rs. 9,310,534.7 Total US$ 4,994.0 US$ 3,423.3 US$ 6,548.5 US$ 10,649.8 US$ 16,218.9 US$ 42,621.3 US$ 33,750.5 US$ 4,510.5 US$ 122,716.9 Wholesale Loans The Bank has a process in place of grading each borrower according to its financial health and the performance of its business and each borrower is graded as pass/labeled/non-performing. non-performing The following table provides information on primary credit quality indicators as at March 31, 2021. Credit quality indicators-Internally assigned grade Prior 2017 2018 2019 2020 2021 Revolving Loans Total (In millions) Wholesale loans Pass Rs. 3,939.4 Rs. 3,332.3 Rs. 298,631.5 Rs. 324,816.0 Rs. 568,907.1 Rs. 2,007,206.0 Rs. 930,417.0 Rs. 4,137,249.3 Labeled — — 7,503.2 10,194.9 2,427.6 4,073.6 13,257.2 37,456.5 Non-performing 445.8 84.3 10,893.1 4,778.7 1,445.3 2,255.7 20,276.6 40,179.5 Total Rs. 4,385.2 Rs. 3,416.6 Rs. 317,027.8 Rs. 339,789.6 Rs. 572,780.0 Rs. 2,013,535.3 Rs. 963,950.8 Rs. 4,214,885.3 Non-performing As of March 31, 2021 (In millions) Gross non-performing —Consumer Loans Rs. 47,028.8 —Agri Production—Food 21,028.5 —Road Transportation 18,344.8 —Retail Trade 17,242.9 —Agri Allied 10,829.6 —Others (none greater than 5% of non-performing 99,307.8 Total Rs. 213,782.4 As of March 31, 2022 (In millions) Gross non-performing —Consumer Loans Rs. 35,554.7 US$ 468.6 —Agri Production—Food 23,569.7 310.7 —Retail Trade 15,124.1 199.3 —Agri Allied 13,255.0 174.7 —Road Transportation 12,961.6 170.8 —Consumer services 10,352.3 136.4 —Others (none greater than 5% of non-performing 86,452.1 1,139.6 Total Rs. 197,269.5 US$ 2,600.1 Summary information relating to non-performing Fiscal year ended March 31, 2020 2021 2022 2022 (In millions) Average impaired loans Rs. 148,924.7 Rs. 185,604.7 Rs. 205,526.0 US$ 2,708.9 Interest income recognized on non-performing Rs. 10,160.5 Rs. 7,025.3 Rs. 11,881.0 US$ 156.6 The Bank adopted on April 1, 2021 ASU 2016-13 The following table illustrates the impact on allowances for credit losses on adopting ASC 326. As of April 1, 2020 As reported Pre-ASC Impact of (In millions) Loans: Auto loans Rs.29,099.9 Rs.19,219.0 Rs.9,880.9 Personal loans/Credit cards 85,188.2 47,097.1 38,091.1 Retail business banking 36,807.8 32,860.3 3,947.5 Commercial vehicle and construction equipment finance 20,788.9 20,463.4 325.5 Housing loans 3,360.2 1,700.7 1,659.5 Other retail loans 38,098.6 37,864.3 234.3 Wholesale loans 66,502.6 39,628.4 26,874.2 Allowance for Credit Losses on Loans Rs.279,846.2 Rs.198,833.2 Rs.81,013.0 Allowance for Credit Losses on AFS debt securities — — — Accrued expenses and other liabilities: Allowance for Credit Losses on Off-Balance Sheet Credit Exposures and undrawn commitments Rs.5,523.4 Rs.3,226.8 Rs.2,296.6 Allowance for Credit Losses Other 186.8 — 186.8 Total Rs. 285,556.4 Rs. 202,060.0 Rs. 83,496.4 Allowance for credit losses as of March 31, 2020 were as follows: Auto loans Personal loans/ Credit card Retail business banking Commercial vehicle and Construction equipment finance Housing loans Other retail Wholesale Retail Wholesale Total (In millions) Allowance for credit losses, beginning of the period Rs. 6,169.0 Rs. 9,694.0 Rs. 21,595.3 Rs. 6,544.8 Rs. 1,105.2 Rs. 20,441.5 Rs. 20,233.2 Rs. 52,941.1 Rs. 9,507.9 Rs. 148,232.0 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 ) 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 Allowance for credit losses, end of the period Rs. 7,814.5 Rs. 8,535.1 Rs. 21,687.4 Rs. 11,607.3 Rs. 1,414.7 Rs. 24,116.5 Rs. 26,426.4 Rs. 84,029.4 Rs. 13,201.9 Rs. 198,833.2 Allowance for credit losses: Allowance individually evaluated for impairment Rs. — Rs. — Rs. — Rs. — Rs. — Rs. — Rs. 26,426.4 Rs. — Rs. — Rs. 26,426.4 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 Loans: Loans individually evaluated for impairment — — — — — — 35,423.4 — — 35,423.4 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 * Net allowances for credit losses charged to expense does not include the recoveries against write-off . are are Allowances for credit losses as of March 31, 2021 are as follows: Auto loans Personal loans/ Credit card Retail business banking Commercial vehicle and Construction equipment finance Housing loans Other retail Wholesale Total (In millions) Allowance for credit losses, beginning of the period Rs. 19,219.0 Rs. 47,097.1 Rs. 32,860.3 Rs. 20,463.4 Rs. 1,700.7 Rs. 37,864.3 Rs. 39,628.4 Rs. 198,833.2 Impact of Adopting ASC 326 9,880.9 38,091.1 3,947.5 325.5 1,659.5 234.3 26,874.2 81,013.0 Write-offs (13,263.5 ) (61,571.8 ) (14,951.6 ) (15,921.5 ) (190.8 ) (9,942.8 ) (3,628.7 ) (119,470.7 ) Net allowance for credit losses* 23,559.7 86,464.6 20,432.2 21,489.3 1,408.6 21,073.4 8,725.4 183,153.2 Allowance for credit losses, end of the period Rs. 39,396.1 Rs. 110,081.0 Rs. 42,288.4 Rs. 26,356.7 Rs. 4,578.0 Rs. 49,229.2 Rs. 71,599.3 Rs. 343,528.7 Allowance for credit losses: Individually evaluated Allowance Rs. 34.7 Rs. 4.0 Rs. 3,540.7 Rs. 59.6 Rs. — Rs. 72.1 Rs. 33,222.5 Rs. 36,933.6 Collectively evaluated Allowance 39,361.4 110,077.0 38,747.7 26,297.1 4,578.0 49,157.1 38,376.8 306,595.1 Loans: — — — — — — — Individually evaluated Loans 49.5 4.2 3,560.8 59.7 — 92.7 42,786.8 46,553.7 Collectively evaluated Loans 964,003.7 2,042,723.0 2,004,285.1 805,270.1 702,235.5 1,306,548.3 4,172,098.5 11,997,164.2 * Net allowances for credit losses charged to expense does not include the recoveries against write-off . Allowances for credit losses as of March 31, 2022 are as follows: Auto loans Personal loans/ Credit card Retail business banking Commercial vehicle and Construction equipment finance Housing loans Other retail Wholesale Total Total (In millions) Allowance for Rs. 39,396.1 Rs. 110,081.0 Rs. 42,288.4 Rs. 26,356.7 Rs. 4,578.0 Rs. 49,229.2 Rs. 71,599.3 Rs. 343,528.7 US$ 4,527.9 Write-offs (19,376.9 ) (74,500.8 ) (3,027.7 ) (16,592.0 ) (601.6 ) (17,567.4 ) (2,351.4 ) (134,017.8 ) (1,766.5 ) Net allowance for 21,750.2 75,986.2 9,794.3 21,986.2 (1,284.2 ) 29,775.2 5,153.0 163,160.9 2,150.5 Allowance for Rs. 41,769.4 Rs. 111,566.4 Rs. 49,055.0 Rs. 31,750.9 Rs. 2,692.2 Rs. 61,437.0 Rs. 74,400.9 Rs. 372,671.8 US$ 4,911.9 Allowance for Individually Rs. 18.4 Rs. 6.5 Rs. 2,651.4 Rs. 65.8 Rs. — Rs. 92.3 Rs. 35,619.7 Rs. 38,454.1 US$ 506.8 Collectively 41,751.0 111,559.9 46,403.6 31,685.1 2,692.2 61,344.7 38,781.2 334,217.7 4,405.1 Loans: Individually 31.5 29.4 2,651.4 66.3 — 126.6 41,832.9 44,738.1 589.7 Collectively 1,042,761.5 2,341,942.4 2,614,435.7 950,999.7 830,882.4 1,526,607.8 5,057,176.4 14,364,805.9 189,334.4 * Net allowances for credit losses charged to expense does not include the recoveries against write-off . The allowance for credit losses is assessed at each period end and the increase/(decrease), as the case may be is recorded in the income statement under provision for credit losses net of recoveries against write-offs. Troubled debt restructuring (TDR) When the Bank grants a concession, for economic or legal reasons related to a borrower’s financial difficulties, for other than an insignificant period of time, the related loan is classified as a TDR. Such 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, those loans are re-measured loan-by-loan s Interest on loans by facility are as follows: Fiscal year ended March 31, 2020 2021 2022 2022 (In millions) Wholesale loans Rs. 245,504.7 Rs. 263,190.7 Rs. 250,779.5 US$ 3,305.4 Retail loans 736,290.1 753,857.1 807,146.1 10,638.5 Total Rs. 981,794.8 Rs. 1,017,047.8 Rs. 1,057,925.6 US$ 13,943.9

Concentrations of credit risk

Concentrations of credit risk	12 Months Ended
Concentrations of credit risk	Mar. 31, 2022
Concentrations of credit risk	10. Concentrations of credit risk Concentrations of credit risk exist when changes in economic, industry or geographic factors similarly affect groups of counterparties whose aggregate credit exposure is material in relation to the Bank’s total credit exposure. The Bank manages its credit risk collectively for its loan portfolio and credit substitute securities as these instruments are invested in as part of an overall lending program for corporate customers; accordingly, information on concentrations of credit risk has been provided for these exposures together. In the case of wholesale loans, while the Bank generally lends on a cash-flow basis, it also requires collateral which consists of liens on inventory, receivables and other current assets, and in some cases, charges on fixed assets, such as property, movable assets (such as vehicles) and financial assets (such as marketable securities) from a large number of the Bank’s borrowers. The Bank’s retail loans are generally secured by a charge on the asset financed (vehicle loans, property loans and loans against gold and securities). Retail business banking loans are secured with current assets as well as immovable property and fixed assets in some cases. However, collateral securing each individual loan may not be adequate in relation to the value of the loan. If the customer fails to pay, the Bank would, as applicable, liquidate collateral and/or set off accounts. The maximum estimated loss that would be incurred under severe, hypothetical circumstances, for which the Bank believes the possibility is extremely remote, such as where the value of the Bank’s interests and any associated collateral declines to zero, without any consideration of recovery or offset is determined as the carrying values of the instruments as given in the below table. The Bank’s portfolio of loans, credit substitute securities and non-funded As of March 31, 2021 Category Gross loans Fair value of Non-funded Total % (In millions, except percentages) Consumer Loans Rs. 3,241,292.9 Rs. — Rs. 2,578.6 Rs. 3,243,871.5 23.5 Power 630,189.4 76,449.1 30,299.7 736,938.2 5.3 Retail Trade 540,350.3 — 21,747.7 562,098.0 4.1 NBFC 415,787.6 83,596.5 2,789.6 502,173.7 3.6 Financial Institutions 443,257.3 21,147.1 3.7 464,408.1 3.4 Consumer Services 424,765.4 2,048.0 17,743.6 444,557.0 3.2 Automobile & Auto Ancillary 381,562.7 18,556.9 35,757.0 435,876.6 3.2 Coal & Petroleum Products 172,989.4 190,457.8 59,803.5 423,250.7 3.1 Road Transportation 368,388.5 — 8,572.3 376,960.8 2.7 Infrastructure Development 167,416.1 15,879.7 190,154.9 373,450.7 2.7 Food and Beverage 342,573.5 240.4 29,321.5 372,135.4 2.7 Real Estate & Property Services 298,277.1 4,872.2 35,737.9 338,887.2 2.5 Agri Production — Food 337,904.8 — 998.1 338,902.9 2.5 Wholesale Trade — Non Industrial 301,508.2 2,065.6 17,816.8 321,390.6 2.3 Iron and Steel 248,140.2 13,116.6 53,192.5 314,449.3 2.3 Wholesale Trade — Industrial 258,854.1 — 51,891.6 310,745.7 2.3 Textiles & Garments 257,577.9 6,882.2 27,498.8 291,958.9 2.1 Engineering 189,952.7 6,448.4 92,218.6 288,619.7 2.1 Others (none greater than 2%) 3,022,929.8 105,516.4 538,019.5 3,666,465.7 26.4 Total Rs. 12,043,717.9 Rs. 547,276.9 Rs. 1,216,145.9 Rs. 13,807,140.7 100.0 As of March 31, 2022 Category Gross loans Fair value of Non-funded exposure Total Total % (In millions, except percentages) Consumer Loans Rs. 3,746,781.7 Rs. — Rs. 3,035.7 Rs. 3,749,817.4 US$ 49,424.2 22.7 Power 671,859.4 70,346.0 52,366.6 794,572.0 10,472.8 4.8 Financial Institutions 618,494.1 51,844.1 13.1 670,351.3 8,835.5 4.1 NBFC 509,445.4 106,764.5 5,818.5 622,028.4 8,198.6 3.8 Retail Trade 589,947.3 — 28,857.8 618,805.1 8,156.1 3.7 Coal & Petroleum Products 233,583.7 174,424.6 149,716.9 557,725.2 7,351.1 3.4 Infrastructure Development 272,428.0 18,032.7 220,442.5 510,903.2 6,733.9 3.1 Automobile & Auto Ancillary 443,538.7 19,768.7 36,999.9 500,307.3 6,594.3 3.0 Consumer Services 465,465.8 — 28,102.4 493,568.2 6,505.4 3.0 Food and Beverage 433,042.2 — 39,007.2 472,049.4 6,221.8 2.9 Wholesale Trade—Non Industrial 417,954.8 — 26,147.5 444,102.3 5,853.5 2.7 Real Estate & Property Services 383,765.5 4,792.6 40,694.4 429,252.5 5,657.7 2.6 Wholesale Trade—Industrial 347,202.9 — 73,867.5 421,070.4 5,549.9 2.5 Road Transportation 406,376.4 — 10,269.5 416,645.9 5,491.6 2.5 Iron and Steel 321,587.7 12,486.0 80,515.7 414,589.4 5,464.5 2.5 Telecom 331,131.1 2,989.4 43,335.9 377,456.4 4,975.0 2.3 Textiles & Garments 324,419.6 6,135.7 43,748.6 374,303.9 4,933.5 2.3 Engineering 253,105.1 6,666.6 105,164.7 364,936.4 4,810.0 2.2 Agri Production—Food 350,859.6 — 963.1 351,822.7 4,637.2 2.1 Others (none greater than 2%) 3,288,555.0 108,769.3 546,407.8 3,943,732.1 51,980.1 23.8 Total Rs. 14,409,544.0 Rs. 583,020.2 Rs. 1,535,475.3 Rs. 16,528,039.5 US$ 217,846.7 100.0 The Bank’s ten largest exposures as of March 31, 2021 and March 31, 2022, based on the higher of the outstanding balance or the limit on loans, investments (including credit substitutes) and non-funded As of March 31, 2021 Funded Exposure Non-Funded Exposure Total Exposure (In millions) Borrower 1 Rs. 302,918.5 Rs. 500.0 Rs. 303,418.5 Borrower 2 192,080.2 61,446.2 253,526.4 Borrower 3 195,480.0 — 195,480.0 Borrower 4 154,997.8 548.1 155,545.9 Borrower 5 150,000.0 489.2 150,489.2 Borrower 6 148,107.3 — 148,107.3 Borrower 7 3,830.9 100,477.6 104,308.5 Borrower 8 98,919.7 2,000.0 100,919.7 Borrower 9 75,437.8 22,268.4 97,706.2 Borrower 10 90,108.0 — 90,108.0 As of March 31, 2022 Funded Exposure Non-Funded Exposure Total Exposure Total Exposure (In millions) Borrower 1 Rs. 265,661.9 Rs. 500.0 Rs. 266,161.9 US$ 3,508.1 Borrower 2 245,435.0 — 245,435.0 3,234.9 Borrower 3 119,950.5 116,547.4 236,497.9 3,117.1 Borrower 4 150,283.8 — 150,283.8 1,980.8 Borrower 5 126,639.8 19,268.4 145,908.2 1,923.1 Borrower 6 142,600.0 — 142,600.0 1,879.5 Borrower 7 140,000.0 232.0 140,232.0 1,848.3 Borrower 8 137,700.0 199.2 137,899.2 1,817.6 Borrower 9 133,670.0 — 133,670.0 1,761.8 Borrower 10 108,591.5 17,855.7 126,447.2 1,666.6

Property and equipment

Property and equipment	12 Months Ended
Property and equipment	Mar. 31, 2022
Property and equipment	11. Property and equipment Property and equipment by asset category is as follows: As of March 31, 2021 2022 2022 (In millions) Land and premises Rs. 21,205.2 Rs. 22,754.4 US$ 299.9 Software and systems 37,134.2 45,767.3 603.2 Equipment and furniture 92,610.9 106,945.7 1,409.6 Property and equipment, at cost 150,950.3 175,467.4 2,312.7 Less: Accumulated depreciation 97,855.9 109,641.0 1,445.1 Property and equipment, net Rs. 53,094.4 Rs. 65,826.4 US$ 867.6 Depreciation and amortization charged for the years ended March 31, 2020, March 31, 2021 and March 31, 2022 was Rs. 12,800.3 million, Rs. 13,860.2 million and Rs. 16,816.9 million (US$ 221.7 million), respectively.

Goodwill

Goodwill	12 Months Ended
Goodwill	Mar. 31, 2022
Goodwill	12. Goodwill Goodwill arising from a business combination is tested for impairment at least on an annual basis. There were no changes in the carrying amount of goodwill of Rs. 74,937.9 million (US$ 987.7 million) for the year s

Other assets

Other assets	12 Months Ended
Other assets	Mar. 31, 2022
Other assets	13. Other assets Other assets include the following: As of March 31, 2021 2022 2022 (In millions) Security deposits for leased property Rs. 5,483.3 Rs. 5,687.6 US$ 75.0 Sundry accounts receivable 46,755.4 52,033.2 685.8 Advance income tax (in excess of current tax expense) 33,915.5 41,941.6 552.8 Advances 7,790.4 10,705.4 141.1 Prepaid expenses 1,963.8 4,333.2 57.1 Deposits/Margins paid 12,125.1 10,330.7 136.2 Derivatives (see note 23) 84,406.7 80,202.3 1,057.1 Term placements 105,204.8 471,502.0 6,214.6 Receivable on account of trade date 4,928.5 2,025.2 26.7 Right use 64,548.8 71,572.2 943.4 Others* 89,850.5 114,420.9 1,508.0 Total Rs. 456,972.8 Rs. 864,754.3 US$ 11,397.8 * Others include equity securities with carrying value amounting to Rs. 20,600.1 million and Rs. 14,736.7 million as at March 31, 2021 and March 31, 2022, respectively. Equity securities include non-marketable of Unrealized gain/(loss) non-interest amount t o s .

Deposits

Deposits	12 Months Ended
Deposits	Mar. 31, 2022
Deposits	14. Deposits Deposits includ e non-interest-bearing, As of March 31, 2021 2022 2022 (In millions) Interest-bearing: Savings deposits Rs. 4,034,924.8 Rs. 5,117,372.1 US$ 67,449.2 Time deposits 7,191,543.0 8,080,607.6 106,506.0 Total interest-bearing deposits 11,226,467.8 13,197,979.7 173,955.2 Non-interest-bearing 2,110,762.4 2,382,052.2 31,396.5 Total Rs. 13,337,230.2 Rs.15,580,031.9 US$ 205,351.7 As of March 31, 2021 and March 31, 2022, time deposits of Rs. 5,901,654.6 million and Rs. 6,186,602.3 million, respectively, had a residual maturity of one year or less. The remaining deposits mature between one As of March 31, 2021 and March 31, 2022, time deposits in excess of Rs. 0. 5 As of March 31, 2022, the scheduled maturities for total time deposits were as follows: As of March 31, 2022 (In millions) Due to mature in the fiscal year ending March 31: 2023 Rs. 6,186,602.3 US$ 81,542.1 2024 963,603.9 12,700.7 2025 321,124.9 4,232.6 2026 203,446.6 2,681.5 2027 331,003.9 4,362.8 Thereafter 74,826.0 986.3 Total Rs. 8,080,607.6 US$ 106,506.0

Short-term borrowings

Short-term borrowings	12 Months Ended
Short-term borrowings	Mar. 31, 2022
Short-term borrowings	15. Short-term borrowings Short-term borrowings are mainly comprised of money market borrowings which are unsecured and are utilized by the Bank for its operations. Short-term borrowings as of March 31, 2021 and March 31, 2022 were comprised of the following: As of March 31, 2021 2022 2022 (In millions) Borrowed in the call market Rs. 8,860.5 Rs. 9,001.8 US$ 118.6 Term borrowings from institutions/banks 27,411.6 114,500.0 1,509.2 Foreign currency borrowings 202,992.0 430,665.8 5,676.4 Total Rs. 239,264.1 Rs. 554,167.6 US$ 7,304.2 Total borrowings outstanding: Maximum amount outstanding Rs. 384,035.9 Rs. 805,872.6 US$ 10,621.8 Average amount outstanding Rs. 223,582.3 Rs. 377,877.2 US$ 4,980.6 Weighted average interest rate 1.4 % 1.6 % 1.6 %

Long-term debt

Long-term debt	12 Months Ended
Long-term debt	Mar. 31, 2022
Long-term debt	16. Long-term debt Long-term debt as of March 31, 2021 and March 31, 2022 was As of March 31, 2021 2022 2022 (In millions) Subordinated debt Rs. 211,270.0 Rs. 259,452.5 US$ 3,419.7 Others* 964,014.9 1,295,854.3 17,079.9 Less: Debt issuance cost (526.7 ) (973.4 ) (12.8 ) Total Rs. 1,174,758.2 Rs. 1,554,333.4 US$ 20,486.8 * Includes securities sold under repurchase agreements amounting to Rs. 90,200.0 million with a stated interest rate of 4.0% per annum and Rs. 90,200 m s under RBI long-term repo operation with a three- year maturity period. The below table presents the balance of long-term debt as of March 31, 2021 and March 31, 2022 and the related contractual rates and maturity dates: As of March 31, 2021 March 31, 2022 Maturity / Call dates Stated interest rates Total Maturity / Call dates Stated interest rates Total Total (In millions) Subordinated debt Subordinated debt (other than perpetual debt) 2022-2031 7.35% to 10.20% Rs. 126,240.0 2023-2031 7.35% to 10.20% Rs. 89,759.4 US$ 1,183.1 Perpetual debt—(1) 2023-2030 8.84% to 9.70% 84,976.1 2023-2030 7.55% to 9.70% 93,848.2 1,237.0 Perpetual debt—(2) — — — 2027 3.70% 75,216.3 991.4 Others* Variable rate—(1) 2022-2024 0.11% to 1.33% 50,935.8 2023-2024 1.40% to 1.80% 40,045.9 527.8 Variable rate—(2) 2022-2025 5.90% to 7.75% 97,418.0 2023-2027 4.40% to 6.90% 82,243.1 1,083.9 Fixed rate 2022-2032 2.80% to 9.56% 815,188.3 2023-2030 2.80% to 9.21% 1,173,220.5 15,463.6 Total Rs. 1,174,758.2 Rs. 1,554,333.4 US$ 20,486.8 * Variable rate—( 1) and Perpetual debt—(2) represent T-bill The scheduled maturities of long-term debt are set out below: As of March 31, 2022 (In millions) Due in the fiscal year ending March 31: 2023 Rs. 246,509.4 US$ 3,249.1 2024 569,939.4 7,512.1 2025 247,262.4 3,259.0 2026 38,998.9 514.0 2027 90,990.6 1,199.3 Thereafter 191,568.2 2,525.0 Total (1) Rs. 1,385,268.9 US$ 18,258.5 (1) The scheduled maturities of long-term debt do not include perpetual bonds of Rs. 169,064.5 During the year ended March 31, 2022 the Bank issued subordinated debt amounting to nil (previous period Rs. 3,565.0 million) and perpetual debt amounting to 84,682.5 million , As of March 31, 2021 and March 31, 2022, other long-term debt includes foreign currency borrowings from other banks aggregating to Rs. 51,188.9 million and Rs. 40,170.0 million, respectively, and functional currency borrowings aggregating to Rs. 912,826.0 million and Rs. 1,255,684.3 million, respectively.

Accrued expenses and other liab

Accrued expenses and other liabilities	12 Months Ended
Accrued expenses and other liabilities	Mar. 31, 2022
Accrued expenses and other liabilities	17. Accrued expenses and other liabilities Accrued expenses and other liabilities include the amounts set forth below: As of March 31, 2021 2022 2022 (In millions) Bills payable Rs. 124,241.9 Rs. 130,937.4 US$ 1,725.8 Remittances in transit 54,657.2 91,766.3 1,209.5 Accrued expenses 69,103.2 58,522.2 771.3 Accounts payable 143,827.0 152,309.2 2,007.5 Derivatives ( see 81,880.0 74,819.2 986.1 Lease liabilities 70,422.0 78,138.0 1,029.9 Others 86,965.1 94,969.2 1,251.8 Total Rs. 631,096.4 Rs. 681,461.5 US$ 8,981.9 The Bank amortizes annual fees on credit cards over the contractual period of the fees. The unamortized annual fees as of March 31, 2021 and March 31, 2022 were

Accumulated other comprehensive

Accumulated other comprehensive income	12 Months Ended
Accumulated other comprehensive income	Mar. 31, 2022
Accumulated other comprehensive income	18. Accumulated other comprehensive income The below table presents the changes in accumulated other comprehensive income (“OCI”) after income tax for the years ended March 31, 2021 and March 31, 2022. Available for sale securities Foreign currency translation reserve Total (In millions) Balance, March 31, 2020 Rs. 49,225.4 Rs. 3,106.2 Rs. 52,331.6 Net unrealized gain/(loss) arising during the period (740.6 ) (1,132.8 ) (1,873.4 ) Amounts reclassified to income (23,271.9 ) — (23,271.9 ) Balance, March 31, 2021 Rs. 25,212.9 Rs. 1,973.4 Rs. 27,186.3 Balance, March 31, 2021 Rs. 25,212.9 Rs. 1,973.4 Rs. 27,186.3 Net unrealized gain/(loss) arising during the period (36,088.6 ) 1,297.5 (34,791.1 ) Amounts reclassified to income (10,187.7 ) — (10,187.7 ) Balance, March 31, 2022 Rs. (21,063.4 ) Rs. 3,270.9 Rs. (17,792.5 ) Balance, March 31, 2022 US$ (277.6 ) US$ 43.1 US$ (234.5 ) The below table presents the reclassification out of accumulated other comprehensive income (OCI) by income line item and the related income tax effect for years As of March 31, 2021 2022 2022 (In millions) Available for sale debt securities: Realized (gain)/loss on sales of available for sale debt securities, net Rs. (34,014.8 ) Rs. (10,699.4 ) US$ (141.0 ) Allowance on available for sale debt securities 2,915.1 (2,915.1 ) (38.4 ) Total before income tax Rs. (31,099.7 ) Rs. (13,614.5 ) US$ (179.4 ) Income tax 7,827.8 3,426.8 45.1 Net of income tax Rs. (23,271.9 ) Rs. (10,187.7 ) US$ (134.3 )

Non-interest revenue

Non-interest revenue	12 Months Ended
Non-interest revenue	Mar. 31, 2022
Non-interest revenue	19. Non-interest Revenue Recognition Deposit-related fees Deposit-related fees consist of fees earned on consumer deposit activities and are generally recognized when the transaction occurs or as the service is performed. Consumer fees are earned on consumer deposit accounts for account maintenance and various transaction-based services, such as ATM transactions, wire transfer activities, check and money order processing, standing instruction processing, cash management services, etc. Lending-related fees Lending-related fees generally represent transactional fees earned from certain loan related services, guarantees and letters of credit (LCs). Third-party products-related fees Third-party products related fees consist of fees earned from distribution of third party products such as insurance and mutual funds. Payments and cards business fees Payments and cards business fees include fees earned from merchant acquiring business and on Credit, Debit, Prepaid or Forex cards, among others. Cards business income includes annual and renewal fees, late and over-limit fees, currency conversion fees, as well as fees earned from interchange, cash advances and other miscellaneous transactions fees. Interchange fees are recognized upon settlement of the credit and debit card payment transactions and are generally determined on a percentage basis for credit and debit cards based on the corresponding payment network’s rates. Substantially all cards business related fees are recognized at the transaction date, except for certain time-based fees such as annual fees, which are recognized over 12 months. Payments business fees include fees earned from merchants net of interchange expenses paid to issuing banks, rentals from point-of-sale machines and merchant service charges. F-50 The table below presents the fees and commissions disaggregated by revenue source for the years ended March 31, 2020, March 31, 2021 and March 31, 2022. Fiscal years ended March 31, 2020 2021 2022 2022 (In millions) Deposit related fees Rs. 29,031.9 Rs. 28,150.4 Rs. 37,415.4 US$ 493.2 Lending related fees 30,699.9 30,973.1 40,532.5 534.2 Third-party products related fees 28,169.6 35,733.0 44,216.1 582.8 Payments and cards business fees 58,899.3 50,758.2 56,170.2 740.3 Others 13,298.8 19,795.7 24,645.3 324.9 Fees and commissions Rs. 160,099.5 Rs. 165,410.4 Rs. 202,979.5 US$ 2,675.4 The table below presents the fees and commission disaggregated by segment for the years ended March 31, 2020, March 31, 2021 and March 31, 2022. Fiscal year ended March 31, 2020 2021 2022 2022 (In millions) Retail Banking Rs. 146,855.7 Rs. 153,018.2 Rs. 182,464.1 US$ 2,405.0 Wholesale Banking 13,041.6 11,712.7 19,802.0 261.0 Treasury Services 202.2 679.5 713.4 9.4 Fees and commissions Rs. 160,099.5 Rs. 165,410.4 Rs. 202,979.5 US$ 2,675.4

Income taxes

Income taxes	12 Months Ended
Income taxes	Mar. 31, 2022
Income taxes	20. Income taxes Income tax expense is comprised of the following: Fiscal year ended March 31, 2020 2021 2022 2022 (In millions) Current tax expense Rs. 105,587.8 Rs. 122,087.4 Rs. 142,446.5 US$ 1,877.5 Deferred tax (benefit) expense (101.2 ) (8,267.3 ) (9,887.3 ) (130.3 ) Interest on income tax refund (6.6 ) — — — Income tax expense Rs. 105,480.0 Rs. 113,820.1 Rs. 132,559.2 US$ 1,747.2 Income tax expense (benefit) for the year ended March 31, 2021 was recorded (i) in retained earnings for the income tax effect of adopting ASU 2016-13 million and (ii) in other comprehensive income in the amount of Rs. million. Income tax expense (benefit) recorded in other comprehensive income was million for the year ended March 31, 2022. Income before income tax expense and income tax expense are substantially all from India. On December 12, 2019, the India Taxation Laws (Amendment) Act 2019, was promulgated, which provided domestic companies with an option to pay income tax at the rate of 22 percent (previously 30 percent), provided they do not claim certain deductions under the Income Tax Act with effect from the fiscal year 2019-20.The Bank elected to be subject to the 22 percent rate including surcharge and education cess).The Bank has accounted for the effect of this change in the income tax rate during the year ended March 31, 2020 using reasonable estimates based on information available at the time and its interpretations of the law thereof, effective from fiscal year 2019-20. The following is a reconciliation of income taxes at the Indian statutory income tax rate to income tax expense as reported: Fiscal year ended March 31, 2020 2021 2022 2022 (In millions) Income before income tax expense Rs. 365,844.0 Rs. 439,826.5 Rs. 519,162.2 US$ 6,842.6 Statutory income tax rate 25.17 % 25.17 % 25.17 % 25.17 % Expected income tax expense 92,075.6 110,695.5 130,662.7 1,722.2 Adjustments to reconcile expected income tax to actual income tax expense Interest on income tax refund (4.9 ) — — — Stock-based compensation 1,881.6 2,668.7 3,493.1 46.0 Income subject to rates other than the — — (2,347.6 ) (30.9 ) Income exempt from taxes (744.2 ) (62.3 ) — — Effect of change in statutory income tax rate 11,213.2 — — — Others, net 1,058.7 518.2 751.0 9.9 Income tax expense Rs. 105,480.0 Rs. 113,820.1 Rs. 132,559.2 US$ 1,747.2 The tax effects of significant temporary differences are as follows: As of March 31, 2021 2022 2022 (In millions) Tax effect of: Deductible temporary differences: Allowance for loan losses Rs. 67,584.1 Rs. 79,821.5 US$ 1,052.1 Investments available for sale debt securities — 6,997.0 92.2 Lease liabilities 17,723.8 19,745.8 260.3 Employee benefits 752.3 728.1 9.6 Accrued expenses and other liabilities 4,997.1 3,772.1 49.7 Others 1,904.4 2,158.9 28.4 Deferred tax asset 92,961.7 113,223.4 1,492.3 Taxable temporary differences: Right-of-use 17,723.8 19,745.8 260.3 Investments available for sale debt securities 8,567.9 — — Loan origination cost and fees 3,456.0 5,024.1 66.2 Investments, others 2,874.2 3,097.2 40.8 Deferred tax liability 32,621.9 27,867.1 367.3 Net deferred tax asset (liability) Rs. 60,339.8 Rs. 85,356.3 US$ 1,125.0 Management believes that the realization of the recognized deferred tax assets is more likely than not and the realization is based on a combination of reversing taxable temporary differences and expectations as to future pretax income. The total unrecognized tax benefit as of March 31, 2021 and March 31, 2022 is Rs. 43,048.0 million and Rs. 46,774.3 million, respectively. The major income tax jurisdiction for the Bank is India. The open tax years (first assessment by the tax authorities) are pending from fiscal year 2019 onwards. However, appeals filed by the Bank are pending with various local tax authorities in India for earlier tax years. A reconciliation of the beginning and ending balance of unrecognized tax benefits is as follows: Fiscal year ended March 31, 2021 2022 202 2 (In millions) Opening balance Rs. 37,103.2 Rs. 43,048.0 US$ 567.4 Settlements related to prior year tax positions (221.5 ) (1,985.0 ) (26.2 ) Increase related to prior year tax positions 892.8 — — Increase related to current year tax positions Rs. 5,273.5 Rs. 5,711.3 US$ 75.3 Closing balance Rs. 43,048.0 Rs. 46,774.3 US$ 616.5 The Bank’s total unrecognized tax benefits, if recognized, would reduce the income tax expense by Rs. 43,048.0 million and Rs. 46,774.3 million as of March 31, 2021 and March 31, 2022, respectively, and thereby would affect the Bank’s effective tax rate. All of the Bank’s unrecognized tax benefits are presented as unrecognized refund claims. Significant changes in the amount of unrecognized tax benefits within the next 12 months cannot be reasonably estimated as the changes would depend upon the progress of tax examinations with various tax authorities.

Stock-based compensation

Stock-based compensation	12 Months Ended
Stock-based compensation	Mar. 31, 2022
Stock-based compensation	21. Stock-based compensation By way of an ordinary resolution on July 12, 2019, the shareholders of the Bank approved a subdivision (stock split) of the Bank’s equity shares to reduce the face value of each equity share from Rs. 2.0 to Rs. 1.0 per equity share effective as of September 20, 2019. The number of issued and subscribed equity shares increased to 5,470,763,894 shares of par value Rs. 1.0 each. All share/ADS and per share/ADS data reflect the effect of the stock split retroactively. One ADS continues to represent three equity shares. The stock-based compensation plans of the Bank are as follows: Employees Stock Option Scheme (“ESOP”) The shareholders of the Bank approved in January 2000 Plan “A”, in June 2003 Plan “B”, in June 2005 Plan “C”, in June 2007 Plan “D”, in June 2010 Plan “E”, in June 2013 Plan “F” and 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” , of Plan A provides for the issuance of options at the recommendation of the Nomination and Remuneration Committee of the Board (the “NRC”) at an average of the daily closing prices on the BSE Limited during the 60 days preceding the date of grant of options, which was the minimum prescribed option price under regulations then issued by the Securities and Exchange Board of India (“SEBI”). Presently, there are no stock options issued and outstanding under Plan A. Plan B, Plan C, Plan D, Plan E, Plan F and Plan G provide for the issuance of options at the recommendation of the NRC at the closing price on the working day immediately preceding the date when options are granted. For Plan B the price is that quoted on an Indian stock exchange with the highest trading volume during the preceding two weeks, while for Plan C, Plan D, Plan E, Plan F and Plan G, the price is that quoted on an Indian stock exchange with the highest trading volume as of the working day preceding the date of grant. Presently, there are no stock options issued and outstanding under Plan B. Such options vest at the discretion of the NRC. These options are exercisable for a period following vesting at the discretion of the NRC, subject to a maximum of five years, as set forth at the time of the grant. On August 3, 2019 the Nomination and Remuneration Committee of the Board approved, under Plan G, the grant of 578,000 options (Scheme XXXII) to the employees of the Bank. On October 19, 2019 , , , , , . Modification of employee stock option schemes During the years 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, 2020 2021 2022 Dividend yield 0.61%-0.85% 0.61% 0.43%-0.46% Expected volatility 15.30%-20.13% 20.13%-28.93% 21.71%-31.79% Risk-free interest rate 5.81%-6.70% 4.63%-5.75% 4.99%-6.43% Expected term (in years) 2.82-5.42 2.65-5.43 2.59-5.36 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 year ending March 31, 2020 2021 2022 Options available to be granted, beginning of period 202,413,370 159,487,350 104,694,170 Equity shares allocated for grant under the plan — — — Options granted (47,773,600 ) (57,466,600 ) (25,628,600 ) Forfeited/lapsed 4,847,580 2,673,420 2,926,850 Options available to be granted, end of period 159,487,350 104,694,170 81,992,420 Activity in the options outstanding under the employee stock option scheme is as follows: Years ended March 31, 2020 2021 2022 Options Weighted average exercise price Options Weighted average exercise price Options Weighted average exercise price Options outstanding, beginning of period 136,612,822 Rs. 682.99 142,865,602 Rs. 899.03 168,168,760 Rs. 1,063.79 Granted 47,773,600 1,220.13 57,466,600 1,235.80 25,628,600 1,427.29 Exercised (36,673,240 ) 504.10 (29,490,022 ) 596.85 (32,764,494 ) 796.52 Forfeited (4,813,580 ) 965.64 (2,032,110 ) 1,163.29 (2,639,100 ) 1,231.84 Lapsed (34,000 ) 568.10 (641,310 ) 929.57 (287,750 ) 870.34 Options outstanding, end of period 142,865,602 Rs. 899.03 168,168,760 Rs. 1,063.79 158,106,016 Rs. 1,175.65 Options exercisable, end of period 64,464,392 Rs. 638.18 64,453,260 Rs. 834.48 65,321,116 Rs. 1,036.49 Weighted average fair value of options granted during the year Rs. 305.78 Rs. 320.42 Rs. 415.12 The following summarizes information about stock options outstanding as of March 31, 2022: As of March 31, 2022 Plan Range of exercise price Number of shares arising out of options Weighted average remaining life (years) Weighted average exercise price Plan F Rs. 417.75 to Rs. 731.08 (or US$ 5.51 to US$ 9.64) 17,564,766 1.07 666.77 Plan G Rs. 882.85 to Rs. 1,516.95 (or US$ 11.64 to US$ 19.99) 140,541,250 2.70 1,239.25 The intrinsic value, of options exercised during the years ended March 31, 2020, March 31, 2021 and March 31, 2022 at the grant date was nil, and at the exercise date was Rs. 13,339.6 million, Rs. 26,446.8 million and Rs. 22,077.7 million, respectively. The aggregate intrinsic value as of the grant date and as at March 31, 2022 attributable to options which are outstanding as on March 31, 2022 was Rs. 2.7 million (previous year Rs. 0.5 million) and Rs. 46,605.0 million (previous year Rs. 72,288.5 million), respectively. The aggregate intrinsic value as at the grant date and as at March 31, 2022 attributable to options exercisable as on March 31, 2022 was Rs. 0.5 million (previous year 0.5 million) and was Rs. 28,340.0 million (previous year Rs. 42,485.6 million), respectively. Total stock compensation cost recognized under these plans was Rs. 7,476.1 million, Rs. 10,603.5 million and Rs. 13,874.5 million during the years ended March 31, 2020, March 31, 2021 and March 31, 2022, respectively. However, no income tax benefit is recognized with respect to the said stock compensation costs. As of March 31, 2022, there were 92,784,900 unvested options (previous year 103,715,500) with weighted average exercise price of Rs. 1,273.6 (previous year Rs. 1,206.3) and the aggregate intrinsic value at the grant date and as at March 31, 2022 was Rs. 2.1 million (previous year nil) and Rs. 18,265.0 million (previous year Rs. 29,802.9 million), respectively. As at March 31, 2022, the total estimated compensation cost to be recognized in future periods was Rs. 14,999.2 million. This is expected to be recognized over a weighted average period of 1.01 years.

Retirement benefits

Retirement benefits	12 Months Ended
Retirement benefits	Mar. 31, 2022
Retirement benefits	22. Retirement benefits Gratuity In accordance with Indian law, the Bank provides for gratuity, a defined benefit retirement plan, covering eligible employees. The plan provides for lump sum payments to vested employees at retirement, resignation, death while in employment or on termination of employment in an amount equivalent to 15 days’ eligible salary payable for each completed year of service. Vesting occurs upon completion of five years of service. The Bank makes annual contributions to funds administered by trustees and managed by insurance companies for amounts notified by said insurance companies, and in respect of certain employees, the Bank makes contributions to a fund set up for the purpose and administered by the board of trustees. The contributions are invested in specific designated instruments as permitted by Indian law. The Bank accounts for the liability for future gratuity benefits using the projected unit cost method based on an actuarial valuation done on March 31 of every year. The following table sets out the funded status of the gratuity plan and the amounts recognized in the Bank’s financial statements as of March 31, 2021 and March 31, 2022: As of March 31, 2021 2022 2022 (In millions) Change in benefit obligations: Projected benefit obligation (“PBO”), beginning of the period Rs. 7,883.0 Rs. 9,819.6 US$ 129.4 Service cost 1,107.0 1,268.0 16.7 Interest cost 561.6 631.2 8.3 Actuarial(gains)/ losses 759.4 (260.6 ) (3.4 ) Benefits paid (491.4 ) (769.5 ) (10.1 ) Projected benefit obligation, end of the period 9,819.6 10,688.7 140.9 Change in plan assets: Fair value of plan assets, beginning of the period 5,779.8 8,344.6 110.1 Expected return on plan assets 448.4 574.1 7.6 Actuarial gains/(losses) 1,223.0 237.1 3.1 Actual return on plan assets 1,671.4 811.2 10.7 Employer contributions 1,384.8 1,633.0 21.5 Benefits paid (491.4 ) (769.5 ) (10.1 ) Fair value of plan assets, end of the period 8,344.6 10,019.3 132.2 Funded Status Rs. (1,475.0 ) Rs. (669.4 ) US$ (8.8 ) The Bank’s expected contribution to the gratuity fund for the next fiscal year is estimated at Rs. 1,804.6 million. The accumulated benefit obligation as of March 31, 2021 and March 31, 2022 was Rs. 5,455.6 million and Rs. 6,914.8 million, respectively. The vested accumulated benefit obligation as on March 31, 2021 and March 31, 2022 was Rs. 4,727.7 million and Rs. 6,397.4 million, respectively. Net gratuity cost for the years ended March 31, 2020, March 31, 2021 and March 31, 2022 was comprised of the following components: Fiscal years ended March 31, 2020 2021 2022 2022 (In millions) Service cost Rs. 965.4 Rs. 1,107.0 Rs. 1,268.0 US$ 16.7 Interest cost 483.3 561.6 631.2 8.3 Expected return on plan assets (389.9 ) (448.4 ) (574.1 ) (7.6 ) Actuarial (gains)/losses 989.4 (463.6 ) (497.7 ) (6.5 ) Net gratuity cost Rs. 2,048.2 Rs. 756.6 Rs. 827.4 US$ 10.9 The assumptions used in accounting for the gratuity plan are set out below: Fiscal years ended March 31, 2020 2021 2022 (% per annum) Discount rate* 6.0-7.5 4.4-7.0 5.1-7.3 Rate of increase in compensation levels of covered employees 7.0-8.0 5.0-9.0 6.0-11.0 Rate of return on plan assets 6.0-7.0 4.4-7.0 5.1-7.0 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) 2023 Rs. 1,360.9 2024 1,203.2 2025 992.8 2026 1,006.3 2027 1,021.9 2028 - 2032 3,409.9 The expected benefit payments are based on the same assumptions used to measure the Bank’s benefit obligations as of March 31, 2022. 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 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, 2022, the plan assets as a percentage of the total funds were as follows: As of March 31, 2022 Funds managed by insurance company (1)* Funds managed by insurance company (2)* Funds managed by trust Government securities 79.5 % 25.9 % 26.9 % Debenture and bonds 14.0 % 23.9 % 23.4 % Equity securities 5.7 % 44.7 % — Other 0.8 % 5.5 % 49.7 % Total 100.0 % 100.0 % 100.0 % * The data pertaining to plan investment assets measured at fair value by level and total at March 31, 2022 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 one-time lock-in-period , The following table sets out the funded status of the pension plan and the amounts recognized in the Bank’s financial statements as of March 31, 2021 and March 31, 2022: As of March 31, 2021 2022 2022 (In millions) Change in benefit obligations: Projected benefit obligation (“PBO”), beginning of the period Rs. 598.2 Rs. 862.0 US$ 11.4 Plan amendment (prior service cost) — 76.9 1.0 Service cost 14.6 16.1 0.2 Interest cost 37.7 55.8 0.7 Actuarial (gains)/losses 327.9 34.4 0.5 Benefits paid (116.4 ) (204.3 ) (2.7 ) Projected benefit obligation, end of the period 862.0 840.9 11.1 Change in plan assets: Fair value of plan assets, beginning of the period 95.2 3.3 — Expected return on plan assets 3.2 0.4 — Actuarial gains/(losses) (1.7 ) 2.3 0.1 Actual return on plan assets 1.5 2.7 0.1 Employer contributions 23.0 207.0 2.7 Benefits paid (116.4 ) (204.3 ) (2.7 ) Fair value of plan assets, end of the period 3.3 8.7 0.1 Funded Status Rs. (858.7 ) Rs. (832.2 ) US$ (11.0 ) The Bank’s expected contribution to the pension fund for the next fiscal year is estimated at Rs. 188.6 million. The accumulated benefit obligation as of March 31, 2021 and March 31, 2022 was Rs. 364.2 million and Rs. 354.6 million, respectively. The vested accumulated benefit obligation as of March 31, 2021 and March 31, 2022 was Rs. 362.9 million and Rs. 353.8 million, respectively. Net pension cost for the years ended March 31, 2020, March 31, 2021 and March 31, 2022 was comprised of the following components: As of March 31, 2020 2021 2022 2022 (In millions) Service cost Rs. 6.5 Rs. 14.6 Rs. 93.0 US$ 1.2 Interest cost 45.3 37.7 55.8 0.7 Expected return on plan assets (11.0 ) (3.2 ) (0.4 ) — Actuarial (gains)/losses 12.4 329.6 32.1 0.4 Net pension cost Rs. 53.2 Rs. 378.7 Rs. 180.5 US$ 2.3 The assumptions used in accounting for the pension plan are set out below: Fiscal years ended March 31, 2020 2021 2022 (% per annum) Discount rate* 7.5 7.0 7.3 Rate of increase in compensation levels of covered employees 7.0 7.0 7.0 Rate of return on plan assets 7.0 6.5 6.5 Mortality rates used are based on the published “Indian Assured Lives Mortality (2012-2014) Ultimate” table. * Weighted average assumptions used to determine both benefit obligations and net periodic benefit cost. The following benefit payments, which include benefits attributable to expected future service, as appropriate, are expected to be paid. Year ending March 31, Benefit payments (In millions) 2023 Rs. 140.2 2024 147.6 2025 134.1 2026 45.5 2027 49.7 2028-2032 717.5 The expected benefits are based on the same assumptions used to measure the Bank’s benefit obligations as of March 31, 2022. 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 said plan assets for the pension benefits as at March 31, 2022 is as follows: Asset category Funds managed by trust Government securities 90.8 % Debenture and bonds 9.2 % Other — % Total 100.0 % For information on fair value measurements, including descriptions of Levels 1, 2 and 3 of the fair value hierarchy and the valuation methods employed by the Bank, see note 30 –Fair value measurements. Plan investment assets for gratuity funds and the pension fund measured at fair value by level and in total as of March 31, 2021 and March 31, 2022 are summarized in the table below. As of March 31, 2021 As of March 31, 2022 Level 1 Level 2 Level 3 Level 1 Level 2 Level 3 (In millions) Funds managed by insurance company (1) Rs. — Rs. — Rs. 664.1 Rs. — Rs. — Rs. 779.8 Funds managed by insurance company (2) — 7,445.5 — — 9,016.0 — Funds managed by trust — Government securities — 87.6 — — 68.1 — — Debenture and bonds — 123.5 — — 53.0 — — Others 27.2 — — 111.1 — — Total Rs. 27.2 Rs. 7,656.6 Rs. 664.1 Rs. 111.1 Rs. 9,137.1 Rs. 779.8 US$ 1.5 US$ 120.4 US$ 10.3 The table below presents a reconciliation of all Plan investment assets measured at fair value using significant unobservable inputs (Level 3) during fiscal years 2021 and 2022. Funds managed by Insurance companies as of March 31, 2021 2022 2022 (In millions) Particulars Opening balance Rs. 600.2 Rs. 664.1 US$ 8.8 Realized interest credited to fund 60.5 48.1 0.6 Contribution during the period 104.5 131.1 1.7 Amount paid towards claim (101.1 ) (63.5 ) (0.8 ) Closing balance Rs. 664.1 Rs. 779.8 US$ 10.3 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 incurred Rs. 1,269.9 million, Rs. 1,513.7 million and Rs. 1,795.3 million towards superannuation expense for the years ended March 31, 2020, March 31, 2021 and March 31, 2022, 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 , 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. 4,901.4 million, Rs. 5,429.6 million and Rs. 6,844.7 million to the Provident Fund Trust and Regional Provident Fund Commissioner for the years ended March 31, 2020, March 31, 2021 and March 31, 2022, 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 above-mentioned 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 was 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. 46.3 million and Rs. 57.2 million to the National Pension Scheme for the fiscal years ended March 31, 2021 and March 31, 2022, respectively. Compensated absences The Bank has provided for unutilized leave balances as on March 31, 2022 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, 2022
Financial instruments	23. Financial instruments Foreign exchange and derivative contracts The Bank enters into forward exchange contracts, currency options, forward rate agreements, currency swaps and rupee interest rate swaps with inter-bank participants on its own account and for customers. These transactions enable customers to transfer, modify or reduce their foreign exchange and interest rate risks. Forward exchange contracts are commitments to buy or sell foreign currency at a future date at the contracted rate. Currency swaps are commitments to exchange cash flows by way of interest in one currency against another currency and exchange of principal amount at maturity based on predetermined rates. Interest rate swaps are commitments to exchange fixed and floating rate interest cash flows. A forward rate agreement gives the buyer the ability to determine the underlying rate of interest for a specified period commencing on a specified future date (the settlement date) when the settlement amount is determined being the difference between the contracted rate and the market rate on the settlement date. Currency options give the buyer the right, but not an obligation, to buy or sell specified amounts of currency at agreed rates of exchange on or before a specified future date. The market and credit risk associated with these products, as well as the operating risks, are similar to those relating to other types of financial instruments. Market risk is the exposure created by movements in interest rates and exchange rates during the tenure of the transaction. The extent of market risk affecting such transactions depends on the type and nature of the transaction, the value of the transaction and the extent to which the transaction is uncovered. Credit risk is the exposure to loss in the event of default by counterparties. The extent of loss on account of a counterparty default will depend on the replacement value of the contract at the ongoing market rates. The Bank uses its pricing models to determine the The following table presents the aggregate notional principal amounts of the Bank’s outstanding forward exchange and other derivative contracts as of March 31, 2021 and March 31, 2022, together with the fair value on each reporting date. As of March 31, 2021 Notional Gross Assets Gross Liabilities Net Fair Value (In millions) Interest rate derivatives Rs. 3,155,410.2 Rs. 32,217.2 Rs. 33,894.0 Rs. (1,676.8 ) Forward rate agreements 20,887.8 270.0 64.1 205.9 Currency options 202,402.7 1,078.7 1,510.7 (432.0 ) Currency swaps 237,081.5 8,126.4 4,940.8 3,185.6 Forward exchange contracts 4,964,726.6 42,714.4 41,470.4 1,244.0 Total Rs. 8,580,508.8 Rs. 84,406.7 Rs. 81,880.0 Rs. 2,526.7 As of March 31, 2022 Notional Gross Assets Gross Liabilities Net Fair Value Notional Net Fair Value (In millions) Interest rate derivatives Rs. 5,142,612.3 Rs. 28,564.1 Rs. 27,644.4 Rs. 919.7 US$ 67,781.9 US$ 12.1 Forward rate agreements 50,610.7 1,574.1 14.8 1,559.3 667.1 20.6 Currency options 434,371.3 1,845.1 2,439.5 (594.4 ) 5,725.2 (7.8 ) Currency swaps 308,757.4 10,463.6 4,312.3 6,151.3 4,069.6 81.1 Forward exchange contracts 6,551,871.8 37,755.4 40,408.2 (2,652.8 ) 86,356.6 (35.0 ) Total Rs. 12,488,223.5 Rs. 80,202.3 Rs. 74,819.2 Rs. 5,383.1 US$ 164,600.4 US$ 71.0 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– Derivatives for the years ended March 31, 2020 2021 2022 2022 (In millions) Interest rate derivatives Rs. (2,572.2 ) Rs. 773.9 Rs. 3,207.7 US$ 42.3 Forward rate agreements — 205.9 1,374.1 18.1 Currency options 585.5 1,191.1 167.3 2.2 Currency swaps 3,465.5 (3,309.2 ) (1,682.0 ) (22.2 ) Forward exchange contracts 2,071.2 (2,114.7 ) (1,645.1 ) (21.7 ) Total gains/(losses) Rs. 3,550.0 Rs. (3,253.0 ) Rs. 1,422.0 US$ 18.7 Offsetting The following table shows the impact of netting arrangements on derivative financial instruments, repurchase and reverse repurchase agreements that are subject to enforceable master netting arrangements or similar agreements, but are not offset in accordance with ASC 210-20-45 815-10-45. The Bank enters into International Swaps and Derivatives Association, Inc. (“ISDA”) master netting agreements or similar agreements with substantially all of the Bank’s foreign exchange and derivative contract counterparties. These master netting agreements, give the Bank, in the event of default by the counterparty, the right to liquidate collaterals held or placed and to offset receivables and payables with the same counterparty. In the table below , 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 clearinghouse. Collaterals received or pledged are comprised 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, 2021 Amounts subject to enforceable netting arrangements Effects of offsetting on balance sheet Related amounts not offset Gross Amounts Amounts offset Net amounts reported in the balance sheet Financial instruments Financial collateral (1) Net amount (In millions) Financial assets Derivative assets Rs. 84,406.7 Rs. — Rs. 84,406.7 Rs. 55,002.7 Rs. 4,065.5 Rs. 25,338.5 Securities purchased under agreements to resell 270,060.0 — 270,060.0 — 270,060.0 — Financial liabilities Derivative liabilities Rs. 81,880.0 Rs. — Rs. 81,880.0 Rs. 55,002.7 Rs. 4,816.3 Rs. 22,061.0 Securities sold under repurchase agreements 356,059.2 — 356,059.2 — 356,059.2 — Long-term debt 90,200.0 — 90,200.0 — 90,200.0 — (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, 2022 Amounts subject to enforceable netting arrangements Effects of offsetting on balance sheet Related amounts not offset Gross Amounts Amounts offset Net amounts reported in the balance sheet Financial instruments Financial collateral (1) Net amount (In millions) Financial assets Derivative assets Rs. 80,202.3 Rs. — Rs. 80,202.3 Rs. 48,942.8 Rs. 8,022.9 Rs. 23,236.6 US$ 306.3 Securities purchased under agreements to resell 373,053.3 — 373,053.3 — 373,053.3 — — Financial liabilities Derivative liabilities Rs. 74,819.2 Rs. — Rs. 74,819.2 Rs. 48,942.8 Rs. 1,697.2 Rs. 24,179.2 US$ 318.7 Securities sold under repurchase agreements 151,844.9 — 151,844.9 — 151,844.9 — — Long Term debt 90,200.0 — 90,200.0 — 90,200.0 — — (1) Comprised of securities and cash collaterals. These amounts are limited to the asset/liability balance, and accordingly, do not include excess collateral received/pledged. Guarantees As a part of its commercial banking activities, the Bank has issued guarantees and documentary credits, such as letters of credit, to enhance the credit standing of its customers. These generally represent irrevocable assurances that the Bank will make payments in the event that the customer fails to fulfill its financial or performance obligations. Financial guarantees are obligations to pay a third-party beneficiary where a customer fails to make payment towards a specified financial obligation. Performance guarantees are obligations to pay a third-party beneficiary where a customer fails to perform a non-financial case-by-case day The credit risk associated with these products, as well as the operating risks, is similar to those relating to other types of financial instruments. In accordance with FASB ASC 460-10, Details of guarantees and documentary credits outstanding are set out below: As of March 31, 2021 2022 2022 (In millions) Nominal values: Bank guarantees: Financial guarantees Rs. 334,040.8 Rs. 422,406.2 US$ 5,567.5 Performance guarantees 421,162.2 417,227.2 5,499.2 Documentary credits 376,536.2 615,639.6 8,114.4 Total Rs. 1,131,739.2 Rs. 1,455,273.0 US$ 19,181.1 Estimated fair value: Guarantees Rs. (5,500.7 ) Rs. (5,760.7 ) US$ (75.9 ) Documentary credits (543.4 ) (822.8 ) (10.8 ) Total Rs. (6,044.1 ) Rs. (6,583.5 ) US$ (86.7 ) 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. 121.2 billion and Rs. 182.0 billion as of March 31, 2021 and March 31, 2022, 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. 628.3 billion and Rs. 730.9 billion (US$ 9.6 billion) as of March 31, 2021 and March 31, 2022, 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. 4,826.7 billion and Rs. 5,528.4 billion (US$ 72.9 billion) as of March 31, 2021 and March 31, 2022, respectively. The allowance for credit losses included in accrued expenses and other liabilities on Off-Balance As of March 31, 2021 2022 2022 (In millions) Allowance for credit losses, beginning of the period Rs. 3,226.8 Rs. 5,581.5 US$ 73.6 Impact of Adoption of ASC 326 2,296.6 — — Provision for credit exposures 58.1 506.1 6.7 Allowance for credit losses, end of the period Rs. 5,581.5 Rs. 6,087.6 US$ 80.3

Estimated fair value of financi

Estimated fair value of financial instruments	12 Months Ended
Estimated fair value of financial instruments	Mar. 31, 2022
Estimated fair value of financial instruments	24. Estimated fair value of financial instruments The Bank’s financial instruments include financial assets and liabilities recorded on the balance sheet, including instruments such as foreign exchange and derivative contracts. Management uses its best judgment in estimating the fair value of the Bank’s financial instruments; however, there are inherent weaknesses in any estimation technique. Therefore, for substantially all financial instruments, the fair value estimates presented herein are not necessarily indicative of all the amounts the Bank could have realized in a sales transaction as of March 31, 2021 and March 31, 2022, respectively. The estimated fair value amounts as of March 31, 2021 and March 31, 2022 have been measured as of the respective year ends, and have not been re-evaluated A comparison of the fair value and carrying value of financial instruments is set out below: As of March 31, 2021 March 31, 2022 Estimated fair value Estimated fair value Carrying value Level 1 Level 2 Level 3 Total Carrying value Level 1 Level 2 Level 3 Total Carrying Estimated fair value (In millions) Financial Assets: Cash and due from banks, and restricted cash Rs. 930,694.7 Rs. 930,694.7 Rs. — Rs. — Rs. 930,694.7 Rs. 1,122,031.1 Rs. 1,122,031.1 Rs. — Rs. — Rs. 1,122,031.1 US$ 14,788.9 US$ 14,788.9 Investments held for trading 99,620.2 — 99,620.2 — 99,620.2 53,199.5 304.1 52,895.4 — 53,199.5 701.2 701.2 Investments available for sale debt securities 4,275,449.9 176,015.8 3,938,270.2 161,163.9 4,275,449.9 4,388,563.1 174,680.3 4,069,988.1 143,894.7 4,388,563.1 57,843.2 57,843.2 Securities purchased under agreements to resell 270,060.0 — 270,060.0 — 270,060.0 373,053.3 — 373,053.3 — 373,053.3 4,917.0 4,917.0 Loans 11,700,189.2 — 2,807,875.9 9,066,940.1 11,874,816.0 14,036,872.2 — 3,311,277.1 10,976,971.8 14,288,248.9 185,012.2 188,325.4 Accrued interest receivable 118,762.9 — 118,762.9 — 118,762.9 134,467.7 — 134,467.7 — 134,467.7 1,772.3 1,772.3 Other assets 320,187.5 11,869.8 306,640.9 — 318,510.7 686,475.6 3,889.8 680,762.1 — 684,651.9 9,048.1 9,024.0 Financial Liabilities Interest-bearing deposits 11,226,467.8 — 11,282,540.2 — 11,282,540.2 13,197,979.7 — 13,240,403.7 — 13,240,403.7 173,955.2 174,514.3 Non-interest-bearing 2,110,762.4 — 2,110,762.4 — 2,110,762.4 2,382,052.2 — 2,382,052.2 — 2,382,052.2 31,396.5 31,396.5 Securities sold under repurchase agreements 356,059.2 — 356,059.2 — 356,059.2 151,844.9 — 151,844.9 — 151,844.9 2,001.4 2,001.4 Short-term borrowings 239,264.1 — 238,700.3 — 238,700.3 554,167.6 — 552,737.9 — 552,737.9 7,304.2 7,285.3 Accrued interest payable 77,969.1 — 77,969.1 — 77,969.1 82,412.8 — 82,412.8 — 82,412.8 1,086.2 1,086.2 Long-term debt 1,174,758.2 — 1,200,953.4 — 1,200,953.4 1,554,333.4 — 1,554,540.2 — 1,554,540.2 20,486.8 20,489.5 Accrued expenses and other liabilities 445,135.7 — 445,135.7 — 445,135.7 499,905.7 — 499,905.7 — 499,905.7 6,589.0 6,589.0

Segment information

Segment information	12 Months Ended
Segment information	Mar. 31, 2022
Segment information	25. 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, and 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. The wholesale banking segment includes unallocated tax balances and other items. Summarized segment information for the years ended March 31, 2020, March 31, 2021 and March 31, 2022: Fiscal year ended March 31, 2020 2021 Retail Banking Wholesale Banking Treasury Services Total Retail Banking Wholesale Banking Treasury Services Total (In millions) Net interest income/ Rs. 356,017.3 Rs. 204,725.8 Rs. 32,784.3 Rs. 593,527.4 Rs. 361,343.5 Rs. 278,431.0 Rs. 43,912.0 Rs. 683,686.5 Net interest income/ 127,065.9 (101,002.5 ) (26,063.4 ) — 176,420.0 (143,863.7 ) (32,556.3 ) — Net interest revenue 483,083.2 103,723.3 6,720.9 593,527.4 537,763.5 134,567.3 11,355.7 683,686.5 Less: Provision for credit 104,516.8 13,105.1 — 117,621.9 145,822.0 8,411.4 — 154,233.4 Net interest revenue, after 378,566.4 90,618.2 6,720.9 475,905.5 391,941.5 126,155.9 11,355.7 529,453.1 Non-interest 161,890.1 36,059.1 269.8 198,219.0 175,447.7 72,420.1 5,107.9 252,975.7 Non-interest (278,605.8 ) (27,774.0 ) (1,900.7 ) (308,280.5 ) (306,461.1 ) (34,238.4 ) (1,902.8 ) (342,602.3 ) Income before income tax Rs. 261,850.7 Rs. 98,903.3 Rs. 5,090.0 Rs. 365,844.0 Rs. 260,928.1 Rs. 164,337.6 Rs. 14,560.8 Rs. 439,826.5 Income tax expense Rs. 105,480.0 Rs. 113,820.1 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 Rs. 9,356,987.2 Rs. 7,011,959.9 Rs. 1,610,834.9 Rs. 17,979,782.0 Fiscal year ended March 31, 2022 Retail Banking Wholesale Banking Treasury Services Total Total (In millions) Net interest income/(expense) Rs. 418,823.0 Rs. 297,694.0 Rs. 32,322.5 Rs. 748,839.5 US$ 9,869.9 Net interest income/(expense) 141,001.2 (113,339.0 ) (27,662.2 ) — — Net interest revenue 559,824.2 184,355.0 4,660.3 748,839.5 9,869.9 Less: Provision for credit losses 122,622.6 4,356.9 — 126,979.5 1,673.6 Net 437,201.6 179,998.1 4,660.3 621,860.0 8,196.3 Non-interest 203,468.5 55,813.2 11,292.5 270,574.2 3,566.3 Non-interest (345,321.5 ) (25,544.1 ) (2,406.4 ) (373,272.0 ) (4,920.0 ) Income before income tax Rs. 295,348.6 Rs. 210,267.2 Rs. 13,546.4 Rs. 519,162.2 US$ 6,842.6 Income tax expense Rs. 132,559.2 US$ 1,747.2 Segment assets: Segment total assets Rs. 11,384,802.9 Rs. 8,106,671.0 Rs. 1,622,231.6 Rs. 21,113,705.5 US$ 278,287.9

Commitments and contingencies

Commitments and contingencies	12 Months Ended
Commitments and contingencies	Mar. 31, 2022
Commitments and contingencies	26. Commitments and contingencies Commitments and contingent liabilities other than for off balance sheet financial instruments (see note 23) 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, 2021 and March 31, 2022 aggregated Rs. 12,895.7 million and Rs. 21,115.5 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 primarily 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 at March 31, 2022 amounted to Rs. 9,226.0 million (previous year Rs. 10,203.1 million). The Bank does not expect the outcome of these proceedings to have a material adverse effect on the Bank’s results of operations, financial condition or cash flows. The Bank intends to vigorously defend these claims. Although the results of other legal actions cannot be predicted with certainty, it is the opinion of management, after taking appropriate legal advice, that the likelihood of these claims becoming obligations of the Bank is remote and hence the resolution of these actions will not have a material adverse effect, if any, on the Bank’s business, financial condition or results of operations. Lease commitments The Bank is party to operating leases for certain of its office premises and employee residences, with a renewal at the option of the Bank. Operating lease right-of-use As of March 31, 2021 2022 2022 (In millions) Right-of-use Rs. 64,548.8 Rs.71,572.2 US$ 943.4 Lease liabilities 70,422.0 78,138.0 1,029.9 The total lease expenses were as follows: As of March 31, 2020 2021 2022 2022 (In millions) The total minimum lease expense during the year recognized in the consolidated statement of income Rs. 13,698.7 Rs. 14,244.4 Rs.13,866.6 US$ 182.8 The total operating cash flow for operating lease expenses during the year ended March 31, 2021 and March 31, 2022 was Rs. 12,820.3 million and Rs. 14,295.7 million (US$ 188.4 million), respectively. The future minimum lease payments as of March 31, 2022 were as follows: Due in fiscal year ending March 31: Operating leases (In millions, except for weighted averages) 2023 Rs. 12,894.8 US$ 170.0 2024 11,818.6 155.8 2025 11,351.1 149.6 2026 11,029.9 145.4 2027 10,485.0 138.2 Thereafter 54,653.2 720.4 Total lease payments Rs. 112,232.6 US$ 1,479.4 Less: imputed interest 34,094.6 449.5 Total operating lease liabilities Rs. 78,138.0 US$ 1,029.9 Weighted average remaining lease term (in years) 9.7 9.7 Weighted average discount rate 7.0 % 7.0 % The Bank enters into lease agreements to obtain the right-of-use right-of-use re-measured Right-of-use right-of-use non-interest right-of-use non-interest COVID-19 Reward points The movement in provision for credit card and debit card reward points as of March 31, 2021 and March 31, 2022 is as follows: As of March 31, 2021 2022 2022 (In millions) Opening provision of reward points Rs. 7,341.5 Rs. 6,387.9 US$ 84.2 Provision made during the year 3,752.1 4,651.3 61.3 Utilization/write back of provision (4,026.7 ) (4,137.7 ) (54.5 ) Effect of change in rate of accrual of reward points (679.0 ) (542.4 ) (7.1 ) Closing provision of reward points Rs. 6,387.9 Rs. 6,359.1 US$ 83.9

Related party transactions

Related party transactions	12 Months Ended
Related party transactions	Mar. 31, 2022
Related party transactions	27. 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, 2021 2022 Principal owner Others Total Principal owner Others Total Total (In millions) Balances in non-interest-bearing Rs. 31,834.6 Rs. 9,732.0 Rs. 41,566.6 Rs. 20,695.1 Rs. 6,273.0 Rs. 26,968.1 US$ 355.5 Balances in interest-bearing deposits 3,772.1 1,830.5 5,602.6 6,719.8 875.0 7,594.8 100.1 Accrued expenses and other liabilities 1,110.5 — 1,110.5 641.4 — 641.4 8.5 Total Rs. 36,717.2 Rs. 11,562.5 Rs. 48,279.7 Rs. 28,056.3 Rs. 7,148.0 Rs. 35,204.3 US$ 464.1 Balances receivable from related parties are as follows: As of March 31, 2021 2022 Principal owner Others Total Principal owner Others Total Total (In millions) Loans Rs. — Rs. 10.6 Rs. 10.6 Rs. — Rs. 7.4 Rs. 7.4 US$ 0.1 Other assets 1,390.9 1,627.7 3,018.6 656.5 1,498.7 2,155.2 28.4 Total Rs. 1,390.9 Rs. 1,638.3 Rs. 3,029.2 Rs. 656.5 Rs. 1,506.1 Rs. 2,162.6 US$ 28.5 Purchase of property and equipment from related parties for the years ended March 31, 2021 and 2022 were nil. Purchase and sale of investments from Others for the year ended March 31, 2022 were Rs. 2,006.2 million (previous year Rs. 114.3 million) and Rs. 28,877.9 million (previous year Rs. 29,451.1 million), respectively. Investments of Others in the Bank’s subordinated debt for the year ended March 31, 2022 were Rs. 3,700.0 million (previous year Rs. 400.0 million). Included in the determination of net income are the following significant transactions with related parties: Fiscal year ended March 31, 2020 2021 2022 Principal owner Others Total Principal owner Others Total Principal owner Others Total Total (In millions) Non-interest Rs. 3,089.4 Rs. 17,001.7 Rs. 20,091.1 Rs. 3,246.5 Rs. 19,801.6 Rs. 23,048.1 Rs. 4,639.3 Rs. 22,939.5 Rs. 27578.8 US$ 363.5 Interest and Dividend — 1,194.2 1,194.2 — 552.5 552.5 — 0.1 0.1 — Interest expense-Deposits (85.3 ) (84.2 ) (169.5 ) (108.0 ) (171.3 ) (279.3 ) (204.3 ) (82.2 ) (286.5 ) (3.8 ) Non-interest (5,840.8 ) (3,119.6 ) (8,960.4 ) (5,874.4 ) (2,856.3 ) (8,730.7 ) (7,182.4 ) (4,558.9 ) (11,741.3 ) (154.8 ) Non-interest (25.8 ) (9.7 ) (35.5 ) (24.3 ) (5.2 ) (29.5 ) (19.2 ) — (19.2 ) (0.3 ) Other transactions with the Bank’s principal owner are as follows: During the years ended March 31, 2021 and March 31, 2022, the Bank purchased loans from the principal owner aggregating Rs. 189,797.8 million and Rs. 282,052.4 million, respectively. Dividends paid to the principal owner during the years ended March 31, 2021 and March 31, 2022 were nil and Rs. 5,620.0 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, 2022 was For contributions made to provident funds and pension funds set up by the Bank, see note 22– Retirement benefits.

Earnings per equity share

Earnings per equity share	12 Months Ended
Earnings per equity share	Mar. 31, 2022
Earnings per equity share	28. 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 ESOP with average outstanding balance of 24,224,032, 73,917,840 and 19,064,987 were excluded from the calculation of diluted earnings per share for the years ended March 31, 2020, March 31, 2021 and March 31, 2022, respectively, as these were anti-dilutive. As of March 31, 2020 2021 2022 Weighted average number of equity shares used in computing basic earnings per equity share 5,468,802,148 5,499,587,357 5,533,113,800 Effect of potential equity shares for stock options outstanding 36,990,405 23,890,989 30,366,023 Weighted average number of equity shares used in computing diluted earnings per equity share 5,505,792,553 5,523,478,346 5,563,479,823 The following are reconciliations of basic and diluted earnings per equity share and earnings per ADS. Fiscal years ended March 31, 2020 2021 2022 2022 Basic earnings per share Rs. 47.59 Rs. 59.27 Rs. 69.76 US$ 0.92 Effect of potential equity shares for stock options outstanding 0.32 0.25 0.38 0.01 Diluted earnings per share Rs. 47.27 Rs. 59.02 Rs. 69.38 US$ 0.91 Basic earnings per ADS Rs. 142.77 Rs. 177.81 Rs. 209.28 US$ 2.76 Effect of potential equity shares for stock options outstanding 0.96 0.75 1.14 0.03 Diluted earnings per ADS Rs. 141.81 Rs. 177.06 Rs. 208.14 US$ 2.73 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 . As per the RBI guidelines, the dividend payout (excluding dividend tax) cannot exceed 35 % of net income 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, 2020 and March 31, 2021 were Rs. 2.5 per equity share (viz. special interim dividend) and Rs. 6.5 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. On April 22, 2021, the RBI, in a notification, directed the banks to restrict dividend payouts for Fiscal 2021 to 50 % determined in terms of RBI regulations to conserve capital and stay resilient amid the COVID-19crisis. Accordingly, the Bank has paid a dividend of Rs. 6.50 per equity share for the financial year ended March 31, 2021.

Subsidiaries

Subsidiaries	12 Months Ended
Subsidiaries	Mar. 31, 2022
Subsidiaries	29. Subsidiaries HDB Financial Services Limited (“HDBFSL”) is a non-deposit non-banking HDFC Securities Ltd. (“HSL”) offers trading facilities in a range of equity, fixed income and derivative products to its clients. As at March 31, 2022 the Bank holds a 96.2% (previous year 96.8%) effective equity interest. The financial statements of HSL are consolidated.

Fair value measurement

Fair value measurement	12 Months Ended
Fair value measurement	Mar. 31, 2022
Fair value measurement	30. 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 following is a description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy. These valuation methodologies were applied to all of the Bank’s financial assets and financial liabilities carried at fair value. For Level 1 instruments the valuation is based upon the unadjusted quoted prices of identical instruments traded in active markets. For Level 2 instruments, where such quoted market prices are not available, the valuation is based upon the quoted prices for similar instruments in active markets, the quoted prices for identical or similar instruments in markets that are not active, prices quoted by market participants and prices derived from standard valuation methodologies or internally developed models that primarily use, as inputs, such as interest rates, yield curves, volatilities and credit spreads, which are available from public sources such as Reuters, Bloomberg and the Fixed Income Money Markets and Derivatives Association of India. The valuation methodology primarily includes discounted cash flow techniques. Valuation adjustments may be made to ensure that financial instruments are recorded at fair value. These adjustments may include amounts to reflect counterparty credit quality and the Bank’s creditworthiness, among other things, as well as unobservable parameters. Any such valuation adjustments are applied consistently over time. The valuation of Level 3 instruments is based on valuation techniques or models which use significant market unobservable inputs or assumptions. The Bank uses its quantitative pricing models to determine the fair value of its derivative instruments. These models use multiple market inputs, including interest rates, prices and indices to generate continuous yield or pricing curves and volatility factors to value the positions that are observable directly or indirectly. Valuation adjustments may be made to ensure that financial instruments are recorded at fair value. These adjustments may include amounts to reflect counterparty credit quality and the Bank’s creditworthiness, among other things, as well as unobservable parameters. Any such valuation adjustments are applied consistently over time. Financial assets and financial liabilities measured at fair value on a recurring basis: Available for sale debt securities: Available for sale debt securities are carried at fair value. Such fair values were based on quoted market prices, if available. If quoted market prices did not exist, fair values were estimated using the market yield on the balance period to maturity on similar instruments and similar credit risks. The fair value 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, 2021 and March 31, 2022. The following table summarizes investments measured at fair value on a recurring basis as of March 31, 2021, segregated by the level of valuation inputs within the fair value hierarchy utilized to measure fair value: Fair Value Measurements Using Particulars Total Quoted prices in active markets for identical assets (Level 1) Significant other observable inputs (Level 2) Significant unobservable inputs (Level 3) (In millions) Trading account securities Rs. 99,620.2 Rs. — Rs. 99,620.2 Rs. — Securities available-for-sale 4,275,449.9 176,015.8 3,938,270.2 161,163.9 Equity securities * 19,577.8 11,869.8 7,708.0 — Total Rs. 4,394,647.9 Rs. 187,885.6 Rs. 4,045,598.4 Rs. 161,163.9 * Equity securities classified within other assets. The following table summarizes investments measured at fair value on a recurring basis as of March 31, 2022, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value: Fair Value Measurements Using Particulars Total Quoted prices in active markets for identical assets (Level 1) Significant other observable inputs (Level 2) Significant unobservable inputs (Level 3) (In millions) Trading account securities Rs. 53,199.5 Rs. 304.1 Rs. 52,895.4 Rs. — Securities available-for-sale 4,388,563.1 174,680.3 4,069,988.1 143,894.7 Equity securities * 12,070.8 3,889.8 8,181.0 — Total Rs. 4,453,833.4 Rs. 178,874.2 Rs. 4,131,064.5 Rs. 143,894.7 Total US$ 58,703.4 US$ 2,357.6 US$ 54,449.2 US$ 1,896.6 * Equity securities classified within other assets. The following table summarizes certain additional information about changes in the fair value of Level 3 assets pertaining to instruments carried at fair value for the years ended March 31, 2021 and March 31, 2022: Particulars As of March 31, 2021 (In millions) Beginning balance at April 1, 2020 Rs. 127,454.3 Total gains or losses (realized/unrealized) -Included in net income — -Included in other comprehensive income 2,236.4 Purchases/additions 80,406.3 Sales — Issuances — Settlements (48,933.1 ) Transfers into Level 3 — Transfers out of Level 3 — Foreign currency translation adjustment — Ending balance at March 31, 2021 Rs. 161,163.9 Total amount of gains or (losses) included in net income attributable to change in unrealized gains or (losses) relating to assets still held at reporting date Rs — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period Rs 2,236.4 Particulars As of March 31, 2022 (In millions) Beginning balance at April 1, 2021 Rs. 161,163.9 Total gains or losses (realized/unrealized) -Included in net income — -Included in other comprehensive income (2,841.2 ) Purchases/additions 77,995.6 Sales — Issuances — Settlements (92,423.6 ) Transfers into Level 3 — Transfers out of Level 3 — Foreign currency translation adjustment — Ending balance at March 31, 2022 Rs. 143,894.7 Total amount of gains or (losses) included in net income attributable to change in unrealized gains or (losses) relating to assets still held at reporting date Rs — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period Rs (3,055.8) 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 , 2021 , segregated by the level of valuation inputs within the fair value hierarchy: Fair Value Measurements Using Particulars Total Quoted prices in active markets for identical assets (Level 1) Significant other observable inputs (Level 2) Significant unobservable inputs (Level 3) (In millions) Derivative assets Rs. 84,406.7 Rs. — Rs. 84,406.7 Rs. — Derivative liabilities Rs. 81,880.0 Rs. — Rs. 81,880.0 Rs. — The following table summarizes derivative instruments measured at fair value on a recurring basis as of March 31, 2022, segregated by the level of valuation inputs within the fair value hierarchy: Fair Value Measurements Using Particulars Total Quoted prices in active markets for identical assets (Level 1) Significant other observable inputs (Level 2) Significant unobservable inputs (Level 3) (In millions) Derivative assets Rs. 80,202.3 Rs. — Rs. 80,202.3 Rs. — Derivative liabilities Rs. 74,819.2 Rs. — Rs. 74,819.2 Rs. —

Risk and uncertainties

Risk and uncertainties	12 Months Ended
Risk and uncertainties	Mar. 31, 2022
Risks and Uncertainties [Abstract]
Risk and uncertainties	31. Risk and uncertainties a) The outbreak of the COVID-19 April-May COVID-19 COVID-19 April-May re-imposition COVID-19 COVID-19 b) On September 3, 2020, a securities class action lawsuit was filed against the Bank and certain of its current and former directors in the United States District Court for the Eastern District of New York (the “Court”). The complaint was amended on February 8, 2021. The amended complaint alleges that the Bank, its former managing director, Mr. Aditya Puri, and the present managing director and CEO, Mr. Sashidhar Jagdishan made materially false and misleading statements regarding certain aspects of the Bank’s business and compliance policies, which the complaint alleges resulted in the Bank’s ADS price declining on July 13, 2020, thereby allegedly causing damage to the Bank’s investors. The Bank’s motion to dismiss the suit was filed on April 9, 2021, to which the lead plaintiff served its brief in opposition on June 8, 2021. The Bank, on July 23, 2021, through its legal counsel, has filed the reply memorandum of law in further support of the motion to dismiss the securities class action suit. The Bank’s motion to dismiss remains pending before the Court. Given the uncertainty inherent in these matters, and based on an assessment made after taking appropriate legal advice, at this point in time, the Bank does not believe that the ultimate outcome of this matter will be materially unfavorable to the Bank. Accordingly, no liability has been recorded in the Bank’s consolidated financial statements. The Bank intends to continue to vigorously defend against the allegations. c) The ongoing war between Russia and Ukraine complicates the geopolitical landscape. The United States, the United Kingdom and the European Union have expanded sanctions significantly against Russia which could impact global markets and thus the Bank and its customers. The Bank continues to monitor developments and seeks to manage the associated impacts on its customers and business.

Subsequent events

Subsequent events	12 Months Ended
Subsequent events	Mar. 31, 2022
Subsequent Events [Abstract]
Subsequent events	32. Subsequent events a) In its meeting held on April 4, 2022, the Board of Directors of the Bank approved a composite scheme of amalgamation (the “Scheme”) for the amalgamation of: (i) HDFC Investments Limited and HDFC Holdings Limited, each a subsidiary of HDFC Limited, with and into HDFC Limited, and (ii) HDFC Limited with and into HDFC Bank (the “Proposed Transaction”). The share exchange ratio shall be 42 equity shares of HDFC Bank (each having a face value of Rs. 1 ) for every 25 equity shares of HDFC Limited (each having a face value of Rs . 2 ) The completion of the Scheme and the Proposed Transaction is subject to customary closing conditions, including the receipt of requisite approvals from the RBI, the Competition Commission of India, the National Housing Bank, the Insurance Regulatory and Development Authority of India, the Pension Fund Regulatory and Development Authority, the National Company Law Tribunal, the Securities Exchange Board of India, BSE Limited, the National Stock Exchange of India Limited and other statutory and regulatory authorities, and the respective shareholders and creditors, under applicable Indian law. It is currently anticipated that the Proposed Transaction will be completed during fiscal year 2024. While HDFC Bank has received certain approvals and no objection letters in regard to the Proposed Transaction subject to certain conditions, further approvals and letters will be required in due course. There can be no assurance that the remaining closing conditions will be satisfied in a timely manner or at all, or that an effect, event, development or change will not transpire that could delay or prevent these conditions from being satisfied. Upon the Scheme becoming effective and following RBI’s permission if received for relaxation of certain regulatory requirements for subsidiaries of HDFC Bank (for which forbearance application was filed on March 28, 2022), the subsidiaries of HDFC Limited will become subsidiaries of HDFC Bank leading to a simplified corporate structure. In addition, upon the Scheme becoming effective, the Bank will issue equity shares to the shareholders of HDFC Limited as on the record date, which is to be determined by the Boards of Directors of HDFC Limited and HDFC Bank, and the equity shares held by HDFC Limited in the Bank will be extinguished. The shares proposed to be issued pursuant to the Proposed Transaction will not be registered with the SEC under the Securities Act of 1933 or the securities law of any state or other jurisdiction of the United States, and are being offered and sold in reliance on certain exemptions from registration under the Securities Act. b) In its meeting held on April 23, 2022, the Board of Directors of the Bank recommended a dividend of Rs. 15.50 per share, which has been subsequently approved by the shareholders for payment in their Annual General Meeting, held on July 16, 2022. The amount of such dividend aggregated to Rs. 86,045.2

Summary of significant accoun_2

Summary of significant accounting policies (Policies)	12 Months Ended
Summary of significant accounting policies (Policies)	Mar. 31, 2022
Principles of consolidation	a. Principles of consolidation The consolidated financial statements include the accounts of HDFC Bank Limited and its subsidiaries. The Bank consolidates subsidiaries in which, directly or indirectly, it holds more than 50% of the voting rights and/or has control. Entities where the Bank holds 20% to 50% of the voting rights and/or has the ability to exercise significant influence are accounted for under the equity method. These investments are included in other assets and the Bank’s proportionate share of income or loss is included in Non-interest
Basis of presentation	b. Basis of presentation These financial statements have been prepared in accordance with the accounting principles generally accepted in the United States of America (“US GAAP”). US GAAP differs in certain material respects from accounting principles generally accepted in India, the requirements of India’s Banking Regulation Act 1949 and related regulations issued by the Reserve Bank of India (“RBI”) (collectively “Indian GAAP”), which form the basis of the statutory general purpose financial statements of the Bank in India. Principal differences, insofar as they relate to the Bank, include the determination of the allowance for credit losses, classification and valuation of investments, accounting for deferred taxes, stock-based compensation, loan origination fees, derivative financial instruments, business combination, lease accounting and the presentation format and disclosures of the financial statements and related notes.
Use of estimates	c. Use of estimates The preparation of financial statements in conformity with US GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities at the date of these financial statements and the reported amounts of revenues and expenses for the years presented. Actual results could differ from these estimates. Material estimates included in these financial statements that are susceptible to change include the allowance for credit losses, the valuation of unquoted investments, impairment in securities, valuation of derivatives, stock-based compensation, unrecognized tax benefits, valuation of lease liabilities and impairment assessment of goodwill.
Cash and cash equivalents	d. Cash and due from banks, and restricted cash Cash and due from banks comprise of cash and deposit with banks that have original maturities of 90 days or less. The Bank has captioned cash and cash equivalent as “cash and due from banks, and restricted cash” on the consolidated balance sheets. Cash and due from banks includes restricted cash (see note 3).
Customer acquisition costs	e. Customer acquisition costs Customer acquisition costs principally consist of commissions paid to third-party referral agents who source retail loans and such costs are deferred and amortized as a yield adjustment over the life of the loans. Advertising and marketing expenses incurred to solicit new business are expensed as incurred.
Investments in securities	f. Investments in securities Investments consist of securities purchased as part of the Bank’s treasury operations, such as government securities and other debt securities, and investments purchased as part of the Bank’s wholesale banking operations, such as credit substitute securities issued by the Bank’s wholesale banking customers. Credit substitute securities typically consist of commercial paper and debentures issued by the same customers with whom the Bank has a lending relationship in its wholesale banking business. Investment decisions for credit substitute securities are subject to the same credit approval processes as for loans, and the Bank bears the same customer credit risk as it does for loans extended to those customers. Additionally, the yield and maturity terms are generally directly negotiated by the Bank with the issuer. As the Bank’s exposures to such securities are similar to its exposures on its loan portfolio, additional disclosures have been provided on impairment status in note 7 and on concentrations of credit risk in note 10. All other securities, including mortgage-and asset-backed securities, are actively managed as part of the Bank’s treasury operations. The issuers of such securities are either government, public financial institutions or private issuers. These investments are typically purchased from the market, and debt securities are generally publicly-rated. Securities that are held principally for resale in the near term are classified as held for trading (“HFT”) and are carried at fair value, with changes in fair value recorded in net income. Debt securities that management has the positive intent and ability to hold to maturity are classified as held to maturity (“HTM”) and are carried at amortized cost. All debt securities that are not classified as HTM or HFT are classified as available for sale debt securities (“AFS”) and are carried at fair value. Unrealized gains and losses on such securities, net of applicable taxes, are reported in accumulated other comprehensive income (loss), a separate component of shareholders’ equity. Equity securities are classified under other assets. Marketable securities are measured at fair value, change in fair value recorded in earnings. Non-marketable Fair values are based on market quotations where a market quotation is available or otherwise based on present values at current interest rates for such investments. Transfers between categories are recorded at fair value on the date of the transfer.
Impairment of securities	g. Impairment of debt securities Up to March 31, 2020, declines in the fair value of held to maturity and available for sale debt securities below their carrying value that were other than temporary were reflected in net income as other than temporary impairment losses, based on management’s best estimate of the fair value of the investment. The Bank conducted a review each year to identify other than temporary declines based on an evaluation of all significant factors. The Bank’s review of impairment generally entailed identification and evaluation of investments that had indications of possible impairment, analysis of evidential matter, including an evaluation of factors or triggers that would or could cause individual investments to have other than temporary impairment and documentation of the results of these analysis, as required under business policies. Estimates of any declines in the fair value of credit substitute securities that were other than temporary were measured on a case-by-case The Bank adopted ASU 2016-13, available-for-sale more-likely-than-not non-accrual non-performing.
Loans	h. Loans The Bank grants retail and wholesale loans to customers. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at their outstanding unpaid principal balances adjusted for an allowance for credit losses. Loan origination fees and certain direct origination costs are deferred and recognized as adjustments to net income over the lives of the related loans. Interest is accrued on the unpaid principal balance and is included in interest income. Loans are generally placed on “non-accrual” non-performing, non-accrual
Allowance for credit losses	i. Allowance for credit losses The Bank provides an allowance for credit losses based on management’s best estimate of losses inherent in the loan portfolio which includes troubled debt restructuring. The allowance for credit losses consists of allowances for retail loans and wholesale loans. Upon adoption of ASC 326, the Bank revised its accounting policy for Allowance for credit losses as detailed below: Retail Up to March 31, 2020 the Bank’s retail loan loss allowance consisted of specific allowance and allowance for loans collectively evaluated for impairment (termed as “unallocated allowance”). The Bank established a specific allowance on the retail loan portfolio based on factors such as the nature of the product, delinquency levels or the number of days the loan is past due and the nature of the security available. Additionally, the Bank monitored loan to value ratios for loans against securities. The loans were charged off against allowances typically when the account became 150 to 1,083 , write-off Wholesale Up to March 31, 2020, the allowance for wholesale loans consisted of specific and unallocated components. The allowance for such credit losses was evaluated on a regular basis by management and was based upon management’s view of the probability of recovery of loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, the estimated value of any underlying collateral, factors affecting the industry which the loan exposure relates to and prevailing economic conditions. This evaluation was inherently subjective as it required estimates that are susceptible to significant revision as more information became available. Loans were charged off against the allowance when management believes that the loan balance may not be recovered. Subsequent recoveries, if any, against write-off The Bank established specific allowances for each impaired wholesale loan customer, in the aggregate, for all facilities, including term loans, cash credits, bills discounted and lease finance, based on either the present value of expected future cash flows discounted at the loan’s effective interest rate or the net realizable value of the collateral if the loan is collateral dependent. Collateral values are generally based on appraisals from internal and external valuation sources. Wholesale loans that experienced insignificant payment delays and payment shortfalls were generally not classified as impaired but were placed on a surveillance watch list and closely monitored for deterioration. Management determines the significance of payment delays and payment shortfalls on a case-by-case The Bank also established an unallocated allowance for wholesale standard loans based on the internal rating grades assigned, and the probability of default associated with internal rating grade pools and the loss given default. Effective April 1, 2020, the Bank adopted the CECL accounting guidance. The adoption of this guidance established a single allowance framework for all financial assets measured at amortized cost and certain off-balance The Bank estimates its allowance for credit losses for pooled loans based on its PD and LGD, determined for the respective risk pools. The allowance for credit losses for the quantitative component of pooled loans is the product of multiplying the PD, LGD and EAD. Asset-specific component To determine the asset-specific component of the allowance, collateral-dependent loans (including those loans for which foreclosure is probable) and larger and non-accrual The Bank generally measures the asset-specific allowance as the difference between the amortized cost of the loan and the present value of the cash flows expected to be collected, discounted at the loan’s original effective interest rate. Subsequent changes in impairment, including those related to the passage of time, are generally recognized as an adjustment to the allowance for credit losses. For collateral-dependent loans, the fair value of collateral less estimated costs to sell is used to determine the charge-off The asset-specific component of the allowance for credit losses that have been or are expected to be modified in TDRs incorporates the effect of the modification on the loan’s expected cash flows (including forgone interest, principal forgiveness, and other concessions), and also the potential for redefault. For wholesale loans modified or expected to be modified in TDRs, expected losses incorporate management’s expectation of the borrower’s ability to repay under the modified terms. Estimating the timing and amounts of future cash flows is highly subject to judgment as these cash flow projections rely upon estimates such as loss severities, asset valuations, default rates (including redefault rates on modified loans), the amounts and timing of interest or principal payments (including any expected prepayments) or other factors that are reflective of current and expected market conditions. All of these estimates and assumptions require significant management judgment and certain assumptions are highly subjective. The Bank’s allowance for credit losses comprises: • the allowance for loan losses, which covers the Bank’s loan portfolios and is presented separately on the balance sheet in Loans, • the allowance for lending-related commitments, which is recognized on the balance sheet in Accrued expenses and other liabilities, • the allowance for credit losses on investment securities, which covers the Bank’s AFS debt securities and is recognized on the balance sheet in Investments available for sale debt securities on the balance sheet and, • the allowance for credit losses on other financial assets measured at amortized cost, and other off-balance All changes in the allowance for credit losses are recognized in the income statement. Determining the appropriateness of the allowance for credit losses is complex and requires significant judgment by management about the effect of matters that are inherently uncertain. Subsequent evaluations of credit exposures, considering the macroeconomic conditions, forecasts and other factors then prevailing, may result in significant changes in the allowance for credit losses in future periods. The Bank’s policies used to determine its allowance for credit losses and its allowance for lending-related commitments are described in the following paragraphs. The Bank’s portfolio is bifurcated into Retail and Wholesale portfolios, wherein the Retail portfolio is segmented into homogenous pools using various factors such as nature of product, delinquencies, and other demographic and behavioral variables of the borrowers. The wholesale portfolio is segmented into various risk grades on the basis of a host of quantitative and qualitative factors including financial performance, industry risk, business risk and management quality. The allowance for loan-related losses and allowance for lending-related commitments represents expected credit losses over the remaining expected life of outstanding loans and lending-related commitments that are not unconditionally cancellable. The Bank does not record an allowance for future draws on unconditionally cancellable lending-related commitments (e.g., credit cards). The Bank does not record an allowance on accrued interest receivables on the balance sheet due to its policy to reverse interest income on loans more than 90 days past due and in the case of agricultural loans more than 365 days past due, and also on any loans classified as non-performing. The estimate of expected credit losses includes expected recoveries of amounts previously charged off or expected to be charged off, even if such recoveries result in a negative allowance. The Retail loans are charged off against allowances typically when the account becomes 150 to 1,083 days past due depending on the type of loan. The defined delinquency levels at which major loan types are charged off are 150 days past due for personal loans and credit card receivables, 180 days for auto loans, commercial vehicle and construction equipment finance, 720 days past due for housing loans and on a customer by customer basis in respect of retail business banking when management believes that any future cash flows from these loans are remote including realization of collateral, if applicable, and where any restructuring or any other settlement arrangements were not feasible. The wholesale Loans are charged off against the allowance when management believes that the loan balance may not be recovered, including realization of collateral, if applicable, and where any restructuring or any other settlement arrangements were not feasible. Subsequent recoveries, if any, against write-off Wholesale loans are considered non-performing non-performance non-performing case-by-case In order to estimate the allowance, the Bank primarily relies on its risk-segmentation models, which are also an integral part of the Bank’s risk management framework. Risk segmentation aims to group homogenous exposures together to allow for collective assessment of expected losses. Expected Loss estimation under collective assessment, is primarily based on Probability of Default (“PD”), Loss given Default (“LGD”), Exposure at Default (“EAD”) estimates. The Bank has modeled its PD estimates at the aforementioned granularity for its retail and wholesale portfolios and has also created the remaining expected life structure of the same for computation of credit losses. The Bank’s off-balance off-balance off-balance off-balance Collective and Individual Assessments Management estimates the allowance balance using relevant available information, from internal and external sources, relating to historical experience, current conditions, and reasonable and supportable forecasts. Historical loan default and loss experience provides the basis for the estimation of expected credit losses. Adjustments to historical loss information incorporate management’s view of current conditions and forecasts. The methodology for estimating the amount of credit losses reported in the allowance for credit losses has two basic components: first, a pooled component for expected credit losses for pools of loans that share similar risk characteristics and second an asset-specific component involving loans that do not share risk characteristics and the measurement of expected credit losses for such individual loans. As an integral part of the credit process, the Bank has a credit rating model appropriate to its retail and wholesale credit segments. The Bank monitors credit quality within its segments based on primary credit quality indicators. This internal rating grading is updated at least annually, based on credit rating model scale. The majority of the Bank’s credit exposures share risk characteristics with other similar exposures, and as a result are collectively assessed for allowance (“portfolio-based component”). If an exposure does not share risk characteristics with other exposures, the Bank generally estimates expected credit losses on an individual basis, considering expected repayment and conditions impacting that individual exposure (“asset-specific component”). The asset-specific component covers loans modified or reasonably expected to be modified in a troubled debt restructuring (“TDR”), collateral-dependent loans, and borrowers with financial difficulties. Portfolio-based component (Pooled Loans) The portfolio-based component begins with a quantitative calculation that considers the likelihood of the borrower changing delinquency status or moving from one risk rating to another. The quantitative calculation covers expected credit losses over an instrument’s expected life and is estimated by applying credit loss factors to the Bank’s exposure at default. Apart from its historical experience, the Bank seeks to incorporate any reasonable and supportable information regarding the prevalent and future economic and operating conditions, and their impact on credit losses for the Bank into its allowance. The Bank therefore includes in its estimation the use of quantitative statistical models to predict impact of macro-economic variables, on defaults. The Bank relies on a single macro-economic variable that is relevant to the specific pool of loans to develop reasonable and supportable forecast specific to the relevant macro-economic variable. In deploying these models the Bank has assessed the impact of an exhaustive set of macro-economic variables, key such variables are GDP, Private Final Consumption Expenditure, Gross Fixed Capital Formation and Index of Industrial Production (“IIP”) on its expected losses, and uses consensus macro-economic forecasts surveyed and published by the Reserve Bank of India: Centre for Monitoring Indian Economy. As the consensus macro-economic forecasts are published for a year the Bank reverts to the historical average default rate beyond this period over a straight line basis. Any adjustments needed to the modeled expected losses in the quantitative calculations are addressed through a qualitative adjustment. Qualitative adjustment, among other things includes the uncertainty of forward-looking scenarios based on the likelihood and severity of a possible recession; the uncertainty of economic conditions related to an alternative downside scenario; certain portfolio characteristics and concentrations; collateral coverage; model limitations; idiosyncratic events; and other relevant criterias. The qualitative adjustment also reflects the estimated impact of the pandemic and the war between Russia and Ukraine on the economic forecasts and their impact on credit loss estimates. The total ACL is comprised of the quantitative and qualitative components.
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 The Bank recognizes its lease liabilities measured as the present value of lease payments not yet paid, discounted using the incremental borrowing rate. The right-of-use At the inception of the contract, the Bank assesses whether the contract, is or contains, a lease. The Bank’s assessment is based on whether(1) the contract involves the use of distinct identified assets, (2) the Bank has the right to substantially all the economic benefit from the use of the asset throughout the term of the contract, and (3) the Bank has the right to direct the use of the asset. Leases are examined for classification as either finance leases or operating leases. A lease is classified as a finance lease if any one of the following criteria is met (1) the lease transfers ownership of the asset by the end of the lease term, (2) the lease contains an option to purchase the asset that is reasonably certain to be exercised, (3) the lease term is for the major part of the remaining useful life of the asset or (4) the present value of the lease payments equals or exceeds substantially all of the fair value of the asset. A lease is classified as an operating lease if it does not meet any one of the above criteria. The Banks’s lessee arrangements consist of operating leases. The Bank records right-of-use Right-of-use right-of-use Lease expense is recognized on a straight-line basis over the lease term and is recorded in non-interest non-lease Right-of-use The Bank assesses leased assets for impairment, and if the carrying amount of the leased asset exceeds the undiscounted cash flows from the lease payments and the estimated residual value upon disposition of the leased asset, an impairment loss is recognized.
Impairment or disposal of tangible long-lived assets	m. Impairment or disposal of tangible long-lived assets Whenever events or circumstances indicate that the carrying amount of tangible long-lived assets may not be recoverable, the Bank subjects such long-lived assets to a test of recoverability based on the undiscounted cash flows from use or disposition of the asset. Such events or circumstances would include changes in the market, technology obsolescence, adverse changes in profitability or regulation. If the asset is impaired, the Bank recognizes an impairment loss estimated as the difference between the carrying value and the net realizable value.
Income tax	n. Income tax Income tax expense/benefit consists of the current tax expense and the net change in deferred tax assets or liabilities during the year. Deferred tax assets and liabilities are recognized for the future tax consequences of differences between the carrying values of assets and liabilities for financial reporting purposes and their respective tax bases, and for operating loss and tax credit carry forwards. Deferred tax assets are reduced by a valuation allowance to the amount that is more likely than not to be realized based on management’s judgment. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which the deferred tax assets or liabilities are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in the income statement in the period of enactment of the change. Income tax benefits are recognized and measured based upon a two-step more-likely-than-not The Bank accounted for dividend distribution tax in equity in the year in which a dividend is declared. With effect from April 1, 2020, no direct tax required to be paid by the Bank since dividend distribution tax payable on dividend distributed have been abolished. The Bank follows specific identification method for releasing income tax effects from accumulated other comprehensive income.
Revenue recognition	o. Revenue recognition Interest income from loans and from investments is recognized on an accrual basis using the effective interest method when earned except in respect of loans or investments placed on non-accrual Fees and commissions from guarantees issued are amortized over the contractual period of the commitment. Dividends from investments are recognized when declared. Realized gains and losses on sale of securities are recorded on the trade date and are determined using the weighted average cost method. Other fees and income are recognized when earned, which is when the service that results in the income has been provided. The Bank amortizes annual fees on credit cards over the contractual period of the fees.
Foreign currency transactions	p. Foreign currency transactions The Bank’s functional currency is the Indian Rupee, except for the Bank’s foreign branches. Foreign currency transactions are recorded at the exchange rate prevailing on the date of the transaction. Foreign currency denominated monetary assets and liabilities are converted into respective functional currency using exchange rates prevailing on the balance sheet dates. Gains and losses arising on conversion of foreign currency denominated monetary assets and liabilities and on foreign currency transactions are included in the determination of net income under foreign exchange transactions. For the foreign branches, the assets, liabilities and operations are translated, for consolidation purposes, from functional currency of the foreign branch to the Indian Rupee reporting currency at period-end
Stock-based compensation	q. Stock-based compensation The fair value of stock-based compensation is estimated on the date of each grant based on a binomial model. For further information, see note 21.
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 28.
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 25.
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 value. The application of the purchase method requires certain estimates and assumptions, especially concerning the determination of the fair value 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 the Bank’s interest and the acquiree’s net fair value of identifiable assets and liabilities is recognized as goodwill.
Goodwill	w. Goodwill Under applicable accounting guidance, goodwill is reviewed at the reporting unit level for potential impairment at least on an annual basis at the end of the reporting period, or more frequently if events or circumstances indicate a potential impairment. Up to March 31, 2020 this analysis was a two-step 2017-04
Recently adopted accounting standards	x. Recently adopted accounting standards In December 2019, the FASB issued ASU 2019-12 In January 2020, the FASB issued ASU 2020-01 2016-01 In March 2020, the FASB issued ASU 2020-04 2021-01
Recently issued accounting pronouncements not yet effective	y. Recently issued accounting pronouncements not yet effective In August 2020, the FASB issued ASU 2020-06 470-20) 815-40)”. 2020-06
Convenience translation	z. Convenience translation The accompanying financial statements have been expressed in Indian Rupees (“Rs.”), the Bank’s functional currency. For the convenience of the reader, the financial statements as of and for the fiscal year ended March 31, 2022 have been translated into U.S. dollars at U.S.$1.00 = Rs. 75.87 as published by the Federal Reserve Board of New York on March 31, 2022. 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, 2022
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, 2022
Summary of Allowances for Available for sale debt Securities	Allowances for available for sale debt securities as of March 31, 2021 are as follows: As of March 31, 2021 Allowance for credit losses, beginning of the period Write-offs Addition to allowance for credit losses Allowance for credit losses, end of the period (In millions) Credit substitutes Rs. — Rs. — Rs. 2,915.1 Rs. 2,915.1 Other corporate/financial institution bonds — — — — Total Rs. — Rs. — Rs. 2,915.1 Rs. 2,915.1 Allowances for Available for sale debt Securities as of March 31, 2022 are as follows: As of March 31, 2022 Allowance for the period Write-offs Addition/(Deletion) to allowance for credit losses Allowance for period (In millions) Government of India securities Rs. — Rs. — Rs. — Rs. — State government securities — — — — Government securities outside India — — — — Credit substitutes 2,915.1 — (2,915.1 ) — Other corporate/financial institution bonds — — — — Debt securities, other than asset- and mortgage-backed securities — — — — Mortgage-backed securities — — — — Asset-backed securities — — — — Other securities (including mutual fund units) — — — — Total Rs. 2,915.1 Rs. — Rs. (2,915.1 ) Rs. — Total US$ 38.4 US$ — US$ (38.4 ) US$ —
Credit Substitutes
Available for Sale Securities Amortized Cost and Fair Value	The fair value of credit substitutes by type of instrument as of March 31, 2021 and March 31, 2022 were as follows: As of March 31, 2021 2022 Amortized Cost Fair Value Amortized Cost Fair Value (In millions) Available for sale credit substitute debt securities: Debentures Rs. 524,448.4 Rs. 537,472.8 Rs. 577,377.0 Rs. 581,551.5 Preference shares — — 77.1 0.5 Commercial paper 9,778.7 9,804.1 1,468.2 1,468.2 Total Rs. 534,227.1 Rs. 547,276.9 Rs. 578,922.3 Rs. 583,020.2 US$ 7,630.5 US$ 7,684.5
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, 2021 and March 31, 2022 was as follows: As of March 31, 2021 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In millions) Government of India securities Rs. 15,076.0 Rs. 85.8 Rs. 2.6 Rs. 15,159.2 Other corporate/financial institution securities 34,803.9 43.3 0.4 34,846.8 Total debt securities Rs. 49,879.9 Rs. 129.1 Rs. 3.0 Rs. 50,006.0 Other securities (including mutual fund units) 52,912.2 110.9 3,408.9 49,614.2 Total Rs. 102,792.1 Rs. 240.0 Rs. 3,411.9 Rs. 99,620.2 As of March 31, 2022 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In millions) Government of India securities Rs. 28,159.7 Rs. 57.7 Rs. 21.9 Rs. 28,195.5 Other corporate/financial institution securities 3,635.4 1.9 6.0 3,631.3 Total debt securities Rs. 31,795.1 Rs. 59.6 Rs. 27.9 Rs. 31,826.8 Other securities (including mutual fund units) 21,933.5 128.2 689.0 21,372.7 Total Rs. 53,728.6 Rs. 187.8 Rs. 716.9 Rs. 53,199.5 Total US$ 708.2 US$ 2.5 US$ 9.5 US$ 701.2
Available-for-Sale Debt Securities
Available for Sale Securities Amortized Cost and Fair Value	The portfolio of available for sale debt securities as of March 31, 2021 and March 31, 2022 was as follows: As of March 31, 2021 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In millions) Government of India securities Rs. 3,159,905.2 Rs. 31,824.6 Rs. 20,225.8 Rs. 3,171,504.0 State government securities 348,067.7 7,373.7 2,669.6 352,771.8 Government securities outside India 5,932.2 3.8 — 5,936.0 Credit substitutes (see note 7) 534,227.1 13,423.1 373.3 547,276.9 Other corporate/financial institution bonds 36,419.0 352.5 12.3 36,759.2 Debt securities, other than asset and mortgage-backed securities 4,084,551.2 52,977.7 23,281.0 4,114,247.9 Mortgage-backed securities 30.5 1.8 — 32.3 Asset-backed securities 157,399.9 4,081.5 311.7 161,169.7 Total Rs. 4,241,981.6 Rs. 57,061.0 Rs. 23,592.7 Rs. 4,275,449.9 Securities with gross unrealized losses Rs. 1,162,099.9 Securities with gross unrealized gains 3,113,350.0 Rs. 4,275,449.9 As of March 31, 2022 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In millions) Government of India securities Rs. 3,226,917.6 Rs. 10,995.6 Rs. 42,946.3 Rs. 3,194,966.9 State government securities 429,146.8 4,395.9 5,865.9 427,676.8 Government securities outside India 2,279.2 — 3.4 2,275.8 Credit substitutes (see note 7) 578,922.3 5,381.4 1,283.5 583,020.2 Other corporate/financial institution bonds 36,689.5 179.8 163.5 36,705.8 Debt securities, other than asset and mortgage-backed securities 4,273,955.4 20,952.7 50,262.6 4,244,645.5 Mortgage-backed securities 24.2 — 1.3 22.9 Asset-backed securities 142,954.6 1,519.6 579.5 143,894.7 Total Rs. 4,416,934.2 Rs. 22,472.3 Rs. 50,843.4 Rs. 4,388,563.1 Total US$ 58,217.1 US$ 296.2 US$ 670.1 US$ 57,843.2 Securities with gross unrealized losses Rs. 1,791,389.0 Securities with gross unrealized gains 2,597,174.1 Rs. 4,388,563.1 US$ 57,843.2
Unrealized loss position investments	The gross unrealized losses and fair value of available for sale debt securities at March 31, 2021 was as follows: As of March 31, 2021 Less Than 12 Months 12 Months or Greater Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (In millions) Government of India securities Rs. 930,710.0 Rs. 20,224.7 Rs. 98.2 Rs. 1.1 Rs. 930,808.2 Rs. 20,225.8 State government securities 133,639.8 2,669.6 — — 133,639.8 2,669.6 Government securities outside India — — — — — — Credit substitutes (see note 7) 43,455.7 373.3 — — 43,455.7 373.3 Other corporate/financial institution bonds 4,957.2 12.3 — — 4,957.2 12.3 Debt securities, other than asset and mortgage-backed securities 1,112,762.7 23,279.9 98.2 1.1 1,112,860.9 23,281.0 Mortgage-backed securities — — — — — — Asset-backed securities 49,239.0 311.7 — — 49,239.0 311.7 Other securities (including mutual fund units) — — — — — — Total Rs. 1,162,001.7 Rs. 23,591.6 Rs. 98.2 Rs. 1.1 Rs. 1,162,099.9 Rs. 23,592.7 The gross unrealized losses and fair value of available for sale debt securities at March 31, 2022 was as follows: As of March 31, 2022 Less Than 12 Months 12 Months or Greater Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (In millions) Government of India securities Rs. 447,360.3 Rs. 7,893.5 Rs. 838,788.4 Rs.35,052.8 Rs. 1,286,148.7 Rs. 42,946.3 State government securities 146,365.0 1,213.6 131,616.3 4,652.3 277,981.3 5,865.9 Government securities outside India 2,275.7 3.4 — — 2,275.7 3.4 Credit substitutes (see note 7) 118,798.2 972.4 37,138.9 311.1 155,937.1 1,283.5 Other corporate/financial institution bonds 15,823.3 163.5 — — 15,823.3 163.5 Debt securities, other 730,622.5 10,246.4 1,007,543.6 40,016.2 1,738,166.1 50,262.6 Mortgage-backed securities 23.0 1.3 — — 23.0 1.3 Asset-backed securities 25,557.2 310.6 27,642.7 268.9 53,199.9 579.5 Other securities (including mutual fund units) — — — — — — Total Rs. 756,202.7 Rs. 10,558.3 Rs. 1,035,186.3 Rs. 40,285.1 Rs. 1,791,389.0 Rs. 50,843.4 Total US$ 9,967.1 US$ 139.1 US$ 13,644.2 US$ 531.0 US$ 23,611.3 US$ 670.1
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, 2022 is set out below: As of March 31, 2022 Amortized Cost Fair Value Fair Value (In millions) Within one year Rs. 881,418.9 Rs. 882,468.1 US$ 11,631.3 Over one year through five years 1,492,816.4 1,503,308.7 19,814.3 Over five years through ten years 1,334,162.1 1,314,014.4 17,319.3 Over ten years 565,558.0 544,854.3 7,181.4 Total Rs. 4,273,955.4 Rs. 4,244,645.5 US$ 55,946.3
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, 2022 is set out below: As of March 31, 2022 Amortized Cost Fair Value Fair Value (In millions) Within one year Rs. 63,824.9 Rs. 64,300.8 US$ 847.5 Over one year through five years 78,315.3 78,781.6 1,038.4 Over five years through ten years 774.2 771.9 10.2 Over ten years 64.4 63.3 0.8 Total Rs. 142,978.8 Rs. 143,917.6 US$ 1,896.9
Realized Investment Gains Losses Net	Gross realized gains and gross realized losses from sale of available for sale debt securities and dividends and interest on such securities are set out below: Fiscal year ended March 31, 2020 2021 2022 2022 (In millions) Gross realized gains on sale Rs. 26,128.1 Rs. 56,439.4 Rs. 18,604.5 US$ 245.2 Gross realized losses on sale (301.9 ) (514.2 ) (1,858.7 ) (24.5 ) Realized gains (losses), net 25,826.2 55,925.2 16,745.8 220.7 Dividends and interest 198,383.2 226,690.9 240,943.0 3,175.7 Total Rs. 224,209.4 Rs. 282,616.1 Rs. 257,688.8 US$ 3,396.4

Credit substitutes (Tables)

Credit substitutes (Tables)	12 Months Ended
Credit substitutes (Tables)	Mar. 31, 2022
Credit substitutes by bank's internal credit quality indicators	The fair value of credit substitutes by the Bank’s internal credit quality indicators and amounts provided for non-performing credit substitutes is as follows: As of March 31, 2021 2022 2022 (In millions) Pass Rs. 547,276.9 Rs. 583,020.2 US$ 7,684.5 Non-performing —gross balance — — — Less: Non-performing losses — — — Non-performing credit substitutes, net — — — Total credit substitutes, net Rs. 547,276.9 Rs. 583,020.2 US$ 7,684.5
Impaired credit substitutes	The following table provides information on non-performing credit substitutes as at March 31, 2021 and March 31, 2022: As of March 31, 2021 2022 2022 (In millions) Gross non-performing credit substitutes Rs — Rs — US$ — Gross non-performing credit substitutes by industry Rs. — Rs. — US$ — Average non-performing credit substitutes Rs. — Rs. — US$ — Interest income recognized on non-performing credit substitutes Rs. — Rs. — US$ —

Loans (Tables)

Loans (Tables)	12 Months Ended
Loans (Tables)	Mar. 31, 2022
Loans by Facility	Loans by facility as of March 31, 2021 and March 31, 2022 were as follows: As of March 31, 2021 2022 2022 (In millions) Retail loans: Auto loans Rs. 964,053.2 Rs. 1,042,793.0 US$ 13,744.5 Personal loans/Credit cards 2,042,727.2 2,341,971.8 30,868.2 Retail business banking 2,007,845.9 2,617,087.1 34,494.4 Commercial vehicle and construction equipment finance 805,329.8 951,066.0 12,535.5 Housing loans 702,235.5 830,882.4 10,951.4 Other retail loans 1,306,641.0 1,526,734.4 20,122.9 Subtotal Rs. 7,828,832.6 Rs. 9,310,534.7 US$ 122,716.9 Wholesale loans Rs. 4,214,885.3 Rs. 5,099,009.3 US$ 67,207.2 Gross loans 12,043,717.9 14,409,544.0 189,924.1 Less: Allowance for credit losses 343,528.7 372,671.8 4,911.9 Total Rs. 11,700,189.2 Rs. 14,036,872.2 US$ 185,012.2
Financing Receivable, by Maturity	The maturity of gross loans as of March 31, 2022 is set out below: As of March 31, 2022 Wholesale loans Retail loans Total (In millions) Maturity profile of loans: Within one year Rs. 2,174,459.2 Rs. 2,525,390.8 Rs. 4,699,850.0 Over one year through five years 1,844,496.2 6,006,016.1 7,850,512.3 Over five years 1,080,053.9 779,127.8 1,859,181.7 Total Rs. 5,099,009.3 Rs. 9,310,534.7 Rs. 14,409,544.0 Total US$ 67,207.2 US$ 122,716.9 US$ 189,924.1
Past Due Financing Receivables	The following table provides details of age analysis of loans and finance receivable on non-accrual As of March 31, 2021 31-90 days past due Non-accrual/ 91 days or more past due Current 1,2 Total Finance receivable on non-accrual status (In millions) Retail Loans Auto loans Rs. 8,523.6 Rs. 28,476.3 Rs. 927,053.3 Rs. 964,053.2 Rs. 28,476.3 Personal loans/Credit card 25,026.7 37,026.1 1,980,674.4 2,042,727.2 37,026.1 Retail business banking 19,239.0 31,328.9 1,957,278.0 2,007,845.9 31,328.9 Commercial vehicle and construction equipment finance 16,946.0 32,015.3 756,368.5 805,329.8 32,015.3 Housing loans 4,530.8 5,171.9 692,532.8 702,235.5 5,171.9 Other retail 18,535.0 39,584.4 1,248,521.6 1,306,641.0 39,584.4 Wholesale loans 6,277.0 40,179.5 4,168,428.8 4,214,885.3 40,179.5 Total Rs. 99,078.1 Rs. 213,782.4 Rs. 11,730,857.4 Rs. 12,043,717.9 Rs. 213,782.4 1. Loans up to 30 days past due are considered current . 2. Includes crop-related non-performing As of March 31, 2022 31-90 days past due Non-accrual/ due Current 1,2 Total Finance receivable on non-accrual (In millions) Retail Loans Auto loans Rs. 6,536.5 Rs. 20,441.6 Rs. 1,015,814.9 Rs. 1,042,793.0 Rs. 20,441.6 Personal loans/Credit card 27,433.8 28,057.5 2,286,480.5 2,341,971.8 28,057.5 Retail business banking 18,242.9 35,820.2 2,563,024.0 2,617,087.1 35,820.2 Commercial vehicle and construction equipment finance 20,263.0 25,091.5 905,711.5 951,066.0 25,091.5 Housing loans 3,296.3 6,478.4 821,107.7 830,882.4 6,478.4 Other retail 18,009.8 49,459.2 1,459,265.4 1,526,734.4 49,459.2 Wholesale loans 8,455.4 31,921.1 5,058,632.8 5,099,009.3 31,921.1 Total Rs. 102,237.7 Rs. 197,269.5 Rs. 14,110,036.8 Rs. 14,409,544.0 Rs. 197,269.5 Total US$ 1,347.5 US$ 2,600.1 US$ 185,976.5 US$ 189,924.1 US$ 2,600.1 1. Loans up to 30 days past due are considered current . 2. Includes crop-related non-performing From fiscal year 2020 the Bank has implemented the packages announced by RBI on account of the COVID-19 pandemic which grants temporary extensions in repayment obligations to the borrowers without any interest or financial concessions. While the moratorium allowed customers (from March to August 2020) to temporarily freeze loan repayments, the loan restructuring packages eased the burden of monthly repayments. The total balance outstanding of loan facilities restructured was Rs. 138.4 billion as of March 31, 2021 and Rs. 229.8 billion (US$ 3.0 billion) as of March 31, 2022. These restructured facilities as of March 31, 2021 included retail loans and wholesale loans of Rs. 137.8 billion and Rs. 0.6 billion respectively and as of March 31, 2022 include retail loans and wholesale loans of Rs. 220.0 billion and Rs. 9.8 billion respectively. As stipulated by regulatory guidance, the Bank does not place loans with deferrals granted due to COVID-19 on nonaccrual status where such loans are not otherwise reportable as nonaccrual and thus considered in the allowance for loan losses.
Allowance for Credit Losses on Financing Receivables	Allowance for credit losses as of March 31, 2020 were as follows: Auto loans Personal loans/ Credit card Retail business banking Commercial vehicle and Construction equipment finance Housing loans Other retail Wholesale Retail Wholesale Total (In millions) Allowance for credit losses, beginning of the period Rs. 6,169.0 Rs. 9,694.0 Rs. 21,595.3 Rs. 6,544.8 Rs. 1,105.2 Rs. 20,441.5 Rs. 20,233.2 Rs. 52,941.1 Rs. 9,507.9 Rs. 148,232.0 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 ) 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 Allowance for credit losses, end of the period Rs. 7,814.5 Rs. 8,535.1 Rs. 21,687.4 Rs. 11,607.3 Rs. 1,414.7 Rs. 24,116.5 Rs. 26,426.4 Rs. 84,029.4 Rs. 13,201.9 Rs. 198,833.2 Allowance for credit losses: Allowance individually evaluated for impairment Rs. — Rs. — Rs. — Rs. — Rs. — Rs. — Rs. 26,426.4 Rs. — Rs. — Rs. 26,426.4 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 Loans: Loans individually evaluated for impairment — — — — — — 35,423.4 — — 35,423.4 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 * Net allowances for credit losses charged to expense does not include the recoveries against write-off . are are Allowances for credit losses as of March 31, 2021 are as follows: Auto loans Personal loans/ Credit card Retail business banking Commercial vehicle and Construction equipment finance Housing loans Other retail Wholesale Total (In millions) Allowance for credit losses, beginning of the period Rs. 19,219.0 Rs. 47,097.1 Rs. 32,860.3 Rs. 20,463.4 Rs. 1,700.7 Rs. 37,864.3 Rs. 39,628.4 Rs. 198,833.2 Impact of Adopting ASC 326 9,880.9 38,091.1 3,947.5 325.5 1,659.5 234.3 26,874.2 81,013.0 Write-offs (13,263.5 ) (61,571.8 ) (14,951.6 ) (15,921.5 ) (190.8 ) (9,942.8 ) (3,628.7 ) (119,470.7 ) Net allowance for credit losses* 23,559.7 86,464.6 20,432.2 21,489.3 1,408.6 21,073.4 8,725.4 183,153.2 Allowance for credit losses, end of the period Rs. 39,396.1 Rs. 110,081.0 Rs. 42,288.4 Rs. 26,356.7 Rs. 4,578.0 Rs. 49,229.2 Rs. 71,599.3 Rs. 343,528.7 Allowance for credit losses: Individually evaluated Allowance Rs. 34.7 Rs. 4.0 Rs. 3,540.7 Rs. 59.6 Rs. — Rs. 72.1 Rs. 33,222.5 Rs. 36,933.6 Collectively evaluated Allowance 39,361.4 110,077.0 38,747.7 26,297.1 4,578.0 49,157.1 38,376.8 306,595.1 Loans: — — — — — — — Individually evaluated Loans 49.5 4.2 3,560.8 59.7 — 92.7 42,786.8 46,553.7 Collectively evaluated Loans 964,003.7 2,042,723.0 2,004,285.1 805,270.1 702,235.5 1,306,548.3 4,172,098.5 11,997,164.2 * Net allowances for credit losses charged to expense does not include the recoveries against write-off . Allowances for credit losses as of March 31, 2022 are as follows: Auto loans Personal loans/ Credit card Retail business banking Commercial vehicle and Construction equipment finance Housing loans Other retail Wholesale Total Total (In millions) Allowance for Rs. 39,396.1 Rs. 110,081.0 Rs. 42,288.4 Rs. 26,356.7 Rs. 4,578.0 Rs. 49,229.2 Rs. 71,599.3 Rs. 343,528.7 US$ 4,527.9 Write-offs (19,376.9 ) (74,500.8 ) (3,027.7 ) (16,592.0 ) (601.6 ) (17,567.4 ) (2,351.4 ) (134,017.8 ) (1,766.5 ) Net allowance for 21,750.2 75,986.2 9,794.3 21,986.2 (1,284.2 ) 29,775.2 5,153.0 163,160.9 2,150.5 Allowance for Rs. 41,769.4 Rs. 111,566.4 Rs. 49,055.0 Rs. 31,750.9 Rs. 2,692.2 Rs. 61,437.0 Rs. 74,400.9 Rs. 372,671.8 US$ 4,911.9 Allowance for Individually Rs. 18.4 Rs. 6.5 Rs. 2,651.4 Rs. 65.8 Rs. — Rs. 92.3 Rs. 35,619.7 Rs. 38,454.1 US$ 506.8 Collectively 41,751.0 111,559.9 46,403.6 31,685.1 2,692.2 61,344.7 38,781.2 334,217.7 4,405.1 Loans: Individually 31.5 29.4 2,651.4 66.3 — 126.6 41,832.9 44,738.1 589.7 Collectively 1,042,761.5 2,341,942.4 2,614,435.7 950,999.7 830,882.4 1,526,607.8 5,057,176.4 14,364,805.9 189,334.4 * Net allowances for credit losses charged to expense does not include the recoveries against write-off .
Troubled Debt Restructurings Modifications	Interest on loans by facility are as follows: Fiscal year ended March 31, 2020 2021 2022 2022 (In millions) Wholesale loans Rs. 245,504.7 Rs. 263,190.7 Rs. 250,779.5 US$ 3,305.4 Retail loans 736,290.1 753,857.1 807,146.1 10,638.5 Total Rs. 981,794.8 Rs. 1,017,047.8 Rs. 1,057,925.6 US$ 13,943.9
Financing Receivable, Allowance for Credit Loss on adopting ASC 32	The following table illustrates the impact on allowances for credit losses on adopting ASC 326. As of April 1, 2020 As reported Pre-ASC Impact of (In millions) Loans: Auto loans Rs.29,099.9 Rs.19,219.0 Rs.9,880.9 Personal loans/Credit cards 85,188.2 47,097.1 38,091.1 Retail business banking 36,807.8 32,860.3 3,947.5 Commercial vehicle and construction equipment finance 20,788.9 20,463.4 325.5 Housing loans 3,360.2 1,700.7 1,659.5 Other retail loans 38,098.6 37,864.3 234.3 Wholesale loans 66,502.6 39,628.4 26,874.2 Allowance for Credit Losses on Loans Rs.279,846.2 Rs.198,833.2 Rs.81,013.0 Allowance for Credit Losses on AFS debt securities — — — Accrued expenses and other liabilities: Allowance for Credit Losses on Off-Balance Sheet Credit Exposures and undrawn commitments Rs.5,523.4 Rs.3,226.8 Rs.2,296.6 Allowance for Credit Losses Other 186.8 — 186.8 Total Rs. 285,556.4 Rs. 202,060.0 Rs. 83,496.4
Retail Loans
Financing Receivable Credit Quality Indicators	The following table provides information on primary credit quality indicators as at March 31, 2021: Credit quality indicators-Internally assigned grade Prior 2017 2018 2019 2020 2021 Revolving Loans Revolving loans converted to term loans Total (In millions) Auto loans Performing Rs. 4,599.0 Rs. 30,174.9 Rs. 99,159.5 Rs. 168,159.1 Rs. 266,277.0 Rs. 362,747.1 Rs. 4,460.3 Rs. — Rs. 935,576.9 Non-performing 736.9 2,066.2 6,048.0 9,260.9 8,513.0 1,033.0 818.3 — 28,476.3 Subtotal Rs. 5,335.9 Rs. 32,241.1 Rs. 105,207.5 Rs. 177,420.0 Rs. 274,790.0 Rs. 363,780.1 Rs. 5,278.6 Rs. — Rs. 964,053.2 Personal loans/Credit card Performing Rs. 613.8 Rs. 8,617.1 Rs. 48,658.4 Rs. 178,532.3 Rs. 483,925.8 Rs. 638,007.4 Rs. 326,118.9 Rs. 321,227.4 Rs. 2,005,701.1 Non-performing 118.6 601.7 3,144.1 8,704.2 11,381.7 1,162.5 8,259.7 3,653.6 37,026.1 Subtotal Rs. 732.4 Rs. 9,218.8 Rs. 51,802.5 Rs. 187,236.5 Rs. 495,307.5 Rs. 639,169.9 Rs. 334,378.6 Rs. 324,881.0 Rs. 2,042,727.2 Retail business banking Performing Rs. 35,189.0 Rs. 49,573.1 Rs. 121,663.7 Rs. 145,473.9 Rs. 209,578.9 Rs. 480,518.2 Rs. 934,520.2 Rs. — Rs. 1,976,517.0 Non-performing 3,584.6 2,717.7 4,863.1 3,865.9 1,883.4 1,053.4 13,360.8 — 31,328.9 Subtotal Rs. 38,773.6 Rs. 52,290.8 Rs. 126,526.8 Rs. 149,339.8 Rs. 211,462.3 Rs. 481,571.6 Rs. 947,881.0 Rs. — Rs. 2,007,845.9 Commercial vehicle and construction equipment finance Performing Rs. 517.8 Rs. 6,292.2 Rs. 44,766.4 Rs. 146,432.4 Rs. 214,342.4 Rs. 287,953.1 Rs. 73,010.2 Rs. — Rs. 773,314.5 Non-performing 155.9 836.6 4,397.4 11,112.3 10,159.4 1,086.1 4,267.6 — 32,015.3 Subtotal Rs. 673.7 Rs. 7,128.8 Rs. 49,163.8 Rs. 157,544.7 Rs. 224,501.8 Rs. 289,039.2 Rs. 77,277.8 Rs. — Rs. 805,329.8 Housing loans Performing Rs. 272,061.4 Rs. 111,758.9 Rs. 105,069.4 Rs. 152,564.7 Rs. 55,570.3 Rs. 38.9 Rs. — Rs. — Rs. 697,063.6 Non-performing 2,407.3 1,082.6 744.5 865.9 71.6 — — — 5,171.9 Subtotal Rs. 274,468.7 Rs. 112,841.5 Rs. 105,813.9 Rs. 153,430.6 Rs. 55,641.9 Rs. 38.9 Rs. — Rs. — Rs. 702,235.5 Other retail loans Performing Rs. 2,406.7 Rs. 8,530.0 Rs. 20,090.5 Rs. 45,854.0 Rs. 129,946.8 Rs. 483,241.9 Rs. 576,986.7 Rs. — Rs. 1,267,056.6 Non-performing 2,626.0 1,214.6 2,082.0 4,710.1 7,442.1 1,534.0 19,975.6 — 39,584.4 Subtotal Rs. 5,032.7 Rs 9,744.6 Rs. 22,172.5 Rs. 50,564.1 Rs. 137,388.9 Rs. 484,775.9 Rs. 596,962.3 Rs. — Rs. 1,306,641.0 Total Rs. 325,017.0 Rs. 223,465.6 Rs. 460,687.0 Rs. 875,535.7 Rs. 1,399,092.4 Rs. 2,258,375.6 Rs. 1,961,778.3 Rs. 324,881.0 Rs. 7,828,832.6 The following table provides information on primary credit quality indicators as at March 31, 2022: Credit quality indicators-Internally assigned grade Prior 2018 2019 2020 2021 2022 Revolving loans Revolving loans converted to term loans Total (In millions) Auto loans Performing Rs. 8,466.2 Rs. 42,634.8 Rs. 89,161.9 Rs. 169,606.1 Rs. 252,295.7 Rs. 455,114.6 Rs. 5,072.1 Rs. — Rs. 1,022,351.4 Non-performing 846.1 2,866.6 5,455.2 6,323.4 2,973.5 661.7 1,315.1 — 20,441.6 Subtotal Rs. 9,312.3 Rs. 45,501.4 Rs. 94,617.1 Rs. 175,929.5 Rs. 255,269.2 Rs. 455,776.3 Rs. 6,387.2 Rs. — Rs. 1,042,793.0 Personal loans/Credit card Performing Rs. 1,374.4 Rs. 14,320.8 Rs. 67,477.1 Rs. 225,561.4 Rs. 336,526.1 Rs. 947,277.0 Rs. 381,900.4 Rs. 339,477.1 Rs. 2,313,914.3 Non-performing 201.7 910.2 4,184.4 7,967.1 3,931.7 1,722.7 6,405.6 2,734.1 28,057.5 Subtotal Rs. 1,576.1 Rs. 15,231.0 Rs. 71,661.5 Rs. 233,528.5 Rs. 340,457.8 Rs. 948,999.7 Rs. 388,306.0 Rs. 342,211.2 Rs. 2,341,971.8 Retail business banking Performing Rs. 52,347.2 Rs. 78,959.8 Rs. 97,361.4 Rs. 151,964.0 Rs. 306,673.0 Rs. 569,687.0 Rs. 1,324,274.5 Rs. — Rs. 2,581,266.9 Non-performing 3,661.9 3,736.0 3,429.5 2,598.7 2,880.8 412.2 19,101.1 — 35,820.2 Subtotal Rs. 56,009.1 Rs. 82,695.8 Rs. 100,790.9 Rs. 154,562.7 Rs. 309,553.8 Rs. 570,099.2 Rs. 1,343,375.6 Rs. — Rs. 2,617,087.1 Commercial vehicle and construction equipment finance Performing Rs. 1,837.4 Rs. 16,022.5 Rs. 69,418.2 Rs. 125,223.1 Rs. 185,561.0 Rs. 426,434.1 Rs. 101,478.2 Rs. — Rs. 925,974.5 Non-performing 210.8 1,391.5 6,224.5 8,010.6 3,883.8 651.3 4,719.0 — 25,091.5 Subtotal Rs. 2,048.2 Rs. 17,414.0 Rs. 75,642.7 Rs. 133,233.7 Rs. 189,444.8 Rs. 427,085.4 Rs. 106,197.2 Rs. — Rs. 951,066.0 Housing loans Performing Rs. 301,103.3 Rs. 85,682.1 Rs. 127,339.2 Rs. 46,798.3 Rs. 0.6 Rs. 263,480.5 Rs. — Rs. — Rs. 824,404.0 Non-performing 1,597.6 504.1 1,472.2 2,193.9 512.8 197.8 — — 6,478.4 Subtotal Rs. 302,700.9 Rs. 86,186.2 Rs. 128,811.4 Rs. 48,992.2 Rs. 513.4 Rs. 263,678.3 Rs. — Rs. — Rs. 830,882.4 Other retail loans Performing Rs. 4,260.4 Rs. 11,266.3 Rs. 20,843.1 Rs. 51,074.6 Rs. 131,647.7 Rs. 567,032.4 Rs. 691,150.7 Rs. — Rs. 1,477,275.2 Non-performing 2,989.1 1,434.6 4,470.0 10,682.7 3,645.0 1,004.1 25,233.7 — 49,459.2 Subtotal Rs. 7,249.5 Rs 12,700.9 Rs. 25,313.1 Rs. 61,757.3 Rs. 135,292.7 Rs. 568,036.5 Rs. 716,384.4 Rs. — Rs. 1,526,734.4 Total Rs. 378,896.1 Rs. 259,729.3 Rs. 496,836.7 Rs. 808,003.9 Rs. 1,230,531.7 Rs. 3,233,675.4 Rs. 2,560,650.4 Rs. 342,211.2 Rs. 9,310,534.7 Total US$ 4,994.0 US$ 3,423.3 US$ 6,548.5 US$ 10,649.8 US$ 16,218.9 US$ 42,621.3 US$ 33,750.5 US$ 4,510.5 US$ 122,716.9
Wholesale loans
Financing Receivable Credit Quality Indicators	The following table provides information on primary credit quality indicators as at March 31, 2021. Credit quality indicators-Internally assigned grade Prior 2017 2018 2019 2020 2021 Revolving Loans Total (In millions) Wholesale loans Pass Rs. 3,939.4 Rs. 3,332.3 Rs. 298,631.5 Rs. 324,816.0 Rs. 568,907.1 Rs. 2,007,206.0 Rs. 930,417.0 Rs. 4,137,249.3 Labeled — — 7,503.2 10,194.9 2,427.6 4,073.6 13,257.2 37,456.5 Non-performing 445.8 84.3 10,893.1 4,778.7 1,445.3 2,255.7 20,276.6 40,179.5 Total Rs. 4,385.2 Rs. 3,416.6 Rs. 317,027.8 Rs. 339,789.6 Rs. 572,780.0 Rs. 2,013,535.3 Rs. 963,950.8 Rs. 4,214,885.3 The following table provides information on primary credit quality indicators as at March 31, 2022. Credit quality indicators-Internally assigned grade Prior 2018 2019 2020 2021 2022 Revolving Loans Total (In millions) Wholesale loans Pass Rs. 5,289.7 Rs. 186,145.4 Rs. 195,703.7 Rs. 421,349.1 Rs. 1,006,687.4 Rs. 2,232,372.3 Rs. 984,145.8 Rs. 5,031,693.4 Labeled — 3,297.2 5,164.1 1,632.6 4,045.0 11,447.4 9,808.5 35,394.8 Non-performing 569.7 4,666.1 5,833.7 361.1 479.0 1,301.6 18,709.9 31,921.1 Total Rs. 5,859.4 Rs. 194,108.7 Rs. 206,701.5 Rs. 423,342.8 Rs. 1,011,211.4 Rs. 2,245,121.3 Rs. 1,012,664.2 Rs. 5,099,009.3 Total US$ 77.2 US$ 2,558.4 US$ 2,724.4 US$ 5,579.8 US$ 13,328.2 US$ 29,591.7 US$ 13,347.4 US$ 67,207.2
Receivable By Industry
Non-performing Financing Receivables	Non-performing As of March 31, 2021 (In millions) Gross non-performing —Consumer Loans Rs. 47,028.8 —Agri Production—Food 21,028.5 —Road Transportation 18,344.8 —Retail Trade 17,242.9 —Agri Allied 10,829.6 —Others (none greater than 5% of non-performing 99,307.8 Total Rs. 213,782.4 As of March 31, 2022 (In millions) Gross non-performing —Consumer Loans Rs. 35,554.7 US$ 468.6 —Agri Production—Food 23,569.7 310.7 —Retail Trade 15,124.1 199.3 —Agri Allied 13,255.0 174.7 —Road Transportation 12,961.6 170.8 —Consumer services 10,352.3 136.4 —Others (none greater than 5% of non-performing 86,452.1 1,139.6 Total Rs. 197,269.5 US$ 2,600.1 Summary information relating to non-performing Fiscal year ended March 31, 2020 2021 2022 2022 (In millions) Average impaired loans Rs. 148,924.7 Rs. 185,604.7 Rs. 205,526.0 US$ 2,708.9 Interest income recognized on non-performing Rs. 10,160.5 Rs. 7,025.3 Rs. 11,881.0 US$ 156.6

Concentrations of credit risk (

Concentrations of credit risk (Tables)	12 Months Ended
Concentrations of credit risk (Tables)	Mar. 31, 2022
Schedules of Concentration of Risk, by Risk Factor	The Bank’s portfolio of loans, credit substitute securities and non-funded As of March 31, 2021 Category Gross loans Fair value of Non-funded Total % (In millions, except percentages) Consumer Loans Rs. 3,241,292.9 Rs. — Rs. 2,578.6 Rs. 3,243,871.5 23.5 Power 630,189.4 76,449.1 30,299.7 736,938.2 5.3 Retail Trade 540,350.3 — 21,747.7 562,098.0 4.1 NBFC 415,787.6 83,596.5 2,789.6 502,173.7 3.6 Financial Institutions 443,257.3 21,147.1 3.7 464,408.1 3.4 Consumer Services 424,765.4 2,048.0 17,743.6 444,557.0 3.2 Automobile & Auto Ancillary 381,562.7 18,556.9 35,757.0 435,876.6 3.2 Coal & Petroleum Products 172,989.4 190,457.8 59,803.5 423,250.7 3.1 Road Transportation 368,388.5 — 8,572.3 376,960.8 2.7 Infrastructure Development 167,416.1 15,879.7 190,154.9 373,450.7 2.7 Food and Beverage 342,573.5 240.4 29,321.5 372,135.4 2.7 Real Estate & Property Services 298,277.1 4,872.2 35,737.9 338,887.2 2.5 Agri Production — Food 337,904.8 — 998.1 338,902.9 2.5 Wholesale Trade — Non Industrial 301,508.2 2,065.6 17,816.8 321,390.6 2.3 Iron and Steel 248,140.2 13,116.6 53,192.5 314,449.3 2.3 Wholesale Trade — Industrial 258,854.1 — 51,891.6 310,745.7 2.3 Textiles & Garments 257,577.9 6,882.2 27,498.8 291,958.9 2.1 Engineering 189,952.7 6,448.4 92,218.6 288,619.7 2.1 Others (none greater than 2%) 3,022,929.8 105,516.4 538,019.5 3,666,465.7 26.4 Total Rs. 12,043,717.9 Rs. 547,276.9 Rs. 1,216,145.9 Rs. 13,807,140.7 100.0 As of March 31, 2022 Category Gross loans Fair value of Non-funded exposure Total Total % (In millions, except percentages) Consumer Loans Rs. 3,746,781.7 Rs. — Rs. 3,035.7 Rs. 3,749,817.4 US$ 49,424.2 22.7 Power 671,859.4 70,346.0 52,366.6 794,572.0 10,472.8 4.8 Financial Institutions 618,494.1 51,844.1 13.1 670,351.3 8,835.5 4.1 NBFC 509,445.4 106,764.5 5,818.5 622,028.4 8,198.6 3.8 Retail Trade 589,947.3 — 28,857.8 618,805.1 8,156.1 3.7 Coal & Petroleum Products 233,583.7 174,424.6 149,716.9 557,725.2 7,351.1 3.4 Infrastructure Development 272,428.0 18,032.7 220,442.5 510,903.2 6,733.9 3.1 Automobile & Auto Ancillary 443,538.7 19,768.7 36,999.9 500,307.3 6,594.3 3.0 Consumer Services 465,465.8 — 28,102.4 493,568.2 6,505.4 3.0 Food and Beverage 433,042.2 — 39,007.2 472,049.4 6,221.8 2.9 Wholesale Trade—Non Industrial 417,954.8 — 26,147.5 444,102.3 5,853.5 2.7 Real Estate & Property Services 383,765.5 4,792.6 40,694.4 429,252.5 5,657.7 2.6 Wholesale Trade—Industrial 347,202.9 — 73,867.5 421,070.4 5,549.9 2.5 Road Transportation 406,376.4 — 10,269.5 416,645.9 5,491.6 2.5 Iron and Steel 321,587.7 12,486.0 80,515.7 414,589.4 5,464.5 2.5 Telecom 331,131.1 2,989.4 43,335.9 377,456.4 4,975.0 2.3 Textiles & Garments 324,419.6 6,135.7 43,748.6 374,303.9 4,933.5 2.3 Engineering 253,105.1 6,666.6 105,164.7 364,936.4 4,810.0 2.2 Agri Production—Food 350,859.6 — 963.1 351,822.7 4,637.2 2.1 Others (none greater than 2%) 3,288,555.0 108,769.3 546,407.8 3,943,732.1 51,980.1 23.8 Total Rs. 14,409,544.0 Rs. 583,020.2 Rs. 1,535,475.3 Rs. 16,528,039.5 US$ 217,846.7 100.0
Exposure to ten largest borrowers
Fair Value, Concentration of Risk	The Bank’s ten largest exposures as of March 31, 2021 and March 31, 2022, based on the higher of the outstanding balance or the limit on loans, investments (including credit substitutes) and non-funded As of March 31, 2021 Funded Exposure Non-Funded Exposure Total Exposure (In millions) Borrower 1 Rs. 302,918.5 Rs. 500.0 Rs. 303,418.5 Borrower 2 192,080.2 61,446.2 253,526.4 Borrower 3 195,480.0 — 195,480.0 Borrower 4 154,997.8 548.1 155,545.9 Borrower 5 150,000.0 489.2 150,489.2 Borrower 6 148,107.3 — 148,107.3 Borrower 7 3,830.9 100,477.6 104,308.5 Borrower 8 98,919.7 2,000.0 100,919.7 Borrower 9 75,437.8 22,268.4 97,706.2 Borrower 10 90,108.0 — 90,108.0 As of March 31, 2022 Funded Exposure Non-Funded Exposure Total Exposure Total Exposure (In millions) Borrower 1 Rs. 265,661.9 Rs. 500.0 Rs. 266,161.9 US$ 3,508.1 Borrower 2 245,435.0 — 245,435.0 3,234.9 Borrower 3 119,950.5 116,547.4 236,497.9 3,117.1 Borrower 4 150,283.8 — 150,283.8 1,980.8 Borrower 5 126,639.8 19,268.4 145,908.2 1,923.1 Borrower 6 142,600.0 — 142,600.0 1,879.5 Borrower 7 140,000.0 232.0 140,232.0 1,848.3 Borrower 8 137,700.0 199.2 137,899.2 1,817.6 Borrower 9 133,670.0 — 133,670.0 1,761.8 Borrower 10 108,591.5 17,855.7 126,447.2 1,666.6

Property and equipment (Tables)

Property and equipment (Tables)	12 Months Ended
Property and equipment (Tables)	Mar. 31, 2022
Property, Plant and Equipment	Property and equipment by asset category is as follows: As of March 31, 2021 2022 2022 (In millions) Land and premises Rs. 21,205.2 Rs. 22,754.4 US$ 299.9 Software and systems 37,134.2 45,767.3 603.2 Equipment and furniture 92,610.9 106,945.7 1,409.6 Property and equipment, at cost 150,950.3 175,467.4 2,312.7 Less: Accumulated depreciation 97,855.9 109,641.0 1,445.1 Property and equipment, net Rs. 53,094.4 Rs. 65,826.4 US$ 867.6

Other assets (Tables)

Other assets (Tables)	12 Months Ended
Other assets (Tables)	Mar. 31, 2022
Other Assets Disclosure	Other assets include the following: As of March 31, 2021 2022 2022 (In millions) Security deposits for leased property Rs. 5,483.3 Rs. 5,687.6 US$ 75.0 Sundry accounts receivable 46,755.4 52,033.2 685.8 Advance income tax (in excess of current tax expense) 33,915.5 41,941.6 552.8 Advances 7,790.4 10,705.4 141.1 Prepaid expenses 1,963.8 4,333.2 57.1 Deposits/Margins paid 12,125.1 10,330.7 136.2 Derivatives (see note 23) 84,406.7 80,202.3 1,057.1 Term placements 105,204.8 471,502.0 6,214.6 Receivable on account of trade date 4,928.5 2,025.2 26.7 Right use 64,548.8 71,572.2 943.4 Others* 89,850.5 114,420.9 1,508.0 Total Rs. 456,972.8 Rs. 864,754.3 US$ 11,397.8 * Others include equity securities with carrying value amounting to Rs. 20,600.1 million and Rs. 14,736.7 million as at March 31, 2021 and March 31, 2022, respectively. Equity securities include non-marketable of Unrealized gain/(loss) non-interest amount t o s .

Deposits (Tables)

Deposits (Tables)	12 Months Ended
Deposits (Tables)	Mar. 31, 2022
Deposit Liabilities Table Disclosures	Deposits includ e non-interest-bearing, As of March 31, 2021 2022 2022 (In millions) Interest-bearing: Savings deposits Rs. 4,034,924.8 Rs. 5,117,372.1 US$ 67,449.2 Time deposits 7,191,543.0 8,080,607.6 106,506.0 Total interest-bearing deposits 11,226,467.8 13,197,979.7 173,955.2 Non-interest-bearing 2,110,762.4 2,382,052.2 31,396.5 Total Rs. 13,337,230.2 Rs.15,580,031.9 US$ 205,351.7
Time Deposits By Maturity	As of March 31, 2022, the scheduled maturities for total time deposits were as follows: As of March 31, 2022 (In millions) Due to mature in the fiscal year ending March 31: 2023 Rs. 6,186,602.3 US$ 81,542.1 2024 963,603.9 12,700.7 2025 321,124.9 4,232.6 2026 203,446.6 2,681.5 2027 331,003.9 4,362.8 Thereafter 74,826.0 986.3 Total Rs. 8,080,607.6 US$ 106,506.0

Short-term borrowings (Tables)

Short-term borrowings (Tables)	12 Months Ended
Short-term borrowings (Tables)	Mar. 31, 2022
Short-Term Borrowings	Short-term borrowings are mainly comprised of money market borrowings which are unsecured and are utilized by the Bank for its operations. Short-term borrowings as of March 31, 2021 and March 31, 2022 were comprised of the following: As of March 31, 2021 2022 2022 (In millions) Borrowed in the call market Rs. 8,860.5 Rs. 9,001.8 US$ 118.6 Term borrowings from institutions/banks 27,411.6 114,500.0 1,509.2 Foreign currency borrowings 202,992.0 430,665.8 5,676.4 Total Rs. 239,264.1 Rs. 554,167.6 US$ 7,304.2 Total borrowings outstanding: Maximum amount outstanding Rs. 384,035.9 Rs. 805,872.6 US$ 10,621.8 Average amount outstanding Rs. 223,582.3 Rs. 377,877.2 US$ 4,980.6 Weighted average interest rate 1.4 % 1.6 % 1.6 %

Long-term debt (Tables)

Long-term debt (Tables)	12 Months Ended
Long-term debt (Tables)	Mar. 31, 2022
Schedule of Long-term Debt Instruments	The below table presents the balance of long-term debt as of March 31, 2021 and March 31, 2022 and the related contractual rates and maturity dates: As of March 31, 2021 March 31, 2022 Maturity / Call dates Stated interest rates Total Maturity / Call dates Stated interest rates Total Total (In millions) Subordinated debt Subordinated debt (other than perpetual debt) 2022-2031 7.35% to 10.20% Rs. 126,240.0 2023-2031 7.35% to 10.20% Rs. 89,759.4 US$ 1,183.1 Perpetual debt—(1) 2023-2030 8.84% to 9.70% 84,976.1 2023-2030 7.55% to 9.70% 93,848.2 1,237.0 Perpetual debt—(2) — — — 2027 3.70% 75,216.3 991.4 Others* Variable rate—(1) 2022-2024 0.11% to 1.33% 50,935.8 2023-2024 1.40% to 1.80% 40,045.9 527.8 Variable rate—(2) 2022-2025 5.90% to 7.75% 97,418.0 2023-2027 4.40% to 6.90% 82,243.1 1,083.9 Fixed rate 2022-2032 2.80% to 9.56% 815,188.3 2023-2030 2.80% to 9.21% 1,173,220.5 15,463.6 Total Rs. 1,174,758.2 Rs. 1,554,333.4 US$ 20,486.8 * Variable rate—( 1) and Perpetual debt—(2) represent T-bill
Maturities of Long-Term Debt Disclosures	The scheduled maturities of long-term debt are set out below: As of March 31, 2022 (In millions) Due in the fiscal year ending March 31: 2023 Rs. 246,509.4 US$ 3,249.1 2024 569,939.4 7,512.1 2025 247,262.4 3,259.0 2026 38,998.9 514.0 2027 90,990.6 1,199.3 Thereafter 191,568.2 2,525.0 Total (1) Rs. 1,385,268.9 US$ 18,258.5 (1) The scheduled maturities of long-term debt do not include perpetual bonds of Rs. 169,064.5
Long-term Debt
Schedule of Long-term Debt Instruments	Long-term debt as of March 31, 2021 and March 31, 2022 was As of March 31, 2021 2022 2022 (In millions) Subordinated debt Rs. 211,270.0 Rs. 259,452.5 US$ 3,419.7 Others* 964,014.9 1,295,854.3 17,079.9 Less: Debt issuance cost (526.7 ) (973.4 ) (12.8 ) Total Rs. 1,174,758.2 Rs. 1,554,333.4 US$ 20,486.8 * Includes securities sold under repurchase agreements amounting to Rs. 90,200.0 million with a stated interest rate of 4.0% per annum and Rs. 90,200 m s under RBI long-term repo operation with a three- year maturity period.

Accrued expenses and other li_2

Accrued expenses and other liabilities (Tables)	12 Months Ended
Accrued expenses and other liabilities (Tables)	Mar. 31, 2022
Accrued Expenses and Other Liabilities	Accrued expenses and other liabilities include the amounts set forth below: As of March 31, 2021 2022 2022 (In millions) Bills payable Rs. 124,241.9 Rs. 130,937.4 US$ 1,725.8 Remittances in transit 54,657.2 91,766.3 1,209.5 Accrued expenses 69,103.2 58,522.2 771.3 Accounts payable 143,827.0 152,309.2 2,007.5 Derivatives ( see 81,880.0 74,819.2 986.1 Lease liabilities 70,422.0 78,138.0 1,029.9 Others 86,965.1 94,969.2 1,251.8 Total Rs. 631,096.4 Rs. 681,461.5 US$ 8,981.9

Accumulated other comprehensi_2

Accumulated other comprehensive income (Tables)	12 Months Ended
Accumulated other comprehensive income (Tables)	Mar. 31, 2022
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, 2021 and March 31, 2022. Available for sale securities Foreign currency translation reserve Total (In millions) Balance, March 31, 2020 Rs. 49,225.4 Rs. 3,106.2 Rs. 52,331.6 Net unrealized gain/(loss) arising during the period (740.6 ) (1,132.8 ) (1,873.4 ) Amounts reclassified to income (23,271.9 ) — (23,271.9 ) Balance, March 31, 2021 Rs. 25,212.9 Rs. 1,973.4 Rs. 27,186.3 Balance, March 31, 2021 Rs. 25,212.9 Rs. 1,973.4 Rs. 27,186.3 Net unrealized gain/(loss) arising during the period (36,088.6 ) 1,297.5 (34,791.1 ) Amounts reclassified to income (10,187.7 ) — (10,187.7 ) Balance, March 31, 2022 Rs. (21,063.4 ) Rs. 3,270.9 Rs. (17,792.5 ) Balance, March 31, 2022 US$ (277.6 ) US$ 43.1 US$ (234.5 )
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 years As of March 31, 2021 2022 2022 (In millions) Available for sale debt securities: Realized (gain)/loss on sales of available for sale debt securities, net Rs. (34,014.8 ) Rs. (10,699.4 ) US$ (141.0 ) Allowance on available for sale debt securities 2,915.1 (2,915.1 ) (38.4 ) Total before income tax Rs. (31,099.7 ) Rs. (13,614.5 ) US$ (179.4 ) Income tax 7,827.8 3,426.8 45.1 Net of income tax Rs. (23,271.9 ) Rs. (10,187.7 ) US$ (134.3 )

Non-interest revenue (Tables)

Non-interest revenue (Tables)	12 Months Ended
Non-interest revenue (Tables)	Mar. 31, 2022
Summary of Disaggregation of Revenue	The table below presents the fees and commissions disaggregated by revenue source for the years ended March 31, 2020, March 31, 2021 and March 31, 2022. Fiscal years ended March 31, 2020 2021 2022 2022 (In millions) Deposit related fees Rs. 29,031.9 Rs. 28,150.4 Rs. 37,415.4 US$ 493.2 Lending related fees 30,699.9 30,973.1 40,532.5 534.2 Third-party products related fees 28,169.6 35,733.0 44,216.1 582.8 Payments and cards business fees 58,899.3 50,758.2 56,170.2 740.3 Others 13,298.8 19,795.7 24,645.3 324.9 Fees and commissions Rs. 160,099.5 Rs. 165,410.4 Rs. 202,979.5 US$ 2,675.4
Summary of Disaggregation of Revenue from Business Segments	The table below presents the fees and commission disaggregated by segment for the years ended March 31, 2020, March 31, 2021 and March 31, 2022. Fiscal year ended March 31, 2020 2021 2022 2022 (In millions) Retail Banking Rs. 146,855.7 Rs. 153,018.2 Rs. 182,464.1 US$ 2,405.0 Wholesale Banking 13,041.6 11,712.7 19,802.0 261.0 Treasury Services 202.2 679.5 713.4 9.4 Fees and commissions Rs. 160,099.5 Rs. 165,410.4 Rs. 202,979.5 US$ 2,675.4

Income taxes (Tables)

Income taxes (Tables)	12 Months Ended
Income taxes (Tables)	Mar. 31, 2022
Income Tax Expense	Income tax expense is comprised of the following: Fiscal year ended March 31, 2020 2021 2022 2022 (In millions) Current tax expense Rs. 105,587.8 Rs. 122,087.4 Rs. 142,446.5 US$ 1,877.5 Deferred tax (benefit) expense (101.2 ) (8,267.3 ) (9,887.3 ) (130.3 ) Interest on income tax refund (6.6 ) — — — Income tax expense Rs. 105,480.0 Rs. 113,820.1 Rs. 132,559.2 US$ 1,747.2
Reconciliation of Income Taxes at Indian Statutory Income Tax Rate to Income Tax Expense as Reported	The following is a reconciliation of income taxes at the Indian statutory income tax rate to income tax expense as reported: Fiscal year ended March 31, 2020 2021 2022 2022 (In millions) Income before income tax expense Rs. 365,844.0 Rs. 439,826.5 Rs. 519,162.2 US$ 6,842.6 Statutory income tax rate 25.17 % 25.17 % 25.17 % 25.17 % Expected income tax expense 92,075.6 110,695.5 130,662.7 1,722.2 Adjustments to reconcile expected income tax to actual income tax expense Interest on income tax refund (4.9 ) — — — Stock-based compensation 1,881.6 2,668.7 3,493.1 46.0 Income subject to rates other than the — — (2,347.6 ) (30.9 ) Income exempt from taxes (744.2 ) (62.3 ) — — Effect of change in statutory income tax rate 11,213.2 — — — Others, net 1,058.7 518.2 751.0 9.9 Income tax expense Rs. 105,480.0 Rs. 113,820.1 Rs. 132,559.2 US$ 1,747.2
Tax Effects of Significant Temporary Differences	The tax effects of significant temporary differences are as follows: As of March 31, 2021 2022 2022 (In millions) Tax effect of: Deductible temporary differences: Allowance for loan losses Rs. 67,584.1 Rs. 79,821.5 US$ 1,052.1 Investments available for sale debt securities — 6,997.0 92.2 Lease liabilities 17,723.8 19,745.8 260.3 Employee benefits 752.3 728.1 9.6 Accrued expenses and other liabilities 4,997.1 3,772.1 49.7 Others 1,904.4 2,158.9 28.4 Deferred tax asset 92,961.7 113,223.4 1,492.3 Taxable temporary differences: Right-of-use 17,723.8 19,745.8 260.3 Investments available for sale debt securities 8,567.9 — — Loan origination cost and fees 3,456.0 5,024.1 66.2 Investments, others 2,874.2 3,097.2 40.8 Deferred tax liability 32,621.9 27,867.1 367.3 Net deferred tax asset (liability) Rs. 60,339.8 Rs. 85,356.3 US$ 1,125.0
Reconciliation of Beginning and Ending Balance of Unrecognized Tax Benefits	A reconciliation of the beginning and ending balance of unrecognized tax benefits is as follows: Fiscal year ended March 31, 2021 2022 202 2 (In millions) Opening balance Rs. 37,103.2 Rs. 43,048.0 US$ 567.4 Settlements related to prior year tax positions (221.5 ) (1,985.0 ) (26.2 ) Increase related to prior year tax positions 892.8 — — Increase related to current year tax positions Rs. 5,273.5 Rs. 5,711.3 US$ 75.3 Closing balance Rs. 43,048.0 Rs. 46,774.3 US$ 616.5

Stock-based compensation (Table

Stock-based compensation (Tables)	12 Months Ended
Stock-based compensation (Tables)	Mar. 31, 2022
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, 2020 2021 2022 Dividend yield 0.61%-0.85% 0.61% 0.43%-0.46% Expected volatility 15.30%-20.13% 20.13%-28.93% 21.71%-31.79% Risk-free interest rate 5.81%-6.70% 4.63%-5.75% 4.99%-6.43% Expected term (in years) 2.82-5.42 2.65-5.43 2.59-5.36
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 year ending March 31, 2020 2021 2022 Options available to be granted, beginning of period 202,413,370 159,487,350 104,694,170 Equity shares allocated for grant under the plan — — — Options granted (47,773,600 ) (57,466,600 ) (25,628,600 ) Forfeited/lapsed 4,847,580 2,673,420 2,926,850 Options available to be granted, end of period 159,487,350 104,694,170 81,992,420 Activity in the options outstanding under the employee stock option scheme is as follows: Years ended March 31, 2020 2021 2022 Options Weighted average exercise price Options Weighted average exercise price Options Weighted average exercise price Options outstanding, beginning of period 136,612,822 Rs. 682.99 142,865,602 Rs. 899.03 168,168,760 Rs. 1,063.79 Granted 47,773,600 1,220.13 57,466,600 1,235.80 25,628,600 1,427.29 Exercised (36,673,240 ) 504.10 (29,490,022 ) 596.85 (32,764,494 ) 796.52 Forfeited (4,813,580 ) 965.64 (2,032,110 ) 1,163.29 (2,639,100 ) 1,231.84 Lapsed (34,000 ) 568.10 (641,310 ) 929.57 (287,750 ) 870.34 Options outstanding, end of period 142,865,602 Rs. 899.03 168,168,760 Rs. 1,063.79 158,106,016 Rs. 1,175.65 Options exercisable, end of period 64,464,392 Rs. 638.18 64,453,260 Rs. 834.48 65,321,116 Rs. 1,036.49 Weighted average fair value of options granted during the year Rs. 305.78 Rs. 320.42 Rs. 415.12
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, 2022: As of March 31, 2022 Plan Range of exercise price Number of shares arising out of options Weighted average remaining life (years) Weighted average exercise price Plan F Rs. 417.75 to Rs. 731.08 (or US$ 5.51 to US$ 9.64) 17,564,766 1.07 666.77 Plan G Rs. 882.85 to Rs. 1,516.95 (or US$ 11.64 to US$ 19.99) 140,541,250 2.70 1,239.25

Retirement benefits (Tables)

Retirement benefits (Tables)	12 Months Ended
Retirement benefits (Tables)	Mar. 31, 2022
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, 2021 and March 31, 2022 are summarized in the table below. As of March 31, 2021 As of March 31, 2022 Level 1 Level 2 Level 3 Level 1 Level 2 Level 3 (In millions) Funds managed by insurance company (1) Rs. — Rs. — Rs. 664.1 Rs. — Rs. — Rs. 779.8 Funds managed by insurance company (2) — 7,445.5 — — 9,016.0 — Funds managed by trust — Government securities — 87.6 — — 68.1 — — Debenture and bonds — 123.5 — — 53.0 — — Others 27.2 — — 111.1 — — Total Rs. 27.2 Rs. 7,656.6 Rs. 664.1 Rs. 111.1 Rs. 9,137.1 Rs. 779.8 US$ 1.5 US$ 120.4 US$ 10.3
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 years 2021 and 2022. Funds managed by Insurance companies as of March 31, 2021 2022 2022 (In millions) Particulars Opening balance Rs. 600.2 Rs. 664.1 US$ 8.8 Realized interest credited to fund 60.5 48.1 0.6 Contribution during the period 104.5 131.1 1.7 Amount paid towards claim (101.1 ) (63.5 ) (0.8 ) Closing balance Rs. 664.1 Rs. 779.8 US$ 10.3
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, 2021 and March 31, 2022: As of March 31, 2021 2022 2022 (In millions) Change in benefit obligations: Projected benefit obligation (“PBO”), beginning of the period Rs. 7,883.0 Rs. 9,819.6 US$ 129.4 Service cost 1,107.0 1,268.0 16.7 Interest cost 561.6 631.2 8.3 Actuarial(gains)/ losses 759.4 (260.6 ) (3.4 ) Benefits paid (491.4 ) (769.5 ) (10.1 ) Projected benefit obligation, end of the period 9,819.6 10,688.7 140.9 Change in plan assets: Fair value of plan assets, beginning of the period 5,779.8 8,344.6 110.1 Expected return on plan assets 448.4 574.1 7.6 Actuarial gains/(losses) 1,223.0 237.1 3.1 Actual return on plan assets 1,671.4 811.2 10.7 Employer contributions 1,384.8 1,633.0 21.5 Benefits paid (491.4 ) (769.5 ) (10.1 ) Fair value of plan assets, end of the period 8,344.6 10,019.3 132.2 Funded Status Rs. (1,475.0 ) Rs. (669.4 ) US$ (8.8 )
Schedule of Net Benefit Costs	Net gratuity cost for the years ended March 31, 2020, March 31, 2021 and March 31, 2022 was comprised of the following components: Fiscal years ended March 31, 2020 2021 2022 2022 (In millions) Service cost Rs. 965.4 Rs. 1,107.0 Rs. 1,268.0 US$ 16.7 Interest cost 483.3 561.6 631.2 8.3 Expected return on plan assets (389.9 ) (448.4 ) (574.1 ) (7.6 ) Actuarial (gains)/losses 989.4 (463.6 ) (497.7 ) (6.5 ) Net gratuity cost Rs. 2,048.2 Rs. 756.6 Rs. 827.4 US$ 10.9
Schedule of Assumptions Used	The assumptions used in accounting for the gratuity plan are set out below: Fiscal years ended March 31, 2020 2021 2022 (% per annum) Discount rate* 6.0-7.5 4.4-7.0 5.1-7.3 Rate of increase in compensation levels of covered employees 7.0-8.0 5.0-9.0 6.0-11.0 Rate of return on plan assets 6.0-7.0 4.4-7.0 5.1-7.0 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) 2023 Rs. 1,360.9 2024 1,203.2 2025 992.8 2026 1,006.3 2027 1,021.9 2028 - 2032 3,409.9
Schedule of Allocation of Plan Assets	As at March 31, 2022, the plan assets as a percentage of the total funds were as follows: As of March 31, 2022 Funds managed by insurance company (1)* Funds managed by insurance company (2)* Funds managed by trust Government securities 79.5 % 25.9 % 26.9 % Debenture and bonds 14.0 % 23.9 % 23.4 % Equity securities 5.7 % 44.7 % — Other 0.8 % 5.5 % 49.7 % Total 100.0 % 100.0 % 100.0 % * The data pertaining to plan investment assets measured at fair value by level and total at March 31, 2022 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, 2021 and March 31, 2022: As of March 31, 2021 2022 2022 (In millions) Change in benefit obligations: Projected benefit obligation (“PBO”), beginning of the period Rs. 598.2 Rs. 862.0 US$ 11.4 Plan amendment (prior service cost) — 76.9 1.0 Service cost 14.6 16.1 0.2 Interest cost 37.7 55.8 0.7 Actuarial (gains)/losses 327.9 34.4 0.5 Benefits paid (116.4 ) (204.3 ) (2.7 ) Projected benefit obligation, end of the period 862.0 840.9 11.1 Change in plan assets: Fair value of plan assets, beginning of the period 95.2 3.3 — Expected return on plan assets 3.2 0.4 — Actuarial gains/(losses) (1.7 ) 2.3 0.1 Actual return on plan assets 1.5 2.7 0.1 Employer contributions 23.0 207.0 2.7 Benefits paid (116.4 ) (204.3 ) (2.7 ) Fair value of plan assets, end of the period 3.3 8.7 0.1 Funded Status Rs. (858.7 ) Rs. (832.2 ) US$ (11.0 )
Schedule of Net Benefit Costs	Net pension cost for the years ended March 31, 2020, March 31, 2021 and March 31, 2022 was comprised of the following components: As of March 31, 2020 2021 2022 2022 (In millions) Service cost Rs. 6.5 Rs. 14.6 Rs. 93.0 US$ 1.2 Interest cost 45.3 37.7 55.8 0.7 Expected return on plan assets (11.0 ) (3.2 ) (0.4 ) — Actuarial (gains)/losses 12.4 329.6 32.1 0.4 Net pension cost Rs. 53.2 Rs. 378.7 Rs. 180.5 US$ 2.3
Schedule of Assumptions Used	The assumptions used in accounting for the pension plan are set out below: Fiscal years ended March 31, 2020 2021 2022 (% per annum) Discount rate* 7.5 7.0 7.3 Rate of increase in compensation levels of covered employees 7.0 7.0 7.0 Rate of return on plan assets 7.0 6.5 6.5 Mortality rates used are based on the published “Indian Assured Lives Mortality (2012-2014) Ultimate” table. * Weighted average assumptions used to determine both benefit obligations and net periodic benefit cost.
Schedule of Expected Benefit Payments	The following benefit payments, which include benefits attributable to expected future service, as appropriate, are expected to be paid. Year ending March 31, Benefit payments (In millions) 2023 Rs. 140.2 2024 147.6 2025 134.1 2026 45.5 2027 49.7 2028-2032 717.5
Schedule of Allocation of Plan Assets	The weighted-average asset allocation of said plan assets for the pension benefits as at March 31, 2022 is as follows: Asset category Funds managed by trust Government securities 90.8 % Debenture and bonds 9.2 % Other — % Total 100.0 %

Financial instruments (Tables)

Financial instruments (Tables)	12 Months Ended
Financial instruments (Tables)	Mar. 31, 2022
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, 2021 and March 31, 2022, together with the fair value on each reporting date. As of March 31, 2021 Notional Gross Assets Gross Liabilities Net Fair Value (In millions) Interest rate derivatives Rs. 3,155,410.2 Rs. 32,217.2 Rs. 33,894.0 Rs. (1,676.8 ) Forward rate agreements 20,887.8 270.0 64.1 205.9 Currency options 202,402.7 1,078.7 1,510.7 (432.0 ) Currency swaps 237,081.5 8,126.4 4,940.8 3,185.6 Forward exchange contracts 4,964,726.6 42,714.4 41,470.4 1,244.0 Total Rs. 8,580,508.8 Rs. 84,406.7 Rs. 81,880.0 Rs. 2,526.7 As of March 31, 2022 Notional Gross Assets Gross Liabilities Net Fair Value Notional Net Fair Value (In millions) Interest rate derivatives Rs. 5,142,612.3 Rs. 28,564.1 Rs. 27,644.4 Rs. 919.7 US$ 67,781.9 US$ 12.1 Forward rate agreements 50,610.7 1,574.1 14.8 1,559.3 667.1 20.6 Currency options 434,371.3 1,845.1 2,439.5 (594.4 ) 5,725.2 (7.8 ) Currency swaps 308,757.4 10,463.6 4,312.3 6,151.3 4,069.6 81.1 Forward exchange contracts 6,551,871.8 37,755.4 40,408.2 (2,652.8 ) 86,356.6 (35.0 ) Total Rs. 12,488,223.5 Rs. 80,202.3 Rs. 74,819.2 Rs. 5,383.1 US$ 164,600.4 US$ 71.0
Schedule of Derivative Instruments, Gain (Loss) in Statement of Financial Performance	The following table summarizes certain information related to derivative amounts recognized in income: Non-interest revenue, net– Derivatives for the years ended March 31, 2020 2021 2022 2022 (In millions) Interest rate derivatives Rs. (2,572.2 ) Rs. 773.9 Rs. 3,207.7 US$ 42.3 Forward rate agreements — 205.9 1,374.1 18.1 Currency options 585.5 1,191.1 167.3 2.2 Currency swaps 3,465.5 (3,309.2 ) (1,682.0 ) (22.2 ) Forward exchange contracts 2,071.2 (2,114.7 ) (1,645.1 ) (21.7 ) Total gains/(losses) Rs. 3,550.0 Rs. (3,253.0 ) Rs. 1,422.0 US$ 18.7
Amounts Subject to Enforceable Netting Arrangements	As of March 31, 2021 Amounts subject to enforceable netting arrangements Effects of offsetting on balance sheet Related amounts not offset Gross Amounts Amounts offset Net amounts reported in the balance sheet Financial instruments Financial collateral (1) Net amount (In millions) Financial assets Derivative assets Rs. 84,406.7 Rs. — Rs. 84,406.7 Rs. 55,002.7 Rs. 4,065.5 Rs. 25,338.5 Securities purchased under agreements to resell 270,060.0 — 270,060.0 — 270,060.0 — Financial liabilities Derivative liabilities Rs. 81,880.0 Rs. — Rs. 81,880.0 Rs. 55,002.7 Rs. 4,816.3 Rs. 22,061.0 Securities sold under repurchase agreements 356,059.2 — 356,059.2 — 356,059.2 — Long-term debt 90,200.0 — 90,200.0 — 90,200.0 — (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, 2022 Amounts subject to enforceable netting arrangements Effects of offsetting on balance sheet Related amounts not offset Gross Amounts Amounts offset Net amounts reported in the balance sheet Financial instruments Financial collateral (1) Net amount (In millions) Financial assets Derivative assets Rs. 80,202.3 Rs. — Rs. 80,202.3 Rs. 48,942.8 Rs. 8,022.9 Rs. 23,236.6 US$ 306.3 Securities purchased under agreements to resell 373,053.3 — 373,053.3 — 373,053.3 — — Financial liabilities Derivative liabilities Rs. 74,819.2 Rs. — Rs. 74,819.2 Rs. 48,942.8 Rs. 1,697.2 Rs. 24,179.2 US$ 318.7 Securities sold under repurchase agreements 151,844.9 — 151,844.9 — 151,844.9 — — Long Term debt 90,200.0 — 90,200.0 — 90,200.0 — — (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, 2021 2022 2022 (In millions) Nominal values: Bank guarantees: Financial guarantees Rs. 334,040.8 Rs. 422,406.2 US$ 5,567.5 Performance guarantees 421,162.2 417,227.2 5,499.2 Documentary credits 376,536.2 615,639.6 8,114.4 Total Rs. 1,131,739.2 Rs. 1,455,273.0 US$ 19,181.1 Estimated fair value: Guarantees Rs. (5,500.7 ) Rs. (5,760.7 ) US$ (75.9 ) Documentary credits (543.4 ) (822.8 ) (10.8 ) Total Rs. (6,044.1 ) Rs. (6,583.5 ) US$ (86.7 )
Summary of allowance for Credit Losses on Off-Balance sheet credit exposures and undrawn commitments	The allowance for credit losses included in accrued expenses and other liabilities on Off-Balance As of March 31, 2021 2022 2022 (In millions) Allowance for credit losses, beginning of the period Rs. 3,226.8 Rs. 5,581.5 US$ 73.6 Impact of Adoption of ASC 326 2,296.6 — — Provision for credit exposures 58.1 506.1 6.7 Allowance for credit losses, end of the period Rs. 5,581.5 Rs. 6,087.6 US$ 80.3

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, 2022
Fair Value, by Balance Sheet Grouping	A comparison of the fair value and carrying value of financial instruments is set out below: As of March 31, 2021 March 31, 2022 Estimated fair value Estimated fair value Carrying value Level 1 Level 2 Level 3 Total Carrying value Level 1 Level 2 Level 3 Total Carrying Estimated fair value (In millions) Financial Assets: Cash and due from banks, and restricted cash Rs. 930,694.7 Rs. 930,694.7 Rs. — Rs. — Rs. 930,694.7 Rs. 1,122,031.1 Rs. 1,122,031.1 Rs. — Rs. — Rs. 1,122,031.1 US$ 14,788.9 US$ 14,788.9 Investments held for trading 99,620.2 — 99,620.2 — 99,620.2 53,199.5 304.1 52,895.4 — 53,199.5 701.2 701.2 Investments available for sale debt securities 4,275,449.9 176,015.8 3,938,270.2 161,163.9 4,275,449.9 4,388,563.1 174,680.3 4,069,988.1 143,894.7 4,388,563.1 57,843.2 57,843.2 Securities purchased under agreements to resell 270,060.0 — 270,060.0 — 270,060.0 373,053.3 — 373,053.3 — 373,053.3 4,917.0 4,917.0 Loans 11,700,189.2 — 2,807,875.9 9,066,940.1 11,874,816.0 14,036,872.2 — 3,311,277.1 10,976,971.8 14,288,248.9 185,012.2 188,325.4 Accrued interest receivable 118,762.9 — 118,762.9 — 118,762.9 134,467.7 — 134,467.7 — 134,467.7 1,772.3 1,772.3 Other assets 320,187.5 11,869.8 306,640.9 — 318,510.7 686,475.6 3,889.8 680,762.1 — 684,651.9 9,048.1 9,024.0 Financial Liabilities Interest-bearing deposits 11,226,467.8 — 11,282,540.2 — 11,282,540.2 13,197,979.7 — 13,240,403.7 — 13,240,403.7 173,955.2 174,514.3 Non-interest-bearing 2,110,762.4 — 2,110,762.4 — 2,110,762.4 2,382,052.2 — 2,382,052.2 — 2,382,052.2 31,396.5 31,396.5 Securities sold under repurchase agreements 356,059.2 — 356,059.2 — 356,059.2 151,844.9 — 151,844.9 — 151,844.9 2,001.4 2,001.4 Short-term borrowings 239,264.1 — 238,700.3 — 238,700.3 554,167.6 — 552,737.9 — 552,737.9 7,304.2 7,285.3 Accrued interest payable 77,969.1 — 77,969.1 — 77,969.1 82,412.8 — 82,412.8 — 82,412.8 1,086.2 1,086.2 Long-term debt 1,174,758.2 — 1,200,953.4 — 1,200,953.4 1,554,333.4 — 1,554,540.2 — 1,554,540.2 20,486.8 20,489.5 Accrued expenses and other liabilities 445,135.7 — 445,135.7 — 445,135.7 499,905.7 — 499,905.7 — 499,905.7 6,589.0 6,589.0

Segment information (Tables)

Segment information (Tables)	12 Months Ended
Segment information (Tables)	Mar. 31, 2022
Schedule of Segment Reporting Information, by Segment	Summarized segment information for the years ended March 31, 2020, March 31, 2021 and March 31, 2022: Fiscal year ended March 31, 2020 2021 Retail Banking Wholesale Banking Treasury Services Total Retail Banking Wholesale Banking Treasury Services Total (In millions) Net interest income/ Rs. 356,017.3 Rs. 204,725.8 Rs. 32,784.3 Rs. 593,527.4 Rs. 361,343.5 Rs. 278,431.0 Rs. 43,912.0 Rs. 683,686.5 Net interest income/ 127,065.9 (101,002.5 ) (26,063.4 ) — 176,420.0 (143,863.7 ) (32,556.3 ) — Net interest revenue 483,083.2 103,723.3 6,720.9 593,527.4 537,763.5 134,567.3 11,355.7 683,686.5 Less: Provision for credit 104,516.8 13,105.1 — 117,621.9 145,822.0 8,411.4 — 154,233.4 Net interest revenue, after 378,566.4 90,618.2 6,720.9 475,905.5 391,941.5 126,155.9 11,355.7 529,453.1 Non-interest 161,890.1 36,059.1 269.8 198,219.0 175,447.7 72,420.1 5,107.9 252,975.7 Non-interest (278,605.8 ) (27,774.0 ) (1,900.7 ) (308,280.5 ) (306,461.1 ) (34,238.4 ) (1,902.8 ) (342,602.3 ) Income before income tax Rs. 261,850.7 Rs. 98,903.3 Rs. 5,090.0 Rs. 365,844.0 Rs. 260,928.1 Rs. 164,337.6 Rs. 14,560.8 Rs. 439,826.5 Income tax expense Rs. 105,480.0 Rs. 113,820.1 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 Rs. 9,356,987.2 Rs. 7,011,959.9 Rs. 1,610,834.9 Rs. 17,979,782.0 Fiscal year ended March 31, 2022 Retail Banking Wholesale Banking Treasury Services Total Total (In millions) Net interest income/(expense) Rs. 418,823.0 Rs. 297,694.0 Rs. 32,322.5 Rs. 748,839.5 US$ 9,869.9 Net interest income/(expense) 141,001.2 (113,339.0 ) (27,662.2 ) — — Net interest revenue 559,824.2 184,355.0 4,660.3 748,839.5 9,869.9 Less: Provision for credit losses 122,622.6 4,356.9 — 126,979.5 1,673.6 Net 437,201.6 179,998.1 4,660.3 621,860.0 8,196.3 Non-interest 203,468.5 55,813.2 11,292.5 270,574.2 3,566.3 Non-interest (345,321.5 ) (25,544.1 ) (2,406.4 ) (373,272.0 ) (4,920.0 ) Income before income tax Rs. 295,348.6 Rs. 210,267.2 Rs. 13,546.4 Rs. 519,162.2 US$ 6,842.6 Income tax expense Rs. 132,559.2 US$ 1,747.2 Segment assets: Segment total assets Rs. 11,384,802.9 Rs. 8,106,671.0 Rs. 1,622,231.6 Rs. 21,113,705.5 US$ 278,287.9

Commitments and contingencies (

Commitments and contingencies (Tables)	12 Months Ended
Commitments and contingencies (Tables)	Mar. 31, 2022
Summary Of Operating Lease Right Of Use Asset And Lease Liability	The Bank is party to operating leases for certain of its office premises and employee residences, with a renewal at the option of the Bank. Operating lease right-of-use As of March 31, 2021 2022 2022 (In millions) Right-of-use Rs. 64,548.8 Rs.71,572.2 US$ 943.4 Lease liabilities 70,422.0 78,138.0 1,029.9
Operating Leases of Lessee Disclosure	The total lease expenses were as follows: As of March 31, 2020 2021 2022 2022 (In millions) The total minimum lease expense during the year recognized in the consolidated statement of income Rs. 13,698.7 Rs. 14,244.4 Rs.13,866.6 US$ 182.8
Schedule of Future Minimum Rental Payments for Operating Leases	The future minimum lease payments as of March 31, 2022 were as follows: Due in fiscal year ending March 31: Operating leases (In millions, except for weighted averages) 2023 Rs. 12,894.8 US$ 170.0 2024 11,818.6 155.8 2025 11,351.1 149.6 2026 11,029.9 145.4 2027 10,485.0 138.2 Thereafter 54,653.2 720.4 Total lease payments Rs. 112,232.6 US$ 1,479.4 Less: imputed interest 34,094.6 449.5 Total operating lease liabilities Rs. 78,138.0 US$ 1,029.9 Weighted average remaining lease term (in years) 9.7 9.7 Weighted average discount rate 7.0 % 7.0 %
Movement in Provision for Reward Points	The movement in provision for credit card and debit card reward points as of March 31, 2021 and March 31, 2022 is as follows: As of March 31, 2021 2022 2022 (In millions) Opening provision of reward points Rs. 7,341.5 Rs. 6,387.9 US$ 84.2 Provision made during the year 3,752.1 4,651.3 61.3 Utilization/write back of provision (4,026.7 ) (4,137.7 ) (54.5 ) Effect of change in rate of accrual of reward points (679.0 ) (542.4 ) (7.1 ) Closing provision of reward points Rs. 6,387.9 Rs. 6,359.1 US$ 83.9

Related party transactions (Tab

Related party transactions (Tables)	12 Months Ended
Related party transactions (Tables)	Mar. 31, 2022
Schedule of Related Party Transactions	Balances payable to related parties are as follows: As of March 31, 2021 2022 Principal owner Others Total Principal owner Others Total Total (In millions) Balances in non-interest-bearing Rs. 31,834.6 Rs. 9,732.0 Rs. 41,566.6 Rs. 20,695.1 Rs. 6,273.0 Rs. 26,968.1 US$ 355.5 Balances in interest-bearing deposits 3,772.1 1,830.5 5,602.6 6,719.8 875.0 7,594.8 100.1 Accrued expenses and other liabilities 1,110.5 — 1,110.5 641.4 — 641.4 8.5 Total Rs. 36,717.2 Rs. 11,562.5 Rs. 48,279.7 Rs. 28,056.3 Rs. 7,148.0 Rs. 35,204.3 US$ 464.1 Balances receivable from related parties are as follows: As of March 31, 2021 2022 Principal owner Others Total Principal owner Others Total Total (In millions) Loans Rs. — Rs. 10.6 Rs. 10.6 Rs. — Rs. 7.4 Rs. 7.4 US$ 0.1 Other assets 1,390.9 1,627.7 3,018.6 656.5 1,498.7 2,155.2 28.4 Total Rs. 1,390.9 Rs. 1,638.3 Rs. 3,029.2 Rs. 656.5 Rs. 1,506.1 Rs. 2,162.6 US$ 28.5 Included in the determination of net income are the following significant transactions with related parties: Fiscal year ended March 31, 2020 2021 2022 Principal owner Others Total Principal owner Others Total Principal owner Others Total Total (In millions) Non-interest Rs. 3,089.4 Rs. 17,001.7 Rs. 20,091.1 Rs. 3,246.5 Rs. 19,801.6 Rs. 23,048.1 Rs. 4,639.3 Rs. 22,939.5 Rs. 27578.8 US$ 363.5 Interest and Dividend — 1,194.2 1,194.2 — 552.5 552.5 — 0.1 0.1 — Interest expense-Deposits (85.3 ) (84.2 ) (169.5 ) (108.0 ) (171.3 ) (279.3 ) (204.3 ) (82.2 ) (286.5 ) (3.8 ) Non-interest (5,840.8 ) (3,119.6 ) (8,960.4 ) (5,874.4 ) (2,856.3 ) (8,730.7 ) (7,182.4 ) (4,558.9 ) (11,741.3 ) (154.8 ) Non-interest (25.8 ) (9.7 ) (35.5 ) (24.3 ) (5.2 ) (29.5 ) (19.2 ) — (19.2 ) (0.3 )

Earnings per equity share (Tabl

Earnings per equity share (Tables)	12 Months Ended
Earnings per equity share (Tables)	Mar. 31, 2022
Weighted-average number of shares	As of March 31, 2020 2021 2022 Weighted average number of equity shares used in computing basic earnings per equity share 5,468,802,148 5,499,587,357 5,533,113,800 Effect of potential equity shares for stock options outstanding 36,990,405 23,890,989 30,366,023 Weighted average number of equity shares used in computing diluted earnings per equity share 5,505,792,553 5,523,478,346 5,563,479,823
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, 2020 2021 2022 2022 Basic earnings per share Rs. 47.59 Rs. 59.27 Rs. 69.76 US$ 0.92 Effect of potential equity shares for stock options outstanding 0.32 0.25 0.38 0.01 Diluted earnings per share Rs. 47.27 Rs. 59.02 Rs. 69.38 US$ 0.91 Basic earnings per ADS Rs. 142.77 Rs. 177.81 Rs. 209.28 US$ 2.76 Effect of potential equity shares for stock options outstanding 0.96 0.75 1.14 0.03 Diluted earnings per ADS Rs. 141.81 Rs. 177.06 Rs. 208.14 US$ 2.73

Fair value measurement (Tables)

Fair value measurement (Tables)	12 Months Ended
Fair value measurement (Tables)	Mar. 31, 2022
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, 2021 and March 31, 2022: Particulars As of March 31, 2021 (In millions) Beginning balance at April 1, 2020 Rs. 127,454.3 Total gains or losses (realized/unrealized) -Included in net income — -Included in other comprehensive income 2,236.4 Purchases/additions 80,406.3 Sales — Issuances — Settlements (48,933.1 ) Transfers into Level 3 — Transfers out of Level 3 — Foreign currency translation adjustment — Ending balance at March 31, 2021 Rs. 161,163.9 Total amount of gains or (losses) included in net income attributable to change in unrealized gains or (losses) relating to assets still held at reporting date Rs — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period Rs 2,236.4 Particulars As of March 31, 2022 (In millions) Beginning balance at April 1, 2021 Rs. 161,163.9 Total gains or losses (realized/unrealized) -Included in net income — -Included in other comprehensive income (2,841.2 ) Purchases/additions 77,995.6 Sales — Issuances — Settlements (92,423.6 ) Transfers into Level 3 — Transfers out of Level 3 — Foreign currency translation adjustment — Ending balance at March 31, 2022 Rs. 143,894.7 Total amount of gains or (losses) included in net income attributable to change in unrealized gains or (losses) relating to assets still held at reporting date Rs — Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period Rs (3,055.8)
Investments
Fair Value Measured on Recurring Basis	The following table summarizes investments measured at fair value on a recurring basis as of March 31, 2021, segregated by the level of valuation inputs within the fair value hierarchy utilized to measure fair value: Fair Value Measurements Using Particulars Total Quoted prices in active markets for identical assets (Level 1) Significant other observable inputs (Level 2) Significant unobservable inputs (Level 3) (In millions) Trading account securities Rs. 99,620.2 Rs. — Rs. 99,620.2 Rs. — Securities available-for-sale 4,275,449.9 176,015.8 3,938,270.2 161,163.9 Equity securities * 19,577.8 11,869.8 7,708.0 — Total Rs. 4,394,647.9 Rs. 187,885.6 Rs. 4,045,598.4 Rs. 161,163.9 * Equity securities classified within other assets. The following table summarizes investments measured at fair value on a recurring basis as of March 31, 2022, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value: Fair Value Measurements Using Particulars Total Quoted prices in active markets for identical assets (Level 1) Significant other observable inputs (Level 2) Significant unobservable inputs (Level 3) (In millions) Trading account securities Rs. 53,199.5 Rs. 304.1 Rs. 52,895.4 Rs. — Securities available-for-sale 4,388,563.1 174,680.3 4,069,988.1 143,894.7 Equity securities * 12,070.8 3,889.8 8,181.0 — Total Rs. 4,453,833.4 Rs. 178,874.2 Rs. 4,131,064.5 Rs. 143,894.7 Total US$ 58,703.4 US$ 2,357.6 US$ 54,449.2 US$ 1,896.6 * 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 , 2021 , segregated by the level of valuation inputs within the fair value hierarchy: Fair Value Measurements Using Particulars Total Quoted prices in active markets for identical assets (Level 1) Significant other observable inputs (Level 2) Significant unobservable inputs (Level 3) (In millions) Derivative assets Rs. 84,406.7 Rs. — Rs. 84,406.7 Rs. — Derivative liabilities Rs. 81,880.0 Rs. — Rs. 81,880.0 Rs. — The following table summarizes derivative instruments measured at fair value on a recurring basis as of March 31, 2022, segregated by the level of valuation inputs within the fair value hierarchy: Fair Value Measurements Using Particulars Total Quoted prices in active markets for identical assets (Level 1) Significant other observable inputs (Level 2) Significant unobservable inputs (Level 3) (In millions) Derivative assets Rs. 80,202.3 Rs. — Rs. 80,202.3 Rs. — Derivative liabilities Rs. 74,819.2 Rs. — Rs. 74,819.2 Rs. —

Bank Overview - Additional Info

Bank Overview - Additional Information (Detail) - ₨ / shares	12 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Sep. 20, 2019	Sep. 19, 2019
Nature Of Business [Line Items]
Shares issued, price per share			₨ 1
Equity shares, issued	5,545,540,976	5,512,776,482	5,470,763,894
Equity shares, par value	₨ 1	₨ 1	₨ 1	₨ 2
Housing Development Finance Corporation Limited
Nature Of Business [Line Items]
Equity ownership interest of the bank's largest shareholder	21%	21.10%

Summary of Significant Accoun_4

Summary of Significant Accounting Policies - Additional Information (Detail) - Segment	12 Months Ended
	Mar. 31, 2022	Mar. 31, 2020
Significant Accounting Policies [Line Items]
Reportable segments	3
Financial statements translation rate, Indian rupees (Rs.) equivalence of U.S. $1	75.87
Retail Loans \| Personal Loans, Credit Card Receivables, Auto Loans, Commercial Vehicle and Construction Equipment Finance
Significant Accounting Policies [Line Items]
Loans charge off period		150 days
Retail Loans \| Housing loans
Significant Accounting Policies [Line Items]
Loans charge off period		720 days
Retail Loans \| Retail Business Banking
Significant Accounting Policies [Line Items]
Loans charge off period		customer by customer basis
Minimum
Significant Accounting Policies [Line Items]
Bank voting rights	20%
Minimum \| Retail Loans
Significant Accounting Policies [Line Items]
Loans charge off period		150 days
Maximum
Significant Accounting Policies [Line Items]
Bank voting rights	50%
Maximum \| Retail Loans
Significant Accounting Policies [Line Items]
Loans charge off period		1083 days
HDFC Group [Member] \| Minimum
Significant Accounting Policies [Line Items]
Percentage of voting rights in which bank consolidates subsidiary	50%

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, 2022
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%
Equipment and furniture \| Minimum
Property, Plant and Equipment [Line Items]
Rate of depreciation	10%
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, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Restricted Cash and Cash Equivalents Items [Line Items]
Restricted cash	₨ 780,004.8	$ 10,280.8	₨ 552,005.5

Portfolio of Trading Securities

Portfolio of Trading Securities (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Schedule of Trading Securities and Other Trading Assets [Line Items]
Amortized Cost	₨ 53,728.6	$ 708.2	₨ 102,792.1
Gross Unrealized Gains	187.8	2.5	240
Gross Unrealized Losses	716.9	9.5	3,411.9
Fair Value	53,199.5	$ 701.2	99,620.2
Debt Securities
Schedule of Trading Securities and Other Trading Assets [Line Items]
Amortized Cost	31,795.1		49,879.9
Gross Unrealized Gains	59.6		129.1
Gross Unrealized Losses	27.9		3
Fair Value	31,826.8		50,006
Debt Securities \| Government of India securities
Schedule of Trading Securities and Other Trading Assets [Line Items]
Amortized Cost	28,159.7		15,076
Gross Unrealized Gains	57.7		85.8
Gross Unrealized Losses	21.9		2.6
Fair Value	28,195.5		15,159.2
Debt Securities \| Other corporate/financial institution securities
Schedule of Trading Securities and Other Trading Assets [Line Items]
Amortized Cost	3,635.4		34,803.9
Gross Unrealized Gains	1.9		43.3
Gross Unrealized Losses	6		0.4
Fair Value	3,631.3		34,846.8
Other securities (including mutual fund units)
Schedule of Trading Securities and Other Trading Assets [Line Items]
Amortized Cost	21,933.5		52,912.2
Gross Unrealized Gains	128.2		110.9
Gross Unrealized Losses	689		3,408.9
Fair Value	₨ 21,372.7		₨ 49,614.2

Portfolio of Available for Sale

Portfolio of Available for Sale Debt Securities (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	₨ 4,416,934.2	$ 58,217.1	₨ 4,241,981.6
Gross Unrealized Gains	22,472.3	296.2	57,061
Gross Unrealized Losses	50,843.4	670.1	23,592.7
Fair Value	4,388,563.1	57,843.2	4,275,449.9
Debt securities, other than asset and mortgage-backed securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	4,273,955.4		4,084,551.2
Gross Unrealized Gains	20,952.7		52,977.7
Gross Unrealized Losses	50,262.6		23,281
Fair Value	4,244,645.5	$ 55,946.3	4,114,247.9
Debt securities, other than asset and mortgage-backed securities \| Government of India securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	3,226,917.6		3,159,905.2
Gross Unrealized Gains	10,995.6		31,824.6
Gross Unrealized Losses	42,946.3		20,225.8
Fair Value	3,194,966.9		3,171,504
Debt securities, other than asset and mortgage-backed securities \| State government securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	429,146.8		348,067.7
Gross Unrealized Gains	4,395.9		7,373.7
Gross Unrealized Losses	5,865.9		2,669.6
Fair Value	427,676.8		352,771.8
Debt securities, other than asset and mortgage-backed securities \| Government securities outside India
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	2,279.2		5,932.2
Gross Unrealized Gains	0		3.8
Gross Unrealized Losses	3.4		0
Fair Value	2,275.8		5,936
Debt securities, other than asset and mortgage-backed securities \| Credit Substitutes
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	578,922.3		534,227.1
Gross Unrealized Gains	5,381.4		13,423.1
Gross Unrealized Losses	1,283.5		373.3
Fair Value	583,020.2		547,276.9
Debt securities, other than asset and mortgage-backed securities \| Other corporate/financial institution bonds
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	36,689.5		36,419
Gross Unrealized Gains	179.8		352.5
Gross Unrealized Losses	163.5		12.3
Fair Value	36,705.8		36,759.2
Mortgage-backed securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	24.2		30.5
Gross Unrealized Gains	0		1.8
Gross Unrealized Losses	1.3		0
Fair Value	22.9		32.3
Asset-backed securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	142,954.6		157,399.9
Gross Unrealized Gains	1,519.6		4,081.5
Gross Unrealized Losses	579.5		311.7
Fair Value	143,894.7		161,169.7
Securities with gross unrealized losses
Schedule of Available-for-sale Securities [Line Items]
Fair Value	1,791,389		1,162,099.9
Securities with gross unrealized gains
Schedule of Available-for-sale Securities [Line Items]
Fair Value	₨ 2,597,174.1		₨ 3,113,350

Investments, Available for Sale

Investments, Available for Sale Debt Securities - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)	Mar. 31, 2020 INR (₨)	Mar. 31, 2022 USD ($)
Schedule of Available-for-sale Securities [Line Items]
Investments available for sale, at fair value, restricted investments	₨ 1,648,213.8		₨ 1,694,645.4		$ 21,724.2
Debt Securities, Available-for-sale, Unrealized Loss	48,815.6
Net allowance for credit losses	(2,915.1)	$ (38.4)	2,915.1
Available-for-Sale Debt Securities
Schedule of Available-for-sale Securities [Line Items]
Available for sale investments, amount eligible towards the Bank's statutory liquidity reserve requirements	3,622,643.8		3,524,275.8		47,748
Investments available for sale, at fair value, restricted investments	1,648,213.8		1,694,645.4		$ 21,724.2
Available-for-Sale Debt Securities \| Accounting Guidance [Member]
Schedule of Available-for-sale Securities [Line Items]
Net allowance for credit losses	0		₨ 2,915.1	₨ 0
HDB Debt Securities Other Than Asset And Mortgage Backed Securities \| Government Issued or Backed Securities
Schedule of Available-for-sale Securities [Line Items]
Net allowance for credit losses	0
Mortgage-backed securities
Schedule of Available-for-sale Securities [Line Items]
Net allowance for credit losses	₨ 0
Average credit rating	AAA	AAA
Asset-backed securities
Schedule of Available-for-sale Securities [Line Items]
Net allowance for credit losses	₨ 0
Average credit rating	AAA	AAA

Gross Unrealized Losses and Fai

Gross Unrealized Losses and Fair Value of Available for Sale Debt Securities (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Gain (Loss) on Securities [Line Items]
Less Than 12 Months Fair Value	₨ 756,202.7	$ 9,967.1	₨ 1,162,001.7
Less Than 12 Months Unrealized Losses	10,558.3	139.1	23,591.6
12 Months or Greater Fair Value	1,035,186.3	13,644.2	98.2
12 Months or Greater Unrealized Losses	40,285.1	531	1.1
Fair Value	1,791,389	23,611.3	1,162,099.9
Unrealized Losses	50,843.4	$ 670.1	23,592.7
Debt securities, other than asset and mortgage-backed securities
Gain (Loss) on Securities [Line Items]
Less Than 12 Months Fair Value	730,622.5		1,112,762.7
Less Than 12 Months Unrealized Losses	10,246.4		23,279.9
12 Months or Greater Fair Value	1,007,543.6		98.2
12 Months or Greater Unrealized Losses	40,016.2		1.1
Fair Value	1,738,166.1		1,112,860.9
Unrealized Losses	50,262.6		23,281
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	447,360.3		930,710
Less Than 12 Months Unrealized Losses	7,893.5		20,224.7
12 Months or Greater Fair Value	838,788.4		98.2
12 Months or Greater Unrealized Losses	35,052.8		1.1
Fair Value	1,286,148.7		930,808.2
Unrealized Losses	42,946.3		20,225.8
Debt securities, other than asset and mortgage-backed securities \| Credit Substitutes
Gain (Loss) on Securities [Line Items]
Less Than 12 Months Fair Value	118,798.2		43,455.7
Less Than 12 Months Unrealized Losses	972.4		373.3
12 Months or Greater Fair Value	37,138.9		0
12 Months or Greater Unrealized Losses	311.1		0
Fair Value	155,937.1		43,455.7
Unrealized Losses	1,283.5		373.3
Debt securities, other than asset and mortgage-backed securities \| Other corporate/financial institution bonds
Gain (Loss) on Securities [Line Items]
Less Than 12 Months Fair Value	15,823.3		4,957.2
Less Than 12 Months Unrealized Losses	163.5		12.3
12 Months or Greater Fair Value	0		0
12 Months or Greater Unrealized Losses	0		0
Fair Value	15,823.3		4,957.2
Unrealized Losses	163.5		12.3
Debt securities, other than asset and mortgage-backed securities \| State government securities
Gain (Loss) on Securities [Line Items]
Less Than 12 Months Fair Value	146,365		133,639.8
Less Than 12 Months Unrealized Losses	1,213.6		2,669.6
12 Months or Greater Fair Value	131,616.3		0
12 Months or Greater Unrealized Losses	4,652.3		0
Fair Value	277,981.3		133,639.8
Unrealized Losses	5,865.9		2,669.6
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	2,275.7		0
Less Than 12 Months Unrealized Losses	3.4		0
12 Months or Greater Fair Value	0		0
12 Months or Greater Unrealized Losses	0		0
Fair Value	2,275.7		0
Unrealized Losses	3.4		0
Mortgage-backed securities
Gain (Loss) on Securities [Line Items]
Less Than 12 Months Fair Value	23		0
Less Than 12 Months Unrealized Losses	1.3		0
12 Months or Greater Fair Value	0		0
12 Months or Greater Unrealized Losses	0		0
Fair Value	23		0
Unrealized Losses	1.3		0
Asset-backed securities
Gain (Loss) on Securities [Line Items]
Less Than 12 Months Fair Value	25,557.2		49,239
Less Than 12 Months Unrealized Losses	310.6		311.7
12 Months or Greater Fair Value	27,642.7		0
12 Months or Greater Unrealized Losses	268.9		0
Fair Value	53,199.9		49,239
Unrealized Losses	579.5		311.7
Other securities (including mutual fund units)
Gain (Loss) on Securities [Line Items]
Less Than 12 Months Fair Value	0		0
Less Than 12 Months Unrealized Losses	0		0
12 Months or Greater Fair Value	0		0
12 Months or Greater Unrealized Losses	0		0
Fair Value	0		0
Unrealized Losses	₨ 0		₨ 0

Investments, Available for Sa_2

Investments, Available for Sale Debt Securities -Summary of Allowances for Available for sale debt Securities (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Debt Securities, Available-for-sale, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	₨ 2,915.1	$ 38.4	₨ 0
Write- offs	0	0	0
Net allowance for credit losses	(2,915.1)	(38.4)	2,915.1
Allowance for credit losses, end of the period	0	$ 0	2,915.1
Debt securities, other than asset and mortgage0.0backed securities
Debt Securities, Available-for-sale, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	0
Write- offs	0
Net allowance for credit losses	0
Allowance for credit losses, end of the period	0		0
Mortgage-backed securities
Debt Securities, Available-for-sale, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	0
Write- offs	0
Net allowance for credit losses	0
Allowance for credit losses, end of the period	0		0
Asset-backed securities
Debt Securities, Available-for-sale, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	0
Write- offs	0
Net allowance for credit losses	0
Allowance for credit losses, end of the period	0		0
Other securities (including mutual fund units)
Debt Securities, Available-for-sale, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	0
Write- offs	0
Net allowance for credit losses	0
Allowance for credit losses, end of the period	0		0
Government of India securities
Debt Securities, Available-for-sale, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	0
Write- offs	0
Net allowance for credit losses	0
Allowance for credit losses, end of the period	0		0
State government securities
Debt Securities, Available-for-sale, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	0
Write- offs	0
Net allowance for credit losses	0
Allowance for credit losses, end of the period	0		0
Credit Substitutes
Debt Securities, Available-for-sale, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	2,915.1		0
Write- offs	0		0
Net allowance for credit losses	(2,915.1)		2,915.1
Allowance for credit losses, end of the period	0		2,915.1
Other corporate/financial institution bonds
Debt Securities, Available-for-sale, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	0		0
Write- offs	0		0
Net allowance for credit losses	0		0
Allowance for credit losses, end of the period	0		0
Government securities outside India
Debt Securities, Available-for-sale, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period	0
Write- offs	0
Net allowance for credit losses	0
Allowance for credit losses, end of the period	₨ 0		₨ 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, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Amortized Cost
Amortized Cost	₨ 4,416,934.2	$ 58,217.1	₨ 4,241,981.6
Fair Value
Total	4,388,563.1	57,843.2	4,275,449.9
Debt securities, other than asset and mortgage-backed securities
Amortized Cost
Within one year	881,418.9
Over one year through five years	1,492,816.4
Over five years through ten years	1,334,162.1
Over ten years	565,558
Amortized Cost	4,273,955.4		4,084,551.2
Fair Value
Within one year	882,468.1	11,631.3
Over one year through five years	1,503,308.7	19,814.3
Over five years through ten years	1,314,014.4	17,319.3
Over ten years	544,854.3	7,181.4
Total	₨ 4,244,645.5	$ 55,946.3	₨ 4,114,247.9

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, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Amortized Cost
Amortized Cost	₨ 4,416,934.2	$ 58,217.1	₨ 4,241,981.6
Fair Value
Total	4,388,563.1	57,843.2	₨ 4,275,449.9
Asset and Mortgage Backed Securities
Amortized Cost
Within one year	63,824.9
Over one year through five years	78,315.3
Over five years through ten years	774.2
Over ten years	64.4
Amortized Cost	142,978.8
Fair Value
Within one year	64,300.8	847.5
Over one year through five years	78,781.6	1,038.4
Over five years through ten years	771.9	10.2
Over ten years	63.3	0.8
Total	₨ 143,917.6	$ 1,896.9

Gross Realized Gains and Gross

Gross Realized Gains and Gross Realized Losses from Sales of Available for Sale Debt Securities and Dividends and Interest on Such Securities (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)	Mar. 31, 2020 INR (₨)
Schedule of Available-for-sale Securities [Line Items]
Gross realized gains on sale	₨ 18,604.5	$ 245.2	₨ 56,439.4	₨ 26,128.1
Gross realized losses on sale	(1,858.7)	(24.5)	(514.2)	(301.9)
Realized gains (losses), net	16,745.8	220.7	55,925.2	25,826.2
Dividends and interest	240,943	3,175.7	226,690.9	198,383.2
Total	₨ 257,688.8	$ 3,396.4	₨ 282,616.1	₨ 224,209.4

Investments, Held to Maturity -

Investments, Held to Maturity - Additional Information (Detail) - INR (₨) ₨ in Millions	Mar. 31, 2022	Mar. 31, 2021
Held to maturity securities	₨ 0	₨ 0

Fair Value of Credit Substitute

Fair Value of Credit Substitutes by Type of Instrument (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	₨ 4,416,934.2	$ 58,217.1	₨ 4,241,981.6
Fair Value	4,388,563.1	57,843.2	4,275,449.9
Debt securities, other than asset and mortgage-backed securities \| Credit Substitutes
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	578,922.3	7,630.5	534,227.1
Fair Value	583,020.2	$ 7,684.5	547,276.9
Debt securities, other than asset and mortgage-backed securities \| Credit Substitutes \| Debentures
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	577,377		524,448.4
Fair Value	581,551.5		537,472.8
Debt securities, other than asset and mortgage-backed securities \| Credit Substitutes \| Preference shares
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	77.1
Fair Value	0.5
Debt securities, other than asset and mortgage-backed securities \| Credit Substitutes \| Commercial paper
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	1,468.2		9,778.7
Fair Value	₨ 1,468.2		₨ 9,804.1

Fair Value of Credit Substitu_2

Fair Value of Credit Substitutes (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Schedule of Available-for-sale Securities [Line Items]
Pass	₨ 583,020.2	$ 7,684.5	₨ 547,276.9
Non-performing—gross balance	0	0	0
Less: Non-performing losses	0	0	0
Non-performing credit substitutes, net	0	0	0
Total credit substitutes, net	₨ 583,020.2	$ 7,684.5	₨ 547,276.9

Impaired Credit Substitutes (De

Impaired Credit Substitutes (Detail) - Debt securities, other than asset and mortgage-backed securities ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)	Mar. 31, 2022 USD ($)
Schedule of Available-for-sale Securities [Line Items]
Average non-performing credit substitutes	₨ 0	$ 0	₨ 0
Interest income recognized on non-performing credit substitutes	0	$ 0	0
Credit Substitutes
Schedule of Available-for-sale Securities [Line Items]
Gross non-performing credit substitutes	0		0	$ 0
Credit Substitutes by Industry
Schedule of Available-for-sale Securities [Line Items]
Gross non-performing 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, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Repurchase Agreement and Resale Agreement Counterparty [Line Items]
Securities purchased under agreements to resell	₨ 373,053.3	$ 4,917	₨ 270,060
Securities sold under repurchase agreements, amount outstanding	₨ 151,844.9	$ 2,001.4	₨ 356,059.2
Maximum
Repurchase Agreement and Resale Agreement Counterparty [Line Items]
Securities purchased under agreements to resell, maturity (days)	14 days
Securities sold under repurchase agreements, maturity (days)	14 days

Loans - Additional Information

Loans - Additional Information (Detail) ₨ in Millions, $ in Millions		12 Months Ended
	Apr. 01, 2020 INR (₨)	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)	Mar. 31, 2022 USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans provided as collateral for borrowings		₨ 372,013.8		₨ 406,381.7	$ 4,903.3
Purchased financing receivable outstanding		836,172.8		710,194.7
Loans receivable restructured due to unexpected event		229,800	$ 3,000	138,400
Allowance for loan losses		79,821.5		67,584.1	$ 1,052.1
Accounting Standards Update 2016-13 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable loans available for sale debt securities off balance sheet credit exposures and others credit loss expense reversal change in method	₨ 83,496.4
Cumulative adjustment to retained earnings	62,480.4
Allowance for loan losses	₨ 21,016
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
TDR modifications carrying value		0		0
Loans receivable restructured due to unexpected event		137,800		220,000
Wholesale Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable restructured due to unexpected event		₨ 600		9,800
Crop related agricultural loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of days past due up to which loans considered current		90 days	90 days
Number of past days less than to which Crop Related Agricultural loans are not considered as impaired		366 days	366 days
HDB Retail Business Banking [Member] \| Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
TDR modifications carrying value		₨ 0		₨ 0

Loans by Facility (Detail)

Loans by Facility (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)	Mar. 31, 2021 USD ($)	Mar. 31, 2020 INR (₨)	Mar. 31, 2019 INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	₨ 14,409,544	$ 189,924.1	₨ 12,043,717.9
Less: Allowance for credit losses	372,671.8	4,911.9	343,528.7	$ 4,527.9	₨ 198,833.2	₨ 148,232
Total	14,036,872.2	185,012.2	11,700,189.2
Auto loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Less: Allowance for credit losses	41,769.4		39,396.1		19,219
Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Less: Allowance for credit losses	111,566.4		110,081		47,097.1
Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Less: Allowance for credit losses	49,055		42,288.4		32,860.3
Commercial vehicle and construction equipment finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Less: Allowance for credit losses	31,750.9		26,356.7		20,463.4
Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Less: Allowance for credit losses	2,692.2		4,578		1,700.7
Other Retail
Accounts, Notes, Loans and Financing Receivable [Line Items]
Less: Allowance for credit losses	61,437		49,229.2		37,864.3
Retail Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	9,310,534.7	122,716.9	7,828,832.6
Retail Loans \| Auto loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	1,042,793	13,744.5	964,053.2
Retail Loans \| Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	2,341,971.8	30,868.2	2,042,727.2
Retail Loans \| Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	2,617,087.1	34,494.4	2,007,845.9
Retail Loans \| Commercial vehicle and construction equipment finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	951,066	12,535.5	805,329.8
Retail Loans \| Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	830,882.4	10,951.4	702,235.5
Retail Loans \| Other Retail
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	1,526,734.4	20,122.9	1,306,641
Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	5,099,009.3	$ 67,207.2	4,214,885.3
Less: Allowance for credit losses	₨ 74,400.9		₨ 71,599.3		₨ 39,628.4

Maturity of Gross Loans (Detail

Maturity of Gross Loans (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Within one year	₨ 4,699,850
Over one year through five years	7,850,512.3
Over five years	1,859,181.7
Total gross loans	14,409,544	$ 189,924.1	₨ 12,043,717.9
Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Within one year	2,174,459.2
Over one year through five years	1,844,496.2
Over five years	1,080,053.9
Total gross loans	5,099,009.3	67,207.2	4,214,885.3
Retail Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Within one year	2,525,390.8
Over one year through five years	6,006,016.1
Over five years	779,127.8
Total gross loans	₨ 9,310,534.7	$ 122,716.9	₨ 7,828,832.6

Loan Delinquency and Non-Accrua

Loan Delinquency and Non-Accrual Loans (Detail) ₨ in Millions, $ in Millions		Mar. 31, 2022 INR (₨)		Mar. 31, 2022 USD ($)		Mar. 31, 2021 INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		₨ 14,409,544		$ 189,924.1		₨ 12,043,717.9
Finance receivable on non-accrual status		197,269.5		2,600.1		213,782.4
Retail Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		9,310,534.7		122,716.9		7,828,832.6
Retail Loans \| Auto loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		1,042,793		13,744.5		964,053.2
Finance receivable on non-accrual status		20,441.6				28,476.3
Retail Loans \| Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		2,341,971.8		30,868.2		2,042,727.2
Finance receivable on non-accrual status		28,057.5				37,026.1
Retail Loans \| Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		2,617,087.1		34,494.4		2,007,845.9
Finance receivable on non-accrual status		35,820.2				31,328.9
Retail Loans \| Commercial vehicle and construction equipment finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		951,066		12,535.5		805,329.8
Finance receivable on non-accrual status		25,091.5				32,015.3
Retail Loans \| Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		830,882.4		10,951.4		702,235.5
Finance receivable on non-accrual status		6,478.4				5,171.9
Retail Loans \| Other Retail
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		1,526,734.4		20,122.9		1,306,641
Finance receivable on non-accrual status		49,459.2				39,584.4
Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		5,099,009.3		67,207.2		4,214,885.3
Finance receivable on non-accrual status		31,921.1				40,179.5
Financing Receivable, 31 to 90 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		102,237.7		1,347.5		99,078.1
Financing Receivable, 31 to 90 Days Past Due \| Retail Loans \| Auto loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		6,536.5				8,523.6
Financing Receivable, 31 to 90 Days Past Due \| Retail Loans \| Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		27,433.8				25,026.7
Financing Receivable, 31 to 90 Days Past Due \| Retail Loans \| Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		18,242.9				19,239
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		20,263				16,946
Financing Receivable, 31 to 90 Days Past Due \| Retail Loans \| Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		3,296.3				4,530.8
Financing Receivable, 31 to 90 Days Past Due \| Retail Loans \| Other Retail
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		18,009.8				18,535
Financing Receivable, 31 to 90 Days Past Due \| Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		8,455.4				6,277
Non-accrual/ 91 days or more past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		197,269.5		2,600.1		213,782.4
Non-accrual/ 91 days or more past due \| Retail Loans \| Auto loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		20,441.6				28,476.3
Non-accrual/ 91 days or more past due \| Retail Loans \| Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		28,057.5				37,026.1
Non-accrual/ 91 days or more past due \| Retail Loans \| Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		35,820.2				31,328.9
Non-accrual/ 91 days or more past due \| Retail Loans \| Commercial vehicle and construction equipment finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		25,091.5				32,015.3
Non-accrual/ 91 days or more past due \| Retail Loans \| Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		6,478.4				5,171.9
Non-accrual/ 91 days or more past due \| Retail Loans \| Other Retail
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		49,459.2				39,584.4
Non-accrual/ 91 days or more past due \| Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans		31,921.1				40,179.5
Total current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	[2]	14,110,036.8	[1]	$ 185,976.5	[1]	11,730,857.4	[3]
Total current \| Retail Loans \| Auto loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	[2]	1,015,814.9	[1]			927,053.3	[3]
Total current \| Retail Loans \| Personal loans/Credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	[2]	2,286,480.5	[1]			1,980,674.4	[3]
Total current \| Retail Loans \| Retail Business Banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	[2]	2,563,024	[1]			1,957,278	[3]
Total current \| Retail Loans \| Commercial vehicle and construction equipment finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	[2]	905,711.5	[1]			756,368.5	[3]
Total current \| Retail Loans \| Housing loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	[2]	821,107.7	[1]			692,532.8	[3]
Total current \| Retail Loans \| Other Retail
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	[2]	1,459,265.4	[1]			1,248,521.6	[3]
Total current \| Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	[2]	₨ 5,058,632.8	[1]			₨ 4,168,428.8	[3]

[1]Includes crop related agricultural loans with days past due less than 366 as they are not considered as non-performing of Rs. 34.2 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 non-performing of Rs. 33.6 billion.

Loan Delinquency and Non-Accr_2

Loan Delinquency and Non-Accrual Loans (Parenthetical) (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2022 INR (₨)	Mar. 31, 2021 INR (₨)	Mar. 31, 2022 USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	₨ 14,409,544	₨ 12,043,717.9	$ 189,924.1
Maximum
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of days past due up to which loans considered current	30 days	30 days
Number of past days less than to which Crop Related Agricultural loans are not considered as impaired	366 days	366 days
Agricultural Loan \| Not Impaired or Less Than 366 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	₨ 34,200	₨ 33,600

Summary of Gross Loans Originat

Summary of Gross Loans Origination and Internally Assigned Credit Risk Ratings (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Retail Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	₨ 378,896.1	$ 4,994	₨ 325,017
2017	259,729.3	3,423.3	223,465.6
2018	496,836.7	6,548.5	460,687
2019	808,003.9	10,649.8	875,535.7
2020	1,230,531.7	16,218.9	1,399,092.4
2021	3,233,675.4	42,621.3	2,258,375.6
Revolving Loans	2,560,650.4	33,750.5	1,961,778.3
Revolving loans converted to term loans	342,211.2	4,510.5	324,881
Total	9,310,534.7	122,716.9	7,828,832.6
Retail Loans \| Auto loans
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	9,312.3		5,335.9
2017	45,501.4		32,241.1
2018	94,617.1		105,207.5
2019	175,929.5		177,420
2020	255,269.2		274,790
2021	455,776.3		363,780.1
Revolving Loans	6,387.2		5,278.6
Revolving loans converted to term loans	0		0
Total	1,042,793		964,053.2
Retail Loans \| Personal loans/Credit card
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	1,576.1		732.4
2017	15,231		9,218.8
2018	71,661.5		51,802.5
2019	233,528.5		187,236.5
2020	340,457.8		495,307.5
2021	948,999.7		639,169.9
Revolving Loans	388,306		334,378.6
Revolving loans converted to term loans	342,211.2		324,881
Total	2,341,971.8		2,042,727.2
Retail Loans \| Retail Business Banking
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	56,009.1		38,773.6
2017	82,695.8		52,290.8
2018	100,790.9		126,526.8
2019	154,562.7		149,339.8
2020	309,553.8		211,462.3
2021	570,099.2		481,571.6
Revolving Loans	1,343,375.6		947,881
Revolving loans converted to term loans	0		0
Total	2,617,087.1		2,007,845.9
Retail Loans \| Commercial vehicle and construction equipment finance
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	2,048.2		673.7
2017	17,414		7,128.8
2018	75,642.7		49,163.8
2019	133,233.7		157,544.7
2020	189,444.8		224,501.8
2021	427,085.4		289,039.2
Revolving Loans	106,197.2		77,277.8
Revolving loans converted to term loans	0		0
Total	951,066		805,329.8
Retail Loans \| Housing loans
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	302,700.9		274,468.7
2017	86,186.2		112,841.5
2018	128,811.4		105,813.9
2019	48,992.2		153,430.6
2020	513.4		55,641.9
2021	263,678.3		38.9
Revolving Loans	0		0
Revolving loans converted to term loans	0		0
Total	830,882.4		702,235.5
Retail Loans \| Other Retail
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	7,249.5		5,032.7
2017	12,700.9		9,744.6
2018	25,313.1		22,172.5
2019	61,757.3		50,564.1
2020	135,292.7		137,388.9
2021	568,036.5		484,775.9
Revolving Loans	716,384.4		596,962.3
Revolving loans converted to term loans	0		0
Total	1,526,734.4		1,306,641
Retail Loans \| Performing \| Auto loans
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	8,466.2		4,599
2017	42,634.8		30,174.9
2018	89,161.9		99,159.5
2019	169,606.1		168,159.1
2020	252,295.7		266,277
2021	455,114.6		362,747.1
Revolving Loans	5,072.1		4,460.3
Revolving loans converted to term loans	0		0
Total	1,022,351.4		935,576.9
Retail Loans \| Performing \| Personal loans/Credit card
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	1,374.4		613.8
2017	14,320.8		8,617.1
2018	67,477.1		48,658.4
2019	225,561.4		178,532.3
2020	336,526.1		483,925.8
2021	947,277		638,007.4
Revolving Loans	381,900.4		326,118.9
Revolving loans converted to term loans	339,477.1		321,227.4
Total	2,313,914.3		2,005,701.1
Retail Loans \| Performing \| Retail Business Banking
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	52,347.2		35,189
2017	78,959.8		49,573.1
2018	97,361.4		121,663.7
2019	151,964		145,473.9
2020	306,673		209,578.9
2021	569,687		480,518.2
Revolving Loans	1,324,274.5		934,520.2
Revolving loans converted to term loans	0		0
Total	2,581,266.9		1,976,517
Retail Loans \| Performing \| Commercial vehicle and construction equipment finance
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	1,837.4		517.8
2017	16,022.5		6,292.2
2018	69,418.2		44,766.4
2019	125,223.1		146,432.4
2020	185,561		214,342.4
2021	426,434.1		287,953.1
Revolving Loans	101,478.2		73,010.2
Revolving loans converted to term loans	0		0
Total	925,974.5		773,314.5
Retail Loans \| Performing \| Housing loans
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	301,103.3		272,061.4
2017	85,682.1		111,758.9
2018	127,339.2		105,069.4
2019	46,798.3		152,564.7
2020	0.6		55,570.3
2021	263,480.5		38.9
Revolving Loans	0		0
Revolving loans converted to term loans	0		0
Total	824,404		697,063.6
Retail Loans \| Performing \| Other Retail
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	4,260.4		2,406.7
2017	11,266.3		8,530
2018	20,843.1		20,090.5
2019	51,074.6		45,854
2020	131,647.7		129,946.8
2021	567,032.4		483,241.9
Revolving Loans	691,150.7		576,986.7
Revolving loans converted to term loans	0		0
Total	1,477,275.2		1,267,056.6
Retail Loans \| Non-performing \| Auto loans
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	846.1		736.9
2017	2,866.6		2,066.2
2018	5,455.2		6,048
2019	6,323.4		9,260.9
2020	2,973.5		8,513
2021	661.7		1,033
Revolving Loans	1,315.1		818.3
Revolving loans converted to term loans	0		0
Total	20,441.6		28,476.3
Retail Loans \| Non-performing \| Personal loans/Credit card
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	201.7		118.6
2017	910.2		601.7
2018	4,184.4		3,144.1
2019	7,967.1		8,704.2
2020	3,931.7		11,381.7
2021	1,722.7		1,162.5
Revolving Loans	6,405.6		8,259.7
Revolving loans converted to term loans	2,734.1		3,653.6
Total	28,057.5		37,026.1
Retail Loans \| Non-performing \| Retail Business Banking
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	3,661.9		3,584.6
2017	3,736		2,717.7
2018	3,429.5		4,863.1
2019	2,598.7		3,865.9
2020	2,880.8		1,883.4
2021	412.2		1,053.4
Revolving Loans	19,101.1		13,360.8
Revolving loans converted to term loans	0		0
Total	35,820.2		31,328.9
Retail Loans \| Non-performing \| Commercial vehicle and construction equipment finance
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	210.8		155.9
2017	1,391.5		836.6
2018	6,224.5		4,397.4
2019	8,010.6		11,112.3
2020	3,883.8		10,159.4
2021	651.3		1,086.1
Revolving Loans	4,719		4,267.6
Revolving loans converted to term loans	0		0
Total	25,091.5		32,015.3
Retail Loans \| Non-performing \| Housing loans
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	1,597.6		2,407.3
2017	504.1		1,082.6
2018	1,472.2		744.5
2019	2,193.9		865.9
2020	512.8		71.6
2021	197.8		0
Revolving Loans	0		0
Revolving loans converted to term loans	0		0
Total	6,478.4		5,171.9
Retail Loans \| Non-performing \| Other Retail
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	2,989.1		2,626
2017	1,434.6		1,214.6
2018	4,470		2,082
2019	10,682.7		4,710.1
2020	3,645		7,442.1
2021	1,004.1		1,534
Revolving Loans	25,233.7		19,975.6
Revolving loans converted to term loans	0		0
Total	49,459.2		39,584.4
Wholesale loans
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	5,859.4	77.2	4,385.2
2017	194,108.7	2,558.4	3,416.6
2018	206,701.5	2,724.4	317,027.8
2019	423,342.8	5,579.8	339,789.6
2020	1,011,211.4	13,328.2	572,780
2021	2,245,121.3	29,591.7	2,013,535.3
Revolving Loans	1,012,664.2	13,347.4	963,950.8
Total	5,099,009.3	$ 67,207.2	4,214,885.3
Wholesale loans \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	5,289.7		3,939.4
2017	186,145.4		3,332.3
2018	195,703.7		298,631.5
2019	421,349.1		324,816
2020	1,006,687.4		568,907.1
2021	2,232,372.3		2,007,206
Revolving Loans	984,145.8		930,417
Total	5,031,693.4		4,137,249.3
Wholesale loans \| Labelled
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	0		0
2017	3,297.2		0
2018	5,164.1		7,503.2
2019	1,632.6		10,194.9
2020	4,045		2,427.6
2021	11,447.4		4,073.6
Revolving Loans	9,808.5		13,257.2
Total	35,394.8		37,456.5
Wholesale loans \| Non-performing
Financing Receivable, Credit Quality Indicator [Line Items]
Prior	569.7		445.8
2017	4,666.1		84.3
2018	5,833.7		10,893.1
2019	361.1		4,778.7
2020	479		1,445.3
2021	1,301.6		2,255.7
Revolving Loans	18,709.9		20,276.6
Total	₨ 31,921.1		₨ 40,179.5

Non-performing Loans (Detail)

Non-performing Loans (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-performing loans	₨ 197,269.5	$ 2,600.1	₨ 213,782.4
Agri Production - Food
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-performing loans	23,569.7	310.7	21,028.5
Consumer Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-performing loans	35,554.7	468.6	47,028.8
Road Transportion
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-performing loans	12,961.6	170.8	18,344.8
Retail Trade
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-performing loans	15,124.1	199.3	17,242.9
Agri-Allied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-performing loans	13,255	174.7	10,829.6
Others (none greater than 5% of non-performing loans)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-performing loans	86,452.1	1,139.6	₨ 99,307.8
Consumer Services [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-performing loans	₨ 10,352.3	$ 136.4

Summary Information Relating to

Summary Information Relating to Non-performing Loans (Detail) Loans (Detail) - Gross Loans ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)	Mar. 31, 2020 INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Average impaired loans	₨ 205,526	$ 2,708.9	₨ 185,604.7	₨ 148,924.7
Interest income recognized on non-performing loans	₨ 11,881	$ 156.6	₨ 7,025.3	₨ 10,160.5

Allowance for Credit Losses (De

Allowance for Credit Losses (Detail) ₨ in Millions, $ in Millions		12 Months Ended
		Mar. 31, 2022 INR (₨)		Mar. 31, 2022 USD ($)		Mar. 31, 2021 INR (₨)		Mar. 31, 2020 INR (₨)		Mar. 31, 2022 USD ($)
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period		₨ 343,528.7		$ 4,527.9		₨ 198,833.2		₨ 148,232
Write-offs		(134,017.8)		(1,766.5)		(119,470.7)		(92,679.6)
Net allowance for credit losses		163,160.9	[1]	2,150.5	[1]	183,153.2	[2]	143,280.8	[3]
Allowance for credit losses, end of the period		372,671.8		$ 4,911.9		343,528.7		198,833.2
Allowance for credit losses:
Allowance individually evaluated for impairment		38,454.1				36,933.6		26,426.4		$ 506.8
Allowance collectively evaluated for impairment		334,217.7				306,595.1		172,406.8		4,405.1
Loans:
Loans individually evaluated for impairment		44,738.1				46,553.7		35,423.4		589.7
Loans collectively evaluated for impairment		14,364,805.9				11,997,164.2		10,588,432.2		$ 189,334.4
Impact of ASC 326 Adoption
Financing Receivable, Allowance for Credit Loss [Line Items]
Impact of Adopting ASC 326						81,013
Auto loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period		39,396.1				19,219
Write-offs		(19,376.9)				(13,263.5)
Net allowance for credit losses		21,750.2	[1]			23,559.7	[2]
Allowance for credit losses, end of the period		41,769.4				39,396.1		19,219
Allowance for credit losses:
Allowance individually evaluated for impairment		18.4				34.7
Allowance collectively evaluated for impairment		41,751				39,361.4
Loans:
Loans individually evaluated for impairment		31.5				49.5
Loans collectively evaluated for impairment		1,042,761.5				964,003.7
Auto loans \| Impact of ASC 326 Adoption
Financing Receivable, Allowance for Credit Loss [Line Items]
Impact of Adopting ASC 326						9,880.9
Personal loans/Credit card
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period		110,081				47,097.1
Write-offs		(74,500.8)				(61,571.8)
Net allowance for credit losses		75,986.2	[1]			86,464.6	[2]
Allowance for credit losses, end of the period		111,566.4				110,081		47,097.1
Allowance for credit losses:
Allowance individually evaluated for impairment		6.5				4
Allowance collectively evaluated for impairment		111,559.9				110,077
Loans:
Loans individually evaluated for impairment		29.4				4.2
Loans collectively evaluated for impairment		2,341,942.4				2,042,723
Personal loans/Credit card \| Impact of ASC 326 Adoption
Financing Receivable, Allowance for Credit Loss [Line Items]
Impact of Adopting ASC 326						38,091.1
Retail Business Banking
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period		42,288.4				32,860.3
Write-offs		(3,027.7)				(14,951.6)
Net allowance for credit losses		9,794.3	[1]			20,432.2	[2]
Allowance for credit losses, end of the period		49,055				42,288.4		32,860.3
Allowance for credit losses:
Allowance individually evaluated for impairment		2,651.4				3,540.7
Allowance collectively evaluated for impairment		46,403.6				38,747.7
Loans:
Loans individually evaluated for impairment		2,651.4				3,560.8
Loans collectively evaluated for impairment		2,614,435.7				2,004,285.1
Retail Business Banking \| Impact of ASC 326 Adoption
Financing Receivable, Allowance for Credit Loss [Line Items]
Impact of Adopting ASC 326						3,947.5
Commercial vehicle and construction equipment finance
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period		26,356.7				20,463.4
Write-offs		(16,592)				(15,921.5)
Net allowance for credit losses		21,986.2	[1]			21,489.3	[2]
Allowance for credit losses, end of the period		31,750.9				26,356.7		20,463.4
Allowance for credit losses:
Allowance individually evaluated for impairment		65.8				59.6
Allowance collectively evaluated for impairment		31,685.1				26,297.1
Loans:
Loans individually evaluated for impairment		66.3				59.7
Loans collectively evaluated for impairment		950,999.7				805,270.1
Commercial vehicle and construction equipment finance \| Impact of ASC 326 Adoption
Financing Receivable, Allowance for Credit Loss [Line Items]
Impact of Adopting ASC 326						325.5
Housing loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period		4,578				1,700.7
Write-offs		(601.6)				(190.8)
Net allowance for credit losses		(1,284.2)	[1]			1,408.6	[2]
Allowance for credit losses, end of the period		2,692.2				4,578		1,700.7
Allowance for credit losses:
Allowance individually evaluated for impairment		0				0
Allowance collectively evaluated for impairment		2,692.2				4,578
Loans:
Loans individually evaluated for impairment		0				0
Loans collectively evaluated for impairment		830,882.4				702,235.5
Housing loans \| Impact of ASC 326 Adoption
Financing Receivable, Allowance for Credit Loss [Line Items]
Impact of Adopting ASC 326						1,659.5
Other Retail
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period		49,229.2				37,864.3
Write-offs		(17,567.4)				(9,942.8)
Net allowance for credit losses		29,775.2	[1]			21,073.4	[2]
Allowance for credit losses, end of the period		61,437				49,229.2		37,864.3
Allowance for credit losses:
Allowance individually evaluated for impairment		92.3				72.1
Allowance collectively evaluated for impairment		61,344.7				49,157.1
Loans:
Loans individually evaluated for impairment		126.6				92.7
Loans collectively evaluated for impairment		1,526,607.8				1,306,548.3
Other Retail \| Impact of ASC 326 Adoption
Financing Receivable, Allowance for Credit Loss [Line Items]
Impact of Adopting ASC 326						234.3
Wholesale loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period		71,599.3				39,628.4
Write-offs		(2,351.4)				(3,628.7)
Net allowance for credit losses		5,153	[1]			8,725.4	[2]
Allowance for credit losses, end of the period		74,400.9				71,599.3		39,628.4
Allowance for credit losses:
Allowance individually evaluated for impairment		35,619.7				33,222.5
Allowance collectively evaluated for impairment		38,781.2				38,376.8
Loans:
Loans individually evaluated for impairment		41,832.9				42,786.8
Loans collectively evaluated for impairment		₨ 5,057,176.4				4,172,098.5
Wholesale loans \| Impact of ASC 326 Adoption
Financing Receivable, Allowance for Credit Loss [Line Items]
Impact of Adopting ASC 326						26,874.2
Specific allowance for credit losses \| Retail Loans \| Auto loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period						7,814.5		6,169
Write-offs								(11,524.3)
Net allowance for credit losses	[3]							13,169.8
Allowance for credit losses, end of the period								7,814.5
Allowance for credit losses:
Allowance individually evaluated for impairment								0
Allowance collectively evaluated for impairment								7,814.5
Loans:
Loans individually evaluated for impairment								0
Loans collectively evaluated for impairment								15,279.2
Specific allowance for credit losses \| Retail Loans \| Personal loans/Credit card
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period						8,535.1		9,694
Write-offs								(41,646.3)
Net allowance for credit losses	[3]							40,487.4
Allowance for credit losses, end of the period								8,535.1
Allowance for credit losses:
Allowance individually evaluated for impairment								0
Allowance collectively evaluated for impairment								8,535.1
Loans:
Loans individually evaluated for impairment								0
Loans collectively evaluated for impairment								14,481.7
Specific allowance for credit losses \| Retail Loans \| Retail Business Banking
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period						21,687.4		21,595.3
Write-offs								(9,379)
Net allowance for credit losses	[3]							9,471.1
Allowance for credit losses, end of the period								21,687.4
Allowance for credit losses:
Allowance individually evaluated for impairment								0
Allowance collectively evaluated for impairment								21,687.4
Loans:
Loans individually evaluated for impairment								0
Loans collectively evaluated for impairment								32,866.3
Specific allowance for credit losses \| Retail Loans \| Commercial vehicle and construction equipment finance
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period						11,607.3		6,544.8
Write-offs								(10,838.5)
Net allowance for credit losses	[3]							15,901
Allowance for credit losses, end of the period								11,607.3
Allowance for credit losses:
Allowance individually evaluated for impairment								0
Allowance collectively evaluated for impairment								11,607.3
Loans:
Loans individually evaluated for impairment								0
Loans collectively evaluated for impairment								22,992.2
Specific allowance for credit losses \| Retail Loans \| Housing loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period						1,414.7		1,105.2
Write-offs								(130.3)
Net allowance for credit losses	[3]							439.8
Allowance for credit losses, end of the period								1,414.7
Allowance for credit losses:
Allowance individually evaluated for impairment								0
Allowance collectively evaluated for impairment								1,414.7
Loans:
Loans individually evaluated for impairment								0
Loans collectively evaluated for impairment								2,921.3
Specific allowance for credit losses \| Retail Loans \| Other Retail
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period						24,116.5		20,441.5
Write-offs								(12,833.1)
Net allowance for credit losses	[3]							16,508.1
Allowance for credit losses, end of the period								24,116.5
Allowance for credit losses:
Allowance individually evaluated for impairment								0
Allowance collectively evaluated for impairment								24,116.5
Loans:
Loans individually evaluated for impairment								0
Loans collectively evaluated for impairment								33,462.8
Specific allowance for credit losses \| Wholesale loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period						26,426.4		20,233.2
Write-offs								(6,328.1)
Net allowance for credit losses	[3]							12,521.3
Allowance for credit losses, end of the period								26,426.4
Allowance for credit losses:
Allowance individually evaluated for impairment								26,426.4
Allowance collectively evaluated for impairment								0
Loans:
Loans individually evaluated for impairment								35,423.4
Loans collectively evaluated for impairment								0
Unallocated allowance for credit losses \| Retail Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period						84,029.4		52,941.1
Write-offs								0
Net allowance for credit losses	[3]							31,088.3
Allowance for credit losses, end of the period								84,029.4
Allowance for credit losses:
Allowance individually evaluated for impairment								0
Allowance collectively evaluated for impairment								84,029.4
Loans:
Loans individually evaluated for impairment								0
Loans collectively evaluated for impairment								6,918,796.9
Unallocated allowance for credit losses \| Wholesale loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses, beginning of the period						₨ 13,201.9		9,507.9
Write-offs								0
Net allowance for credit losses	[3]							3,694
Allowance for credit losses, end of the period								13,201.9
Allowance for credit losses:
Allowance individually evaluated for impairment								0
Allowance collectively evaluated for impairment								13,201.9
Loans:
Loans individually evaluated for impairment								0
Loans collectively evaluated for impairment								₨ 3,547,631.8

[1]Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 36,181.2 million (US$ 476.9 million). Recoveries from retail loans is Rs. 35,385.3 million and from wholesale loans is Rs. 796.1 million.[2]Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 28,919.8 million (US$ 395.4 million). Recoveries from retail loans is Rs. 28,605.8 million and from wholesale loans is Rs. 314.0 million.[3]Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs 25,658.9 million. Recoveries from retail loans are Rs. 22,548.7 million and from wholesale loans are Rs. 3,110.2 million.

Allowance for Credit Losses (Pa

Allowance for Credit Losses (Parenthetical) (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)	Mar. 31, 2021 USD ($)	Mar. 31, 2020 INR (₨)
Financing Receivable, Allowance for Credit Loss [Line Items]
Cash recoveries, recoveries against write off cases	₨ 36,181.4	$ 476.9	₨ 28,919.8	$ 395.4	₨ 25,658.9
Retail Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Recoveries of loans	35,385.3		28,605.8		22,548.7
Wholesale loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Recoveries of loans	₨ 796.1		₨ 314		₨ 3,110.2

Interest on Loans by Facility (

Interest on Loans by Facility (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)	Mar. 31, 2020 INR (₨)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Interest on loans	₨ 1,057,925.6	$ 13,943.9	₨ 1,017,047.8	₨ 981,794.8
Wholesale loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Interest on loans	250,779.5	3,305.4	263,190.7	245,504.7
Retail Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Interest on loans	₨ 807,146.1	$ 10,638.5	₨ 753,857.1	₨ 736,290.1

Financing Receivable, Allowance

Financing Receivable, Allowance for Credit Loss on adopting ASC 326 (Detail) ₨ in Millions, $ in Millions	Apr. 01, 2020 INR (₨)	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)	Mar. 31, 2021 USD ($)	Mar. 31, 2020 INR (₨)	Mar. 31, 2019 INR (₨)
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Loans and Leases Receivable, Allowance		₨ 372,671.8	$ 4,911.9	₨ 343,528.7	$ 4,527.9	₨ 198,833.2	₨ 148,232
Allowance for Credit Losses on AFS debt securities		0	$ 0	2,915.1	$ 38.4	0
Auto mobile Loan
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Loans and Leases Receivable, Allowance		41,769.4		39,396.1		19,219
Personal Loans and Credit Card Financing Receivable [Member]
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Loans and Leases Receivable, Allowance		111,566.4		110,081		47,097.1
Retail Business Banking
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Loans and Leases Receivable, Allowance		49,055		42,288.4		32,860.3
Commercial Vehicle and Construction Equipment Finance [Member]
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Loans and Leases Receivable, Allowance		31,750.9		26,356.7		20,463.4
Home Equity Loan [Member]
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Loans and Leases Receivable, Allowance		2,692.2		4,578		1,700.7
Other Retail
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Loans and Leases Receivable, Allowance		₨ 61,437		₨ 49,229.2		₨ 37,864.3
As reported under ASC 326 \| Accounting Standards Update 2016-13 [Member]
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
As reported under ASC 326 Total	₨ 285,556.4
As reported under ASC 326 \| Accounting Standards Update 2016-13 [Member] \| Auto loans
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Notes Receivable Gross	279,846.2
As reported under ASC 326 \| Accounting Standards Update 2016-13 [Member] \| AFS debt securities [Member]
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Allowance for Credit Losses on AFS debt securities	0
As reported under ASC 326 \| Accounting Standards Update 2016-13 [Member] \| Off Balance Sheet Credit Exposures and undrawn commitments [Member]
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Allowance for Credit Losses on Off-Balance Sheet Credit Exposures and undrawn commitments	5,523.4
As reported under ASC 326 \| Accounting Standards Update 2016-13 [Member] \| Credit Losses Other [Member]
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Allowance for Credit Losses Other	186.8
As reported under ASC 326 \| Accounting Standards Update 2016-13 [Member] \| Auto mobile Loan
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Notes Receivable Gross	29,099.9
As reported under ASC 326 \| Accounting Standards Update 2016-13 [Member] \| Personal Loans and Credit Card Financing Receivable [Member]
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Notes Receivable Gross	85,188.2
As reported under ASC 326 \| Accounting Standards Update 2016-13 [Member] \| Retail Business Banking
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Notes Receivable Gross	36,807.8
As reported under ASC 326 \| Accounting Standards Update 2016-13 [Member] \| Commercial Vehicle and Construction Equipment Finance [Member]
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Notes Receivable Gross	20,788.9
As reported under ASC 326 \| Accounting Standards Update 2016-13 [Member] \| Home Equity Loan [Member]
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Notes Receivable Gross	3,360.2
As reported under ASC 326 \| Accounting Standards Update 2016-13 [Member] \| Other Retail
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Notes Receivable Gross	38,098.6
As reported under ASC 326 \| Accounting Standards Update 2016-13 [Member] \| Commercial Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Notes Receivable Gross	66,502.6
Pre-ASC 326 adoption \| Accounting Standards Update 2016-13 [Member]
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Loans and Leases Receivable, Allowance	202,060
Pre-ASC 326 adoption \| Accounting Standards Update 2016-13 [Member] \| Auto loans
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Loans and Leases Receivable, Allowance	198,833.2
Pre-ASC 326 adoption \| Accounting Standards Update 2016-13 [Member] \| AFS debt securities [Member]
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Loans and Leases Receivable, Allowance	0
Pre-ASC 326 adoption \| Accounting Standards Update 2016-13 [Member] \| Off Balance Sheet Credit Exposures and undrawn commitments [Member]
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Loans and Leases Receivable, Allowance	3,226.8
Pre-ASC 326 adoption \| Accounting Standards Update 2016-13 [Member] \| Credit Losses Other [Member]
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Loans and Leases Receivable, Allowance	0
Pre-ASC 326 adoption \| Accounting Standards Update 2016-13 [Member] \| Auto mobile Loan
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Loans and Leases Receivable, Allowance	19,219
Pre-ASC 326 adoption \| Accounting Standards Update 2016-13 [Member] \| Personal Loans and Credit Card Financing Receivable [Member]
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Loans and Leases Receivable, Allowance	47,097.1
Pre-ASC 326 adoption \| Accounting Standards Update 2016-13 [Member] \| Retail Business Banking
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Loans and Leases Receivable, Allowance	32,860.3
Pre-ASC 326 adoption \| Accounting Standards Update 2016-13 [Member] \| Commercial Vehicle and Construction Equipment Finance [Member]
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Loans and Leases Receivable, Allowance	20,463.4
Pre-ASC 326 adoption \| Accounting Standards Update 2016-13 [Member] \| Home Equity Loan [Member]
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Loans and Leases Receivable, Allowance	1,700.7
Pre-ASC 326 adoption \| Accounting Standards Update 2016-13 [Member] \| Other Retail
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Loans and Leases Receivable, Allowance	37,864.3
Pre-ASC 326 adoption \| Accounting Standards Update 2016-13 [Member] \| Commercial Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Loans and Leases Receivable, Allowance	39,628.4
Impact of ASC 326 Adoption \| Accounting Standards Update 2016-13 [Member]
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Impact of ASC 326 adoption Total	83,496.4
Impact of ASC 326 Adoption \| Accounting Standards Update 2016-13 [Member] \| Auto loans
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	81,013
Impact of ASC 326 Adoption \| Accounting Standards Update 2016-13 [Member] \| AFS debt securities [Member]
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Impact of Allowance for Credit Losses on AFS debt securities	0
Impact of ASC 326 Adoption \| Accounting Standards Update 2016-13 [Member] \| Off Balance Sheet Credit Exposures and undrawn commitments [Member]
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Impact of Allowance for Credit Losses on Off-Balance Sheet Credit Exposures and undrawn commitments	2,296.6
Impact of ASC 326 Adoption \| Accounting Standards Update 2016-13 [Member] \| Credit Losses Other [Member]
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Impact of Allowance for Credit Losses Other	186.8
Impact of ASC 326 Adoption \| Accounting Standards Update 2016-13 [Member] \| Auto mobile Loan
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	9,880.9
Impact of ASC 326 Adoption \| Accounting Standards Update 2016-13 [Member] \| Personal Loans and Credit Card Financing Receivable [Member]
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	38,091.1
Impact of ASC 326 Adoption \| Accounting Standards Update 2016-13 [Member] \| Retail Business Banking
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	3,947.5
Impact of ASC 326 Adoption \| Accounting Standards Update 2016-13 [Member] \| Commercial Vehicle and Construction Equipment Finance [Member]
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	325.5
Impact of ASC 326 Adoption \| Accounting Standards Update 2016-13 [Member] \| Home Equity Loan [Member]
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	1,659.5
Impact of ASC 326 Adoption \| Accounting Standards Update 2016-13 [Member] \| Other Retail
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	234.3
Impact of ASC 326 Adoption \| Accounting Standards Update 2016-13 [Member] \| Commercial Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Loss on adopting ASC 326 [Line Items]
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	₨ 26,874.2

Concentrations of Credit Risk_2

Concentrations of Credit Risk (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)	Mar. 31, 2022 USD ($)
Concentration Risk [Line Items]
Gross loans	₨ 14,409,544		₨ 12,043,717.9	$ 189,924.1
Fair value of credit substitutes	583,020.2		547,276.9	$ 7,684.5
Non-funded exposure	1,535,475.3		1,216,145.9
Total Exposure	₨ 16,528,039.5	$ 217,846.7	₨ 13,807,140.7
Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	100%	100%	100%
Consumer Loans
Concentration Risk [Line Items]
Gross loans	₨ 3,746,781.7		₨ 3,241,292.9
Fair value of credit substitutes	0		0
Non-funded exposure	3,035.7		2,578.6
Total Exposure	₨ 3,749,817.4	$ 49,424.2	₨ 3,243,871.5
Consumer Loans \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	22.70%	22.70%	23.50%
Retail Trade
Concentration Risk [Line Items]
Gross loans	₨ 589,947.3		₨ 540,350.3
Fair value of credit substitutes	0		0
Non-funded exposure	28,857.8		21,747.7
Total Exposure	₨ 618,805.1	$ 8,156.1	₨ 562,098
Retail Trade \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	3.70%	3.70%	4.10%
Power
Concentration Risk [Line Items]
Gross loans	₨ 671,859.4		₨ 630,189.4
Fair value of credit substitutes	70,346		76,449.1
Non-funded exposure	52,366.6		30,299.7
Total Exposure	₨ 794,572	$ 10,472.8	₨ 736,938.2
Power \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	4.80%	4.80%	5.30%
Consumer Services
Concentration Risk [Line Items]
Gross loans	₨ 465,465.8		₨ 424,765.4
Fair value of credit substitutes	0		2,048
Non-funded exposure	28,102.4		17,743.6
Total Exposure	₨ 493,568.2	$ 6,505.4	₨ 444,557
Consumer Services \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	3%	3%	3.20%
Engineering
Concentration Risk [Line Items]
Gross loans	₨ 253,105.1		₨ 189,952.7
Fair value of credit substitutes	6,666.6		6,448.4
Non-funded exposure	105,164.7		92,218.6
Total Exposure	₨ 364,936.4	$ 4,810	₨ 288,619.7
Engineering \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.20%	2.20%	2.10%
NBFC
Concentration Risk [Line Items]
Gross loans	₨ 509,445.4		₨ 415,787.6
Fair value of credit substitutes	106,764.5		83,596.5
Non-funded exposure	5,818.5		2,789.6
Total Exposure	₨ 622,028.4	$ 8,198.6	₨ 502,173.7
NBFC \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	3.80%	3.80%	3.60%
Road Transportation
Concentration Risk [Line Items]
Gross loans	₨ 406,376.4		₨ 368,388.5
Fair value of credit substitutes	0		0
Non-funded exposure	10,269.5		8,572.3
Total Exposure	₨ 416,645.9	$ 5,491.6	₨ 376,960.8
Road Transportation \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.50%	2.50%	2.70%
Automobile and Auto Ancillary
Concentration Risk [Line Items]
Gross loans	₨ 443,538.7		₨ 381,562.7
Fair value of credit substitutes	19,768.7		18,556.9
Non-funded exposure	36,999.9		35,757
Total Exposure	₨ 500,307.3	$ 6,594.3	₨ 435,876.6
Automobile and Auto Ancillary \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	3%	3%	3.20%
Real Estate and Property Services
Concentration Risk [Line Items]
Gross loans	₨ 383,765.5		₨ 298,277.1
Fair value of credit substitutes	4,792.6		4,872.2
Non-funded exposure	40,694.4		35,737.9
Total Exposure	₨ 429,252.5	$ 5,657.7	₨ 338,887.2
Real Estate and Property Services \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.60%	2.60%	2.50%
Agri Production - Food
Concentration Risk [Line Items]
Gross loans	₨ 350,859.6		₨ 337,904.8
Fair value of credit substitutes	0		0
Non-funded exposure	963.1		998.1
Total Exposure	₨ 351,822.7	$ 4,637.2	₨ 338,902.9
Agri Production - Food \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.10%	2.10%	2.50%
Coal & Petroleum Products
Concentration Risk [Line Items]
Gross loans	₨ 233,583.7		₨ 172,989.4
Fair value of credit substitutes	174,424.6		190,457.8
Non-funded exposure	149,716.9		59,803.5
Total Exposure	₨ 557,725.2	$ 7,351.1	₨ 423,250.7
Coal & Petroleum Products \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	3.40%	3.40%	3.10%
Food And Beverage
Concentration Risk [Line Items]
Gross loans	₨ 433,042.2		₨ 342,573.5
Fair value of credit substitutes	0		240.4
Non-funded exposure	39,007.2		29,321.5
Total Exposure	₨ 472,049.4	$ 6,221.8	₨ 372,135.4
Food And Beverage \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.90%	2.90%	2.70%
Financial Institutions
Concentration Risk [Line Items]
Gross loans	₨ 618,494.1		₨ 443,257.3
Fair value of credit substitutes	51,844.1		21,147.1
Non-funded exposure	13.1		3.7
Total Exposure	₨ 670,351.3	$ 8,835.5	₨ 464,408.1
Financial Institutions \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	4.10%	4.10%	3.40%
Iron and Steel
Concentration Risk [Line Items]
Gross loans	₨ 321,587.7		₨ 248,140.2
Fair value of credit substitutes	12,486		13,116.6
Non-funded exposure	80,515.7		53,192.5
Total Exposure	₨ 414,589.4	$ 5,464.5	₨ 314,449.3
Iron and Steel \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.50%	2.50%	2.30%
Telecom
Concentration Risk [Line Items]
Gross loans	₨ 331,131.1
Fair value of credit substitutes	2,989.4
Non-funded exposure	43,335.9
Total Exposure	₨ 377,456.4	$ 4,975
Telecom \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.30%	2.30%
Infrastructure Development
Concentration Risk [Line Items]
Gross loans	₨ 272,428		₨ 167,416.1
Fair value of credit substitutes	18,032.7		15,879.7
Non-funded exposure	220,442.5		190,154.9
Total Exposure	₨ 510,903.2	$ 6,733.9	₨ 373,450.7
Infrastructure Development \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	3.10%	3.10%	2.70%
Wholesale Trade - Non Industrial
Concentration Risk [Line Items]
Gross loans	₨ 417,954.8		₨ 301,508.2
Fair value of credit substitutes	0		2,065.6
Non-funded exposure	26,147.5		17,816.8
Total Exposure	₨ 444,102.3	$ 5,853.5	₨ 321,390.6
Wholesale Trade - Non Industrial \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.70%	2.70%	2.30%
Wholesale Trade - Industrial
Concentration Risk [Line Items]
Gross loans	₨ 347,202.9		₨ 258,854.1
Fair value of credit substitutes	0		0
Non-funded exposure	73,867.5		51,891.6
Total Exposure	₨ 421,070.4	$ 5,549.9	₨ 310,745.7
Wholesale Trade - Industrial \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.50%	2.50%	2.30%
Others (none greater than 2%)
Concentration Risk [Line Items]
Gross loans	₨ 3,288,555		₨ 3,022,929.8
Fair value of credit substitutes	108,769.3		105,516.4
Non-funded exposure	546,407.8		538,019.5
Total Exposure	₨ 3,943,732.1	$ 51,980.1	₨ 3,666,465.7
Others (none greater than 2%) \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	23.80%	23.80%	26.40%
Textiles and Garments
Concentration Risk [Line Items]
Gross loans	₨ 324,419.6		₨ 257,577.9
Fair value of credit substitutes	6,135.7		6,882.2
Non-funded exposure	43,748.6		27,498.8
Total Exposure	₨ 374,303.9	$ 4,933.5	₨ 291,958.9
Textiles and Garments \| Lender Concentration Risk \| Concentration of Credit Risk by Industry
Concentration Risk [Line Items]
%	2.30%	2.30%	2.10%

Exposures to Ten Largest Borrow

Exposures to Ten Largest Borrowers Computed as per RBI Guidelines, Based on Higher of Outstanding Balance or Limit on Loans, Investments (Including Credit Substitutes) and Non-Funded Exposures (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Concentration Risk [Line Items]
Total Exposure	₨ 16,528,039.5	$ 217,846.7	₨ 13,807,140.7
Borrower 1
Concentration Risk [Line Items]
Total Exposure	266,161.9	3,508.1	303,418.5
Borrower 1 \| Funded Exposure
Concentration Risk [Line Items]
Total Exposure	265,661.9		302,918.5
Borrower 1 \| Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	500		500
Borrower 2
Concentration Risk [Line Items]
Total Exposure	245,435	3,234.9	253,526.4
Borrower 2 \| Funded Exposure
Concentration Risk [Line Items]
Total Exposure	245,435		192,080.2
Borrower 2 \| Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	0		61,446.2
Borrower 3
Concentration Risk [Line Items]
Total Exposure	236,497.9	3,117.1	195,480
Borrower 3 \| Funded Exposure
Concentration Risk [Line Items]
Total Exposure	119,950.5		195,480
Borrower 3 \| Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	116,547.4		0
Borrower 4
Concentration Risk [Line Items]
Total Exposure	150,283.8	1,980.8	155,545.9
Borrower 4 \| Funded Exposure
Concentration Risk [Line Items]
Total Exposure	150,283.8		154,997.8
Borrower 4 \| Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	0		548.1
Borrower 5
Concentration Risk [Line Items]
Total Exposure	145,908.2	1,923.1	150,489.2
Borrower 5 \| Funded Exposure
Concentration Risk [Line Items]
Total Exposure	126,639.8		150,000
Borrower 5 \| Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	19,268.4		489.2
Borrower 6
Concentration Risk [Line Items]
Total Exposure	142,600	1,879.5	148,107.3
Borrower 6 \| Funded Exposure
Concentration Risk [Line Items]
Total Exposure	142,600		148,107.3
Borrower 6 \| Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	0		0
Borrower 7
Concentration Risk [Line Items]
Total Exposure	140,232	1,848.3	104,308.5
Borrower 7 \| Funded Exposure
Concentration Risk [Line Items]
Total Exposure	140,000		3,830.9
Borrower 7 \| Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	232		100,477.6
Borrower 8
Concentration Risk [Line Items]
Total Exposure	137,899.2	1,817.6	100,919.7
Borrower 8 \| Funded Exposure
Concentration Risk [Line Items]
Total Exposure	137,700		98,919.7
Borrower 8 \| Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	199.2		2,000
Borrower 9
Concentration Risk [Line Items]
Total Exposure	133,670	1,761.8	97,706.2
Borrower 9 \| Funded Exposure
Concentration Risk [Line Items]
Total Exposure	133,670		75,437.8
Borrower 9 \| Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	0		22,268.4
Borrower 10
Concentration Risk [Line Items]
Total Exposure	126,447.2	$ 1,666.6	90,108
Borrower 10 \| Funded Exposure
Concentration Risk [Line Items]
Total Exposure	108,591.5		90,108
Borrower 10 \| Non-Funded Exposure
Concentration Risk [Line Items]
Total Exposure	₨ 17,855.7		₨ 0

Property and Equipment - Additi

Property and Equipment - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)	Mar. 31, 2020 INR (₨)
Property, Plant and Equipment [Line Items]
Depreciation and amortization	₨ 16,816.9	$ 221.7	₨ 13,860.2	₨ 12,800.3

Property and Equipment by Asset

Property and Equipment by Asset Category (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Property, Plant and Equipment [Line Items]
Land and premises	₨ 22,754.4	$ 299.9	₨ 21,205.2
Software and systems	45,767.3	603.2	37,134.2
Equipment and furniture	106,945.7	1,409.6	92,610.9
Property and equipment, at cost	175,467.4	2,312.7	150,950.3
Less: Accumulated depreciation	109,641	1,445.1	97,855.9
Property and equipment, net	₨ 65,826.4	$ 867.6	₨ 53,094.4

Goodwill - Additional Informati

Goodwill - Additional Information (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)	Mar. 31, 2021 USD ($)
Goodwill and Intangible Assets Disclosure [Line Items]
Goodwill	₨ 74,937.9	$ 987.7	₨ 74,937.9	$ 987.7

Other Assets (Detail)

Other Assets (Detail) ₨ in Millions, $ in Millions		Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Other Assets Disclosure [Line Items]
Security deposits for leased property		₨ 5,687.6	$ 75	₨ 5,483.3
Sundry accounts receivable		52,033.2	685.8	46,755.4
Advance income tax (in excess of current tax expense)		41,941.6	552.8	33,915.5
Advances		10,705.4	141.1	7,790.4
Prepaid expenses		4,333.2	57.1	1,963.8
Deposits/Margins paid		10,330.7	136.2	12,125.1
Derivatives (see note 23)		80,202.3	1,057.1	84,406.7
Term placements		471,502	6,214.6	105,204.8
Receivable on account of trade date		2,025.2	26.7	4,928.5
Others	[1]	114,420.9	1,508	89,850.5
Total		₨ 864,754.3	$ 11,397.8	₨ 456,972.8
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]		Total	Total	Total
Other Assets [Member]
Other Assets Disclosure [Line Items]
Right-of-use assets		₨ 71,572.2	$ 943.4	₨ 64,548.8

[1]Others include equity securities with carrying value amounting to Rs. 20,600.1 million and Rs. 14,736.7 million as at March 31, 2021 and March 31, 2022, respectively. Equity securities include non-marketable equity securities carried at cost of Rs. 999.2 million and Rs. 2,665.9 million as at March 31, 2021 and March 31, 2022, respectively. Unrealized gain/(loss) recognized in non-interest revenue–other, net amount to Rs. 7,618.1 million and Rs. (7,633.5) million for the years ended March 31, 2021 and March 31, 2022, respectively.

Other Assets (Parenthetical) (D

Other Assets (Parenthetical) (Detail) ₨ in Millions, $ in Millions		12 Months Ended
		Mar. 31, 2022 INR (₨)	Mar. 31, 2021 INR (₨)	Mar. 31, 2022 USD ($)
Other Assets Disclosure [Line Items]
Other assets	[1]	₨ 114,420.9	₨ 89,850.5	$ 1,508
Unrealized gain/(loss) recognized in non-interest revenue–other, net			7,618.1
Unrealized gain/(loss) recognized in non-interest revenue–other, net		(7,633.5)
Equity securities
Other Assets Disclosure [Line Items]
Other assets		14,736.7	20,600.1
Equity securities \| Non Marketable Equity Securities [Member]
Other Assets Disclosure [Line Items]
Other assets		₨ 2,665.9	₨ 999.2

[1]Others include equity securities with carrying value amounting to Rs. 20,600.1 million and Rs. 14,736.7 million as at March 31, 2021 and March 31, 2022, respectively. Equity securities include non-marketable equity securities carried at cost of Rs. 999.2 million and Rs. 2,665.9 million as at March 31, 2021 and March 31, 2022, respectively. Unrealized gain/(loss) recognized in non-interest revenue–other, net amount to Rs. 7,618.1 million and Rs. (7,633.5) million for the years ended March 31, 2021 and March 31, 2022, respectively.

Deposits - Additional Informati

Deposits - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Deposits From Banking Clients [Line Items]
Time deposits with residual maturity of one year or less	₨ 6,186,602.3	$ 81,542.1	₨ 5,901,654.6
Time deposits	₨ 8,080,607.6	$ 106,506	7,191,543
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. 500000
Deposits From Banking Clients [Line Items]
Time deposits	₨ 6,938,558		₨ 6,101,456.2

Deposits (Detail)

Deposits (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Interest-bearing:
Savings deposits	₨ 5,117,372.1	$ 67,449.2	₨ 4,034,924.8
Time deposits	8,080,607.6	106,506	7,191,543
Total interest-bearing deposits	13,197,979.7	173,955.2	11,226,467.8
Non-interest-bearing deposits	2,382,052.2	31,396.5	2,110,762.4
Total	₨ 15,580,031.9	$ 205,351.7	₨ 13,337,230.2

Deposits - Scheduled Maturities

Deposits - Scheduled Maturities for Total Time Deposits (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Due to mature in the fiscal year ending March 31:
2023	₨ 6,186,602.3	$ 81,542.1	₨ 5,901,654.6
2024	963,603.9	12,700.7
2025	321,124.9	4,232.6
2026	203,446.6	2,681.5
2027	331,003.9	4,362.8
Thereafter	74,826	986.3
Total	₨ 8,080,607.6	$ 106,506	₨ 7,191,543

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, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)	Mar. 31, 2022 USD ($)
Short-term Debt [Line Items]
Short-term borrowings	₨ 554,167.6		₨ 239,264.1	$ 7,304.2
Weighted average interest rate	1.60%		1.40%	1.60%
Maximum amount outstanding	₨ 805,872.6	$ 10,621.8	₨ 384,035.9
Average amount outstanding	377,877.2	$ 4,980.6	223,582.3
Borrowed in the call market
Short-term Debt [Line Items]
Short-term borrowings	9,001.8		8,860.5	$ 118.6
Term borrowings from institutions/banks
Short-term Debt [Line Items]
Short-term borrowings	114,500		27,411.6	1,509.2
Foreign currency borrowings
Short-term Debt [Line Items]
Short-term borrowings	₨ 430,665.8		₨ 202,992	$ 5,676.4

Long-Term Debt - Additional Inf

Long-Term Debt - Additional Information (Detail) ₨ in Millions, $ in Millions		12 Months Ended
		Mar. 31, 2022 INR (₨)	Mar. 31, 2021 INR (₨)	Mar. 31, 2022 USD ($)
Debt Instrument [Line Items]
Subordinated debt, debt raised during the year		₨ 0	₨ 3,565
Other long term debt, debt raised during the year		638,226.4	478,424.2
Perpetual debt, debt raised during the year		84,682.5	0
Other long-term debt	[1]	1,295,854.3	964,014.9	$ 17,079.9
Foreign currency borrowings
Debt Instrument [Line Items]
Other long-term debt		40,170	51,188.9
Functional currency borrowings
Debt Instrument [Line Items]
Other long-term debt		₨ 1,255,684.3	₨ 912,826

[1]Includes securities sold under repurchase agreements amounting to Rs. 90,200.0 million with a stated interest rate of 4.0% per annum and Rs. 90,200 (US$ 1,188.9 million) with stated interest rate of 4.0% per annum for the years ended March 31, 2021 and March 31, 2022, respectively, under RBI long-term repo operation with a three- year maturity period.

Long-Term Debt (Detail)

Long-Term Debt (Detail) ₨ in Millions, $ in Millions		Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Debt Instrument [Line Items]
Subordinated debt		₨ 259,452.5	$ 3,419.7	₨ 211,270
Others	[1]	1,295,854.3	17,079.9	964,014.9
Less: Debt issuance cost		(973.4)	(12.8)	(526.7)
Total		₨ 1,554,333.4	$ 20,486.8	₨ 1,174,758.2

[1]Includes securities sold under repurchase agreements amounting to Rs. 90,200.0 million with a stated interest rate of 4.0% per annum and Rs. 90,200 (US$ 1,188.9 million) with stated interest rate of 4.0% per annum for the years ended March 31, 2021 and March 31, 2022, respectively, under RBI long-term repo operation with a three- year maturity period.

Long-Term Debt (Parenthetical)

Long-Term Debt (Parenthetical) (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Debt Instrument [Line Items]
Securities sold under repurchase agreements	₨ 151,844.9		₨ 356,059.2
Securities sold under repurchase agreement
Debt Instrument [Line Items]
Securities sold under repurchase agreements	₨ 90,200	$ 1,188.9	₨ 90,200
Interest rate	4%	4%	4%

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, 2022 INR (₨)	Mar. 31, 2021 INR (₨)	Mar. 31, 2022 USD ($)
Debt Instrument [Line Items]
Total		₨ 1,554,333.4	₨ 1,174,758.2	$ 20,486.8
Perpetual debt—(1)
Debt Instrument [Line Items]
Total		₨ 169,064.5
Subordinated debt \| Subordinated debt (other than perpetual debt)
Debt Instrument [Line Items]
Maturity /Call dates, start		2023	2022
Maturity /Call dates, end		2031	2031
Total		₨ 89,759.4	₨ 126,240	1,183.1
Subordinated debt \| Perpetual debt—(1)
Debt Instrument [Line Items]
Maturity /Call dates, start		2023	2023
Maturity /Call dates, end		2030	2030
Total		₨ 93,848.2	₨ 84,976.1	$ 1,237
Subordinated debt \| Perpetual debt—(2)
Debt Instrument [Line Items]
Maturity /Call dates, end		2027
Stated interest rates		3.70%		3.70%
Total		₨ 75,216.3		$ 991.4
Subordinated debt \| Minimum \| Subordinated debt (other than perpetual debt)
Debt Instrument [Line Items]
Stated interest rates		7.35%	7.35%	7.35%
Subordinated debt \| Minimum \| Perpetual debt—(1)
Debt Instrument [Line Items]
Stated interest rates		7.55%	8.84%	7.55%
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—(1)
Debt Instrument [Line Items]
Stated interest rates		9.70%	9.70%	9.70%
Others \| Variable rate—(1)
Debt Instrument [Line Items]
Maturity /Call dates, start	[1]	2023	2022
Maturity /Call dates, end	[1]	2024	2024
Total	[1]	₨ 40,045.9	₨ 50,935.8	$ 527.8
Others \| Variable rate—(2)
Debt Instrument [Line Items]
Maturity /Call dates, start	[1]	2023	2022
Maturity /Call dates, end	[1]	2027	2025
Total	[1]	₨ 82,243.1	₨ 97,418	1,083.9
Others \| Fixed rate
Debt Instrument [Line Items]
Maturity /Call dates, start	[1]	2023	2022
Maturity /Call dates, end	[1]	2030	2032
Total	[1]	₨ 1,173,220.5	₨ 815,188.3	$ 15,463.6
Others \| Minimum \| Variable rate—(1)
Debt Instrument [Line Items]
Stated interest rates	[1]	1.40%	0.11%	1.40%
Others \| Minimum \| Variable rate—(2)
Debt Instrument [Line Items]
Stated interest rates	[1]	4.40%	5.90%	4.40%
Others \| Minimum \| Fixed rate
Debt Instrument [Line Items]
Stated interest rates	[1]	2.80%	2.80%	2.80%
Others \| Maximum \| Variable rate—(1)
Debt Instrument [Line Items]
Stated interest rates	[1]	1.80%	1.33%	1.80%
Others \| Maximum \| Variable rate—(2)
Debt Instrument [Line Items]
Stated interest rates	[1]	6.90%	7.75%	6.90%
Others \| Maximum \| Fixed rate
Debt Instrument [Line Items]
Stated interest rates	[1]	9.21%	9.56%	9.21%

[1]Variable rate—( 1) and Perpetual debt—(2) 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.

Long-Term Debt - Scheduled Matu

Long-Term Debt - Scheduled Maturities of Long-Term Debt (Detail) - Mar. 31, 2022 ₨ in Millions, $ in Millions		INR (₨)	USD ($)
Due in the twelve months ending March 31:
2023		₨ 246,509.4	$ 3,249.1
2024		569,939.4	7,512.1
2025		247,262.4	3,259
2026		38,998.9	514
2027		90,990.6	1,199.3
Thereafter		191,568.2	2,525
Total	[1]	₨ 1,385,268.9	$ 18,258.5

[1]The scheduled maturities of long-term debt do not include perpetual bonds of Rs. 169,064.5 million (net of debt issuance cost).

Long-Term Debt - Scheduled Ma_2

Long-Term Debt - Scheduled Maturities of Long-Term Debt (Parenthetical) (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Debt Instrument [Line Items]
Long-term debt	₨ 1,554,333.4	$ 20,486.8	₨ 1,174,758.2
Perpetual debt
Debt Instrument [Line Items]
Long-term debt	₨ 169,064.5

Accrued Expenses and Other Li_3

Accrued Expenses and Other Liabilities - Additional Information (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Credit card
Other Liabilities [Line Items]
Unamortized annual fees	₨ 1,257.9	$ 16.6	₨ 1,097.4

Accrued Expenses and Other Li_4

Accrued Expenses and Other Liabilities (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Other Liabilities [Line Items]
Bills payable	₨ 130,937.4	$ 1,725.8	₨ 124,241.9
Remittances in transit	91,766.3	1,209.5	54,657.2
Accrued expenses	58,522.2	771.3	69,103.2
Accounts payable	152,309.2	2,007.5	143,827
Derivatives (see note 23)	74,819.2	986.1	81,880
Lease liabilities	78,138	1,029.9	70,422
Others	94,969.2	1,251.8	86,965.1
Total	₨ 681,461.5	$ 8,981.9	₨ 631,096.4
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Lease liabilities	Lease liabilities	Lease liabilities

Changes in Accumulated Other Co

Changes in Accumulated Other Comprehensive Income After Tax (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	₨ 2,163,404.8		₨ 1,896,493.8
Net unrealized gain/(loss) arising during the period	(34,791.1)		(1,873.4)
Amounts reclassified to income	(10,187.7)		(23,271.9)
Balance	2,509,453.4	$ 33,075.7	2,163,404.8
Available for Sale Securities
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	25,212.9		49,225.4
Net unrealized gain/(loss) arising during the period	(36,088.6)		(740.6)
Amounts reclassified to income	(10,187.7)		(23,271.9)
Balance	(21,063.4)	(277.6)	25,212.9
Foreign Currency Translation Reserve
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	1,973.4		3,106.2
Net unrealized gain/(loss) arising during the period	1,297.5		(1,132.8)
Amounts reclassified to income	0		0
Balance	3,270.9	43.1	1,973.4
Accumulated Other Comprehensive Income (Loss)
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	27,186.3		52,331.6
Balance	₨ (17,792.5)	$ (234.5)	₨ 27,186.3

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, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Available for sale debt securities:
Allowance on available for sale debt securities	₨ (2,915.1)	$ (38.4)	₨ 2,915.1
Net of income tax	(10,187.7)		(23,271.9)
Available for Sale Securities
Available for sale debt securities:
Net of income tax	(10,187.7)		(23,271.9)
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	(10,699.4)	(141)	(34,014.8)
Allowance on available for sale debt securities	(2,915.1)	(38.4)	2,915.1
Total before income tax	(13,614.5)	(179.4)	(31,099.7)
Income tax	3,426.8	45.1	7,827.8
Net of income tax	₨ (10,187.7)	$ (134.3)	₨ (23,271.9)

Non-Interest Revenue - Summary

Non-Interest Revenue - Summary of Disaggregation of Revenue (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)	Mar. 31, 2020 INR (₨)
Disaggregation of Revenue [Line Items]
Fees and commissions	₨ 202,979.5	$ 2,675.4	₨ 165,410.4	₨ 160,099.5
Deposit Related Fees
Disaggregation of Revenue [Line Items]
Fees and commissions	37,415.4	493.2	28,150.4	29,031.9
Lending related fees
Disaggregation of Revenue [Line Items]
Fees and commissions	40,532.5	534.2	30,973.1	30,699.9
Third-party products related fees
Disaggregation of Revenue [Line Items]
Fees and commissions	44,216.1	582.8	35,733	28,169.6
Payments and cards business fees
Disaggregation of Revenue [Line Items]
Fees and commissions	56,170.2	740.3	50,758.2	58,899.3
Other
Disaggregation of Revenue [Line Items]
Fees and commissions	₨ 24,645.3	$ 324.9	₨ 19,795.7	₨ 13,298.8

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, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)	Mar. 31, 2020 INR (₨)
Disaggregation of Revenue [Line Items]
Fees and commissions	₨ 202,979.5	$ 2,675.4	₨ 165,410.4	₨ 160,099.5
Retail Banking
Disaggregation of Revenue [Line Items]
Fees and commissions	182,464.1	2,405	153,018.2	146,855.7
Wholesale Banking
Disaggregation of Revenue [Line Items]
Fees and commissions	19,802	261	11,712.7	13,041.6
Treasury Services
Disaggregation of Revenue [Line Items]
Fees and commissions	₨ 713.4	$ 9.4	₨ 679.5	₨ 202.2

Income Taxes - Additional Infor

Income Taxes - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2022 INR (₨)	Mar. 31, 2021 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 USD ($)	Mar. 31, 2020 INR (₨)
Income Taxes [Line Items]
Total unrecognized tax benefit	₨ 46,774.3	₨ 43,048	$ 616.5	$ 567.4	₨ 37,103.2
The total unrecognized tax benefits, if recognized, that would reduce the tax and thereby affect the effective tax rate	₨ 46,774.3	43,048
Income tax rate including surcharge and education cess	25.17%		25.17%
Income tax expense (benefit) recorded in retained earnings		(21,016)
Other comprehensive income	₨ 15,129.2	₨ (8,457.8)

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, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)	Mar. 31, 2020 INR (₨)
Components of Income Tax Expense Benefit Abstract
Current tax expense	₨ 142,446.5	$ 1,877.5	₨ 122,087.4	₨ 105,587.8
Deferred tax (benefit) expense	(9,887.3)	(130.3)	(8,267.3)	(101.2)
Interest on income tax refund	0	0	0	(6.6)
Income tax expense	₨ 132,559.2	$ 1,747.2	₨ 113,820.1	₨ 105,480

Income Taxes - Reconciliation o

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, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)	Mar. 31, 2020 INR (₨)
Reconciliation of Estimated Income Taxes to Income Tax Expense as Reported [Line Items]
Income before income tax expense	₨ 519,162.2	$ 6,842.6	₨ 439,826.5	₨ 365,844
Statutory income tax rate	25.17%	25.17%	25.17%	25.17%
Expected income tax expense	₨ 130,662.7	$ 1,722.2	₨ 110,695.5	₨ 92,075.6
Adjustments to reconcile expected income tax to actual income tax expense
Interest on income tax refund	0	0	0	(4.9)
Stock based compensation	3,493.1	46	2,668.7	1,881.6
Income subject to rates other than the statutory income tax rate	(2,347.6)	(30.9)
Income exempt from taxes	0	0	(62.3)	(744.2)
Effect of change in statutory income tax rate	0	0	0	11,213.2
Others, net	751	9.9	518.2	1,058.7
Income tax expense	₨ 132,559.2	$ 1,747.2	₨ 113,820.1	₨ 105,480

Income Taxes - Tax Effects of S

Income Taxes - Tax Effects of Significant Temporary Differences (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Deductible temporary differences:
Allowance for loan losses	₨ 79,821.5	$ 1,052.1	₨ 67,584.1
Investments available for sale debt securities	6,997	92.2
Lease liabilities	19,745.8	260.3	17,723.8
Employee benefits	728.1	9.6	752.3
Accrued expenses and other liabilities	3,772.1	49.7	4,997.1
Others	2,158.9	28.4	1,904.4
Deferred tax asset	113,223.4	1,492.3	92,961.7
Taxable temporary differences:
Right-of-use assets	19,745.8	260.3	17,723.8
Investments available for sale debt securities	0	0	8,567.9
Loan origination cost and fees	5,024.1	66.2	3,456
Investments, others	3,097.2	40.8	2,874.2
Deferred tax liability	27,867.1	367.3	32,621.9
Net deferred tax asset (liability)	₨ 85,356.3	$ 1,125	₨ 60,339.8

Income Taxes - Reconciliation_2

Income Taxes - Reconciliation of Beginning and Ending Balance of Unrecognized Tax Benefits (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Income Tax Contingency [Line Items]
Opening balance	₨ 43,048	$ 567.4	₨ 37,103.2
Settlements related to prior year tax positions	(1,985)	(26.2)	(221.5)
Increase related to prior year tax positions	0	0	892.8
Increase related to current year tax positions	5,711.3	75.3	5,273.5
Closing balance	₨ 46,774.3	$ 616.5	₨ 43,048

Stock-Based Compensation - Addi

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

12 Months Ended

Nov. 25, 2021 shares

Oct. 20, 2021 shares

Jul. 31, 2021 shares

Mar. 21, 2020 shares

Oct. 19, 2019 shares

Aug. 03, 2019 shares

Mar. 31, 2022 INR (₨) ₨ / shares shares

Mar. 31, 2022 USD ($)

Mar. 31, 2021 INR (₨) ₨ / shares shares

Mar. 31, 2020 INR (₨)

Jul. 31, 2016 INR (₨) shares

Jun. 30, 2013 INR (₨) shares

Jun. 30, 2010 INR (₨) shares

Jun. 30, 2007 INR (₨) shares

Jun. 30, 2005 INR (₨) shares

Jun. 30, 2003 INR (₨) shares

Jan. 31, 2000 INR (₨) shares

Sep. 20, 2019 ₨ / shares shares

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

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

₨ 22,077.7

₨ 26,446.8

13,339.6

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

2.7

0.5

Stock-based compensation, aggregate intrinsic value of options outstanding

46,605

72,288.5

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

0.5

Stock-based compensation, aggregate intrinsic value of options exercisable

28,340

42,485.6

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

₨ 13,874.5

$ 182.9

₨ 10,603.5

₨ 7,476.1

Stock-based compensation, unvested options, outstanding | shares

92,784,900

103,715,500

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

₨ 1,273.6

₨ 1,206.3

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

₨ 2.1

₨ 0

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

18,265

₨ 29,802.9

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

₨ 14,999.2

Equity shares, par value | ₨ / shares

₨ 1

₨ 2

Equity shares, issued | shares

5,545,540,976

5,512,776,482

5,470,763,894

Share-based payment arrangement, expense, tax benefit

₨ 0

Maximum

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

Equity shares, par value | ₨ / shares

₨ 2

Employees Stock Option Scheme

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

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

1 year 3 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 XXVII | Plan "G"

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

Stock-based compensation, options granted | shares

238,000

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

Scheme XXXV | Plan "G"

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

Stock-based compensation, options granted | shares

57,466,600

Scheme XXXVI | Plan "G"

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

Stock-based compensation, options granted | shares

25,390,600

Estimated Fair Value of Options

Estimated Fair Value of Options on Dates of Each Grant Using Binomial Option Pricing Model (Detail)	12 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2020
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Dividend yield		0.61%
Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Dividend yield	0.43%		0.61%
Expected volatility	21.71%	20.13%	15.30%
Risk-free interest rate, lower range	4.99%	4.63%	5.81%
Expected term (in years)	2 years 7 months 2 days	2 years 7 months 24 days	2 years 9 months 25 days
Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Dividend yield	0.46%		0.85%
Expected volatility	31.79%	28.93%	20.13%
Risk-free interest rate, upper range	6.43%	5.75%	6.70%
Expected term (in years)	5 years 4 months 9 days	5 years 5 months 4 days	5 years 5 months 1 day

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, 2022	Mar. 31, 2021	Mar. 31, 2020
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options available to be granted, beginning of period	104,694,170	159,487,350	202,413,370
Equity shares allocated for grant under the plan	0	0	0
Options granted	(25,628,600)	(57,466,600)	(47,773,600)
Forfeited/lapsed	2,926,850	2,673,420	4,847,580
Options available to be granted, end of period	81,992,420	104,694,170	159,487,350

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, 2022	Mar. 31, 2021	Mar. 31, 2020
Options
Options outstanding, beginning of period	168,168,760	142,865,602	136,612,822
Granted	25,628,600	57,466,600	47,773,600
Exercised	(32,764,494)	(29,490,022)	(36,673,240)
Forfeited	(2,639,100)	(2,032,110)	(4,813,580)
Lapsed	(287,750)	(641,310)	(34,000)
Options outstanding, end of period	158,106,016	168,168,760	142,865,602
Options exercisable, end of period	65,321,116	64,453,260	64,464,392
Weighted Average Exercise Price
Options outstanding, beginning of period	₨ 1,063.79	₨ 899.03	₨ 682.99
Granted	1,427.29	1,235.8	1,220.13
Exercised	796.52	596.85	504.1
Forfeited	1,231.84	1,163.29	965.64
Lapsed	870.34	929.57	568.1
Options outstanding, end of period	1,175.65	1,063.79	899.03
Options exercisable, end of period	1,036.49	834.48	638.18
Weighted average fair value of options granted during the year	₨ 415.12	₨ 320.42	₨ 305.78

Stock Options Outstanding, Empl

Stock Options Outstanding, Employees Stock Option Schemes (Detail) - Employees Stock Option Scheme	12 Months Ended
	Mar. 31, 2022 ₨ / shares shares	Mar. 31, 2022 $ / shares ₨ / shares shares	Mar. 31, 2021 ₨ / shares shares	Mar. 31, 2020 ₨ / shares shares	Mar. 31, 2019 ₨ / shares shares
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Number Of Shares Arising Out Of Options \| shares	158,106,016	158,106,016	168,168,760	142,865,602	136,612,822
Weighted Average Exercise Price \| ₨ / shares	₨ 1,175.65	₨ 1,175.65	₨ 1,063.79	₨ 899.03	₨ 682.99
Plan "F"
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Range of exercise price, Lower Range \| (per share)	417.75	₨ 5.51
Range of exercise price, Upper Range \| (per share)	₨ 731.08	₨ 9.64
Number Of Shares Arising Out Of Options \| shares	17,564,766	17,564,766
Weighted Average Remaining Life	1 year 25 days	1 year 25 days
Weighted Average Exercise Price \| ₨ / shares	₨ 666.77	₨ 666.77
Plan "G"
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Range of exercise price, Lower Range \| (per share)	882.85	₨ 11.64
Range of exercise price, Upper Range \| (per share)	₨ 1,516.95	₨ 19.99
Number Of Shares Arising Out Of Options \| shares	140,541,250	140,541,250
Weighted Average Remaining Life	2 years 8 months 12 days	2 years 8 months 12 days
Weighted Average Exercise Price \| ₨ / shares	₨ 1,239.25	₨ 1,239.25

Retirement Benefits - Additiona

Retirement Benefits - Additional Information (Detail) ₨ in Thousands, $ in Millions	12 Months Ended
	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)	Mar. 31, 2020 INR (₨)
Defined Benefit Plan Disclosure [Line Items]
Defined benefit plan, expected contribution to the plan for the next fiscal year	₨ 1,804,600
Defined benefit plan, accumulated benefit obligation	6,914,800		₨ 5,455,600
Defined contribution plan, employer contribution recognized as an expense	₨ 6,844,700		5,429,600	₨ 4,901,400
Superannuation
Defined Benefit Plan Disclosure [Line Items]
Defined contribution plan, employer annual contribution as a percentage of eligible annual salary	13%	13%
Defined contribution plan, employer contribution recognized as an expense	₨ 1,795,300		1,513,700	₨ 1,269,900
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%	12%
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
National Pension Scheme [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined contribution plan, employer contribution recognized as an expense	₨ 57,200		46,300
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	₨ 1,633,000	$ 21.5	1,384,800
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	₨ 6,397,400		4,727,700
Pension
Defined Benefit Plan Disclosure [Line Items]
Defined benefit plan, expected contribution to the plan for the next fiscal year	188,600
Defined benefit plan, accumulated benefit obligation	354,600		364,200
Employer contributions	₨ 207,000	$ 2.7	23,000
Pension \| Centurion Bank of Punjab Limited
Defined Benefit Plan Disclosure [Line Items]
Defined benefit plan, employer contribution as a percentage of basic salary	10%	10%
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	₨ 353,800		₨ 362,900

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, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)	Mar. 31, 2020 INR (₨)	Mar. 31, 2022 USD ($)
Change in benefit obligations:
Projected benefit obligation ("PBO"), beginning of the period	₨ 9,819.6	$ 129.4	₨ 7,883
Service cost	1,268	16.7	1,107	₨ 965.4
Interest cost	631.2	8.3	561.6	483.3
Actuarial(gains)/ losses	(260.6)	(3.4)	759.4
Benefits paid	(769.5)	(10.1)	(491.4)
Projected benefit obligation, end of the period	10,688.7	140.9	9,819.6	7,883
Change in plan assets:
Fair value of plan assets, beginning of the period	8,344.6	110.1	5,779.8
Expected return on plan assets	574.1	7.6	448.4	389.9
Actuarial gains/(losses)	237.1	3.1	1,223
Actual return on plan assets	811.2	10.7	1,671.4
Employer contributions	1,633	21.5	1,384.8
Benefits paid	(769.5)	(10.1)	(491.4)
Fair value of plan assets, end of the period	10,019.3	$ 132.2	8,344.6	₨ 5,779.8
Funded Status	₨ (669.4)		₨ (1,475)		$ (8.8)

Net Gratuity Cost (Detail)

Net Gratuity Cost (Detail) - Gratuity ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)	Mar. 31, 2020 INR (₨)
Defined Benefit Plan Disclosure [Line Items]
Service cost	₨ 1,268	$ 16.7	₨ 1,107	₨ 965.4
Interest cost	631.2	8.3	561.6	483.3
Expected return on plan assets	(574.1)	(7.6)	(448.4)	(389.9)
Actuarial (gains)/losses	(497.7)	(6.5)	(463.6)	989.4
Net gratuity cost	₨ 827.4	$ 10.9	₨ 756.6	₨ 2,048.2

Assumptions Used in Accounting

Assumptions Used in Accounting for Gratuity Plan (Detail) - Gratuity		12 Months Ended
		Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2020
Minimum
Defined Benefit Plan Disclosure [Line Items]
Discount rate - benefit obligations	[1]	5.10%	4.40%	6%
Discount rate - net periodic benefit cost		5.10%	4.40%	6%
Rate of increase in compensation levels of covered employees		6%	5%	7%
Rate of return on plan assets		5.10%	4.40%	6%
Maximum
Defined Benefit Plan Disclosure [Line Items]
Discount rate - benefit obligations	[1]	7.30%	7%	7.50%
Discount rate - net periodic benefit cost		7.30%	7%	7.50%
Rate of increase in compensation levels of covered employees		11%	9%	8%
Rate of return on plan assets		7%	7%	7%

[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, 2022 INR (₨)
Benefit payments
2023	₨ 1,360.9
2024	1,203.2
2025	992.8
2026	1,006.3
2027	1,021.9
2028 - 2032	₨ 3,409.9

Plan Assets as Percentage of To

Plan Assets as Percentage of Total Funds (Detail) - Gratuity	Mar. 31, 2022
Funds managed by insurance company (1)
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	100%
Funds managed by insurance company (1) \| Government Securities
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	79.50%
Funds managed by insurance company (1) \| Debenture and bonds
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	14%
Funds managed by insurance company (1) \| Equity securities
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	5.70%
Funds managed by insurance company (1) \| Other
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	0.80%
Funds managed by insurance company (2)
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	100%
Funds managed by insurance company (2) \| Government Securities
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	25.90%
Funds managed by insurance company (2) \| Debenture and bonds
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	23.90%
Funds managed by insurance company (2) \| Equity securities
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	44.70%
Funds managed by insurance company (2) \| Other
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	5.50%
Funds managed by trust
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	100%
Funds managed by trust \| Government Securities
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	26.90%
Funds managed by trust \| Debenture and bonds
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	23.40%
Funds managed by trust \| Equity securities
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	0%
Funds managed by trust \| Other
Defined Benefit Plan Disclosure [Line Items]
Plan asset as percentage of total funds	49.70%

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, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)	Mar. 31, 2020 INR (₨)	Mar. 31, 2022 USD ($)
Change in benefit obligations:
Projected benefit obligation ("PBO"), beginning of the period	₨ 862	$ 11.4	₨ 598.2
Plan amendment (prior service cost)	76.9	1	0
Service cost	16.1	0.2	14.6
Interest cost	55.8	0.7	37.7	₨ 45.3
Actuarial (gains)/losses	34.4	0.5	327.9
Benefits paid	(204.3)	(2.7)	(116.4)
Projected benefit obligation, end of the period	840.9	11.1	862	598.2
Change in plan assets:
Fair value of plan assets, beginning of the period	3.3	0	95.2
Expected return on plan assets	0.4	0	3.2	11
Actuarial gains/(losses)	2.3	0.1	(1.7)
Actual return on plan assets	2.7	0.1	1.5
Employer contributions	207	2.7	23
Benefits paid	(204.3)	(2.7)	(116.4)
Fair value of plan assets, end of the period	8.7	$ 0.1	3.3	₨ 95.2
Funded Status	₨ (832.2)		₨ (858.7)		$ (11)

Net Pension Cost (Detail)

Net Pension Cost (Detail) - Pension ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)	Mar. 31, 2020 INR (₨)
Defined Benefit Plan Disclosure [Line Items]
Service cost	₨ 93	$ 1.2	₨ 14.6	₨ 6.5
Interest cost	55.8	0.7	37.7	45.3
Expected return on plan assets	(0.4)	0	(3.2)	(11)
Actuarial (gains)/losses	32.1	0.4	329.6	12.4
Net pension cost	₨ 180.5	$ 2.3	₨ 378.7	₨ 53.2

Assumptions Used in Accountin_2

Assumptions Used in Accounting for Pension Plan (Detail) - Pension		12 Months Ended
		Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2020
Defined Benefit Plan Disclosure [Line Items]
Discount rate - net periodic benefit cost	[1]	7.30%	7%	7.50%
Rate of increase in compensation levels of covered employees		7%	7%	7%
Rate of return on plan assets		6.50%	6.50%	7%

[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, 2022 INR (₨)
Benefit payments
2023	₨ 140.2
2024	147.6
2025	134.1
2026	45.5
2027	49.7
2028 - 2032	₨ 717.5

Weighted-Average Asset Allocati

Weighted-Average Asset Allocation of Said Plan Assets for Pension Benefits (Detail) - Pension	Mar. 31, 2022
Funds managed by trust
Weighted-average asset allocation	100%
Government Securities
Funds managed by trust
Weighted-average asset allocation	90.80%
Debenture and bonds
Funds managed by trust
Weighted-average asset allocation	9.20%
Other
Funds managed by trust
Weighted-average asset allocation	0%

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, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
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	₨ 111.1	$ 1.5	₨ 27.2
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	111.1		27.2
Fair Value Measurements Using Significant other observable inputs (Level 2)
Defined Benefit Plan Disclosure [Line Items]
Plan investment assets at fair value	9,137.1	120.4	7,656.6
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	9,016		7,445.5
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	68.1		87.6
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	53		123.5
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	779.8	$ 10.3	664.1
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	779.8		664.1
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, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Defined Benefit Plan Disclosure [Line Items]
Beginning balance	₨ 664.1	$ 8.8	₨ 600.2
Realized interest credited to fund	48.1	0.6	60.5
Contribution during the period	131.1	1.7	104.5
Amount paid towards claim	(63.5)	(0.8)	(101.1)
Ending Balance	₨ 779.8	$ 10.3	₨ 664.1

Aggregate Notional Principal Am

Aggregate Notional Principal Amounts of Bank's Outstanding Forward Exchange and Derivative Contracts (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Derivatives, Fair Value [Line Items]
Notional	₨ 12,488,223.5	$ 164,600.4	₨ 8,580,508.8
Gross Assets	80,202.3	1,057.1	84,406.7
Gross Liabilities	74,819.2	986.1	81,880
Net Fair Value	5,383.1	71	2,526.7
Interest rate derivatives
Derivatives, Fair Value [Line Items]
Notional	5,142,612.3	67,781.9	3,155,410.2
Gross Assets	28,564.1		32,217.2
Gross Liabilities	27,644.4		33,894
Net Fair Value	919.7	12.1	(1,676.8)
Forward rate agreements
Derivatives, Fair Value [Line Items]
Notional	50,610.7	667.1	20,887.8
Gross Assets	1,574.1		270
Gross Liabilities	14.8		64.1
Net Fair Value	1,559.3	20.6	205.9
Currency options
Derivatives, Fair Value [Line Items]
Notional	434,371.3	5,725.2	202,402.7
Gross Assets	1,845.1		1,078.7
Gross Liabilities	2,439.5		1,510.7
Net Fair Value	(594.4)	(7.8)	(432)
Currency swaps
Derivatives, Fair Value [Line Items]
Notional	308,757.4	4,069.6	237,081.5
Gross Assets	10,463.6		8,126.4
Gross Liabilities	4,312.3		4,940.8
Net Fair Value	6,151.3	81.1	3,185.6
Forward exchange contracts
Derivatives, Fair Value [Line Items]
Notional	6,551,871.8	86,356.6	4,964,726.6
Gross Assets	37,755.4		42,714.4
Gross Liabilities	40,408.2		41,470.4
Net Fair Value	₨ (2,652.8)	$ (35)	₨ 1,244

Information Related to Derivati

Information Related to Derivative Amounts Recognized in Income (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)	Mar. 31, 2020 INR (₨)
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives gain/(loss), net	₨ 1,422	$ 18.7	₨ (3,253)	₨ 3,550
Interest rate derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives gain/(loss), net	3,207.7	42.3	773.9	(2,572.2)
Forward rate agreements
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives gain/(loss), net	1,374.1	18.1	205.9	0
Currency options
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives gain/(loss), net	167.3	2.2	1,191.1	585.5
Currency swaps
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives gain/(loss), net	(1,682)	(22.2)	(3,309.2)	3,465.5
Forward exchange contracts
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives gain/(loss), net	₨ (1,645.1)	$ (21.7)	₨ (2,114.7)	₨ 2,071.2

Amounts Subject to Enforceable

Amounts Subject to Enforceable Netting Arrangements (Detail) ₨ in Millions, $ in Millions		Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Derivative [Line Items]
Derivative assets, gross amounts		₨ 80,202.3	$ 1,057.1	₨ 84,406.7
Derivative assets, amounts offset		0		0
Derivative assets, net amounts reported in the balance sheet		80,202.3		84,406.7
Derivative assets, financial instruments		48,942.8		55,002.7
Derivative assets, financial collateral	[1]	8,022.9		4,065.5
Derivative assets, net amount		23,236.6	306.3	25,338.5
Securities purchased under agreements to resell, gross amounts		373,053.3	4,917	270,060
Securities purchased under agreements to resell, amounts offset		0		0
Securities purchased under agreements to resell, net amounts reported in the balance sheet		373,053.3		270,060
Securities purchased under agreements to resell, financial instruments		0		0
Securities purchased under agreements to resell, financial collateral	[1]	373,053.3		270,060
Securities purchased under agreements to resell, net amount		0	0	0
Derivative liabilities, gross amounts		74,819.2	986.1	81,880
Derivative liabilities, amounts offset		0		0
Derivative liabilities, net amounts reported in the balance sheet		74,819.2		81,880
Derivative liabilities, financial instruments		48,942.8		55,002.7
Derivative liabilities, financial collateral	[1]	1,697.2		4,816.3
Derivative liabilities, net amount		24,179.2	318.7	22,061
Securities sold under repurchase agreements, gross amounts		151,844.9	2,001.4	356,059.2
Securities sold under repurchase agreements, amounts offset		0		0
Securities sold under repurchase agreements, net amounts reported in the balance sheet		151,844.9		356,059.2
Securities sold under repurchase agreements, financial instruments		0		0
Securities sold under repurchase agreements, financial collateral	[1]	151,844.9		356,059.2
Securities sold under repurchase agreements, net amount		0	0	0
Long Term debt , gross amounts		90,200		90,200
Long Term debt , Amounts offset		0		0
Long Term debt ,Net amounts reported in the balance sheet		90,200		90,200
Long Term debt , Financial instruments		0		0
Long Term debt , Financial collateral	[1]	90,200		90,200
Long Term debt , Net amount		₨ 0	$ 0	₨ 0

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

Financial Instruments - Additio

Financial Instruments - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Financial Instruments [Line Items]
Estimated fair values of bank guarantees	₨ 6,583.5	$ 86.7	₨ 6,044.1
Margins in the form of cash and fixed deposit available to the bank to reimburse losses realized under guarantees	182,000		121,200
Outstanding Undrawn commitments to provide loans and financing to customers	730,900	9,600	628,300
Unconditional cancellable commitments	5,528,400	72,900	4,826,700
Guarantees
Financial Instruments [Line Items]
Estimated fair values of bank guarantees	₨ 5,760.7	$ 75.9	₨ 5,500.7
Minimum
Financial Instruments [Line Items]
Remaining tenure of guarantees outstanding	1 day
Maximum
Financial Instruments [Line Items]
Remaining tenure of guarantees outstanding	23 years 7 months 6 days

Details of Guarantees and Docum

Details of Guarantees and Documentary Credits Outstanding (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Guarantor Obligations [Line Items]
Bank guarantees	₨ 1,455,273	$ 19,181.1	₨ 1,131,739.2
Estimated fair values of bank guarantees	(6,583.5)	(86.7)	(6,044.1)
Financial guarantees
Guarantor Obligations [Line Items]
Bank guarantees	422,406.2	5,567.5	334,040.8
Performance guarantees
Guarantor Obligations [Line Items]
Bank guarantees	417,227.2	5,499.2	421,162.2
Documentary credits
Guarantor Obligations [Line Items]
Bank guarantees	615,639.6	8,114.4	376,536.2
Estimated fair values of documentary credits	(822.8)	(10.8)	(543.4)
Guarantees
Guarantor Obligations [Line Items]
Estimated fair values of bank guarantees	₨ (5,760.7)	$ (75.9)	₨ (5,500.7)

Summary of allowance for Credit

Summary of allowance for Credit Losses included in accrued expenses and other liabilities on Off-Balance sheet credit exposures and undrawn commitments (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Schedule Of Allowance For Credit Losses OnOff BalanceSheet Credit Exposures And Undrawn Commitments [Abstract]
Allowance for credit losses, beginning of the period	₨ 5,581.5	$ 73.6	₨ 3,226.8
Impact of Adoption of ASC 326	0	0	2,296.6
Provision for credit exposures	506.1	6.7	58.1
Allowance for credit losses, end of the period	₨ 6,087.6	$ 80.3	₨ 5,581.5

Comparison of Fair Value and Ca

Comparison of Fair Value and Carrying Value of Financial Instruments (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Financial Assets:
Cash and due from banks, and restricted cash	₨ 1,122,031.1	$ 14,788.9	₨ 930,694.7
Investments held for trading	53,199.5	701.2	99,620.2
Investments available for sale debt securities	4,388,563.1	57,843.2	4,275,449.9
Securities purchased under agreements to resell	373,053.3	4,917	270,060
Loans	14,036,872.2	185,012.2	11,700,189.2
Accrued interest receivable	134,467.7	1,772.3	118,762.9
Other assets	686,475.6	9,048.1	320,187.5
Financial Liabilities :
Interest-bearing deposits	13,197,979.7	173,955.2	11,226,467.8
Non-interest-bearingdeposits	2,382,052.2	31,396.5	2,110,762.4
Securities sold under repurchase agreements	151,844.9	2,001.4	356,059.2
Short-term borrowings	554,167.6	7,304.2	239,264.1
Accrued interest payable	82,412.8	1,086.2	77,969.1
Long-term debt	1,554,333.4	20,486.8	1,174,758.2
Accrued expenses and other liabilities	499,905.7	6,589	445,135.7
Financial Assets:
Cash and due from banks, and restricted cash	1,122,031.1	14,788.9	930,694.7
Investments held for trading	53,199.5	701.2	99,620.2
Investments available for sale debt securities	4,388,563.1	57,843.2	4,275,449.9
Securities purchased under agreements to resell	373,053.3	4,917	270,060
Loans	14,288,248.9	188,325.4	11,874,816
Accrued interest receivable	134,467.7	1,772.3	118,762.9
Other assets	684,651.9	9,024	318,510.7
Financial Liabilities :
Securities sold under repurchase agreements	151,844.9	2,001.4	356,059.2
Short-term borrowings	552,737.9	7,285.3	238,700.3
Accrued interest payable	82,412.8	1,086.2	77,969.1
Long-term debt	1,554,540.2	20,489.5	1,200,953.4
Accrued expenses and other liabilities	499,905.7	6,589	445,135.7
Interest Bearing Deposits Liabilities
Financial Liabilities :
Interest-bearing deposits	13,240,403.7	174,514.3	11,282,540.2
Non-interest-bearing deposits
Financial Liabilities :
Interest-bearing deposits	2,382,052.2	$ 31,396.5	2,110,762.4
Fair Value Measurements Using Quoted Prices In Active Markets for Identical Assets (Level 1)
Financial Assets:
Cash and due from banks, and restricted cash	1,122,031.1		930,694.7
Investments held for trading	304.1		0
Investments available for sale debt securities	174,680.3		176,015.8
Securities purchased under agreements to resell	0		0
Loans	0		0
Accrued interest receivable	0		0
Other assets	3,889.8		11,869.8
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	52,895.4		99,620.2
Investments available for sale debt securities	4,069,988.1		3,938,270.2
Securities purchased under agreements to resell	373,053.3		270,060
Loans	3,311,277.1		2,807,875.9
Accrued interest receivable	134,467.7		118,762.9
Other assets	680,762.1		306,640.9
Financial Liabilities :
Securities sold under repurchase agreements	151,844.9		356,059.2
Short-term borrowings	552,737.9		238,700.3
Accrued interest payable	82,412.8		77,969.1
Long-term debt	1,554,540.2		1,200,953.4
Accrued expenses and other liabilities	499,905.7		445,135.7
Fair Value Measurements Using Significant other observable inputs (Level 2) \| Interest Bearing Deposits Liabilities
Financial Liabilities :
Interest-bearing deposits	13,240,403.7		11,282,540.2
Fair Value Measurements Using Significant other observable inputs (Level 2) \| Non-interest-bearing deposits
Financial Liabilities :
Interest-bearing deposits	2,382,052.2		2,110,762.4
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	143,894.7		161,163.9
Securities purchased under agreements to resell	0		0
Loans	10,976,971.8		9,066,940.1
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, 2022 Segment
Reportable segments	3

Summarized Segment Information

Summarized Segment Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)	Mar. 31, 2020 INR (₨)	Mar. 31, 2022 USD ($)
Segment Reporting Information [Line Items]
Net interest income/(expense)	₨ 748,839.5	$ 9,869.9	₨ 683,686.5	₨ 593,527.4
Less: Provision for credit losses	126,979.5	1,673.6	154,233.4	117,621.9
Net interest revenue, after provision for credit losses	621,860	8,196.3	529,453.1	475,905.5
Non-interest revenue	270,574.2	3,566.3	252,975.7	198,219
Non-interest expense	(373,272)	(4,920)	(342,602.3)	(308,280.5)
Income before income tax expense	519,162.2	6,842.6	439,826.5	365,844
Income tax expense	132,559.2	1,747.2	113,820.1	105,480
Segment assets:
Segment total assets	21,113,705.5		17,979,782	15,961,889.1	$ 278,287.9
Operating Segments
Segment Reporting Information [Line Items]
Net interest income/(expense)	748,839.5	9,869.9	683,686.5	593,527.4
Intersegment Eliminations
Segment Reporting Information [Line Items]
Net interest income/(expense)	0	$ 0	0	0
Retail Banking
Segment Reporting Information [Line Items]
Net interest income/(expense)	559,824.2		537,763.5	483,083.2
Less: Provision for credit losses	122,622.6		145,822	104,516.8
Net interest revenue, after provision for credit losses	437,201.6		391,941.5	378,566.4
Non-interest revenue	203,468.5		175,447.7	161,890.1
Non-interest expense	(345,321.5)		(306,461.1)	(278,605.8)
Income before income tax expense	295,348.6		260,928.1	261,850.7
Segment assets:
Segment total assets	11,384,802.9		9,356,987.2	8,353,762.3
Retail Banking \| Operating Segments
Segment Reporting Information [Line Items]
Net interest income/(expense)	418,823		361,343.5	356,017.3
Retail Banking \| Intersegment Eliminations
Segment Reporting Information [Line Items]
Net interest income/(expense)	141,001.2		176,420	127,065.9
Wholesale Banking
Segment Reporting Information [Line Items]
Net interest income/(expense)	184,355		134,567.3	103,723.3
Less: Provision for credit losses	4,356.9		8,411.4	13,105.1
Net interest revenue, after provision for credit losses	179,998.1		126,155.9	90,618.2
Non-interest revenue	55,813.2		72,420.1	36,059.1
Non-interest expense	(25,544.1)		(34,238.4)	(27,774)
Income before income tax expense	210,267.2		164,337.6	98,903.3
Segment assets:
Segment total assets	8,106,671		7,011,959.9	5,933,391.4
Wholesale Banking \| Operating Segments
Segment Reporting Information [Line Items]
Net interest income/(expense)	297,694		278,431	204,725.8
Wholesale Banking \| Intersegment Eliminations
Segment Reporting Information [Line Items]
Net interest income/(expense)	(113,339)		(143,863.7)	(101,002.5)
Treasury Services
Segment Reporting Information [Line Items]
Net interest income/(expense)	4,660.3		11,355.7	6,720.9
Less: Provision for credit losses	0		0	0
Net interest revenue, after provision for credit losses	4,660.3		11,355.7	6,720.9
Non-interest revenue	11,292.5		5,107.9	269.8
Non-interest expense	(2,406.4)		(1,902.8)	(1,900.7)
Income before income tax expense	13,546.4		14,560.8	5,090
Segment assets:
Segment total assets	1,622,231.6		1,610,834.9	1,674,735.4
Treasury Services \| Operating Segments
Segment Reporting Information [Line Items]
Net interest income/(expense)	32,322.5		43,912	32,784.3
Treasury Services \| Intersegment Eliminations
Segment Reporting Information [Line Items]
Net interest income/(expense)	₨ (27,662.2)		₨ (32,556.3)	₨ (26,063.4)

Commitments and Contingencies -

Commitments and Contingencies - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Loss Contingencies [Line Items]
Capital commitments, estimated amounts of contracts remaining to be executed on the capital account	₨ 21,115.5		₨ 12,895.7
Additional operating lease commitments with leases which have not yet commenced	1,731.9
Operating lease expense	₨ 14,295.7	$ 188.4	12,820.3
Minimum [Member]
Loss Contingencies [Line Items]
Additional operating lease commitments with leases which have not yet commenced, lease term	9 years
Maximum [Member]
Loss Contingencies [Line Items]
Additional operating lease commitments with leases which have not yet commenced, lease term	15 years
Indirect Taxes And Other Claims
Loss Contingencies [Line Items]
Contingencies, estimated possible loss	₨ 9,226		₨ 10,203.1

Summary Of Operating Lease Righ

Summary Of Operating Lease Right Of Use Assets And Lease Liability (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Lease liabilities	₨ 78,138	$ 1,029.9	₨ 70,422
Other Assets [Member]
Right-of-use assets	₨ 71,572.2	$ 943.4	₨ 64,548.8

Rental Expenses and Sub-Lease I

Rental Expenses and Sub-Lease Income (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)	Mar. 31, 2020 INR (₨)
Operating Leased Assets [Line Items]
The total minimum lease expense during the year recognized in the consolidated statement of income	₨ 13,866.6	$ 182.8	₨ 14,244.4	₨ 13,698.7

Future Minimum Lease Payments (

Future Minimum Lease Payments (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Operating Leased Assets [Line Items]
2023	₨ 12,894.8	$ 170
2024	11,818.6	155.8
2025	11,351.1	149.6
2026	11,029.9	145.4
2027	10,485	138.2
Thereafter	54,653.2	720.4
Total lease payments	112,232.6	1,479.4
Less: imputed interest	34,094.6	449.5
Total operating lease liabilities	₨ 78,138	$ 1,029.9	₨ 70,422
Weighted average remaining lease term (in years)	9 years 8 months 12 days	9 years 8 months 12 days
Weighted average discount rate	7%	7%

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, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Valuation and Qualifying Accounts Disclosure [Line Items]
Opening provision of reward points	₨ 6,387.9	$ 84.2	₨ 7,341.5
Provision made during the year	4,651.3	61.3	3,752.1
Utilization/write back of provision	(4,137.7)	(54.5)	(4,026.7)
Closing provision of reward points	6,359.1	83.9	6,387.9
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	₨ (542.4)	$ (7.1)	₨ (679)

Balances Payable to Related Par

Balances Payable to Related Parties (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Related Party Transaction [Line Items]
Balances in non-interest-bearing deposits	₨ 2,382,052.2	$ 31,396.5	₨ 2,110,762.4
Balances in interest-bearing deposits	13,197,979.7	173,955.2	11,226,467.8
Principal Owner
Related Party Transaction [Line Items]
Balances in non-interest-bearing deposits	20,695.1		31,834.6
Balances in interest-bearing deposits	6,719.8		3,772.1
Accrued expenses and other liabilities	641.4		1,110.5
Total	28,056.3		36,717.2
Others
Related Party Transaction [Line Items]
Balances in non-interest-bearing deposits	6,273		9,732
Balances in interest-bearing deposits	875		1,830.5
Accrued expenses and other liabilities	0		0
Total	7,148		11,562.5
Related Party
Related Party Transaction [Line Items]
Balances in non-interest-bearing deposits	26,968.1	355.5	41,566.6
Balances in interest-bearing deposits	7,594.8	100.1	5,602.6
Accrued expenses and other liabilities	641.4	8.5	1,110.5
Total	₨ 35,204.3	$ 464.1	₨ 48,279.7

Balances Receivable from Relate

Balances Receivable from Related Parties (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Related Party Transaction [Line Items]
Loans	₨ 7.4	$ 0.1	₨ 10.6
Other assets	2,155.2	28.4	3,018.6
Total	2,162.6	$ 28.5	3,029.2
Principal Owner
Related Party Transaction [Line Items]
Loans	0		0
Other assets	656.5		1,390.9
Total	656.5		1,390.9
Others
Related Party Transaction [Line Items]
Loans	7.4		10.6
Other assets	1,498.7		1,627.7
Total	₨ 1,506.1		₨ 1,638.3

Related Party Transactions - Ad

Related Party Transactions - Additional Information (Detail) ₨ in Millions, $ in Millions	12 Months Ended
	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)	Mar. 31, 2020 INR (₨)	Mar. 31, 2022 USD ($)
Related Party Transaction [Line Items]
Purchase of investments from others	₨ 2,006.2		₨ 114.3
Sale of investments from others	28,877.9		29,451.1
Investments of others	722,908.9	$ 9,528.3	481,989.2	₨ 272,104.7
Dividend paid to principal owner	36,239.2	$ 477.6	166.6	₨ 66,447.3
Foreign exchange and derivative contracts, notional principal amount	12,488,223.5		8,580,508.8		$ 164,600.4
Bank guarantees	1,455,273		1,131,739.2		$ 19,181.1
Tier II bonds
Related Party Transaction [Line Items]
Investments of others	3,700		400
Principal Owner
Related Party Transaction [Line Items]
Loans purchased from principal owner	282,052.4		189,797.8
Dividend paid to principal owner	5,620		0
Foreign exchange and derivative contracts, notional principal amount	111,787.1		77,574.9
Foreign exchange and derivative contracts, mark to market gains	1,101.1		833
Bank guarantees	3.9		4
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	₨ 28		₨ 44.3

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, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)	Mar. 31, 2020 INR (₨)
Related Party Transaction [Line Items]
Interest expense-Deposits	₨ (286.5)	$ (3.8)	₨ (279.3)	₨ (169.5)
Non-Interest Revenue-Fees and Commissions
Related Party Transaction [Line Items]
Related party transaction revenues	27,578.8	363.5	23,048.1	20,091.1
Interest and Dividend Revenue
Related Party Transaction [Line Items]
Related party transaction revenues	0.1	0	552.5	1,194.2
Administrative and other expense
Related Party Transaction [Line Items]
Related party transaction non-interest expense	(11,741.3)	(154.8)	(8,730.7)	(8,960.4)
Premises and equipment expense
Related Party Transaction [Line Items]
Related party transaction non-interest expense	(19.2)	$ (0.3)	(29.5)	(35.5)
Principal Owner
Related Party Transaction [Line Items]
Interest expense-Deposits	(204.3)		(108)	(85.3)
Principal Owner \| Non-Interest Revenue-Fees and Commissions
Related Party Transaction [Line Items]
Related party transaction revenues	4,639.3		3,246.5	3,089.4
Principal Owner \| Interest and Dividend Revenue
Related Party Transaction [Line Items]
Related party transaction revenues	0		0	0
Principal Owner \| Administrative and other expense
Related Party Transaction [Line Items]
Related party transaction non-interest expense	(7,182.4)		(5,874.4)	(5,840.8)
Principal Owner \| Premises and equipment expense
Related Party Transaction [Line Items]
Related party transaction non-interest expense	(19.2)		(24.3)	(25.8)
Others
Related Party Transaction [Line Items]
Interest expense-Deposits	(82.2)		(171.3)	(84.2)
Others \| Non-Interest Revenue-Fees and Commissions
Related Party Transaction [Line Items]
Related party transaction revenues	22,939.5		19,801.6	17,001.7
Others \| Interest and Dividend Revenue
Related Party Transaction [Line Items]
Related party transaction revenues	0.1		552.5	1,194.2
Others \| Administrative and other expense
Related Party Transaction [Line Items]
Related party transaction non-interest expense	(4,558.9)		(2,856.3)	(3,119.6)
Others \| Premises and equipment expense
Related Party Transaction [Line Items]
Related party transaction non-interest expense	₨ 0		₨ (5.2)	₨ (9.7)

Earnings Per Equity Share - Add

Earnings Per Equity Share - Additional Information (Detail)				12 Months Ended
Earnings Per Equity Share - Additional Information (Detail)	Jun. 18, 2021 ₨ / shares	Apr. 22, 2021	Aug. 02, 2019 ₨ / shares	Mar. 31, 2022 ₨ / shares shares	Mar. 31, 2022 ₨ / shares $ / shares shares	Mar. 31, 2021 ₨ / shares shares	Mar. 31, 2020 ₨ / shares shares	Sep. 20, 2019 ₨ / shares shares	Sep. 19, 2019 ₨ / shares
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Equity shares, issued \| shares				5,545,540,976	5,545,540,976	5,512,776,482		5,470,763,894
Equity shares, par value				₨ 1	₨ 1	₨ 1		₨ 1	₨ 2
Required transfer of after tax Indian GAAP profit to a non-distributable statutory reserve in order to pay dividends without prior RBI approval				25%	25%
Dividends declared						6.5	₨ 2.5
Dividends declared per equity share \| (per share)	₨ 6.5			₨ 15.5	₨ 0.2	₨ 6.5	₨ 2.5
Special Interim Dividend
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Common Stock, Dividends, Per Share, Cash Paid			₨ 2.5
Maximum
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Equity shares, par value								₨ 2
Employees Stock Option Scheme
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Potential equity shares excluded from the calculation of diluted earnings per share, average outstanding balance \| shares				19,064,987	19,064,987	73,917,840	24,224,032
Indian GAAP [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Dividend payout, description of restrictions				As per the RBI guidelines, the dividend payout (excluding dividend tax) cannot exceed 35% of net income as calculated under Indian GAAP.	As per the RBI guidelines, the dividend payout (excluding dividend tax) cannot exceed 35% of net income 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		50%		35%	35%

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, 2022	Mar. 31, 2021	Mar. 31, 2020
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	5,533,113,800	5,499,587,357	5,468,802,148
Effect of potential equity shares for stock options outstanding	30,366,023	23,890,989	36,990,405
Weighted average number of equity shares used in computing diluted earnings per equity share	5,563,479,823	5,523,478,346	5,505,792,553

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, 2022 ₨ / shares	Mar. 31, 2022 $ / shares	Mar. 31, 2021 ₨ / shares	Mar. 31, 2020 ₨ / shares
Earnings Per Share Disclosure [Line Items]
Basic earnings per share \| (per share)	₨ 69.76	$ 0.92	₨ 59.27	₨ 47.59
Effect of potential equity shares for stock options outstanding \| (per share)	0.38	0.01	0.25	0.32
Diluted earnings per share \| (per share)	69.38	0.91	59.02	47.27
Basic earnings per share \| (per share)	209.28	2.76	177.81	142.77
Diluted earnings per share \| (per share)	208.14	2.73	177.06	141.81
American Depository Shares \| Stock Compensation Plan
Earnings Per Share Disclosure [Line Items]
Effect of potential equity shares for stock options outstanding \| (per share)	₨ 1.14	$ 0.03	₨ 0.75	₨ 0.96

Subsidiaries - Additional Infor

Subsidiaries - Additional Information (Detail)	Mar. 31, 2022	Mar. 31, 2021
HDFC Securities Ltd.
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]
The stake-holding of the Bank	96.20%	96.80%
HDB Financial Services Limited
Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]
The stake-holding of the Bank	95.50%	95.70%

Investments Measured at Fair Va

Investments Measured at Fair Value on Recurring Basis (Detail) ₨ in Millions, $ in Millions		Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading account securities		₨ 53,199.5	$ 701.2	₨ 99,620.2
Securities Available-for-Sale		4,388,563.1	57,843.2	4,275,449.9
Total \| $			58,703.4
Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading account securities		53,199.5		99,620.2
Securities Available-for-Sale		4,388,563.1		4,275,449.9
Equity securities	[1]	12,070.8		19,577.8
Total		4,453,833.4		4,394,647.9
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		304.1		0
Securities Available-for-Sale		174,680.3		176,015.8
Equity securities	[1]	3,889.8		11,869.8
Total		178,874.2	2,357.6	187,885.6
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		52,895.4		99,620.2
Securities Available-for-Sale		4,069,988.1		3,938,270.2
Equity securities	[1]	8,181		7,708
Total		4,131,064.5	54,449.2	4,045,598.4
Fair Value, Measurements, Recurring \| Fair Value Measurements Using Significant unobservable inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading account securities		0		0
Securities Available-for-Sale		143,894.7		161,163.9
Equity securities	[1]	0		0
Total		₨ 143,894.7	$ 1,896.6	₨ 161,163.9

[1]Equity securities classified within other assets.

Information about Changes in Fa

Information about Changes in Fair Value of Level 3 Assets (Detail) - Available-for-Sale Debt Securities - INR (₨) ₨ in Millions	12 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Beginning balance	₨ 161,163.9	₨ 127,454.3
Total gains or losses (realized/unrealized) -Included in net income	0	0
Total gains or losses (realized/unrealized)- Included in other comprehensive income	(2,841.2)	2,236.4
Purchases/additions	77,995.6	80,406.3
Sales	0	0
Issuances	0	0
Settlements	(92,423.6)	(48,933.1)
Transfers into Level 3	0	0
Transfers out of Level 3	0	0
Foreign currency translation adjustment	0	0
Ending Balance	143,894.7	161,163.9
Total amount of gains or (losses) included in net income attributable to change in unrealized gains or (losses) relating to assets still held at reporting date	0	0
Change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period	₨ (3,055.8)	₨ 2,236.4

Derivative Instruments Measured

Derivative Instruments Measured at Fair Value on Recurring Basis (Detail) ₨ in Millions, $ in Millions	Mar. 31, 2022 INR (₨)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 INR (₨)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	₨ 80,202.3	$ 1,057.1	₨ 84,406.7
Derivative liabilities	74,819.2	$ 986.1	81,880
Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	80,202.3		84,406.7
Derivative liabilities	74,819.2		81,880
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	80,202.3		84,406.7
Derivative liabilities	74,819.2		81,880
Fair Value, Measurements, Recurring \| Fair Value Measurements Using Significant unobservable inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	0		0
Derivative liabilities	₨ 0		₨ 0

Subsequent Events - Additional

Subsequent Events - Additional Information (Detail) ₨ / shares in Units, ₨ in Millions	Apr. 23, 2022 INR (₨) ₨ / shares	Apr. 04, 2022 ₨ / shares	Mar. 31, 2022 ₨ / shares	Mar. 31, 2021 ₨ / shares	Sep. 20, 2019 ₨ / shares	Sep. 19, 2019 ₨ / shares
Subsequent Event [Line Items]
Common stock par or stated value per share			₨ 1	₨ 1	₨ 1	₨ 2
Subsequent Event [Member] \| Proposed Merger [Member]
Subsequent Event [Line Items]
Common stock par or stated value per share		₨ 1
Subsequent Event [Member] \| Proposed Merger [Member] \| HDBHousing Development Finance Corporation Limited [Member]
Subsequent Event [Line Items]
Business combination share exchange ratio		1.68
Common stock par or stated value per share		₨ 2
Dividend Paid [Member] \| Subsequent Event [Member]
Subsequent Event [Line Items]
Dividend paid, per share amount	₨ 15.5
Dividend paid, total amount \| ₨	₨ 86,045.2