Key Performance Indicators

Pushing limits,
setting benchmarks

Loan disbursement*
(` in crore)
  • 10,445 FY21
  • 11,246 FY22
  • 14,965 FY23
  • 17,583 FY24
  • 21,972 FY25
Assets under management
(` in crore)
  • 74,469 FY21
  • 65,977 FY22
  • 66,617 FY23
  • 71,243 FY24
  • 80,397 FY25
Retail loan asset
(` in crore)
  • 51,189 FY21
  • 50,520 FY22
  • 55,471 FY23
  • 63,306 FY24
  • 74,802 FY25
Loan asset**
(` in crore)
  • 62,255 FY21
  • 56,889 FY22
  • 59,273 FY23
  • 65,358 FY24
  • 75,765 FY25
Deposit outstanding
(` in crore)
  • 17,129 FY21
  • 17,807 FY22
  • 17,248 FY23
  • 17,798 FY24
  • 17,642 FY25
Total revenue
(` in crore)
  • 7,624 FY21
  • 6,201 FY22
  • 6,530 FY23
  • 7,057 FY24
  • 7,692 FY25
Pre-provision operating profit
(` in crore)
  • 2,069 FY21
  • 1,600 FY22
  • 2,052 FY23
  • 2,125 FY24
  • 2,327 FY25
Profit after tax
(` in crore)
  • 930 FY21
  • 836 FY22
  • 1,046 FY23
  • 1,508 FY24
  • 1,936 FY25
Gross non-performing assets#^
(%)
  • 4.74 FY21
  • 8.13 FY22
  • 3.83 FY23
  • 1.50 FY24
  • 1.08 FY25
Gross interest margin
(%)
  • 3.33 FY21
  • 3.16 FY22
  • 4.06 FY23
  • 4.02 FY24
  • 4.11 FY25
OPEX to ATA
(%)
  • 0.52 FY21
  • 0.68 FY22
  • 0.81 FY23
  • 0.93 FY24
  • 1.05 FY25
Return on asset
(` in crore)
  • 1.23 FY21
  • 1.24 FY22
  • 1.61 FY23
  • 2.20 FY24
  • 2.55 FY25
Gearing^
(%)
  • 6.72 FY21
  • 5.37 FY22
  • 4.87 FY23
  • 3.68 FY24
  • 3.70 FY25
Return on equity
(%)
  • 10.91 FY21
  • 8.92 FY22
  • 9.98 FY23
  • 10.90 FY24
  • 12.19 FY25
CRAR^
(%)
  • 18.73 FY21
  • 23.40 FY22
  • 24.43 FY23
  • 29.26 FY24
  • 29.38 FY25
Number of loan and deposit accounts per employee^
(average)
  • 330 FY21
  • 340 FY22
  • 292 FY23
  • 258 FY24
  • 252 FY25
Earnings per share
(`)
  • 55.29 FY21
  • 49.64 FY22
  • 53.21 FY23
  • 58.37 FY24
  • 75.00 FY25
Book value
(`)
  • 530 FY21
  • 586 FY22
  • 652 FY23
  • 577 FY24
  • 649 FY25

*Retail segment contributed to 99.84% of the total loan disbursement in FY25, whereas corporate segment contributed to 0.16%.

**Retail segment contributed to 98.73% of the total Loan asset in FY25, whereas corporate segment contributed to 1.27%.

#Principal outstanding, including principle overdue

^Indicates dates as on 31st March