Select year
Particulars
Mar 2025
Mar 2024
Mar 2023
Mar 2022
Mar 2021
Operational & Financial Ratios
Earnings Per Share (Rs)
19.58
17.13
14.95
9.25
10.81
DPS(Rs)
1.35
1.25
1.25
1.00
0.00
Book NAV/Share(Rs)
171.96
152.74
136.95
122.91
113.55
Yield on Advances
12.68
13.10
12.22
12.07
13.44
Cost of Liabilities
6.31
6.18
5.47
5.56
6.35
NIM
2.85
3.20
3.48
3.21
3.46
Interest Spread
6.36
6.92
6.74
6.51
7.08
ROA(%)
0.88
0.93
0.96
0.68
0.86
ROE(%)
12.09
11.85
11.51
7.82
10.01
ROCE(%)
10.39
10.86
10.51
8.05
9.87
Cost Income Ratio
63.70
64.01
63.00
55.96
48.87
Core Cost Income Ratio
67.74
64.95
63.28
58.34
53.00
Operating Costs to Assets
2.37
2.44
2.56
2.26
2.14
Tier 2 ratio
NA
NA
NA
NA
NA
PER(x)
5.72
6.95
7.15
7.51
9.50
PCE(x)
4.91
5.91
6.13
6.14
8.13
Price/Book(x)
0.65
0.78
0.78
0.56
0.90
Yield(%)
1.21
1.05
1.17
1.44
0.00
EV/Net Sales(x)
1.95
1.85
1.77
1.78
2.22
EV/Core EBITDA(x)
12.18
11.50
9.46
7.83
8.66
EV/EBIT(x)
2.43
2.39
2.39
2.45
2.92
EV/CE(x)
0.87
0.90
0.89
0.14
0.19
M Cap / Sales
0.54
0.69
0.79
0.61
0.92
Core Operating Income Growth
9.27
12.28
26.48
5.51
1.72
Net Profit Growth
14.81
15.12
61.93
-14.38
-0.64
BVPS Growth
12.58
11.53
11.43
8.24
10.71
Advances Growth
24.73
19.04
18.15
13.05
1.55
EPS Growth(%)
14.26
14.65
61.66
-14.50
-0.67
Cash / Deposits(x)
0.04
0.06
0.05
0.09
0.04
Investment / Deposits(x)
0.34
0.33
0.31
0.26
0.28
IncLoan / Deposits(x)
15.18
12.60
9.99
11.77
15.09
Total Debt/Mcap(x)
NA
NA
NA
NA
NA
Net NPAs (funded) to Net Advances (%)
1.12
1.11
1.04
1.97
2.29