Commitments and contingencies (Tables)

12 Months Ended

Mar. 31, 2023

Summary Of Operating Lease Right Of Use Asset And Lease Liability

The Bank is party to operating leases for certain of its office premises and employee residences, with a renewal at the option of the Bank. Operating lease right-of-use assets and lease liabilities were as follows:

	As of March 31,
	2022		2023		2023
			(In millions)
Right-of-use assets	Rs.	71,572.2	Rs.	89,989.3	US$	1,094.9
Lease liabilities		78,138.0		97,658.9		1,188.2

Operating Leases of Lessee Disclosure

The total lease expenses were as follows:

	As of March 31,
	2021		2022		2023		2023
	(In millions)
The total minimum lease expense during the year recognized in the consolidated statement of income	Rs.	14,244.4	Rs.	13,866.6	Rs.	17,591.4	US$	214.0

Schedule of Future Minimum Rental Payments for Operating Leases

The future minimum lease payments as of March 31, 2023 were as follows:

Due in fiscal year ending March 31:	Operating leases
	(In millions, except for weighted averages)
2024	Rs.	15,081.4		US$	183.5
2025		14,631.0			178.0
2026		14,527.2			176.8
2027		14,041.9			170.8
2028		13,236.8			161.1
Thereafter		71,890.1			874.7
Total lease payments	Rs.	143,408.4		US$	1,744.9
Less: imputed interest		45,749.5			556.6
Total operating lease liabilities		97,658.9			1,188.2
Weighted average remaining lease term (in years)		9.9			9.9
Weighted average discount rate		7.1	%		7.1	%

Movement in Provision for Reward Points

The movement in provision for credit card and debit card reward points as of March 31, 2022 and March 31, 2023 is as follows:

	As of March 31,
	2022			2023			2023
	(In millions)
Opening provision of reward points	Rs.	6,387.9		Rs.	6,359.1		US$	77.4
Provision made during the year		4,651.3			5,537.3			67.4
Utilization/write back of provision		(4,137.7	)		(4,901.3	)		(59.6	)
Effect of change in rate of accrual of reward points		(542.4	)		(31.9	)		(0.4	)
Closing provision of reward points	Rs.	6,359.1		Rs.	6,963.2		US$	84.8