Mumbai, May 14 -- While net interest income (NII) improved by 3% YoY to Rs 2,221.78 crore, EBITDA margin fell by 5 basis points YoY to 2.80% in the fourth quarter.

Profit before tax for Q4 FY26 was Rs 1,934.24 crore as against Rs 1,769.58 crore in Q4 FY25, a growth of 9%.

The provisions for ECL stood at Rs 4,568.62 crore as on 31 March 2026 as against Rs 4,899.03 crore as on 31 March 2025. The Stage-3 exposure at default as of 31 March 2026 stood at 2.16% against 2.47 % as of 31 March 2025 and 2.45% as on 31 December 2025.

Total disbursements were at Rs 21,019 crore in Q4 FY26 as against Rs 19,156 crore for the corresponding period in FY25, up by 10%.

Out of this, disbursements in the individual home loan segment were at Rs. 16,672 cr...