Mumbai, April 28 -- The profit was largely impacted by the issues in the microfinance industry.

However, total income during the quarter increased by 14.67% YoY to Rs 11,308.35 crore.

Core operating profit (excluding trading gain) de-grew from Rs 1,632 crore in Q4 FY24 to Rs 1,618 crore in Q4 FY25.

Net Interest Income (NII) grew 9.8% YoY to Rs 4,907 crore during the quarter. However, the Net Interest Margin (NIM) on the Bank's AUM decreased by 9 bps QoQ, from 6.04% in Q3 FY25 to 5.95% in Q4 FY25, primarily due to a decline in the microfinance business.

Customer deposits increased by 25.2% to Rs 2,42,543 crore as of 31 March 2025, compared to Rs 1,93,753 crore as of 31 March 2024. Retail deposits grew by 26.4% to Rs 1,91,268 crore as o...