<?xml version="1.0" encoding="UTF-8"?>
<xbrli:xbrl xmlns:in-bse-fin="http://www.bseindia.com/xbrl/fin/2019-09-30/in-bse-fin" xmlns:in-bse-fin-roles="http://www.bseindia.com/xbrl/fin/2019-09-30/in-bse-fin-roles" xmlns:in-bse-fin-ent="http://www.bseindia.com/xbrl/fin/2019-09-30/in-bse-fin/in-bse-fin-ent" xmlns:in-bse-fin-type="http://www.bseindia.com/xbrl/fin/2019-09-30/in-bse-fin-types" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:net="http://www.xbrl.org/2009/role/net" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:negated="http://www.xbrl.org/2009/role/negated" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xl="http://www.xbrl.org/2003/XLink">
<link:schemaRef xlink:type="simple" xlink:href="banking_entry_point_2019-09-30.xsd"/>
<xbrli:context id="OneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context>
<xbrli:context id="FourD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context>
<xbrli:context id="OneOperatingExpenses01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:DetailsOfOtherOperatingExpensesAxis">in-bse-fin:OneOperatingExpenses01Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FourOperatingExpenses01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:DetailsOfOtherOperatingExpensesAxis">in-bse-fin:FourOperatingExpenses01Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneI"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context>
<xbrli:context id="OneReportableSegmentRevenue01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsAxis">in-bse-fin:OneReportableSegmentRevenue01Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentRevenue02D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsAxis">in-bse-fin:OneReportableSegmentRevenue02Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentRevenue03D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsAxis">in-bse-fin:OneReportableSegmentRevenue03Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentRevenue04D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsAxis">in-bse-fin:OneReportableSegmentRevenue04Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentRevenue05D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsAxis">in-bse-fin:OneReportableSegmentRevenue05Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentRevenue06D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsAxis">in-bse-fin:OneReportableSegmentRevenue06Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentRevenue07D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsAxis">in-bse-fin:OneReportableSegmentRevenue07Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FourReportableSegmentRevenue01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsAxis">in-bse-fin:FourReportableSegmentRevenue01Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FourReportableSegmentRevenue02D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsAxis">in-bse-fin:FourReportableSegmentRevenue02Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FourReportableSegmentRevenue03D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsAxis">in-bse-fin:FourReportableSegmentRevenue03Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FourReportableSegmentRevenue04D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsAxis">in-bse-fin:FourReportableSegmentRevenue04Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FourReportableSegmentRevenue05D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsAxis">in-bse-fin:FourReportableSegmentRevenue05Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FourReportableSegmentRevenue06D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsAxis">in-bse-fin:FourReportableSegmentRevenue06Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FourReportableSegmentRevenue07D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsAxis">in-bse-fin:FourReportableSegmentRevenue07Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentResults01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsFinanceCostsAxis">in-bse-fin:OneReportableSegmentResults01Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentResults02D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsFinanceCostsAxis">in-bse-fin:OneReportableSegmentResults02Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentResults03D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsFinanceCostsAxis">in-bse-fin:OneReportableSegmentResults03Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentResults04D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsFinanceCostsAxis">in-bse-fin:OneReportableSegmentResults04Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentResults05D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsFinanceCostsAxis">in-bse-fin:OneReportableSegmentResults05Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentResults06D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsFinanceCostsAxis">in-bse-fin:OneReportableSegmentResults06Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentResults07D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsFinanceCostsAxis">in-bse-fin:OneReportableSegmentResults07Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FourReportableSegmentResults01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsFinanceCostsAxis">in-bse-fin:FourReportableSegmentResults01Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FourReportableSegmentResults02D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsFinanceCostsAxis">in-bse-fin:FourReportableSegmentResults02Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FourReportableSegmentResults03D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsFinanceCostsAxis">in-bse-fin:FourReportableSegmentResults03Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FourReportableSegmentResults04D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsFinanceCostsAxis">in-bse-fin:FourReportableSegmentResults04Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FourReportableSegmentResults05D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsFinanceCostsAxis">in-bse-fin:FourReportableSegmentResults05Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FourReportableSegmentResults06D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsFinanceCostsAxis">in-bse-fin:FourReportableSegmentResults06Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FourReportableSegmentResults07D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsFinanceCostsAxis">in-bse-fin:FourReportableSegmentResults07Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentAssets01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentAssetsAxis">in-bse-fin:OneReportableSegmentAssets01Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentAssets02D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentAssetsAxis">in-bse-fin:OneReportableSegmentAssets02Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentAssets03D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentAssetsAxis">in-bse-fin:OneReportableSegmentAssets03Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentAssets04D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentAssetsAxis">in-bse-fin:OneReportableSegmentAssets04Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentAssets05D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentAssetsAxis">in-bse-fin:OneReportableSegmentAssets05Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentAssets06D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentAssetsAxis">in-bse-fin:OneReportableSegmentAssets06Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentAssets07D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentAssetsAxis">in-bse-fin:OneReportableSegmentAssets07Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FourI"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context>
<xbrli:context id="OneReportableSegmentLiabilities01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentLiabilitiesAxis">in-bse-fin:OneReportableSegmentLiabilities01Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentLiabilities01I"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentLiabilitiesAxis">in-bse-fin:OneReportableSegmentLiabilities01Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentLiabilities02D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentLiabilitiesAxis">in-bse-fin:OneReportableSegmentLiabilities02Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentLiabilities02I"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentLiabilitiesAxis">in-bse-fin:OneReportableSegmentLiabilities02Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentLiabilities03D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentLiabilitiesAxis">in-bse-fin:OneReportableSegmentLiabilities03Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentLiabilities03I"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentLiabilitiesAxis">in-bse-fin:OneReportableSegmentLiabilities03Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentLiabilities04D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentLiabilitiesAxis">in-bse-fin:OneReportableSegmentLiabilities04Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentLiabilities04I"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentLiabilitiesAxis">in-bse-fin:OneReportableSegmentLiabilities04Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentLiabilities05D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentLiabilitiesAxis">in-bse-fin:OneReportableSegmentLiabilities05Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentLiabilities05I"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentLiabilitiesAxis">in-bse-fin:OneReportableSegmentLiabilities05Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentLiabilities06D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentLiabilitiesAxis">in-bse-fin:OneReportableSegmentLiabilities06Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentLiabilities06I"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentLiabilitiesAxis">in-bse-fin:OneReportableSegmentLiabilities06Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentLiabilities07D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentLiabilitiesAxis">in-bse-fin:OneReportableSegmentLiabilities07Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentLiabilities07I"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">J&amp;KBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentLiabilitiesAxis">in-bse-fin:OneReportableSegmentLiabilities07Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:unit id="INR"><xbrli:measure>iso4217:INR</xbrli:measure></xbrli:unit><xbrli:unit id="pure"><xbrli:measure>xbrli:pure</xbrli:measure></xbrli:unit><xbrli:unit id="shares"><xbrli:measure>xbrli:shares</xbrli:measure></xbrli:unit><xbrli:unit id="INRPerShare"><xbrli:divide><xbrli:unitNumerator><xbrli:measure>iso4217:INR</xbrli:measure></xbrli:unitNumerator><xbrli:unitDenominator><xbrli:measure>xbrli:shares</xbrli:measure></xbrli:unitDenominator></xbrli:divide></xbrli:unit>
<in-bse-fin:ScripCode contextRef="OneD">532209</in-bse-fin:ScripCode>
<in-bse-fin:Symbol contextRef="OneD">J&amp;KBANK</in-bse-fin:Symbol>
<in-bse-fin:MSEISymbol contextRef="OneD">NOTLISTED</in-bse-fin:MSEISymbol>
<in-bse-fin:ISIN contextRef="OneD">INE168A01041</in-bse-fin:ISIN>
<in-bse-fin:NameOfBank contextRef="OneD">The Jammu &amp; Kashmir Bank Limited</in-bse-fin:NameOfBank>
<in-bse-fin:ResultType contextRef="OneD">Banking Format</in-bse-fin:ResultType>
<in-bse-fin:ClassOfSecurity contextRef="OneD">Equity</in-bse-fin:ClassOfSecurity>
<in-bse-fin:DateOfStartOfFinancialYear contextRef="OneD">2023-04-01</in-bse-fin:DateOfStartOfFinancialYear>
<in-bse-fin:DateOfEndOfFinancialYear contextRef="OneD">2024-03-31</in-bse-fin:DateOfEndOfFinancialYear>
<in-bse-fin:DateOfBoardMeetingWhenFinancialResultsWereApproved contextRef="OneD">2024-01-20</in-bse-fin:DateOfBoardMeetingWhenFinancialResultsWereApproved>
<in-bse-fin:DateOnWhichPriorIntimationOfTheMeetingForConsideringFinancialResultsWasInformedToTheExchange contextRef="OneD">2024-01-03</in-bse-fin:DateOnWhichPriorIntimationOfTheMeetingForConsideringFinancialResultsWasInformedToTheExchange>
<in-bse-fin:DescriptionOfPresentationCurrency contextRef="OneD">INR</in-bse-fin:DescriptionOfPresentationCurrency>
<in-bse-fin:LevelOfRoundingUsedInFinancialStatements contextRef="OneD">Crores</in-bse-fin:LevelOfRoundingUsedInFinancialStatements>
<in-bse-fin:ReportingQuarter contextRef="OneD">Third quarter</in-bse-fin:ReportingQuarter>
<in-bse-fin:IsCompanyReportingMultisegmentOrSingleSegment contextRef="OneD">Multi segment</in-bse-fin:IsCompanyReportingMultisegmentOrSingleSegment>
<in-bse-fin:StartTimeOfBoardMeeting contextRef="OneD">11:00:00</in-bse-fin:StartTimeOfBoardMeeting>
<in-bse-fin:EndTimeOfBoardMeeting contextRef="OneD">16:25:00</in-bse-fin:EndTimeOfBoardMeeting>
<in-bse-fin:DateOfStartOfBoardMeeting contextRef="OneD">2024-01-20</in-bse-fin:DateOfStartOfBoardMeeting>
<in-bse-fin:DateOfEndOfBoardMeeting contextRef="OneD">2024-01-20</in-bse-fin:DateOfEndOfBoardMeeting>
<in-bse-fin:DeclarationOfUnmodifiedOpinionOrStatementOnImpactOfAuditQualification contextRef="OneD">Not applicable</in-bse-fin:DeclarationOfUnmodifiedOpinionOrStatementOnImpactOfAuditQualification>
<in-bse-fin:DateOfStartOfReportingPeriod contextRef="OneD">2023-10-01</in-bse-fin:DateOfStartOfReportingPeriod>
<in-bse-fin:DateOfEndOfReportingPeriod contextRef="OneD">2023-12-31</in-bse-fin:DateOfEndOfReportingPeriod>
<in-bse-fin:WhetherResultsAreAuditedOrUnaudited contextRef="OneD">Unaudited</in-bse-fin:WhetherResultsAreAuditedOrUnaudited>
<in-bse-fin:NatureOfReportStandaloneConsolidated contextRef="OneD">Consolidated</in-bse-fin:NatureOfReportStandaloneConsolidated>
<in-bse-fin:InterestOrDiscountOnAdvancesOrBills contextRef="OneD" unitRef="INR" decimals="-7">22288800000.00</in-bse-fin:InterestOrDiscountOnAdvancesOrBills>
<in-bse-fin:RevenueOnInvestments contextRef="OneD" unitRef="INR" decimals="-7">5648700000.00</in-bse-fin:RevenueOnInvestments>
<in-bse-fin:InterestOnBalancesWithReserveBankOfIndiaAndOtherInterBankFunds contextRef="OneD" unitRef="INR" decimals="-7">92200000.00</in-bse-fin:InterestOnBalancesWithReserveBankOfIndiaAndOtherInterBankFunds>
<in-bse-fin:OtherInterest contextRef="OneD" unitRef="INR" decimals="-7">782300000.00</in-bse-fin:OtherInterest>
<in-bse-fin:InterestEarned contextRef="OneD" unitRef="INR" decimals="-7">28812000000.00</in-bse-fin:InterestEarned>
<in-bse-fin:OtherIncome contextRef="OneD" unitRef="INR" decimals="-7">1857700000.00</in-bse-fin:OtherIncome>
<in-bse-fin:Income contextRef="OneD" unitRef="INR" decimals="-7">30669700000.00</in-bse-fin:Income>
<in-bse-fin:InterestExpended contextRef="OneD" unitRef="INR" decimals="-7">16002900000.00</in-bse-fin:InterestExpended>
<in-bse-fin:EmployeesCost contextRef="OneD" unitRef="INR" decimals="-7">6365500000.00</in-bse-fin:EmployeesCost>
<in-bse-fin:OtherOperatingExpenses contextRef="OneD" unitRef="INR" decimals="-7">2787000000.00</in-bse-fin:OtherOperatingExpenses>
<in-bse-fin:OperatingExpenses contextRef="OneD" unitRef="INR" decimals="-7">9152500000.00</in-bse-fin:OperatingExpenses>
<in-bse-fin:ExpenditureExcludingProvisionsAndContingencies contextRef="OneD" unitRef="INR" decimals="-7">25155400000.00</in-bse-fin:ExpenditureExcludingProvisionsAndContingencies>
<in-bse-fin:OperatingProfitBeforeProvisionAndContingencies contextRef="OneD" unitRef="INR" decimals="-7">5514300000.00</in-bse-fin:OperatingProfitBeforeProvisionAndContingencies>
<in-bse-fin:ProvisionsOtherThanTaxAndContingencies contextRef="OneD" unitRef="INR" decimals="-7">-94300000.00</in-bse-fin:ProvisionsOtherThanTaxAndContingencies>
<in-bse-fin:ExceptionalItems contextRef="OneD" unitRef="INR" decimals="-7">0.00</in-bse-fin:ExceptionalItems>
<in-bse-fin:ProfitLossFromOrdinaryActivitiesBeforeTax contextRef="OneD" unitRef="INR" decimals="-7">5608600000.00</in-bse-fin:ProfitLossFromOrdinaryActivitiesBeforeTax>
<in-bse-fin:TaxExpense contextRef="OneD" unitRef="INR" decimals="-7">1390700000.00</in-bse-fin:TaxExpense>
<in-bse-fin:ProfitLossFromOrdinaryActivitiesAfterTax contextRef="OneD" unitRef="INR" decimals="-7">4217900000.00</in-bse-fin:ProfitLossFromOrdinaryActivitiesAfterTax>
<in-bse-fin:ExtraordinaryItems contextRef="OneD" unitRef="INR" decimals="-7">0.00</in-bse-fin:ExtraordinaryItems>
<in-bse-fin:ProfitLossForThePeriod contextRef="OneD" unitRef="INR" decimals="-7">4217900000.00</in-bse-fin:ProfitLossForThePeriod>
<in-bse-fin:ShareOfProfitLossOfAssociates contextRef="OneD" unitRef="INR" decimals="-7">9800000.00</in-bse-fin:ShareOfProfitLossOfAssociates>
<in-bse-fin:ProfitLossOfMinorityInterest contextRef="OneD" unitRef="INR" decimals="-7">0.00</in-bse-fin:ProfitLossOfMinorityInterest>
<in-bse-fin:ProfitLossAfterTaxesMinorityInterestAndShareOfProfitLossOfAssociates contextRef="OneD" unitRef="INR" decimals="-7">4227700000.00</in-bse-fin:ProfitLossAfterTaxesMinorityInterestAndShareOfProfitLossOfAssociates>
<in-bse-fin:PaidUpValueOfEquityShareCapital contextRef="OneD" unitRef="INR" decimals="-7">1101300000.00</in-bse-fin:PaidUpValueOfEquityShareCapital>
<in-bse-fin:FaceValueOfEquityShareCapital contextRef="OneD" unitRef="INRPerShare" decimals="INF">1.00</in-bse-fin:FaceValueOfEquityShareCapital>
<in-bse-fin:PercentageOfShareHeldByGovernmentOfIndia contextRef="OneD" unitRef="pure" decimals="INF">0.594</in-bse-fin:PercentageOfShareHeldByGovernmentOfIndia>
<in-bse-fin:CET1Ratio contextRef="OneD" unitRef="pure" decimals="INF">0.1068</in-bse-fin:CET1Ratio>
<in-bse-fin:AdditionalTier1Ratio contextRef="OneD" unitRef="pure" decimals="INF">0.1179</in-bse-fin:AdditionalTier1Ratio>
<in-bse-fin:BasicEarningsPerShareBeforeExtraordinaryItems contextRef="OneD" unitRef="INRPerShare" decimals="INF">4.05</in-bse-fin:BasicEarningsPerShareBeforeExtraordinaryItems>
<in-bse-fin:DilutedEarningsPerShareBeforeExtraordinaryItems contextRef="OneD" unitRef="INRPerShare" decimals="INF">4.05</in-bse-fin:DilutedEarningsPerShareBeforeExtraordinaryItems>
<in-bse-fin:BasicEarningsPerShareAfterExtraordinaryItems contextRef="OneD" unitRef="INRPerShare" decimals="INF">4.05</in-bse-fin:BasicEarningsPerShareAfterExtraordinaryItems>
<in-bse-fin:DilutedEarningsPerShareAfterExtraordinaryItems contextRef="OneD" unitRef="INRPerShare" decimals="INF">4.05</in-bse-fin:DilutedEarningsPerShareAfterExtraordinaryItems>
<in-bse-fin:GrossNonPerformingAssets contextRef="OneD" unitRef="INR" decimals="-7">45264800000.00</in-bse-fin:GrossNonPerformingAssets>
<in-bse-fin:NonPerformingAssets contextRef="OneD" unitRef="INR" decimals="-7">7408300000.00</in-bse-fin:NonPerformingAssets>
<in-bse-fin:PercentageOfGrossNpa contextRef="OneD" unitRef="pure" decimals="INF">0.0484</in-bse-fin:PercentageOfGrossNpa>
<in-bse-fin:PercentageOfNpa contextRef="OneD">0.0083</in-bse-fin:PercentageOfNpa>
<in-bse-fin:ReturnOnAssets contextRef="OneD" unitRef="INR" decimals="-7">0.0115</in-bse-fin:ReturnOnAssets>
<in-bse-fin:DateOfStartOfReportingPeriod contextRef="FourD">2023-04-01</in-bse-fin:DateOfStartOfReportingPeriod>
<in-bse-fin:DateOfEndOfReportingPeriod contextRef="FourD">2023-12-31</in-bse-fin:DateOfEndOfReportingPeriod>
<in-bse-fin:WhetherResultsAreAuditedOrUnaudited contextRef="FourD">Unaudited</in-bse-fin:WhetherResultsAreAuditedOrUnaudited>
<in-bse-fin:NatureOfReportStandaloneConsolidated contextRef="FourD">Consolidated</in-bse-fin:NatureOfReportStandaloneConsolidated>
<in-bse-fin:InterestOrDiscountOnAdvancesOrBills contextRef="FourD" unitRef="INR" decimals="-7">63720300000.00</in-bse-fin:InterestOrDiscountOnAdvancesOrBills>
<in-bse-fin:RevenueOnInvestments contextRef="FourD" unitRef="INR" decimals="-7">16935300000.00</in-bse-fin:RevenueOnInvestments>
<in-bse-fin:InterestOnBalancesWithReserveBankOfIndiaAndOtherInterBankFunds contextRef="FourD" unitRef="INR" decimals="-7">303500000.00</in-bse-fin:InterestOnBalancesWithReserveBankOfIndiaAndOtherInterBankFunds>
<in-bse-fin:OtherInterest contextRef="FourD" unitRef="INR" decimals="-7">2069400000.00</in-bse-fin:OtherInterest>
<in-bse-fin:InterestEarned contextRef="FourD" unitRef="INR" decimals="-7">83028500000.00</in-bse-fin:InterestEarned>
<in-bse-fin:OtherIncome contextRef="FourD" unitRef="INR" decimals="-7">6089800000.00</in-bse-fin:OtherIncome>
<in-bse-fin:Income contextRef="FourD" unitRef="INR" decimals="-7">89118300000.00</in-bse-fin:Income>
<in-bse-fin:InterestExpended contextRef="FourD" unitRef="INR" decimals="-7">44040700000.00</in-bse-fin:InterestExpended>
<in-bse-fin:EmployeesCost contextRef="FourD" unitRef="INR" decimals="-7">20929200000.00</in-bse-fin:EmployeesCost>
<in-bse-fin:OtherOperatingExpenses contextRef="FourD" unitRef="INR" decimals="-7">7998200000.00</in-bse-fin:OtherOperatingExpenses>
<in-bse-fin:OperatingExpenses contextRef="FourD" unitRef="INR" decimals="-7">28927400000.00</in-bse-fin:OperatingExpenses>
<in-bse-fin:ExpenditureExcludingProvisionsAndContingencies contextRef="FourD" unitRef="INR" decimals="-7">72968100000.00</in-bse-fin:ExpenditureExcludingProvisionsAndContingencies>
<in-bse-fin:OperatingProfitBeforeProvisionAndContingencies contextRef="FourD" unitRef="INR" decimals="-7">16150200000.00</in-bse-fin:OperatingProfitBeforeProvisionAndContingencies>
<in-bse-fin:ProvisionsOtherThanTaxAndContingencies contextRef="FourD" unitRef="INR" decimals="-7">573600000.00</in-bse-fin:ProvisionsOtherThanTaxAndContingencies>
<in-bse-fin:ExceptionalItems contextRef="FourD" unitRef="INR" decimals="-7">0.00</in-bse-fin:ExceptionalItems>
<in-bse-fin:ProfitLossFromOrdinaryActivitiesBeforeTax contextRef="FourD" unitRef="INR" decimals="-7">15576600000.00</in-bse-fin:ProfitLossFromOrdinaryActivitiesBeforeTax>
<in-bse-fin:TaxExpense contextRef="FourD" unitRef="INR" decimals="-7">4275600000.00</in-bse-fin:TaxExpense>
<in-bse-fin:ProfitLossFromOrdinaryActivitiesAfterTax contextRef="FourD" unitRef="INR" decimals="-7">11301000000.00</in-bse-fin:ProfitLossFromOrdinaryActivitiesAfterTax>
<in-bse-fin:ExtraordinaryItems contextRef="FourD" unitRef="INR" decimals="-7">0.00</in-bse-fin:ExtraordinaryItems>
<in-bse-fin:ProfitLossForThePeriod contextRef="FourD" unitRef="INR" decimals="-7">11301000000.00</in-bse-fin:ProfitLossForThePeriod>
<in-bse-fin:ShareOfProfitLossOfAssociates contextRef="FourD" unitRef="INR" decimals="-7">76800000.00</in-bse-fin:ShareOfProfitLossOfAssociates>
<in-bse-fin:ProfitLossOfMinorityInterest contextRef="FourD" unitRef="INR" decimals="-7">0.00</in-bse-fin:ProfitLossOfMinorityInterest>
<in-bse-fin:ProfitLossAfterTaxesMinorityInterestAndShareOfProfitLossOfAssociates contextRef="FourD" unitRef="INR" decimals="-7">11377800000.00</in-bse-fin:ProfitLossAfterTaxesMinorityInterestAndShareOfProfitLossOfAssociates>
<in-bse-fin:PaidUpValueOfEquityShareCapital contextRef="FourD" unitRef="INR" decimals="-7">1101300000.00</in-bse-fin:PaidUpValueOfEquityShareCapital>
<in-bse-fin:FaceValueOfEquityShareCapital contextRef="FourD" unitRef="INRPerShare" decimals="INF">1.00</in-bse-fin:FaceValueOfEquityShareCapital>
<in-bse-fin:PercentageOfShareHeldByGovernmentOfIndia contextRef="FourD" unitRef="pure" decimals="INF">0.594</in-bse-fin:PercentageOfShareHeldByGovernmentOfIndia>
<in-bse-fin:CET1Ratio contextRef="FourD" unitRef="pure" decimals="INF">0.1068</in-bse-fin:CET1Ratio>
<in-bse-fin:AdditionalTier1Ratio contextRef="FourD" unitRef="pure" decimals="INF">0.1179</in-bse-fin:AdditionalTier1Ratio>
<in-bse-fin:BasicEarningsPerShareBeforeExtraordinaryItems contextRef="FourD" unitRef="INRPerShare" decimals="INF">11.00</in-bse-fin:BasicEarningsPerShareBeforeExtraordinaryItems>
<in-bse-fin:DilutedEarningsPerShareBeforeExtraordinaryItems contextRef="FourD" unitRef="INRPerShare" decimals="INF">11.00</in-bse-fin:DilutedEarningsPerShareBeforeExtraordinaryItems>
<in-bse-fin:BasicEarningsPerShareAfterExtraordinaryItems contextRef="FourD" unitRef="INRPerShare" decimals="INF">11.00</in-bse-fin:BasicEarningsPerShareAfterExtraordinaryItems>
<in-bse-fin:DilutedEarningsPerShareAfterExtraordinaryItems contextRef="FourD" unitRef="INRPerShare" decimals="INF">11.00</in-bse-fin:DilutedEarningsPerShareAfterExtraordinaryItems>
<in-bse-fin:GrossNonPerformingAssets contextRef="FourD" unitRef="INR" decimals="-7">45264800000.00</in-bse-fin:GrossNonPerformingAssets>
<in-bse-fin:NonPerformingAssets contextRef="FourD" unitRef="INR" decimals="-7">7408300000.00</in-bse-fin:NonPerformingAssets>
<in-bse-fin:PercentageOfGrossNpa contextRef="FourD" unitRef="pure" decimals="INF">0.0484</in-bse-fin:PercentageOfGrossNpa>
<in-bse-fin:PercentageOfNpa contextRef="FourD">0.0083</in-bse-fin:PercentageOfNpa>
<in-bse-fin:ReturnOnAssets contextRef="FourD" unitRef="INR" decimals="-7">0.0106</in-bse-fin:ReturnOnAssets>
<in-bse-fin:DescriptionOfOperatingExpenses contextRef="OneOperatingExpenses01D" unitRef="INR" decimals="-7">Other Operating Expenses</in-bse-fin:DescriptionOfOperatingExpenses>
<in-bse-fin:OtherOperatingExpenses contextRef="OneOperatingExpenses01D" unitRef="INR" decimals="-7">2787000000.00</in-bse-fin:OtherOperatingExpenses>
<in-bse-fin:DescriptionOfOperatingExpenses contextRef="FourOperatingExpenses01D" unitRef="INR" decimals="-7">Other Operating Expenses</in-bse-fin:DescriptionOfOperatingExpenses>
<in-bse-fin:OtherOperatingExpenses contextRef="FourOperatingExpenses01D" unitRef="INR" decimals="-7">7998200000.00</in-bse-fin:OtherOperatingExpenses>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentRevenue01D" unitRef="INR" decimals="-7">Add/(Less): Share in Profit/(Loss) of Associates</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentRevenue contextRef="OneReportableSegmentRevenue01D" unitRef="INR" decimals="-7">0.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentRevenue02D" unitRef="INR" decimals="-7">Corporate/Wholesale Banking</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentRevenue contextRef="OneReportableSegmentRevenue02D" unitRef="INR" decimals="-7">5851500000.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentRevenue03D" unitRef="INR" decimals="-7">Less: Tax Expenses/(Credit)</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentRevenue contextRef="OneReportableSegmentRevenue03D" unitRef="INR" decimals="-7">0.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentRevenue04D" unitRef="INR" decimals="-7">Other Banking Business</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentRevenue contextRef="OneReportableSegmentRevenue04D" unitRef="INR" decimals="-7">223200000.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentRevenue05D" unitRef="INR" decimals="-7">Retail Banking</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentRevenue contextRef="OneReportableSegmentRevenue05D" unitRef="INR" decimals="-7">20428200000.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentRevenue06D" unitRef="INR" decimals="-7">Treasury Operations</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentRevenue contextRef="OneReportableSegmentRevenue06D" unitRef="INR" decimals="-7">6639700000.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentRevenue07D" unitRef="INR" decimals="-7">Un-Allocated Business</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentRevenue contextRef="OneReportableSegmentRevenue07D" unitRef="INR" decimals="-7">0.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:DescriptionOfReportableSegment contextRef="FourReportableSegmentRevenue01D" unitRef="INR" decimals="-7">Add/(Less): Share in Profit/(Loss) of Associates</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentRevenue contextRef="FourReportableSegmentRevenue01D" unitRef="INR" decimals="-7">0.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:DescriptionOfReportableSegment contextRef="FourReportableSegmentRevenue02D" unitRef="INR" decimals="-7">Corporate/Wholesale Banking</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentRevenue contextRef="FourReportableSegmentRevenue02D" unitRef="INR" decimals="-7">18222200000.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:DescriptionOfReportableSegment contextRef="FourReportableSegmentRevenue03D" unitRef="INR" decimals="-7">Less: Tax Expenses/(Credit)</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentRevenue contextRef="FourReportableSegmentRevenue03D" unitRef="INR" decimals="-7">0.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:DescriptionOfReportableSegment contextRef="FourReportableSegmentRevenue04D" unitRef="INR" decimals="-7">Other Banking Business</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentRevenue contextRef="FourReportableSegmentRevenue04D" unitRef="INR" decimals="-7">588000000.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:DescriptionOfReportableSegment contextRef="FourReportableSegmentRevenue05D" unitRef="INR" decimals="-7">Retail Banking</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentRevenue contextRef="FourReportableSegmentRevenue05D" unitRef="INR" decimals="-7">59398600000.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:DescriptionOfReportableSegment contextRef="FourReportableSegmentRevenue06D" unitRef="INR" decimals="-7">Treasury Operations</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentRevenue contextRef="FourReportableSegmentRevenue06D" unitRef="INR" decimals="-7">20181600000.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:DescriptionOfReportableSegment contextRef="FourReportableSegmentRevenue07D" unitRef="INR" decimals="-7">Un-Allocated Business</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentRevenue contextRef="FourReportableSegmentRevenue07D" unitRef="INR" decimals="-7">0.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:SegmentRevenue contextRef="OneD" unitRef="INR" decimals="-7">33142600000.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:SegmentRevenue contextRef="FourD" unitRef="INR" decimals="-7">98390400000.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:InterSegmentRevenue contextRef="OneD" unitRef="INR" decimals="-7">2472900000.00</in-bse-fin:InterSegmentRevenue>
<in-bse-fin:InterSegmentRevenue contextRef="FourD" unitRef="INR" decimals="-7">9272100000.00</in-bse-fin:InterSegmentRevenue>
<in-bse-fin:SegmentRevenueFromOperations contextRef="OneD">30669700000.00</in-bse-fin:SegmentRevenueFromOperations>
<in-bse-fin:SegmentRevenueFromOperations contextRef="FourD">89118300000.00</in-bse-fin:SegmentRevenueFromOperations>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentResults01D" unitRef="INR" decimals="-7">Add/(Less): Share in Profit/(Loss) of Associates</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="OneReportableSegmentResults01D" unitRef="INR" decimals="-7">9800000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentResults02D" unitRef="INR" decimals="-7">Corporate/Wholesale Banking</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="OneReportableSegmentResults02D" unitRef="INR" decimals="-7">2969100000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentResults03D" unitRef="INR" decimals="-7">Less: Tax Expenses/(Credit)</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="OneReportableSegmentResults03D" unitRef="INR" decimals="-7">-1390700000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentResults04D" unitRef="INR" decimals="-7">Other Banking Business</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="OneReportableSegmentResults04D" unitRef="INR" decimals="-7">219800000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentResults05D" unitRef="INR" decimals="-7">Retail Banking</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="OneReportableSegmentResults05D" unitRef="INR" decimals="-7">5376600000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentResults06D" unitRef="INR" decimals="-7">Treasury Operations</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="OneReportableSegmentResults06D" unitRef="INR" decimals="-7">239200000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentResults07D" unitRef="INR" decimals="-7">Un-Allocated Business</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="OneReportableSegmentResults07D" unitRef="INR" decimals="-7">-3196100000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:DescriptionOfReportableSegment contextRef="FourReportableSegmentResults01D" unitRef="INR" decimals="-7">Add/(Less): Share in Profit/(Loss) of Associates</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="FourReportableSegmentResults01D" unitRef="INR" decimals="-7">76800000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:DescriptionOfReportableSegment contextRef="FourReportableSegmentResults02D" unitRef="INR" decimals="-7">Corporate/Wholesale Banking</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="FourReportableSegmentResults02D" unitRef="INR" decimals="-7">8887700000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:DescriptionOfReportableSegment contextRef="FourReportableSegmentResults03D" unitRef="INR" decimals="-7">Less: Tax Expenses/(Credit)</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="FourReportableSegmentResults03D" unitRef="INR" decimals="-7">-4275600000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:DescriptionOfReportableSegment contextRef="FourReportableSegmentResults04D" unitRef="INR" decimals="-7">Other Banking Business</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="FourReportableSegmentResults04D" unitRef="INR" decimals="-7">577400000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:DescriptionOfReportableSegment contextRef="FourReportableSegmentResults05D" unitRef="INR" decimals="-7">Retail Banking</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="FourReportableSegmentResults05D" unitRef="INR" decimals="-7">16527200000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:DescriptionOfReportableSegment contextRef="FourReportableSegmentResults06D" unitRef="INR" decimals="-7">Treasury Operations</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="FourReportableSegmentResults06D" unitRef="INR" decimals="-7">1121700000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:DescriptionOfReportableSegment contextRef="FourReportableSegmentResults07D" unitRef="INR" decimals="-7">Un-Allocated Business</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="FourReportableSegmentResults07D" unitRef="INR" decimals="-7">-11537400000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="OneD" unitRef="INR" decimals="-7">4227700000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="FourD" unitRef="INR" decimals="-7">11377800000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:SegmentFinanceCosts contextRef="OneD" unitRef="INR" decimals="-7">0.00</in-bse-fin:SegmentFinanceCosts>
<in-bse-fin:SegmentFinanceCosts contextRef="FourD" unitRef="INR" decimals="-7">0.00</in-bse-fin:SegmentFinanceCosts>
<in-bse-fin:OtherUnallocableExpenditureNetOffUnAllocableIncome contextRef="OneD" unitRef="INR" decimals="-7">0.00</in-bse-fin:OtherUnallocableExpenditureNetOffUnAllocableIncome>
<in-bse-fin:OtherUnallocableExpenditureNetOffUnAllocableIncome contextRef="FourD" unitRef="INR" decimals="-7">0.00</in-bse-fin:OtherUnallocableExpenditureNetOffUnAllocableIncome>
<in-bse-fin:SegmentProfitBeforeTax contextRef="OneD">4227700000.00</in-bse-fin:SegmentProfitBeforeTax>
<in-bse-fin:SegmentProfitBeforeTax contextRef="FourD">11377800000.00</in-bse-fin:SegmentProfitBeforeTax>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentAssets01D" unitRef="INR" decimals="-7">Add/(Less): Share in Profit/(Loss) of Associates</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentAssets contextRef="OneReportableSegmentAssets01D" unitRef="INR" decimals="-7">0.00</in-bse-fin:SegmentAssets>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentAssets02D" unitRef="INR" decimals="-7">Corporate/Wholesale Banking</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentAssets contextRef="OneReportableSegmentAssets02D" unitRef="INR" decimals="-7">274270300000.00</in-bse-fin:SegmentAssets>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentAssets03D" unitRef="INR" decimals="-7">Less: Tax Expenses/(Credit)</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentAssets contextRef="OneReportableSegmentAssets03D" unitRef="INR" decimals="-7">0.00</in-bse-fin:SegmentAssets>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentAssets04D" unitRef="INR" decimals="-7">Other Banking Business</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentAssets contextRef="OneReportableSegmentAssets04D" unitRef="INR" decimals="-7">18000000.00</in-bse-fin:SegmentAssets>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentAssets05D" unitRef="INR" decimals="-7">Retail Banking</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentAssets contextRef="OneReportableSegmentAssets05D" unitRef="INR" decimals="-7">792400500000.00</in-bse-fin:SegmentAssets>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentAssets06D" unitRef="INR" decimals="-7">Treasury Operations</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentAssets contextRef="OneReportableSegmentAssets06D" unitRef="INR" decimals="-7">418357500000.00</in-bse-fin:SegmentAssets>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentAssets07D" unitRef="INR" decimals="-7">Un-Allocated Business</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentAssets contextRef="OneReportableSegmentAssets07D" unitRef="INR" decimals="-7">0.00</in-bse-fin:SegmentAssets>
<in-bse-fin:SegmentAssets contextRef="OneD" unitRef="INR" decimals="-7">1485046300000.00</in-bse-fin:SegmentAssets>
<in-bse-fin:UnAllocableAssets contextRef="OneI" unitRef="INR" decimals="-7">0.00</in-bse-fin:UnAllocableAssets>
<in-bse-fin:UnAllocableAssets contextRef="FourI" unitRef="INR" decimals="-7">0.00</in-bse-fin:UnAllocableAssets>
<in-bse-fin:NetSegmentAssets contextRef="OneI">1485046300000.00</in-bse-fin:NetSegmentAssets>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentLiabilities01D" unitRef="INR" decimals="-7">Add/(Less): Share in Profit/(Loss) of Associates</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentLiabilities contextRef="OneReportableSegmentLiabilities01I" unitRef="INR" decimals="-7">0.00</in-bse-fin:SegmentLiabilities>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentLiabilities02D" unitRef="INR" decimals="-7">Corporate/Wholesale Banking</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentLiabilities contextRef="OneReportableSegmentLiabilities02I" unitRef="INR" decimals="-7">342568500000.00</in-bse-fin:SegmentLiabilities>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentLiabilities03D" unitRef="INR" decimals="-7">Less: Tax Expenses/(Credit)</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentLiabilities contextRef="OneReportableSegmentLiabilities03I" unitRef="INR" decimals="-7">0.00</in-bse-fin:SegmentLiabilities>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentLiabilities04D" unitRef="INR" decimals="-7">Other Banking Business</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentLiabilities contextRef="OneReportableSegmentLiabilities04I" unitRef="INR" decimals="-7">35700000.00</in-bse-fin:SegmentLiabilities>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentLiabilities05D" unitRef="INR" decimals="-7">Retail Banking</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentLiabilities contextRef="OneReportableSegmentLiabilities05I" unitRef="INR" decimals="-7">1003650800000.00</in-bse-fin:SegmentLiabilities>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentLiabilities06D" unitRef="INR" decimals="-7">Treasury Operations</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentLiabilities contextRef="OneReportableSegmentLiabilities06I" unitRef="INR" decimals="-7">21010200000.00</in-bse-fin:SegmentLiabilities>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentLiabilities07D" unitRef="INR" decimals="-7">Un-Allocated Business</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentLiabilities contextRef="OneReportableSegmentLiabilities07I" unitRef="INR" decimals="-7">0.00</in-bse-fin:SegmentLiabilities>
<in-bse-fin:SegmentLiabilities contextRef="OneI" unitRef="INR" decimals="-7">1367265200000.00</in-bse-fin:SegmentLiabilities>
<in-bse-fin:UnAllocableLiabilities contextRef="OneI" unitRef="INR" decimals="-7">0.00</in-bse-fin:UnAllocableLiabilities>
<in-bse-fin:UnAllocableLiabilities contextRef="FourI" unitRef="INR" decimals="-7">0.00</in-bse-fin:UnAllocableLiabilities>
<in-bse-fin:NetSegmentLiabilities contextRef="OneI">1367265200000.00</in-bse-fin:NetSegmentLiabilities>
</xbrli:xbrl>