<?xml version="1.0" encoding="UTF-8"?>
<xbrli:xbrl xmlns:in-bse-fin="http://www.bseindia.com/xbrl/fin/2018-03-31/in-bse-fin" xmlns:in-bse-fin-roles="http://www.bseindia.com/xbrl/fin/2018-03-31/in-bse-fin-roles" xmlns:in-bse-fin-ent="http://www.bseindia.com/xbrl/fin/2018-03-31/in-bse-fin/in-bse-fin-ent" xmlns:in-bse-fin-type="http://www.bseindia.com/xbrl/fin/2018-03-31/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_2018-03-31.xsd"/>
<xbrli:context id="OneOperatingExpenses01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">BANKBARODA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2019-10-01</xbrli:startDate><xbrli:endDate>2019-12-31</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="OneOperatingExpenses02D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">BANKBARODA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2019-10-01</xbrli:startDate><xbrli:endDate>2019-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:DetailsOfOtherOperatingExpensesAxis">in-bse-fin:OneOperatingExpenses02Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FourOperatingExpenses01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">BANKBARODA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2019-10-01</xbrli:startDate><xbrli:endDate>2019-12-31</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="FourOperatingExpenses02D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">BANKBARODA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2019-10-01</xbrli:startDate><xbrli:endDate>2019-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:DetailsOfOtherOperatingExpensesAxis">in-bse-fin:FourOperatingExpenses02Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentRevenue01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">BANKBARODA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2019-10-01</xbrli:startDate><xbrli:endDate>2019-12-31</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">BANKBARODA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2019-10-01</xbrli:startDate><xbrli:endDate>2019-12-31</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">BANKBARODA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2019-10-01</xbrli:startDate><xbrli:endDate>2019-12-31</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">BANKBARODA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2019-10-01</xbrli:startDate><xbrli:endDate>2019-12-31</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="FourReportableSegmentRevenue01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">BANKBARODA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2019-10-01</xbrli:startDate><xbrli:endDate>2019-12-31</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">BANKBARODA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2019-10-01</xbrli:startDate><xbrli:endDate>2019-12-31</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">BANKBARODA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2019-10-01</xbrli:startDate><xbrli:endDate>2019-12-31</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">BANKBARODA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2019-10-01</xbrli:startDate><xbrli:endDate>2019-12-31</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="OneReportableSegmentResults01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">BANKBARODA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2019-10-01</xbrli:startDate><xbrli:endDate>2019-12-31</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">BANKBARODA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2019-10-01</xbrli:startDate><xbrli:endDate>2019-12-31</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">BANKBARODA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2019-10-01</xbrli:startDate><xbrli:endDate>2019-12-31</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">BANKBARODA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2019-10-01</xbrli:startDate><xbrli:endDate>2019-12-31</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="FourReportableSegmentResults01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">BANKBARODA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2019-10-01</xbrli:startDate><xbrli:endDate>2019-12-31</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">BANKBARODA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2019-10-01</xbrli:startDate><xbrli:endDate>2019-12-31</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">BANKBARODA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2019-10-01</xbrli:startDate><xbrli:endDate>2019-12-31</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">BANKBARODA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2019-10-01</xbrli:startDate><xbrli:endDate>2019-12-31</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="OneReportableSegmentAssets01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">BANKBARODA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2019-10-01</xbrli:startDate><xbrli:endDate>2019-12-31</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">BANKBARODA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2019-10-01</xbrli:startDate><xbrli:endDate>2019-12-31</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">BANKBARODA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2019-10-01</xbrli:startDate><xbrli:endDate>2019-12-31</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">BANKBARODA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2019-10-01</xbrli:startDate><xbrli:endDate>2019-12-31</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="OneReportableSegmentLiabilities01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">BANKBARODA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2019-10-01</xbrli:startDate><xbrli:endDate>2019-12-31</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">BANKBARODA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2019-12-31</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">BANKBARODA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2019-10-01</xbrli:startDate><xbrli:endDate>2019-12-31</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">BANKBARODA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2019-12-31</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">BANKBARODA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2019-10-01</xbrli:startDate><xbrli:endDate>2019-12-31</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">BANKBARODA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2019-12-31</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">BANKBARODA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2019-10-01</xbrli:startDate><xbrli:endDate>2019-12-31</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">BANKBARODA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2019-12-31</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentLiabilitiesAxis">in-bse-fin:OneReportableSegmentLiabilities04Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli: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:Symbol contextRef="OneD">BANKBARODA</in-bse-fin:Symbol>
<in-bse-fin:NameOfBank contextRef="OneD">Bank Of Baroda</in-bse-fin:NameOfBank>
<in-bse-fin:DateOfStartOfFinancialYear contextRef="OneD">2019-04-01</in-bse-fin:DateOfStartOfFinancialYear>
<in-bse-fin:DateOfEndOfFinancialYear contextRef="OneD">2020-03-31</in-bse-fin:DateOfEndOfFinancialYear>
<in-bse-fin:DescriptionOfPresentationCurrency contextRef="OneD">INR</in-bse-fin:DescriptionOfPresentationCurrency>
<in-bse-fin:ReportingQuarter contextRef="OneD">Third quarter</in-bse-fin:ReportingQuarter>
<in-bse-fin:DeclarationOfUnmodifiedOpinionOrStatementOnImpactOfAuditQualification contextRef="OneD">Not applicable</in-bse-fin:DeclarationOfUnmodifiedOpinionOrStatementOnImpactOfAuditQualification>
<in-bse-fin:DateOfEndOfReportingPeriod contextRef="OneD">2019-12-31</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="-5">139243500000.00</in-bse-fin:InterestOrDiscountOnAdvancesOrBills>
<in-bse-fin:RevenueOnInvestments contextRef="OneD" unitRef="INR" decimals="-5">49806300000.00</in-bse-fin:RevenueOnInvestments>
<in-bse-fin:InterestOnBalancesWithReserveBankOfIndiaAndOtherInterBankFunds contextRef="OneD" unitRef="INR" decimals="-5">4831800000.00</in-bse-fin:InterestOnBalancesWithReserveBankOfIndiaAndOtherInterBankFunds>
<in-bse-fin:OtherInterest contextRef="OneD" unitRef="INR" decimals="-5">6023700000.00</in-bse-fin:OtherInterest>
<in-bse-fin:InterestEarned contextRef="OneD" unitRef="INR" decimals="-5">199905300000.00</in-bse-fin:InterestEarned>
<in-bse-fin:OtherIncome contextRef="OneD" unitRef="INR" decimals="-5">31441400000.00</in-bse-fin:OtherIncome>
<in-bse-fin:Income contextRef="OneD" unitRef="INR" decimals="-5">231346700000.00</in-bse-fin:Income>
<in-bse-fin:InterestExpended contextRef="OneD" unitRef="INR" decimals="-5">123148200000.00</in-bse-fin:InterestExpended>
<in-bse-fin:EmployeesCost contextRef="OneD" unitRef="INR" decimals="-5">27204800000.00</in-bse-fin:EmployeesCost>
<in-bse-fin:OtherOperatingExpenses contextRef="OneD" unitRef="INR" decimals="-5">28434600000.00</in-bse-fin:OtherOperatingExpenses>
<in-bse-fin:OperatingExpenses contextRef="OneD" unitRef="INR" decimals="-5">55639400000.00</in-bse-fin:OperatingExpenses>
<in-bse-fin:ExpenditureExcludingProvisionsAndContingencies contextRef="OneD" unitRef="INR" decimals="-5">178787600000.00</in-bse-fin:ExpenditureExcludingProvisionsAndContingencies>
<in-bse-fin:OperatingProfitBeforeProvisionAndContingencies contextRef="OneD" unitRef="INR" decimals="-5">52559100000.00</in-bse-fin:OperatingProfitBeforeProvisionAndContingencies>
<in-bse-fin:ProvisionsOtherThanTaxAndContingencies contextRef="OneD" unitRef="INR" decimals="-5">72336200000.00</in-bse-fin:ProvisionsOtherThanTaxAndContingencies>
<in-bse-fin:ExceptionalItems contextRef="OneD" unitRef="INR" decimals="-5">0.00</in-bse-fin:ExceptionalItems>
<in-bse-fin:ProfitLossFromOrdinaryActivitiesBeforeTax contextRef="OneD" unitRef="INR" decimals="-5">-19777100000.00</in-bse-fin:ProfitLossFromOrdinaryActivitiesBeforeTax>
<in-bse-fin:TaxExpense contextRef="OneD" unitRef="INR" decimals="-5">-7588400000.00</in-bse-fin:TaxExpense>
<in-bse-fin:ProfitLossFromOrdinaryActivitiesAfterTax contextRef="OneD" unitRef="INR" decimals="-5">-12188700000.00</in-bse-fin:ProfitLossFromOrdinaryActivitiesAfterTax>
<in-bse-fin:ExtraordinaryItems contextRef="OneD" unitRef="INR" decimals="-5">0.00</in-bse-fin:ExtraordinaryItems>
<in-bse-fin:ProfitLossForThePeriod contextRef="OneD" unitRef="INR" decimals="-5">-12188700000.00</in-bse-fin:ProfitLossForThePeriod>
<in-bse-fin:ShareOfProfitLossOfAssociates contextRef="OneD" unitRef="INR" decimals="-5">194000000.00</in-bse-fin:ShareOfProfitLossOfAssociates>
<in-bse-fin:ProfitLossOfMinorityInterest contextRef="OneD" unitRef="INR" decimals="-5">195700000.00</in-bse-fin:ProfitLossOfMinorityInterest>
<in-bse-fin:ProfitLossAfterTaxesMinorityInterestAndShareOfProfitLossOfAssociates contextRef="OneD" unitRef="INR" decimals="-5">-12190400000.00</in-bse-fin:ProfitLossAfterTaxesMinorityInterestAndShareOfProfitLossOfAssociates>
<in-bse-fin:PaidUpValueOfEquityShareCapital contextRef="OneD" unitRef="INR" decimals="-5">9253700000.00</in-bse-fin:PaidUpValueOfEquityShareCapital>
<in-bse-fin:FaceValueOfEquityShareCapital contextRef="OneD" unitRef="INRPerShare" decimals="INF">2.00</in-bse-fin:FaceValueOfEquityShareCapital>
<in-bse-fin:PercentageOfShareHeldByGovernmentOfIndia contextRef="OneD" unitRef="pure" decimals="INF">0.716</in-bse-fin:PercentageOfShareHeldByGovernmentOfIndia>
<in-bse-fin:CET1Ratio contextRef="OneD" unitRef="pure" decimals="INF">0.1045</in-bse-fin:CET1Ratio>
<in-bse-fin:AdditionalTier1Ratio contextRef="OneD" unitRef="pure" decimals="INF">0.0155</in-bse-fin:AdditionalTier1Ratio>
<in-bse-fin:BasicEarningsPerShareBeforeExtraordinaryItems contextRef="OneD" unitRef="INRPerShare" decimals="INF">-3.20</in-bse-fin:BasicEarningsPerShareBeforeExtraordinaryItems>
<in-bse-fin:DilutedEarningsPerShareBeforeExtraordinaryItems contextRef="OneD" unitRef="INRPerShare" decimals="INF">-3.20</in-bse-fin:DilutedEarningsPerShareBeforeExtraordinaryItems>
<in-bse-fin:BasicEarningsPerShareAfterExtraordinaryItems contextRef="OneD" unitRef="INRPerShare" decimals="INF">-3.20</in-bse-fin:BasicEarningsPerShareAfterExtraordinaryItems>
<in-bse-fin:DilutedEarningsPerShareAfterExtraordinaryItems contextRef="OneD" unitRef="INRPerShare" decimals="INF">-3.20</in-bse-fin:DilutedEarningsPerShareAfterExtraordinaryItems>
<in-bse-fin:GrossNonPerformingAssets contextRef="OneD" unitRef="INR" decimals="-5">0.00</in-bse-fin:GrossNonPerformingAssets>
<in-bse-fin:NonPerformingAssets contextRef="OneD" unitRef="INR" decimals="-5">0.00</in-bse-fin:NonPerformingAssets>
<in-bse-fin:PercentageOfGrossNpa contextRef="OneD" unitRef="pure" decimals="INF">0.00</in-bse-fin:PercentageOfGrossNpa>
<in-bse-fin:PercentageOfNpa contextRef="OneD">0.00</in-bse-fin:PercentageOfNpa>
<in-bse-fin:ReturnOnAssets contextRef="OneD" unitRef="INR" decimals="-5">0.00</in-bse-fin:ReturnOnAssets>
<in-bse-fin:DisclosureOfNotesOnFinancialResultsExplanatoryTextBlock contextRef="OneD">Disclosure as per PDF Result Filed on Portal</in-bse-fin:DisclosureOfNotesOnFinancialResultsExplanatoryTextBlock>
<in-bse-fin:DateOfEndOfReportingPeriod contextRef="FourD">2019-12-31</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="-5">418489500000.00</in-bse-fin:InterestOrDiscountOnAdvancesOrBills>
<in-bse-fin:RevenueOnInvestments contextRef="FourD" unitRef="INR" decimals="-5">147443100000.00</in-bse-fin:RevenueOnInvestments>
<in-bse-fin:InterestOnBalancesWithReserveBankOfIndiaAndOtherInterBankFunds contextRef="FourD" unitRef="INR" decimals="-5">16281600000.00</in-bse-fin:InterestOnBalancesWithReserveBankOfIndiaAndOtherInterBankFunds>
<in-bse-fin:OtherInterest contextRef="FourD" unitRef="INR" decimals="-5">15691000000.00</in-bse-fin:OtherInterest>
<in-bse-fin:InterestEarned contextRef="FourD" unitRef="INR" decimals="-5">597905200000.00</in-bse-fin:InterestEarned>
<in-bse-fin:OtherIncome contextRef="FourD" unitRef="INR" decimals="-5">87056700000.00</in-bse-fin:OtherIncome>
<in-bse-fin:Income contextRef="FourD" unitRef="INR" decimals="-5">684961900000.00</in-bse-fin:Income>
<in-bse-fin:InterestExpended contextRef="FourD" unitRef="INR" decimals="-5">377211400000.00</in-bse-fin:InterestExpended>
<in-bse-fin:EmployeesCost contextRef="FourD" unitRef="INR" decimals="-5">71771700000.00</in-bse-fin:EmployeesCost>
<in-bse-fin:OtherOperatingExpenses contextRef="FourD" unitRef="INR" decimals="-5">83261600000.00</in-bse-fin:OtherOperatingExpenses>
<in-bse-fin:OperatingExpenses contextRef="FourD" unitRef="INR" decimals="-5">155033300000.00</in-bse-fin:OperatingExpenses>
<in-bse-fin:ExpenditureExcludingProvisionsAndContingencies contextRef="FourD" unitRef="INR" decimals="-5">532244700000.00</in-bse-fin:ExpenditureExcludingProvisionsAndContingencies>
<in-bse-fin:OperatingProfitBeforeProvisionAndContingencies contextRef="FourD" unitRef="INR" decimals="-5">152717200000.00</in-bse-fin:OperatingProfitBeforeProvisionAndContingencies>
<in-bse-fin:ProvisionsOtherThanTaxAndContingencies contextRef="FourD" unitRef="INR" decimals="-5">147720100000.00</in-bse-fin:ProvisionsOtherThanTaxAndContingencies>
<in-bse-fin:ExceptionalItems contextRef="FourD" unitRef="INR" decimals="-5">0.00</in-bse-fin:ExceptionalItems>
<in-bse-fin:ProfitLossFromOrdinaryActivitiesBeforeTax contextRef="FourD" unitRef="INR" decimals="-5">4997100000.00</in-bse-fin:ProfitLossFromOrdinaryActivitiesBeforeTax>
<in-bse-fin:TaxExpense contextRef="FourD" unitRef="INR" decimals="-5">386300000.00</in-bse-fin:TaxExpense>
<in-bse-fin:ProfitLossFromOrdinaryActivitiesAfterTax contextRef="FourD" unitRef="INR" decimals="-5">4610800000.00</in-bse-fin:ProfitLossFromOrdinaryActivitiesAfterTax>
<in-bse-fin:ExtraordinaryItems contextRef="FourD" unitRef="INR" decimals="-5">0.00</in-bse-fin:ExtraordinaryItems>
<in-bse-fin:ProfitLossForThePeriod contextRef="FourD" unitRef="INR" decimals="-5">4610800000.00</in-bse-fin:ProfitLossForThePeriod>
<in-bse-fin:ShareOfProfitLossOfAssociates contextRef="FourD" unitRef="INR" decimals="-5">553500000.00</in-bse-fin:ShareOfProfitLossOfAssociates>
<in-bse-fin:ProfitLossOfMinorityInterest contextRef="FourD" unitRef="INR" decimals="-5">481000000.00</in-bse-fin:ProfitLossOfMinorityInterest>
<in-bse-fin:ProfitLossAfterTaxesMinorityInterestAndShareOfProfitLossOfAssociates contextRef="FourD" unitRef="INR" decimals="-5">4683300000.00</in-bse-fin:ProfitLossAfterTaxesMinorityInterestAndShareOfProfitLossOfAssociates>
<in-bse-fin:PaidUpValueOfEquityShareCapital contextRef="FourD" unitRef="INR" decimals="-5">9253700000.00</in-bse-fin:PaidUpValueOfEquityShareCapital>
<in-bse-fin:FaceValueOfEquityShareCapital contextRef="FourD" unitRef="INRPerShare" decimals="INF">2.00</in-bse-fin:FaceValueOfEquityShareCapital>
<in-bse-fin:PercentageOfShareHeldByGovernmentOfIndia contextRef="FourD" unitRef="pure" decimals="INF">0.716</in-bse-fin:PercentageOfShareHeldByGovernmentOfIndia>
<in-bse-fin:CET1Ratio contextRef="FourD" unitRef="pure" decimals="INF">0.1045</in-bse-fin:CET1Ratio>
<in-bse-fin:AdditionalTier1Ratio contextRef="FourD" unitRef="pure" decimals="INF">0.0155</in-bse-fin:AdditionalTier1Ratio>
<in-bse-fin:BasicEarningsPerShareBeforeExtraordinaryItems contextRef="FourD" unitRef="INRPerShare" decimals="INF">1.23</in-bse-fin:BasicEarningsPerShareBeforeExtraordinaryItems>
<in-bse-fin:DilutedEarningsPerShareBeforeExtraordinaryItems contextRef="FourD" unitRef="INRPerShare" decimals="INF">1.23</in-bse-fin:DilutedEarningsPerShareBeforeExtraordinaryItems>
<in-bse-fin:BasicEarningsPerShareAfterExtraordinaryItems contextRef="FourD" unitRef="INRPerShare" decimals="INF">1.23</in-bse-fin:BasicEarningsPerShareAfterExtraordinaryItems>
<in-bse-fin:DilutedEarningsPerShareAfterExtraordinaryItems contextRef="FourD" unitRef="INRPerShare" decimals="INF">1.23</in-bse-fin:DilutedEarningsPerShareAfterExtraordinaryItems>
<in-bse-fin:GrossNonPerformingAssets contextRef="FourD" unitRef="INR" decimals="-5">0.00</in-bse-fin:GrossNonPerformingAssets>
<in-bse-fin:NonPerformingAssets contextRef="FourD" unitRef="INR" decimals="-5">0.00</in-bse-fin:NonPerformingAssets>
<in-bse-fin:PercentageOfGrossNpa contextRef="FourD" unitRef="pure" decimals="INF">0.00</in-bse-fin:PercentageOfGrossNpa>
<in-bse-fin:PercentageOfNpa contextRef="FourD">0.00</in-bse-fin:PercentageOfNpa>
<in-bse-fin:ReturnOnAssets contextRef="FourD" unitRef="INR" decimals="-5">0.00</in-bse-fin:ReturnOnAssets>
<in-bse-fin:DescriptionOfOperatingExpenses contextRef="OneOperatingExpenses01D" unitRef="INR" decimals="-5">Other Operating expenses</in-bse-fin:DescriptionOfOperatingExpenses>
<in-bse-fin:OtherOperatingExpenses contextRef="OneOperatingExpenses01D" unitRef="INR" decimals="-5">24521500000.00</in-bse-fin:OtherOperatingExpenses>
<in-bse-fin:DescriptionOfOperatingExpenses contextRef="OneOperatingExpenses02D" unitRef="INR" decimals="-5">Rent Taxes and Lighting</in-bse-fin:DescriptionOfOperatingExpenses>
<in-bse-fin:OtherOperatingExpenses contextRef="OneOperatingExpenses02D" unitRef="INR" decimals="-5">3913100000.00</in-bse-fin:OtherOperatingExpenses>
<in-bse-fin:DescriptionOfOperatingExpenses contextRef="FourOperatingExpenses01D" unitRef="INR" decimals="-5">Other Operating expenses</in-bse-fin:DescriptionOfOperatingExpenses>
<in-bse-fin:OtherOperatingExpenses contextRef="FourOperatingExpenses01D" unitRef="INR" decimals="-5">71643300000.00</in-bse-fin:OtherOperatingExpenses>
<in-bse-fin:DescriptionOfOperatingExpenses contextRef="FourOperatingExpenses02D" unitRef="INR" decimals="-5">Rent Taxes and Lighting</in-bse-fin:DescriptionOfOperatingExpenses>
<in-bse-fin:OtherOperatingExpenses contextRef="FourOperatingExpenses02D" unitRef="INR" decimals="-5">11618300000.00</in-bse-fin:OtherOperatingExpenses>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentRevenue01D" unitRef="INR" decimals="-5">Other Banking Operations</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentRevenue contextRef="OneReportableSegmentRevenue01D" unitRef="INR" decimals="-5">6475300000.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentRevenue02D" unitRef="INR" decimals="-5">Retail Banking</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentRevenue contextRef="OneReportableSegmentRevenue02D" unitRef="INR" decimals="-5">72969800000.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentRevenue03D" unitRef="INR" decimals="-5">Treasury Operations</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentRevenue contextRef="OneReportableSegmentRevenue03D" unitRef="INR" decimals="-5">66071400000.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentRevenue04D" unitRef="INR" decimals="-5">Wholesale Banking</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentRevenue contextRef="OneReportableSegmentRevenue04D" unitRef="INR" decimals="-5">85830100000.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:DescriptionOfReportableSegment contextRef="FourReportableSegmentRevenue01D" unitRef="INR" decimals="-5">Other Banking Operations</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentRevenue contextRef="FourReportableSegmentRevenue01D" unitRef="INR" decimals="-5">16450200000.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:DescriptionOfReportableSegment contextRef="FourReportableSegmentRevenue02D" unitRef="INR" decimals="-5">Retail Banking</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentRevenue contextRef="FourReportableSegmentRevenue02D" unitRef="INR" decimals="-5">221428700000.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:DescriptionOfReportableSegment contextRef="FourReportableSegmentRevenue03D" unitRef="INR" decimals="-5">Treasury Operations</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentRevenue contextRef="FourReportableSegmentRevenue03D" unitRef="INR" decimals="-5">200268900000.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:DescriptionOfReportableSegment contextRef="FourReportableSegmentRevenue04D" unitRef="INR" decimals="-5">Wholesale Banking</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentRevenue contextRef="FourReportableSegmentRevenue04D" unitRef="INR" decimals="-5">246814100000.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:SegmentRevenue contextRef="OneD" unitRef="INR" decimals="-5">231346600000.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:SegmentRevenue contextRef="FourD" unitRef="INR" decimals="-5">684961900000.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:InterSegmentRevenue contextRef="OneD" unitRef="INR" decimals="-5">0.00</in-bse-fin:InterSegmentRevenue>
<in-bse-fin:InterSegmentRevenue contextRef="FourD" unitRef="INR" decimals="-5">0.00</in-bse-fin:InterSegmentRevenue>
<in-bse-fin:SegmentRevenueFromOperations contextRef="OneD">231346600000.00</in-bse-fin:SegmentRevenueFromOperations>
<in-bse-fin:SegmentRevenueFromOperations contextRef="FourD">684961900000.00</in-bse-fin:SegmentRevenueFromOperations>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentResults01D" unitRef="INR" decimals="-5">Other Banking Operations</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="OneReportableSegmentResults01D" unitRef="INR" decimals="-5">1071900000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentResults02D" unitRef="INR" decimals="-5">Retail Banking</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="OneReportableSegmentResults02D" unitRef="INR" decimals="-5">17433700000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentResults03D" unitRef="INR" decimals="-5">Treasury Operations</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="OneReportableSegmentResults03D" unitRef="INR" decimals="-5">11659200000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentResults04D" unitRef="INR" decimals="-5">Wholesale Banking</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="OneReportableSegmentResults04D" unitRef="INR" decimals="-5">-37134600000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:DescriptionOfReportableSegment contextRef="FourReportableSegmentResults01D" unitRef="INR" decimals="-5">Other Banking Operations</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="FourReportableSegmentResults01D" unitRef="INR" decimals="-5">967800000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:DescriptionOfReportableSegment contextRef="FourReportableSegmentResults02D" unitRef="INR" decimals="-5">Retail Banking</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="FourReportableSegmentResults02D" unitRef="INR" decimals="-5">54477000000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:DescriptionOfReportableSegment contextRef="FourReportableSegmentResults03D" unitRef="INR" decimals="-5">Treasury Operations</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="FourReportableSegmentResults03D" unitRef="INR" decimals="-5">38425100000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:DescriptionOfReportableSegment contextRef="FourReportableSegmentResults04D" unitRef="INR" decimals="-5">Wholesale Banking</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="FourReportableSegmentResults04D" unitRef="INR" decimals="-5">-50418000000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="OneD" unitRef="INR" decimals="-5">-6969800000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="FourD" unitRef="INR" decimals="-5">43451900000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:SegmentFinanceCosts contextRef="OneD" unitRef="INR" decimals="-5">-7588400000.00</in-bse-fin:SegmentFinanceCosts>
<in-bse-fin:SegmentFinanceCosts contextRef="FourD" unitRef="INR" decimals="-5">386300000.00</in-bse-fin:SegmentFinanceCosts>
<in-bse-fin:OtherUnallocableExpenditureNetOffUnAllocableIncome contextRef="OneD" unitRef="INR" decimals="-5">12809100000.00</in-bse-fin:OtherUnallocableExpenditureNetOffUnAllocableIncome>
<in-bse-fin:OtherUnallocableExpenditureNetOffUnAllocableIncome contextRef="FourD" unitRef="INR" decimals="-5">38382300000.00</in-bse-fin:OtherUnallocableExpenditureNetOffUnAllocableIncome>
<in-bse-fin:SegmentProfitBeforeTax contextRef="OneD">-12190500000.00</in-bse-fin:SegmentProfitBeforeTax>
<in-bse-fin:SegmentProfitBeforeTax contextRef="FourD">4683300000.00</in-bse-fin:SegmentProfitBeforeTax>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentAssets01D" unitRef="INR" decimals="-5">Other Banking Operations</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentAssets contextRef="OneReportableSegmentAssets01D" unitRef="INR" decimals="-5">64118500000.00</in-bse-fin:SegmentAssets>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentAssets02D" unitRef="INR" decimals="-5">Retail Banking</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentAssets contextRef="OneReportableSegmentAssets02D" unitRef="INR" decimals="-5">2459944900000.00</in-bse-fin:SegmentAssets>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentAssets03D" unitRef="INR" decimals="-5">Treasury Operations</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentAssets contextRef="OneReportableSegmentAssets03D" unitRef="INR" decimals="-5">3387362900000.00</in-bse-fin:SegmentAssets>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentAssets04D" unitRef="INR" decimals="-5">Wholesale Banking</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentAssets contextRef="OneReportableSegmentAssets04D" unitRef="INR" decimals="-5">5318835600000.00</in-bse-fin:SegmentAssets>
<in-bse-fin:SegmentAssets contextRef="OneD" unitRef="INR" decimals="-5">11230261900000.00</in-bse-fin:SegmentAssets>
<in-bse-fin:UnAllocableAssets contextRef="OneI" unitRef="INR" decimals="-5">137654100000.00</in-bse-fin:UnAllocableAssets>
<in-bse-fin:UnAllocableAssets contextRef="FourI" unitRef="INR" decimals="-5">137654100000.00</in-bse-fin:UnAllocableAssets>
<in-bse-fin:NetSegmentAssets contextRef="OneI">11367916000000.00</in-bse-fin:NetSegmentAssets>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentLiabilities01D" unitRef="INR" decimals="-5">Other Banking Operations</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentLiabilities contextRef="OneReportableSegmentLiabilities01I" unitRef="INR" decimals="-5">59843100000.00</in-bse-fin:SegmentLiabilities>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentLiabilities02D" unitRef="INR" decimals="-5">Retail Banking</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentLiabilities contextRef="OneReportableSegmentLiabilities02I" unitRef="INR" decimals="-5">2295915300000.00</in-bse-fin:SegmentLiabilities>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentLiabilities03D" unitRef="INR" decimals="-5">Treasury Operations</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentLiabilities contextRef="OneReportableSegmentLiabilities03I" unitRef="INR" decimals="-5">3161492900000.00</in-bse-fin:SegmentLiabilities>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentLiabilities04D" unitRef="INR" decimals="-5">Wholesale Banking</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentLiabilities contextRef="OneReportableSegmentLiabilities04I" unitRef="INR" decimals="-5">4964174600000.00</in-bse-fin:SegmentLiabilities>
<in-bse-fin:SegmentLiabilities contextRef="OneI" unitRef="INR" decimals="-5">10481425900000.00</in-bse-fin:SegmentLiabilities>
<in-bse-fin:UnAllocableLiabilities contextRef="OneI" unitRef="INR" decimals="-5">128475300000.00</in-bse-fin:UnAllocableLiabilities>
<in-bse-fin:UnAllocableLiabilities contextRef="FourI" unitRef="INR" decimals="-5">128475300000.00</in-bse-fin:UnAllocableLiabilities>
<in-bse-fin:NetSegmentLiabilities contextRef="OneI">10609901200000.00</in-bse-fin:NetSegmentLiabilities>
</xbrli:xbrl>