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Business Model

Delivering Integrated Value
Propositions through One Axis

'One Axis' empowers us to deliver exceptional results by bringing together our various subsidiaries to provide a comprehensive suite of products and solutions that address the evolving needs and preferences of our customers.

Our Resources


Our people are the backbone of our organisation. We empower employees to deliver delight to our customers


Our brand signifies the human touch with technological innovation for meeting customer aspirations

Technology and Infrastructure

We aim to become the best digital Bank for our retail as well as corporate customers

Operations and Governance

We have developed robust governance, compliance, and risk management practices to deliver success ethically and transparently

We Serve a Diversified Group of Customers Taking Care of All Their Financial Needs

Credit Relationships


Transaction Banking

TReDS Platform

Investments – Asset Management


Retail Brokerage


Investment Banking and Institutional Equities


Delivered Through One Axis Ecosystem

Power of One Axis

Providing an entire gamut of financial services under one umbrella

Cross-selling and upselling opportunities in the group

Integrated products and services with wide range of value propositions make all companies operationally more efficient and leads to cost efficiency

Value Created for Stakeholders


  • 16%^ ₹1,750,710 crores total deposits and advances
  • 2,741 Cities presence
  • Project NEO Ensuring fully digital end-to-end customer journey


  • 18,792 Bankers hired at the frontline
  • 26% Female representation in workforce
  • 87 Training hours per employee


  • 1.3 million Households reached under Sustainable Livelihood Program
  • 2.2 million Women borrowers under retail microfinance
  • ~₹20,400 crores Incremental exposure achieved cumulatively as of March 2023


  • Up 64 %*^ Consolidated Profit After Tax (PAT) (₹23,172 crores)
  • ₹273,201 crores Market Capitalisation
  • 18.84%* Consolidated Return on Equity (ROE)


  • 60,600+ Common Service Centers (CSC) village level entrepreneurs
  • 8.2% GST market share
^ Growth in fiscal 2023 over fiscal 2022
* Excluding exceptional items