<?xml version="1.0" encoding="us-ascii"?>

<!-- Generated by IRIS FinX -->
<!-- Created by IRIS Business Services Pvt Ltd -->
<!--
                      
            ***************Indian GAAP Accounting Taxonomy for Banks: 2009-06-30*************
                                 

 -->
<xs:schema targetNamespace="http://www.xbrl.in/in-gaap/2009-06-30" attributeFormDefault="unqualified" elementFormDefault="qualified" xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:in-gaap="http://www.xbrl.in/in-gaap/2009-06-30" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:ref="http://www.xbrl.org/2004/ref" xmlns:xl="http://www.xbrl.org/2003/XLink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink">
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <xs:element name="MinorityInterestsNet" id="in-gaap_MinorityInterestsNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="MinorityInterestsNetPresentation" id="in-gaap_MinorityInterestsNetPresentation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="AdditionMinorityInterest" id="in-gaap_AdditionMinorityInterest" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="NetDeferredTaxLiability" id="in-gaap_NetDeferredTaxLiability" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="GoodwillonConsolidation" id="in-gaap_GoodwillonConsolidation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="FixedAssets" id="in-gaap_FixedAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="NetDeferredTaxAsset" id="in-gaap_NetDeferredTaxAsset" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="VoluntaryRetirementSchemeNotWrittenoff" id="in-gaap_VoluntaryRetirementSchemeNotWrittenoff" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="OtherMiscellaneousExpenditureNotWrittenoff" id="in-gaap_OtherMiscellaneousExpenditureNotWrittenoff" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="TotalLiabilities" id="in-gaap_TotalLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="OtherLiabilities" id="in-gaap_OtherLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="TotalAssets" id="in-gaap_TotalAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="OtherAssets" id="in-gaap_OtherAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="ShareCapital" id="in-gaap_ShareCapital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="PaidupEquityShareCapital" id="in-gaap_PaidupEquityShareCapital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="CalledupEquityShareCapital" id="in-gaap_CalledupEquityShareCapital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="ReservesExcludingRevaluationReserve" id="in-gaap_ReservesExcludingRevaluationReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="CallsArrears" id="in-gaap_CallsArrears" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="ForfeitedSharesReissued" id="in-gaap_ForfeitedSharesReissued" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="PaidupPreferenceShareCapital" id="in-gaap_PaidupPreferenceShareCapital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="ReservesSurplus" id="in-gaap_ReservesSurplus" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="CapitalReserveConsolidation" id="in-gaap_CapitalReserveConsolidation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="CapitalReserve" id="in-gaap_CapitalReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="EmployeeStockOptionReserve" id="in-gaap_EmployeeStockOptionReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="AmalgamationReserve" id="in-gaap_AmalgamationReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="SecuritiesPremium" id="in-gaap_SecuritiesPremium" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="RevaluationReserve" id="in-gaap_RevaluationReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="ForeignCurrencyTranslationReserve" id="in-gaap_ForeignCurrencyTranslationReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="GeneralReserve" id="in-gaap_GeneralReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="ProfitLossAccount" id="in-gaap_ProfitLossAccount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="OtherReserves" id="in-gaap_OtherReserves" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="AuthorisedShareCapital" id="in-gaap_AuthorisedShareCapital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="AuthorisedEquityShareCapital" id="in-gaap_AuthorisedEquityShareCapital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="AuthorisedPreferenceShareCapital" id="in-gaap_AuthorisedPreferenceShareCapital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="IssuedSubscribedShareCapital" id="in-gaap_IssuedSubscribedShareCapital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="IssuedShareCapital" id="in-gaap_IssuedShareCapital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="EquityShareCapitalIssued" id="in-gaap_EquityShareCapitalIssued" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="PreferenceShareCapitalIssued" id="in-gaap_PreferenceShareCapitalIssued" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="SubscribedShareCapital" id="in-gaap_SubscribedShareCapital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="EquityShareCapitalSubscribed" id="in-gaap_EquityShareCapitalSubscribed" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="PreferenceShareCapitalSubscribed" id="in-gaap_PreferenceShareCapitalSubscribed" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="ChangesReservesSurplus" id="in-gaap_ChangesReservesSurplus" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ChangesCapitalReserveConsolidation" id="in-gaap_ChangesCapitalReserveConsolidation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdditionsCapitalReserveConsolidation" id="in-gaap_AdditionsCapitalReserveConsolidation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="DeductionsCapitalReserveConsolidation" id="in-gaap_DeductionsCapitalReserveConsolidation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ChangesCapitalReserve" id="in-gaap_ChangesCapitalReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdditionsCapitalReserve" id="in-gaap_AdditionsCapitalReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="DeductionsCapitalReserve" id="in-gaap_DeductionsCapitalReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ChangesEmployeeStockOptionReserve" id="in-gaap_ChangesEmployeeStockOptionReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdditionsEmployeeStockOptionReserve" id="in-gaap_AdditionsEmployeeStockOptionReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="DeductionsEmployeeStockOptionReserve" id="in-gaap_DeductionsEmployeeStockOptionReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ChangesAmalgamationReserve" id="in-gaap_ChangesAmalgamationReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdditionsAmalgamationReserve" id="in-gaap_AdditionsAmalgamationReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="DeductionsAmalgamationReserve" id="in-gaap_DeductionsAmalgamationReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ChangesSecuritiesPremium" id="in-gaap_ChangesSecuritiesPremium" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdditionsSecuritiesPremium" id="in-gaap_AdditionsSecuritiesPremium" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="SecuritiesPremiumAdjustedBonusShares" id="in-gaap_SecuritiesPremiumAdjustedBonusShares" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="SecuritiesPremiumAdjustedWritingoffPreliminaryExpenses" id="in-gaap_SecuritiesPremiumAdjustedWritingoffPreliminaryExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="SecuritiesPremiumAdjustedWritingoffDiscountExpensesIssueSharesDebentures" id="in-gaap_SecuritiesPremiumAdjustedWritingoffDiscountExpensesIssueSharesDebentures" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="SecuritiesPremiumAdjustedPremiumPayableRedemptionPreferenceSharesDebentures" id="in-gaap_SecuritiesPremiumAdjustedPremiumPayableRedemptionPreferenceSharesDebentures" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="OtherDeductionsSecuritiesPremium" id="in-gaap_OtherDeductionsSecuritiesPremium" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ChangesRevaluationReserve" id="in-gaap_ChangesRevaluationReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdditionsRevaluationReserve" id="in-gaap_AdditionsRevaluationReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="DeductionsRevaluationReserve" id="in-gaap_DeductionsRevaluationReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ChangesForeignCurrencyTranslationReserve" id="in-gaap_ChangesForeignCurrencyTranslationReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdditionsForeignCurrencyTranslationReserve" id="in-gaap_AdditionsForeignCurrencyTranslationReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="DeductionsForeignCurrencyTranslationReserve" id="in-gaap_DeductionsForeignCurrencyTranslationReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ChangesGeneralReserve" id="in-gaap_ChangesGeneralReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdditionsGeneralReserve" id="in-gaap_AdditionsGeneralReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="DeductionsGeneralReserve" id="in-gaap_DeductionsGeneralReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ChangesProfitLossAccount" id="in-gaap_ChangesProfitLossAccount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdditionsProfitLossAccount" id="in-gaap_AdditionsProfitLossAccount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="DeductionsProfitLossAccount" id="in-gaap_DeductionsProfitLossAccount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ChangesOtherReserves" id="in-gaap_ChangesOtherReserves" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdditionsOtherReserves" id="in-gaap_AdditionsOtherReserves" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="DeductionsOtherReserves" id="in-gaap_DeductionsOtherReserves" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="IntangibleAssetsNet" id="in-gaap_IntangibleAssetsNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="IntangibleAssetsGross" id="in-gaap_IntangibleAssetsGross" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="AccumulatedAmortisationIntangibleAssets" id="in-gaap_AccumulatedAmortisationIntangibleAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="AccumulatedImpairmentIntangibleAssets" id="in-gaap_AccumulatedImpairmentIntangibleAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="CapitalWorkinProgressNet" id="in-gaap_CapitalWorkinProgressNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="InvestmentsNet" id="in-gaap_InvestmentsNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="CashHand" id="in-gaap_CashHand" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="DepositswithStatutoryAuthorities" id="in-gaap_DepositswithStatutoryAuthorities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="PrepaidExpenses" id="in-gaap_PrepaidExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="SundryCreditors" id="in-gaap_SundryCreditors" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="UnclaimedDividend" id="in-gaap_UnclaimedDividend" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="BillsPayableAcceptances" id="in-gaap_BillsPayableAcceptances" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="InterestAccruedbutNotDue" id="in-gaap_InterestAccruedbutNotDue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="TaxesPayable" id="in-gaap_TaxesPayable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="SecurityDepositPayableCurrent" id="in-gaap_SecurityDepositPayableCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="ProvisionGratuity" id="in-gaap_ProvisionGratuity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="ProvisionLeaveEncashment" id="in-gaap_ProvisionLeaveEncashment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="OtherProvisions" id="in-gaap_OtherProvisions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="AuthorisedShareCapitalPresentation" id="in-gaap_AuthorisedShareCapitalPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="IssuedSubscribedShareCapitalPresentation" id="in-gaap_IssuedSubscribedShareCapitalPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="IssuedShareCapitalPresentation" id="in-gaap_IssuedShareCapitalPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="SubscribedShareCapitalPresentation" id="in-gaap_SubscribedShareCapitalPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="ShareCapitalPresentation" id="in-gaap_ShareCapitalPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="PaidupEquityShareCapitalPresentation" id="in-gaap_PaidupEquityShareCapitalPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="ReservesSurplusPresentation" id="in-gaap_ReservesSurplusPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="CapitalReserveConsolidationPresentation" id="in-gaap_CapitalReserveConsolidationPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="ChangesCapitalReserveConsolidationPresentation" id="in-gaap_ChangesCapitalReserveConsolidationPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="CapitalReservePresentation" id="in-gaap_CapitalReservePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="ChangesCapitalReservePresentation" id="in-gaap_ChangesCapitalReservePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="EmployeeStockOptionReservePresentation" id="in-gaap_EmployeeStockOptionReservePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="ChangesEmployeeStockOptionReservePresentation" id="in-gaap_ChangesEmployeeStockOptionReservePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="AmalgamationReservePresentation" id="in-gaap_AmalgamationReservePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="ChangesAmalgamationReservePresentation" id="in-gaap_ChangesAmalgamationReservePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="SecuritiesPremiumPresentation" id="in-gaap_SecuritiesPremiumPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="ChangesSecuritiesPremiumPresentation" id="in-gaap_ChangesSecuritiesPremiumPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="RevaluationReservePresentation" id="in-gaap_RevaluationReservePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="ChangesRevaluationReservePresentation" id="in-gaap_ChangesRevaluationReservePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="ForeignCurrencyTranslationReservePresentation" id="in-gaap_ForeignCurrencyTranslationReservePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="ChangesForeignCurrencyTranslationReservePresentation" id="in-gaap_ChangesForeignCurrencyTranslationReservePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="GeneralReservePresentation" id="in-gaap_GeneralReservePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="ChangesGeneralReservePresentation" id="in-gaap_ChangesGeneralReservePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="ProfitLossAccountPresentation" id="in-gaap_ProfitLossAccountPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="ChangesProfitLossAccountPresentation" id="in-gaap_ChangesProfitLossAccountPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="OtherReservesPresentation" id="in-gaap_OtherReservesPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="ChangesOtherReservesPresentation" id="in-gaap_ChangesOtherReservesPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="FixedAssetsPresentation" id="in-gaap_FixedAssetsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="IntangibleAssetsNetPresentation" id="in-gaap_IntangibleAssetsNetPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="InvestmentsNetPresentation" id="in-gaap_InvestmentsNetPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="CashBalanceHandPresentation" id="in-gaap_CashBalanceHandPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="TotalAssetsPresentation" id="in-gaap_TotalAssetsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="TotalLiabilitiesPresentation" id="in-gaap_TotalLiabilitiesPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="TotalAssetsTotalLiabilitiesPresentation" id="in-gaap_TotalAssetsTotalLiabilitiesPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="ProfitLossBalance" id="in-gaap_ProfitLossBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="OtherInvestmentsPresentation" id="in-gaap_OtherInvestmentsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="NetProfitLoss" id="in-gaap_NetProfitLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="ProfitLossBeforeAppropriation" id="in-gaap_ProfitLossBeforeAppropriation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="NetProfitLossbeforeMinorityInterestShareJointVenture" id="in-gaap_NetProfitLossbeforeMinorityInterestShareJointVenture" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="NetProfitLossbeforeExtraordinaryItems" id="in-gaap_NetProfitLossbeforeExtraordinaryItems" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="TotalIncome" id="in-gaap_TotalIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="TotalExpenditure" id="in-gaap_TotalExpenditure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="NonrecurringIncomeExpenseNet" id="in-gaap_NonrecurringIncomeExpenseNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="ProvisionTaxation" id="in-gaap_ProvisionTaxation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ProvisionCurrentTax" id="in-gaap_ProvisionCurrentTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ProvisionDeferredTax" id="in-gaap_ProvisionDeferredTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ProvisionFringeBenefitTax" id="in-gaap_ProvisionFringeBenefitTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ProvisionWealthTax" id="in-gaap_ProvisionWealthTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="MATCreditEntitlement" id="in-gaap_MATCreditEntitlement" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="ProvisionTaxEarlierYears" id="in-gaap_ProvisionTaxEarlierYears" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="OtherAdjustmentsTax" id="in-gaap_OtherAdjustmentsTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ExtraordinaryItemsNetTax" id="in-gaap_ExtraordinaryItemsNetTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="InterestAndOperatingExpenditure" id="in-gaap_InterestAndOperatingExpenditure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="PriorPeriodIncome" id="in-gaap_PriorPeriodIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="PriorPeriodExpenses" id="in-gaap_PriorPeriodExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ShareEarningsAssociatesJointVentures" id="in-gaap_ShareEarningsAssociatesJointVentures" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="ShareEarningsAssociates" id="in-gaap_ShareEarningsAssociates" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="ShareEarningsJointVentures" id="in-gaap_ShareEarningsJointVentures" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="ShareMinorityInterestProfitLoss" id="in-gaap_ShareMinorityInterestProfitLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="BasicEarningsPerShare" id="in-gaap_BasicEarningsPerShare" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="BasicEarningsPerSharebeforeExtraordinaryItems" id="in-gaap_BasicEarningsPerSharebeforeExtraordinaryItems" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DilutedEarningsPerShare" id="in-gaap_DilutedEarningsPerShare" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DilutedEarningsPerSharebeforeExtraordinaryItems" id="in-gaap_DilutedEarningsPerSharebeforeExtraordinaryItems" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="RevenueLeaseRentals" id="in-gaap_RevenueLeaseRentals" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="OtherIncome" id="in-gaap_OtherIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="ForeignExchangeDifferenceIncome" id="in-gaap_ForeignExchangeDifferenceIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="ProfitSaleRedemptionInvestments" id="in-gaap_ProfitSaleRedemptionInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="ProfitSaleDisposalFixedAssets" id="in-gaap_ProfitSaleDisposalFixedAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="OtherReceipts" id="in-gaap_OtherReceipts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="EmployeeRelatedExpenses" id="in-gaap_EmployeeRelatedExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="TelephonePostage" id="in-gaap_TelephonePostage" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="PrintingStationery" id="in-gaap_PrintingStationery" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="InformationTechnologyExpenses" id="in-gaap_InformationTechnologyExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="TravellingConveyance" id="in-gaap_TravellingConveyance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="EntertainmentExpenses" id="in-gaap_EntertainmentExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="LegalProfessionalCharges" id="in-gaap_LegalProfessionalCharges" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="InsuranceExpenses" id="in-gaap_InsuranceExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="RepairsMaintenanceExpenses" id="in-gaap_RepairsMaintenanceExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="AuditorsRemuneration" id="in-gaap_AuditorsRemuneration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="DirectorsRemuneration" id="in-gaap_DirectorsRemuneration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="RegistrationFilingFees" id="in-gaap_RegistrationFilingFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="SellingDistributionExpenses" id="in-gaap_SellingDistributionExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="AdvertisingPromotionalExpenses" id="in-gaap_AdvertisingPromotionalExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="VoluntaryRetirementCompensationWrittenoff" id="in-gaap_VoluntaryRetirementCompensationWrittenoff" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="OtherMiscellaneousExpenditureWrittenoff" id="in-gaap_OtherMiscellaneousExpenditureWrittenoff" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ForeignExchangeDifferenceExpense" id="in-gaap_ForeignExchangeDifferenceExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="LossSaleRedemptionInvestments" id="in-gaap_LossSaleRedemptionInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="LossSaleDisposalFixedAssets" id="in-gaap_LossSaleDisposalFixedAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="DepreciationAmortisationExpenses" id="in-gaap_DepreciationAmortisationExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="InterestExpenseDeposits" id="in-gaap_InterestExpenseDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="InterestExpenseDebtSecurities" id="in-gaap_InterestExpenseDebtSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="InterestExpenseOtherBorrowings" id="in-gaap_InterestExpenseOtherBorrowings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="Appropriations" id="in-gaap_Appropriations" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="AppropriationsGeneralReserve" id="in-gaap_AppropriationsGeneralReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="AppropriationsStatutoryReserve" id="in-gaap_AppropriationsStatutoryReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="AppropriationsCapitalReserve" id="in-gaap_AppropriationsCapitalReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="AppropriationsOtherReserves" id="in-gaap_AppropriationsOtherReserves" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="AppropriationsEquityDividend" id="in-gaap_AppropriationsEquityDividend" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="FaceValueEquityShares" id="in-gaap_FaceValueEquityShares" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AppropriationsInterimDividend" id="in-gaap_AppropriationsInterimDividend" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="AppropriationsFinalDividend" id="in-gaap_AppropriationsFinalDividend" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="AppropriationsPreferredDividend" id="in-gaap_AppropriationsPreferredDividend" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="AppropriationsDividendDistributionTax" id="in-gaap_AppropriationsDividendDistributionTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="AmountsTransferredReserves" id="in-gaap_AmountsTransferredReserves" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="AmountTransferredfromGeneralReserve" id="in-gaap_AmountTransferredfromGeneralReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="AmountTransferredfromCapitalReserves" id="in-gaap_AmountTransferredfromCapitalReserves" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="AmountsTransferredfromOtherReserves" id="in-gaap_AmountsTransferredfromOtherReserves" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="AverageNumberSharesforDilutedEarningsPerShare" id="in-gaap_AverageNumberSharesforDilutedEarningsPerShare" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AverageNumberSharesforBasicEarningsPerShare" id="in-gaap_AverageNumberSharesforBasicEarningsPerShare" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentAverageNumberShares" id="in-gaap_AdjustmentAverageNumberShares" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="TotalIncomePresentation" id="in-gaap_TotalIncomePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="OtherIncomePresentation" id="in-gaap_OtherIncomePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="TotalExpenditurePresentation" id="in-gaap_TotalExpenditurePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DepreciationAmortisationExpensesPresentation" id="in-gaap_DepreciationAmortisationExpensesPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ProvisionTaxationPresentation" id="in-gaap_ProvisionTaxationPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ShareEarningsAssociatesJointVenturesPresentation" id="in-gaap_ShareEarningsAssociatesJointVenturesPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AmountsTransferredReservesPresentation" id="in-gaap_AmountsTransferredReservesPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AppropriationsPresentation" id="in-gaap_AppropriationsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AppropriationsEquityDividendPresentation" id="in-gaap_AppropriationsEquityDividendPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AverageNumberSharesforDilutedEarningsPerSharePresentation" id="in-gaap_AverageNumberSharesforDilutedEarningsPerSharePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NetIncreaseDecreaseCashCashEquivalents" id="in-gaap_NetIncreaseDecreaseCashCashEquivalents" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NetCashFlowfromUsedinOperatingActivities" id="in-gaap_NetCashFlowfromUsedinOperatingActivities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="OperatingProfitLossbeforeChangesWorkingCapital" id="in-gaap_OperatingProfitLossbeforeChangesWorkingCapital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NetProfitLossbeforeTaxExtraordinaryItems" id="in-gaap_NetProfitLossbeforeTaxExtraordinaryItems" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentsProfitLossOperations" id="in-gaap_AdjustmentsProfitLossOperations" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentDepreciation" id="in-gaap_AdjustmentDepreciation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentDepreciationPresentation" id="in-gaap_AdjustmentDepreciationPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentAmortisation" id="in-gaap_AdjustmentAmortisation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentImpairmentLoss" id="in-gaap_AdjustmentImpairmentLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentWriteoffBadDebts" id="in-gaap_AdjustmentWriteoffBadDebts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentWriteoffAdvances" id="in-gaap_AdjustmentWriteoffAdvances" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentWriteoffMiscellaneousExpenditure" id="in-gaap_AdjustmentWriteoffMiscellaneousExpenditure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentProvisionDoubtfulDebtsAdvances" id="in-gaap_AdjustmentProvisionDoubtfulDebtsAdvances" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentProvisionEmployeeBenefits" id="in-gaap_AdjustmentProvisionEmployeeBenefits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentOtherProvisionsContingencies" id="in-gaap_AdjustmentOtherProvisionsContingencies" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentOtherProvisionsContingenciesWrittenback" id="in-gaap_AdjustmentOtherProvisionsContingenciesWrittenback" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentEmployeeSeparationCompensation" id="in-gaap_AdjustmentEmployeeSeparationCompensation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentGainLossSaleDisposalFixedAssets" id="in-gaap_AdjustmentGainLossSaleDisposalFixedAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentGainLossSaleRedemptionInvestments" id="in-gaap_AdjustmentGainLossSaleRedemptionInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentGainLossDerivativeTransactions" id="in-gaap_AdjustmentGainLossDerivativeTransactions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentShareDebtIssueExpenses" id="in-gaap_AdjustmentShareDebtIssueExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentInterestExpense" id="in-gaap_AdjustmentInterestExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentInterestExpensePresentation" id="in-gaap_AdjustmentInterestExpensePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentInterestReceived" id="in-gaap_AdjustmentInterestReceived" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentDividendReceived" id="in-gaap_AdjustmentDividendReceived" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentDividendReceivedSubsidiaries" id="in-gaap_AdjustmentDividendReceivedSubsidiaries" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentDividendReceivedOtherInvestments" id="in-gaap_AdjustmentDividendReceivedOtherInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="OtherNonoperatingNoncashAdjustments" id="in-gaap_OtherNonoperatingNoncashAdjustments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ChangesWorkingCapital" id="in-gaap_ChangesWorkingCapital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ChangesCurrentAssetsLoansAdvances" id="in-gaap_ChangesCurrentAssetsLoansAdvances" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ChangesOtherCurrentAssets" id="in-gaap_ChangesOtherCurrentAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ChangesLoansAdvances" id="in-gaap_ChangesLoansAdvances" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ChangesCurrentLiabilitiesProvisions" id="in-gaap_ChangesCurrentLiabilitiesProvisions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DirectTaxesPaidRefunded" id="in-gaap_DirectTaxesPaidRefunded" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentPriorPeriodExtraordinaryItems" id="in-gaap_AdjustmentPriorPeriodExtraordinaryItems" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NetCashFlowUsedinInvestingActivities" id="in-gaap_NetCashFlowUsedinInvestingActivities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="PurchaseDevelopmentFixedAssets" id="in-gaap_PurchaseDevelopmentFixedAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="PurchaseTangibleFixedAssets" id="in-gaap_PurchaseTangibleFixedAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="PurchaseIntangibleFixedAssets" id="in-gaap_PurchaseIntangibleFixedAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="PurchaseOtherAssets" id="in-gaap_PurchaseOtherAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="PurchaseSubsidiaries" id="in-gaap_PurchaseSubsidiaries" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="PurchaseJointVentures" id="in-gaap_PurchaseJointVentures" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="ProceedsSaleDisposalFixedAssets" id="in-gaap_ProceedsSaleDisposalFixedAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ProceedsSaleDisposalTangibleFixedAssets" id="in-gaap_ProceedsSaleDisposalTangibleFixedAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ProceedsSaleDisposalIntangibleFixedAssets" id="in-gaap_ProceedsSaleDisposalIntangibleFixedAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ProceedsDisposalOtherAssets" id="in-gaap_ProceedsDisposalOtherAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ProceedsDisposalSubsidiaries" id="in-gaap_ProceedsDisposalSubsidiaries" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ProceedsDisposalJointVentures" id="in-gaap_ProceedsDisposalJointVentures" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ProceedsInterestDividendInvestments" id="in-gaap_ProceedsInterestDividendInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ProceedsInterestInvestments" id="in-gaap_ProceedsInterestInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ShareDebtIssueExpensesPresentation" id="in-gaap_ShareDebtIssueExpensesPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ProceedsOtherInterest" id="in-gaap_ProceedsOtherInterest" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ProceedsDividendInvestments" id="in-gaap_ProceedsDividendInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ProceedsDividendsOtherInvestments" id="in-gaap_ProceedsDividendsOtherInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="OtherInvestingActivitiesNet" id="in-gaap_OtherInvestingActivitiesNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NetCashFlowfromUsedinFinancingActivities" id="in-gaap_NetCashFlowfromUsedinFinancingActivities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ProceedsIssueShareCapital" id="in-gaap_ProceedsIssueShareCapital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ProceedsIssueEquityShareCapital" id="in-gaap_ProceedsIssueEquityShareCapital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ProceedsIssuePreferenceShareCapital" id="in-gaap_ProceedsIssuePreferenceShareCapital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="PaymentsBuybackRedemptionShareCapital" id="in-gaap_PaymentsBuybackRedemptionShareCapital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="PaymentsBuybackEquityShareCapital" id="in-gaap_PaymentsBuybackEquityShareCapital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="PaymentsRedemptionPreferenceShareCapital" id="in-gaap_PaymentsRedemptionPreferenceShareCapital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="ShareDebtIssueExpenses" id="in-gaap_ShareDebtIssueExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="ShareIssueExpenses" id="in-gaap_ShareIssueExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="DebtIssueExpenses" id="in-gaap_DebtIssueExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="InterestFinancialExpensesPaid" id="in-gaap_InterestFinancialExpensesPaid" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="InterestExpenseLongTermLoansPaid" id="in-gaap_InterestExpenseLongTermLoansPaid" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="InterestExpenseShortTermLoansPaid" id="in-gaap_InterestExpenseShortTermLoansPaid" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="InterestExpensesOtherPaid" id="in-gaap_InterestExpensesOtherPaid" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="DividendDividendDistributionTaxPaid" id="in-gaap_DividendDividendDistributionTaxPaid" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="DividendPaid" id="in-gaap_DividendPaid" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="DividendEquitySharesPaid" id="in-gaap_DividendEquitySharesPaid" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="DividendPreferenceSharesPaid" id="in-gaap_DividendPreferenceSharesPaid" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="DividendDistributionTaxPaid" id="in-gaap_DividendDistributionTaxPaid" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="OtherFinancingActivitiesNet" id="in-gaap_OtherFinancingActivitiesNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="EffectForeignExchangeCashCashEquivalents" id="in-gaap_EffectForeignExchangeCashCashEquivalents" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="CashCashEquivalents" id="in-gaap_CashCashEquivalents" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="NetIncreaseDecreaseCashCashEquivalentsPresentation" id="in-gaap_NetIncreaseDecreaseCashCashEquivalentsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NetCashFlowfromUsedinOperatingActivitiesPresentation" id="in-gaap_NetCashFlowfromUsedinOperatingActivitiesPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentsProfitLossOperationsPresentation" id="in-gaap_AdjustmentsProfitLossOperationsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentDividendReceivedPresentation" id="in-gaap_AdjustmentDividendReceivedPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ChangesWorkingCapitalPresentation" id="in-gaap_ChangesWorkingCapitalPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ChangesCurrentAssetsLoansAdvancesPresentation" id="in-gaap_ChangesCurrentAssetsLoansAdvancesPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ChangesCurrentLiabilitiesProvisionsPresentation" id="in-gaap_ChangesCurrentLiabilitiesProvisionsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NetCashFlowUsedinInvestingActivitiesPresentation" id="in-gaap_NetCashFlowUsedinInvestingActivitiesPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="PurchaseDevelopmentFixedAssetsPresentation" id="in-gaap_PurchaseDevelopmentFixedAssetsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ProceedsSaleDisposalFixedAssetsPresentation" id="in-gaap_ProceedsSaleDisposalFixedAssetsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ProceedsInterestDividendInvestmentsPresentation" id="in-gaap_ProceedsInterestDividendInvestmentsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ProceedsInterestInvestmentsPresentation" id="in-gaap_ProceedsInterestInvestmentsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ProceedsDividendInvestmentsPresentation" id="in-gaap_ProceedsDividendInvestmentsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NetCashFlowfromUsedinFinancingActivitiesPresentation" id="in-gaap_NetCashFlowfromUsedinFinancingActivitiesPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ProceedsIssueShareCapitalPresentation" id="in-gaap_ProceedsIssueShareCapitalPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="PaymentsBuybackRedemptionShareCapitalPresentation" id="in-gaap_PaymentsBuybackRedemptionShareCapitalPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="InterestFinancialExpensesPaidPresentation" id="in-gaap_InterestFinancialExpensesPaidPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DividendDividendDistributionTaxPaidPresentation" id="in-gaap_DividendDividendDistributionTaxPaidPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DividendPaidPresentation" id="in-gaap_DividendPaidPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="CashFlowStatementPresentation" id="in-gaap_CashFlowStatementPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="BasisandPresentationofFinancialStatementsDisclosure" id="in-gaap_BasisandPresentationofFinancialStatementsDisclosure" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="IncomeStatementPolicies" id="in-gaap_IncomeStatementPolicies" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="RevenueRecognitionPolicies" id="in-gaap_RevenueRecognitionPolicies" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="RevenueRecognitionPolicyInterestIncome" id="in-gaap_RevenueRecognitionPolicyInterestIncome" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="RevenueRecognitionPolicyDividend" id="in-gaap_RevenueRecognitionPolicyDividend" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="RevenueRecognitionPolicyOtherFeesandCommission" id="in-gaap_RevenueRecognitionPolicyOtherFeesandCommission" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="EmployeeBenefitsPolicies" id="in-gaap_EmployeeBenefitsPolicies" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ShortTermBenefitObligationsPolicy" id="in-gaap_ShortTermBenefitObligationsPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="EmployeeStockCompensationCostPolicy" id="in-gaap_EmployeeStockCompensationCostPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="TerminationRetirementBenefitPlanPolicies" id="in-gaap_TerminationRetirementBenefitPlanPolicies" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DefinedContributionPlanPolicies" id="in-gaap_DefinedContributionPlanPolicies" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ProvidentFundPensionFundPolicy" id="in-gaap_ProvidentFundPensionFundPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="SuperannuationFundOtherDefinedContributionPlanPolicies" id="in-gaap_SuperannuationFundOtherDefinedContributionPlanPolicies" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DefinedBenefitPlanPolicies" id="in-gaap_DefinedBenefitPlanPolicies" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="LeaveEntitlementEncashmentPolicy" id="in-gaap_LeaveEntitlementEncashmentPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="GratuityFundOtherDefinedBenefitPlanPolicy" id="in-gaap_GratuityFundOtherDefinedBenefitPlanPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosuresPoliciesonVoluntaryRetirementScheme" id="in-gaap_DisclosuresPoliciesonVoluntaryRetirementScheme" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="OtherTerminationRetirementBenefits" id="in-gaap_OtherTerminationRetirementBenefits" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ProvisionsContingenciesRelatedPolicy" id="in-gaap_ProvisionsContingenciesRelatedPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="BasisforRecognitionandCreationOfProvisionsPolicy" id="in-gaap_BasisforRecognitionandCreationOfProvisionsPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="IncomeTaxPolicy" id="in-gaap_IncomeTaxPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="CurrentTaxPolicy" id="in-gaap_CurrentTaxPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DeferredTaxPolicy" id="in-gaap_DeferredTaxPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="FringeBenefitTaxPolicy" id="in-gaap_FringeBenefitTaxPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AssetsandLiabilitiesRelatedPolicies" id="in-gaap_AssetsandLiabilitiesRelatedPolicies" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="FixedAssetPolicies" id="in-gaap_FixedAssetPolicies" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="RevaluationOfAssetsDisclosures" id="in-gaap_RevaluationOfAssetsDisclosures" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ImpairmentofAssetsPolicies" id="in-gaap_ImpairmentofAssetsPolicies" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="RecognitionofImpairmentofAssetsPolicy" id="in-gaap_RecognitionofImpairmentofAssetsPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ImpairmentLossChargingPolicy" id="in-gaap_ImpairmentLossChargingPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ReversalofImpairmentLossPolicy" id="in-gaap_ReversalofImpairmentLossPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DepreciationPolicy" id="in-gaap_DepreciationPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="MethodUsedForDepreciationPolicy" id="in-gaap_MethodUsedForDepreciationPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="RevaluedAssetsDepreciationPolicy" id="in-gaap_RevaluedAssetsDepreciationPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DepreciationonPartiallyUsedAssetsPolicy" id="in-gaap_DepreciationonPartiallyUsedAssetsPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="InvestmentsRelatingPolicies" id="in-gaap_InvestmentsRelatingPolicies" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DeferredTaxAssetsandLiabilitiesPolicies" id="in-gaap_DeferredTaxAssetsandLiabilitiesPolicies" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="CashCashEquivalentsPolicy" id="in-gaap_CashCashEquivalentsPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="OtherPolicies" id="in-gaap_OtherPolicies" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ConsolidationofAccountsPolicy" id="in-gaap_ConsolidationofAccountsPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ContingentAssetsAndLiabilitiesPolicy" id="in-gaap_ContingentAssetsAndLiabilitiesPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="RecognitionandValuationofContingentLiabilitiesPolicy" id="in-gaap_RecognitionandValuationofContingentLiabilitiesPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NonRecognitionofContingentAssetsStatement" id="in-gaap_NonRecognitionofContingentAssetsStatement" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ForeignCurrencyTransactionsPolicies" id="in-gaap_ForeignCurrencyTransactionsPolicies" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ForeignCurrencyRatesonInitialRecognitionofTransaction" id="in-gaap_ForeignCurrencyRatesonInitialRecognitionofTransaction" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="TranslationRateDeterminationofMonetaryItemsintoForeignCurrency" id="in-gaap_TranslationRateDeterminationofMonetaryItemsintoForeignCurrency" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="RateforTranslationofNonMonetaryItemsintoForeignCurrency" id="in-gaap_RateforTranslationofNonMonetaryItemsintoForeignCurrency" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DerivativeTransactionsPolicies" id="in-gaap_DerivativeTransactionsPolicies" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="LeasesPolicies" id="in-gaap_LeasesPolicies" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="SegmentReportingPolicy" id="in-gaap_SegmentReportingPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="PrimaryBusinessSegmentReportingPolicy" id="in-gaap_PrimaryBusinessSegmentReportingPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="SecondaryBusinessSegmentReportingPolicy" id="in-gaap_SecondaryBusinessSegmentReportingPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="RelatedPartyDisclosuresPolicy" id="in-gaap_RelatedPartyDisclosuresPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="EarningsPerSharePolicy" id="in-gaap_EarningsPerSharePolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="BasisofCalculatingBasicEarningsPerSharePolicy" id="in-gaap_BasisofCalculatingBasicEarningsPerSharePolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="BasisofCalculatingDilutedEarningPerSharePolicy" id="in-gaap_BasisofCalculatingDilutedEarningPerSharePolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="EmployeeStockOptionsOutstandingPolicy" id="in-gaap_EmployeeStockOptionsOutstandingPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="RecognitionandValuationEmployeesStockOptionPlan" id="in-gaap_RecognitionandValuationEmployeesStockOptionPlan" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AmortisationMethodEmployeeStockOptionPlan" id="in-gaap_AmortisationMethodEmployeeStockOptionPlan" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AccountingPoliciesEstimatesChanges" id="in-gaap_AccountingPoliciesEstimatesChanges" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AccountingPoliciesChanges" id="in-gaap_AccountingPoliciesChanges" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AccountingPoliciesChanged" id="in-gaap_AccountingPoliciesChanged" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ImpactofChangeInAccountingPolicies" id="in-gaap_ImpactofChangeInAccountingPolicies" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ItemsEffectedByChangeInAccountingPolicies" id="in-gaap_ItemsEffectedByChangeInAccountingPolicies" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ChangesinAccountingEstimates" id="in-gaap_ChangesinAccountingEstimates" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AccountingEstimateChangeNature" id="in-gaap_AccountingEstimateChangeNature" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AccountingEstimateChangeAmount" id="in-gaap_AccountingEstimateChangeAmount" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ChangeinAccountingEstimateCouldNotBeQuantifiedDisclosure" id="in-gaap_ChangeinAccountingEstimateCouldNotBeQuantifiedDisclosure" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ForeignExchangeTransactionsDetails" id="in-gaap_ForeignExchangeTransactionsDetails" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DetailsofDisclosuresonDeferredTaxAssetsLiabilities" id="in-gaap_DetailsofDisclosuresonDeferredTaxAssetsLiabilities" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosuresRelatingtoCashBankBalances" id="in-gaap_DisclosuresRelatingtoCashBankBalances" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DetailsComponentsCashBankBalances" id="in-gaap_DetailsComponentsCashBankBalances" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ReconciliationofCashCashEquivalentsReportedinBalanceSheettoCashCashEquivalentsasperCashFlowStatement" id="in-gaap_ReconciliationofCashCashEquivalentsReportedinBalanceSheettoCashCashEquivalentsasperCashFlowStatement" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="DisclosureofSignificantCashCashEquivalentsNotAvailableforUse" id="in-gaap_DisclosureofSignificantCashCashEquivalentsNotAvailableforUse" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DetailsofInvestments" id="in-gaap_DetailsofInvestments" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosuresRelatingtoEventsOccurringafterBalanceSheetDate" id="in-gaap_DisclosuresRelatingtoEventsOccurringafterBalanceSheetDate" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosuresRelatingtoAmalgamations" id="in-gaap_DisclosuresRelatingtoAmalgamations" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DetailsofInvestmentsinAssociatesJointVentures" id="in-gaap_DetailsofInvestmentsinAssociatesJointVentures" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DetailsofIntangibleAssets" id="in-gaap_DetailsofIntangibleAssets" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DetailsofImpairmentofAssets" id="in-gaap_DetailsofImpairmentofAssets" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DetailedInformationRelatingtoEarningsPerShare" id="in-gaap_DetailedInformationRelatingtoEarningsPerShare" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NetProfitLossAttributabletoEquityShareholdersBasic" id="in-gaap_NetProfitLossAttributabletoEquityShareholdersBasic" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="DetailsonNumbersofSharesUsedforBasicEarningsPerShare" id="in-gaap_DetailsonNumbersofSharesUsedforBasicEarningsPerShare" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NetProfitLossAttributabletoEquityShareholdersDiluted" id="in-gaap_NetProfitLossAttributabletoEquityShareholdersDiluted" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="DetailsonNumbersofPotentiallyDilutiveShares" id="in-gaap_DetailsonNumbersofPotentiallyDilutiveShares" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DetailedNoteonLeaseTransactions" id="in-gaap_DetailedNoteonLeaseTransactions" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="MinimumLeasePaymentsPayableNotLaterthanOneYearGrossforFinanceLeaseObligations" id="in-gaap_MinimumLeasePaymentsPayableNotLaterthanOneYearGrossforFinanceLeaseObligations" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="MinimumLeasePaymentsPayableLaterthanOneYearbutLessthanFiveYearsGrossforFinanceLeaseObligations" id="in-gaap_MinimumLeasePaymentsPayableLaterthanOneYearbutLessthanFiveYearsGrossforFinanceLeaseObligations" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="MinimumLeasePaymentsPayableOverFiveYearsGrossforFinanceLeaseObligations" id="in-gaap_MinimumLeasePaymentsPayableOverFiveYearsGrossforFinanceLeaseObligations" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DetailsofEmployeeBenefits" id="in-gaap_DetailsofEmployeeBenefits" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ChangesInPresentValueDefinedBenefitPlanObligation" id="in-gaap_ChangesInPresentValueDefinedBenefitPlanObligation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ActuarialGainsLossesDefinedBenefitPlanObligation" id="in-gaap_ActuarialGainsLossesDefinedBenefitPlanObligation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="OtherAmountsRecognizedinBalanceSheet" id="in-gaap_OtherAmountsRecognizedinBalanceSheet" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="PrincipalActuarialAssumptionsUsedinDefinedBenefitPlan" id="in-gaap_PrincipalActuarialAssumptionsUsedinDefinedBenefitPlan" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ExpensesRecognizedinProfitLossStatement" id="in-gaap_ExpensesRecognizedinProfitLossStatement" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DetailsofDisclosuresofMortgagesinRespectofLoans" id="in-gaap_DetailsofDisclosuresofMortgagesinRespectofLoans" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="EquityCapitalHeldGovernment" id="in-gaap_EquityCapitalHeldGovernment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="EquityCapitalHeldPublic" id="in-gaap_EquityCapitalHeldPublic" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="EquityCapitalHeldCooperativeInstitution" id="in-gaap_EquityCapitalHeldCooperativeInstitution" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="InitialCapitalForeignBanks" id="in-gaap_InitialCapitalForeignBanks" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="AdditionalCapitalAsPerCRARRequirement" id="in-gaap_AdditionalCapitalAsPerCRARRequirement" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="InterestFreeFundsfromHeadOfficeSeparateAccountinIndianBooksforCapitalAdequacyNorms" id="in-gaap_InterestFreeFundsfromHeadOfficeSeparateAccountinIndianBooksforCapitalAdequacyNorms" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="StatutoryReserve" id="in-gaap_StatutoryReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="TotalCapitalReserves" id="in-gaap_TotalCapitalReserves" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="SpecialCapitalReserve" id="in-gaap_SpecialCapitalReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="RemittableSurplusRetainedinIndianBooks" id="in-gaap_RemittableSurplusRetainedinIndianBooks" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="OtherCapitalReserve" id="in-gaap_OtherCapitalReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="RevenueOtherReserves" id="in-gaap_RevenueOtherReserves" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="InvestmentFluctuationReserve" id="in-gaap_InvestmentFluctuationReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="InvestmentReserve" id="in-gaap_InvestmentReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="SpecialReserveUnderIncomeTaxAct" id="in-gaap_SpecialReserveUnderIncomeTaxAct" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="StaffWelfareFund" id="in-gaap_StaffWelfareFund" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="OtherSpecialReserve" id="in-gaap_OtherSpecialReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="Deposits" id="in-gaap_Deposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="DemandDeposits" id="in-gaap_DemandDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="DemandDepositsFromBanks" id="in-gaap_DemandDepositsFromBanks" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="DemandDepositsFromOthers" id="in-gaap_DemandDepositsFromOthers" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="SavingsBankDeposits" id="in-gaap_SavingsBankDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="TermDeposits" id="in-gaap_TermDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="TermDepositsFromBanks" id="in-gaap_TermDepositsFromBanks" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="TermDepositsFromOthers" id="in-gaap_TermDepositsFromOthers" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="DepositsBranchesInIndia" id="in-gaap_DepositsBranchesInIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="DepositsParentInIndia" id="in-gaap_DepositsParentInIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="TermDepositsPresentation" id="in-gaap_TermDepositsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DepositsSubsidiariesInIndia" id="in-gaap_DepositsSubsidiariesInIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="DepositsBranchesOutsideIndia" id="in-gaap_DepositsBranchesOutsideIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="DepositsParentOutsideIndia" id="in-gaap_DepositsParentOutsideIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="DepositsSubsidiariesOutsideIndia" id="in-gaap_DepositsSubsidiariesOutsideIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="Borrowings" id="in-gaap_Borrowings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="BorrowingsInIndia" id="in-gaap_BorrowingsInIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="BorrowingsReserveBankOfIndia" id="in-gaap_BorrowingsReserveBankOfIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="BorrowingsOtherBanks" id="in-gaap_BorrowingsOtherBanks" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="BorrowingsOtherInstitutionsAgencies" id="in-gaap_BorrowingsOtherInstitutionsAgencies" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="BorrowingsFinancialInstitutions" id="in-gaap_BorrowingsFinancialInstitutions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="BorrowingsBondsNotesInIndia" id="in-gaap_BorrowingsBondsNotesInIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="BorrowingsCentralStateGovernments" id="in-gaap_BorrowingsCentralStateGovernments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="BorrowingsDebenturesInIndia" id="in-gaap_BorrowingsDebenturesInIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="OtherBorrowingsInIndia" id="in-gaap_OtherBorrowingsInIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="BorrowingsOutsideIndia" id="in-gaap_BorrowingsOutsideIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="BorrowingsMultilateralBilateralCreditAgency" id="in-gaap_BorrowingsMultilateralBilateralCreditAgency" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="BorrowingsInternationalBanksInstitutionsConsortiums" id="in-gaap_BorrowingsInternationalBanksInstitutionsConsortiums" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="BorrowingsBondsNotesOutsideIndia" id="in-gaap_BorrowingsBondsNotesOutsideIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="OtherBorrowingsOutsideIndia" id="in-gaap_OtherBorrowingsOutsideIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="BorrowingsOtherInstitutionsAgenciesPresentation" id="in-gaap_BorrowingsOtherInstitutionsAgenciesPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="InterestAccruedAndDueOnBorrowings" id="in-gaap_InterestAccruedAndDueOnBorrowings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="OtherLiabilitiesIncludingProvisions" id="in-gaap_OtherLiabilitiesIncludingProvisions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="InterOfficeAdjustmentsLiabilities" id="in-gaap_InterOfficeAdjustmentsLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="AmountDueToHeadOffice" id="in-gaap_AmountDueToHeadOffice" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="DividendDividendTaxpayable" id="in-gaap_DividendDividendTaxpayable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="DividendPayable" id="in-gaap_DividendPayable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="DividendTaxPayable" id="in-gaap_DividendTaxPayable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="TierICapitalInstruments" id="in-gaap_TierICapitalInstruments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="UpperTierIIBonds" id="in-gaap_UpperTierIIBonds" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="LowerTierIIInstrument" id="in-gaap_LowerTierIIInstrument" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="ProvisionAgainstStandardAssets" id="in-gaap_ProvisionAgainstStandardAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="ProvisionAgainstAdvances" id="in-gaap_ProvisionAgainstAdvances" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="OtherLiabilitiesProvisions" id="in-gaap_OtherLiabilitiesProvisions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="CashAndBalancesWithReserveBankOfIndia" id="in-gaap_CashAndBalancesWithReserveBankOfIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="CashHandIndianCurrency" id="in-gaap_CashHandIndianCurrency" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="CashHandForeignCurrency" id="in-gaap_CashHandForeignCurrency" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="BalancesWithReserveBankOfIndia" id="in-gaap_BalancesWithReserveBankOfIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="BalancesWithReserveBankOfIndiaCurrentAccount" id="in-gaap_BalancesWithReserveBankOfIndiaCurrentAccount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="BalancesWithReserveBankOfIndiaOtherAccount" id="in-gaap_BalancesWithReserveBankOfIndiaOtherAccount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="BalancesWithBanksAndMoneyAtCallShortNotice" id="in-gaap_BalancesWithBanksAndMoneyAtCallShortNotice" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="BalancesWithBanksAndMoneyAtCallShortNoticeInIndia" id="in-gaap_BalancesWithBanksAndMoneyAtCallShortNoticeInIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="BalancesWithBanksInIndia" id="in-gaap_BalancesWithBanksInIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="BalancesWithBanksCurrentAccountsInIndia" id="in-gaap_BalancesWithBanksCurrentAccountsInIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="BalancesWithBanksOtherDepositAccountsInIndia" id="in-gaap_BalancesWithBanksOtherDepositAccountsInIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="MoneyAtCallShortNoticeInIndia" id="in-gaap_MoneyAtCallShortNoticeInIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="MoneyAtCallShortNoticeInIndiaWithBanks" id="in-gaap_MoneyAtCallShortNoticeInIndiaWithBanks" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="MoneyAtCallShortNoticeInIndiaOtherInstitutions" id="in-gaap_MoneyAtCallShortNoticeInIndiaOtherInstitutions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="BalancesWithBanksAndMoneyAtCallShortNoticeOutsideIndia" id="in-gaap_BalancesWithBanksAndMoneyAtCallShortNoticeOutsideIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="BalancesWithBanksCurrentAccountsOutsideIndia" id="in-gaap_BalancesWithBanksCurrentAccountsOutsideIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="BalancesWithBanksOtherDepositAccountsOutsideIndia" id="in-gaap_BalancesWithBanksOtherDepositAccountsOutsideIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="MoneyatCallShortNoticeOutsideIndia" id="in-gaap_MoneyatCallShortNoticeOutsideIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="InvestmentsInIndiaNet" id="in-gaap_InvestmentsInIndiaNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="InvestmentGovernmentSecuritiesInIndia" id="in-gaap_InvestmentGovernmentSecuritiesInIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="InvestmentOtherApprovedSecuritiesInIndia" id="in-gaap_InvestmentOtherApprovedSecuritiesInIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="InvestmentSharesInIndia" id="in-gaap_InvestmentSharesInIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="InvestmentDebenturesBondsInIndia" id="in-gaap_InvestmentDebenturesBondsInIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="InvestmentRelatedPartiesInIndia" id="in-gaap_InvestmentRelatedPartiesInIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="InvestmentInIndiaSubsidiaries" id="in-gaap_InvestmentInIndiaSubsidiaries" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="InvestmentInIndiaJointVentures" id="in-gaap_InvestmentInIndiaJointVentures" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="InvestmentInIndiaAssociates" id="in-gaap_InvestmentInIndiaAssociates" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="InvestmentsMutualFundsUnitTrust" id="in-gaap_InvestmentsMutualFundsUnitTrust" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="InvestmentCertificateOfDeposits" id="in-gaap_InvestmentCertificateOfDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="OtherInvestmentsInIndia" id="in-gaap_OtherInvestmentsInIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="InvestmentCommercialPapers" id="in-gaap_InvestmentCommercialPapers" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="InvestmentPassThroughCertificates" id="in-gaap_InvestmentPassThroughCertificates" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="InvestmentVentureCapitalFund" id="in-gaap_InvestmentVentureCapitalFund" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="InvestmentSecurityReceipts" id="in-gaap_InvestmentSecurityReceipts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="InvestmentRuralInfrastructureDevelopmentFund" id="in-gaap_InvestmentRuralInfrastructureDevelopmentFund" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="InvestmentsOutsideIndiaNet" id="in-gaap_InvestmentsOutsideIndiaNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="InvestmentsGovernmentSecuritiesOutsideIndia" id="in-gaap_InvestmentsGovernmentSecuritiesOutsideIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="InvestmentsDebentureBondsOutsideIndia" id="in-gaap_InvestmentsDebentureBondsOutsideIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="InvestmentsRelatedPartiesOutsideIndia" id="in-gaap_InvestmentsRelatedPartiesOutsideIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="InvestmentsOutsideIndiaSubsidiaries" id="in-gaap_InvestmentsOutsideIndiaSubsidiaries" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="InvestmentsOutsideIndiaJointVentures" id="in-gaap_InvestmentsOutsideIndiaJointVentures" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="InvestmentsOutsideIndiaAssociates" id="in-gaap_InvestmentsOutsideIndiaAssociates" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="OtherInvestmentsOutsideIndia" id="in-gaap_OtherInvestmentsOutsideIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="GrossValueofInvestmentsInIndia" id="in-gaap_GrossValueofInvestmentsInIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="ProvisionsDepreciationInvestmentsInIndia" id="in-gaap_ProvisionsDepreciationInvestmentsInIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="GrossValueofInvestmentsOutsideIndia" id="in-gaap_GrossValueofInvestmentsOutsideIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="ProvisionsDepreciationInvestmentsOutsideIndia" id="in-gaap_ProvisionsDepreciationInvestmentsOutsideIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="InvestmentsHeldForTrading" id="in-gaap_InvestmentsHeldForTrading" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="InvestmentsHeldToMaturity" id="in-gaap_InvestmentsHeldToMaturity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="InvestmentsAvailableForSale" id="in-gaap_InvestmentsAvailableForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="Advances" id="in-gaap_Advances" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="BillsPurchasedDiscounted" id="in-gaap_BillsPurchasedDiscounted" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="CashCreditsOverdraftsLoansRepayableonDemand" id="in-gaap_CashCreditsOverdraftsLoansRepayableonDemand" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="TermLoans" id="in-gaap_TermLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="SecuritisationFinanceLeaseHirePurchaseReceivables" id="in-gaap_SecuritisationFinanceLeaseHirePurchaseReceivables" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="AdvancesInIndiaBySectors" id="in-gaap_AdvancesInIndiaBySectors" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="PrioritySectorAdvancesInIndia" id="in-gaap_PrioritySectorAdvancesInIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="PublicSectorAdvancesInIndia" id="in-gaap_PublicSectorAdvancesInIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="AdvancesToBanksInIndia" id="in-gaap_AdvancesToBanksInIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="OtherAdvancesInIndia" id="in-gaap_OtherAdvancesInIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="AdvancesOutsideIndiaBySectors" id="in-gaap_AdvancesOutsideIndiaBySectors" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="AdvancesOutsideIndiaToBanks" id="in-gaap_AdvancesOutsideIndiaToBanks" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="AdvancesOutsideIndiaToOthers" id="in-gaap_AdvancesOutsideIndiaToOthers" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="BillsPurchasedDiscountedOutsideIndia" id="in-gaap_BillsPurchasedDiscountedOutsideIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="SyndicatedLoansOutsideIndia" id="in-gaap_SyndicatedLoansOutsideIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="OtherAdvancesOutsideIndia" id="in-gaap_OtherAdvancesOutsideIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="AdvancesSecuredByTangibleAssets" id="in-gaap_AdvancesSecuredByTangibleAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="AdvancesAgainstBookDebts" id="in-gaap_AdvancesAgainstBookDebts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="AdvancesCoveredByBankGovernmentGuarantees" id="in-gaap_AdvancesCoveredByBankGovernmentGuarantees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="UnsecuredAdvances" id="in-gaap_UnsecuredAdvances" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="PremisesNet" id="in-gaap_PremisesNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="PremisesGross" id="in-gaap_PremisesGross" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="AccumulatedDepreciationPremises" id="in-gaap_AccumulatedDepreciationPremises" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="AccumulatedImpairmentPremises" id="in-gaap_AccumulatedImpairmentPremises" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="OtherFixedAssetsIncludingFurnitureNet" id="in-gaap_OtherFixedAssetsIncludingFurnitureNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="OtherFixedAssetsIncludingFurnitureNetPresentation" id="in-gaap_OtherFixedAssetsIncludingFurnitureNetPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="OtherFixedAssetsIncludingFurnitureGross" id="in-gaap_OtherFixedAssetsIncludingFurnitureGross" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="AccumulatedDepreciationOtherFixedAssetsIncludingFurniture" id="in-gaap_AccumulatedDepreciationOtherFixedAssetsIncludingFurniture" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="AccumulatedImpairmentOtherFixedAssetsIncludingFurniture" id="in-gaap_AccumulatedImpairmentOtherFixedAssetsIncludingFurniture" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="LeaseholdAssetsNet" id="in-gaap_LeaseholdAssetsNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="LeaseholdAssetsGross" id="in-gaap_LeaseholdAssetsGross" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="AccumulatedDepreciationAmortisationLeaseholdAssets" id="in-gaap_AccumulatedDepreciationAmortisationLeaseholdAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="AccumulatedImpairmentLeaseholdAssets" id="in-gaap_AccumulatedImpairmentLeaseholdAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="SundryAssets" id="in-gaap_SundryAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="InterOfficeAdjustmentsAssets" id="in-gaap_InterOfficeAdjustmentsAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="AmountDueFromHeadOffice" id="in-gaap_AmountDueFromHeadOffice" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="ShareBondApplicationMoneyPendingAllotment" id="in-gaap_ShareBondApplicationMoneyPendingAllotment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="SecurityDepositsProperty" id="in-gaap_SecurityDepositsProperty" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="NonBankingAssetsAcquiredForClaims" id="in-gaap_NonBankingAssetsAcquiredForClaims" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="StationaryStamps" id="in-gaap_StationaryStamps" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="ChequesInCollection" id="in-gaap_ChequesInCollection" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="AdvancesCapitalAssets" id="in-gaap_AdvancesCapitalAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="OutstandingFees" id="in-gaap_OutstandingFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="ContingentLiabilities" id="in-gaap_ContingentLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="ClaimsNotAcknowledgedAsDebts" id="in-gaap_ClaimsNotAcknowledgedAsDebts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="TaxationClaimsNotAcknowledgedAsDebts" id="in-gaap_TaxationClaimsNotAcknowledgedAsDebts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="OtherClaimsNotAcknowledgedAsDebts" id="in-gaap_OtherClaimsNotAcknowledgedAsDebts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="LiabilityPartlyPaidInvestments" id="in-gaap_LiabilityPartlyPaidInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="LiabilityForeignExchangeContracts" id="in-gaap_LiabilityForeignExchangeContracts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="LiabilityDerivativeContracts" id="in-gaap_LiabilityDerivativeContracts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="LiabilityForwardContracts" id="in-gaap_LiabilityForwardContracts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="LiabilityInterestRateSwapsCurrencySwapsInterestRateFutures" id="in-gaap_LiabilityInterestRateSwapsCurrencySwapsInterestRateFutures" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="LiabilityInterestRateSwaps" id="in-gaap_LiabilityInterestRateSwaps" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="LiabilityCurrencySwaps" id="in-gaap_LiabilityCurrencySwaps" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="LiabilityInterestRateFutures" id="in-gaap_LiabilityInterestRateFutures" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="LiabilityForeignCurrencyOptions" id="in-gaap_LiabilityForeignCurrencyOptions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="LiabilityOtherDerivativeContracts" id="in-gaap_LiabilityOtherDerivativeContracts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="DisputedLiabilities" id="in-gaap_DisputedLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="LiabilityDisputedIncomeTax" id="in-gaap_LiabilityDisputedIncomeTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="LiabilityDisputedInterestTaxDemands" id="in-gaap_LiabilityDisputedInterestTaxDemands" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="DisputedOtherLiabilities" id="in-gaap_DisputedOtherLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="CapitalCommitment" id="in-gaap_CapitalCommitment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="GuaranteesOnBehalfOfConstituents" id="in-gaap_GuaranteesOnBehalfOfConstituents" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="GuaranteesOnBehalfOfConstituentsInIndia" id="in-gaap_GuaranteesOnBehalfOfConstituentsInIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="GuaranteesOnBehalfOfConstituentsOutsideIndia" id="in-gaap_GuaranteesOnBehalfOfConstituentsOutsideIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="AcceptancesEndorsementsOtherObligations" id="in-gaap_AcceptancesEndorsementsOtherObligations" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="AcceptancesEndorsementsOtherObligationsInIndia" id="in-gaap_AcceptancesEndorsementsOtherObligationsInIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="AcceptancesEndorsementsOtherObligationsOutsideIndia" id="in-gaap_AcceptancesEndorsementsOtherObligationsOutsideIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="EstimatedCapitalContractsOutstanding" id="in-gaap_EstimatedCapitalContractsOutstanding" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="CustomerLiabilitiesUnderCreditDefault" id="in-gaap_CustomerLiabilitiesUnderCreditDefault" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="InterBankParticipationCertificate" id="in-gaap_InterBankParticipationCertificate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="BillsForCollection" id="in-gaap_BillsForCollection" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="ChangesStatutoryReserve" id="in-gaap_ChangesStatutoryReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdditionsStatutoryReserve" id="in-gaap_AdditionsStatutoryReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="DeductionsStatutoryReserve" id="in-gaap_DeductionsStatutoryReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ChangesSpecialCapitalReserve" id="in-gaap_ChangesSpecialCapitalReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdditionsSpecialCapitalReserve" id="in-gaap_AdditionsSpecialCapitalReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="DeductionsSpecialCapitalReserve" id="in-gaap_DeductionsSpecialCapitalReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ChangesRemittableSurplusRetainedinIndianBooks" id="in-gaap_ChangesRemittableSurplusRetainedinIndianBooks" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdditionsRemittableSurplusRetainedinIndianBooks" id="in-gaap_AdditionsRemittableSurplusRetainedinIndianBooks" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="DeductionsRemittableSurplusRetainedinIndianBooks" id="in-gaap_DeductionsRemittableSurplusRetainedinIndianBooks" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ChangesOtherCapitalReserve" id="in-gaap_ChangesOtherCapitalReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdditionsOtherCapitalReserve" id="in-gaap_AdditionsOtherCapitalReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="DeductionsOtherCapitalReserve" id="in-gaap_DeductionsOtherCapitalReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ChangesInvestmentFluctuationReserve" id="in-gaap_ChangesInvestmentFluctuationReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdditionsInvestmentFluctuationReserve" id="in-gaap_AdditionsInvestmentFluctuationReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="DeductionsInvestmentFluctuationReserve" id="in-gaap_DeductionsInvestmentFluctuationReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ChangesInvestmentReserve" id="in-gaap_ChangesInvestmentReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdditionsInvestmentReserve" id="in-gaap_AdditionsInvestmentReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="DeductionsInvestmentReserve" id="in-gaap_DeductionsInvestmentReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ChangesSpecialReserveUnderIncomeTaxAct" id="in-gaap_ChangesSpecialReserveUnderIncomeTaxAct" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdditionsSpecialReserveUnderIncomeTaxAct" id="in-gaap_AdditionsSpecialReserveUnderIncomeTaxAct" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="DeductionsSpecialReserveUnderIncomeTaxAct" id="in-gaap_DeductionsSpecialReserveUnderIncomeTaxAct" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ChangesStaffWelfareFund" id="in-gaap_ChangesStaffWelfareFund" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdditionsStaffWelfareFund" id="in-gaap_AdditionsStaffWelfareFund" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="DeductionsStaffWelfareFund" id="in-gaap_DeductionsStaffWelfareFund" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ChangesOtherSpecialReserve" id="in-gaap_ChangesOtherSpecialReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdditionsOtherSpecialReserve" id="in-gaap_AdditionsOtherSpecialReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="DeductionsOtherSpecialReserve" id="in-gaap_DeductionsOtherSpecialReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="TotalSecuredBorrowings" id="in-gaap_TotalSecuredBorrowings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="AdditionsPremises" id="in-gaap_AdditionsPremises" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="DeductionsPremises" id="in-gaap_DeductionsPremises" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="RevaluationPremises" id="in-gaap_RevaluationPremises" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdditionsOtherFixedAssetsIncludingFurniture" id="in-gaap_AdditionsOtherFixedAssetsIncludingFurniture" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="RevaluationOtherFixedAssetsIncludingFurniture" id="in-gaap_RevaluationOtherFixedAssetsIncludingFurniture" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DeductionsOtherFixedAssetsIncludingFurniture" id="in-gaap_DeductionsOtherFixedAssetsIncludingFurniture" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="AdditionsLeaseholdAssets" id="in-gaap_AdditionsLeaseholdAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="DeductionsLeaseholdAssets" id="in-gaap_DeductionsLeaseholdAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="RevaluationLeaseholdAssets" id="in-gaap_RevaluationLeaseholdAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdditionsIntangibleAssets" id="in-gaap_AdditionsIntangibleAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="DeductionsIntangibleAssets" id="in-gaap_DeductionsIntangibleAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="RevaluationIntangibleAssets" id="in-gaap_RevaluationIntangibleAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="InterestIncomeAccruedAndDue" id="in-gaap_InterestIncomeAccruedAndDue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="InterestIncomeAccruedAndNotDue" id="in-gaap_InterestIncomeAccruedAndNotDue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="NetProfitLossBeforeMinorityInterest" id="in-gaap_NetProfitLossBeforeMinorityInterest" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="OperatingInterestDividendIncomeEarned" id="in-gaap_OperatingInterestDividendIncomeEarned" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="InterestDiscountIncomeAdvancesBills" id="in-gaap_InterestDiscountIncomeAdvancesBills" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="InterestIncomeBalanceswithReserveBankofIndiaandInterBankFunds" id="in-gaap_InterestIncomeBalanceswithReserveBankofIndiaandInterBankFunds" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="InterestDividendIncomeInvestments" id="in-gaap_InterestDividendIncomeInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="OtherInterestDividendIncome" id="in-gaap_OtherInterestDividendIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="CommissionExchangeBrokerageIncome" id="in-gaap_CommissionExchangeBrokerageIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="NetProfitLossSaleDisposalFixedAssets" id="in-gaap_NetProfitLossSaleDisposalFixedAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="NetProfitLossSaleDisposalLeasedAssets" id="in-gaap_NetProfitLossSaleDisposalLeasedAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="ProfitSaleDisposalLeasedAssets" id="in-gaap_ProfitSaleDisposalLeasedAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="LossSaleDisposalLeasedAssets" id="in-gaap_LossSaleDisposalLeasedAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="NetProfitLossSaleRedemptionInvestments" id="in-gaap_NetProfitLossSaleRedemptionInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="NetProfitLossForeignExchangeDifference" id="in-gaap_NetProfitLossForeignExchangeDifference" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="NetProfitLossDerivativeTransactions" id="in-gaap_NetProfitLossDerivativeTransactions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="ProfitDerivativeTransactions" id="in-gaap_ProfitDerivativeTransactions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="LossDerivativeTransactions" id="in-gaap_LossDerivativeTransactions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="InterestExpenseReserveBankOfIndiaAndInterBankBorrowings" id="in-gaap_InterestExpenseReserveBankOfIndiaAndInterBankBorrowings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="NetProfitLossRevaluationInvestments" id="in-gaap_NetProfitLossRevaluationInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="ProfitRevaluationInvestments" id="in-gaap_ProfitRevaluationInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="LossRevaluationInvestments" id="in-gaap_LossRevaluationInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="DividendIncomeSubsidiariesCompaniesJointVentures" id="in-gaap_DividendIncomeSubsidiariesCompaniesJointVentures" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="DividendIncomeSubsidiariesCompaniesJointVenturesInIndia" id="in-gaap_DividendIncomeSubsidiariesCompaniesJointVenturesInIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="DividendIncomeSubsidiariesCompaniesJointVenturesOutsideIndia" id="in-gaap_DividendIncomeSubsidiariesCompaniesJointVenturesOutsideIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="LeaseIncome" id="in-gaap_LeaseIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="LeaseManagementFees" id="in-gaap_LeaseManagementFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="LeaseFinanceIncome" id="in-gaap_LeaseFinanceIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="LeaseOverdueCharges" id="in-gaap_LeaseOverdueCharges" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="LeaseIncomeOther" id="in-gaap_LeaseIncomeOther" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="IncomeDerivedInsuranceActivitiesInsuranceClaimsFavourOfBank" id="in-gaap_IncomeDerivedInsuranceActivitiesInsuranceClaimsFavourOfBank" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="LegalSettlementsIncomeFavourOfBank" id="in-gaap_LegalSettlementsIncomeFavourOfBank" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="OperatingInterestExpenditure" id="in-gaap_OperatingInterestExpenditure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="OperatingExpenses" id="in-gaap_OperatingExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="RentTaxesLighting" id="in-gaap_RentTaxesLighting" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="HeadOfficeCharges" id="in-gaap_HeadOfficeCharges" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="DepreciationAmortisationBankProperty" id="in-gaap_DepreciationAmortisationBankProperty" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="DepreciationAmortisationLeasedAssets" id="in-gaap_DepreciationAmortisationLeasedAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="TransferAgencyFees" id="in-gaap_TransferAgencyFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="OtherOperatingExpenditure" id="in-gaap_OtherOperatingExpenditure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ProvisionsWriteOffsDuringYear" id="in-gaap_ProvisionsWriteOffsDuringYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ReversalProvisionsWriteOffsDuringPreviousYear" id="in-gaap_ReversalProvisionsWriteOffsDuringPreviousYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="ShareEarningsAssociatesInIndia" id="in-gaap_ShareEarningsAssociatesInIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="ShareEarningsRegionalRuralBanks" id="in-gaap_ShareEarningsRegionalRuralBanks" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="ShareEarningsOthers" id="in-gaap_ShareEarningsOthers" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="ShareEarningsAssociatesOutsideIndia" id="in-gaap_ShareEarningsAssociatesOutsideIndia" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="AppropriationsStaffWelfareFund" id="in-gaap_AppropriationsStaffWelfareFund" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="AppropriationsInvestmentFluctuationReserve" id="in-gaap_AppropriationsInvestmentFluctuationReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="AppropriationsSpecialReserveIncomeTaxAct" id="in-gaap_AppropriationsSpecialReserveIncomeTaxAct" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentDepreciationFixedAssets" id="in-gaap_AdjustmentDepreciationFixedAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentDepreciationLeasedAssets" id="in-gaap_AdjustmentDepreciationLeasedAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentDepreciationInvestments" id="in-gaap_AdjustmentDepreciationInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentInterestExpenseDeposits" id="in-gaap_AdjustmentInterestExpenseDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentInterestExpenseLongTermLoans" id="in-gaap_AdjustmentInterestExpenseLongTermLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentInterestExpenseShortTermLoans" id="in-gaap_AdjustmentInterestExpenseShortTermLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentInterestExpenseOther" id="in-gaap_AdjustmentInterestExpenseOther" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentProvisionSecuritisedAssets" id="in-gaap_AdjustmentProvisionSecuritisedAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentProvisionStandardAssets" id="in-gaap_AdjustmentProvisionStandardAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentProvisionsNonPerformingAssets" id="in-gaap_AdjustmentProvisionsNonPerformingAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentProvisionOtherAssets" id="in-gaap_AdjustmentProvisionOtherAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentProvisionTaxation" id="in-gaap_AdjustmentProvisionTaxation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentProvisionCurrentTax" id="in-gaap_AdjustmentProvisionCurrentTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentProvisionDeferredTax" id="in-gaap_AdjustmentProvisionDeferredTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentProvisionWealthTax" id="in-gaap_AdjustmentProvisionWealthTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentProvisionFringeBenefitTax" id="in-gaap_AdjustmentProvisionFringeBenefitTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentProvisionInterestonSubordinatedDebt" id="in-gaap_AdjustmentProvisionInterestonSubordinatedDebt" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentGoodwillWrittenoff" id="in-gaap_AdjustmentGoodwillWrittenoff" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentGainLossSaleNonBankingAssets" id="in-gaap_AdjustmentGainLossSaleNonBankingAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentGainLossRevaluationInvestments" id="in-gaap_AdjustmentGainLossRevaluationInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentLeaseEqualisationCharges" id="in-gaap_AdjustmentLeaseEqualisationCharges" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ChangeInvestments" id="in-gaap_ChangeInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ChangeDeposits" id="in-gaap_ChangeDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ChangeBorrowings" id="in-gaap_ChangeBorrowings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ChangeProvisionsOtherLiabilities" id="in-gaap_ChangeProvisionsOtherLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="PurchaseInvestments" id="in-gaap_PurchaseInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="PurchaseInvestmentsHeldToMaturity" id="in-gaap_PurchaseInvestmentsHeldToMaturity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="PurchaseInvestmentsHeldForTrading" id="in-gaap_PurchaseInvestmentsHeldForTrading" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="PurchaseInvestmentAvailableForSale" id="in-gaap_PurchaseInvestmentAvailableForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="ProceedSaleRedemptionInvestments" id="in-gaap_ProceedSaleRedemptionInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ProceedSaleRedemptionInvestmentHeldToMaturity" id="in-gaap_ProceedSaleRedemptionInvestmentHeldToMaturity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ProceedSaleRedemptionInvestmentsHeldForTrading" id="in-gaap_ProceedSaleRedemptionInvestmentsHeldForTrading" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ProceedSaleRedemptionInvestmentAvailableForSale" id="in-gaap_ProceedSaleRedemptionInvestmentAvailableForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="PurchaseMinorityInterest" id="in-gaap_PurchaseMinorityInterest" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="ProceedsSaleMinorityInterest" id="in-gaap_ProceedsSaleMinorityInterest" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ProceedsInterestRelatedParties" id="in-gaap_ProceedsInterestRelatedParties" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ProceedsDividendRelatedParties" id="in-gaap_ProceedsDividendRelatedParties" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="SecuritiesPremiumReceived" id="in-gaap_SecuritiesPremiumReceived" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ProceedsBorrowings" id="in-gaap_ProceedsBorrowings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ProceedsSubordinateDebtInstruments" id="in-gaap_ProceedsSubordinateDebtInstruments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ProceedsBondsDebentures" id="in-gaap_ProceedsBondsDebentures" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ProceedsLongTermLoans" id="in-gaap_ProceedsLongTermLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ProceedsShortTermLoans" id="in-gaap_ProceedsShortTermLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ProceedsOtherBorrowings" id="in-gaap_ProceedsOtherBorrowings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="RepaymentBorrowings" id="in-gaap_RepaymentBorrowings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="RepaymentSubordinateDebtInstruments" id="in-gaap_RepaymentSubordinateDebtInstruments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="RepaymentBondsDebentures" id="in-gaap_RepaymentBondsDebentures" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="RepaymentLongTermLoans" id="in-gaap_RepaymentLongTermLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="RepaymentShortTermLoans" id="in-gaap_RepaymentShortTermLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="RepaymentRedemptionOtherBorrowings" id="in-gaap_RepaymentRedemptionOtherBorrowings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="ShareCapitalNationalisedBanksPresentation" id="in-gaap_ShareCapitalNationalisedBanksPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="CalledupEquityShareCapitalPresentation" id="in-gaap_CalledupEquityShareCapitalPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="StatutoryReservePresentation" id="in-gaap_StatutoryReservePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="TotalCapitalReservesPresentation" id="in-gaap_TotalCapitalReservesPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="SpecialCapitalReservePresentation" id="in-gaap_SpecialCapitalReservePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="RemittableSurplusRetainedinIndianBooksPresentation" id="in-gaap_RemittableSurplusRetainedinIndianBooksPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="OtherCapitalReservePresentation" id="in-gaap_OtherCapitalReservePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="RevenueOtherReservesPresentation" id="in-gaap_RevenueOtherReservesPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="InvestmentFluctuationReservePresentation" id="in-gaap_InvestmentFluctuationReservePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="InvestmentReservePresentation" id="in-gaap_InvestmentReservePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="SpecialReserveUnderIncomeTaxActPresentation" id="in-gaap_SpecialReserveUnderIncomeTaxActPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="StaffWelfareFundPresentation" id="in-gaap_StaffWelfareFundPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="OtherSpecialReservePresentation" id="in-gaap_OtherSpecialReservePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DepositsPresentation" id="in-gaap_DepositsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DepositsByTypesPresentation" id="in-gaap_DepositsByTypesPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DemandDepositsPresentation" id="in-gaap_DemandDepositsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DepositsByLocationPresentation" id="in-gaap_DepositsByLocationPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DepositsBranchesOutsideIndiaPresentation" id="in-gaap_DepositsBranchesOutsideIndiaPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="BorrowingsPresentation" id="in-gaap_BorrowingsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="BorrowingsInIndiaPresentation" id="in-gaap_BorrowingsInIndiaPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="BorrowingsOutsideIndiaPresentation" id="in-gaap_BorrowingsOutsideIndiaPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="OtherLiabilitiesIncludingProvisionsPresentation" id="in-gaap_OtherLiabilitiesIncludingProvisionsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DividendDividendTaxpayablePresentation" id="in-gaap_DividendDividendTaxpayablePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="OtherLiabilitiesProvisionsPresentation" id="in-gaap_OtherLiabilitiesProvisionsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="CashAndBalancesWithReserveBankOfIndiaPresentation" id="in-gaap_CashAndBalancesWithReserveBankOfIndiaPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="BalancesWithReserveBankOfIndiaPresentation" id="in-gaap_BalancesWithReserveBankOfIndiaPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="BalancesWithBanksAndMoneyAtCallShortNoticePresentation" id="in-gaap_BalancesWithBanksAndMoneyAtCallShortNoticePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="BalancesWithBanksAndMoneyAtCallShortNoticeInIndiaPresentation" id="in-gaap_BalancesWithBanksAndMoneyAtCallShortNoticeInIndiaPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="BalancesWithBanksInIndiaPresentation" id="in-gaap_BalancesWithBanksInIndiaPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="MoneyAtCallShortNoticeInIndiaPresentation" id="in-gaap_MoneyAtCallShortNoticeInIndiaPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="BalancesWithBanksAndMoneyAtCallShortNoticeOutsideIndiaPresentation" id="in-gaap_BalancesWithBanksAndMoneyAtCallShortNoticeOutsideIndiaPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="InvestmentByLocationPresentation" id="in-gaap_InvestmentByLocationPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="InvestmentsInIndiaNetPresentation" id="in-gaap_InvestmentsInIndiaNetPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="InvestmentsInIndiaGrossNetPresentation" id="in-gaap_InvestmentsInIndiaGrossNetPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="InvestmentRelatedPartiesInIndiaPresentation" id="in-gaap_InvestmentRelatedPartiesInIndiaPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="InvestmentsOutsideIndiaNetPresentation" id="in-gaap_InvestmentsOutsideIndiaNetPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="InvestmentsOutsideIndiaGrossNetPresentation" id="in-gaap_InvestmentsOutsideIndiaGrossNetPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="InvestmentsRelatedPartiesOutsideIndiaPresentation" id="in-gaap_InvestmentsRelatedPartiesOutsideIndiaPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="InvestmentsNetGrossClassificationPresentation" id="in-gaap_InvestmentsNetGrossClassificationPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="InvestmentRBIGuidelinesClassificationPresentation" id="in-gaap_InvestmentRBIGuidelinesClassificationPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdvancesPresentation" id="in-gaap_AdvancesPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdvancesByInstrumentPresentation" id="in-gaap_AdvancesByInstrumentPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdvancesByParticularsPresentation" id="in-gaap_AdvancesByParticularsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdvancesBySectorsPresentation" id="in-gaap_AdvancesBySectorsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdvancesInIndiaBySectorsPresentation" id="in-gaap_AdvancesInIndiaBySectorsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdvancesOutsideIndiaBySectorsPresentation" id="in-gaap_AdvancesOutsideIndiaBySectorsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdvancesOutsideIndiaToOthersPresentation" id="in-gaap_AdvancesOutsideIndiaToOthersPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="PremisesNetPresentation" id="in-gaap_PremisesNetPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="LeaseholdAssetsNetPresentation" id="in-gaap_LeaseholdAssetsNetPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="SundryAssetsPresentation" id="in-gaap_SundryAssetsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ContingentLiabilitiesPresentation" id="in-gaap_ContingentLiabilitiesPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ClaimsNotAcknowledgedAsDebtsPresentation" id="in-gaap_ClaimsNotAcknowledgedAsDebtsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="LiabilityDerivativeContractsPresentation" id="in-gaap_LiabilityDerivativeContractsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="LiabilityInterestRateSwapsCurrencySwapsInterestRateFuturesPresentation" id="in-gaap_LiabilityInterestRateSwapsCurrencySwapsInterestRateFuturesPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisputedLiabilitiesPresentation" id="in-gaap_DisputedLiabilitiesPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="GuaranteesOnBehalfOfConstituentsPresentation" id="in-gaap_GuaranteesOnBehalfOfConstituentsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AcceptancesEndorsementsOtherObligationsPresentation" id="in-gaap_AcceptancesEndorsementsOtherObligationsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ShareCapitalForeignBanksPresentation" id="in-gaap_ShareCapitalForeignBanksPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ChangesStatutoryReservePresentation" id="in-gaap_ChangesStatutoryReservePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ChangesSpecialCapitalReservePresentation" id="in-gaap_ChangesSpecialCapitalReservePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ChangesRemittableSurplusRetainedinIndianBooksPresentation" id="in-gaap_ChangesRemittableSurplusRetainedinIndianBooksPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ChangesOtherCapitalReservePresentation" id="in-gaap_ChangesOtherCapitalReservePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ChangesInvestmentFluctuationReservePresentation" id="in-gaap_ChangesInvestmentFluctuationReservePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ChangesInvestmentReservePresentation" id="in-gaap_ChangesInvestmentReservePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ChangesSpecialReserveUnderIncomeTaxActPresentation" id="in-gaap_ChangesSpecialReserveUnderIncomeTaxActPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ChangesStaffWelfareFundPresentation" id="in-gaap_ChangesStaffWelfareFundPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ChangesOtherSpecialReservePresentation" id="in-gaap_ChangesOtherSpecialReservePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DepositsBranchesInIndiaPresentation" id="in-gaap_DepositsBranchesInIndiaPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="StatementofProfitandLossPresentation" id="in-gaap_StatementofProfitandLossPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="OperatingInterestDividendIncomeEarnedPresentation" id="in-gaap_OperatingInterestDividendIncomeEarnedPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NetProfitLossSaleDisposalFixedAssetsPresentation" id="in-gaap_NetProfitLossSaleDisposalFixedAssetsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NetProfitLossSaleDisposalLeasedAssetsPresentation" id="in-gaap_NetProfitLossSaleDisposalLeasedAssetsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NetProfitLossSaleRedemptionInvestmentsPresentation" id="in-gaap_NetProfitLossSaleRedemptionInvestmentsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NetProfitLossForeignExchangeDifferencePresentation" id="in-gaap_NetProfitLossForeignExchangeDifferencePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NetProfitLossDerivativeTransactionsPresentation" id="in-gaap_NetProfitLossDerivativeTransactionsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NetProfitLossRevaluationInvestmentsPresentation" id="in-gaap_NetProfitLossRevaluationInvestmentsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DividendIncomeSubsidiariesCompaniesJointVenturesPresentation" id="in-gaap_DividendIncomeSubsidiariesCompaniesJointVenturesPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="LeaseIncomePresentation" id="in-gaap_LeaseIncomePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="OperatingInterestExpenditurePresentation" id="in-gaap_OperatingInterestExpenditurePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="OperatingExpensesPresentation" id="in-gaap_OperatingExpensesPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ShareEarningsAssociatesInIndiaPresentation" id="in-gaap_ShareEarningsAssociatesInIndiaPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdjustmentProvisionTaxationPresentation" id="in-gaap_AdjustmentProvisionTaxationPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="PurchaseInvestmentsPresentation" id="in-gaap_PurchaseInvestmentsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ProceedSaleRedemptionInvestmentsPresentation" id="in-gaap_ProceedSaleRedemptionInvestmentsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ProceedsBorrowingsPresentation" id="in-gaap_ProceedsBorrowingsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="RepaymentBorrowingsPresentation" id="in-gaap_RepaymentBorrowingsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AccountingPoliciesDisclosuresPresentation" id="in-gaap_AccountingPoliciesDisclosuresPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AccountingPoliciesPresentation" id="in-gaap_AccountingPoliciesPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="RevenueRecognitionPolicyHirePurchaseOperations" id="in-gaap_RevenueRecognitionPolicyHirePurchaseOperations" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="RevenueRecognitionPolicyLeaseOperations" id="in-gaap_RevenueRecognitionPolicyLeaseOperations" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="RevenueRecognitionPolicyLifeInsuranceBusiness" id="in-gaap_RevenueRecognitionPolicyLifeInsuranceBusiness" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="RevenueRecognitionPolicyGeneralInsuranceBusiness" id="in-gaap_RevenueRecognitionPolicyGeneralInsuranceBusiness" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="RevenueRecognitionPolicyMerchantBankingTransactions" id="in-gaap_RevenueRecognitionPolicyMerchantBankingTransactions" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="RevenueRecognitionPolicyCreditcardoperations" id="in-gaap_RevenueRecognitionPolicyCreditcardoperations" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="RevenueRecognitionPolicyOtherServicesRendered" id="in-gaap_RevenueRecognitionPolicyOtherServicesRendered" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DepreciationMethodLeasedAssetsLeaseholdImprovements" id="in-gaap_DepreciationMethodLeasedAssetsLeaseholdImprovements" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DepreciationMethodFixedAssetsForeignBranches" id="in-gaap_DepreciationMethodFixedAssetsForeignBranches" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="RBIGuidelinesCategorisationComplianceCertification" id="in-gaap_RBIGuidelinesCategorisationComplianceCertification" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ValuationOfInvestmentDeterminationPolicy" id="in-gaap_ValuationOfInvestmentDeterminationPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ValuationOfInvestmentHeldToMaturityDeterminingPolicy" id="in-gaap_ValuationOfInvestmentHeldToMaturityDeterminingPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ValuationOfInvestmentAvailableForSaleDeterminingPolicy" id="in-gaap_ValuationOfInvestmentAvailableForSaleDeterminingPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ValuationOfInvestmentHeldForTradingDeterminingPolicy" id="in-gaap_ValuationOfInvestmentHeldForTradingDeterminingPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ValuationOfInvestmentRegionalRuralBankDeterminingPolicy" id="in-gaap_ValuationOfInvestmentRegionalRuralBankDeterminingPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ValuationOfInvestmentInTreasuryBillsCommercialPapersDeterminingPolicy" id="in-gaap_ValuationOfInvestmentInTreasuryBillsCommercialPapersDeterminingPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ValuationOfInvestmentInUnitsOfMutualFundsDeterminingPolicy" id="in-gaap_ValuationOfInvestmentInUnitsOfMutualFundsDeterminingPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ValuationOfSecurityReceiptIssuedBySecuritisationAndReconstructionCompanyAgainstFinancialAssetsPolicy" id="in-gaap_ValuationOfSecurityReceiptIssuedBySecuritisationAndReconstructionCompanyAgainstFinancialAssetsPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="MethodOfCalculatingCostOfAcquisitionInvestment" id="in-gaap_MethodOfCalculatingCostOfAcquisitionInvestment" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="MarketValueOfInvestmentAsPerRBINorms" id="in-gaap_MarketValueOfInvestmentAsPerRBINorms" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="MethodOfDeterminingIncomeFromNonPerformingSecuritiesProvision" id="in-gaap_MethodOfDeterminingIncomeFromNonPerformingSecuritiesProvision" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ComplianceWithGuidelinesOfForeignCountriesForOverseasBranches" id="in-gaap_ComplianceWithGuidelinesOfForeignCountriesForOverseasBranches" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="InvestmentFluctuationReserveAccountTreatment" id="in-gaap_InvestmentFluctuationReserveAccountTreatment" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AccountingPolicyBrokerageCommissionOnInvestment" id="in-gaap_AccountingPolicyBrokerageCommissionOnInvestment" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AccountingPolicyProfitLossOnSaleOfInvestment" id="in-gaap_AccountingPolicyProfitLossOnSaleOfInvestment" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AccountingPolicyProfitLossOnSaleOfHeldToMaturityInvestments" id="in-gaap_AccountingPolicyProfitLossOnSaleOfHeldToMaturityInvestments" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AccountingPolicyProfitOrLossOnSaleOfAvailableForSaleInvestments" id="in-gaap_AccountingPolicyProfitOrLossOnSaleOfAvailableForSaleInvestments" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AccountingPolicyPrOfitLossOnSaleOfHeldForTradingInvestments" id="in-gaap_AccountingPolicyPrOfitLossOnSaleOfHeldForTradingInvestments" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AccountingPolicyRepurchaseAndReverseRepurchaseTransactions" id="in-gaap_AccountingPolicyRepurchaseAndReverseRepurchaseTransactions" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AccountingPolicyBrokenPeriodInterestAndItsTreatment" id="in-gaap_AccountingPolicyBrokenPeriodInterestAndItsTreatment" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AccountingPolicyInterTransferOfInvestment" id="in-gaap_AccountingPolicyInterTransferOfInvestment" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="IncentivesReceivedAfterSaleOfSecuritiesTreatmentPolicy" id="in-gaap_IncentivesReceivedAfterSaleOfSecuritiesTreatmentPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="BasisClassificationAsIntegralNonIntegralForeignOperation" id="in-gaap_BasisClassificationAsIntegralNonIntegralForeignOperation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="TranslationOfForeignCurrencyNonIntegralForeignOperationsPolicy" id="in-gaap_TranslationOfForeignCurrencyNonIntegralForeignOperationsPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="TranslationOfForeignCurrencyIntegralForeignOperationsPolicy" id="in-gaap_TranslationOfForeignCurrencyIntegralForeignOperationsPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="TranslationOfForeignCurrencyBranchesAtIndiaPolicy" id="in-gaap_TranslationOfForeignCurrencyBranchesAtIndiaPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="TranslationOfForeignCurrencyBalancesAndOutstandingForeignExchangeContractsPolicy" id="in-gaap_TranslationOfForeignCurrencyBalancesAndOutstandingForeignExchangeContractsPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="TranslationOfIncomeAndExpenditureItemsOfBranchesAtIndiaPolicy" id="in-gaap_TranslationOfIncomeAndExpenditureItemsOfBranchesAtIndiaPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="TranslationOfAcceptancesEndorsementOtherObligationsOfBranchesAtIndiaPolicy" id="in-gaap_TranslationOfAcceptancesEndorsementOtherObligationsOfBranchesAtIndiaPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="TranslationOfForeignLetterOfCreditLetterOfGuaranteePolicy" id="in-gaap_TranslationOfForeignLetterOfCreditLetterOfGuaranteePolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ComplianceWithAccountingStandardForForeignCurrencyTransactionsCertification" id="in-gaap_ComplianceWithAccountingStandardForForeignCurrencyTransactionsCertification" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosureExchangeRatesNotifiedByForeignExchangeDealersAssociationOfIndia" id="in-gaap_DisclosureExchangeRatesNotifiedByForeignExchangeDealersAssociationOfIndia" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ValuationOfInterestRateSwapsForHedgingContractsPolicy" id="in-gaap_ValuationOfInterestRateSwapsForHedgingContractsPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ValuationOfInterestRateSwapsForTradingContractsPolicy" id="in-gaap_ValuationOfInterestRateSwapsForTradingContractsPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="RecognisingIncomeExpensesHedgingContractsPolicy" id="in-gaap_RecognisingIncomeExpensesHedgingContractsPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="RecognisingIncomeExpensesTradingContractsPolicy" id="in-gaap_RecognisingIncomeExpensesTradingContractsPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="RecognisingDefermentfGainsLossTerminatedSwapTransactionPolicy" id="in-gaap_RecognisingDefermentfGainsLossTerminatedSwapTransactionPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="RecognisingIncomePremiumDiscountOptionContractsPolicy" id="in-gaap_RecognisingIncomePremiumDiscountOptionContractsPolicy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="BasisOfProvisionCreatedRestructuredorRescheduledAssets" id="in-gaap_BasisOfProvisionCreatedRestructuredorRescheduledAssets" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="BasisOfGeneralProvisionPerformingLoans" id="in-gaap_BasisOfGeneralProvisionPerformingLoans" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosureBalancesWithForeignBanks" id="in-gaap_DisclosureBalancesWithForeignBanks" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="BasisForSpecificProvisionCountryExposureRisk" id="in-gaap_BasisForSpecificProvisionCountryExposureRisk" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="PolicyRecognisingReversalsOfProvisions" id="in-gaap_PolicyRecognisingReversalsOfProvisions" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="OtherDisclosuresNotesAccountsPresentation" id="in-gaap_OtherDisclosuresNotesAccountsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ReconciliationOfInterBranchAndInterBankTransactionBalances" id="in-gaap_ReconciliationOfInterBranchAndInterBankTransactionBalances" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DetailsFinancialLease" id="in-gaap_DetailsFinancialLease" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ValueOfAssetAcquiredOnFinancialLease" id="in-gaap_ValueOfAssetAcquiredOnFinancialLease" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DepreciationAssetAcquiredFinancialLease" id="in-gaap_DepreciationAssetAcquiredFinancialLease" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AssetAcquiredFinancialLeaseNet" id="in-gaap_AssetAcquiredFinancialLeaseNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="FutureLeaseRentalsOnAssetsAcquiredUnderFinanceLease" id="in-gaap_FutureLeaseRentalsOnAssetsAcquiredUnderFinanceLease" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DetailsOperatingLease" id="in-gaap_DetailsOperatingLease" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="FutureLeaseRentalsOnAssetsAcquiredUnderOperatingLease" id="in-gaap_FutureLeaseRentalsOnAssetsAcquiredUnderOperatingLease" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="MinimumLeasePaymentsPayableNotLaterThanOneYearOperatingLeaseObligations" id="in-gaap_MinimumLeasePaymentsPayableNotLaterThanOneYearOperatingLeaseObligations" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="MinimumLeasePaymentsPayableLaterThanOneYearButLessThanFiveYearsOperatingLeaseObligations" id="in-gaap_MinimumLeasePaymentsPayableLaterThanOneYearButLessThanFiveYearsOperatingLeaseObligations" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="MinimumLeasePaymentsPayableOverFiveYearsOperatingLeaseObligations" id="in-gaap_MinimumLeasePaymentsPayableOverFiveYearsOperatingLeaseObligations" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="TransitionalLiabilityDisclosureAndAdjustments" id="in-gaap_TransitionalLiabilityDisclosureAndAdjustments" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DefermentOfTransitionalLiabilityDisclosure" id="in-gaap_DefermentOfTransitionalLiabilityDisclosure" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ChangesInFairValuePlanAssets" id="in-gaap_ChangesInFairValuePlanAssets" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="MovementsEmployeeBenefitLability" id="in-gaap_MovementsEmployeeBenefitLability" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="InvestmentPercentageOfEmployeeBenefits" id="in-gaap_InvestmentPercentageOfEmployeeBenefits" type="xbrli:pureItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="TreatmentTransitionalLiabilityDefinedBenefitPlan" id="in-gaap_TreatmentTransitionalLiabilityDefinedBenefitPlan" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="EstimatedContributionNextYear" id="in-gaap_EstimatedContributionNextYear" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ExpenditureVoluntaryRetirementScheme" id="in-gaap_ExpenditureVoluntaryRetirementScheme" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosureofShareofAggregateAmountAssetsinJointlyControlledOperations" id="in-gaap_DisclosureofShareofAggregateAmountAssetsinJointlyControlledOperations" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosureofShareofAggregateAmountofLiabilitiesInJointlyControlledOperations" id="in-gaap_DisclosureofShareofAggregateAmountofLiabilitiesInJointlyControlledOperations" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosureofShareofAggregateAmountofIncomeInJointlycontrolledOperations" id="in-gaap_DisclosureofShareofAggregateAmountofIncomeInJointlycontrolledOperations" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosureofShareofAggregateAmountofExpenditureInJointlyControlledOperations" id="in-gaap_DisclosureofShareofAggregateAmountofExpenditureInJointlyControlledOperations" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosureofFurtherCategorisationAsPerRBINorms" id="in-gaap_DisclosureofFurtherCategorisationAsPerRBINorms" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosuresNonPerformingInvestmentsAsPerRBINorms" id="in-gaap_DisclosuresNonPerformingInvestmentsAsPerRBINorms" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="InterestFixedDividendInstallmentDueAndRemainsUnpaidForMoreThanNinetyDays" id="in-gaap_InterestFixedDividendInstallmentDueAndRemainsUnpaidForMoreThanNinetyDays" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosureNegativeNetWorthOfCompany" id="in-gaap_DisclosureNegativeNetWorthOfCompany" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosureNonPerformingInvestmentsAgainstNonPerFormingAdvances" id="in-gaap_DisclosureNonPerformingInvestmentsAgainstNonPerFormingAdvances" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosureInvestmentsOnWhichScriptsCertificatesNotReceived" id="in-gaap_DisclosureInvestmentsOnWhichScriptsCertificatesNotReceived" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosureAmountofProfitonSaleofInvestmentsBasedonCategoryTypeInvestment" id="in-gaap_DisclosureAmountofProfitonSaleofInvestmentsBasedonCategoryTypeInvestment" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosureMarketValueofInvestmentAsPerRBIPrescribedNorms" id="in-gaap_DisclosureMarketValueofInvestmentAsPerRBIPrescribedNorms" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DetailsFixedAssets" id="in-gaap_DetailsFixedAssets" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DetailsAndAmountPremisesOnWhichTitleDeedYetToBeExecuted" id="in-gaap_DetailsAndAmountPremisesOnWhichTitleDeedYetToBeExecuted" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosuresRelatingToAdvances" id="in-gaap_DisclosuresRelatingToAdvances" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="PrudentialNormsIssuedByRBIComplianceCertification" id="in-gaap_PrudentialNormsIssuedByRBIComplianceCertification" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosureofClassificationofPerformingNonPerformingAdvances" id="in-gaap_DisclosureofClassificationofPerformingNonPerformingAdvances" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosureoFurtherClassificationoAdvancesToStandardSubStandardDoubtfulAndLoss" id="in-gaap_DisclosureoFurtherClassificationoAdvancesToStandardSubStandardDoubtfulAndLoss" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosureProvisionMadeForEachCategoryAsPerRBINorms" id="in-gaap_DisclosureProvisionMadeForEachCategoryAsPerRBINorms" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosureAmountofClaimReceivedFromECGCDICGC" id="in-gaap_DisclosureAmountofClaimReceivedFromECGCDICGC" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosureAdditionalProvisionCreatedOnNPAOverPrudentialNormsOfRBI" id="in-gaap_DisclosureAdditionalProvisionCreatedOnNPAOverPrudentialNormsOfRBI" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosureProvisionMadeForForeignBranchesAsPerStatutoryRequirementOfForeigncountry" id="in-gaap_DisclosureProvisionMadeForForeignBranchesAsPerStatutoryRequirementOfForeigncountry" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="MethodOfTreatmentOfPartialRecoveriesInNonPerformingAssets" id="in-gaap_MethodOfTreatmentOfPartialRecoveriesInNonPerformingAssets" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosureMethodOfTreatmentForSaleOfFinancialAssetsToAssetsReconstructionSecuritizationCompany" id="in-gaap_DisclosureMethodOfTreatmentForSaleOfFinancialAssetsToAssetsReconstructionSecuritizationCompany" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DetailsDeferredTaxAssets" id="in-gaap_DetailsDeferredTaxAssets" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DetailsDeferredTaxLiabilities" id="in-gaap_DetailsDeferredTaxLiabilities" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosureOnProvisionsContingentLiabilitiesAndContingentAssets" id="in-gaap_DisclosureOnProvisionsContingentLiabilitiesAndContingentAssets" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="OtherPoliciesIncomeStatement" id="in-gaap_OtherPoliciesIncomeStatement" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="OtherPoliciesAssetsLiabilities" id="in-gaap_OtherPoliciesAssetsLiabilities" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosuresAsPerRBIGuidelinesPresentation" id="in-gaap_DisclosuresAsPerRBIGuidelinesPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosuresCapitalAdequacy" id="in-gaap_DisclosuresCapitalAdequacy" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="CapitaltoRiskWeightedAssets" id="in-gaap_CapitaltoRiskWeightedAssets" type="xbrli:pureItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="CapitalAdequacyRatioTierICapital" id="in-gaap_CapitalAdequacyRatioTierICapital" type="xbrli:pureItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="CapitalAdequacyRatioTierIICapital" id="in-gaap_CapitalAdequacyRatioTierIICapital" type="xbrli:pureItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="PercentageShareholdingofGovernmentOfIndia" id="in-gaap_PercentageShareholdingofGovernmentOfIndia" type="xbrli:pureItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="DisclosuresRelatingInvestments" id="in-gaap_DisclosuresRelatingInvestments" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ValueofInvestmentsPresentation" id="in-gaap_ValueofInvestmentsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="MovementProvisionsDepreciationOnInvestmentsPresentation" id="in-gaap_MovementProvisionsDepreciationOnInvestmentsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ProvisionsDepreciationInvestments" id="in-gaap_ProvisionsDepreciationInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="AdditionstoProvisionsDepreciationInvestments" id="in-gaap_AdditionstoProvisionsDepreciationInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="DeductionfromProvisionsDepreciationInvestments" id="in-gaap_DeductionfromProvisionsDepreciationInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="DisclosureRepurchaseTransactions" id="in-gaap_DisclosureRepurchaseTransactions" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="SecuritiesSoldunderRepurchaseTransactions" id="in-gaap_SecuritiesSoldunderRepurchaseTransactions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="SecuritiesPurchasedunderReverseRepurchaseTransactions" id="in-gaap_SecuritiesPurchasedunderReverseRepurchaseTransactions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosureNonSLRInvestmentPortfolio" id="in-gaap_DisclosureNonSLRInvestmentPortfolio" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="CompositionNonSLRInvestmentPresentation" id="in-gaap_CompositionNonSLRInvestmentPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AmountOfNonSLRInvestmentsIssued" id="in-gaap_AmountOfNonSLRInvestmentsIssued" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ExtentOfPrivatePlacement" id="in-gaap_ExtentOfPrivatePlacement" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ExtentOfBelowInvestmentGradeSecurities" id="in-gaap_ExtentOfBelowInvestmentGradeSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ExtentOfUnratedSecurities" id="in-gaap_ExtentOfUnratedSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ExtentOfUnlistedSecurities" id="in-gaap_ExtentOfUnlistedSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="ProvisionForDepreciationOnNonSLRInvestments" id="in-gaap_ProvisionForDepreciationOnNonSLRInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NonSLRInvestmentPresentation" id="in-gaap_NonSLRInvestmentPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NonPerformingNonSLRInvestmentsPresentation" id="in-gaap_NonPerformingNonSLRInvestmentsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NonPerformingNonSLRInvestments" id="in-gaap_NonPerformingNonSLRInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="AdditionsToNonPerformingNonSLRInvestments" id="in-gaap_AdditionsToNonPerformingNonSLRInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="DeductionsFromNonPerformingNonSLRInvestments" id="in-gaap_DeductionsFromNonPerformingNonSLRInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="ProvisionForNonPerformingInvestments" id="in-gaap_ProvisionForNonPerformingInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="DisclosuresRelatingToDerivatives" id="in-gaap_DisclosuresRelatingToDerivatives" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ForwardRateAgreementsInterestRateSwaps" id="in-gaap_ForwardRateAgreementsInterestRateSwaps" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NotionalPrincipalOfSwapAgreements" id="in-gaap_NotionalPrincipalOfSwapAgreements" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="LossesIncurredOnCounterpartiesFailureToFulfillObligations" id="in-gaap_LossesIncurredOnCounterpartiesFailureToFulfillObligations" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="CollateralRequiredForEnteringIntoSwaps" id="in-gaap_CollateralRequiredForEnteringIntoSwaps" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ConcentrationOfCreditRiskArisingFromTheSwaps" id="in-gaap_ConcentrationOfCreditRiskArisingFromTheSwaps" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="FairValueOfTheSwapBook" id="in-gaap_FairValueOfTheSwapBook" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ExchangeTradedInterestRateDerivatives" id="in-gaap_ExchangeTradedInterestRateDerivatives" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NotionalPrincipalAmountOfExchangeTradedInterestRateDerivativesUndertakenDuringTheYear" id="in-gaap_NotionalPrincipalAmountOfExchangeTradedInterestRateDerivativesUndertakenDuringTheYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NotionalPrincipalAmountOfExchangeTradedInterestRateDerivativesOutstanding" id="in-gaap_NotionalPrincipalAmountOfExchangeTradedInterestRateDerivativesOutstanding" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NotionalPrincipalAmountOfExchangeTradedInterestRateDerivativesOutstandingAndNotHighlyEffective" id="in-gaap_NotionalPrincipalAmountOfExchangeTradedInterestRateDerivativesOutstandingAndNotHighlyEffective" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="MarkToMarketValueOfExchangeTradedInterestRateDerivativesOutstandingAndNotHighlyEffective" id="in-gaap_MarkToMarketValueOfExchangeTradedInterestRateDerivativesOutstandingAndNotHighlyEffective" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosuresOnRiskExposureInDerivatives" id="in-gaap_DisclosuresOnRiskExposureInDerivatives" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="QualitativeDisclosureRiskExposureDerivatives" id="in-gaap_QualitativeDisclosureRiskExposureDerivatives" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="StructureAndOrganizationForManagementOfRiskInDerivativesTrading" id="in-gaap_StructureAndOrganizationForManagementOfRiskInDerivativesTrading" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ScopeAndNatureOfRiskMeasurementRiskReportingAndRiskMonitoringSystems" id="in-gaap_ScopeAndNatureOfRiskMeasurementRiskReportingAndRiskMonitoringSystems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="PoliciesForHedgingMitigatingRiskAndStrategiesAndProcessesForMonitoringContinuingEffectivenessOfHedgesMitigants" id="in-gaap_PoliciesForHedgingMitigatingRiskAndStrategiesAndProcessesForMonitoringContinuingEffectivenessOfHedgesMitigants" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AccountingPolicyForRecordingTheHedgeAndNonHedgeTransactionsRecognitionOfIncomePremiumsAndDiscountsValuationOfOutstandingContractsProvisioningCollateralAndCreditRiskMitigation" id="in-gaap_AccountingPolicyForRecordingTheHedgeAndNonHedgeTransactionsRecognitionOfIncomePremiumsAndDiscountsValuationOfOutstandingContractsProvisioningCollateralAndCreditRiskMitigation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="QuantitativeDisclosure" id="in-gaap_QuantitativeDisclosure" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NotionalPrincipalAmountOfDerivatives" id="in-gaap_NotionalPrincipalAmountOfDerivatives" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="MarkedToMarginPositionPresentation" id="in-gaap_MarkedToMarginPositionPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="MarkedToMarginPositionAsset" id="in-gaap_MarkedToMarginPositionAsset" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="MarkedToMarginPositionLiability" id="in-gaap_MarkedToMarginPositionLiability" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="CreditExposure" id="in-gaap_CreditExposure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="LikelyImpactOfOnePercentageChangeInInterestRate" id="in-gaap_LikelyImpactOfOnePercentageChangeInInterestRate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="MaximumNumberOfPriceValueOfABasicPointObservedDuringTheYear" id="in-gaap_MaximumNumberOfPriceValueOfABasicPointObservedDuringTheYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="MinimumNumberOfPriceValueOfABasicPointObservedDuringTheYear" id="in-gaap_MinimumNumberOfPriceValueOfABasicPointObservedDuringTheYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosureAssetsQuality" id="in-gaap_DisclosureAssetsQuality" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NonPerformingAssets" id="in-gaap_NonPerformingAssets" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="PercentageOfNetNPAToNetAdvances" id="in-gaap_PercentageOfNetNPAToNetAdvances" type="xbrli:pureItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="MovementInGrossNonPerformingAssetsPresentation" id="in-gaap_MovementInGrossNonPerformingAssetsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="PercentageGrossNPA" id="in-gaap_PercentageGrossNPA" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="GrossNonPerformingAssets" id="in-gaap_GrossNonPerformingAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="AdditionsToGrossNonPerformingAssets" id="in-gaap_AdditionsToGrossNonPerformingAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="DeductionsFromGrossNonPerformingAssets" id="in-gaap_DeductionsFromGrossNonPerformingAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="MovementInNetNonPerformingAssetsPresentation" id="in-gaap_MovementInNetNonPerformingAssetsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NetNonPerformingAssets" id="in-gaap_NetNonPerformingAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element name="AdditionsToNetNonPerformingAssets" id="in-gaap_AdditionsToNetNonPerformingAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="DeductionsFromNetNonPerformingAssets" id="in-gaap_DeductionsFromNetNonPerformingAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="MovementInProvisionsForNonPerformingAssetsPresentation" id="in-gaap_MovementInProvisionsForNonPerformingAssetsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ProvisionsForNonPerformingAssets" id="in-gaap_ProvisionsForNonPerformingAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element name="AdditionsToProvisionsForNonPerformingAssets" id="in-gaap_AdditionsToProvisionsForNonPerformingAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="DeductionsFromProvisionsForNonPerformingAssets" id="in-gaap_DeductionsFromProvisionsForNonPerformingAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="LoanAssetsSubjectedToRestructuringReschedulingRenegotiationPresentation" id="in-gaap_LoanAssetsSubjectedToRestructuringReschedulingRenegotiationPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AmountOfLoanAssetsSubjectedRestructuringReschedulingRenegotiation" id="in-gaap_AmountOfLoanAssetsSubjectedRestructuringReschedulingRenegotiation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AmountOfStandardAssetsSubjectedRestructuringReschedulingRenegotiation" id="in-gaap_AmountOfStandardAssetsSubjectedRestructuringReschedulingRenegotiation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AmountOfSubStandardAssetsSubjectedRestructuringReschedulingRenegotiation" id="in-gaap_AmountOfSubStandardAssetsSubjectedRestructuringReschedulingRenegotiation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AmountOfDoubtfulAssetsSubjectedRestructuringReschedulingRenegotiation" id="in-gaap_AmountOfDoubtfulAssetsSubjectedRestructuringReschedulingRenegotiation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NumberOfAccountsSubjectedRestructuringReschedulingRenegotiation" id="in-gaap_NumberOfAccountsSubjectedRestructuringReschedulingRenegotiation" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NumberOfStandardAccountsSubjectedRestructuringReschedulingRenegotiation" id="in-gaap_NumberOfStandardAccountsSubjectedRestructuringReschedulingRenegotiation" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NumberOfSubStandardAccountsSubjectedRestructuringReschedulingRenegotiation" id="in-gaap_NumberOfSubStandardAccountsSubjectedRestructuringReschedulingRenegotiation" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NumberOfDoubtfulAccountsSubjectedRestructuringReschedulingRenegotiation" id="in-gaap_NumberOfDoubtfulAccountsSubjectedRestructuringReschedulingRenegotiation" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="FinancialAssetsSoldToSecuritisationReconstructionCompanyForAssetReconstruction" id="in-gaap_FinancialAssetsSoldToSecuritisationReconstructionCompanyForAssetReconstruction" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AggregateValueOfAccountsSoldToSecuritizationReconstructionCompany" id="in-gaap_AggregateValueOfAccountsSoldToSecuritizationReconstructionCompany" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AggregateConsiderationReceivedForAccountsSoldToSecuritizationReconstructionCompany" id="in-gaap_AggregateConsiderationReceivedForAccountsSoldToSecuritizationReconstructionCompany" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdditionalConsiderationRealizedInRespectOfAccountsTransferredInEarlierYears" id="in-gaap_AdditionalConsiderationRealizedInRespectOfAccountsTransferredInEarlierYears" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AggregateGainLossOverNetBookValue" id="in-gaap_AggregateGainLossOverNetBookValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DetailsOfNonPerformingAssetPurchasedSold" id="in-gaap_DetailsOfNonPerformingAssetPurchasedSold" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DetailsOfNonPerformingFinancialAssetsPurchasedPresentation" id="in-gaap_DetailsOfNonPerformingFinancialAssetsPurchasedPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NumberOfNonPerformingAccountsPurchased" id="in-gaap_NumberOfNonPerformingAccountsPurchased" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AggregateOutstandingOfNonPerformingFinancialAssetsPurchased" id="in-gaap_AggregateOutstandingOfNonPerformingFinancialAssetsPurchased" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NumberOfNonPerformingAccountsRestructured" id="in-gaap_NumberOfNonPerformingAccountsRestructured" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AggregateOutstandingOfNonPerformingFinancialAssetsRestructured" id="in-gaap_AggregateOutstandingOfNonPerformingFinancialAssetsRestructured" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DetailsOfNonPerformingFinancialAssetsSoldPresentation" id="in-gaap_DetailsOfNonPerformingFinancialAssetsSoldPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NumberOfNonPerformingAccountsSold" id="in-gaap_NumberOfNonPerformingAccountsSold" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AggregateOutstandingOfNonPerformingFinancialAssetsSold" id="in-gaap_AggregateOutstandingOfNonPerformingFinancialAssetsSold" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AggregateConsiderationReceivedFromNonPerformingFinancialAssetsSold" id="in-gaap_AggregateConsiderationReceivedFromNonPerformingFinancialAssetsSold" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ProvisiononStandardAsset" id="in-gaap_ProvisiononStandardAsset" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element name="DisclosureBusinessRatiosPresentation" id="in-gaap_DisclosureBusinessRatiosPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="InterestIncomeAsPercentageToWorkingFunds" id="in-gaap_InterestIncomeAsPercentageToWorkingFunds" type="xbrli:pureItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NonInterestIncomeAsPercentageToWorkingFunds" id="in-gaap_NonInterestIncomeAsPercentageToWorkingFunds" type="xbrli:pureItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="OperatingProfitAsPercentageToWorkingFunds" id="in-gaap_OperatingProfitAsPercentageToWorkingFunds" type="xbrli:pureItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ReturnOnAssets" id="in-gaap_ReturnOnAssets" type="xbrli:pureItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="BusinessPerEmployee" id="in-gaap_BusinessPerEmployee" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ProfitPerEmployee" id="in-gaap_ProfitPerEmployee" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosureAssetLiabilityManagement" id="in-gaap_DisclosureAssetLiabilityManagement" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosureExposures" id="in-gaap_DisclosureExposures" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ExposureToRealEstateSector" id="in-gaap_ExposureToRealEstateSector" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DirectExposure" id="in-gaap_DirectExposure" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ResidentialMortgages" id="in-gaap_ResidentialMortgages" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="CommercialRealEstate" id="in-gaap_CommercialRealEstate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="IndirectExposure" id="in-gaap_IndirectExposure" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ResidentialMortgagesUnderPrescribedLimit" id="in-gaap_ResidentialMortgagesUnderPrescribedLimit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="InvestmentsInMortgageBackedSecuritiesAndOtherSecuritisedExposuresPresentation" id="in-gaap_InvestmentsInMortgageBackedSecuritiesAndOtherSecuritisedExposuresPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ResidentialMortgagesAbovePrescribedLimit" id="in-gaap_ResidentialMortgagesAbovePrescribedLimit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ResidentialInvestmentsInMortgageBackedSecuritiesandOtherSecuritisationExposure" id="in-gaap_ResidentialInvestmentsInMortgageBackedSecuritiesandOtherSecuritisationExposure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="CommercialRealEstateInMortgageBackedSecuritiesAndOtherSecuritisationExposure" id="in-gaap_CommercialRealEstateInMortgageBackedSecuritiesAndOtherSecuritisationExposure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="FundNonFundBasedIndirectExposure" id="in-gaap_FundNonFundBasedIndirectExposure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="FundBasedIndirectExposure" id="in-gaap_FundBasedIndirectExposure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="NonFundBasedIndirectExposure" id="in-gaap_NonFundBasedIndirectExposure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="ExposureToCapitalMarketPresentation" id="in-gaap_ExposureToCapitalMarketPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ExposureToCapitalMarket" id="in-gaap_ExposureToCapitalMarket" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="InvestmentsInEquityShares" id="in-gaap_InvestmentsInEquityShares" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="InvestmentsInBondsConvertibleDebentures" id="in-gaap_InvestmentsInBondsConvertibleDebentures" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="InvestmentsInUnitsOfEquityOrientedMutualFunds" id="in-gaap_InvestmentsInUnitsOfEquityOrientedMutualFunds" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdvancesAgainstSharesToIndividualsForInvestmentInEquitySharesBondsDebenturesAndUnitsOfEquityOrientedMutualFunds" id="in-gaap_AdvancesAgainstSharesToIndividualsForInvestmentInEquitySharesBondsDebenturesAndUnitsOfEquityOrientedMutualFunds" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdvancesForAnyOtherPurposeWhereSharesConvertibleBondsConvertibleDebenturesUnitsOfEquityOrientedMutualFundsAreTakenAsPrimarySecurity." id="in-gaap_AdvancesForAnyOtherPurposeWhereSharesConvertibleBondsConvertibleDebenturesUnitsOfEquityOrientedMutualFundsAreTakenAsPrimarySecurity." type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdvancesForAnyOtherPurposeWhereSharesOrConvertibleBondsOrConvertibleDebenturesOrUnitsOfEquityOrientedMutualFundsAreTakenAsCollateralSecurity" id="in-gaap_AdvancesForAnyOtherPurposeWhereSharesOrConvertibleBondsOrConvertibleDebenturesOrUnitsOfEquityOrientedMutualFundsAreTakenAsCollateralSecurity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="SecuredAndUnSecuredAdvancesToStockBrokersAndGuaranteesIssuedOnBehalfOfStockBrokersAndMarketMakers" id="in-gaap_SecuredAndUnSecuredAdvancesToStockBrokersAndGuaranteesIssuedOnBehalfOfStockBrokersAndMarketMakers" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="LoansSanctionedToCorporateAgainstTheSecurityOfSharesBondsDebenturesOtherSecuritiesOrOnCleanBasisForMeetingPromotersContributionToEquityOfNewCompaniesInAnticipationOfRaisingResources" id="in-gaap_LoansSanctionedToCorporateAgainstTheSecurityOfSharesBondsDebenturesOtherSecuritiesOrOnCleanBasisForMeetingPromotersContributionToEquityOfNewCompaniesInAnticipationOfRaisingResources" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="BridgeLoansToCompaniesAgainstExpectedEquityFlowsIissues" id="in-gaap_BridgeLoansToCompaniesAgainstExpectedEquityFlowsIissues" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="UnderwritingCommitmentsTakenUpByBankInRespectOfPrimaryIssueOfSharesOrConvertibleBondsOrConvertibleDebenturesOrUnitsOfEquityOrientedMmutualFund" id="in-gaap_UnderwritingCommitmentsTakenUpByBankInRespectOfPrimaryIssueOfSharesOrConvertibleBondsOrConvertibleDebenturesOrUnitsOfEquityOrientedMmutualFund" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="FinancingToStockBrokersForMarginTrading" id="in-gaap_FinancingToStockBrokersForMarginTrading" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ExposuresToVentureCapitalFunds" id="in-gaap_ExposuresToVentureCapitalFunds" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ExposureToCountryRisk" id="in-gaap_ExposureToCountryRisk" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ExposureNet" id="in-gaap_ExposureNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="ProvisionHeldAgainstCountryExposure" id="in-gaap_ProvisionHeldAgainstCountryExposure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="MiscellaneousDisclosures" id="in-gaap_MiscellaneousDisclosures" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosureOfPenaltiesImposedByRBI" id="in-gaap_DisclosureOfPenaltiesImposedByRBI" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosurePriorPeriodItems" id="in-gaap_DisclosurePriorPeriodItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosureExtraordinaryItems" id="in-gaap_DisclosureExtraordinaryItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosuresRelatingToConsolidatedFinancialStatements" id="in-gaap_DisclosuresRelatingToConsolidatedFinancialStatements" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosuresRelatingtoRelatedParties" id="in-gaap_DisclosuresRelatingtoRelatedParties" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="AdditionalDisclosure" id="in-gaap_AdditionalDisclosure" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosureOfProvisionsAndContingenciesPresentation" id="in-gaap_DisclosureOfProvisionsAndContingenciesPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ProvisionsForDepreciationOnInvestment" id="in-gaap_ProvisionsForDepreciationOnInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ProvisionTowardsNonPerformingAssets" id="in-gaap_ProvisionTowardsNonPerformingAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ProvisionsTowardsStandardAssets" id="in-gaap_ProvisionsTowardsStandardAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="OtherProvisionAndContingencies" id="in-gaap_OtherProvisionAndContingencies" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ProvisionOnLoanLosses" id="in-gaap_ProvisionOnLoanLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosureOnFloatingProvisionPresentation" id="in-gaap_DisclosureOnFloatingProvisionPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="FloatingProvision" id="in-gaap_FloatingProvision" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="AdditionsToFloatingProvisionsMadeDuringTheYear" id="in-gaap_AdditionsToFloatingProvisionsMadeDuringTheYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DeductionsFromFloatingProvisionsMadeDuringTheYear" id="in-gaap_DeductionsFromFloatingProvisionsMadeDuringTheYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosureOnDrawDownOfReserves" id="in-gaap_DisclosureOnDrawDownOfReserves" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosureOfComplaintsPresentation" id="in-gaap_DisclosureOfComplaintsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="StatusOfCustomersComplaintPresentation" id="in-gaap_StatusOfCustomersComplaintPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NumberOfComplaintsPending" id="in-gaap_NumberOfComplaintsPending" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="NumberOfCasesReferredToBankingOmbudsmanDuringTheYear" id="in-gaap_NumberOfCasesReferredToBankingOmbudsmanDuringTheYear" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NumberOfCasesDisposedOffDuringTheYear" id="in-gaap_NumberOfCasesDisposedOffDuringTheYear" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="StatusOfAwardsPassedByTheBankingOmbudsmanPresentation" id="in-gaap_StatusOfAwardsPassedByTheBankingOmbudsmanPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NumberOfUnimplementedAwards" id="in-gaap_NumberOfUnimplementedAwards" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="NumberOfAwardsPassedByTheBankingOmbudsmanDuringTheYear" id="in-gaap_NumberOfAwardsPassedByTheBankingOmbudsmanDuringTheYear" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NumberOfAwardsImplementedDuringTheYear" id="in-gaap_NumberOfAwardsImplementedDuringTheYear" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosureOfLetterOfComfortsIssuedByBanks" id="in-gaap_DisclosureOfLetterOfComfortsIssuedByBanks" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NumberOfAccountsSubjectToRestructuringPresentation" id="in-gaap_NumberOfAccountsSubjectToRestructuringPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="InvestmentsInEquitySharesConvertibleBondsDebenturesMutualFunds" id="in-gaap_InvestmentsInEquitySharesConvertibleBondsDebenturesMutualFunds" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DetailsOfSingleBorrowerGroupBorrowerLimitExceededByBank" id="in-gaap_DetailsOfSingleBorrowerGroupBorrowerLimitExceededByBank" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NameOfBorrower" id="in-gaap_NameOfBorrower" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ExposureLimitBorrower" id="in-gaap_ExposureLimitBorrower" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="LimitSanctionedBorrower" id="in-gaap_LimitSanctionedBorrower" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="AmountOutstandingBorrower" id="in-gaap_AmountOutstandingBorrower" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="DisclosureLoansSubjectedToRestructuring" id="in-gaap_DisclosureLoansSubjectedToRestructuring" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ProvisionForDepreciationPresentation" id="in-gaap_ProvisionForDepreciationPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="GrossValueOfInvestmentsPresentation" id="in-gaap_GrossValueOfInvestmentsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NetValueOfInvestmentPresentation" id="in-gaap_NetValueOfInvestmentPresentation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="InterestAndOperatingExpenditurePresentation" id="in-gaap_InterestAndOperatingExpenditurePresentation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="OtherOperatingExpenses" id="in-gaap_OtherOperatingExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="OperatingProfitBeforeProvisionsContingencies" id="in-gaap_OperatingProfitBeforeProvisionsContingencies" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="ProvisionsContingenciesExcludingProvisionTaxation" id="in-gaap_ProvisionsContingenciesExcludingProvisionTaxation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element name="PercentageSharesHeldGovernmentOfIndia" id="in-gaap_PercentageSharesHeldGovernmentOfIndia" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="AnalyticalRatiosPresentation" id="in-gaap_AnalyticalRatiosPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="EarningsPerSharePresentation" id="in-gaap_EarningsPerSharePresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NonPerformingAssetRatiosPresentation" id="in-gaap_NonPerformingAssetRatiosPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="PublicShareholdingPresentation" id="in-gaap_PublicShareholdingPresentation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="ExplanatoryNotesQuarterlyResultsPresentation" id="in-gaap_ExplanatoryNotesQuarterlyResultsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="PromotersAndPromoterGroupShareholdingsPresentation" id="in-gaap_PromotersAndPromoterGroupShareholdingsPresentation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="NumberOfSharesHeldByPromotersPledgedEncumbered" id="in-gaap_NumberOfSharesHeldByPromotersPledgedEncumbered" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="NumberOfSharesHeldByPromotersNonEncumbered" id="in-gaap_NumberOfSharesHeldByPromotersNonEncumbered" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="DisclosureOfVariationInQuarterlyResults" id="in-gaap_DisclosureOfVariationInQuarterlyResults" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="PercentageOfSharesOfTotalShareholdingOfPromotersPledgedEncumbered" id="in-gaap_PercentageOfSharesOfTotalShareholdingOfPromotersPledgedEncumbered" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="PercentageOfSharesOfTotalShareholdingOfPromotersNonEncumbered" id="in-gaap_PercentageOfSharesOfTotalShareholdingOfPromotersNonEncumbered" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="DisclosureOfVariationInNetProfitLoss" id="in-gaap_DisclosureOfVariationInNetProfitLoss" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosureOfVariationInExceptionalAndExtraordinaryItems" id="in-gaap_DisclosureOfVariationInExceptionalAndExtraordinaryItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="PercentageOfSharesOfTotalShareCapitalPledgedEncumbered" id="in-gaap_PercentageOfSharesOfTotalShareCapitalPledgedEncumbered" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="DisclosureRegardingAuditorsQualificationsAndOtherReservations" id="in-gaap_DisclosureRegardingAuditorsQualificationsAndOtherReservations" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosuresRegardingChangeInNameOfBusiness" id="in-gaap_DisclosuresRegardingChangeInNameOfBusiness" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosuresRegardingNoncommencementOfCommercialOperations" id="in-gaap_DisclosuresRegardingNoncommencementOfCommercialOperations" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosuresOfMaterialTransactionsAndEventsHavingImpactOnResults" id="in-gaap_DisclosuresOfMaterialTransactionsAndEventsHavingImpactOnResults" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="PercentageOfSharesOfTotalShareCapitalNonEncumbered" id="in-gaap_PercentageOfSharesOfTotalShareCapitalNonEncumbered" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="DisclosuresRelatingToDividends" id="in-gaap_DisclosuresRelatingToDividends" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="NumberOfSharesHeldByPublic" id="in-gaap_NumberOfSharesHeldByPublic" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="PercentageOfSharesHeldByPublic" id="in-gaap_PercentageOfSharesHeldByPublic" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xs:element name="DisclosuresRegardingInvestorComplaints" id="in-gaap_DisclosuresRegardingInvestorComplaints" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="Clause41RequirementsPresentation" id="in-gaap_Clause41RequirementsPresentation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="OperationalResultsPresentation" id="in-gaap_OperationalResultsPresentation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosuresOfSubsidiaries" id="in-gaap_DisclosuresOfSubsidiaries" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosuresInvestmentInAssociates" id="in-gaap_DisclosuresInvestmentInAssociates" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosuresInvestmentInJointVentures" id="in-gaap_DisclosuresInvestmentInJointVentures" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="DisclosuresRelatingToSegments" id="in-gaap_DisclosuresRelatingToSegments" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration"/>
  <xs:element name="TaxEffectOnExtraordinaryItems" id="in-gaap_TaxEffectOnExtraordinaryItems" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
</xs:schema>

