For the full year,net profit declined 9.53% to Rs 431.78 crore in the year ended March 2020 as against Rs 477.24 crore during the previous year ended March 2019. Total Operating Income rose 9.63% to Rs 6474.77 crore in the year ended March 2020 as against Rs 5905.96 crore during the previous year ended March 2019.