For the full year,net profit declined 30.25% to Rs 476.32 crore in the year ended March 2020 as against Rs 682.85 crore during the previous year ended March 2019. Total Operating Income rose 10.66% to Rs 4168.60 crore in the year ended March 2020 as against Rs 3767.17 crore during the previous year ended March 2019.