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19. Cash and bank balances

Cash and cash equivalents

	As of
	31 March 2025 $m	31 March 2024 $m
Balances with banks
– On current accounts	269	190
– Bank deposits with original maturity of three months or less	116	311
– On settlement accounts	8	2
Balance held in wallets	156	111
Remittance in transit	2	5
Cash on hand	1	1
	552	620

Other bank balances

	As of
	31 March 2025 $m	31 March 2024 $m
1 Margin money deposits represent amount given as collateral for legal cases and/or bank guarantees for disputed matters.
Term deposits with banks with original maturity of more than three months but less than 12 months	76	344
Margin money deposits¹	5	9
Unpaid dividend	0	0
	81	353

For the purpose of the statement of cash flows, cash and cash equivalents are as follows:

	As of
	31 March 2025 $m	31 March 2024 $m
Cash and cash equivalents as per statement of financial position	552	620
Balance held under mobile money trust	952	737
Bank overdraft	(444)	(457)
	1,060	900