GNPA at 3.1% and Net NPA at 0.9% in Q1 FY27
FinTech BizNews Service
Mumbai, July 21, 2026: The Board of Directors of Bandhan Bank Limited approved the Bank’s financial results for the quarter ended June 30, 2026, at its meeting held in Kolkata on Tuesday, July 21, 2026. The statutory auditors have reviewed the financial statements for the quarter ended June 30, 2026.
FINANCIAL RESULTS
Deposits
As of June 30, 2026, total deposits stood at Rs.1.65 lakh crore as against Rs.1.55 lakh crore in the previous year – a growth of 7% YoY.
In Q1 FY27, CASA Deposits stood at Rs.48,479 crore and CASA Ratio stood above 29%, CASA + Retail TD to total deposit ratio stands at 74%
Advances
As of June 30, 2026, Gross Advances stood at Rs.1.56 lakh crore as against Rs.1.34 lakh crore in the previous year – a growth of 16% YoY.
On a YoY basis, Retail book (other than housing) grew 45%, Wholesale Banking grew 38%, and the Housing book showed a growth of 6%.
Asset Quality
The collection efficiency for EEB loans was flat at 98.5% for Q1 FY27
Q1 FY27 Net NPA stood at 0.9% and Gross NPA at 3.1%, down from 3.3% and 1.0% in Q4 FY26
Provision Coverage Ratio (Including Technical Write-offs) as of June 30, 2026, is 85.9%.
Financials for the quarter ended June 30, 2026
The Bank’s net revenue as of Q1 FY27 was Rs.3,524 crore as compared to Rs. 3,483 crore in Q1 FY26; a growth of 1.2% YoY.
Net interest income (NII) as of Q1 FY27, stood at Rs.2,921 crore compared to Rs. 2,757 crore as of Q1 FY26, representing a growth of 5.9% YoY.
Net Interest Margin (NIM) for the quarter was at 6.2% in Q1 FY27, flat sequentially
The provisions (other than tax) & contingencies charged to the Profit and Loss for Q1 FY27 were at Rs.683 crore, lower 40% YoY
The profit after tax for the quarter ended June 30, 2026, stood at Rs.502 crore compared to Rs 372 crore, registering a growth of 35% YoY.
The Bank’s RoA stood at 1.0% and RoE at 7.7% for Q1 FY27
Distribution Network
The Bank’s distribution network spans nearly 6,400 outlets. The Bank currently has more than 74,500 employees
Speaking on the Bank’s performance, MD & CEO, Partha Pratim Sengupta said, "Our Q1 FY2026-27 performance reflects the resilience of Bandhan Bank’s franchise, the commitment of our teams, and the trust our stakeholders continue to place in us. As we build on this momentum, we remain focused on delivering customer-centric and digitally enabled growth. By strengthening our distribution network, expanding our product offerings, and harnessing data-driven insights, we are well positioned to create greater value for our customers and stakeholders while driving sustainable, balanced, and future-ready growth."
Key Highlights of Quarterly Performance | |||
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| Rs in crore |
Particulars | Q1 FY27 | Q1 FY26 | YoY Growth |
Advances | 1,55,555 | 1,33,625 | 16.4% |
Deposits | 1,64,886 | 1,54,666 | 6.6% |
CASA | 48,479 | 41,858 | 15.8% |
Retail Deposits (CASA + RTD) | 1,21,956 | 1,05,519 | 15.6% |
Net Interest Income | 2,921 | 2,757 | 5.9% |
Net Total Income | 3,524 | 3,483 | 1.2% |
Net Profit | 502 | 372 | 34.9% |
Gross NPA (%) | 3.1% | 5.0% | -182 bps |
Net NPA (%) | 0.9% | 1.4% | -43 bps |
CRAR* (Including Profits) | 18.2% | 19.4% | -114 bps |
