Q2 FY27 GNPA at 3.1% vs 5% in Q2 FY26 and QFY27 net NPA at 0.9% vs 1.4% in Q2 FY26
FinTech BizNews Service
Mumbai, 28 October, 2026: The Board of Directors of Bandhan Bank Limited approved the Bank’s financial results for the quarter and six months ended Sept 30, 2026, at its meeting held in Kolkata on Wednesday, October 28, 2026.
FINANCIAL RESULTS
Advances
As of Sept 30, 2026, Gross Advances stood at Rs.1.58 lakh crore as against Rs.1.40 lakh crore in the previous year – a growth of 13% YoY
Secured Advances grew by 18% YoY and is now above 57% of the total advances as of Q2FY27 as compared to 55% a year ago.
On a YoY basis, Retail book (other than housing) grew 42%, Wholesale Banking grew 32%, Housing book showed a growth of 4%, while the EEB book registered a growth of 2% YoY.
Deposits
As of Sept 30, 2026, total deposits stood at Rs.1.73 lakh crore as against Rs.1.58 lakh crore in the previous year – a growth of 9% YoY.
CASA Deposits stood at Rs.46,132 crore and CASA Ratio stood at 27%.
CASA + Retail Term Deposits to total deposit ratio stands at 73%.
Asset Quality
The collection efficiency for EEB loans was higher at 99.3% for Q2 FY27.
The Bank has seen sequential improvement in the SMA 0, SMA 1 and SMA 2 buckets for EEB portfolio.
The bank's Gross Non-Performing Assets (GNPA) stands flat at 3.1% in Q2 FY27, net NPA at 0.9% same as in previous quarter.
Provision Coverage Ratio including write-offs as of Sept 30, 2026, is 86.7%.
Financials for the quarter ended Sept 30, 2026
Net interest income (NII) as of Q2 FY27, stood at Rs.2,960 crore compared to Rs.2,589 crore as of Q2 FY26, up 14%
The Bank’s net total income as of Q2 FY27 was Rs.3,665 crore as compared to Rs.3,135 crore in Q2 FY26, a growth of 17%
Operating Profit was Rs.1,556 crore in Q2 FY27 compared to Rs.1,310 crore in Q2 FY26
The provisions (other than tax) & contingencies charged to the Profit and Loss for Q2 FY27 were at Rs.718 crore compared to Rs.1,153 crore in Q2 FY26
The profit after tax for Q2 FY27, stood at Rs.622 crore compared to Rs.112 crore in Q2 FY26
Financials for the Half Year ended Sept 30, 2026
Net interest income (NII) as of H1 FY27, stood at Rs.5,881 crore compared to Rs.5,346 crore as of H1 FY26
The Bank’s net total income as of H1 FY27 was Rs.7,190 crore as compared to Rs.6,618 crore in H1 FY26
Operating Profit was Rs.2,915 crore in H1 FY27 compared to Rs.2,979 crore in H1 FY26.
The provisions (other than tax) & contingencies charged to the Profit and Loss for H1 FY27 were at Rs.1,400 crore compared to Rs.2,299 crore in H1 FY26
The profit after tax for the six months ended September 30, 2026, stood at Rs.1,123 crore compared to Rs.484 crore in H1 FY 26.
Net Interest Margin (NIM) for the half year FY27 stands at 6.2%.
The Bank’s RoA stood at 1.1% and RoE at 8.5% for the half year (annualised basis)
Capital Adequacy
As of Sept 30, 2026, the Bank’s capital adequacy ratio stood at 18.3% as against a regulatory requirement of 11.5%.
Speaking on the Bank’s performance, MD & CEO, Partha Pratim Sengupta said: "Our performance in Q2 FY26-27 reflects our focus on maintaining healthy business growth, accelerating deposit mobilisation, improving the composition of our loan portfolio, protecting asset quality and steadily strengthening profitability. We are making steady and significant improvement over the quarters in operating profit and PAT. We will continue to focus on strengthening our retail franchise, deepening customer relationships, and delivering long-term value to all stakeholders."
Performance - Key Highlights | ||||||
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| Rs in crore |
Particulars | Q2 FY27 | Q2 FY26 | YoY Growth | H1 FY27 | H1 FY26 | YoY Growth |
Advances | 1,58,369 | 1,40,041 | 13% | 1,58,369 | 1,40,041 | 13% |
Deposits | 1,72,688 | 1,58,075 | 9% | 1,72,688 | 1,58,075 | 9% |
Net Interest Income | 2,960 | 2,589 | 14% | 5,881 | 5,346 | 10% |
Net Total Income | 3,665 | 3,135 | 17% | 7,190 | 6,618 | 9% |
Operating Profit | 1,556 | 1,310 | 19% | 2,915 | 2,979 | -2% |
Net Profit | 622 | 112 | 456% | 1,123 | 484 | 132% |
Gross NPA Ratio | 3.1% | 5.0% | NA | 3.1% | 5.0% | NA |
Net NPA Ratio | 0.9% | 1.4% | NA | 0.9% | 1.4% | NA |
Distribution Network
The Bank’s distribution network spans over 6,400 Banking outlets The Bank currently have over 75,000 employees
