Unaudited Financial Figures for the Quarter ended June 30, 2026.
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 03 Jul 2026, 07:41 PM IST · BSE ID: ed7ee708-b614-41bc-bb9a-a646fc287c4b
View Original BSE Filing (PDF)
💡
In Simple Terms
Bandhan Bank's loans grew to ₹1,55,513 Crore, and customer deposits increased to ₹1,64,886 Crore in the last quarter.
🤖 AI Summary
- Loans & Advances (On book + PTC) reached ₹1,55,513 Crore for Q1 FY27, growing 16.4% YoY.
- Total Deposits stood at ₹1,64,886 Crore as of June 30, 2026, marking a 6.6% YoY increase.
- CASA Deposits were ₹48,478 Crore, reflecting a 15.8% YoY growth and a CASA Ratio of 29.40%.
- Retail Deposits (incl CASA) increased by 15.6% YoY to ₹1,21,956 Crore in the quarter.
- LCR as of June 30, 2026, was approximately 146.65%; Pan Bank Collection Efficiency was 98.9%.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Loans & Advances (On book + PTC)
₹1,55,513 Crore
16.4%
Total Deposits
₹1,64,886 Crore
6.6%
CASA Deposits
₹48,478 Crore
15.8%
Retail Deposits (incl CASA)
₹1,21,956 Crore
15.6%
Pan Bank Collection Efficiency
98.9%
🏢 How This Affects the Company
The bank's on-book and PTC advances grew by 16.4% year-on-year, indicating continued loan book expansion. Retail deposits, including CASA, also showed robust growth, suggesting a strengthening retail customer base.
Growth in loans and advances supports interest income generation, while deposit growth provides stable funding. The improved CASA Ratio to 29.40% and a high LCR of approximately 146.65% enhance funding stability and liquidity.
The 12.7% YoY decline in Bulk Deposits and a 2.0% QoQ decrease suggests a strategic shift towards retail funding, which can reduce reliance on volatile wholesale funds. Collection efficiency remained stable at 98.9% Pan Bank.
👥 What This Means For Shareholders
✅
Action Required
No specific action is required from shareholders based on this unaudited financial update.
👤
Who Is Affected
Shareholders are indirectly affected by the bank's operational performance, as reflected by the growth in Loans & Advances and Deposits, contributing to the bank's financial health.
🔍
Management Signal
The focus on retail deposits, evidenced by a 15.6% YoY growth in Retail Deposits and a declining share of Bulk Deposits, signals management's strategy towards a more stable and cost-effective funding base.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Board meeting date for Q1 FY27 audited financial results announcement.
Full Q1 FY27 audited results for detailed profit and loss figures.
Any further updates on asset quality and NPA trends in subsequent disclosures.
LOW RISK
The filing indicates stable growth in key metrics, with consistent collection efficiency.
💡 Investor Takeaway
Bandhan Bank reported unaudited Loans & Advances (On book + PTC) of ₹1,55,513 Crore for Q1 FY27, up 16.4% YoY. Total Deposits reached ₹1,64,886 Crore, growing 6.6% YoY. The CASA Ratio improved to 29.40% with an LCR of approximately 146.65% as of June 30, 2026.
⚖️ Strengths & Concerns
✅ Positives
- Loans & Advances (On book + PTC) increased to ₹1,55,513 Crore, representing a 16.4% YoY growth for the quarter ended June 30, 2026.
- CASA Ratio improved to 29.40% from 27.06% YoY, alongside a 15.8% YoY increase in CASA Deposits to ₹48,478 Crore.
⚠️ Concerns
- Total Deposits experienced a -0.9% QoQ decline to ₹1,64,886 Crore, alongside a -0.6% QoQ fall in CASA Deposits to ₹48,478 Crore.
- Bulk Deposits decreased by -12.7% YoY and -2.0% QoQ, falling to ₹42,930 Crore for the quarter ended June 30, 2026.
📅 Company Track Record
Bandhan Bank's Q4 FY26 audited results showed PAT of ₹5.3 billion (+68% YoY) and gross advances of ₹1,542.3 billion (+12.6%). FY26 PAT was ₹1,22,356.27 lakhs (down 55.4% YoY), with a dividend of ₹1.50/share approved and NPA ratio improved to 3.27%.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What were Bandhan Bank's Loans & Advances in Q1 FY27?
Bandhan Bank's unaudited Loans & Advances (On book + PTC) for the quarter ended June 30, 2026, stood at ₹1,55,513 Crore.
How much did Bandhan Bank's Total Deposits grow year-on-year in Q1 FY27?
Total Deposits for Bandhan Bank as of June 30, 2026, were ₹1,64,886 Crore, representing a 6.6% year-on-year growth.
What was Bandhan Bank's CASA Ratio in Q1 FY27?
Bandhan Bank's CASA Ratio as of June 30, 2026, was 29.40%, with CASA Deposits at ₹48,478 Crore, up 15.8% YoY.
What was the Pan Bank Collection Efficiency for Bandhan Bank in June 2026?
The Pan Bank Collection Efficiency (Excluding NPA) for Bandhan Bank as of June 30, 2026, was approximately 98.9%.
Questions based on this BSE filing only. For information purposes.