Bandhan Bank Ltd.
BANDHANBNKFinancial Services filings
We hold this company’s filings and have not read the financial statements out of them yet. Every filing on record is listed under filings, and each one opens.
Earnings calls
21 transcript(s)/analyst meet(s) served; 1 document(s) on file are not transcripts (cover letters, duplicates, unresolved) and are excluded. Speaker attribution is shown only where the segmenter attributes ≥ 95% of sentences to management or analysts (0 of 21 documents here); elsewhere sentences render unattributed.
| Kind | Date | Period | Served | Attribution rate |
|---|---|---|---|---|
| TRANSCRIPT | 20190119 | 2018-12-31 | yes | |
| TRANSCRIPT | 20190508 | 2019-03-31 | yes | |
| TRANSCRIPT | 20190801 | 2019-06-30 | yes | |
| COVER_LETTER | 20201031 | 2020-09-30 | no | |
| TRANSCRIPT | 20210127 | 2020-12-31 | yes | |
| TRANSCRIPT | 20220519 | 2022-03-31 | yes | |
| TRANSCRIPT | 20220727 | 2022-06-30 | yes | |
| TRANSCRIPT | 20221031 | 2022-09-30 | yes | |
| TRANSCRIPT | 20230124 | 2022-12-31 | yes | |
| TRANSCRIPT | 20230524 | 2023-03-31 | yes | |
| TRANSCRIPT | 20230718 | 2023-06-30 | yes | |
| TRANSCRIPT | 20240521 | 2024-03-31 | yes | |
| TRANSCRIPT | 20240731 | 2024-06-30 | yes | |
| TRANSCRIPT | 20241029 | 2024-09-30 | yes | |
| TRANSCRIPT | 20250204 | 2024-12-31 | yes | |
| TRANSCRIPT | 20250507 | 2025-03-31 | yes | |
| TRANSCRIPT | 20250725 | 2025-06-30 | yes | |
| TRANSCRIPT | 20251106 | 2025-09-30 | yes | |
| TRANSCRIPT | 20260128 | 2025-12-31 | yes | |
| TRANSCRIPT | 20260505 | 2026-03-31 | yes | |
| TRANSCRIPT | 20260727 | 2026-06-30 | yes |
BANDHANBNK
files the banking form. Every figure below opens to the filing it was read from; where a figure is not shown, the reason is printed in its place.
Identity
| Statement division | banking |
| Scope served | standalone |
| Panels on this page | 5 |
Market
No split, bonus or consolidation is on record for this company inside the period this price series covers, so the closes need no adjustment.
| Last close | 182.90 |
| 52-week range | 135.47 – 216.74 |
| Return 1M | 5.42% |
| Return 3M | -9.35% |
| Return 1Y | 15.42% |
| Return 3Y | -27.69% |
| Return 5Y | -35.16% |
| Market capitalisation | not shown — we could not confirm it |
| Shares outstanding | not shown — we could not confirm it |
| P/E | not shown — we could not confirm it |
| P/B | not shown — we could not confirm it |
| EV/EBITDA | not shown — we could not confirm it |
Latest quarter filed — period ending 2026-06-30
In INR crore except per-share figures. `period_id` is the period the filing names for the number; the date beside each cell is when it was filed.
| Interest earned | 5,631.00 |
| Interest on advances and bills | 4,944.00 |
| Income on investments | 610.00 |
| Interest on balances with the RBI and interbank funds | 16.00 |
| Other interest | 60.00 |
| Interest expended | 2,710.00 |
| Other income | 604.00 |
| Total income | 6,234.00 |
Ownership — 2026-06-30, and the change from 2026-03-31
| Holder | Per cent | Change |
|---|---|---|
| promoter and promoter group | 0.38 | -0.01 |
| institutions foreign | 0.19 | -0.03 |
| institutions domestic | 0.27 | 0.05 |
| mutual funds | 0.20 | 0.04 |
| public | 0.62 | 0.01 |
Documents on file
| Class | Most recent | On file |
|---|---|---|
| COVER_LETTER | 2020-09-30 | 1 |
| TRANSCRIPT | 2026-06-30 | 20 |
Financial statements
Filed results, standalone, in INR crore except per-share figures. Every figure opens to the filing it was read from. Quarterly and annual columns are the periods the filing itself names, never a document date.
Cash flow, as filed
| Line | 2024-03-31 | 2024-09-30 | 2025-03-31 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|
| Net cash from operating activities | 14,808.00 | 4,077.00 | 2,752.00 | -1,589.00 | 1,143.00 |
| Net cash from investing activities | 1,691.00 | -600.00 | -3,879.00 | 1,627.00 | 317.00 |
| Net cash from financing activities | -8,579.00 | -8,306.00 | -5,475.00 | -3,262.00 | 2,923.00 |
| Purchase of property, plant and equipment | 557.00 | 134.00 | 288.00 | 161.00 | 529.00 |
| Net increase in cash | 7,921.00 | -4,830.00 | -6,601.00 | -3,224.00 | 4,382.00 |
| con:CFO.BEFORE_TAX | 15,938.00 | 4,641.00 | 3,264.00 | -1,300.00 | 1,808.00 |
| con:INTEREST_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | -13.00 |
| con:INTEREST_PAID.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:DIVIDENDS_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:TAX_PAID.OPERATING | 1,129.00 | 564.00 | 511.00 | 289.00 | 653.00 |
| con:CF_OTHER.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INVESTMENTS_PURCHASED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INVESTMENTS_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:PPE_DISPOSALS | 1.00 | 1.00 | 2.00 | 1.00 | 2.00 |
| con:CF_INVESTING.SUBSIDIARIES_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.SUBSIDIARIES_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Quarterly results, as filed
| Line | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest earned | 4,665.00 | 5,189.00 | 5,536.00 | 5,500.00 | 5,479.00 | 5,434.00 | 5,476.00 | 5,354.00 | 5,431.00 | 5,428.00 | 5,631.00 |
| Interest on advances and bills | 4,083.00 | 4,629.00 | 4,870.00 | 4,882.00 | 4,852.00 | 4,764.00 | 4,732.00 | 4,475.00 | 4,685.00 | 4,654.00 | 4,944.00 |
| Income on investments | 492.00 | 474.00 | 532.00 | 519.00 | 548.00 | 582.00 | 659.00 | 694.00 | 683.00 | 601.00 | 610.00 |
| Interest on balances with the RBI and interbank funds | 18.00 | 22.00 | 42.00 | 30.00 | 16.00 | 9.00 | 17.00 | 22.00 | 11.00 | 31.00 | 16.00 |
| Other interest | 72.00 | 63.00 | 92.00 | 69.00 | 62.00 | 79.00 | 68.00 | 162.00 | 52.00 | 141.00 | 60.00 |
| Interest expended | 2,140.00 | 2,323.00 | 2,531.00 | 2,552.00 | 2,648.00 | 2,678.00 | 2,718.00 | 2,765.00 | 2,743.00 | 2,633.00 | 2,710.00 |
| Other income | 545.00 | 694.00 | 528.00 | 595.00 | 1,096.00 | 700.00 | 726.00 | 546.00 | 691.00 | 771.00 | 604.00 |
| Total income | 5,211.00 | 5,883.00 | 6,063.00 | 6,095.00 | 6,575.00 | 6,133.00 | 6,201.00 | 5,900.00 | 6,122.00 | 6,199.00 | 6,234.00 |
| Employee benefit expense | 899.00 | 970.00 | 1,005.00 | 1,044.00 | 1,227.00 | 1,084.00 | 1,124.00 | 1,077.00 | 1,133.00 | 1,158.00 | 1,358.00 |
| Operating expenses | 1,415.00 | 1,722.00 | 1,592.00 | 1,688.00 | 1,905.00 | 1,884.00 | 1,815.00 | 1,825.00 | 1,934.00 | 2,125.00 | 2,166.00 |
| Expenditure excluding provisions and contingencies | 3,555.00 | 4,045.00 | 4,122.00 | 4,239.00 | 4,553.00 | 4,562.00 | 4,533.00 | 4,590.00 | 4,677.00 | 4,758.00 | 4,876.00 |
| Operating profit before provisions | 1,655.00 | 1,838.00 | 1,941.00 | 1,855.00 | 2,021.00 | 1,571.00 | 1,668.00 | 1,310.00 | 1,445.00 | 1,441.00 | 1,358.00 |
| Provisions and contingencies | 684.00 | 1,774.00 | 523.00 | 606.00 | 1,376.00 | 1,260.00 | 1,147.00 | 1,153.00 | 1,155.00 | 677.00 | 683.00 |
| Exceptional items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 971.00 | 64.00 | 1,418.00 | 1,249.00 | 645.00 | 311.00 | 521.00 | 158.00 | 290.00 | 764.00 | 676.00 |
| Tax expense | 239.00 | 10.00 | 354.00 | 311.00 | 219.00 | -7.00 | 150.00 | 46.00 | 85.00 | 230.00 | 174.00 |
| Profit for the period | 733.00 | 55.00 | 1,063.00 | 937.00 | 426.00 | 318.00 | 372.00 | 112.00 | 206.00 | 534.00 | 502.00 |
| Profit attributable to owners | 733.00 | 55.00 | 1,063.00 | 937.00 | 426.00 | 318.00 | 372.00 | 112.00 | 206.00 | 534.00 | 502.00 |
| Earnings per share, basic | 4.55 | 0.34 | 6.60 | 5.82 | 2.65 | 1.97 | 2.31 | 0.69 | 1.28 | 3.32 | 3.11 |
| Earnings per share, diluted | 4.55 | 0.34 | 6.60 | 5.82 | 2.65 | 1.97 | 2.31 | 0.69 | 1.28 | 3.31 | 3.11 |
Annual results, as filed
| Line | 2024-03-31 | 2025-03-31 | 2026-03-31 |
|---|---|---|---|
| Interest earned | 18,870.00 | 21,948.00 | 21,689.00 |
| Interest on advances and bills | 16,506.00 | 19,367.00 | 18,547.00 |
| Income on investments | 2,014.00 | 2,182.00 | 2,637.00 |
| Interest on balances with the RBI and interbank funds | 78.00 | 97.00 | 82.00 |
| Other interest | 272.00 | 302.00 | 423.00 |
| Interest expended | 8,544.00 | 10,458.00 | 10,859.00 |
| Other income | 2,165.00 | 2,967.00 | 2,734.00 |
| Total income | 21,034.00 | 24,915.00 | 24,423.00 |
| Employee benefit expense | 3,543.00 | 4,361.00 | 4,493.00 |
| Operating expenses | 5,851.00 | 7,068.00 | 7,699.00 |
| Expenditure excluding provisions and contingencies | 14,395.00 | 17,526.00 | 18,558.00 |
| Operating profit before provisions | 6,639.00 | 7,389.00 | 5,865.00 |
| Provisions and contingencies | 3,697.00 | 3,765.00 | 4,131.00 |
| Profit before exceptional items and tax | — | 3,623.00 | 1,734.00 |
| Exceptional items | 0.00 | 0.00 | 0.00 |
| Profit before tax | 2,943.00 | 3,623.00 | 1,734.00 |
| Tax expense | 713.00 | 878.00 | 510.00 |
| Profit for the period | 2,230.00 | 2,745.00 | 1,224.00 |
| Profit attributable to owners | 2,230.00 | 2,745.00 | 1,224.00 |
| Earnings per share, basic | 13.84 | 17.04 | 7.60 |
| Earnings per share, diluted | 13.84 | 17.04 | 7.59 |
Balance sheet, as filed
| Line | 2024-03-31 | 2024-09-30 | 2025-03-31 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|
| Capital | 1,611.00 | 1,611.00 | 1,611.00 | 1,611.00 | 1,611.00 |
| Reserves and surplus | 19,999.00 | 22,104.00 | 22,994.00 | 23,259.00 | 23,964.00 |
| Deposits | 135,202.00 | 142,510.00 | 151,212.00 | 158,075.00 | 166,344.00 |
| Borrowings | 16,372.00 | 8,307.00 | 11,138.00 | 8,118.00 | 14,303.00 |
| Other liabilities and provisions | 4,659.00 | 5,237.00 | 4,520.00 | 3,948.00 | 4,902.00 |
| Total equity and liabilities | 177,842.00 | 179,768.00 | 191,476.00 | 195,011.00 | 211,124.00 |
| Cash and balances with the RBI | 15,393.00 | 10,160.00 | 7,477.00 | 5,330.00 | 13,127.00 |
| Balances with banks and money at call | 778.00 | 1,181.00 | 2,092.00 | 1,015.00 | 824.00 |
| Investments | 29,288.00 | 30,847.00 | 40,712.00 | 45,672.00 | 38,668.00 |
| Advances | 121,137.00 | 126,056.00 | 131,987.00 | 134,593.00 | 150,104.00 |
| Property, plant and equipment | 1,173.00 | 1,171.00 | 1,180.00 | 1,197.00 | 1,401.00 |
| Other assets | 10,073.00 | 10,354.00 | 8,027.00 | 7,204.00 | 6,999.00 |
| Total assets | 177,842.00 | 179,768.00 | 191,476.00 | 195,011.00 | 211,124.00 |
Asset quality and capital, as filed
| Line | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross non-performing assets | 7,874.00 | 8,136.00 | 4,785.00 | 5,304.00 | 6,105.00 | 6,179.00 | 6,436.00 | 6,623.00 | 7,015.00 | 4,805.00 | 5,020.00 | 4,881.00 |
| Net non-performing assets | 2,365.00 | 2,440.00 | 1,348.00 | 1,396.00 | 1,620.00 | 1,637.00 | 1,693.00 | 1,744.00 | 1,844.00 | 1,402.00 | 1,452.00 | 1,412.00 |
| Gross NPA, per cent | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net NPA, per cent | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Return on assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| CET-1 ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Additional Tier-1 ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Who owns it
The shareholding pattern filed with the exchange every quarter, as a series. Percentages are of total shares. Each figure names the filing it was read from and the date it was filed.
| Holder | 2023-03-31 | 2023-06-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoter and promoter group | 39.99 | 39.99 | 39.98 | 39.98 | 39.98 | 39.98 | 39.98 | 39.98 | 39.98 | 40.92 | 0.40 | 0.40 | 0.39 | 0.38 |
| Domestic institutions | 13.23 | 12.39 | 17.46 | 14.80 | 12.43 | 15.06 | 16.34 | 15.41 | 16.36 | 16.52 | 0.18 | 0.19 | 0.22 | 0.27 |
| Mutual funds | — | — | — | — | — | — | — | — | — | 7.82 | 0.09 | 0.12 | 0.16 | 0.20 |
| Insurance companies | 4.34 | 4.16 | 4.58 | 5.07 | 4.32 | 7.11 | 6.71 | 7.00 | 6.51 | 7.51 | 0.08 | 0.06 | 0.05 | 0.06 |
| Foreign institutions | 31.93 | 33.53 | 32.77 | 34.74 | 31.19 | 28.25 | 26.73 | 23.22 | 22.73 | 24.34 | 0.23 | 0.22 | 0.22 | 0.19 |
| Government | — | — | — | — | — | — | — | — | — | 0.07 | 0.00 | 0.00 | 0.00 | 0.00 |
| Public | 60.01 | 60.01 | 60.02 | 60.02 | 60.02 | 60.02 | 60.02 | 60.02 | 60.02 | 59.08 | 0.60 | 0.60 | 0.61 | 0.62 |
| Non-institutional | 14.78 | 14.02 | 9.72 | 10.41 | 16.33 | 16.64 | 16.88 | 21.32 | 20.85 | 18.15 | 0.18 | 0.19 | 0.17 | 0.16 |
| Shares outstanding | 1610836480 | 1610856399 | 1610898768 | 1610907554 | 1610969748 | 1610970169 | 1610971125 | 1610971325 | 1610971405 | 1610971405 | 1610971405 | 1610971405 | 1610972314 | 1611078000 |
Related parties
Transactions with related parties as disclosed to the exchange for the period ending 2024-09-30, by counterparty, largest first. Amounts are as filed. Each row names the filing and the date it was filed.
| Counterparty | Relationship | Type | Amount in the period | Transactions |
|---|---|---|---|---|
| Bandhan Financial Holdings Limited | Promoter Company | Any other transaction, Dividend paid, Interest paid | 1,062,800,000.00 | 3 |
| Bandhan Konnagar | Promoter Group Entity | Any other transaction, Interest paid | 929,700,000.00 | 7 |
| Financial Inclusion Trust | Promoter Entity | Any other transaction, Interest paid | 566,500,000.00 | 2 |
| Bandhan Financial Services Limited | Promoter Company | Any other transaction, Interest paid | 360,200,000.00 | 2 |
| North East Financial Inclusion Trust | Promoter Entity | Any other transaction, Interest paid | 126,400,000.00 | 2 |
| Rajinder Kumar Babbar | KMP | Advance, Any other transaction, Dividend paid, Inter | 75,900,000.00 | 7 |
| Ratan Kumar Kesh | KMP | Advance, Any other transaction, Dividend paid, Inter | 50,300,000.00 | 7 |
| InApp Information Technologies (India) Private Limited | Private Company in which Directors | Any other transaction, Interest paid | 38,900,000.00 | 2 |
| Bandhan Life Insurance Limited | Promoter Group Company | Any other transaction, Interest paid | 31,400,000.00 | 4 |
| Rajeev Mantri | KMP | Advance, Any other transaction, Interest paid, Inter | 23,100,000.00 | 6 |
| Indranil Banerjee | KMP | Advance, Any other transaction, Dividend paid, Inter | 16,200,000.00 | 7 |
| Chandra Shekhar Ghosh | KMP of Promoter Company | Any other transaction, Dividend paid, Interest paid, | 15,100,000.00 | 5 |
| Arvind Agrawal | KMP of Promoter Company | Any other transaction, Dividend paid, Interest paid | 6,500,000.00 | 3 |
| Vaskar Ghosh | Relative of Director of Promoter C | Any other transaction, Dividend paid, Interest paid | 3,500,000.00 | 3 |
| Anup Kumar Sinha | Director | Any other transaction, Interest paid, Remuneration | 3,200,000.00 | 3 |
What management said
Every earnings call we hold for this company, read in full. Prepared remarks are separated from the question-and-answer session and every paragraph names who said it and on which page. These are management’s own words, not filed figures.
| Date | Quarter | Who spoke | |
|---|---|---|---|
| 2026-07-27 | Q1FY27 | Read the call | |
| 2026-05-05 | Q4FY26 | Read the call | |
| 2026-01-28 | Q3FY26 | Read the call | |
| 2025-11-06 | Q2FY26 | LIMITED | Read the call |
| 2025-07-25 | Q1FY26 | LIMITED | Read the call |
| 2025-05-07 | Q4FY25 | LIMITED | Read the call |
| 2025-02-04 | Q3FY25 | BANDHAN BANK LIMITED, BANK LIMITED | Read the call |
| 2024-10-29 | Q2FY25 | BANDHAN BANK LIMITED, BANK LIMITED | Read the call |
| 2024-07-31 | Q1FY25 | BANK | Read the call |
| 2024-05-21 | Q4FY24 | Read the call | |
| 2023-07-18 | Q1FY24 | Read the call | |
| 2023-05-24 | Q4FY23 | MR. SHANTANU SENGUPTA- | Read the call |
| 2023-01-24 | Q3FY23 | Read the call | |
| 2022-10-31 | Q2FY23 | Read the call | |
| 2022-07-27 | Q1FY23 | DIRECTOR AND CEO, MR. KAMAL BATRA- | Read the call |
| 2022-05-19 | Q4FY22 | MANAGING DIRECTOR AND CEO | Read the call |
| 2021-01-27 | Q3FY21 | Read the call | |
| 2019-08-01 | Q1FY20 | Read the call | |
| 2019-05-08 | Q4FY19 | MANAGING DIRECTOR AND CEO, | Read the call |
| 2019-01-19 | Q3FY19 | Read the call |
Some earlier announcements under this heading are covering letters only — no transcript was attached.
What they said about it, quarter by quarter
| Topic | Q3FY25 | Q3FY26 | Q4FY19 | Q4FY22 | Q4FY23 | Q4FY24 | Q4FY25 | Q4FY26 |
|---|---|---|---|---|---|---|---|---|
| Capital allocation | — | — | — | — | Two things one is in terms of when I look at what you said in terms of funding cost being steady on a QoQ basis on a last quarter when we saw a declin… | The Board of Directors have recommended a dividend of INR1.50 per equity share of INR10 for the year ended March 31, 2024, which is at the same level … | Bandhan Bank Limited April 30, 2025 Furthermore, I am pleased to inform you that the Board of Directors has recommended a dividend of INR 1.50 per sha… | Furthermore, I am pleased to inform you that the Board of Directors has recommended a dividend of INR 1.50 per share, subject to the approval of the s… |
| Costs | — | — | — | — | Just on cost of funds everyone seeing a lot of pressure on cost of funds, so what is a little different for you? | — | — | Higher credit cost was on account of pressure on the EEB book – an industry-wide phenomenon, that we saw play out during the year. |
| Debt and cash | — | — | — | And as far as this inflation impact on your micro borrowers is concerned, especially in the non- agri segment, is there anything that you wish to high… | — | — | — | If we get some good prices of our books we may prepone the cash flow, that's the only thing. |
| Demand | — | Operational trends on the ground, including improved collections, supported by increased demand, and strengthened field controls, reinforce confidence… | — | I was just asking this because there will be demand in one or two years from a large Bank merger. | We are planning to ride the demand wave in housing to grow our housing book by 22- 25% YoY. | — | So whatever the demand raised during this period, the borrowers could not pay. | — |
| Guidance | I also want to take this opportunity to outline some of the key areas of focus that will guide our strategy and ensure we continue to deliver sustaina… | Operating expenses remain well-managed and broadly in line with our guidance, despite certain regulatory-driven one-offs. | — | 2,500 crores, when do we expect it to come through? | Look our outlook for deposits for FY 24 looks quite robust because we have over the last many years seen consistent growth in our deposit book. | Performance for Q4 and FY24: Our Bank has had a robust quarter in terms of balance sheet parameters with a pick-up in growth on advances and deposits … | However, I’d like to note that recent regulatory and monetary actions have been positive, and we expect to see gradual steady improvement in the MFI s… | We expect to sustain the current mix in the near to medium term with gradual increase. |
| Margin | Our net interest margin (NIM) for the quarter was 6.9% compared to 7.4% in the previous quarter. | NII for 9MFY26 stood at Rs 8,034 crores, supported by the continued expansion of the secured book and stable margin performance. | — | And now with many of the MFls, they are raising the rates given that margin cap is not there. | Our net interest margin has increased 80 basis points from the last quarter which is now 7.3% compared to the 6.5% is the Quarter 3. | The net interest margin improved to 7.6% in Q4 2024 compared to 7.2% in Q3 FY 2024. | While credit costs are expected to remain elevated in H1FY26, we are targeting to reach 1.5–1.6% of credit cost over the next 2-3 years, based on our … | Operating expenses were elevated during the quarter due to some non-recurring items, and we remain focused on driving tighter cost discipline and impr… |
| People | — | And I think within the overall headcount, we have also made sure that we invest in talent for the secured business, which is growing very fast. | — | — | While building greater momentum in high potential and premium Pam India markets through targeted geographic diversification, deeper market penetration… | — | — | — |
| Pricing | — | These balances are more stable, less sensitive to pricing and at lower cost, and their growth indicates that the underlying strength of our CASA franc… | — | So, we don't see a challenge there, one on the deposit mobilization side and two pricing our deposits competitively in line with the market. t Bandhan… | — | — | — | — |
| Revenue growth | 1.32 lakh crore with a Y-to-Y growth of 14%. | While my colleague and Chief Financial Officer, Mr. Rajeev Mantri, will provide a comprehensive overview of the financials, I would like to take this … | Very interestingly I saw that our 986 branches they are added 10.52 lakhs new customers and there now customers is 34,59,000 and their growth of the c… | Secondly, when we look at overall the growth was primarily coming in from the bulk deposits, retail was more or less flattened, SA for flattened, not … | The housing finance book has registered a growth of 13% year-on-year. | RBI expects real GDP growth of 7.0% and CPI inflation of 4.5% during FY25. The banking system liquidity has eased a bit in the last three months. | A snapshot of the same is (a) Net Interest Income was INR 11,491 crore a growth of 11%; (b) Net Total Income was INR 14,458 crore a growth of 16%; (c)… | CASA growth was strong during the quarter, and retail deposit mobilization continued to grow at an elevated trajectory. |