Kolkata, January 4, 2026 – Bandhan Bank Limited (BSE: 541153 | NSE: BANDHANBNK) reported steady business growth for the quarter ended December 31, 2025, led by a healthy expansion in advances and a continued shift toward retail deposits, even as overall deposit levels moderated sequentially.
Key Business Metrics (₹ crore)
| Particulars | Dec 31, 2024 | Sep 30, 2025 | Dec 31, 2025 | YoY (%) | QoQ (%) |
|---|---|---|---|---|---|
| Loans & Advances (On-book + PTC) | 1,32,019 | 1,40,041 | 1,45,227 | 10.0 | 3.7 |
| Total Deposits | 1,41,002 | 1,58,075 | 1,56,723 | 11.1 | -0.9 |
| CASA Deposits | 44,735 | 44,211 | 42,730 | -4.5 | -3.3 |
| Retail Term Deposits | 52,063 | 67,916 | 70,690 | 35.8 | 4.1 |
| Retail Deposits (incl. CASA) | 96,798 | 1,12,127 | 1,13,420 | 17.2 | 1.2 |
| Bulk Deposits | 44,204 | 45,948 | 43,303 | -2.0 | -5.8 |
Deposit Mix Improves; Retail Share Rises
The bank continued to improve its deposit composition during the quarter. Retail deposits accounted for 72.37% of total deposits as of December 31, 2025, compared with 68.65% a year earlier. The share of bulk deposits in total term deposits declined further to 37.99%, underscoring the bank’s focus on a more granular and stable funding base.The CASA ratio stood at 27.26%, reflecting moderation in low-cost deposits during the quarter, while retail term deposits remained the key growth driver.
Asset Growth Remains Steady
Loans and advances rose to ₹1.45 lakh crore, marking a 10% year-on-year increase and 3.7% sequential growth, indicating sustained credit demand across core lending segments.Collection Efficiency Strengthens
Collection efficiency improved across segments on a sequential basis. Pan-bank collection efficiency, excluding NPA, increased to 98.1% in December 2025 from 97.8% in September 2025. The EEB segment reported collection efficiency of 98.0%, while the non-EEB segment stood at 98.3%, reflecting stable asset quality trends.Liquidity Position
The bank maintained a strong liquidity buffer, with the Liquidity Coverage Ratio at approximately 149.14% as of December 31, 2025.About the Company
Bandhan Bank Limited is a listed private sector bank in India with a strong presence in retail and MSME lending. Headquartered in Kolkata, the bank operates a diversified banking franchise with a focus on inclusive banking, retail deposits, and prudent balance sheet growth.Source:
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