Bandhan Bank Reports Q1FY27 Results: Gross Advances Stand at ₹1,555.6 Bn; Profit After Tax Reaches ₹5.0 Bn
Bandhan Bank Limited has released its unaudited financial results for the first quarter (Q1) of fiscal year 2027, which ended on June 30, 2026. The bank reported a Gross Advances figure of ₹1,555.6 billion, with Total Deposit reaching ₹1,648.9 billion.The bank's Net Interest Income (NII) for the quarter was ₹29.2 billion. Key performance indicators for Q1FY27 include a NIM of 6.2%, Gross Non-Performing Assets (GNPA) ratio of 3.1%, and Net NPA (NNPA) ratio at 0.9%.
Financial Highlights for Q1FY27
The results reflect the bank's strategic focus on portfolio diversification and liability resilience. The financial performance metrics are summarized below:
| Metric | Q1FY27 Result | Year-over-Year Change | Quarter-over-Quarter Change |
|---|---|---|---|
| Gross Advances | ₹ 1,555.6 bn* | 16.4% | 0.9% |
| Total Deposit | ₹ 1,648.9 bn | 6.6% | -0.9% |
| GNPA Ratio | 3.1% | -182 bps | -12 bps |
| Net Interest Income (NII) | ₹ 29.2 bn | 5.9% | 4.5% |
| NIM | 6.2% | -16 bps | 2 bps |
| Secured Mix | 56.8% | 473 bps | 67 bps |
| CASA Ratio | 29.4% | 234 bps | 9 bps |
Profitability and Asset Quality
The bank reported Total Revenue (Net) at ₹35.2 billion for the quarter. Operating expenses to Assets stood at 4.3%. The Profit After Tax (PAT) was recorded at ₹5.0 billion, representing a 34.9% year-on-year increase and a -6.1% quarter-on-quarter change.
The balance sheet showed Total Deposits stand at ₹1,648.9 billion, reflecting a 6.6% growth year-over-year. The bank's Gross Advances were reported at ₹1,555.6 billion (Group + SBAL), marking a significant 16.4% rise compared to the previous year and a 0.9% increase quarter over quarter.
Operational metrics related to assets include:
- GNPA Ratio: 3.1% (down from 4.7% in FY25)
- Net NPA Ratio: 0.9% (down from 1.3% in FY25)
- Credit Cost: 1.8%
Balance Sheet Overview
As of June 30, 2026, the bank's Total Assets were reported at ₹2,094.1 billion. Shareholders Funds stood at ₹261.7 billion, showing a 4.6% increase year-on-year. The institution holds total deposits of ₹1,648.9 billion.
Business and Portfolio Details
The bank maintains an extensive pan-India network, with regional distribution details available in the provided materials. Regarding portfolio structure, the data showed:
- EEB (Emerging Entrepreneurs Business) contributed 346.3 billion to Average Advances in Q1FY27.
- Retail Assets were 477.3 billion of Total Average Advances.
The bank's commitment to asset quality is highlighted by the EEB Stress Pool and Provisions, where the total stress pool stood at 39.8 billion for June 2026.
Industry Recognition and Governance
Bandhan Bank has received several accolades, including the ET Edge Best BFSI Brands Award in 2026. Furthermore, the bank was recognized by Adgully for its digital lead generation campaign due to innovative use of MarTech and real-time AI based campaign optimisation. The institution also secured the 2025 Gallup Exceptional Workplace Award.
The management team includes Partha Pratim Sengupta as Managing Director & Chief Executive Officer, who has over 40 years of experience in the banking industry. Rajinder Kumar Babbar serves as Executive Director & Chief Business Officer.
BANDHANBNK Stock Price Movement
Bandhan Bank Limited's equity today slipped by 1.82% to close at ₹208.83. The stock traded within an intraday range of ₹206.6 to ₹215.92, recording a volume of 12.31 million shares.Disclaimer: Due care and diligence have been taken in compiling and presenting news and market-related content. However, errors or omissions may arise despite such efforts.
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