Bank of Baroda Q2 Profit Rises 35.8% to a Record Rs 6,532 Crore
The bank's highest-ever quarterly profit came with operating profit up 50.9% and gross NPAs down to 1.78%.
Key Takeaways
- Bank of Baroda's Q2 FY27 net profit was a record Rs 6,532 crore, up 35.8% year on year.
- Operating profit rose 50.9% to Rs 11,430 crore.
- The gross NPA ratio fell to 1.78% from 2.16% a year earlier.
- Global advances grew 18.3% and global deposits grew 16.4%.
- First-half FY27 profit was Rs 7,810 crore, 16.5% lower than a year earlier.
Bank of Baroda reported a record quarterly net profit of Rs 6,532 crore for the September 2026 quarter (Q2 FY27), up 35.8% from Rs 4,809 crore a year earlier. The bank said it is its highest-ever quarterly net profit.
Operating profit rose 50.9% to Rs 11,430 crore. The bank's board approved the results on 30 October 2026.
Bank of Baroda Q2 FY27 at a glance
| Detail | Bank of Baroda |
|---|---|
| Net profit | Rs 6,532 crore, up 35.8% year on year |
| Net profit in Q2 FY26 | Rs 4,809 crore |
| Operating profit | Rs 11,430 crore, up 50.9% |
| Net interest income | Rs 13,026 crore, up 9.0% |
| Non-interest income | Rs 6,881 crore, up 95.8% |
| Gross NPA ratio | 1.78%, against 2.16% a year earlier |
| Net NPA ratio | 0.37% |
How Bank of Baroda's income and bad loans moved in the quarter
Net interest income, the gap between what the bank earns on loans and pays on deposits, rose 9.0% to Rs 13,026 crore. Non-interest income nearly doubled, rising 95.8% to Rs 6,881 crore.
The gross NPA ratio fell to 1.78% from 2.16% a year earlier, and from 1.99% in the June 2026 quarter. The net NPA ratio was 0.37%.
Bank of Baroda's loans and deposits at the end of September 2026
| Measure | 30 September 2026 |
|---|---|
| Global advances | Rs 15,12,448 crore, up 18.3% year on year |
| Domestic advances | Up 13.5% year on year |
| Global deposits | Rs 17,45,435 crore, up 16.4% year on year |
| Domestic deposits | Up 16.6% year on year |
Why Bank of Baroda's six-month profit is still lower than last year
For the first half of FY27 (April to September 2026), Bank of Baroda's net profit was Rs 7,810 crore. That is 16.5% lower than the Rs 9,351 crore it earned in the first half of FY26. Operating profit for the six months rose 23.7% to Rs 19,557 crore.
Where Bank of Baroda stands after its Q2 FY27 results
Bank of Baroda's Q2 profit of Rs 6,532 crore is the highest the bank has reported in a quarter. Its gross NPA ratio stands at 1.78%. Its global advances were Rs 15,12,448 crore at the end of September 2026.
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