Bandhan Bank Q2 Profit Rises to Rs 622 Crore From Rs 112 Crore
Net interest income rose 14% to Rs 2,960 crore and gross NPA was 3.1% against 5.0% a year earlier.
Key Takeaways
- Net profit was Rs 622 crore, against Rs 112 crore in Q2 FY26.
- Net interest income rose 14% to Rs 2,960 crore.
- Gross NPA was 3.1% and net NPA 0.9%, against 5.0% and 1.4% a year ago.
- Gross advances grew 13% to Rs 1.58 lakh crore; deposits grew 9% to Rs 1.73 lakh crore.
- Provisions and contingencies fell to Rs 718 crore from Rs 1,153 crore.
Bandhan Bank reported a net profit of Rs 622 crore for the July to September quarter of FY27, compared with Rs 112 crore in the same quarter last year. The bank's board approved the results at a meeting on 28 October 2026.
Net interest income rose 14% to Rs 2,960 crore, and gross non-performing assets (NPA) stood at 3.1%, against 5.0% a year earlier. Gross advances grew 13% to Rs 1.58 lakh crore and deposits grew 9% to Rs 1.73 lakh crore.
Bandhan Bank Q2 FY27 at a glance
| Detail | Bandhan Bank |
|---|---|
| Net profit (Q2 FY27) | Rs 622 crore, against Rs 112 crore in Q2 FY26 |
| Net interest income | Rs 2,960 crore, up 14% from Rs 2,589 crore |
| Net total income | Rs 3,665 crore, up 17% from Rs 3,135 crore |
| Operating profit | Rs 1,556 crore, against Rs 1,310 crore |
| Provisions and contingencies (other than tax) | Rs 718 crore, against Rs 1,153 crore |
| Gross NPA | 3.1%, against 5.0% a year earlier |
| Net NPA | 0.9%, against 1.4% a year earlier |
| Gross advances | Rs 1.58 lakh crore, up 13% |
| Total deposits | Rs 1.73 lakh crore, up 9% |
| CASA deposits | A CASA ratio of 27% |
| Capital adequacy ratio | 18.3% |
How Bandhan Bank's profit and bad loans moved from a year ago
Operating profit rose to Rs 1,556 crore from Rs 1,310 crore, while provisions and contingencies charged to the profit and loss account fell to Rs 718 crore from Rs 1,153 crore.
The bank said its provision coverage ratio, including write-offs, was 86.7% on 30 September 2026. Collection efficiency for loans in its Emerging Entrepreneurs Business (EEB) was 99.3% in the quarter.
Where Bandhan Bank's loans grew
The retail book other than housing grew 42% and wholesale banking grew 32%.
For the half year ended 30 September 2026, net profit was Rs 1,123 crore against Rs 484 crore in the first half of FY26, and net interest income was Rs 5,881 crore, up 10%.
| When | What happened |
|---|---|
| Q2 FY26 (July to September 2025) | Net profit Rs 112 crore, gross NPA 5.0% |
| Q1 FY27 (April to June 2026) | Net profit of about Rs 502 crore, gross NPA about 3.1% |
| Q2 FY27 (July to September 2026) | Net profit Rs 622 crore, gross NPA 3.1% |
Where Bandhan Bank stands after its September quarter
Bandhan Bank ended September 2026 with Rs 1.73 lakh crore in deposits and Rs 1.58 lakh crore in gross advances. Its net profit for the first half of FY27 was Rs 1,123 crore.
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