Provision Coverage Ratio (Including Technical Write-offs) as of December 31, 2025, is 84.3%.
FinTech BizNews Service
Mumbai, 27 January 2026: Bandhan Bank has Lowered Monthly Average Balance for Standard Savings Account.
• MAB reduced from Rs5,000 to Rs2,000, effective February 1, 2026
• Product features and benefits remain unchanged
• Initiative aimed at enhancing accessibility and affordability of banking services
• Aligned with the Bank’s vision of financial inclusion and customer-centric growth
The Board of Directors of Bandhan Bank Limited has approved the Bank’sfinancial results for the quarter and nine months ended December 31, 2025, at its meeting held in Kolkata. The statutory auditors have reviewed the financial statements for the quarter ended December 31, 2025.
FINANCIAL RESULTS
Deposits
As of December 31, 2025, total deposits stood at Rs.1.57 lakh crore as against Rs.1.41 lakh crore in the previous year – a growth of 11% YoY
CASA Deposits stood at Rs.42,730 crore and CASA Ratio stood at 27%, CASA + Retail TD to total deposit ratio stands above 72%
Advances
As of December 31, 2025, Gross Advances stood at Rs.1.45 lakh crore as against Rs.1.32 lakh crore in the previous year – a growth of 10% YoY. On a YoY basis, Retail book (other than housing) grew 57%, Wholesale Banking grew 32%, and the Housing book showed a growth of 10% (excluding IBPC).
Asset Quality
The collection efficiency for EEB loans was higher at 98.2% for Q3 FY26
Provision Coverage Ratio (Including Technical Write-offs) as of December 31, 2025, is 84.3%.
Financials for the quarter ended December 31, 2025
The Bank’s net revenue as of Q3 FY26 was Rs.3,379 crore as compared to Rs. 3,135 crore in Q2 FY26;
a growth of 7.8% QoQ.
Net interest income (NII) as of Q3 FY26, stood at Rs.2,688 crore compared to Rs. 2,589 crore as of
Q2 FY26, representing a growth of 3.8% QoQ.
Net Interest Margin (NIM) for the quarter was 5.9% compared to 5.8% in Q2 FY26
Operating Profit was Rs.1,445 crore in Q3 FY26 compared to Rs.1,310 crore in Q2 FY26, up 10% QoQ.
The provisions (other than tax) & contingencies charged to the Profit and Loss for Q3 FY26 were at
Rs.1,155 crore, flat QoQ
The profit after tax for the quarter ended December 31, 2025, stood at Rs.206 crore compared to
Rs 112 crore, registering a growth of 84% QoQ.
Financials for the nine months ended December 31, 2025
The Bank’s net revenue as of 9M FY26 was Rs.9,997 crore as compared to Rs.11,002 crore in 9M FY25
Net interest income (NII) as of 9M FY26, stood at Rs. 8,034 crore compared to Rs. 8,735 crore in 9MFY25
NIM for 9M FY26 stood at 6.0%
Operating Profit was Rs.4,424 crore in 9M FY26 compared to Rs.5,817 crore in 9M FY25
The provisions (other than tax) & contingencies charged to the Profit and Loss for 9M FY26 were at
Rs.3,454 crore compared to Rs. 2,505 crore in 9M FY25
The profit after tax for the nine months ended December 31, 2025, stood at Rs.689 crore compared
to Rs 2,427 crore.
The Bank’s RoA stood at 0.5% and RoE at 3.6% for the nine months (annualised basis)
As of December 31, 2025, the Bank’s capital adequacy ratio including profits stood at 17.8% well
above the regulatory requirement of 11.5%.
Distribution Network
The Bank’s distribution network spans more than 6,350 outlets. The Bank currently has more than 74,500 employees
Speaking on the Bank’s performance, MD & CEO, Partha Pratim Sengupta said, "Bandhan Bank’s
third quarter performance over the last quarters reflects the strengthening fundamentals and
steady turn around. In Q4, we are set to accelerate multiple digital initiatives aimed at enhancing
customer experience, operational efficiency, and scalability. We remain fully committed to building
a strong, more resilient and more diversified bank. These efforts position us well for sustainable and
profitable growth going forward.”
