Bandhan Bank reported a substantial 456% year-on-year increase in its Profit After Tax (PAT) for the second quarter of FY27, reaching ₹622 crore. This growth was driven by a 14% rise in Net Interest Income and a 13% increase in gross advances to ₹1.58 lakh crore as of September 30, 2026. Total deposits also grew by 9% to ₹1.73 lakh crore.
Bandhan Bank Reports Strong Q2 FY27 Financials
Bandhan Bank announced its financial results for the quarter and half-year ended September 30, 2026, highlighting robust performance across key metrics. The bank’s Profit After Tax (PAT) for the second quarter (Q2 FY27) surged by 456% to ₹622 crore, compared to ₹112 crore in the corresponding quarter of the previous year (Q2 FY26).
Key Financial Highlights
Quarter Ended September 30, 2026
- Net Interest Income (NII) grew by 14% to ₹2,960 crore from ₹2,589 crore in Q2 FY26.
- Net Total Income increased by 17% to ₹3,665 crore from ₹3,135 crore in Q2 FY26.
- Operating Profit rose by 19% to ₹1,556 crore from ₹1,310 crore in Q2 FY26.
- Provisions (other than tax) & contingencies were ₹718 crore compared to ₹1,153 crore in Q2 FY26.
Half Year Ended September 30, 2026
- Net Interest Income (NII) for the half-year stood at ₹5,881 crore, a 10% increase from ₹5,346 crore in H1 FY26.
- Net Total Income grew by 9% to ₹7,190 crore from ₹6,618 crore in H1 FY26.
- Operating Profit was ₹2,915 crore, a marginal decrease of 2% from ₹2,979 crore in H1 FY26.
- Profit after tax for the six months increased by 132% to ₹1,123 crore compared to ₹484 crore in H1 FY26.
Advances and Deposits Growth
As of September 30, 2026, the bank’s gross advances grew by 13% year-on-year to ₹1.58 lakh crore, up from ₹1.40 lakh crore in the previous year. Deposits also showed healthy growth, increasing by 9% year-on-year to ₹1.73 lakh crore. CASA deposits stood at ₹46,132 crore, with a CASA ratio of 27%.
Asset Quality and Capital Adequacy
The Gross Non-Performing Assets (GNPA) ratio remained stable at 3.1% in Q2 FY27, with the net NPA ratio at 0.9%. The bank’s Capital Adequacy Ratio (CAR) stood at a strong 18.3% as of September 30, 2026, well above the regulatory requirement of 11.5%.
Speaking on the performance, MD & CEO Partha Pratim Sengupta expressed optimism, stating, “Our performance in Q2 FY26-27 reflects our focus on maintaining healthy business growth, accelerating deposit mobilisation, improving the composition of our loan portfolio, protecting asset quality and steadily strengthening profitability. We are making steady and significant improvement over the quarters in operating profit and PAT.”
Source: BSE
