Bandhan Bank541153Quarterly results

Bandhan Bank Q2FY27: PAT up 455.7% YoY to ₹ 6.2 bn as secured mix rises to 57.3% and GNPA falls to 3.1%

Q2FY27 PAT up 455.7% YoY to ₹ 6.2 bn, NII up 14.4% to ₹ 29.6 bn, gross advances up 13.1% to ₹ 1,583.7 bn.

By ScoutQuest · Wed 28 Oct 2026, 4:19 PM IST · 1 min read

57.3%Secured mix

Secured mix: 57.3%.

Profit After Tax: ₹ 6.2 bn, up 455.7% YoY
Net Interest Income: ₹ 29.6 bn (up 14.4%)
Gross Advances: ₹ 1,583.7 bn (13.1% YoY)
Period: Q2FY27
Positioning: Bandhan Bank describes itself as a universal bank with a diversified portfolio split roughly a third each across EEB, Housing & Retail and Wholesale Banking, serving 32.0 mn customers through 6,415 outlets in 35 States and UTs.

📉 Q2FY27 profit after tax was ₹ 6.2 bn, up 455.7% YoY, on NII of ₹ 29.6 bn (up 14.4%) and operating profit of ₹ 15.6 bn (up 18.8%); provisions fell 37.7% YoY to 7.2 (₹ Bn). ROA was 1.2% and ROE 9.3%.

📌 Gross advances reached ₹ 1,583.7 bn (13.1% YoY) and total deposits ₹ 1,726.9 bn (9.2% YoY), with retail deposits at 72.7% of total. The CASA ratio slipped to 26.7%, down 125 bps YoY and 269 bps QoQ.

📉 Asset quality improved: GNPA fell to 3.1% and NNPA to 0.9%, while the EEB stress pool shrank 32.4% YoY to 39.6 (₹ Bn). PCR fell to 71.2%, though the company says it is 74.3% including SR provision.

🎯 Management states it is pursuing a calibrated shift to secured assets (secured mix now 57.3% vs 47.0% in Q2FY25), a retail-led deposit strategy, disciplined credit selection and recovery focus, and predictability in return ratios through balance sheet strengthening.

Also from Bandhan Bank

Bandhan Bank Q2FY27: PAT up 455.7% YoY to ₹ 6.2 bn as secured mix rises to 57.3% and GNPA falls to 3.1%

Audio recordings of Q2 and H1 FY2026-27 press conference and earnings call hosted on website

Board grants ~32.99 lakh stock options at Rs. 151.91 under ESOP Series 1

Board approves Q2 FY27 unaudited results: net profit Rs. 62,175.05 lakh, GNPA 3.11%, CAR 18.32%