City Union Bank Q2 FY27: PAT up 27% to Rs. 4,159 Mn, advances up 26%, Gross NPA down to 1.44%
Q2 FY27 PAT up 27% to Rs. 4,159 Mn, NII up 31%, advances up 26% to Rs.724 Bn; Gross NPA 1.44%, NIM 3.87%.
By ScoutQuest · · 1 min read
- PAT
- Q2 FY27 PAT up 27% to Rs. 4,159 Mn
- Net Interest Income
- NII up 31% to Rs. 8,728 Mn
- Gross NPA
- 1.44% (10,430 INR Mn), down from 1.91% at Mar-26
- Period
- Q2 and H1 FY 2027
- Positioning
- City Union Bank describes itself as a 120+ year old Swadeshi private sector bank with continuous profitability, 1000+ branches from Kashmir to Kanyakumari and an SME/MSME-focused granular loan book.
💰 Q2 FY27 net profit rose 27% to Rs. 4,159 Mn and operating profit 40% to Rs. 6,609 Mn, on net interest income up 31% to Rs. 8,728 Mn. Deposits grew 21% to Rs. 839 Bn and advances 26% to Rs.724 Bn. ROA was 1.62%, ROE 15.01% and NIM 3.87% versus 3.63% a year earlier.
📉 Asset quality kept improving: Gross NPA fell to 1.44% (10,430 INR Mn) from 1.91% at Mar-26 and Net NPA to 0.48%. Provision coverage is 82% with technical write-offs; CRAR is 21.26% with core CRAR 20.43%. Cost to income fell to 45.96% from 49.16%.
📌 The company says it is a granular, fully collateralised SME/MSME lender, with about 39% of the book in that segment and top 20 group borrowers at 7% of advances, and states it emphasises retail and MSME advances for stable asset quality.
📌 Management states it aims to augment business in semi-urban, urban and unbanked rural areas, and the presentation lists a wide set of fintech partnerships around API banking, digital lending and payments as support.
Also from City Union Bank
Audio recording of Q2 & H1 FY 2027 earnings call put up on bank's website
28 Oct 2026
City Union Bank Ltd press release, Q2 FY27
28 Oct 2026
City Union Bank delivered strong numbers with robust growth in net interest income and operating profit
28 Oct 2026
More numbers
- Net Profit, Q2 FY 20274,159 (in INR Mn)
- Net Interest Income, Q2 FY 20278,728 (in INR Mn)
- Operating Profit, Q2 FY 20276,609 (in INR Mn)
- Net Profit, H1 FY 20277,985 (in INR Mn)
- Deposits, Q2 FY 20278,38,931 (in INR Mn)
- Advances, Q2 FY 20277,17,427 (in INR Mn)
- PAT growth, Q2 FY27 YoY27%
- Advances growth, YoY26%
- Net Interest Margin, Q2 FY 273.87%
- ROA, Q2 FY271.62%
- Gross NPA, Sep-261.44%
- Net NPA, Sep-260.48%
- CRAR (Basel III), Q2 FY2721.26%
- Cost to Income, Q2 FY 2745.96%
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