Q2 FY27 business update: disbursements Rs. 3,525 crore, up 54.9% YoY; deposits Rs. 23,869 crore

Q2 FY27 business update.

Tue 6 Oct 2026

Total Disbursements

Rs. 3,525 crore, up 54.9% YoY

Gross Loan Portfolio

Rs. 20,063 crore, up 7.5%

Total Deposits

Rs. 23,869 crore, up 6.6%

The bank shared provisional business numbers for the quarter and half year ended September 30, 2026, covering disbursements, loan portfolio, deposits, collection efficiency and liquidity.

Disbursements (Rs. crore)

• Total disbursements: 3,525 in Q2 FY27, against 2,275 in Q2 FY26 (up 54.9%) and 3,370 in Q1 FY27 (up 4.6%).
• JLG disbursements: 923, against 935 in Q2 FY26 (down 1.3%) and 1,190 in Q1 FY27 (down 22.4%).
• Non-JLG disbursements: 2,602, against 1,340 in Q2 FY26 (up 94.2%) and 2,180 in Q1 FY27 (up 19.4%).

Loan portfolio (Rs. crore)

• Gross loan portfolio: 20,063, against 18,655 in Q2 FY26 (up 7.5%) and 19,610 in Q1 FY27 (up 2.3%).
• JLG loan portfolio: 5,146, against 7,613 in Q2 FY26 (down 32.4%) and 5,480 in Q1 FY27 (down 6.1%).
• Non-JLG loan portfolio: 14,917, against 11,041 (up 35.1%) and 14,130 (up 5.6%).

Portfolio mix

• JLG : Non-JLG at 26 : 74, compared with 41 : 59 a year earlier and 28 : 72 in Q1 FY27.
• Micro-Banking : Non-Micro-Banking at 37 : 63, compared with 44 : 56 and 37 : 63.
• Secured : Unsecured at 52 : 48, compared with 47 : 53 and 51 : 49.

Deposits (Rs. crore)

• Total deposits: 23,869, against 22,385 in Q2 FY26 (up 6.6%) and 23,107 in Q1 FY27 (up 3.3%).
• CASA deposits: 5,121, against 4,482 (up 14.3%) and 4,867 (up 5.2%).
• Retail term deposits: 14,442, against 12,922 (up 11.8%) and 14,261 (up 1.3%).
• Bulk term deposits: 4,307, against 4,980 (down 13.5%) and 3,979 (up 8.2%).
• CASA ratio: 21.5%, against 20.0% and 21.1%.
• CASA plus retail term deposits ratio: 82.0%, against 77.8% and 82.8%.

Asset quality and liquidity readings

• X bucket collection efficiency: 99.53%, against 98.62% in Q2 FY26 and 99.63% in Q1 FY27.
• SMA pool: 1.48%, against 4.87% in Q2 FY26 and 1.20% in Q1 FY27.
• Liquidity Coverage Ratio: 176% as on September 30, 2026.

What the numbers show

• Total disbursements grew on both a year-on-year and quarter-on-quarter basis, with non-JLG disbursements accounting for the larger part of the quarter's disbursals while JLG disbursements eased.
• The gross loan portfolio grew 7.5% year on year, with the non-JLG book expanding and the JLG book contracting, which is reflected in the mix shifting to 26 : 74 from 41 : 59.
• Deposits grew 6.6% year on year, with CASA and retail term deposits rising and bulk term deposits lower than a year earlier; the share of CASA plus retail term deposits in total deposits was 82.0%, against 77.8% a year earlier.
• The SMA pool and X bucket collection efficiency figures are the bank's own disclosed readings for the respective quarters.

Other disclosures in the update

• All eligible Micro-Banking disbursements with effect from January 17, 2025 are covered under the CGFMU Scheme.
• The gross loan portfolio includes IBPC issued by the Bank, and deposit figures include interest accrued and due.
• The Q2 FY27 information is stated to be provisional and subject to review by the Joint Statutory Auditors of the Bank and approval of the Audit Committee and Board of Directors.

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