Net profit for Q4FY26 rose 68% year-on-year to ₹534 crore from ₹318 crore. However, net interest income (NII) growth remained modest, rising 1.4% to ₹2,795.4 crore compared with ₹2,756 crore a year ago.
Asset quality showed further improvement during the quarter, with gross non-performing assets (NPA) easing to 3.27% from 3.33% in the December quarter. Net NPA also declined marginally to 0.97% from 0.99% sequentially.
On the business front, loans and advances (including on-book and PTC) stood at ₹1.54 lakh crore at the end of March, reflecting a 12.6% year-on-year increase and a 6.2% sequential rise. Total deposits grew 10% year-on-year to ₹1.66 lakh crore, with a 6.1% increase on a quarter-on-quarter basis.
Retail deposits continued to gain traction, rising 17.7% year-on-year to ₹1.22 lakh crore, taking their share in total deposits to 73.67%, up from 68.88% a year ago.
Retail term deposits saw particularly strong growth, increasing 30.1% to ₹73,796 crore. In contrast, bulk deposits declined 6.9% year-on-year to ₹43,797 crore, indicating a shift towards a more granular deposit base.
CASA deposits rose modestly by 2.8% year-on-year to ₹48,751 crore, with the CASA ratio at 29.31%. The bank’s liquidity position remained comfortable, with a liquidity coverage ratio of 131.76% as of March 31, 2026. Collection efficiency also improved to 98.9%, compared with 98.1% in the previous quarter.
The bank’s distribution network now spans over 6,350 outlets, supported by a workforce of more than 75,000 employees.
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Commenting on the performance, Managing Director and CEO Partha Pratim Sengupta said the bank’s FY26 performance reflects disciplined execution and a diversifying business model, with continued focus on customer-centric and digital-led growth.
The board has recommended a dividend of ₹1.50 per equity share (15%) for FY26, subject to shareholder approval at the upcoming annual general meeting.
Shares of Bandhan Bank ended at ₹178, down 2.13% on the NSE ahead of the results announcement.
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