Bandhan Bank achieves 10% YoY loan growth and 11% deposit expansion in Q3 FY26

Bandhan Bank Ltd reported steady provisional performance as of December 31, 2025, with loans & advances (on-book + PTC) reaching ₹1,45,227 crore, up 10.0% year-over-year (YoY) from ₹1,32,019 crore in December 2024 and 3.7% quarter-over-quarter (QoQ) from ₹1,40,041 crore as of September 30, 2025. Total deposits grew 11.1% YoY to ₹1,56,723 crore, though dipped 0.9% QoQ amid seasonal adjustments.

Deposit Mix and Retail Shift

Retail deposits strengthened, comprising 72.37% of total deposits (up from 68.65% YoY):

Retail Deposits (incl. CASA): ₹1,13,420 crore (+17.2% YoY, +1.2% QoQ).

Retail Term Deposits: ₹70,690 crore (+35.8% YoY, +4.1% QoQ).

CASA Deposits: ₹42,730 crore (-4.5% YoY, -3.3% QoQ); CASA ratio at 27.26% (down from 31.73% YoY).

Bulk Deposits: ₹43,303 crore (-2.0% YoY, -5.8% QoQ), now 37.99% of total term deposits (down from 45.92% YoY).

Liquidity Coverage Ratio (LCR) stood at a comfortable 149.14%.

Collections and Asset Discipline

Pan-bank collection efficiency (excl. NPA) improved to 98.1% in December 2025 from 97.8% in September 2025:

EEB segments: 98.0% (up from 97.5%).

Non-EEB: 98.3% (stable from 98.5%).

Bandhan Bank's retail deposit tilt to 72% and improving collections signal stabilizing operations post-EEB challenges, with healthy LCR supporting credit growth amid moderated CASA pressures.

Liquidity remains robust, with the Liquidity Coverage Ratio (LCR) at approximately 149.14%. Pan-bank collection efficiency (excluding NPA) improved to 98.1% in December 2025 from 97.8% in September 2025-EEB segments at 98.0% (up from 97.5%) and non-EEB at 98.3% (stable from 98.5%).

Bandhan Bank's shift toward higher retail deposits and steady collections indicate operational stabilization after EEB headwinds, backed by ample liquidity to fuel measured credit expansion.

Shares of Bandhan Bank Limited was last trading in BSE at Rs. 144.60 as compared to the previous close of Rs. 144.05. The total number of shares traded during the day was 245006 in over 2182 trades.

The stock hit an intraday high of Rs. 145.90 and intraday low of 142.65. The net turnover during the day was Rs. 35322329.00.

Please note that the numbers mentioned above, as on December 31, 2025, are provisional unaudited numbers and are subject to review / examine by the Audit Committee of the Board and the Board of Directors and are subject to limited review by the Statutory Auditors of the Bank.

Source : Equity Bulls

Keywords

BandhanBank INE545U01014 Q3FY26 BusinessUpdate