Stock Report

YES Bank Reports Double-Digit Growth in Deposits and Advances for FY26

Posted On : 2026-04-05 11:22:21( TIMEZONE : IST )

YES Bank Limited (NSE: YESBANK; BSE: 532648) has released its provisional business update for the quarter and financial year ended March 31, 2026. The bank demonstrated robust credit momentum and a significant surge in low-cost deposits, reflecting strengthening operational performance despite a competitive liquidity environment.

Surge in Lending and Deposits

The bank's Loans and Advances reached ₹272,454 crore as of March 31, 2026, marking a healthy 10.7% Year-on-Year (YoY) growth. On a sequential basis (QoQ), advances grew by 5.8%, indicating sustained credit demand in the final quarter of the fiscal year.

Even more impressive was the bank's performance in Total Deposits, which grew 12.1% YoY to reach ₹318,970 crore. Notably, the bank saw a sharp 9% increase in deposits compared to the previous quarter ending December 2025.

Focus on Low-Cost Deposits (CASA)

A key highlight of the update is the strong growth in CASA (Current Account Savings Account) deposits. CASA balances stood at ₹111,960 crore, representing a 14.9% YoY increase and a robust 12.5% QoQ jump. This led to an improvement in the CASA Ratio, which rose to 35.1%, up from 34.0% in the previous quarter and 34.3% in the same period last year. This shift toward low-cost deposits is expected to support the bank's net interest margins.

Liquidity and Efficiency

The bank's Credit-to-Deposit (CD) Ratio improved to 85.4%, down from 88.0% in the preceding quarter, suggesting a more balanced liquidity position as deposit growth outpaced credit expansion. The average Liquidity Coverage Ratio (LCR) for the quarter remained comfortable at 119.0%, well above the regulatory requirements, providing a strong buffer for the bank's operations.

The figures provided are provisional and remain subject to statutory audit and approval by the Board of Directors.

Shares of Yes Bank Limited was last trading in BSE at Rs. 17.85 as compared to the previous close of Rs. 17.91. The total number of shares traded during the day was 6381448 in over 32000 trades.

The stock hit an intraday high of Rs. 17.95 and intraday low of 17.30. The net turnover during the day was Rs. 111661025.00.