Bandhan Bank announced Q1FY27 results Financial Highlights: Total Income: For Q1FY27, Total Income stood at Rs 6,23,438.04 lakh, representing a marginal YoY increase of 0.53% from Rs 6,20,149.05 lakh in Q1FY26 and a QoQ increase of 0.57% from Rs 6,19,912.62 lakh in Q4FY26. Net Profit: The Bank reported a Net Profit of Rs 50,166.87 lakh for Q1FY27, marking a significant YoY growth of 34.87% from Rs 37,196.20 lakh in Q1FY26. On a QoQ basis, Net Profit decreased by 6.08% compared to Rs 53,413.84 lakh in Q4FY26. Interest Earned: Interest earned during Q1FY27 was Rs 5,63,055.20 lakh, up 2.83% YoY from Rs 5,47,561.05 lakh in Q1FY26 and up 3.72% QoQ from Rs 5,42,843.13 lakh in Q4FY26. Other Income: For the quarter ended June 30, 2026, other income was Rs 60,382.84 lakh, a decrease of 16.82% YoY from Rs 72,588.00 lakh in Q1FY26 and a decline of 21.65% QoQ from Rs 77,069.49 lakh in Q4FY26. Operating Profit: Operating Profit before Provisions & Contingencies for Q1FY27 was Rs 1,35,810.36 lakh, a YoY decrease of 18.60% from Rs 1,66,839.97 lakh in Q1FY26 and a QoQ decrease of 5.76% from Rs 1,44,115.97 lakh in Q4FY26. Asset Quality: Gross Non-Performing Assets (GNPA) ratio improved to 3.15% in Q1FY27, compared to 4.96% in Q1FY26 and 3.27% in Q4FY26. Net NPA ratio stood at 0.93% in Q1FY27, down from 1.36% in Q1FY26 and 0.97% in Q4FY26. Earnings Per Share (EPS): Basic and Diluted EPS for Q1FY27 reached Rs 3.11, compared to Rs 2.31 in Q1FY26 and Rs 3.32 in Q4FY26. Business Highlights: Deposits: Total deposits as of June 30, 2026, reached Rs 1.65 lakh crore, a growth of 7% YoY compared to Rs 1.55 lakh crore in the previous year. CASA deposits stood at Rs 48,479 crore with a CASA ratio above 29%. Advances: Gross advances grew 16% YoY to Rs 1.56 lakh crore. Secured advances now constitute nearly 57% of the total loan book. Retail Banking Growth: The retail book (other than housing) grew 45% YoY, while Wholesale Banking grew by 38% YoY. Net Interest Margin (NIM): NIM for Q1FY27 was 6.2%, remaining flat sequentially. Segment Performance: Retail Banking: Segment revenue for Q1FY27 was Rs 5,52,864.44 lakh compared to Rs 5,46,850.37 lakh in Q1FY26. Treasury: Segment revenue for Q1FY27 was Rs 65,851.93 lakh compared to Rs 95,129.18 lakh in Q1FY26. Wholesale Banking: Segment revenue for Q1FY27 was Rs 82,959.03 lakh compared to Rs 62,496.41 lakh in Q1FY26. Distribution Network: As of June 30, 2026, the Bank’s network comprised 1,988 branches, 4,400 banking units, and 438 ATMs. Partha Pratim Sengupta, MD & CEO, said: "Our Q1FY27 performance reflects the resilience of Bandhan Bank’s franchise, the commitment of our teams, and the trust our stakeholders continue to place in us. As we build on this momentum, we remain focused on delivering customer-centric and digitally enabled growth. By strengthening our distribution network, expanding our product offerings, and harnessing data-driven insights, we are well positioned to create greater value for our customers and stakeholders while driving sustainable, balanced, and future-ready growth." Result PDF