Shares of Bandhan Bank rose over 2% in Monday’s session after the lender released its provisional business update for the quarter ended December 31, 2025, indicating steady growth in loans and deposits alongside improving collection efficiency.
As per the regulatory disclosure, Bandhan Bank’s total loans and advances stood at Rs 1,45,227 crore at the end of Q3 FY26, marking a year-on-year growth from Rs 1,32,019 crore. On a sequential basis, advances increased by around 3.7%, reflecting sustained credit demand across segments.
Total deposits grew 11.1% year-on-year to Rs 1,56,723 crore, compared with Rs 1,41,002 crore in the year-ago period. However, deposits declined marginally by 0.9% from Rs 1,58,075 crore in the September quarter, indicating some near-term pressure on funding flows.
Retail deposits continued to support the balance sheet, rising 17.2% year-on-year to Rs 1,13,420 crore and increasing their share in total deposits to 72.37%. Retail term deposits grew sharply by 35.8% year-on-year to Rs 70,690 crore, highlighting customer preference for fixed-return products.
In contrast, CASA deposits declined 4.5% year-on-year to Rs 42,730 crore, leading to a softer CASA ratio of 27.26% compared with 31.73% a year earlier. Bulk deposits also fell on both a yearly and quarterly basis.
On the asset quality front, pan-bank collection efficiency improved to 98.1% in December from 97.8% in September, while the bank’s liquidity position remained strong with an LCR of around 149%.
The bank noted that all figures are provisional and subject to audit review.
