Bandhan Bank has reported its provisional, unaudited business figures for the quarter ended September 30, 2025. The numbers, which are subject to review by the Audit Committee, Board of Directors, and limited review by statutory auditors, indicate healthy growth across key parameters such as loans, deposits, and retail portfolio.
Loan and Advance Growth
The bank’s total loans and advances, including on-book and PTC (Portfolio Transfer Certificate), rose to ₹1,40,062 crore in Q2 FY26, reflecting a 7.2% year-on-year (YoY) increase and a 4.8% quarter-on-quarter (QoQ) growth from ₹1,33,625 crore in June 2025.
Deposit Performance
Total deposits stood at ₹1,57,975 crore, up 10.9% YoY and 2.1% QoQ. Retail deposits, including CASA (Current Account and Savings Account), surged to ₹1,12,753 crore, growing 16.7% YoY and 6.9% QoQ. Within this, retail term deposits increased sharply by 39% YoY to ₹68,539 crore. Meanwhile, CASA deposits saw a slight YoY decline of 6.5% but rose 5.6% QoQ to ₹44,214 crore.
Bulk deposits, on the other hand, were at ₹45,222 crore, down 1.5% YoY and 8% QoQ. Retail deposits now account for 71.4% of total deposits, indicating a strong shift toward the retail segment, while bulk deposits contribute 39.8% of total term deposits. The bank’s CASA ratio stood at 28%, slightly up from the previous quarter.
Liquidity Coverage and Collection Efficiency
Bandhan Bank maintained a robust liquidity coverage ratio (LCR) of approximately 152.68% as of September 30, 2025. Collection efficiency remained strong across segments, with the pan-bank collection efficiency at 98%, reflecting steady credit quality. Specifically, the EEB segment posted 97.8% efficiency, while non-EEB segments recorded 98.5%.
