Bandhan Bank Q3 FY26 PAT up 84% QoQ to ₹206 Crore; Deposits ₹1.57 Lakh Crore
Bandhan Bank reported Q3 FY26 PAT of ₹206 crore, up 84% QoQ. Deposits grew 11% YoY to ₹1.57 lakh crore, and Gross Advances grew 10% YoY to ₹1.45 lakh crore. Gross NPAs improved to 3.3% and Net NPAs to 1.0%. The bank's CRAR stood at 17.8%.
The results show strong financial performance and improved asset quality, which are key metrics for bank investors and stakeholders.
The bank reported significant year-on-year and quarter-on-quarter growth in PAT, NII, and advances, along with an improvement in asset quality (reduction in NPAs).
Bandhan Bank Limited announced its unaudited financial results for the third quarter and nine months ended December 31, 2025. The Board of Directors approved these results at a meeting held on January 22, 2026.
For the third quarter of FY26, the bank reported a Profit After Tax (PAT) of ₹206 crore, marking an 84% increase compared to the previous quarter. Net revenue for the quarter stood at ₹3,379 crore, up 7.8% sequentially. Net Interest Income (NII) was ₹2,688 crore, a 3.8% increase QoQ, and Net Interest Margin (NIM) was 5.9%. Operating Profit grew by 10.3% QoQ to ₹1,445 crore.
Total deposits reached ₹1.57 lakh crore as of December 31, 2025, reflecting an 11% year-on-year growth. Gross Advances grew by 10% YoY to ₹1.45 lakh crore. Secured Advances now constitute nearly 57% of the total loan book, with a 27% YoY growth. The bank's asset quality improved, with Gross NPAs at 3.3% and Net NPAs at 1.0% in Q3 FY26, down from 5.0% and 1.4% respectively in Q2 FY26. The Provision Coverage Ratio (including technical write-offs) was 84.3% as of December 31, 2025.
For the nine months ended December 31, 2025, the bank's net revenue was ₹9,997 crore, and PAT stood at ₹689 crore. The Capital Adequacy Ratio (CRAR), including profits, was 17.8%, well above the regulatory requirement of 11.5%.
Speaking on the performance, MD & CEO, Partha Pratim Sengupta, highlighted the strengthening fundamentals and steady turnaround, with plans to accelerate digital initiatives in Q4 to enhance customer experience and operational efficiency. The bank aims to build a strong, resilient, and diversified institution for sustainable and profitable growth.
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