Bandhan Bank Q3FY26 Deposits Up 11.1% to ₹1,56,723 Cr, Loans Rise 10%
Bandhan Bank's provisional Q3FY26 results show Loans & Advances at ₹1,45,227 crore (up 10% YoY) and Total Deposits at ₹1,56,723 crore (up 11.1% YoY). Retail Deposits grew 17.2% YoY to ₹1,13,420 crore. CASA deposits declined YoY. LCR stood at 149.14% and collection efficiency was 98.1%.
The announcement provides key provisional financial metrics for the quarter, including deposit and loan growth, which are material for investors. However, the figures are unaudited and subject to limited review, which tempers the immediate impact. The growth in retail deposits is a positive indicator for future profitability.
The bank reported year-on-year growth in loans and total deposits, along with significant growth in retail deposits, indicating a positive business trend. While CASA deposits saw a decline, the overall deposit and loan growth, coupled with a healthy LCR and collection efficiency, suggest a stable financial performance.
Bandhan Bank Limited has announced its provisional unaudited financial results for the quarter ended December 31, 2025. Loans and Advances (On book + PTC) saw a year-on-year increase of 10.0%, reaching ₹1,45,227 crore, a 3.7% increase from the previous quarter.
Total Deposits grew by 11.1% year-on-year to ₹1,56,723 crore, though this represents a slight decrease of 0.9% quarter-on-quarter. Within deposits, CASA Deposits decreased by 4.5% YoY to ₹42,730 crore and by 3.3% QoQ. However, Retail Term Deposits increased significantly by 35.8% YoY to ₹70,690 crore, contributing to a 17.2% YoY rise in overall Retail Deposits (including CASA) to ₹1,13,420 crore. Bulk Deposits saw a marginal decrease of 2.0% YoY to ₹43,303 crore.
The bank's CASA Ratio stood at 27.26% as of December 31, 2025. The Liquidity Coverage Ratio (LCR) was approximately 149.14% as of December 31, 2025. Collection efficiency for the bank (excluding NPA) was reported at 98.1% for December 2025, an improvement from 97.8% in September 2025. The numbers are provisional and unaudited, subject to review by the Audit Committee and the Board of Directors, and a limited review by the Statutory Auditors.
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Bandhan Bank Limited filed this with the NSE as a statutory disclosure, categorised under quarterly results. It is a primary document, not a recommendation, and the desk marks it medium impact: worth reading, rarely worth acting on by itself.
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See the model portfoliosA plain-language summary of a public exchange filing by Bandhan Bank Limited. Read the original for the full detail.