Bandhan Bank Ltd. reported a sharp increase in standalone net profit for the second quarter of FY27, with profit after tax (PAT) rising to \u20b9622 crore from \u20b9112 crore in the corresponding quarter of the previous financial year. The results were approved by the bank’s board on October 28, 2026.<\/p>\n\n\n\n
The improvement in profitability was accompanied by higher net interest income, growth in total income and an improvement in asset quality. The bank’s net interest income (NII) increased 14% year-on-year to \u20b92,960 crore, while gross and net non-performing asset ratios declined compared with the year-ago period.<\/p>\n\n\n\n
Source: Bandhan Bank’s Q2 FY27 financial results and regulatory filings.<\/em><\/p>\n\n\n\n Bandhan Bank’s standalone net profit increased to \u20b9621.75 crore in Q2 FY27 from \u20b9111.87 crore in Q2 FY26, representing year-on-year growth of approximately 455.8%.<\/p>\n\n\n\n The bank also reported profit before tax of \u20b9838.87 crore, compared with \u20b9157.79 crore in the corresponding quarter last year.<\/p>\n\n\n\n The sharp increase in profit came alongside lower provisions and improved asset quality. Provisions and contingencies for the quarter stood at \u20b9718 crore.<\/p>\n\n\n\n The bank’s net interest income increased to \u20b92,960 crore from \u20b92,589 crore in Q2 FY26, reflecting growth of approximately 14%.<\/p>\n\n\n\n Total income rose to \u20b96,458 crore from \u20b95,900 crore in the year-ago quarter. Interest earned during the quarter increased to \u20b95,754 crore from \u20b95,354 crore.<\/p>\n\n\n\n Net interest margin (NIM), a key measure of a bank’s lending profitability, improved to approximately 6.1% from 5.8% a year earlier.<\/p>\n\n\n\n Asset quality improved on a year-on-year basis during the September quarter.<\/p>\n\n\n\n Bandhan Bank’s gross non-performing assets (GNPA) declined to 3.11% of gross advances as of September 30, 2026, compared with 5.02% a year earlier. Net non-performing assets (NNPA) fell to 0.92% from 1.30%.<\/p>\n\n\n\n The bank’s provision coverage ratio, including write-offs, stood at 86.7% at the end of the quarter.<\/p>\n\n\n\n Lower non-performing asset ratios indicate an improvement in the proportion of loans classified as stressed or non-performing. However, the sustainability of this improvement will depend on subsequent collections, recoveries and fresh slippages.<\/p>\n\n\n\n Bandhan Bank’s gross advances reached \u20b91.58 lakh crore as of September 30, 2026, representing growth of approximately 13% from \u20b91.40 lakh crore a year earlier.<\/p>\n\n\n\n The bank’s secured advances increased 18% year-on-year and accounted for more than 57% of total advances, compared with 55% a year earlier.<\/p>\n\n\n\n Total deposits rose 9% to \u20b91.73 lakh crore from \u20b91.58 lakh crore in the corresponding period last year. CASA deposits stood at \u20b946,132 crore, while the CASA ratio was approximately 26.7%.<\/p>\n\n\n\n The growth in advances and deposits reflects expansion in the bank’s lending and deposit base during the quarter.<\/p>\n\n\n\n For the six months ended September 30, 2026, Bandhan Bank reported net profit of \u20b91,123 crore, compared with \u20b9484 crore in the corresponding period of the previous financial year.<\/p>\n\n\n\n Net interest income for the first half increased to \u20b95,881 crore from \u20b95,346 crore. However, operating profit declined to \u20b92,915 crore from \u20b92,979 crore.<\/p>\n\n\n\n Provisions and contingencies for the first half fell to \u20b91,400 crore from \u20b92,299 crore in H1 FY26, contributing to the improvement in reported profitability.<\/p>\n\n\n\n Bandhan Bank’s Q2 FY27 results highlight stronger profitability, higher net interest income and improved asset quality. Growth in advances and deposits also points to continued expansion of the bank’s business.<\/p>\n\n\n\n Going forward, key factors to monitor include the movement in gross and net NPAs, credit costs, deposit mobilisation, lending growth and operating profitability. The bank’s ability to sustain asset-quality improvement while expanding its loan book will remain important in subsequent quarters.<\/p>\n\n\n\n Bandhan Bank reported a significant increase in Q2 FY27 net profit to \u20b9622 crore, supported by 14% growth in net interest income and a decline in non-performing asset ratios. Total income increased 9.5% year-on-year, while advances and deposits recorded growth.<\/p>\n\n\n\n Although the profit increase was substantial, lower provisions were an important contributor to the improvement. Future results will help establish whether the bank can sustain its earnings growth alongside continued improvement in asset quality.<\/p>\n\n\n\nNet Profit Increases More Than Fivefold<\/h2>\n\n\n\n
Net Interest Income Grows 14%<\/h2>\n\n\n\n
Asset Quality Shows Improvement<\/h2>\n\n\n\n
Advances and Deposits Expand<\/h2>\n\n\n\n
Bandhan Bank H1 FY27 Performance<\/h2>\n\n\n\n
What to Watch Going Forward<\/h2>\n\n\n\n
Conclusion<\/h2>\n\n\n\n