Bandhan Bank Reports Strong FY26 Growth: Retail Deposits Surge 18%

Bandhan Bank Limited (NSE: BANDHANBNK; BSE: 541153) has released its provisional business update for the quarter and financial year ended March 31, 2026. The bank demonstrated a strategic pivot toward retail-led growth, marked by a significant increase in retail deposits and improved collection efficiencies across all segments.

Lending & Deposit Performance

The bank's Loans and Advances (including On-book and PTC) reached ₹1,54,235 crore, growing by 12.6% Year-on-Year (YoY). On a sequential basis, advances grew by 6.2%, reflecting steady credit demand in the final quarter.

Total Deposits grew by 10.0% YoY to reach ₹1,66,344 crore. A key highlight was the bank's success in reducing its reliance on bulk funding while aggressively growing its retail base:

Retail Deposits (including CASA): Stood at ₹1,22,547 crore, representing a robust 17.7% YoY increase.

Retail to Total Deposits Ratio: Improved significantly to 73.67%, up from 68.88% in the previous year.

Bulk Deposits: Decreased by 6.9% YoY, now constituting only 37.24% of total term deposits.

CASA and Liquidity

The bank saw a strong recovery in CASA (Current Account Savings Account) deposits during the final quarter, which grew 14.1% sequentially to reach ₹48,751 crore. The CASA Ratio stood at 29.31%. Additionally, the bank maintained a very healthy liquidity position with a Liquidity Coverage Ratio (LCR) of approximately 131.76%.

Operational Excellence: Collection Efficiency

Bandhan Bank reported a notable improvement in its collection efficiency (excluding NPAs), signaling strong asset quality management:

Pan Bank Collection Efficiency: Improved to 98.9% in March 2026, up from 98.1% in December 2025.

EEB Segment: Reached 98.6% efficiency.

Non-EEB Segment: Reached a near-perfect 99.3% efficiency.

Shares of Bandhan Bank Limited was last trading in BSE at Rs. 146.20 as compared to the previous close of Rs. 147.70. The total number of shares traded during the day was 773573 in over 7681 trades.

The stock hit an intraday high of Rs. 147.60 and intraday low of 140.70. The net turnover during the day was Rs. 111248838.00.

Source : Equity Bulls

Keywords

BandhanBank INE545U01014 Q4FY26 FY2026 BusinessUpdate