Yes Bank Logs 18.4% Loan Growth in Q1 FY27; CASA Deposits Moderate Sequentially

Private sector lender Yes Bank Limited has released its provisional operational metrics for the first quarter of the 2027 financial year, highlighting a sharp, double-digit expansion in its loan book alongside a seasonal cooling in its low-cost deposit franchise.

Credit Engine Accelerates with Strong YoY Push

Yes Bank recorded robust credit demand during the quarter, expanding its asset book significantly on both a year-over-year (YoY) and sequential quarter-over-quarter (QoQ) basis:

Loans & Advances: Net advances crossed a milestone to land at ₹285,315 crore, representing an 18.4% YoY jump compared to ₹241,024 crore in Q1 FY26. Sequentially, the loan book ticked up 4.3% from March 2026's base of ₹273,445 crore.

Credit-to-Deposit (C/D) Ratio: Driven by credit expansion outstripping near-term deposit accretion, the bank's C/D ratio climbed to 90.5%, rising from 85.7% in the trailing quarter and 87.4% in the previous year's June quarter.

Deposit Matrix Highlights Seasonal Sequential Softness

Total deposit lines expanded by double digits over the previous year, but showed a minor structural contraction over the three months following the close of the last fiscal year:

Total Deposits: Aggregate deposits grew 14.3% YoY to reach ₹315,397 crore. Sequentially, total deposits dipped slightly by 1.1% from ₹318,969 crore in Q4 FY26.

CASA Volatility: Current Account and Savings Account (CASA) balances experienced a sequential seasonal draw, falling 7.8% QoQ to ₹103,258 crore, though remaining up 14.3% compared to ₹90,351 crore in June 2025.

CASA Ratio: Consequent to the sequential slip in low-cost checking accounts, the bank's CASA ratio (inclusive of Certificate of Deposits) pulled back to 32.7%, down from 35.1% in March 2026, resting essentially flat against the Q1 FY26 baseline of 32.8%.

Certificate of Deposits (CDs): The outstanding value of CDs stood at ₹6,604 crore, shedding 3.3% sequentially over March 2026.

Strong Institutional Liquidity Buffers

Despite the minor tightening in the sequential C/D ratio, Yes Bank aggressively reinforced its short-term liquidity safety nets. The bank's average consolidated Liquidity Coverage Ratio (LCR) climbed significantly to 138.5%, up sharply from 119.0% in March 2026 and comfortably clear of regulatory mandates.

Shares of Yes Bank Limited was last trading in BSE at Rs. 24.39 as compared to the previous close of Rs. 24.25. The total number of shares traded during the day was 5402106 in over 32561 trades.

The stock hit an intraday high of Rs. 24.62 and intraday low of 24.14. The net turnover during the day was Rs. 131665984.00.

Source : Equity Bulls

Keywords

YesBank INE528G01035 Q1FY27 BusinessUpdate