Bandhan Bank Share Jump After Q3FY26 PAT Rockets 84% QoQ at Rs 206 Crore

Bandhan Bank has achieved a significant milestone, with its total business crossing the Rs 3 lakh crore mark as of December 31, 2025. The Bank reported a robust sequential recovery in profitability, with its Profit After Tax (PAT) for Q3 FY26 surging by 84 per cent quarter-on-quarter to reach Rs 206 crore. This growth was supported by a 7.8 per cent increase in net revenue and a steady rise in Net Interest Income (NII) to Rs 2,688 crore. The Bank's Net Interest Margin (NIM) also saw a slight improvement, rising to 5.9 per cent from 5.8 per cent in the previous quarter, reflecting better yields on its credit portfolio.

The Bank's balance sheet showed steady year-on-year (YoY) expansion, with total deposits growing by 11 per cent to reach Rs 1.57 lakh crore. On the lending side, gross advances increased by 10 per cent YoY to Rs 1.45 lakh crore. A key highlight of this growth is the strategic shift toward a more balanced portfolio; secured advances grew by 27 per cent YoY and now account for nearly 57 per cent of the total loan book. Within the credit segments, the retail book (excluding housing) led the way with 57 per cent YoY growth, followed by a 32 per cent increase in wholesale banking, indicating a diversifying asset base beyond traditional microcredit.

Asset quality showed a marked improvement during the quarter, providing a positive outlook for the Bank’s risk management. The Gross NPA ratio fell significantly to 3.3 per cent from 5.0 per cent in the previous quarter, while Net NPA improved to 1.0 per cent from 1.4 per cent QoQ. Collection efficiency for the Emerging Entrepreneurs Business (EEB) remained strong at 98.2 per cent, and the Provision Coverage Ratio stood at a healthy 84.3 per cent. With a Capital Adequacy Ratio (CRAR) of 17.8 per cent, well above the regulatory requirement, and a vast distribution network of over 6,350 outlets, the Bank maintains a solid foundation for future growth.

Speaking on the Bank’s performance, MD & CEO, Partha Pratim Sengupta said, "Bandhan Bank’s third quarter performance over the last quarters reflects the strengthening fundamentals and steady turnaround. In Q4, we are set to accelerate multiple digital initiatives aimed at enhancing customer experience, operational efficiency, and scalability. We remain fully committed to building a strong, more resilient and more diversified bank. These efforts position us well for sustainable and profitable growth going forward.”

About Bandhan Bank

Since its inception as a universal bank on August 23, 2015, Bandhan Bank has emerged as one of India’s fastest-growing private sector lenders, deeply rooted in the philosophy of ‘Aapka Bhala, Sabki Bhalai.’ Driven by a mission of financial inclusion, the bank focuses on bridging the gap for underserved populations, particularly in semi-urban and rural areas, by offering a comprehensive 360-degree service suite that includes diverse loan products, deposit accounts, and robust digital banking solutions.

Its rapid expansion has established a vast network of over 6,350 banking outlets across 35 states and union territories, earning the trust of 3.25 crore customers. As of December 31, 2025, Bandhan Bank’s commitment to uplifting lives is reflected in its strong financial standing, boasting a deposit base of Rs 1.57 lakh crore and total advances of Rs 1.45 lakh crore. The company has a market capitalisation of Rs 24,420 crore. On Friday, shares of Bandhan Bank jumped 6.66 per cent to Rs 152.15 per share from its previous closing.

Disclaimer: The article is for informational purposes only and not investment advice.