Bandhan Bank Q1 deposits rise 16% YoY; loan growth slows sequentially

Bandhan Bank reported a mixed set of operational numbers for the first quarter of FY26, with strong deposit accretion offset by a sequential dip in loans and a sharp fall in low-cost deposits.

Total deposits stood at ₹1.55 lakh crore as of June 30, 2025, up 16.1% year-on-year (YoY) and 2.3% quarter-on-quarter (QoQ).

Bulk deposits jumped 19.6% YoY and 4.4% QoQ to ₹49,147 crore, while retail term deposits surged 33.6% YoY.

On the lending side, total loans and advances (including pass-through certificates) rose 6.4% YoY to ₹1.33 lakh crore, but declined 2.5% QoQ, reflecting softer disbursements during the quarter.CASA (Current Account–Savings Account) deposits dropped 5.8% YoY and 11.8% QoQ to ₹41,859 crore. This pulled down the CASA ratio to 27.06% from 33.37% a year ago and 31.37% in the previous quarter.

The bank’s liquidity coverage ratio (LCR) remained strong at 178.28%, while pan-bank collection efficiency excluding NPAs stood at 97.7%, marginally lower than 97.9% in Q4FY25.

The figures are provisional and unaudited, subject to board and auditor review.

Ahead of the update, shares of Bandhan Bank Ltd closed 2.41% lower at ₹183.35 on the NSE.