Axis Bank Share Price Rises 5%; Net Profit Jumps 28% QoQ in Q3FY26 Results

Axis Bank announced its financial results for the quarter and nine months ended December 31, 2025, reporting steady operational performance supported by healthy deposit growth, improving asset quality, and robust fee income. The bank continued to strengthen its balance sheet while advancing digital and inclusive banking initiatives.

Strong Growth in Deposits and Advances

During Q3FY26, Axis Bank recorded year-on-year deposit growth of 15% and advances growth of 14%. On a quarterly basis, deposits increased by 5%, driven by stable CASA inflows. Current account balances rose 7% QOQ, while savings account deposits grew 1% and term deposits expanded 6%.

On a year-on-year basis, current account deposits surged 20%, savings accounts grew 11%, and term deposits increased 16%. The CASA ratio remained healthy at 39%, placing the bank among the stronger peers in the sector.

Loan Book Expansion Across Key Segments

Total advances grew 14% YOY and 4% QOQ, reflecting balanced growth across retail and corporate portfolios. Small business banking, SME, and mid-corporate loans stood at ₹2,800 billion, accounting for 24% of total loans and marking a significant increase over the past four years.

SME loans rose 22% YOY, while corporate loans grew 27%, with mid-corporate loans increasing 31% YOY. Retail loans expanded 6% YOY, supported by growth in the small business banking and rural loan segments.

Profitability and Operating Performance

Axis Bank’s Net Interest Income for Q3FY26 stood at ₹14,287 crore, registering a 5% YOY and 4% QOQ increase. Net Interest Margin remained stable at 3.64%, reflecting disciplined pricing and funding cost management.

Core operating profit increased 7% YOY and 9% QOQ, while operating profit stood at ₹10,876 crore. Net profit for the quarter rose to ₹6,490 crore, aided by steady NII, robust fee income growth of 12% YOY, and controlled operating costs.

Improving Asset Quality and Capital Position

The bank’s asset quality continued to improve, with Gross NPA declining to 1.40% and Net NPA reducing to 0.42%. Net credit cost stood at 0.76%, reflecting prudent risk management.

Capital adequacy remained strong, with the overall CAR at 16.55% and CET-1 ratio at 14.50%. The bank also reported a net accretion of 7 basis points to CET-1 during the quarter.

Digital Initiatives and Strategic Partnerships

Axis Bank advanced its digital-first agenda through several initiatives, including the launch of Express Banking Digital Points offering 24x7 services. The bank also introduced a UPI-powered co-branded RuPay credit card with Google Pay, enhancing digital credit access.

Additionally, Axis Bank committed ₹80 crore towards AI and deep-tech research through a partnership with Plaksha University, while also supporting social initiatives in education, creativity, and mental health.

Performance of Domestic Subsidiaries

Key domestic subsidiaries delivered healthy results during 9MFY26. Axis Finance reported a PAT of ₹571 crore, Axis AMC recorded ₹454 crore, Axis Securities posted ₹270 crore, and Axis Capital achieved ₹178 crore in profits, contributing meaningfully to consolidated performance.

Axis Bank Share Price Performance

On January 27, 2026, Axis Bank share price (NSE: AXISBANK) opened at ₹1,288.80, up from its previous close of ₹1,258.00. At 11:47 AM, the share price of Axis Bank was trading at ₹1,329, up by 5.64% on the NSE.

Also Read: Best Long-Term Stocks in Jan 2026 – 5yr CAGR Basis!

Conclusion

Axis Bank’s Q3FY26 performance reflects consistent execution across growth, profitability, and asset quality parameters. With strong capital adequacy, improving margins, and a continued focus on digital innovation, the bank remains well-positioned to sustain growth in a competitive banking environment.

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