Bandhan Bank Share Price in Focus: Loan Growth Returns to 10% After Two Quarters

Shares of Bandhan Bank Ltd ended higher on Friday, January 2, rising 0.53% to ₹144.95 on the NSE. 

The stock extended gains in early trade on Monday, January 5, tracking positive sentiment following the bank’s provisional business update.

Q3 FY26 Business Update Highlights

Bandhan Bank, in its provisional update released on Sunday, January 4, reported that loans and advances (including pass-through certificates) increased 10% year-on-year to ₹1.45 lakh crore as of December 31, 2025, compared with ₹1.32 lakh crore in the year-ago period.

This marks a return to double-digit loan growth after two consecutive quarters of slower expansion.

Total deposits grew 11.1% year-on-year to ₹1.57 lakh crore, up from ₹1.41 lakh crore in Q3 FY25.

Retail Deposits Strengthen, CASA Moderates

The bank continued its strategic shift towards retail funding. Retail deposits, including CASA, rose 17.2% year-on-year to ₹1.13 lakh crore, increasing their share in the overall deposit base to 72.37%, from 68.65% a year earlier.

Within retail deposits:

• Retail term deposits recorded strong growth of 35.8% year-on-year to ₹70,690 crore
• CASA deposits declined 4.5% to ₹42,730 crore

As a result, the CASA ratio moderated to 27.26%, compared with 31.73% in the corresponding quarter last year.

Management also indicated an improvement in EEB (Emerging Entrepreneurs Business) collection efficiency, pointing to stabilising asset quality trends.

Read More: PC Jeweller Share Price in Focus; Posts 37% YoY Revenue Growth in Q3 FY2026 

Conclusion

While the strengthening of retail deposits supports funding stability, trends in low-cost deposits and asset quality will remain key factors to monitor in the coming quarters.

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