Bandhan Bank Shares in Focus After Mixed Q3FY26 Performance

Bandhan Bank’s shares are expected to attract investor attention following the release of its Q3FY26 results. While the lender recorded a notable drop in profit compared to the same period last year, quarter-on-quarter performance showed improvement. 

Deposit growth, advances expansion and stable collection efficiency provided additional context to the quarterly outcome.

Bandhan Bank share price traded 2.03% higher at ₹145.41 at 9:20 AM on the NSE.

Bandhan Bank Quarterly Profit Performance

Bandhan Bank posted a net profit of ₹206 crore for the December quarter, marking a 52% decline year-on-year compared with ₹426 crore in the corresponding period last year. 

Net interest income also fell 4.5% annually to ₹2,688 crore. On a sequential basis, profit after tax increased 84% from ₹112 crore in the previous quarter, while net interest income rose 4% quarter-on-quarter.

Bandhan Bank Margins and Operating Metrics

Net interest margin for the quarter stood at 5.9%, slightly higher than 5.8% in the preceding quarter. Operating profit grew 10% quarter-on-quarter to ₹1,445 crore. 

Net revenue reached ₹3,379 crore, reflecting a 7.8% sequential rise, while provisions and contingencies remained unchanged at ₹1,155 crore.

Deposit and Advance Growth

Total deposits stood at ₹1.57 lakh crore as of 31 December 2025, registering an 11% year-on-year increase. CASA deposits were reported at ₹42,730 crore, with the CASA ratio at 27%. The combined CASA and retail term deposit ratio remained above 72% of total deposits. 

Gross advances increased 10% year-on-year to ₹1.45 lakh crore, supported by growth in retail, wholesale and housing portfolios.

Asset Quality and Collection Efficiency

Collection efficiency for EEB loans improved to 98.2% during the quarter. The provision coverage ratio, including technical write-offs, stood at 84.3%, indicating maintained asset quality levels through the reporting period.

Business Outlook and Strategy

The bank’s distribution network comprised over 6,350 outlets, supported by a workforce of more than 74,500 employees. Management indicated plans to accelerate digital initiatives in the next quarter to improve customer experience, operational efficiency and scalability, while continuing efforts towards business diversification.

Read More: AU Small Finance Bank Share Price in Focus; Strengthens Leadership as Q3 Profit Rises 26%.

Conclusion

Bandhan Bank’s Q3FY26 results reflect a mixed performance, with year-on-year profitability under pressure but sequential recovery and steady business metrics. Market participants are likely to monitor progress in earnings stability, digital initiatives and asset quality trends in the coming quarters.

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