Bandhan Bank Q2 FY27 Results: Net Profit Jumps 456% to ₹622 Crore, Shares Fall 12% in One Year

Bandhan Bank reported a 456% year-on-year increase in net profit to ₹622 crore in Q2 FY27, compared with ₹112 crore in the same quarter last year. The result exceeded the analyst estimate of ₹580 crore.

Revenue increased 7.5% to ₹5,754 crore, while Net Interest Income (NII) rose 14% to ₹2,960 crore. Lower provisions also supported profitability, falling to ₹718 crore from ₹1,153 crore a year earlier.

Bandhan Bank Q2 FY27 Financial Performance

Metric	Q2 FY27	Q2 FY26	YoY Change
Net Profit	₹622 crore	₹112 crore	+456%
Net Interest Income	₹2,960 crore	₹2,589 crore	+14%
Operating Profit	₹1,556 crore	₹1,310 crore	+19%
Revenue	₹5,754 crore	₹5,354 crore	+7.5%
Gross Advances	₹1.58 lakh crore	₹1.40 lakh crore	+13%
Deposits	₹1.73 lakh crore	₹1.58 lakh crore	+9%

Asset Quality Improves

Bandhan Bank’s asset quality improved year-on-year. Gross Non-Performing Assets (GNPA) declined to 3.11% from 5.0%, while the Net NPA ratio fell to 0.92% from 1.4%.

The capital adequacy ratio stood at 18.3%, above the stated regulatory requirement of 11.5%. The provision coverage ratio, including write-offs, was 86.7% as of September 30, 2026.

Advances and Deposits Grow

Gross advances increased 13% year-on-year to ₹1.58 lakh crore, supported by growth in retail and wholesale banking. Deposits rose 9% to ₹1.73 lakh crore.

The bank’s secured loan mix reached 57.3%, up 237 basis points year-on-year. Its cost-to-income ratio improved to 57.5% from 58.2%, while annualised net interest margin increased to 6.1%.

H1 FY27 Profitability

For the first half of FY27, net profit more than doubled to ₹1,123 crore. However, operating profit declined 2% year-on-year to ₹2,915 crore.

The figures indicate that lower credit costs and reduced provisions played a major role in the increase in net profit, rather than stronger operating profit growth during the half-year period.

Bandhan Bank Share Price Returns

Period	Return
1 day	+2.27%
5 days	-2.35%
1 month	-14.17%
6 months	-13.04%
1 year	-11.54%
5 years	-47.92%

Bandhan Bank’s Q2 FY27 results showed strong net profit growth, improving asset quality and higher advances and deposits. However, its historical share returns remained negative over the one-year and five-year periods.

This article is for informational purposes only and is not investment advice.