Bandhan Bank Ltd on Sunday, January 4, reported steady growth in loans and deposits for the quarter ended December 31, 2025 (Q3 FY26), with a continued shift towards retail deposits, even as low-cost CASA balances declined year-on-year.
According to the bank’s provisional business update, loans and advances, including pass-through certificates (PTC), rose 10% year-on-year to ₹1.45 lakh crore as of December 31, 2025, compared with ₹1.32 lakh crore a year earlier.
Total deposits increased 11.1% year-on-year to ₹1.57 lakh crore from ₹1.41 lakh crore in the corresponding period last year. Retail deposits, including CASA, grew 17.2% to ₹1.13 lakh crore, strengthening their share in the overall deposit base to 72.37% from 68.65% a year ago.
Within retail deposits, retail term deposits recorded a strong growth of 35.8% year-on-year to ₹70,690 crore. In contrast, CASA deposits declined 4.5% to ₹42,730 crore, leading to a moderation in the CASA ratio to 27.26% from 31.73% a year earlier.
Bulk deposits edged down 2% year-on-year to ₹43,303 crore, while their share in total term deposits reduced to 37.99% from 45.92% a year ago, underscoring the bank’s focus on improving the granularity of its deposit base.
The bank said its liquidity coverage ratio (LCR) remained comfortable at approximately 149.14% as of December 31, 2025, well above regulatory requirements.
On asset quality indicators, Bandhan Bank reported an improvement in collection efficiency across the bank. Pan-bank collection efficiency, excluding non-performing assets (NPAs), improved to around 98.1% in December 2025 from approximately 97.8% in September 2025.
The exchange filing said that the figures are provisional in nature and subject to review.
Shares of Bandhan Bank Ltd ended higher on Friday, January 2, by 0.53% at ₹144.95 on the NSE.
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