The financial institution had reported loans and advances price Rs 1,32,019 crore within the corresponding interval of the earlier fiscal.
In keeping with the provisional enterprise replace submitted to the inventory exchanges, the financial institution’s whole deposits rose by 11.1 per cent to Rs 156,723 crore in the course of the quarter below evaluate, in comparison with Rs 141,002 crore as of December 31, 2024.
On a sequential foundation, nonetheless, whole deposits noticed a marginal decline of 0.9 per cent from Rs 1,58,075 crore in September 2025 quarter.
The financial institution’s retail franchise continued to point out power, with retail deposits (together with CASA) growing by 17.2 per cent year-on-year to Rs 1,13,420 crore. Retail time period deposits witnessed a pointy surge of 35.8 per cent, reaching Rs 70,690 crore as in opposition to Rs 52,063 crore within the year-ago interval.
Consequently, the share of retail deposits within the whole deposit bucket improved to 72.37 per cent from 68.65 per cent a yr in the past.
Nevertheless, the lender’s low-cost CASA (Present Account Financial savings Account) deposits declined by 4.5 per cent to Rs 42,730 crore, down from Rs 44,735 crore within the December 2024 quarter. This led to a contraction within the CASA ratio to 27.26 per cent, in comparison with 31.73 per cent in the identical interval final yr and 27.97 per cent within the previous September quarter.Bulk deposits additionally noticed a lower of two.0 per cent year-on-year, standing at Rs 43,303 crore. The ratio of bulk to whole time period deposits stood at 37.99 per cent as of December 31, 2025, displaying a major discount from 45.92 per cent within the corresponding interval final yr.
On the operational entrance, Bandhan Financial institution reported an enchancment in its pan-bank assortment effectivity. The general assortment effectivity (excluding NPAs) stood at 98.1 per cent for the month of December 2025, up from 97.8 per cent in September 2025.
The Rising Entrepreneurs Enterprise (EEB) section noticed its assortment effectivity rise to 98.0 per cent in December from 97.5 per cent in September. Non-EEB segments maintained a gradual effectivity of 98.3 per cent.
The financial institution’s liquidity place remained snug with the Liquidity Protection Ratio (LCR) standing at roughly 149.14 per cent as of December 31.
