Date: October 03, 2026

Key Business Highlights for the Quarter ended September 30, 2026:

Deposits Performance (₹ in crore)

  • Total Deposits: ₹50,649 crore in Q2FY27, up 29.2% YoY from ₹39,211 crore in Q2FY26 and up 5.2% QoQ from ₹48,129 crore in Q1FY27
  • CASA: ₹13,182 crore in Q2FY27, up 22.2% YoY from ₹10,783 crore in Q2FY26 and up 1.9% QoQ from ₹12,930 crore in Q1FY27
  • CASA Ratio: 26.0% in Q2FY27 compared to 27.5% in Q2FY26 and 26.9% in Q1FY27
  • CD Ratio (Excl. Securitization): 89.97% in Q2FY27 compared to 87.78% in Q2FY26 and 88.85% in Q1FY27

Gross Loan Book Composition (₹ in crore)

  • Group Loan: ₹15,658 crore, up 19.5% YoY and 3.1% QoQ
  • Individual Loan: ₹6,381 crore, up 16.8% YoY and 3.2% QoQ
  • Housing (incl. MM): ₹12,087 crore, up 38.2% YoY and 7.8% QoQ
  • MSME: ₹3,871 crore, up 51.3% YoY and 11.6% QoQ
  • FIG: ₹3,615 crore, up 45.2% YoY and 9.8% QoQ
  • Vehicle Loan: ₹1,081 crore, up 64.7% YoY and 4.4% QoQ
  • Gold Loan: ₹1,275 crore, up 209.7% YoY and 25.0% QoQ
  • Agri Banking: ₹914 crore, up 79.1% YoY and 12.8% QoQ
  • Others^: ₹816 crore, up 26.9% YoY and 17.8% QoQ
  • Secured Book: 52.0% in Q2FY27 compared to 46.8% in Q2FY26 and 50.4% in Q1FY27
  • Total Secured Book: ₹23,773 crore, up 47.0% YoY and 9.9% QoQ

Disbursements (₹ crore)

  • Total Disbursements: ₹10,560 crore, up 33.1% YoY and 14.2% QoQ
  • Group Loan: ₹3,395 crore, up 8.4% YoY and 1.2% QoQ
  • Individual Loan: ₹1,310 crore, up 16.1% YoY and 6.7% QoQ
  • Housing (incl. MM): ₹1,327 crore, up 23.7% YoY and 16.5% QoQ
  • MSME: ₹765 crore, up 50.6% YoY and 53.9% QoQ
  • FIG: ₹2,456 crore, up 81.6% YoY and 41.6% QoQ
  • Vehicle Loan: ₹203 crore, up 23.3% YoY but down 15.1% QoQ
  • Gold Loan: ₹506 crore, up 136.0% YoY and 8.4% QoQ
  • Agri Banking: ₹167 crore, up 24.1% YoY and 46.2% QoQ
  • Others^: ₹431 crore, up 89.8% YoY but down 8.8% QoQ

Asset Quality

  • PAR (%): 3.57% in Q2FY27 compared to 3.58% in Q1FY27 and 4.45% in Q2FY26
  • GNPA (%): 2.10% in Q2FY27 compared to 2.17% in Q1FY27 and 2.45% in Q2FY26
  • Write-Off (₹ crore): ₹43 in Q2FY27 compared to ₹72 in Q1FY27 and ₹213 in Q2FY26
  • Micro Banking (GL & IL) Bucket X Collection Efficiency: 99.72% in Q2FY27 compared to 99.68% in Q1FY27 and 99.48% in Q2FY26

Important Notes

  • The information for Q2FY27 is provisional and subject to audit/limited review by statutory auditors
  • Prior numbers have been reclassified
  • Individual Loan, MSME and Others^ include both secured and unsecured products
  • Others^ category includes Staff Loan, OD-FD & others
  • Data includes securitization