Date: October 04, 2026

Business Update

The Bank has provided provisional business updates for the quarter ended September 30, 2026, ahead of the official announcement of financial results. The information is subject to approval by the Audit Committee of the Board, Board of Directors, and limited review by the Statutory Auditors.

Key Financial Metrics (Figures in INR Crores)

As of September 30, 2026:

  • Loans & Advances: ₹309,675 crore
  • Deposits: ₹354,084 crore
  • Certificate of Deposits (CDs): ₹11,382 crore
  • CASA: ₹106,255 crore
  • CASA Ratio: 30.0%
  • Credit to Deposit Ratio: 87.5%
  • Liquidity Coverage Ratio (LCR): 131.4% (Average Quarterly LCR on Consolidated basis)

Quarter-over-Quarter Changes (Q2 FY2027 vs Q1 FY2027):

  • Loans & Advances: Increased 8.6% from ₹285,118 crore
  • Deposits: Increased 12.3% from ₹315,373 crore
  • CASA: Increased 2.9% from ₹103,233 crore
  • CASA Ratio: Decreased from 32.7% to 30.0%
  • Credit to Deposit Ratio: Decreased from 90.4% to 87.5%
  • LCR: Decreased from 138.2% to 131.4%

Year-over-Year Changes (Q2 FY2027 vs Q2 FY2026):

  • Loans & Advances: Increased 23.8% from ₹250,212 crore
  • Deposits: Increased 19.5% from ₹296,276 crore
  • CASA: Increased 6.6% from ₹99,708 crore
  • CASA Ratio: Decreased from 33.7% to 30.0%
  • Credit to Deposit Ratio: Increased from 84.5% to 87.5%
  • LCR: Increased from 125.1% to 131.4%

Normalized Figures

The Bank has provided normalized figures that exclude Foreign Currency Non-Resident (Bank) ["FCNR(B)"] deposits mobilized under the RBI concessional USD/INR Forex Swap Facility introduced vide RBI Circular FMOD.MAOG.No.S-56/01.06.016/2026-27 dated June 8, 2026, and related foreign currency term loans ["FCTL"] extended from the Bank's GIFT City Branch.

Normalized Metrics:

  • Advances growth normalised for FCTL extended from IBU Gift City: Q-o-Q 3.3%, Y-o-Y 17.7%
  • Deposits growth normalised for FCNR(B): Q-o-Q 6.5%, Y-o-Y 13.2%
  • CASA Ratio normalised for FCNR(B): 31.7% (Sep-26), 32.8% (Jun-26), 33.7% (Sep-25)
  • C/D Ratio normalised for FCTL extended from IBU Gift City: 83.2% (Sep-26), 90.4% (Jun-26), 84.5% (Sep-25)

Important Notes

The information is provisional and subject to the following qualifications:

  • Corresponding specific provision as on June 30, 2026, pertaining to outstanding Loans & Advances as on September 30, 2026, has been considered for arriving at Net Advances
  • LCR represents Average Quarterly LCR on Consolidated basis
  • Normalized figures adjust balances as at September 30, 2026, and June 30, 2026, for outstanding FCNR(B) deposits and related FCTL; balances as at September 30, 2025, remain unaffected