Key Financial Figures (₹ in lakh)

Quarter Ended September 30, 2026:

  • Interest Earned: ₹5,51,180.91
  • Other Income: ₹77,018.05
  • Total Income: ₹6,38,198.97
  • Interest Expended: ₹2,79,173.38
  • Operating Expenses: ₹2,07,655.57
  • Operating Profit before Provisions: ₹1,51,370.02
  • Provisions and Contingencies: ₹35,939.51
  • Profit before Tax: ₹1,15,430.41
  • Tax Expense: ₹29,667.42
  • Net Profit: ₹85,768.99

Half Year Ended September 30, 2026:

  • Interest Earned: ₹10,91,455.14
  • Other Income: ₹1,45,939.52
  • Total Income: ₹12,37,394.76
  • Interest Expended: ₹5,39,897.84
  • Operating Expenses: ₹4,02,579.47
  • Operating Profit before Provisions: ₹2,94,917.45
  • Provisions and Contingencies: ₹73,088.42
  • Profit before Tax: ₹2,21,829.03
  • Tax Expense: ₹56,464.75
  • Net Profit: ₹1,65,364.28

Comparative Performance (YoY):

  • Q2 Net Profit increased 53% from ₹56,087.03 (Q2 FY26) to ₹85,768.99 (Q2 FY27)
  • H1 Net Profit increased 45% from ₹1,14,172.85 (H1 FY26) to ₹1,65,364.28 (H1 FY27)
  • Total Income grew 22% in Q2 and 19% in H1 compared to previous year

Analytical Ratios

  • Capital Adequacy Ratio: 18.54% (Sep 2026) vs 18.78% (Sep 2025)
  • Gross NPA: 1.99% (Sep 2026) vs 2.41% (Sep 2025)
  • Net NPA: 0.81% (Sep 2026) vs 0.88% (Sep 2025)
  • Return on Assets: 0.47% (Q2 FY27) vs 0.35% (Q2 FY26)
  • Basic EPS: ₹11.44 (Q2 FY27) vs ₹7.52 (Q2 FY26)
  • Diluted EPS: ₹11.30 (Q2 FY27) vs ₹7.48 (Q2 FY26)
  • Net Worth: ₹21,12,236.23 lakh (Sep 2026) vs ₹17,93,647.20 lakh (Sep 2025)

Segment Performance (Q2 FY27)

  • Treasury Revenue: ₹90,375.08 lakh, Profit: ₹12,369.73 lakh
  • Retail Banking Revenue: ₹4,59,118.63 lakh, Profit: ₹71,949.15 lakh
  • Wholesale Banking Revenue: ₹68,162.70 lakh, Profit: ₹21,786.99 lakh
  • Other Banking Operations Revenue: ₹10,542.56 lakh, Profit: ₹9,324.54 lakh

Capital Structure

  • Paid-up Equity Share Capital: ₹75,136.85 lakh (Face Value ₹10 each)
  • During Q2 FY27, the Bank allotted 23,96,617 equity shares pursuant to exercise of options under employee stock option schemes
  • During H1 FY27, the Bank allotted 31,01,474 equity shares under ESOP schemes

Asset Quality

  • Gross NPAs: ₹2,98,830.78 lakh (Sep 2026)
  • Net NPAs: ₹1,20,534.60 lakh (Sep 2026)
  • Gross Advances: ₹1,48,50,780.10 lakh (Sep 2026)

Cash Flow Highlights (H1 FY27)

  • Net Cash from Operating Activities: ₹8,32,725.69 lakh
  • Net Cash used in Investing Activities: ₹(6,45,787.43) lakh
  • Net Cash from Financing Activities: ₹46,181.72 lakh
  • Net Increase in Cash: ₹2,34,119.98 lakh