Profitability Performance

Net Profit for Q1 FY27 stood at ₹3,068 crore, representing a 36.23% YoY increase from ₹2,252 crore in Q1 FY26.

Operating Profit increased by 25.99% YoY to ₹5,051 crore from ₹4,009 crore in Q1 FY26.

Net Interest Income (NII) grew by 12.61% YoY to ₹6,833 crore from ₹6,068 crore in Q1 FY26.

Non-Interest Income increased by 19.07% YoY to ₹2,579 crore from ₹2,166 crore in Q1 FY26.

Business Growth Metrics

Global Business reached ₹17,55,699 crore, showing 16.57% YoY growth from ₹15,06,142 crore in June 2025.

Global Deposits increased to ₹9,57,924 crore, up 14.90% YoY from ₹8,33,698 crore in June 2025.

Global Advances grew to ₹7,97,775 crore, a 18.64% YoY increase from ₹6,72,444 crore in June 2025.

Domestic Deposits increased by 16.15% YoY to ₹8,24,963 crore from ₹7,10,277 crore in June 2025.

Domestic CASA increased by 7.18% YoY to ₹3,02,085 crore from ₹2,81,846 crore in June 2025, with CASA ratio at 36.68%.

Domestic Advances grew by 19.20% YoY to ₹6,73,833 crore from ₹5,65,297 crore in June 2025.

Overseas Deposits increased by 7.73% YoY to ₹1,32,961 crore.

Overseas Advances increased by 15.67% YoY to ₹1,23,942 crore.

RAM Advances Performance

RAM Advances (Retail, Agriculture, MSME) increased by 19.75% YoY to ₹3,92,833 crore from ₹3,28,048 crore in June 2025, constituting 58.30% of domestic Gross Advances.

  • Retail Credit: Increased by 20.60% YoY to ₹1,66,170 crore from ₹1,37,782 crore
  • MSME Advances: Increased by 19.34% YoY to ₹1,10,881 crore from ₹92,908 crore
  • Agriculture Credit: Increased by 18.92% YoY to ₹1,15,782 crore from ₹97,358 crore

Asset Quality Improvement

Gross NPA declined by 26.41% YoY to ₹14,454 crore from ₹19,640 crore in June 2025.

Net NPA declined by 18.81% YoY to ₹4,019 crore from ₹4,950 crore in June 2025.

Gross NPA ratio improved by 111 basis points to 1.81% from 2.92% in June 2025.

Net NPA ratio improved by 24 basis points to 0.51% from 0.75% in June 2025.

Provision Coverage Ratio (PCR) stood at 93.83% compared to 92.94% in June 2025.

Slippage ratio improved by 9 basis points to 0.24%.

Key Financial Ratios

Cost to Income Ratio (CIR) improved by 498 basis points to 46.33%.

Return on Assets (ROA) increased by 19 basis points to 1.01%.

Return on Equity (ROE) increased by 257 basis points to 16.12%.

Net Interest Margin (NIM) [Global] stood at 2.52%.

CRAR increased to 18.69%, with CET-1 ratio at 15.97%.

Priority Sector Performance

Priority Sector Advances increased by 10.93% YoY and achieved 47.11% of ANBC.

Agricultural advances achieved 19.85% of ANBC.

Advances to Small & Marginal Farmers achieved 14.22% of ANBC against regulatory norm of 10%.

Advances to Weaker Sections achieved 17.95% of ANBC against regulatory norm of 12%.

Digital Banking & Network

Internet Banking (Omni Neo) users increased to 10.1 million.

Mobile Banking (Omni Neo) users increased to 13.9 million.

Digital Transactions improved by 22% YoY to 2.08 billion from 1.70 billion in June 2025.

Total touch points: 38,063 as of 30.06.2026

Domestic branches: 5,510 (Rural: 1,935 [35%], Semi-Urban: 1,640 [30%], Urban: 913 [17%], Metro: 1,022 [18%])

Financial Inclusion

Bank opened 3.58 lakh new PMJDY accounts during Q1 FY27.

  • PMJJBY: 124 lakhs
  • PMSBY: 290 lakhs
  • APY: 40.57 to 44.69 lakhs

Awards & Recognition

  • BAANKNET Excellence in Price Discovery Award-FY'26
  • Two Gold awards for Corporate Banking Innovation & Product innovation for FCSS (Foreign Currency Settlement System) at Infosys Innovation Awards 2026
  • Excellence in Professional Banking Certification at IIBF Learning & Development Leadership Meet 2026
  • ET-Rising Star of the year award at The Economic Times Enterprise Security Award 2026