Performance Overview

Q1 FY27 Financial Performance:

  • Net Profit: ₹3,970 million (11% increase YoY from ₹3,580 million in Q1 FY26)
  • Net Interest Income: ₹5,860 million (8.1% increase YoY from ₹5,420 million)
  • Other Income: ₹1,890 million (16.7% increase YoY from ₹1,620 million)
  • Operating Profit: ₹5,860 million (9.3% increase YoY from ₹5,360 million)

Balance Sheet Position (as of June 30, 2026):

  • Total Assets: ₹983,886 million (23.3% increase YoY from ₹797,995 million)
  • Share Capital: ₹991 million (increased from ₹741 million in Q1 FY26)
  • Reserves and Surplus: ₹109,179 million (12.6% increase from ₹96,942 million)
  • Deposits: ₹793,423 million (20.7% increase from ₹657,345 million)
  • Borrowings: ₹51,703 million (196% increase from ₹17,460 million)
  • Advances: ₹668,809 million (26.1% increase from ₹530,378 million)

Asset Quality Metrics:

  • Gross NPA: 1.73% (improved from 3.09% in FY25 and 1.91% in Mar'26)
  • Net NPA: 0.61% (improved from 1.25% in FY25 and 0.68% in Mar'26)
  • NPA Closing Balance: ₹11,697 million (decreased from ₹12,731 million in Mar'26)
  • Additions to NPA: ₹1,950 million (0.29% of gross advances)
  • Recovery Made: ₹1,107 million
  • Upgradations: ₹714 million
  • Write-off: ₹1,163 million

Capital Adequacy (as of June 30, 2026):

  • Total Risk Weight: ₹507,968 million
  • Tier-I Capital: ₹106,515 million
  • Tier-II Capital: ₹3,869 million
  • Total Capital: ₹110,384 million
  • Tier-I CRAR: 20.97%
  • Total CRAR: 21.73%

Advances Portfolio Breakdown (in INR Million):

  • Agriculture (including JL): ₹111,852
  • MSME: ₹249,731 (37% of loan book)
  • Retail (excluding Non Agri JL): ₹64,725
  • Non Agri Gold Loans: ₹114,707
  • Commercial Real Estate: ₹50,080
  • NBFC: ₹16,847
  • Loans to Business Enterprises: ₹18,827
  • Large Industries/Services: ₹19,990
  • All other Loans: ₹29,695
  • Total Assets: ₹676,454

Gold Loan Portfolio Details:

  • Total Gold Loan Book: ₹114,707 million as of June 30, 2026
  • Average LTV at market price: 62.07%
  • LTV at 20% price drop: 77.59%
  • 1.93% of portfolio above market price

Investment Portfolio:

  • Total Investments: ₹196,086 million
  • AFS: ₹51,344 million
  • HTM: ₹135,099 million
  • FVTPL (including HFT): ₹9,642 million
  • 95% of investments in SLR securities with yield of 6.64%
  • Modified Duration: Total portfolio 4.22 (AFS: 3.23, HTM: 4.60, FVTPL: 3.66)

Provisions & Contingencies Breakdown (Q1 FY27):

  • Provision for Tax: ₹1,200 million
  • Provision for Bad Debts: ₹600 million
  • Provision for Standard Assets: ₹180 million
  • Total Provisions: ₹1,980 million

Restructured Accounts:

  • As of June 30, 2026: 566 borrower accounts amounting to ₹4,464 million
  • MSME: 70 borrowers, ₹2,096 million
  • Non-MSME: 496 borrowers, ₹2,368 million
  • % of restructured standard advances to gross advances: 0.66%

Branch Network:

  • Total branches: 750+ across India
  • Rural: 32%
  • Semi-urban: 28%
  • Urban: 25%
  • Metropolitan: 15%

Shareholding Pattern (as of June 30, 2026):

  • Promoters: 32.17%
  • Public: 34.50%
  • MF, IFI, Banks: 18.65%
  • FPI: 9.14%
  • QIB: 2.02%
  • Corporate Bodies: 1.10%
  • NRI: 2.42%

Top Institutional Shareholders:

  • HDFC AMC: 9.32%
  • SBI AMC: 8.26%
  • Axis Mutual Fund: 4.93%
  • HSBC Mutual Fund: 3.65%
  • Edelweiss Fund: 3.04%

Board of Directors:

  • Non-Executive Chairman: Shri. G. Mahalingam
  • MD & CEO: Shri. R. Vijay Anandh
  • Executive Director: Shri. V. Ramesh
  • Directors: Prof. V Kamakoti, Shri. K. Vaidyanathan, Shri. T.K. Ramkumar, Smt. Lalitha Rameswaran, Shri. Krishnaswamy Subramanian, Shri. R Mohan

Strategic Initiatives:

  • Focus on SME/MSME segment (37% of loan book)
  • PAN-India presence with 120+ years of operation
  • New digital offerings including ALL IN ONE Mobile Banking App
  • Official Credit Card Partner of Chennai Super Kings (CSK)
  • Official Banking Partner of Sunrisers Hyderabad (SRH)
  • Received "Innovative Bank of the Year" award at India Banking Summit & Awards 2026