Summary of Key Information:
Reporting Period: Quarter and Half Year ended September 30, 2026
Nature of Filing / Announcement: Unaudited Financial Results (Limited Reviewed)
Date of Board Meeting / Approval: October 23, 2026
Audit Opinion: Unmodified (Clean)
Auditor's Comment: No qualifications or modifications. The review report states "nothing has come to our attention that causes us to believe that the accompanying Statement... contains any material misstatement."
Key Financial Highlights [₹ crore]:
Standalone Results:
Quarter Ended September 30, 2026:
- Revenue from Operations: Not separately specified
- Total Income: ₹2,299.75 crore (Q2 FY26: ₹2,008.84 crore, +14.5% YoY)
- Net Profit: ₹236.39 crore (Q2 FY26: ₹183.91 crore, +28.5% YoY)
- EPS: Basic ₹7.34, Diluted ₹7.29 (Q2 FY26: Basic ₹5.84, Diluted ₹5.81)
- Interest Earned: ₹2,050.43 crore (Q2 FY26: ₹1,822.75 crore, +12.5% YoY)
- Interest Expended: ₹1,351.75 crore (Q2 FY26: ₹1,226.54 crore, +10.2% YoY)
- Net Interest Income: ₹698.68 crore (calculated)
- Operating Profit: ₹382.59 crore (Q2 FY26: ₹303.92 crore, +25.9% YoY)
- Provisions: ₹64.54 crore (Q2 FY26: ₹60.53 crore)
Half Year Ended September 30, 2026:
- Total Income: ₹4,480.39 crore (H1 FY26: ₹4,058.53 crore, +10.4% YoY)
- Net Profit: ₹449.59 crore (H1 FY26: ₹341.17 crore, +31.8% YoY)
- EPS: Basic ₹13.96, Diluted ₹13.86 (H1 FY26: Basic ₹10.85, Diluted ₹10.78)
Balance Sheet Position as at September 30, 2026:
- Paid-up Equity Share Capital: ₹322.19 crore (Face value ₹10)
- Reserves & Surplus: ₹6,610.19 crore
- Net Worth: ₹6,387.53 crore (September 2025: ₹5,557.21 crore)
- Deposits: ₹76,838.97 crore (September 2025: ₹64,776.52 crore, +18.6%)
- Borrowings: ₹5,750.56 crore (September 2025: ₹5,928.85 crore)
- Advances: ₹64,126.59 crore (September 2025: ₹52,974.54 crore, +21.1%)
- Investments: ₹21,374.57 crore
- Cash and Balances with RBI: ₹2,321.22 crore
- Total Assets: ₹92,647.58 crore
Asset Quality:
- Gross NPAs: ₹1,489.12 crore (2.29% of gross advances)
- Net NPAs: ₹465.29 crore (0.73% of net advances)
- Provision Coverage: Not specified
- Gross NPA ratio improved from 2.91% (September 2025) to 2.29% (September 2026)
- Net NPA ratio improved from 1.21% (September 2025) to 0.73% (September 2026)
Key Ratios:
- Capital Adequacy Ratio (Basel III): 16.63% (September 2025: 16.41%)
- Return on Assets (Annualized): 1.03% (Q2 FY26: 0.94%)
- Debt-Equity Ratio: 0.40 (September 2025: 0.29)
- Total Debt to Total Assets: 6.21%
Segment-wise Performance [₹ crore]:
Quarter Ended September 30, 2026:
- Treasury Operations: Revenue ₹561.56 crore, Profit ₹36.77 crore
- Corporate/Wholesale Banking: Revenue ₹151.72 crore, Profit ₹42.58 crore
- Retail Banking: Revenue ₹1,927.55 crore, Profit ₹192.02 crore
- Other Banking Operations: Revenue ₹57.19 crore, Profit ₹55.38 crore
Half Year Ended September 30, 2026:
- Treasury Operations: Revenue ₹1,051.77 crore, Profit ₹48.97 crore
- Corporate/Wholesale Banking: Revenue ₹301.37 crore, Profit ₹85.92 crore
- Retail Banking: Revenue ₹3,771.84 crore, Profit ₹383.16 crore
- Other Banking Operations: Revenue ₹109.41 crore, Profit ₹104.92 crore
Corporate Actions:
Not Specified
Other Significant Information:
- The Bank does not have any Digital Banking Units (DBUs)
- The Bank does not have any subsidiaries/associates/joint ventures
- Previous period figures have been regrouped/reclassified where necessary