Summary of Key Information:
Reporting Period: Quarter ended June 30, 2026 (Q1 FY27)
Nature of Filing / Announcement: Unaudited Financial Results submission to stock exchanges
Audit Opinion:
Unmodified limited review report issued by joint statutory central auditors
Key Financial Highlights [Rs. in Lakh]:
Standalone Results:
Revenue from Operations: ₹48,425 (Q4 FY26: ₹51,234, Q1 FY26: ₹40,706)
Total Income: ₹48,425 (Q4 FY26: ₹51,234, Q1 FY26: ₹40,706)
Operating Profit before provisions and contingencies: ₹11,367 (Q4 FY26: ₹5,145, Q1 FY26: ₹3,328)
Provisions (other than tax) and Contingencies: ₹2,110 (Q4 FY26: ₹3,471, Q1 FY26: ₹1,591)
Profit from Ordinary Activities before tax: ₹3,554 (Q4 FY26: ₹7,896, Q1 FY26: ₹1,218)
Tax expense: ₹1,063 (Q4 FY26: ₹3,547, Q1 FY26: ₹-)
Net Profit from Ordinary Activities after tax: ₹4,349 (Q4 FY26: ₹2,491, Q1 FY26: ₹1,218)
Paid-up equity share capital: ₹39,470 (Face value ₹10)
Reserves excluding Revaluation Reserves: ₹1,01,011 (as per previous year balance sheet)
Analytical Ratios:
Capital Adequacy Ratio (Basel III): 19.19% (Q4 FY26: 18.92%, Q1 FY26: 18.26%)
Gross NPA: ₹28,657 (Q4 FY26: ₹28,638, Q1 FY26: ₹40,195)
Net NPA: ₹7,540 (Q4 FY26: ₹7,261, Q1 FY26: ₹13,862)
Gross NPA to Gross Advances: 1.82% (Q4 FY26: 1.89%, Q1 FY26: 3.22%)
Net NPA to Net Advances: 0.47% (Q4 FY26: 0.51%, Q1 FY26: 1.13%)
Return on Assets (Annualized): 0.45% (Q4 FY26: 0.84%, Q1 FY26: 0.27%)
Net Worth: ₹1,30,887 (Q4 FY26: ₹1,26,455, Q1 FY26: ₹1,18,804)
Earnings Per Share (Basic & Diluted): ₹0.63 (Q4 FY26: ₹1.10, Q1 FY26: ₹0.31*)
Operating Margin: 10.62% (Q4 FY26: 22.19%, Q1 FY26: 8.18%)
Segment-wise Performance [Rs. in Lakh]:
Business Segments - Quarter ended June 2026:
Treasury: Revenue ₹7,575, Segment Results ₹890
Retail Banking: Revenue ₹29,670, Segment Results ₹2,180
Corporate/Wholesale Banking: Revenue ₹10,871, Segment Results ₹175
Other Banking Operations: Revenue ₹309, Segment Results ₹309
Segment Assets as of June 2026:
Treasury: ₹4,99,843
Retail Banking: ₹12,28,268
Corporate/Wholesale Banking: ₹4,77,897
Other Banking Operations: Not Specified
Unallocated: ₹6,616
Total Assets: ₹22,12,624
Statement of Assets and Liabilities as on June 30, 2026 [Rs. in Lakh]:
Capital and Liabilities:
Capital: ₹39,470
Reserves and Surplus: ₹1,11,851
Deposits: ₹19,40,405
Borrowings: ₹85,871
Other Liabilities and Provisions: ₹35,027
Total: ₹22,12,624
Assets:
Cash and Balances with Reserve Bank of India: ₹76,411
Balances with Bank and Money at Call and Short Notice: ₹23,526
Investments: ₹4,52,734
Advances: ₹15,57,166
Fixed Assets: ₹32,296
Other Assets: ₹70,491
Total: ₹22,12,624
Projects Under Implementation Disclosure:
Projects under implementation accounts where DCCO achieved during quarter: 3 accounts (₹586.71 lakhs)
Projects under implementation accounts at quarter end: 25 accounts (₹11,040.74 lakhs)
Accounts where resolution process involving DCCO extension invoked: 7 accounts (₹1,937.94 lakhs)
Other Significant Information:
The financial results were reviewed by the Audit Committee and approved by the Board of Directors.
Joint Statutory Central Auditors: M/s Sagar & Associates, Chartered Accountants and M/s Abraham & Jose, Chartered Accountants.
Pillar 3 disclosures under Basel III Framework have been placed on the Bank's website and were not subjected to audit/review.