Financial Performance Highlights (Standalone)

Income Statement (₹ in lakhs):

  • Interest Earned: Q2 FY27: ₹11,92,175; Q1 FY27: ₹11,05,109; Q2 FY26: ₹9,93,689
  • Interest/discount on advances/bills: Q2 FY27: ₹10,16,913
  • Income on investments: Q2 FY27: ₹1,64,920
  • Other Income: Q2 FY27: ₹2,29,603; Q1 FY27: ₹2,30,943; Q2 FY26: ₹1,89,145
  • Total Income: Q2 FY27: ₹14,21,778; Q1 FY27: ₹13,36,052; Q2 FY26: ₹11,82,834
  • Interest Expended: Q2 FY27: ₹5,73,734; Q1 FY27: ₹5,07,869; Q2 FY26: ₹4,82,433
  • Operating Expenses: Q2 FY27: ₹5,94,191; Q1 FY27: ₹5,72,926; Q2 FY26: ₹5,12,391
  • Employees cost: Q2 FY27: ₹1,71,968
  • Other operating expenses: Q2 FY27: ₹4,22,223
  • Operating Profit: Q2 FY27: ₹2,53,853; Q1 FY27: ₹2,55,257; Q2 FY26: ₹1,88,010
  • Provisions (other than tax) and Contingencies (Net): Q2 FY27: ₹1,13,695; Q1 FY27: ₹1,14,388; Q2 FY26: ₹1,45,188
  • Profit Before Tax: Q2 FY27: ₹1,40,158; Q1 FY27: ₹1,40,869; Q2 FY26: ₹42,822
  • Tax Expense: Q2 FY27: ₹35,698; Q1 FY27: ₹33,373; Q2 FY26: ₹7,591
  • Net Profit: Q2 FY27: ₹1,04,460; Q1 FY27: ₹1,07,496; Q2 FY26: ₹35,231

Half-Year Performance (Standalone):

  • Total Income: H1 FY27: ₹27,57,830; H1 FY26: ₹23,69,731
  • Net Profit: H1 FY27: ₹2,11,956; H1 FY26: ₹81,488

Balance Sheet (Standalone) as of September 30, 2026 (₹ in lakhs):

  • Capital and Liabilities:
  • Capital: ₹8,62,283
  • Employees stock options outstanding: ₹33,995
  • Reserves and surplus: ₹40,48,259
  • Deposits: ₹3,48,58,343
  • Borrowings: ₹53,95,636
  • Other liabilities and provisions: ₹18,56,280
  • Total: ₹4,70,54,796
  • Assets:
  • Cash and balances with RBI: ₹11,31,800
  • Balances with banks: ₹3,73,042
  • Investments: ₹1,02,59,292
  • Advances: ₹3,35,64,210
  • Fixed Assets: ₹2,58,090
  • Other Assets: ₹14,68,362
  • Total: ₹4,70,54,796

Key Ratios (Standalone):

  • Capital Adequacy Ratio (Basel III): 14.67% (Q2 FY27) vs 15.05% (Q1 FY27) vs 14.11% (Q2 FY26)
  • Earnings Per Share (Basic): Q2 FY27: ₹1.21; Q1 FY27: ₹1.25; Q2 FY26: ₹0.36
  • NPA Ratios:
  • Gross NPAs: ₹4,46,665 (1.32% of gross advances)
  • Net NPAs: ₹1,33,410 (0.40% of net advances)
  • Return on Assets (annualized): 0.93%
  • Net Worth: ₹48,21,466
  • Debt-Equity Ratio: 0.55
  • Total Debts to Total Assets: 11.47%

Segment-wise Performance (Standalone) for Q2 FY27 (₹ in lakhs):

  • Treasury: Revenue: ₹8,21,902; Result: ₹3,593
  • Wholesale Banking: Revenue: ₹3,45,945; Result: ₹46,063
  • Retail Banking: Revenue: ₹15,82,105; Result: ₹1,01,327
  • Digital Banking: Revenue: ₹2,59,016; Result: ₹11,203
  • Other Retail Banking: Revenue: ₹13,23,089; Result: ₹90,124
  • Other Banking Business: Revenue: ₹24,327; Result: ₹9,208

Employee Stock Options:

During Q2 FY27, the Bank issued 80,89,327 equity shares (face value ₹10) pursuant to exercise of options under Employee Stock Option Scheme. During H1 FY27, total 2,11,25,873 equity shares were issued.

Regulatory Disclosures:

  • The financial results were reviewed by Audit Committee on October 23, 2026 and approved by Board on October 24, 2026.
  • Limited Review Report issued by Joint Statutory Auditors M.P. Chitale & Co. and Walker Chandiok & Co LLP with unmodified conclusion.
  • Pillar 3 disclosures including leverage ratio, liquidity coverage ratio and net stable funding ratio under Basel III are available on bank's website and were not reviewed by auditors.

COVID-19 Resolution Framework Disclosure as of September 30, 2026 (₹ in crore):

  • Total exposure to restructured standard accounts: ₹172.35
  • Amount slipped into NPA during half-year: ₹3.29
  • Amount paid by borrowers during half-year: ₹23.50
  • Outstanding standard exposure: ₹145.54

Co-Lending Arrangements as of September 30, 2026:

  • Number of CLA partners: 3
  • Number of outstanding cases: 31,276
  • Amount outstanding: ₹561.86 crore
  • Weighted average interest rate: 17.13%
  • Standard loans: ₹561.58 crore; NPA loans: ₹0.28 crore
  • Default Loss Guarantee: ₹11.10 crore

Project Finance Disclosure for Q2 FY27:

  • Projects under implementation at quarter end: 19 accounts
  • Total outstanding: ₹2,012.06 crore

Consolidated Financial Highlights:

  • Net Profit: Q2 FY27: ₹1,04,917; Q1 FY27: ₹1,14,782; Q2 FY26: ₹34,780
  • Total Income: Q2 FY27: ₹14,22,846; Q1 FY27: ₹13,36,069; Q2 FY26: ₹11,82,841
  • EPS (Basic): Q2 FY27: ₹1.22; Q1 FY27: ₹1.33; Q2 FY26: ₹0.35

The financial results have been prepared in accordance with Banking Regulation Act, 1949, AS 25, RBI guidelines, and SEBI Listing Regulations.