Key Financial Figures (₹ in Crores, unless stated otherwise)

Quarter Ended September 30, 2026:

  • Net Profit After Tax: ₹325.60 crores
  • Earnings Per Share (Basic): ₹30.86; (Diluted): ₹30.62
  • Net Worth: ₹4,637.68 crores
  • Operating Margin: 19.87%
  • Net Profit Margin: 9.15%
  • Total Income: ₹18,156.63 million
  • Interest Earned: ₹15,867.83 million
  • Other Income: ₹2,288.80 million
  • Interest Expended: ₹7,682.74 million
  • Operating Expenses: ₹6,737.41 million
  • Provisions and Contingencies: ₹2,032.84 million
  • Profit Before Tax: ₹1,703.64 million

Half-Year Ended September 30, 2026:

  • Net Profit After Tax: ₹651.92 crores (sum of Q1 and Q2)
  • Total Income: ₹35,571.08 million

Capital Structure Ratios:

  • Debt-Equity Ratio: 1.07
  • Total Debts to Total Assets: 10.47%
  • Capital Adequacy Ratio (Basel II): 19.95%

Asset Quality:

  • Gross NPA: 2.34%
  • Net NPA: 1.17%
  • Return on Assets (Annualized): 1.39%

Segment Performance (₹ in millions)

Retail Banking was the largest revenue contributor:

  • Q2 Revenue: ₹23,514.55 million
  • Half-Year Revenue: ₹46,225.15 million

Treasury Segment:

  • Q2 Revenue: ₹4,346.30 million
  • Half-Year Revenue: ₹8,219.03 million

Corporate/Wholesale Banking:

  • Q2 Revenue: ₹1,070.82 million
  • Half-Year Revenue: ₹2,066.33 million

Capital and Liabilities (as of September 30, 2026)

  • Paid-up Equity Share Capital: ₹105.82 crores (face value ₹10 each)
  • Reserves and Surplus: ₹4,676.88 crores
  • Deposits: ₹38,220.80 crores
  • Borrowings: ₹5,247.91 crores
  • Total Assets: ₹50,114.97 crores

Share Capital Changes

During the quarter, the Bank allotted 481,050 shares pursuant to employee stock option exercises. Additionally, 8,843,000 share warrants were issued to investors in the previous quarter, with 25% of the issue price (₹102.76 crores) received. The remaining 75% is payable upon conversion within 18 months.

Auditor Review

The financial results were reviewed by joint auditors S.R. Batliboi & Associates LLP and Batliboi & Purohit, Chartered Accountants, who issued an unmodified review report.

Stressed Assets Disclosure

As per RBI Directions 2025:

  • Exposure to standard accounts post-resolution was ₹7.16 crores as of September 30, 2026 (down from ₹8.59 crores in March 2026)
  • During H1 FY27, ₹0.72 crores of this exposure slipped into NPA
  • The Bank transferred NPAs to ARCs involving 86,498 accounts (details of amounts not provided)
  • Security Receipts outstanding totaled ₹1,553.50 crores with various recovery ratings

Other Disclosures

  • The Bank has no subsidiaries/associates/joint ventures
  • No exposure to project finance
  • No co-lending transactions during the quarter
  • Previous period figures have been reclassified for comparability