Interest Earned: ₹3,235.40 crore (vs ₹2,807.97 crore in Q2 FY26)
Interest on advances: ₹2,697.71 crore
Income on investments: ₹511.44 crore
Interest on RBI balances: ₹21.76 crore
Other interest: ₹4.49 crore
Other Income: ₹434.81 crore (vs ₹512.32 crore in Q2 FY26)
Total Income: ₹3,670.21 crore (vs ₹3,320.29 crore in Q2 FY26)
Interest Expended: ₹1,738.03 crore (vs ₹1,546.79 crore in Q2 FY26)
Operating Expenses: ₹769.98 crore
Employees cost: ₹398.88 crore
Other operating expenses: ₹371.10 crore
Operating Profit: ₹1,162.20 crore (vs ₹1,017.38 crore in Q2 FY26)
Provisions and Contingencies: ₹118.53 crore (vs ₹274.37 crore in Q2 FY26)
Profit Before Tax: ₹1,043.67 crore (vs ₹743.01 crore in Q2 FY26)
Tax Expense: ₹255.98 crore (vs ₹169.05 crore in Q2 FY26)
Net Profit: ₹787.69 crore (vs ₹573.96 crore in Q2 FY26)
Half-Yearly Performance (H1 FY27 vs H1 FY26)
Total Income: ₹7,161.42 crore (vs ₹6,336.09 crore in H1 FY26)
Net Profit: ₹1,543.39 crore (vs ₹1,095.41 crore in H1 FY26)
Key Ratios and Metrics
Capital Adequacy Ratio (Basel III): 17.97% (vs 16.58% in Q2 FY26)
Gross NPA: ₹765.44 crore (0.69% of advances)
Net NPA: ₹198.63 crore (0.18% of advances)
Return on Assets (annualized): 2.10%
Earnings Per Share (Basic): ₹8.15 for Q2 FY27
Earnings Per Share (Diluted): ₹8.14 for Q2 FY27
Net Worth: ₹15,223.59 crore
Debt/Equity Ratio: 0.06
Provision Coverage Ratio: 96.13%
Segment Reporting
Business Segments Revenue (Q2 FY27)
Treasury: ₹566.56 crore
Corporate/Wholesale Banking: ₹704.84 crore
Retail Banking: ₹2,334.33 crore
Digital Banking: ₹0.06 crore
Other Retail Banking: ₹2,334.27 crore
Other Banking Operations: ₹64.48 crore
Segment Results (Q2 FY27)
Treasury: ₹153.41 crore profit
Corporate/Wholesale Banking: ₹245.91 crore profit
Retail Banking: ₹794.77 crore profit
Digital Banking: ₹(0.07) crore loss
Other Retail Banking: ₹794.84 crore profit
Other Banking Operations: ₹52.21 crore profit
Capital Structure
Paid-up Equity Share Capital: ₹193.34 crore (Face value ₹2 per share)
Reserves: ₹15,199.56 crore
During the quarter, the bank allotted 44,660 equity shares pursuant to exercise of stock options by employees
During the half-year, the bank allotted 67,230 equity shares pursuant to exercise of stock options by employees
Assets and Liabilities Position (as of September 30, 2026)
Deposits: ₹128,123.29 crore
Borrowings: ₹2,320.91 crore
Advances: ₹111,015.22 crore
Investments: ₹27,731.35 crore
Cash and Balances with RBI: ₹569.10 crore
Fixed Assets: ₹512.61 crore
Cash Flow Statement (H1 FY27)
Net Cash from Operating Activities: ₹307.54 crore
Net Cash used in Investing Activities: ₹(46.85) crore
Net Cash used in Financing Activities: ₹(24.95) crore
Net Increase in Cash: ₹235.74 crore
Cash and Equivalents at Period End: ₹766.00 crore
Regulatory Disclosures and Notes
Loan Transfers and Acquisitions
Loans not in default acquired: ₹16,986 lakh with weighted average residual tenor of 140.26 months
NPA loans transferred to ARCs: ₹313 lakh
Recovery Ratings: Book value of ₹1,845 lakh in outstanding SRs
Project Finance Loans
Projects under implementation: 39 accounts with outstanding ₹87,599 lakh
Accounts with resolution process: 1 account with ₹1,404 lakh outstanding
Co-Lending Arrangements
Outstanding cases: 7,350,240
Gross Outstanding: ₹98,036 crore
Weighted Average Interest Rate: 18.62%
Fees charged/paid: ₹14.87 crore
Sectors: Vehicle loan, Gold loan, Secured Loan against property, Unsecured Personal loan, and Home loan
Performance: Standard loans ₹94,097 crore, NPA loans ₹3,939 crore
Default Loss Guarantee arrangements with four entities with varying coverage limits
COVID-19 Resolution Framework
Exposure to standard accounts: ₹27,450 lakh outstanding as of September 30, 2026
Personal Loans: ₹18,123 lakh
Corporate persons: ₹8,276 lakh
Slippage to NPA: ₹190 lakh during half-year
Amount paid by borrowers: ₹280.4 lakh during half-year
Provisions and Contingencies
Floating provision: ₹25 crore created during the quarter, considered as part of Tier II capital
Other provisions include provisions for bad debts, standard assets, taxes, and employee benefits
Auditor Review
Limited review conducted by Joint Statutory Central Auditors: M/s. Kalyaniwalla & Mistry LLP and M/s. Varma & Varma
Unmodified conclusion issued in their limited review report
Pillar 3 disclosures including Leverage Ratio, Liquidity Coverage Ratio and Net Stable Funding Ratio are disclosed on bank's website but not reviewed by auditors
Additional Information
The bank has no subsidiaries/associates/joint ventures
Previous period figures have been re-grouped/re-classified for comparability
Results prepared in accordance with RBI guidelines, Banking Regulation Act, 1949, and applicable accounting standards
