Key Financial Performance (Q1 FY27)
Profitability Metrics:
- Net Profit: ₹331 crore, showing 23.05% YoY growth but (21.56%) QoQ decline from ₹422 crore in Mar'26
- Operating Profit: ₹545 crore, with 0.93% YoY and 0.55% QoQ growth
- Net Interest Income: ₹1,038 crore, growing 15.33% YoY and 6.46% QoQ
- Non-Interest Income: ₹332 crore, declining (29.21%) YoY and (22.25%) QoQ
- Provisions (other than tax): ₹94 crore, showing (56.68%) YoY change
- Provision for Tax: ₹120 crore, increasing 122.22% YoY but declining (37.82%) QoQ
Income Statement Details:
- Interest Income: ₹3,213 crore (10.41% YoY, 6.04% QoQ growth)
- Interest on Advances: ₹2,349 crore (14.25% YoY, 7.85% QoQ)
- Interest on Investments: ₹847 crore (3.55% YoY, 2.42% QoQ)
- Interest Expenses: ₹2,175 crore (8.21% YoY, 5.84% QoQ)
- Interest on Deposits: ₹1,943 crore (8.73% YoY, 5.60% QoQ)
Balance Sheet Position (as of June 30, 2026):
- Total Business: ₹266,420 crore (15.27% YoY growth)
- Total Deposits: ₹147,130 crore (12.16% YoY, 0.89% QoQ growth)
- CASA Deposits: ₹44,225 crore (10.20% YoY growth, but (1.45%) QoQ decline)
- CASA Ratio: 30.06% (declining 71 bps QoQ and 53 bps YoY)
- Term Deposits: ₹102,905 crore (13.02% YoY, 1.93% QoQ growth)
- Gross Advances: ₹119,290 crore (19.35% YoY, 1.25% QoQ growth)
- CD Ratio: 81.08% (increased 489 bps YoY and 28 bps QoQ)
Segment-wise Business Performance
RAM Segment Composition:
- Retail Advances: ₹30,799 crore (36.44% YoY, 12.00% QoQ growth) - 25.82% of total advances
- Agriculture Advances: ₹15,959 crore (25.85% YoY growth, but (3.92%) QoQ decline) - 13.38% of total advances
- MSME Advances: ₹24,838 crore (32.71% YoY growth, but (1.32%) QoQ decline) - 20.82% of total advances
- Total RAM: ₹71,596 crore (32.66% YoY, 3.35% QoQ growth) - 60.02% of total advances
- Corporate Advances: ₹47,694 crore (3.73% YoY growth, but (1.76%) QoQ decline)
Retail Portfolio Breakdown (₹30,799 crore):
- Home Loans: ₹13,471 crore (43.74% share)
- Vehicle Loans: ₹4,058 crore (13.18% share)
- Gold Loans: ₹7,863 crore (25.53% share)
- Personal Loan: ₹1,105 crore (3.59% share)
- Others: ₹4,302 crore (13.97% share)
Asset Quality Metrics
NPA Movement (Q1 FY27):
- Gross NPA Opening Balance: ₹2,831 crore
- Cash Recoveries: ₹98 crore
- Upgradations: ₹153 crore
- Technical Write-off: ₹162 crore
- Fresh Slippage: ₹207 crore
- Gross NPA: ₹2,637 crore (2.21% of advances)
- Net NPA: ₹766 crore (0.65% of advances)
- Recovery in Written Off Accounts: ₹115 crore
- Total Recovery & Upgradation: ₹366 crore
Sector-wise NPA (June 2026):
- Retail: ₹293 crore (0.95% GNPA, 0.39% NNPA)
- Agriculture: ₹1,203 crore (7.54% GNPA, 2.35% NNPA)
- MSME: ₹960 crore (3.87% GNPA, 1.63% NNPA)
- Corporate: ₹180 crore (0.38% GNPA)
Capital Adequacy
- CET I (Including CCB): 16.56% (₹13,541 crore) against 8.00% regulatory requirement
- Tier I Capital: 16.56% (₹13,541 crore) against 9.50% regulatory requirement
- Tier II Capital: 1.05% (₹862 crore)
- Total Capital Adequacy: 17.61% (₹14,403 crore) against 11.50% regulatory requirement
- Risk Weighted Assets: ₹81,777 crore
Shareholding Pattern & Capital Structure
- Share Capital: ₹7,095.59 crore (709.56 crore shares)
- Net Worth: ₹12,500 crore
- Book Value Per Share: ₹17.62
- Government of India Holding: 93.85%
- LIC Holding: 1.33%
- Others: 4.82%
Digital Initiatives & Performance
- Digital Transactions: 19.02 crore (19.40% YoY growth)
- UPI Transactions: 27.10 crore (21.52% YoY growth)
- PSB UniC Registrations: 11.62 lakh (18.94% YoY growth)
- UPI Users: 32.51 lakh (20.94% YoY growth)
- Digital Channels account for 95% of total transactions
- Digital Deposit Journey: 60,355 Term Deposits amounting to ₹1,451 crore
ESG Initiatives
- Mobilized ₹411.79 crore in renewable energy sector financing
- Sanctioned ₹266.57 crore under PSB e-Vahan for electric vehicles
- Installed rooftop solar power systems in premises
- Trained 272 trainees in 09 RSETI batches during Q1
- Unbanked 86,063 persons under PMJDY during Q1
Branch Network
- Total Branches: 1,679
- Regional Distribution: Northern (964), Central (383), Eastern (122), Western (89), Southern (82), North-Eastern (39)
FY2026-27 Guidance
- Deposit Growth: 13-14% YoY
- Advances Growth: 16-18% YoY
- RAM % to Total Advances: >60%
- Gross NPA: <2.0%
- Net NPA: <0.65%
- PCR: 92-93%
- Recovery & Upgradation: >₹1,000 crore
- Credit Cost (Annualized): <1%
- Slippage Ratio (Annualized): <1%