Date: 22.07.2026
Financial Results (Standalone & Consolidated)
Performance Highlights for Quarter Ended June 2026:
- Interest Income: ₹6,996 crore (5.10% QoQ growth, 8.72% YoY growth)
- Interest Expenses: ₹4,188 crore (3.60% QoQ growth, 3.84% YoY growth)
- Net Interest Income: ₹2,808 crore (7.42% QoQ growth, 16.86% YoY growth)
- Non-Interest Income: ₹1,686 crore (137.83% QoQ growth, 69.11% YoY growth)
- Total Operating Income: ₹8,682 crore (17.88% QoQ growth, 16.80% YoY growth)
- Operating Expenses: ₹1,685 crore (-3.71% QoQ growth, -8.33% YoY growth)
- Operating Profit: ₹2,810 crore (78.58% QoQ growth, 79.84% YoY growth)
Business Mix (₹ in crore):
Global Business:
- Jun-25: ₹5,23,736
- Mar-26: ₹5,90,314
- Jun-26: ₹6,05,083 (2.50% QoQ growth, 15.53% YoY growth)
Domestic Business:
- Jun-25: ₹4,80,070
- Mar-26: ₹5,39,052
- Jun-26: ₹5,58,899 (3.68% QoQ growth, 16.42% YoY growth)
Global Deposits:
- Jun-25: ₹2,98,635
- Mar-26: ₹3,27,563
- Jun-26: ₹3,32,315 (1.45% QoQ growth, 11.28% YoY growth)
Global Advances:
- Jun-25: ₹2,25,101
- Mar-26: ₹2,62,752
- Jun-26: ₹2,72,768 (3.81% QoQ growth, 21.18% YoY growth)
Credit Growth and Key Ratios:
- Credit Growth (Y-O-Y): 21.18% (Guidance: 12-14%)
- CASA %: 36.94% (Guidance: 37-38%)
- RAM %: 64.52% (Guidance: 62-65%)
- CD Ratio: 82.08% (Guidance: 80-82%)
- Credit Cost: 0.39% (Guidance: <0.75%)
- NIM Global: 3.05% (Guidance: 2.8-2.9%)
- GNPA: 2.08% (Guidance: <2.00%)
- NNPA: 0.25% (Guidance: <0.20%)
- Slippage Ratio: 0.63% (Guidance: <1%)
- Total Recovery & Upgradation: ₹1,271 crore (Guidance: 2000-2500 crore)
Segment-wise Performance:
Agriculture Portfolio (₹ in crore):
- Farm Credit (Crop, Investment & Allied):
- Jun-25: ₹26,159
- Mar-26: ₹32,742
- Jun-26: ₹34,270 (4.67% QoQ growth, 31.01% YoY growth)
- Agri Infrastructure & Ancillary Activities:
- Jun-25: ₹3,802
- Mar-26: ₹4,594
- Jun-26: ₹4,682 (1.92% QoQ growth, 23.15% YoY growth)
- Total Agriculture: ₹38,952 (4.33% QoQ growth, 30.01% YoY growth)
Self Help Groups:
- Number of Groups (Lakhs): 1.90 (1.06% QoQ growth, 3.83% YoY growth)
- Balance Outstanding (Cr.): ₹5,477 (3.09% QoQ growth, 31.66% YoY growth)
- Women Beneficiaries (No in lakhs): 18.24 (1.05% QoQ growth, 8.57% YoY growth)
MSME Portfolio:
- ECLGS-5.0 as on 30.06.2026:
- ECLGS Sanctioned: ₹1,803 crore
- ECLGS Disbursed: ₹1,151 crore
- PMMY (₹ in crore):
- Amount Sanctioned (FY 25-26): ₹7,299
- Amount Disbursed (FY 25-26): ₹7,043
- Amount Sanctioned During Q1 (FY 26-27): ₹1,883
- Amount Disbursed During Q1 (FY 26-27): ₹1,762
- Amount outstanding as on 30.06.2026: ₹8,915
Priority Sector Achievement:
- Priority Sector: 52.35% (Mandatory Target: 40.00%)
- Agriculture: 18.55% (Mandatory Target: 18.00%)
- Small/Marginal Farmer: 10.04% (Mandatory Target: 10.00%)
- Weaker Section: 13.96% (Mandatory Target: 12.00%)
- Micro Under MSME: 15.09% (Mandatory Target: 7.50%)
- Non Corporate Farmers: 16.23% (Mandatory Target: 14.00%)
Sectoral Credit-Advances (Domestic):
- Infrastructure: ₹17,927 crore (7.33% share)
- Power & Energy: ₹9,792 crore (4.00% share)
- Port and Road Project: ₹6,824 crore (2.79% share)
- Other infrastructure: ₹1,312 crore (0.54% share)
- Basic Metal: ₹7,078 crore (2.89% share)
- Textiles: ₹2,100 crore (0.86% share)
- Petroleum and Coal Products: ₹584 crore (0.24% share)
- All Engineering: ₹1,983 crore (0.81% share)
- Food Processing: ₹1,826 crore (0.75% share)
- Commercial Real Estate: ₹1,842 crore (0.75% share)
- NBFC: ₹29,231 crore (11.94% share)
- Other Industries: ₹6,771 crore (2.77% share)
Asset Quality:
NPA Movement (₹ in crore):
- Gross NPA: ₹5,667 (2.08% of advances)
- Net NPA: ₹676 (0.25% of advances)
- PCR % (Incl TWO): 97.85%
- PCR % (Excl TWO): 88.08%
- Slippage Ratio Annualised: 0.63%
- Credit Cost Annualised: 0.39%
Fresh Addition to NPA by Sector (₹ in crore):
- Retail: ₹107
- Agriculture: ₹73
- MSME: ₹229
- RAM: ₹409
- Corporate & Others: ₹14
- Addition to existing NPA: ₹20
- Total: ₹443
Sector-wise Gross NPA (₹ in crore):
- Retail Credit: ₹581 (0.81% of portfolio)
- Home Loan: ₹316 (0.91% of portfolio)
- Education Loan: ₹22 (2.12% of portfolio)
- Vehicle Loan: ₹55 (0.63% of portfolio)
- Personal Loan: ₹39 (1.47% of portfolio)
- Agriculture: ₹3,495 (8.97% of portfolio)
- MSME: ₹1,446 (3.06% of portfolio)
- Corporate: ₹145 (0.17% of portfolio)
- Total Domestic: ₹5,667 (2.32% of portfolio)
- Overseas: ₹0 (0.00% of portfolio)
Balance Sheet Position (₹ in crore):
Capital & Liabilities:
- Capital: ₹12,540
- Reserves & Surplus: ₹21,489
- Deposits: ₹3,32,315
- Borrowings: ₹24,868
- Other Liabilities & Provisions: ₹9,221
- Total: ₹4,00,433
Assets:
- Cash and Balances with RBI: ₹9,595
- Balances with Banks and Money at Call and Short Notice: ₹12,209
- Investments: ₹97,486
- Advances: ₹2,67,776
- Fixed Assets: ₹4,138
- Other Assets: ₹9,229
- Total: ₹4,00,433
Key Financial Indicators:
- Cost of Deposits: 4.70%
- Cost of Funds: 4.36%
- Cost to Income Ratio: 37.49%
- Yield on Advances Domestic: 8.14%
- Yield on Advances Global: 7.79%
- Yield on Investments Domestic: 6.81%
- Yield on Investments Global: 6.66%
- Net Interest Margin (NIM) Domestic: 3.24%
- Net Interest Margin (NIM) Global: 3.05%
- Return on Assets (RoA) Annualised: 0.68%
- Return on Equity (RoE) Annualised: 10.17%
- Earnings per Share (Not Annualised): ₹0.52
- Book Value per Share: ₹22.61
- Business per Employee: ₹28.47 crore
- Business per Branch: ₹176.77 crore
Investment Portfolio (₹ in crore):
- Domestic Investment: ₹94,477
- SLR: ₹69,997 (74.09% of Domestic Investment)
- Non SLR: ₹24,480
- Held To Maturity (HTM): ₹72,071
- Available For Sale (AFS): ₹18,647
- Held For Trading (HFT) & Fair Value through P & L (FVTPL): ₹3,758
- Overseas Investment: ₹3,520
- Total Gross Investment: ₹97,997
- HTM To Gross Domestic Investment: 76.28%
- Total SLR: 21.49%
Other Operational Metrics:
NCLT Exposure as of June 2026:
- Exposure to number of accounts referred under IBC: 275
- Loan Outstanding: ₹16,555 crore
- Total Provisions Held: ₹16,554 crore
- Provision Percentage: 100%
Recovery From NCLT (₹ in crore):
- Through Resolution: ₹101 (6 accounts)
- Under Liquidation: ₹6 (11 accounts)
- Total: ₹107 (17 accounts)