Key Financial Performance - Q2 FY2026-27

Profitability Metrics:

  • Net Profit: ₹786 crore for Q2 FY27 vs ₹620 crore in Q2 FY26, showing 26.77% YoY growth
  • Operating Profit: ₹1,872 crore for Q2 FY27, showing 16.04% YoY growth
  • Net Interest Income (NII): ₹2,886 crore for Q2 FY27 vs ₹2,533 crore in Q2 FY26, showing 13.96% YoY growth
  • Fee-based Income: ₹558 crore for Q2 FY27 vs ₹414 crore in Q2 FY26, showing 34.66% YoY growth
  • Net Interest Margin (NIM): Global 3.00% (improved 10 bps YoY), Domestic 3.19% (improved 11 bps YoY)
  • Cost of Funds: 4.44% for Q2 FY27 (improved 13 bps YoY)
  • Yield on Advances (Domestic): 8.11% for Q2 FY27
  • Cost to Income Ratio: 50.39% for Q2 FY27 vs 52.79% in Q2 FY26
  • Return on Assets (ROA): 0.80% as on 30.09.2026 vs 0.71% as on 30.09.2025 (improved 9 bps YoY)

Business Growth (as on 30.09.2026):

  • Total Business: ₹6,37,280 crore, showing 18.81% YoY growth
  • Gross Advances: ₹2,87,690 crore, showing 24.70% YoY growth
  • Total Deposits: ₹3,49,590 crore, showing 14.36% YoY growth
  • CASA: ₹1,22,259 crore, showing 10.59% YoY growth
  • Savings Deposit: ₹1,03,736 crore, showing 9.10% YoY growth
  • Current Deposit: ₹18,523 crore, showing 19.70% YoY growth
  • CASA Ratio: 36.77%
  • Credit to Deposit Ratio: 82.29% vs 75.47% as on 30.09.2025

RAM Segment Advances:

  • Total RAM: ₹1,68,736 crore, showing 26.92% YoY growth
  • Retail Advances: ₹76,817 crore, showing 30.23% YoY growth
  • Home Loan: 20.29% YoY growth
  • Vehicle Loan: 61.91% YoY growth
  • Agriculture Advances: ₹41,014 crore, showing 29.59% YoY growth
  • MSME Advances: ₹50,905 crore, showing 20.32% YoY growth

Asset Quality (as on 30.09.2026)

  • Gross NPA: 1.96% (reduced by 60 bps YoY)
  • Net NPA: 0.18% (reduced by 25 bps YoY)
  • Provision Coverage Ratio: 98.36%
  • Tangible PCR: 90.88%
  • Slippage Ratio: 0.85% (annualized) for Q2 FY27

Capital Adequacy

  • Capital Adequacy Ratio (CRAR): 18.85% as on 30.09.2026
  • Tier I Capital Ratio: 17.27%

Operational Efficiency

  • Business per Employee: ₹30 crore as on 30.09.2026 vs ₹25 crore as on 30.09.2025
  • Business per Branch: ₹185 crore as on 30.09.2026 vs ₹161 crore as on 30.09.2025

Branch Network

  • Total Branches: 3,439 Domestic Branches + 3 International Branches (Hong Kong, Singapore, and IBU Gift City Branch)
  • 61% of Domestic Branches located in Rural & Semi-Urban regions