Net Profit: ₹5,537 crores for Q2 FY27 (quarter ended September 30, 2026), up 3.84% quarter-on-quarter from ₹5,332 crores in Q1 FY27 (quarter ended June 30, 2026).
For the half-year ended September 30, 2026, net profit was ₹10,870 crores, up 29.95% year-on-year from ₹8,365 crores in the half-year ended September 30, 2025.
Interest Income: ₹28,158 crores for Q2 FY27, up 3.51% quarter-on-quarter from ₹27,203 crores in Q1 FY27.
Non-Interest Income: ₹4,651 crores for Q2 FY27, up 1.04% quarter-on-quarter from ₹4,603 crores in Q1 FY27.
Interest Expenditure: ₹17,576 crores for Q2 FY27, up 2.39% quarter-on-quarter from ₹17,166 crores in Q1 FY27.
Operating Expenses: ₹7,126 crores for Q2 FY27, up 7.36% quarter-on-quarter from ₹6,638 crores in Q1 FY27.
Net Interest Income (NII): ₹10,583 crores for Q2 FY27, up 5.43% quarter-on-quarter from ₹10,037 crores in Q1 FY27.
Operating Profit: ₹8,108 crores for Q2 FY27, up 1.31% quarter-on-quarter from ₹8,003 crores in Q1 FY27.
Business Growth and Metrics
Total Business: ₹24,75,330 crores as of September 30, 2026, up 4.02% quarter-on-quarter from ₹23,79,697 crores as of June 30, 2026, and up 12.01% year-on-year from ₹22,09,828 crores as of September 30, 2025.
Global Deposits: ₹13,19,455 crores as of September 30, 2026, up 2.81% quarter-on-quarter from ₹12,83,366 crores as of June 30, 2026, and up 6.87% year-on-year from ₹12,34,621 crores as of September 30, 2025.
Current Deposits: ₹81,607 crores, up 10.30% quarter-on-quarter from ₹73,989 crores, and up 29.51% year-on-year from ₹63,010 crores.
Savings Deposits: ₹3,79,121 crores, up 0.75% quarter-on-quarter from ₹3,76,316 crores, and up 11.89% year-on-year from ₹3,38,844 crores.
CASA: ₹4,60,728 crores, up 2.31% quarter-on-quarter from ₹4,50,305 crores, and up 14.65% year-on-year from ₹4,01,854 crores.
CASA Ratio (Domestic): 34.93% as of September 30, 2026, down 17 basis points quarter-on-quarter from 35.10% as of June 30, 2026, but up 237 basis points year-on-year from 32.56% as of September 30, 2025.
Credit-Deposit Ratio (Global): 88.13% as of September 30, 2026, up 203 basis points quarter-on-quarter from 86.10% as of June 30, 2026, and up 846 basis points year-on-year from 79.67% as of September 30, 2025.
Advances Growth
Gross Advances: ₹11,55,876 crores as of September 30, 2026, up 5.43% quarter-on-quarter from ₹10,96,331 crores as of June 30, 2026, and up 18.53% year-on-year from ₹9,75,207 crores as of September 30, 2025.
Retail Advances: ₹2,65,323 crores, up 3.38% quarter-on-quarter from ₹2,56,653 crores, and up 11.24% year-on-year from ₹2,38,506 crores.
Agriculture Advances: ₹1,89,810 crores, up 3.62% quarter-on-quarter from ₹1,83,184 crores, and up 12.71% year-on-year from ₹1,68,405 crores.
MSME Advances: ₹1,80,394 crores, up 7.21% quarter-on-quarter from ₹1,68,258 crores, and up 22.39% year-on-year from ₹1,47,395 crores.
RAM Advances (Retail, Agriculture, MSME): ₹6,35,527 crores, up 4.51% quarter-on-quarter from ₹6,08,095 crores, and up 14.65% year-on-year from ₹5,54,306 crores.
RAM as percentage of Domestic Advances: 57.47% as mentioned in highlights.
Asset Quality
Gross NPA (%): 2.42% as of September 30, 2026, down 23 basis points quarter-on-quarter from 2.65% as of June 30, 2026, and down 87 basis points year-on-year from 3.29% as of September 30, 2025.
Net NPA (%): 0.42% as of September 30, 2026, down 5 basis points quarter-on-quarter from 0.47% as of June 30, 2026, and down 13 basis points year-on-year from 0.55% as of September 30, 2025.
Provision Coverage Ratio (PCR): 95.20% as of September 30, 2026, up 15 basis points quarter-on-quarter from 95.05% as of June 30, 2026, and up 7 basis points year-on-year from 95.13% as of September 30, 2025.
Credit Cost (%): 0.21% for Q2 FY27, down 17 basis points quarter-on-quarter from 0.38% in Q1 FY27, and down 5 basis points year-on-year from 0.29% for the half-year ended September 30, 2026 compared to 0.34% for the half-year ended September 30, 2025.
Capital Ratios
CET-1 Ratio: 16.05% as of September 30, 2026, down 33 basis points quarter-on-quarter from 16.38% as of June 30, 2026, but up 168 basis points year-on-year from 14.37% as of September 30, 2025.
CRAR: 17.94% as of September 30, 2026, down 52 basis points quarter-on-quarter from 18.46% as of June 30, 2026, but up 87 basis points year-on-year from 17.07% as of September 30, 2025.
Returns and Other Ratios
Return on Assets (RoA): 1.38% for Q2 FY27, up 2 basis points quarter-on-quarter from 1.36% in Q1 FY27, and for the half-year ended September 30, 2026, RoA was 1.37%, up 24 basis points year-on-year from 1.13% for the half-year ended September 30, 2025.
Return on Equity (RoE): 17.21% for Q2 FY27, down 2 basis points quarter-on-quarter from 17.23% in Q1 FY27, and for the half-year ended September 30, 2026, RoE was 16.89%, up 205 basis points year-on-year from 14.84% for the half-year ended September 30, 2025.
Net Interest Margin (NIM): 2.86% for Q2 FY27, up 6 basis points quarter-on-quarter from 2.80% in Q1 FY27, and for the half-year ended September 30, 2026, NIM was 2.83%, up 12 basis points year-on-year from 2.71% for the half-year ended September 30, 2025.
Cost of Deposits: 5.01% for Q2 FY27, down 4 basis points quarter-on-quarter from 5.05% in Q1 FY27, and for the half-year ended September 30, 2026, cost of deposits was 5.03%, down 47 basis points year-on-year from 5.50% for the half-year ended September 30, 2025.
Yield on Advances: 7.90% for Q2 FY27, unchanged quarter-on-quarter, and for the half-year ended September 30, 2026, yield on advances was 7.90%, down 52 basis points year-on-year from 8.42% for the half-year ended September 30, 2025.
Cost to Income Ratio: 46.78% for Q2 FY27, up 144 basis points quarter-on-quarter from 45.34% in Q1 FY27, but for the half-year ended September 30, 2026, cost to income ratio was 46.07%, down 386 basis points year-on-year from 49.93% for the half-year ended September 30, 2025.
Network and Operations
Branches: 8713 including foreign branches.
ATMs: 8815.
BC Points: 28654.
MLPs (MSME Loan Points): 138.
RLPs (Retail Loan Points): 143.
Union MSME First Branches: 117.
Gold Loan Points: 1670.
LCBs & MCBs: 11 Large Corporate Branches and 38 Mid Corporate Branches.
SAMBs & ARBs: 3 SAMBs and 27 ARBs.
Financial Inclusion Schemes
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY): 6.23 lakh new enrollments for the quarter ended September 30, 2026.
Pradhan Mantri Suraksha Bima Yojana (PMSBY): 21.76 lakh new enrollments for the quarter ended September 30, 2026.
Pradhan Mantri Jan Dhan Yojana (PMJDY): As of September 30, 2026, 3.49 crore accounts with a balance of ₹16,671 crores, compared to 3.33 crore accounts with a balance of ₹13,864 crores as of September 30, 2025.
Atal Pension Yojana (APY): 2.85 lakh new enrollments for the quarter ended September 30, 2026.
Union Nari Shakti Scheme for Women Entrepreneurs: Sanctioned 1995 applications for ₹346 crores during Q2 FY27.
Green Initiatives
Renewable Energy Sector: Sanctioned ₹39,110 crores as of September 30, 2026.
Union Green Miles: Sanctioned ₹3,731 crores as of September 30, 2026.
Additional Notes
The document is an unaudited financial results press release approved by the Board of Directors.
All figures are in Indian rupees (₹) crores, unless otherwise specified.
Percentage changes and basis point (bps) movements are calculated from the provided data.
No management commentary, guidance, or cash flow details were disclosed in the document.
