Overview
Small Finance Banks · ₹ Crores
—
Deposit Growth
FY22 → FY26
—
NPA Cleanup
GNPA% · FY22 → FY26
—
Net Worth Growth
FY22 → FY25
—
Net Advances Growth
Net Advances · FY22 → FY25
Bank OverviewClick any bank to view details
About AU Small Finance Bank
AU Small Finance Bank (formerly AU Financiers) is one of India's largest SFBs, headquartered in Jaipur. It serves over 1 crore customers across 22+ states and received its commercial banking licence from the RBI in 2024, making it the first SFB to graduate to a universal bank.
About Capital Small Finance Bank
Capital Small Finance Bank, headquartered in Phagwara, Punjab, is one of the oldest SFBs converted from Capital Local Area Bank (est. 1999). It primarily serves agricultural and semi-urban segments of Punjab with a strong CASA franchise and prudent credit culture.
About ESAF Small Finance Bank
ESAF Small Finance Bank, headquartered in Thrissur, Kerala, evolved from ESAF Microfinance. It serves the underbanked population across southern India with microfinance, retail and gold loan products. The bank has faced earnings pressure due to elevated NPA levels in its MFI portfolio since FY25.
About Jana Small Finance Bank
Jana Small Finance Bank, headquartered in Bengaluru, was established in 2018 from Janalakshmi Financial Services. It serves urban and semi-urban microfinance customers with diversified products including MSME loans, home loans and fixed deposits.
About Equitas Small Finance Bank
Equitas Small Finance Bank, headquartered in Chennai, is one of the leading SFBs with a diversified loan portfolio spanning vehicle finance, microfinance, housing and MSME loans. It operates primarily across southern India and has navigated asset quality challenges in its MFI book since FY25.
About Ujjivan Small Finance Bank
Ujjivan Small Finance Bank, headquartered in Bengaluru, was established in 2017 from Ujjivan Financial Services. It reported significant earnings pressure in FY25 due to stress in its micro banking segment, resulting in elevated provisions and reduced profitability.
About Utkarsh Small Finance Bank
Utkarsh Small Finance Bank, headquartered in Varanasi, primarily serves the underbanked population of eastern and northern India. The bank faced significant stress in FY25 due to rapid deterioration in microfinance asset quality, resulting in large credit costs and net losses through FY26.
About Suryoday Small Finance Bank
Suryoday Small Finance Bank, headquartered in Navi Mumbai, converted from Suryoday Micro Finance in 2017. It serves urban and semi-urban customers with income generation loans, MSME financing and retail liabilities. The bank has been impacted by industry-wide microfinance stress in FY25.
P&L Summary
Total Net Interest Income
₹11,483 Cr
Base Year
Total Other Income
₹2,707 Cr
Base Year
Total Net Profit (PAT)
₹1,087 Cr
Base Year
Total Operating Expenses
₹8,958 Cr
Base Year
Total PPOP
₹5,233 Cr
Base Year
Total Provisions
₹3,799 Cr
Base Year
Balance Sheet
Total Gross Advances
₹1,31,314 Cr
Base Year
Total Net Advances
₹1,26,705 Cr
Base Year
Total Deposits
₹1,36,153 Cr
Base Year
Total Assets
₹1,87,924 Cr
Base Year
Total Networth
₹20,175 Cr
—
Avg CASA %
30.6%
Base Year
Asset Quality
Avg GNPA %
5.94%
Base Year
Avg NNPA %
2.64%
Base Year
Avg PCR %
57.0%
Base Year
Bank OverviewClick any bank to view details
About AU Small Finance Bank
AU Small Finance Bank (formerly AU Financiers) is one of India's largest SFBs, headquartered in Jaipur. It serves over 1 crore customers across 22+ states and received its commercial banking licence from the RBI in 2024, making it the first SFB to graduate to a universal bank.
About Capital Small Finance Bank
Capital Small Finance Bank, headquartered in Phagwara, Punjab, is one of the oldest SFBs converted from Capital Local Area Bank (est. 1999). It primarily serves agricultural and semi-urban segments of Punjab with a strong CASA franchise and prudent credit culture.
About ESAF Small Finance Bank
ESAF Small Finance Bank, headquartered in Thrissur, Kerala, evolved from ESAF Microfinance. It serves the underbanked population across southern India with microfinance, retail and gold loan products. The bank has faced earnings pressure due to elevated NPA levels in its MFI portfolio since FY25.
About Jana Small Finance Bank
Jana Small Finance Bank, headquartered in Bengaluru, was established in 2018 from Janalakshmi Financial Services. It serves urban and semi-urban microfinance customers with diversified products including MSME loans, home loans and fixed deposits.
About Equitas Small Finance Bank
Equitas Small Finance Bank, headquartered in Chennai, is one of the leading SFBs with a diversified loan portfolio spanning vehicle finance, microfinance, housing and MSME loans. It operates primarily across southern India and has navigated asset quality challenges in its MFI book since FY25.
About Ujjivan Small Finance Bank
Ujjivan Small Finance Bank, headquartered in Bengaluru, was established in 2017 from Ujjivan Financial Services. It reported significant earnings pressure in FY25 due to stress in its micro banking segment, resulting in elevated provisions and reduced profitability.
About Utkarsh Small Finance Bank
Utkarsh Small Finance Bank, headquartered in Varanasi, primarily serves the underbanked population of eastern and northern India. The bank faced significant stress in FY25 due to rapid deterioration in microfinance asset quality, resulting in large credit costs and net losses through FY26.
About Suryoday Small Finance Bank
Suryoday Small Finance Bank, headquartered in Navi Mumbai, converted from Suryoday Micro Finance in 2017. It serves urban and semi-urban customers with income generation loans, MSME financing and retail liabilities. The bank has been impacted by industry-wide microfinance stress in FY25.
P&L Summary
Total Net Interest Income
₹15,762 Cr
↑ 37.3% vs FY22
FY22₹11,483 Cr
Total Other Income
₹3,623 Cr
↑ 33.8% vs FY22
FY22₹2,707 Cr
Total Net Profit (PAT)
₹4,236 Cr
↑ 289.5% vs FY22
FY22₹1,087 Cr
Total Operating Expenses
₹11,515 Cr
↑ 28.5% vs FY22
FY22₹8,958 Cr
Total PPOP
₹7,870 Cr
↑ 50.4% vs FY22
FY22₹5,233 Cr
Total Provisions
₹2,346 Cr
↓ 38.3% vs FY22
FY22₹3,799 Cr
Balance Sheet
Total Gross Advances
₹1,68,800 Cr
↑ 28.5% vs FY22
FY22₹1,31,314 Cr
Total Net Advances
₹1,61,706 Cr
↑ 27.6% vs FY22
FY22₹1,26,705 Cr
Total Deposits
₹1,76,721 Cr
↑ 29.8% vs FY22
FY22₹1,36,153 Cr
Total Assets
₹2,41,328 Cr
↑ 28.4% vs FY22
FY22₹1,87,924 Cr
Total Networth
₹27,281 Cr
↑ 35.2% vs FY22
FY22₹20,175 Cr
Avg CASA %
28.6%
↓ 205 bps vs FY22
FY2230.6%
Asset Quality
Avg GNPA %
2.86%
↓ 308 bps vs FY22
FY225.94%
Avg NNPA %
1.09%
↓ 155 bps vs FY22
FY222.64%
Avg PCR %
63.8%
↑ 680 bps vs FY22
FY2257.0%
Bank OverviewClick any bank to view details
About AU Small Finance Bank
AU Small Finance Bank (formerly AU Financiers) is one of India's largest SFBs, headquartered in Jaipur. It serves over 1 crore customers across 22+ states and received its commercial banking licence from the RBI in 2024, making it the first SFB to graduate to a universal bank.
About Capital Small Finance Bank
Capital Small Finance Bank, headquartered in Phagwara, Punjab, is one of the oldest SFBs converted from Capital Local Area Bank (est. 1999). It primarily serves agricultural and semi-urban segments of Punjab with a strong CASA franchise and prudent credit culture.
About ESAF Small Finance Bank
ESAF Small Finance Bank, headquartered in Thrissur, Kerala, evolved from ESAF Microfinance. It serves the underbanked population across southern India with microfinance, retail and gold loan products. The bank has faced earnings pressure due to elevated NPA levels in its MFI portfolio since FY25.
About Jana Small Finance Bank
Jana Small Finance Bank, headquartered in Bengaluru, was established in 2018 from Janalakshmi Financial Services. It serves urban and semi-urban microfinance customers with diversified products including MSME loans, home loans and fixed deposits.
About Equitas Small Finance Bank
Equitas Small Finance Bank, headquartered in Chennai, is one of the leading SFBs with a diversified loan portfolio spanning vehicle finance, microfinance, housing and MSME loans. It operates primarily across southern India and has navigated asset quality challenges in its MFI book since FY25.
About Ujjivan Small Finance Bank
Ujjivan Small Finance Bank, headquartered in Bengaluru, was established in 2017 from Ujjivan Financial Services. It reported significant earnings pressure in FY25 due to stress in its micro banking segment, resulting in elevated provisions and reduced profitability.
About Utkarsh Small Finance Bank
Utkarsh Small Finance Bank, headquartered in Varanasi, primarily serves the underbanked population of eastern and northern India. The bank faced significant stress in FY25 due to rapid deterioration in microfinance asset quality, resulting in large credit costs and net losses through FY26.
About Suryoday Small Finance Bank
Suryoday Small Finance Bank, headquartered in Navi Mumbai, converted from Suryoday Micro Finance in 2017. It serves urban and semi-urban customers with income generation loans, MSME financing and retail liabilities. The bank has been impacted by industry-wide microfinance stress in FY25.
P&L Summary
Total Net Interest Income
₹19,336 Cr
↑ 22.7% vs FY23
FY23₹15,762 Cr
Total Other Income
₹5,132 Cr
↑ 41.7% vs FY23
FY23₹3,623 Cr
Total Net Profit (PAT)
₹5,535 Cr
↑ 30.7% vs FY23
FY23₹4,236 Cr
Total Operating Expenses
₹14,697 Cr
↑ 27.6% vs FY23
FY23₹11,515 Cr
Total PPOP
₹9,772 Cr
↑ 24.2% vs FY23
FY23₹7,870 Cr
Total Provisions
₹2,750 Cr
↑ 17.2% vs FY23
FY23₹2,346 Cr
Balance Sheet
Total Gross Advances
₹2,13,073 Cr
↑ 26.2% vs FY23
FY23₹1,68,800 Cr
Total Net Advances
₹2,02,932 Cr
↑ 25.5% vs FY23
FY23₹1,61,706 Cr
Total Deposits
₹2,29,940 Cr
↑ 30.1% vs FY23
FY23₹1,76,721 Cr
Total Assets
₹2,99,524 Cr
↑ 24.1% vs FY23
FY23₹2,41,328 Cr
Total Networth
₹35,463 Cr
↑ 30.0% vs FY23
FY23₹27,281 Cr
Avg CASA %
26.6%
↓ 193 bps vs FY23
FY2328.6%
Asset Quality
Avg GNPA %
2.70%
↓ 16 bps vs FY23
FY232.86%
Avg NNPA %
0.89%
↓ 20 bps vs FY23
FY231.09%
Avg PCR %
69.8%
↑ 600 bps vs FY23
FY2363.8%
Bank OverviewClick any bank to view details
About AU Small Finance Bank
AU Small Finance Bank (formerly AU Financiers) is one of India's largest SFBs, headquartered in Jaipur. It serves over 1 crore customers across 22+ states and received its commercial banking licence from the RBI in 2024, making it the first SFB to graduate to a universal bank.
About Capital Small Finance Bank
Capital Small Finance Bank, headquartered in Phagwara, Punjab, is one of the oldest SFBs converted from Capital Local Area Bank (est. 1999). It primarily serves agricultural and semi-urban segments of Punjab with a strong CASA franchise and prudent credit culture.
About ESAF Small Finance Bank
ESAF Small Finance Bank, headquartered in Thrissur, Kerala, evolved from ESAF Microfinance. It serves the underbanked population across southern India with microfinance, retail and gold loan products. The bank has faced earnings pressure due to elevated NPA levels in its MFI portfolio since FY25.
About Jana Small Finance Bank
Jana Small Finance Bank, headquartered in Bengaluru, was established in 2018 from Janalakshmi Financial Services. It serves urban and semi-urban microfinance customers with diversified products including MSME loans, home loans and fixed deposits.
About Equitas Small Finance Bank
Equitas Small Finance Bank, headquartered in Chennai, is one of the leading SFBs with a diversified loan portfolio spanning vehicle finance, microfinance, housing and MSME loans. It operates primarily across southern India and has navigated asset quality challenges in its MFI book since FY25.
About Ujjivan Small Finance Bank
Ujjivan Small Finance Bank, headquartered in Bengaluru, was established in 2017 from Ujjivan Financial Services. It reported significant earnings pressure in FY25 due to stress in its micro banking segment, resulting in elevated provisions and reduced profitability.
About Utkarsh Small Finance Bank
Utkarsh Small Finance Bank, headquartered in Varanasi, primarily serves the underbanked population of eastern and northern India. The bank faced significant stress in FY25 due to rapid deterioration in microfinance asset quality, resulting in large credit costs and net losses through FY26.
About Suryoday Small Finance Bank
Suryoday Small Finance Bank, headquartered in Navi Mumbai, converted from Suryoday Micro Finance in 2017. It serves urban and semi-urban customers with income generation loans, MSME financing and retail liabilities. The bank has been impacted by industry-wide microfinance stress in FY25.
P&L Summary
Total Net Interest Income
₹22,882 Cr
↑ 18.3% vs FY24
FY24₹19,336 Cr
Total Other Income
₹6,468 Cr
↑ 26.0% vs FY24
FY24₹5,132 Cr
Total Net Profit (PAT)
₹3,229 Cr
↓ 41.7% vs FY24
FY24₹5,535 Cr
Total Operating Expenses
₹18,286 Cr
↑ 24.4% vs FY24
FY24₹14,697 Cr
Total PPOP
₹11,064 Cr
↑ 13.2% vs FY24
FY24₹9,772 Cr
Total Provisions
₹6,950 Cr
↑ 152.7% vs FY24
FY24₹2,750 Cr
Balance Sheet
Total Gross Advances
₹2,62,417 Cr
↑ 23.2% vs FY24
FY24₹2,13,073 Cr
Total Net Advances
₹2,55,656 Cr
↑ 26.0% vs FY24
FY24₹2,02,932 Cr
Total Deposits
₹2,97,870 Cr
↑ 29.5% vs FY24
FY24₹2,29,940 Cr
Total Assets
₹3,77,862 Cr
↑ 26.2% vs FY24
FY24₹2,99,524 Cr
Total Networth
₹40,436 Cr
↑ 14.0% vs FY24
FY24₹35,463 Cr
Avg CASA %
25.7%
↓ 91 bps vs FY24
FY2426.6%
Asset Quality
Avg GNPA %
4.51%
↑ 181 bps vs FY24
FY242.70%
Avg NNPA %
2.11%
↑ 122 bps vs FY24
FY240.89%
Avg PCR %
59.6%
↓ 1026 bps vs FY24
FY2469.8%
Bank OverviewClick any bank to view details
About AU Small Finance Bank
AU Small Finance Bank (formerly AU Financiers) is one of India's largest SFBs, headquartered in Jaipur. It serves over 1 crore customers across 22+ states and received its commercial banking licence from the RBI in 2024, making it the first SFB to graduate to a universal bank.
About Capital Small Finance Bank
Capital Small Finance Bank, headquartered in Phagwara, Punjab, is one of the oldest SFBs converted from Capital Local Area Bank (est. 1999). It primarily serves agricultural and semi-urban segments of Punjab with a strong CASA franchise and prudent credit culture.
About ESAF Small Finance Bank
ESAF Small Finance Bank, headquartered in Thrissur, Kerala, evolved from ESAF Microfinance. It serves the underbanked population across southern India with microfinance, retail and gold loan products. The bank has faced earnings pressure due to elevated NPA levels in its MFI portfolio since FY25.
About Jana Small Finance Bank
Jana Small Finance Bank, headquartered in Bengaluru, was established in 2018 from Janalakshmi Financial Services. It serves urban and semi-urban microfinance customers with diversified products including MSME loans, home loans and fixed deposits.
About Equitas Small Finance Bank
Equitas Small Finance Bank, headquartered in Chennai, is one of the leading SFBs with a diversified loan portfolio spanning vehicle finance, microfinance, housing and MSME loans. It operates primarily across southern India and has navigated asset quality challenges in its MFI book since FY25.
About Ujjivan Small Finance Bank
Ujjivan Small Finance Bank, headquartered in Bengaluru, was established in 2017 from Ujjivan Financial Services. It reported significant earnings pressure in FY25 due to stress in its micro banking segment, resulting in elevated provisions and reduced profitability.
About Utkarsh Small Finance Bank
Utkarsh Small Finance Bank, headquartered in Varanasi, primarily serves the underbanked population of eastern and northern India. The bank faced significant stress in FY25 due to rapid deterioration in microfinance asset quality, resulting in large credit costs and net losses through FY26.
About Suryoday Small Finance Bank
Suryoday Small Finance Bank, headquartered in Navi Mumbai, converted from Suryoday Micro Finance in 2017. It serves urban and semi-urban customers with income generation loans, MSME financing and retail liabilities. The bank has been impacted by industry-wide microfinance stress in FY25.
P&L Summary
Total Net Interest Income
₹23,709 Cr
↑ 3.6% vs FY25
FY25₹22,882 Cr
Total Other Income
₹5,881 Cr
↓ 9.1% vs FY25
FY25₹6,468 Cr
Total Net Profit (PAT)
₹2,739 Cr
↓ 15.2% vs FY25
FY25₹3,229 Cr
Total Operating Expenses
₹15,285 Cr
↓ 16.4% vs FY25
FY25₹18,286 Cr
Total PPOP
₹7,604 Cr
↓ 31.3% vs FY25
FY25₹11,064 Cr
Total Provisions
₹5,897 Cr
↓ 15.1% vs FY25
FY25₹6,950 Cr
Balance Sheet
Total Gross Advances
₹3,20,929 Cr
↑ 22.3% vs FY25
FY25₹2,62,417 Cr
Total Net Advances
₹3,11,730 Cr
↑ 21.9% vs FY25
FY25₹2,55,656 Cr
Total Deposits
₹3,52,163 Cr
↑ 18.2% vs FY25
FY25₹2,97,870 Cr
Total Assets
₹4,49,162 Cr
↑ 18.9% vs FY25
FY25₹3,77,862 Cr
Total Networth
₹43,772 Cr
↑ 8.2% vs FY25
FY25₹40,436 Cr
Avg CASA %
25.4%
↓ 33 bps vs FY25
FY2525.7%
Asset Quality
Avg GNPA %
3.78%
↓ 73 bps vs FY25
FY254.51%
Avg NNPA %
2.00%
↓ 10 bps vs FY25
FY252.11%
Avg PCR %
59.0%
↓ 55 bps vs FY25
FY2559.6%
Bank OverviewClick any bank to view details
About AU Small Finance Bank
AU Small Finance Bank (formerly AU Financiers) is one of India's largest SFBs, headquartered in Jaipur. It serves over 1 crore customers across 22+ states and received its commercial banking licence from the RBI in 2024, making it the first SFB to graduate to a universal bank.
About Capital Small Finance Bank
Capital Small Finance Bank, headquartered in Phagwara, Punjab, is one of the oldest SFBs converted from Capital Local Area Bank (est. 1999). It primarily serves agricultural and semi-urban segments of Punjab with a strong CASA franchise and prudent credit culture.
About ESAF Small Finance Bank
ESAF Small Finance Bank, headquartered in Thrissur, Kerala, evolved from ESAF Microfinance. It serves the underbanked population across southern India with microfinance, retail and gold loan products. The bank has faced earnings pressure due to elevated NPA levels in its MFI portfolio since FY25.
About Jana Small Finance Bank
Jana Small Finance Bank, headquartered in Bengaluru, was established in 2018 from Janalakshmi Financial Services. It serves urban and semi-urban microfinance customers with diversified products including MSME loans, home loans and fixed deposits.
About Equitas Small Finance Bank
Equitas Small Finance Bank, headquartered in Chennai, is one of the leading SFBs with a diversified loan portfolio spanning vehicle finance, microfinance, housing and MSME loans. It operates primarily across southern India and has navigated asset quality challenges in its MFI book since FY25.
About Ujjivan Small Finance Bank
Ujjivan Small Finance Bank, headquartered in Bengaluru, was established in 2017 from Ujjivan Financial Services. It reported significant earnings pressure in FY25 due to stress in its micro banking segment, resulting in elevated provisions and reduced profitability.
About Utkarsh Small Finance Bank
Utkarsh Small Finance Bank, headquartered in Varanasi, primarily serves the underbanked population of eastern and northern India. The bank faced significant stress in FY25 due to rapid deterioration in microfinance asset quality, resulting in large credit costs and net losses through FY26.
About Suryoday Small Finance Bank
Suryoday Small Finance Bank, headquartered in Navi Mumbai, converted from Suryoday Micro Finance in 2017. It serves urban and semi-urban customers with income generation loans, MSME financing and retail liabilities. The bank has been impacted by industry-wide microfinance stress in FY25.
P&L Summary
Total Net Interest Income
₹7,150 Cr
↑ 32.3% YoY
Q1FY26₹5,401 Cr
Total Other Income
₹1,968 Cr
↓ 5.4% YoY
Q1FY26₹2,082 Cr
Total Net Profit (PAT)
₹1,614 Cr
↑ 434.3% YoY
Q1FY26₹302 Cr
Total Operating Expenses
₹5,782 Cr
↑ 19.5% YoY
Q1FY26₹4,837 Cr
Total PPOP
₹3,337 Cr
↑ 26.1% YoY
Q1FY26₹2,646 Cr
Total Provisions
₹1,234 Cr
↓ 45.7% YoY
Q1FY26₹2,273 Cr
Balance Sheet
Total Gross Advances
₹3,32,246 Cr
↑ 24.6% YoY
Q1FY26₹2,66,629 Cr
Total Net Advances
₹3,22,914 Cr
↑ 25.1% YoY
Q1FY26₹2,58,203 Cr
Total Deposits
₹3,64,796 Cr
↑ 19.7% YoY
Q1FY26₹3,04,729 Cr
Total Assets
₹4,61,878 Cr
↑ 20.0% YoY
Q1FY26₹3,84,894 Cr
Total Networth
₹45,611 Cr
↑ 12.5% YoY
Q1FY26₹40,548 Cr
Avg CASA %
25.4%
↑ 54 bps YoY
Q1FY2624.9%
Asset Quality
Avg GNPA %
3.70%
↓ 141 bps YoY
Q1FY265.12%
Avg NNPA %
1.10%
↓ 131 bps YoY
Q1FY262.41%
Avg PCR %
69.8%
↑ 1119 bps YoY
Q1FY2658.6%
Multi-Year Trends · FY22 → Q1FY27
Total Net Interest Income
↑↑ 32% YoY₹7,150 Cr
₹11,483
FY22
₹15,762
FY23
₹19,336
FY24
₹22,844
FY25
FY26
₹7,150
Q1FY27QTR
Total Profit After Tax
↑↑ 435% YoY₹1,614 Cr
₹1,087
FY22
₹4,236
FY23
₹5,535
FY24
₹3,229
FY25
FY26
₹1,614
Q1FY27QTR
Total Deposits
↑↑ 20% YoY₹3,64,796 Cr
₹1,36,153
FY22
₹1,76,721
FY23
₹2,29,940
FY24
₹2,97,870
FY25
FY26
₹3,64,796
Q1FY27QTR
Total Net Advances
↑↑ 25% YoY₹3,22,914 Cr
₹1,26,705
FY22
₹1,61,706
FY23
₹2,02,932
FY24
₹2,55,656
FY25
FY26
₹3,22,914
Q1FY27QTR
Total GNPA
↓↓ 7% YoY₹9,385 Cr
₹6,115
FY22
₹4,173
FY23
₹4,889
FY24
₹9,054
FY25
FY26
₹9,385
Q1FY27QTR
Total NNPA
↓↓ 30% YoY₹2,819 Cr
₹2,362
FY22
₹1,410
FY23
₹1,541
FY24
₹3,546
FY25
FY26
₹2,819
Q1FY27QTR
Total Networth
↑↑ 12% YoY₹45,611 Cr
₹20,175
FY22
₹27,281
FY23
₹35,287
FY24
₹40,436
FY25
FY26
₹45,611
Q1FY27QTR
Total Assets
↑↑ 20% YoY₹4,61,878 Cr
₹1,87,924
FY22
₹2,41,328
FY23
₹2,99,524
FY24
₹3,77,862
FY25
FY26
₹4,61,878
Q1FY27QTR
Profitability
P&L Metrics · Small Finance Banks · ₹ Crores
₹11,458 Cr
Net Interest Income
Base Year
₹2,707 Cr
Other Income
Base Year
₹8,958 Cr
Operating Expenses
Base Year
₹5,208 Cr
Pre-Provision Profit
Base Year
₹3,799 Cr
Total Provisions
Base Year
₹1,062 Cr
Net Profit After Tax
Base Year
Revenue & Earnings by Bank
Net Interest Income (₹ Cr)
Other Income (₹ Cr)
Operating Expenses (₹ Cr)
Pre-Provision Profit (₹ Cr)
Total Provisions (₹ Cr)
Net Profit / PAT (₹ Cr)
₹15,752 Cr
Net Interest Income
37.5% vs FY22
₹3,623 Cr
Other Income
33.8% vs FY22
₹11,515 Cr
Operating Expenses
28.5% vs FY22
₹7,860 Cr
Pre-Provision Profit
50.9% vs FY22
₹2,346 Cr
Total Provisions
-38.3% vs FY22
₹4,226 Cr
Net Profit After Tax
297.8% vs FY22
Revenue & Earnings by Bank
Net Interest Income (₹ Cr)
Other Income (₹ Cr)
Operating Expenses (₹ Cr)
Pre-Provision Profit (₹ Cr)
Total Provisions (₹ Cr)
Net Profit / PAT (₹ Cr)
₹19,332 Cr
Net Interest Income
22.7% vs FY23
₹5,132 Cr
Other Income
41.7% vs FY23
₹14,697 Cr
Operating Expenses
27.6% vs FY23
₹9,767 Cr
Pre-Provision Profit
24.3% vs FY23
₹2,750 Cr
Total Provisions
17.2% vs FY23
₹5,685 Cr
Net Profit After Tax
34.5% vs FY23
Revenue & Earnings by Bank
Net Interest Income (₹ Cr)
Other Income (₹ Cr)
Operating Expenses (₹ Cr)
Pre-Provision Profit (₹ Cr)
Total Provisions (₹ Cr)
Net Profit / PAT (₹ Cr)
₹22,794 Cr
Net Interest Income
17.9% vs FY24
₹6,468 Cr
Other Income
26.0% vs FY24
₹18,286 Cr
Operating Expenses
24.4% vs FY24
₹10,976 Cr
Pre-Provision Profit
12.4% vs FY24
₹6,911 Cr
Total Provisions
151.3% vs FY24
₹3,180 Cr
Net Profit After Tax
-44.1% vs FY24
Revenue & Earnings by Bank
Net Interest Income (₹ Cr)
Other Income (₹ Cr)
Operating Expenses (₹ Cr)
Pre-Provision Profit (₹ Cr)
Total Provisions (₹ Cr)
Net Profit / PAT (₹ Cr)
₹23,709 Cr
Net Interest Income
4.0% vs FY25
₹7,881 Cr
Other Income
21.8% vs FY25
₹20,982 Cr
Operating Expenses
14.7% vs FY25
₹10,608 Cr
Pre-Provision Profit
-3.3% vs FY25
₹7,124 Cr
Total Provisions
3.1% vs FY25
₹2,730 Cr
Net Profit After Tax
-14.2% vs FY25
Revenue & Earnings by Bank
Net Interest Income (₹ Cr)
Other Income (₹ Cr)
Operating Expenses (₹ Cr)
Pre-Provision Profit (₹ Cr)
Total Provisions (₹ Cr)
Net Profit / PAT (₹ Cr)
₹7,150 Cr
Net Interest Income
32.3% YoY
₹1,968 Cr
Other Income
-5.4% YoY
₹5,782 Cr
Operating Expenses
19.5% YoY
₹3,337 Cr
Pre-Provision Profit
26.1% YoY
₹1,234 Cr
Total Provisions
-45.7% YoY
₹1,614 Cr
Net Profit After Tax
434.3% YoY
Revenue & Earnings by Bank
Net Interest Income (₹ Cr)
Other Income (₹ Cr)
Operating Expenses (₹ Cr)
Pre-Provision Profit (₹ Cr)
Total Provisions (₹ Cr)
Net Profit / PAT (₹ Cr)
COMPARATIVE ANALYSIS · ALL SMALL FINANCE BANKS
Income Statement
₹ Crores| Particulars | AU SFB | Capital SFB | ESAF SFB | Jana SFB | Equitas SFB | Ujjivan SFB | Utkarsh SFB | Suryoday SFB |
|---|---|---|---|---|---|---|---|---|
| Interest / Discount on Advances | ₹4,947.5 | ₹437.3 | ₹1,726.7 | ₹2,412.0 | ₹3,139.1 | ₹2,575.8 | ₹1,646.1 | ₹817.3 |
| Income on Investments | ₹780.5 | ₹86.0 | ₹188.3 | ₹255.9 | ₹245.7 | ₹185.1 | ₹154.9 | ₹111.7 |
| Interest on Bal with RBI & Other Banks | ₹87.1 | ₹54.9 | ₹24.9 | ₹58.5 | ₹74.4 | ₹51.9 | ₹47.7 | ₹12.7 |
| Others | ₹106.6 | ₹0.0 | ₹0.0 | ₹0.0 | ₹0.0 | ₹0.0 | ₹0.0 | ₹0.1 |
| Total Interest Income | ₹5,921.7 | ₹578.2 | ₹1,939.9 | ₹2,727.0 | ₹3,459.3 | ₹2,812.8 | ₹1,848.8 | ₹941.8 |
| Other Income | ₹993.7 | ₹54.2 | ₹207.6 | ₹324.0 | ₹533.7 | ₹314.9 | ₹184.8 | ₹94.3 |
| Total Interest Expense | ₹2,687.6 | ₹322.9 | ₹792.8 | ₹1,336.8 | ₹1,421.1 | ₹1,039.2 | ₹788.0 | ₹357.4 |
| Net Interest Income (NII) | ₹3,234.1 | ₹255.3 | ₹1,147.1 | ₹1,390.0 | ₹2,038.1 | ₹1,773.6 | ₹1,060.8 | ₹584.5 |
| Employee Cost | ₹1,378.9 | ₹54.3 | ₹232.1 | ₹699.0 | ₹898.2 | ₹812.6 | ₹429.8 | ₹228.2 |
| Other Administrative Expenses | ₹1,033.8 | ₹141.9 | ₹630.7 | ₹439.8 | ₹805.9 | ₹683.5 | ₹303.9 | ₹184.9 |
| Total Operating Expenses (OPEX) | ₹2,412.8 | ₹196.3 | ₹862.9 | ₹1,138.8 | ₹1,704.2 | ₹1,496.1 | ₹733.7 | ₹413.1 |
| Pre-Provision Operating Profit (PPOP) | ₹1,815.0 | ₹113.2 | ₹491.9 | ₹575.0 | ₹867.7 | ₹592.4 | ₹511.9 | ₹265.7 |
| Total Provisions | ₹361.0 | ₹28.7 | ₹418.0 | ₹569.0 | ₹489.6 | ₹1,142.5 | ₹397.5 | ₹392.8 |
| Exceptional Items | ₹0.0 | ₹0.0 | ₹0.0 | ₹0.0 | ₹0.0 | ₹0.0 | ₹0.0 | ₹0.0 |
| Profit Before Tax (PBT) | ₹1,454.1 | ₹84.5 | ₹73.8 | ₹5.4 | ₹378.1 | (₹550.0) | ₹114.4 | (₹127.1) |
| Income Tax | ₹324.2 | ₹21.9 | ₹19.1 | — | ₹97.4 | (₹135.8) | ₹52.9 | (₹34.0) |
| Profit After Tax (PAT) | ₹1,129.8 | ₹62.6 | ₹54.7 | ₹5.4 | ₹280.7 | (₹414.3) | ₹61.4 | (₹93.0) |
| Particulars | AU SFB | Capital SFB | ESAF SFB | Jana SFB | Equitas SFB | Ujjivan SFB | Utkarsh SFB | Suryoday SFB |
|---|---|---|---|---|---|---|---|---|
| Interest / Discount on Advances | ₹6,805.0 | ₹532.9 | ₹2,532.0 | ₹2,722.0 | ₹3,764.7 | ₹3,707.8 | ₹2,278.1 | ₹1,024.9 |
| Income on Investments | ₹1,189.9 | ₹97.6 | ₹312.0 | ₹325.2 | ₹315.6 | ₹410.8 | ₹150.5 | ₹149.7 |
| Interest on Bal with RBI & Other Banks | ₹58.3 | ₹44.9 | ₹9.6 | ₹28.2 | ₹81.5 | ₹18.1 | ₹76.3 | ₹9.0 |
| Others | ₹152.3 | ₹0.7 | ₹0.0 | ₹0.0 | ₹0.0 | ₹28.3 | ₹0.0 | ₹0.0 |
| Total Interest Income | ₹8,205.4 | ₹676.0 | ₹2,853.6 | ₹3,075.0 | ₹4,161.9 | ₹4,165.0 | ₹2,505.0 | ₹1,183.7 |
| Other Income | ₹1,034.5 | ₹49.5 | ₹288.0 | ₹625.0 | ₹669.6 | ₹559.7 | ₹299.3 | ₹97.4 |
| Total Interest Expense | ₹3,780.1 | ₹354.0 | ₹1,017.3 | ₹1,415.0 | ₹1,617.2 | ₹1,467.1 | ₹976.0 | ₹437.1 |
| Net Interest Income (NII) | ₹4,425.3 | ₹322.0 | ₹1,836.3 | ₹1,660.0 | ₹2,544.7 | ₹2,697.9 | ₹1,529.0 | ₹746.6 |
| Employee Cost | ₹1,793.0 | ₹118.0 | ₹278.0 | ₹777.6 | ₹1,096.7 | ₹920.2 | ₹570.1 | ₹242.4 |
| Other Administrative Expenses | ₹1,647.2 | ₹104.8 | ₹952.5 | ₹506.9 | ₹941.6 | ₹881.8 | ₹420.0 | ₹264.2 |
| Total Operating Expenses (OPEX) | ₹3,440.3 | ₹222.8 | ₹1,230.5 | ₹1,284.5 | ₹2,038.3 | ₹1,802.1 | ₹990.0 | ₹506.5 |
| Pre-Provision Operating Profit (PPOP) | ₹2,019.5 | ₹148.7 | ₹893.7 | ₹1,000.0 | ₹1,176.0 | ₹1,455.5 | ₹838.3 | ₹337.5 |
| Total Provisions | ₹154.8 | ₹24.5 | ₹487.7 | ₹744.0 | ₹407.2 | (₹11.7) | ₹302.5 | ₹236.6 |
| Exceptional Items | ₹0.0 | ₹0.0 | ₹0.0 | ₹0.0 | ₹0.0 | ₹0.0 | ₹0.0 | ₹0.0 |
| Profit Before Tax (PBT) | ₹1,864.7 | ₹124.2 | ₹406.0 | ₹256.0 | ₹768.8 | ₹1,467.2 | ₹535.8 | ₹100.9 |
| Income Tax | ₹436.7 | ₹30.6 | ₹103.7 | — | ₹195.2 | ₹367.3 | ₹131.3 | ₹23.2 |
| Profit After Tax (PAT) | ₹1,427.9 | ₹93.6 | ₹302.3 | ₹256.0 | ₹573.6 | ₹1,099.9 | ₹404.5 | ₹77.7 |
| Particulars | AU SFB | Capital SFB | ESAF SFB | Jana SFB | Equitas SFB | Ujjivan SFB | Utkarsh SFB | Suryoday SFB |
|---|---|---|---|---|---|---|---|---|
| Interest / Discount on Advances | ₹8,442.1 | ₹624.4 | ₹3,461.3 | ₹3,616.0 | ₹4,921.0 | ₹4,973.0 | ₹2,880.1 | ₹1,394.6 |
| Income on Investments | ₹1,632.4 | ₹112.2 | ₹352.9 | ₹349.0 | ₹539.8 | ₹678.6 | ₹209.3 | ₹183.2 |
| Interest on Bal with RBI & Other Banks | ₹66.9 | ₹55.6 | ₹4.2 | ₹47.9 | ₹25.7 | ₹10.6 | ₹89.0 | ₹10.9 |
| Others | ₹413.3 | ₹2.2 | ₹0.0 | ₹0.0 | ₹0.0 | ₹15.0 | ₹0.0 | ₹0.0 |
| Total Interest Income | ₹10,554.7 | ₹794.3 | ₹3,818.4 | ₹4,013.0 | ₹5,486.4 | ₹5,677.2 | ₹3,178.4 | ₹1,588.7 |
| Other Income | ₹1,745.9 | ₹68.1 | ₹441.8 | ₹671.0 | ₹798.7 | ₹786.8 | ₹400.4 | ₹219.4 |
| Total Interest Expense | ₹5,397.6 | ₹449.2 | ₹1,448.7 | ₹1,885.9 | ₹2,406.6 | ₹2,267.7 | ₹1,292.6 | ₹626.5 |
| Net Interest Income (NII) | ₹5,157.1 | ₹345.1 | ₹2,369.7 | ₹2,127.0 | ₹3,079.8 | ₹3,409.5 | ₹1,885.8 | ₹962.2 |
| Employee Cost | ₹2,103.7 | ₹124.6 | ₹363.0 | ₹974.7 | ₹1,368.9 | ₹1,183.2 | ₹736.9 | ₹360.8 |
| Other Administrative Expenses | ₹2,284.3 | ₹133.8 | ₹1,285.9 | ₹630.2 | ₹1,132.1 | ₹1,095.9 | ₹552.0 | ₹366.9 |
| Total Operating Expenses (OPEX) | ₹4,388.0 | ₹258.3 | ₹1,648.8 | ₹1,604.8 | ₹2,501.1 | ₹2,279.1 | ₹1,288.9 | ₹727.7 |
| Pre-Provision Operating Profit (PPOP) | ₹2,515.0 | ₹154.9 | ₹1,162.7 | ₹1,193.0 | ₹1,377.4 | ₹1,917.1 | ₹997.3 | ₹453.9 |
| Total Provisions | ₹438.7 | ₹6.7 | ₹592.3 | ₹679.0 | ₹314.2 | ₹214.9 | ₹337.9 | ₹166.3 |
| Exceptional Items | ₹76.8 | ₹0.0 | ₹0.0 | ₹0.0 | ₹0.0 | ₹0.0 | ₹0.0 | ₹0.0 |
| Profit Before Tax (PBT) | ₹1,999.4 | ₹148.2 | ₹570.4 | ₹514.4 | ₹1,063.1 | ₹1,702.2 | ₹659.4 | ₹287.6 |
| Income Tax | ₹464.7 | ₹36.7 | ₹144.8 | (₹155.2) | ₹264.2 | ₹420.7 | ₹161.8 | ₹71.6 |
| Profit After Tax (PAT) | ₹1,534.7 | ₹111.5 | ₹425.6 | ₹669.5 | ₹799.0 | ₹1,281.5 | ₹497.6 | ₹216.0 |
| Particulars | AU SFB | Capital SFB | ESAF SFB | Jana SFB | Equitas SFB | Ujjivan SFB | Utkarsh SFB | Suryoday SFB |
|---|---|---|---|---|---|---|---|---|
| Interest / Discount on Advances | ₹13,368.4 | ₹718.7 | ₹3,409.2 | ₹4,230.0 | ₹5,563.3 | ₹5,525.7 | ₹3,337.0 | ₹1,730.8 |
| Income on Investments | ₹2,238.2 | ₹122.8 | ₹402.0 | ₹377.3 | ₹647.4 | ₹805.8 | ₹278.0 | ₹198.6 |
| Interest on Bal with RBI & Other Banks | ₹69.2 | ₹65.0 | ₹49.7 | ₹62.5 | ₹101.0 | ₹11.0 | ₹149.9 | ₹24.3 |
| Others | ₹388.1 | ₹1.9 | ₹0.0 | ₹1.6 | ₹0.0 | ₹11.9 | ₹0.0 | ₹0.0 |
| Total Interest Income | ₹16,063.7 | ₹908.5 | ₹3,860.9 | ₹4,671.0 | ₹6,311.7 | ₹6,354.4 | ₹3,764.9 | ₹1,953.8 |
| Other Income | ₹2,562.7 | ₹86.0 | ₹468.4 | ₹776.0 | ₹911.5 | ₹846.2 | ₹599.8 | ₹217.2 |
| Total Interest Expense | ₹8,052.1 | ₹498.3 | ₹1,810.7 | ₹2,316.7 | ₹3,060.1 | ₹2,718.1 | ₹1,742.1 | ₹847.6 |
| Net Interest Income (NII) | ₹8,011.6 | ₹410.2 | ₹2,050.2 | ₹2,355.0 | ₹3,251.6 | ₹3,636.3 | ₹2,022.9 | ₹1,106.1 |
| Employee Cost | ₹3,147.8 | ₹148.6 | ₹660.1 | ₹1,210.4 | ₹1,621.0 | ₹1,499.5 | ₹845.6 | ₹444.2 |
| Other Administrative Expenses | ₹2,809.4 | ₹162.2 | ₹1,243.4 | ₹732.1 | ₹1,207.8 | ₹1,293.7 | ₹770.2 | ₹490.0 |
| Total Operating Expenses (OPEX) | ₹5,957.2 | ₹310.8 | ₹1,903.5 | ₹1,942.6 | ₹2,828.8 | ₹2,793.2 | ₹1,615.8 | ₹934.2 |
| Pre-Provision Operating Profit (PPOP) | ₹4,617.1 | ₹185.4 | ₹615.1 | ₹1,188.0 | ₹1,334.3 | ₹1,689.2 | ₹1,006.9 | ₹389.2 |
| Total Provisions | ₹1,829.0 | ₹10.3 | ₹1,250.1 | ₹714.0 | ₹1,135.4 | ₹747.7 | ₹979.3 | ₹245.4 |
| Exceptional Items | ₹0.0 | ₹0.0 | ₹58.0 | ₹0.0 | ₹0.0 | ₹0.0 | ₹0.0 | ₹0.0 |
| Profit Before Tax (PBT) | ₹2,788.1 | ₹175.1 | (₹693.0) | ₹473.7 | ₹198.8 | ₹941.6 | ₹27.6 | ₹143.8 |
| Income Tax | ₹682.1 | ₹43.5 | (₹171.6) | (₹27.7) | ₹51.8 | ₹215.5 | ₹4.0 | ₹28.9 |
| Profit After Tax (PAT) | ₹2,105.9 | ₹131.7 | (₹521.4) | ₹501.5 | ₹147.1 | ₹726.1 | ₹23.7 | ₹115.0 |
| Particulars | AU SFB | Capital SFB | ESAF SFB | Jana SFB | Equitas SFB | Ujjivan SFB | Utkarsh SFB | Suryoday SFB |
|---|---|---|---|---|---|---|---|---|
| Interest / Discount on Advances | ₹15,711.1 | ₹826.1 | ₹3,117.0 | ₹4,826.0 | ₹5,971.0 | ₹6,077.5 | ₹2,845.8 | ₹1,893.6 |
| Income on Investments | ₹2,647.2 | ₹130.9 | ₹410.6 | ₹490.6 | ₹661.0 | ₹830.3 | ₹401.7 | ₹214.3 |
| Interest on Bal with RBI & Other Banks | ₹92.5 | ₹89.1 | ₹9.5 | ₹45.8 | ₹162.2 | ₹16.0 | ₹131.3 | ₹47.7 |
| Others | ₹185.5 | ₹2.4 | ₹0.0 | ₹12.5 | ₹0.0 | ₹7.7 | ₹0.0 | ₹4.7 |
| Total Interest Income | ₹18,636.3 | ₹1,048.6 | ₹3,537.2 | ₹5,375.0 | ₹6,794.2 | ₹6,931.4 | ₹3,378.8 | ₹2,160.3 |
| Other Income | ₹2,977.9 | ₹98.3 | ₹811.1 | ₹1,022.0 | ₹1,073.5 | ₹1,107.5 | ₹431.0 | ₹359.7 |
| Total Interest Expense | ₹9,523.7 | ₹587.2 | ₹1,845.2 | ₹2,759.7 | ₹3,403.1 | ₹3,060.4 | ₹1,902.0 | ₹1,061.6 |
| Net Interest Income (NII) | ₹9,112.7 | ₹461.4 | ₹1,692.0 | ₹2,615.0 | ₹3,391.2 | ₹3,871.0 | ₹1,476.7 | ₹1,098.7 |
| Employee Cost | ₹3,848.2 | ₹182.3 | ₹692.8 | ₹1,460.2 | ₹1,964.1 | ₹1,791.0 | ₹948.0 | ₹512.5 |
| Other Administrative Expenses | ₹3,153.7 | ₹163.9 | ₹1,098.3 | ₹989.1 | ₹1,235.7 | ₹1,477.4 | ₹903.4 | ₹561.8 |
| Total Operating Expenses (OPEX) | ₹7,001.9 | ₹346.2 | ₹1,791.1 | ₹2,449.4 | ₹3,199.8 | ₹3,268.4 | ₹1,851.4 | ₹1,074.3 |
| Pre-Provision Operating Profit (PPOP) | ₹5,088.8 | ₹213.5 | ₹712.0 | ₹1,188.0 | ₹1,265.0 | ₹1,710.1 | ₹56.4 | ₹384.1 |
| Total Provisions | ₹1,614.7 | ₹24.7 | ₹940.4 | ₹861.0 | ₹1,136.8 | ₹799.1 | ₹1,563.0 | ₹184.5 |
| Exceptional Items | ₹0.0 | ₹0.0 | ₹0.0 | ₹0.0 | ₹0.0 | ₹0.0 | ₹0.0 | ₹0.0 |
| Profit Before Tax (PBT) | ₹3,474.1 | ₹188.8 | (₹228.4) | ₹326.4 | ₹128.1 | ₹911.0 | (₹1,506.6) | ₹199.6 |
| Income Tax | ₹832.8 | ₹47.4 | (₹62.0) | ₹0.0 | ₹25.1 | ₹218.4 | (₹355.6) | ₹47.6 |
| Profit After Tax (PAT) | ₹2,641.2 | ₹141.4 | (₹166.4) | ₹326.4 | ₹103.1 | ₹692.6 | (₹1,151.0) | ₹152.0 |
| Particulars | AU SFB | Capital SFB | ESAF SFB | Jana SFB | Equitas SFB | Ujjivan SFB | Utkarsh SFB | Suryoday SFB |
|---|---|---|---|---|---|---|---|---|
| Interest / Discount on Advances | ₹4,510.5 | ₹228.6 | ₹992.4 | ₹1,379.0 | ₹1,754.9 | ₹1,792.1 | ₹753.0 | ₹543.2 |
| Income on Investments | ₹750.6 | ₹34.6 | ₹103.7 | ₹123.3 | ₹175.3 | ₹222.2 | ₹115.5 | ₹63.2 |
| Interest on Bal with RBI & Other Banks | ₹23.5 | ₹24.1 | ₹1.7 | ₹11.4 | ₹30.1 | ₹8.9 | ₹15.1 | ₹15.0 |
| Others | ₹18.1 | ₹0.8 | ₹0.0 | ₹0.5 | ₹0.0 | ₹1.7 | ₹0.0 | ₹1.1 |
| Total Interest Income | ₹5,302.7 | ₹288.1 | ₹1,097.8 | ₹1,515.0 | ₹1,960.4 | ₹2,024.9 | ₹883.6 | ₹622.4 |
| Other Income | ₹689.2 | ₹26.1 | ₹248.2 | ₹227.0 | ₹255.1 | ₹256.0 | ₹118.8 | ₹147.9 |
| Total Interest Expense | ₹2,607.2 | ₹154.7 | ₹513.7 | ₹732.1 | ₹930.8 | ₹837.6 | ₹461.5 | ₹306.6 |
| Net Interest Income (NII) | ₹2,695.5 | ₹133.4 | ₹584.1 | ₹782.0 | ₹1,029.6 | ₹1,187.3 | ₹422.1 | ₹315.7 |
| Employee Cost | ₹1,063.9 | ₹50.9 | ₹179.8 | ₹414.9 | ₹548.7 | ₹503.6 | ₹240.6 | ₹136.8 |
| Other Administrative Expenses | ₹885.3 | ₹44.3 | ₹303.6 | ₹261.4 | ₹331.3 | ₹391.7 | ₹236.7 | ₹188.3 |
| Total Operating Expenses (OPEX) | ₹1,949.2 | ₹95.3 | ₹483.3 | ₹676.2 | ₹880.0 | ₹895.3 | ₹477.3 | ₹325.0 |
| Pre-Provision Operating Profit (PPOP) | ₹1,435.5 | ₹64.3 | ₹349.0 | ₹333.0 | ₹404.7 | ₹548.1 | ₹63.6 | ₹138.6 |
| Total Provisions | ₹371.5 | ₹9.3 | ₹242.0 | ₹178.0 | ₹160.7 | ₹127.3 | ₹109.0 | ₹36.7 |
| Exceptional Items | ₹0.0 | ₹0.0 | ₹0.0 | ₹0.0 | ₹0.0 | ₹0.0 | ₹0.0 | ₹0.0 |
| Profit Before Tax (PBT) | ₹1,064.0 | ₹54.9 | ₹107.0 | ₹155.2 | ₹244.1 | ₹420.7 | (₹45.4) | ₹101.9 |
| Income Tax | ₹268.0 | ₹13.7 | ₹26.9 | ₹0.0 | ₹60.5 | ₹104.2 | (₹11.5) | ₹26.7 |
| Profit After Tax (PAT) | ₹796.0 | ₹41.2 | ₹80.1 | ₹155.2 | ₹183.6 | ₹316.5 | (₹33.9) | ₹75.2 |
Cost Ratios as % to Total Interest Income
| Particulars | AU SFB | Capital SFB | ESAF SFB | Jana SFB | Equitas SFB | Ujjivan SFB | Utkarsh SFB | Suryoday SFB |
|---|---|---|---|---|---|---|---|---|
| Interest / Discount on Advances | 83.5% | 69.2% | 89.0% | 88.5% | 90.8% | 91.6% | 81.0% | 86.8% |
| Income on Investments | 13.2% | 13.6% | 9.7% | 9.4% | 7.1% | 6.6% | 7.6% | 11.9% |
| Interest on Bal with RBI & Other Banks | 1.5% | 8.7% | 1.3% | 2.1% | 2.1% | 1.8% | 2.4% | 1.4% |
| Others | 1.8% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Other Income | 16.8% | 8.6% | 10.7% | 11.9% | 15.4% | 11.2% | 9.1% | 10.0% |
| Total Interest Expense | 45.4% | 51.1% | 40.9% | 49.0% | 41.1% | 37.0% | 38.8% | 37.9% |
| Net Interest Income (NII) | 54.6% | 40.4% | 59.1% | 51.0% | 58.9% | 63.0% | 52.2% | 62.1% |
| Employee Cost | 23.3% | 8.6% | 12.0% | 25.6% | 26.0% | 28.9% | 21.1% | 24.2% |
| Other Administrative Expenses | 17.5% | 22.4% | 32.5% | 16.1% | 23.3% | 24.3% | 14.9% | 19.6% |
| Total Operating Expenses (OPEX) | 40.7% | 31.0% | 44.5% | 41.8% | 49.3% | 53.2% | 36.1% | 43.9% |
| Pre-Provision Operating Profit (PPOP) | 30.6% | 17.9% | 25.4% | 21.1% | 25.1% | 21.1% | 25.2% | 28.2% |
| Total Provisions | 6.1% | 4.5% | 21.6% | 20.9% | 14.2% | 40.6% | 19.6% | 41.7% |
| Profit Before Tax (PBT) | 24.6% | 13.4% | 3.8% | 0.2% | 10.9% | (19.6%) | 5.6% | (13.5%) |
| Income Tax | 5.5% | 3.5% | 1.0% | 0.0% | 2.8% | (4.8%) | 2.6% | (3.6%) |
| Profit After Tax (PAT) | 19.1% | 9.9% | 2.8% | 0.2% | 8.1% | (14.7%) | 3.0% | (9.9%) |
| Particulars | AU SFB | Capital SFB | ESAF SFB | Jana SFB | Equitas SFB | Ujjivan SFB | Utkarsh SFB | Suryoday SFB |
|---|---|---|---|---|---|---|---|---|
| Interest / Discount on Advances | 82.9% | 73.5% | 88.7% | 88.5% | 90.5% | 89.0% | 81.2% | 86.6% |
| Income on Investments | 14.5% | 13.5% | 10.9% | 10.6% | 7.6% | 9.9% | 5.4% | 12.7% |
| Interest on Bal with RBI & Other Banks | 0.7% | 6.2% | 0.3% | 0.9% | 2.0% | 0.4% | 2.7% | 0.8% |
| Others | 1.9% | 0.1% | 0.0% | 0.0% | 0.0% | 0.7% | 0.0% | 0.0% |
| Other Income | 12.6% | 6.8% | 10.1% | 20.3% | 16.1% | 13.4% | 10.7% | 8.2% |
| Total Interest Expense | 46.1% | 48.8% | 35.6% | 46.0% | 38.9% | 35.2% | 34.8% | 36.9% |
| Net Interest Income (NII) | 53.9% | 44.4% | 64.3% | 54.0% | 61.1% | 64.8% | 54.5% | 63.1% |
| Employee Cost | 21.9% | 16.3% | 9.7% | 25.3% | 26.4% | 22.1% | 20.3% | 20.5% |
| Other Administrative Expenses | 20.1% | 14.4% | 33.4% | 16.5% | 22.6% | 21.2% | 15.0% | 22.3% |
| Total Operating Expenses (OPEX) | 41.9% | 30.7% | 43.1% | 41.8% | 49.0% | 43.3% | 35.3% | 42.8% |
| Pre-Provision Operating Profit (PPOP) | 24.6% | 20.5% | 31.3% | 32.5% | 28.3% | 35.0% | 29.9% | 28.5% |
| Total Provisions | 1.9% | 3.4% | 17.1% | 24.2% | 9.8% | (0.3%) | 10.8% | 20.0% |
| Profit Before Tax (PBT) | 22.7% | 17.1% | 14.2% | 8.3% | 18.5% | 35.2% | 19.1% | 8.5% |
| Income Tax | 5.3% | 4.2% | 3.6% | 0.0% | 4.7% | 8.8% | 4.7% | 2.0% |
| Profit After Tax (PAT) | 17.4% | 12.9% | 10.6% | 8.3% | 13.8% | 26.4% | 14.4% | 6.6% |
| Particulars | AU SFB | Capital SFB | ESAF SFB | Jana SFB | Equitas SFB | Ujjivan SFB | Utkarsh SFB | Suryoday SFB |
|---|---|---|---|---|---|---|---|---|
| Interest / Discount on Advances | 80.0% | 72.4% | 90.7% | 90.1% | 89.7% | 87.6% | 80.5% | 87.8% |
| Income on Investments | 15.5% | 13.0% | 9.2% | 8.7% | 9.8% | 11.9% | 5.8% | 11.5% |
| Interest on Bal with RBI & Other Banks | 0.6% | 6.5% | 0.1% | 1.2% | 0.5% | 0.2% | 2.5% | 0.7% |
| Others | 3.9% | 0.2% | 0.0% | 0.0% | 0.0% | 0.3% | 0.0% | 0.0% |
| Other Income | 16.5% | 7.9% | 11.6% | 16.7% | 14.6% | 13.9% | 11.2% | 13.8% |
| Total Interest Expense | 51.1% | 52.1% | 37.9% | 47.0% | 43.9% | 39.9% | 36.1% | 39.4% |
| Net Interest Income (NII) | 48.9% | 40.0% | 62.1% | 53.0% | 56.1% | 60.1% | 52.7% | 60.6% |
| Employee Cost | 19.9% | 14.4% | 9.5% | 24.3% | 24.9% | 20.8% | 20.6% | 22.7% |
| Other Administrative Expenses | 21.6% | 15.5% | 33.7% | 15.7% | 20.6% | 19.3% | 15.4% | 23.1% |
| Total Operating Expenses (OPEX) | 41.6% | 29.9% | 43.2% | 40.0% | 45.6% | 40.1% | 36.0% | 45.8% |
| Pre-Provision Operating Profit (PPOP) | 23.8% | 18.0% | 30.4% | 29.7% | 25.1% | 33.8% | 27.9% | 28.6% |
| Total Provisions | 4.2% | 0.8% | 15.5% | 16.9% | 5.7% | 3.8% | 9.4% | 10.5% |
| Profit Before Tax (PBT) | 18.9% | 17.2% | 14.9% | 12.8% | 19.4% | 30.0% | 18.4% | 18.1% |
| Income Tax | 4.4% | 4.2% | 3.8% | (3.9%) | 4.8% | 7.4% | 4.5% | 4.5% |
| Profit After Tax (PAT) | 14.5% | 12.9% | 11.2% | 16.7% | 14.6% | 22.6% | 13.9% | 13.6% |
| Particulars | AU SFB | Capital SFB | ESAF SFB | Jana SFB | Equitas SFB | Ujjivan SFB | Utkarsh SFB | Suryoday SFB |
|---|---|---|---|---|---|---|---|---|
| Interest / Discount on Advances | 83.2% | 72.3% | 88.3% | 90.5% | 88.1% | 87.0% | 76.5% | 88.6% |
| Income on Investments | 13.9% | 12.3% | 10.4% | 8.1% | 10.3% | 12.7% | 6.4% | 10.2% |
| Interest on Bal with RBI & Other Banks | 0.4% | 6.5% | 1.3% | 1.3% | 1.6% | 0.2% | 3.4% | 1.2% |
| Others | 2.4% | 0.2% | 0.0% | 0.0% | 0.0% | 0.2% | 0.0% | 0.0% |
| Other Income | 15.9% | 8.7% | 12.1% | 16.6% | 14.4% | 13.3% | 13.7% | 11.1% |
| Total Interest Expense | 50.1% | 50.1% | 46.9% | 49.6% | 48.5% | 42.8% | 39.9% | 43.4% |
| Net Interest Income (NII) | 49.9% | 41.2% | 53.1% | 50.4% | 51.5% | 57.2% | 46.4% | 56.6% |
| Employee Cost | 19.6% | 14.9% | 17.1% | 25.9% | 25.7% | 23.6% | 19.4% | 22.7% |
| Other Administrative Expenses | 17.5% | 16.3% | 32.2% | 15.7% | 19.1% | 20.4% | 17.6% | 25.1% |
| Total Operating Expenses (OPEX) | 37.1% | 31.2% | 49.3% | 41.6% | 44.8% | 44.0% | 37.0% | 47.8% |
| Pre-Provision Operating Profit (PPOP) | 28.7% | 18.6% | 15.9% | 25.4% | 21.1% | 26.6% | 23.1% | 19.9% |
| Total Provisions | 11.4% | 1.0% | 32.4% | 15.3% | 18.0% | 11.8% | 22.4% | 12.6% |
| Profit Before Tax (PBT) | 17.4% | 17.6% | (17.9%) | 10.1% | 3.1% | 14.8% | 0.6% | 7.4% |
| Income Tax | 4.2% | 4.4% | (4.4%) | (0.6%) | 0.8% | 3.4% | 0.1% | 1.5% |
| Profit After Tax (PAT) | 13.1% | 13.2% | (13.5%) | 10.7% | 2.3% | 11.4% | 0.5% | 5.9% |
| Particulars | AU SFB | Capital SFB | ESAF SFB | Jana SFB | Equitas SFB | Ujjivan SFB | Utkarsh SFB | Suryoday SFB |
|---|---|---|---|---|---|---|---|---|
| Interest / Discount on Advances | 84.3% | 72.0% | 88.1% | 89.8% | 87.9% | 87.7% | 74.7% | 87.7% |
| Income on Investments | 14.2% | 11.4% | 11.6% | 9.1% | 9.7% | 12.0% | 10.5% | 9.9% |
| Interest on Bal with RBI & Other Banks | 0.5% | 7.8% | 0.3% | 0.8% | 2.4% | 0.2% | 3.5% | 2.2% |
| Others | 1.0% | 0.2% | 0.0% | 0.2% | 0.0% | 0.1% | 0.0% | 0.2% |
| Other Income | 16.0% | 8.6% | 22.9% | 19.0% | 15.8% | 16.0% | 11.3% | 16.6% |
| Total Interest Expense | 51.1% | 51.2% | 52.2% | 51.3% | 50.1% | 44.1% | 49.9% | 49.1% |
| Net Interest Income (NII) | 48.9% | 40.2% | 47.8% | 48.7% | 49.9% | 55.9% | 38.8% | 50.9% |
| Employee Cost | 20.6% | 15.9% | 19.6% | 27.2% | 28.9% | 25.8% | 24.9% | 23.7% |
| Other Administrative Expenses | 16.9% | 14.3% | 31.1% | 18.4% | 18.2% | 21.3% | 23.7% | 26.0% |
| Total Operating Expenses (OPEX) | 37.6% | 30.2% | 50.6% | 45.6% | 47.1% | 47.1% | 48.6% | 49.7% |
| Pre-Provision Operating Profit (PPOP) | 27.3% | 18.6% | 20.1% | 22.1% | 18.6% | 24.7% | 1.5% | 17.8% |
| Total Provisions | 8.7% | 2.1% | 26.6% | 16.0% | 16.7% | 11.5% | 41.0% | 8.5% |
| Profit Before Tax (PBT) | 18.6% | 16.5% | (6.5%) | 6.1% | 1.9% | 13.1% | (39.5%) | 9.2% |
| Income Tax | 4.5% | 4.1% | (1.8%) | 0.0% | 0.4% | 3.1% | (9.3%) | 2.2% |
| Profit After Tax (PAT) | 14.2% | 12.3% | (4.7%) | 6.1% | 1.5% | 10.0% | (30.2%) | 7.0% |
| Particulars | AU SFB | Capital SFB | ESAF SFB | Jana SFB | Equitas SFB | Ujjivan SFB | Utkarsh SFB | Suryoday SFB |
|---|---|---|---|---|---|---|---|---|
| Interest / Discount on Advances | 75.3% | 72.8% | 73.7% | 79.2% | 79.2% | 78.6% | 75.1% | 70.5% |
| Income on Investments | 12.5% | 11.0% | 7.7% | 7.1% | 7.9% | 9.7% | 11.5% | 8.2% |
| Interest on Bal with RBI & Other Banks | 0.4% | 7.7% | 0.1% | 0.7% | 1.4% | 0.4% | 1.5% | 1.9% |
| Others | 0.3% | 0.2% | 0.0% | 0.0% | 0.0% | 0.1% | 0.0% | 0.1% |
| Other Income | 11.5% | 8.3% | 18.4% | 13.0% | 11.5% | 11.2% | 11.8% | 19.2% |
| Total Interest Expense | 43.5% | 49.2% | 38.2% | 42.0% | 42.0% | 36.7% | 46.0% | 39.8% |
| Net Interest Income (NII) | 45.0% | 42.5% | 43.4% | 44.9% | 46.5% | 52.1% | 42.1% | 41.0% |
| Employee Cost | 17.8% | 16.2% | 13.4% | 23.8% | 24.8% | 22.1% | 24.0% | 17.8% |
| Other Administrative Expenses | 14.8% | 14.1% | 22.6% | 15.0% | 14.9% | 17.2% | 23.6% | 24.4% |
| Total Operating Expenses (OPEX) | 32.5% | 30.3% | 35.9% | 38.8% | 39.7% | 39.2% | 47.6% | 42.2% |
| Pre-Provision Operating Profit (PPOP) | 24.0% | 20.4% | 25.9% | 19.1% | 18.3% | 24.0% | 6.3% | 18.0% |
| Total Provisions | 6.2% | 3.0% | 18.0% | 10.2% | 7.2% | 5.6% | 10.9% | 4.8% |
| Profit Before Tax (PBT) | 17.8% | 17.5% | 8.0% | 8.9% | 11.0% | 18.4% | (4.5%) | 13.2% |
| Income Tax | 4.5% | 4.4% | 2.0% | 0.0% | 2.7% | 4.6% | (1.1%) | 3.5% |
| Profit After Tax (PAT) | 13.3% | 13.1% | 6.0% | 8.9% | 8.3% | 13.9% | (3.4%) | 9.8% |
Asset Quality
NPA Metrics · Small Finance Banks · % unless noted
₹6,115 Cr
Total Gross NPA
Base Year
₹2,362 Cr
Total Net NPA
Base Year
4.66%
GNPA % (Sector)
Base Year
1.86%
NNPA % (Sector)
Base Year
61.38%
PCR w/o Tech W/off
Base Year
NPA & Asset Quality by Bank
Gross NPA % (GNPA)
Net NPA % (NNPA)
Provision Coverage Ratio %
₹4,173 Cr
Total Gross NPA
-31.8% vs FY22
₹1,410 Cr
Total Net NPA
-40.3% vs FY22
2.47%
GNPA % (Sector)
-219 bps vs FY22
0.87%
NNPA % (Sector)
-99 bps vs FY22
66.21%
PCR w/o Tech W/off
+483 bps vs FY22
NPA & Asset Quality by Bank
Gross NPA % (GNPA)
Net NPA % (NNPA)
Provision Coverage Ratio %
₹4,889 Cr
Total Gross NPA
17.2% vs FY23
₹1,541 Cr
Total Net NPA
9.3% vs FY23
2.29%
GNPA % (Sector)
-18 bps vs FY23
0.76%
NNPA % (Sector)
-11 bps vs FY23
68.47%
PCR w/o Tech W/off
+226 bps vs FY23
NPA & Asset Quality by Bank
Gross NPA % (GNPA)
Net NPA % (NNPA)
Provision Coverage Ratio %
₹9,054 Cr
Total Gross NPA
85.2% vs FY24
₹3,546 Cr
Total Net NPA
130.0% vs FY24
3.45%
GNPA % (Sector)
+116 bps vs FY24
1.39%
NNPA % (Sector)
+63 bps vs FY24
60.84%
PCR w/o Tech W/off
-763 bps vs FY24
NPA & Asset Quality by Bank
Gross NPA % (GNPA)
Net NPA % (NNPA)
Provision Coverage Ratio %
₹9,413 Cr
Total Gross NPA
4.0% vs FY25
₹3,403 Cr
Total Net NPA
-4.0% vs FY25
2.93%
GNPA % (Sector)
-52 bps vs FY25
1.09%
NNPA % (Sector)
-30 bps vs FY25
63.84%
PCR w/o Tech W/off
+300 bps vs FY25
NPA & Asset Quality by Bank
Gross NPA % (GNPA)
Net NPA % (NNPA)
Provision Coverage Ratio %
₹9,385 Cr
Total Gross NPA
-7.3% YoY
₹2,819 Cr
Total Net NPA
-30.5% YoY
3.7%
GNPA % (Sector)
-141 bps YoY
1.1%
NNPA % (Sector)
-131 bps YoY
69.82%
PCR w/o Tech W/off
+1119 bps YoY
NPA & Asset Quality by Bank
Gross NPA % (GNPA)
Net NPA % (NNPA)
Provision Coverage Ratio %
QUARTERLY NPA MOVEMENT · ALL SMALL FINANCE BANKS
Quarterly GNPA %
Pure Quarters| Bank | FY27 | FY26 | FY25 | FY24 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Q1FY27 | Q4FY26 | Q3FY26 | Q2FY26 | Q1FY26 | Q4FY25 | Q3FY25 | Q2FY25 | Q1FY25 | Q4FY24 | Q3FY24 | Q2FY24 | Q1FY24 | |
| AU SFB | 2.10% | 0.74% | 2.30% | 2.41% | 2.47% | 2.28% | 2.31% | 1.98% | 1.78% | 1.67% | 1.98% | 1.91% | 1.76% |
| Capital SFB | 2.47% | 2.54% | 2.68% | 2.70% | 2.74% | 2.58% | 2.67% | 2.61% | 2.69% | 2.76% | 2.97% | 2.73% | 2.81% |
| ESAF SFB | 5.40% | 5.41% | 5.64% | 8.54% | 7.48% | 6.87% | 6.96% | 6.98% | 6.61% | 4.76% | 4.16% | 2.64% | 1.65% |
| Jana SFB | 2.39% | 2.46% | 2.59% | 2.87% | 2.91% | 2.71% | 2.80% | 2.97% | 2.62% | 2.11% | 2.19% | 2.44% | 2.94% |
| Equitas SFB | 2.42% | 2.60% | 2.75% | 2.92% | 2.92% | 2.89% | 2.97% | 2.95% | 2.73% | 2.61% | 2.53% | 2.27% | 2.75% |
| Ujjivan SFB | 2.16% | 2.26% | 2.38% | 2.45% | 2.52% | 2.18% | 2.68% | 2.52% | 2.52% | 2.23% | 2.18% | 2.35% | 2.62% |
| Utkarsh SFB | 6.09% | 3.75% | 3.23% | 6.17% | 9.43% | — | — | — | — | — | — | — | — |
| Suryoday SFB | 6.60% | 6.55% | 6.69% | 5.93% | 8.46% | 7.16% | 5.53% | 3.03% | 2.84% | 2.94% | 3.06% | 2.90% | 3.04% |
Quarterly NNPA %
Pure Quarters| Bank | FY27 | FY26 | FY25 | FY24 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Q1FY27 | Q4FY26 | Q3FY26 | Q2FY26 | Q1FY26 | Q4FY25 | Q3FY25 | Q2FY25 | Q1FY25 | Q4FY24 | Q3FY24 | Q2FY24 | Q1FY24 | |
| AU SFB | 0.76% | 0.45% | 0.88% | 0.88% | 0.88% | 0.74% | 0.91% | 0.75% | 0.63% | 0.55% | 0.68% | 0.60% | 0.55% |
| Capital SFB | 1.14% | 1.24% | 1.35% | 1.38% | 1.39% | 1.30% | 1.35% | 1.29% | 1.35% | 1.40% | 1.53% | 1.36% | 1.37% |
| ESAF SFB | 0.83% | 1.77% | 2.73% | 3.80% | 3.77% | 2.99% | 2.97% | 2.98% | 3.22% | 2.26% | 2.19% | 1.19% | 0.81% |
| Equitas SFB | 0.71% | 0.72% | 0.92% | 0.98% | 0.98% | 0.98% | 0.96% | 0.97% | 0.83% | 1.17% | 1.13% | 0.97% | 1.18% |
| Jana SFB | 0.91% | 1.26% | 0.94% | 0.94% | 0.94% | 0.94% | 0.94% | 0.99% | 0.99% | 0.56% | 0.71% | 0.87% | 1.19% |
| Ujjivan SFB | 0.34% | 0.43% | 0.37% | 0.67% | 0.70% | 0.49% | 0.56% | 0.56% | 0.41% | 0.28% | 0.17% | 0.09% | 0.06% |
| Utkarsh SFB | 2.86% | 1.33% | 0.39% | 2.50% | 4.84% | — | — | — | — | — | — | — | — |
| Suryoday SFB | 1.27% | 4.21% | 4.35% | 3.80% | 5.64% | 4.58% | 3.13% | 0.80% | 0.47% | 0.86% | 1.42% | 1.46% | 1.63% |
PCR without Tech W/off (%)
Pure Quarters| Bank | FY27 | FY26 | FY25 | FY24 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Q1FY27 | Q4FY26 | Q3FY26 | Q2FY26 | Q1FY26 | Q4FY25 | Q3FY25 | Q2FY25 | Q1FY25 | Q4FY24 | Q3FY24 | Q2FY24 | Q1FY24 | |
| AU SFB | 64.1% | 64.1% | 62.1% | 64.2% | 64.7% | 68.1% | 61.2% | 62.8% | 65.1% | 67.6% | 66.0% | 69.1% | 69.0% |
| Capital SFB | 54.5% | 51.9% | 50.5% | 49.6% | 50.2% | 50.4% | 50.3% | 51.3% | 50.6% | 50.0% | 49.1% | 51.0% | 51.9% |
| ESAF SFB | 85.3% | 68.5% | 53.0% | 57.4% | 51.5% | 58.2% | 59.1% | 59.0% | 53.0% | 53.7% | 48.4% | 55.5% | 51.3% |
| Equitas SFB | 71.0% | 73.0% | 67.1% | 66.9% | 67.0% | 66.8% | 68.3% | 67.7% | 70.3% | 56.1% | 56.0% | 57.7% | 57.8% |
| Jana SFB | 62.6% | 63.1% | 64.4% | 67.8% | 68.2% | 66.1% | 66.9% | 67.2% | 62.7% | 73.7% | 67.9% | 64.9% | 60.1% |
| Ujjivan SFB | 84.7% | 81.4% | 76.3% | 73.3% | 72.9% | 78.1% | 79.7% | 78.1% | 84.0% | 87.5% | 92.5% | 96.3% | 97.9% |
| Utkarsh SFB | 54.6% | 65.4% | 88.2% | 61.1% | 51.2% | — | — | — | — | — | — | — | — |
| Suryoday SFB | 81.8% | 37.3% | 36.6% | 37.3% | 35.4% | 37.7% | 44.7% | 74.3% | 83.9% | 71.2% | 54.3% | 50.5% | 47.3% |
Quarterly GNPA Movement
₹ Crores| Bank | FY27 | FY26 | FY25 | FY24 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Q1FY27 | Q4FY26 | Q3FY26 | Q2FY26 | Q1FY26 | Q4FY25 | Q3FY25 | Q2FY25 | Q1FY25 | Q4FY24 | Q3FY24 | Q2FY24 | Q1FY24 | |
| AU SFB | ₹2,948 | ₹2,756 | ₹2,881 | ₹2,835 | ₹2,751 | ₹2,477 | ₹2,336 | ₹1,902 | ₹1,613 | ₹1,237 | ₹1,340 | ₹1,245 | ₹1,121 |
| Capital SFB | ₹224 | ₹220 | ₹219 | ₹213 | ₹204 | ₹185 | ₹182 | ₹175 | ₹172 | ₹170 | ₹170 | ₹160 | ₹155 |
| ESAF SFB | ₹1,253 | ₹1,214 | ₹1,166 | ₹1,635 | ₹1,364 | ₹1,291 | ₹1,274 | ₹1,279 | ₹1,242 | ₹893 | ₹713 | ₹399 | ₹238 |
| Equitas SFB | ₹1,100 | ₹1,135 | ₹1,116 | ₹1,082 | ₹1,036 | ₹1,068 | ₹1,072 | ₹1,023 | ₹889 | ₹821 | ₹750 | ₹660 | ₹770 |
| Jana SFB | ₹841 | ₹847 | ₹829 | ₹871 | ₹825 | ₹750 | ₹758 | ₹755 | ₹646 | ₹494 | ₹487 | ₹521 | ₹553 |
| Ujjivan SFB | ₹924 | ₹917 | ₹879 | ₹843 | ₹834 | ₹696 | ₹811 | ₹750 | ₹697 | ₹613 | ₹571 | ₹586 | ₹597 |
| Utkarsh SFB | ₹1,163 | ₹1,460 | ₹1,986 | ₹2,276 | ₹2,196 | ₹1,854 | ₹1,177 | ₹719 | ₹476 | ₹418 | ₹464 | ₹404 | ₹431 |
| Suryoday SFB | ₹931 | ₹864 | ₹790 | ₹655 | ₹918 | ₹734 | ₹529 | ₹273 | ₹241 | ₹242 | ₹223 | ₹198 | ₹191 |
Quarterly NNPA Movement
₹ Crores| Bank | FY27 | FY26 | FY25 | FY24 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Q1FY27 | Q4FY26 | Q3FY26 | Q2FY26 | Q1FY26 | Q4FY25 | Q3FY25 | Q2FY25 | Q1FY25 | Q4FY24 | Q3FY24 | Q2FY24 | Q1FY24 | |
| AU SFB | ₹1,060 | ₹990 | ₹1,091 | ₹1,016 | ₹971 | ₹791 | ₹906 | ₹707 | ₹563 | ₹401 | ₹456 | ₹385 | ₹347 |
| Capital SFB | ₹102 | ₹106 | ₹108 | ₹107 | ₹102 | ₹92 | ₹91 | ₹85 | ₹85 | ₹85 | ₹86 | ₹79 | ₹74 |
| ESAF SFB | ₹184 | ₹382 | ₹548 | ₹696 | ₹661 | ₹540 | ₹520 | ₹525 | ₹584 | ₹414 | ₹368 | ₹178 | ₹116 |
| Equitas SFB | ₹319 | ₹306 | ₹367 | ₹358 | ₹342 | ₹354 | ₹340 | ₹330 | ₹264 | ₹361 | ₹330 | ₹279 | ₹325 |
| Jana SFB | ₹314 | ₹313 | ₹295 | ₹281 | ₹263 | ₹254 | ₹251 | ₹247 | ₹241 | ₹130 | ₹156 | ₹183 | ₹221 |
| Ujjivan SFB | ₹142 | ₹170 | ₹208 | ₹225 | ₹226 | ₹152 | ₹165 | ₹164 | ₹111 | ₹76 | ₹43 | ₹22 | ₹13 |
| Utkarsh SFB | ₹529 | ₹594 | ₹751 | ₹848 | ₹897 | ₹905 | ₹458 | ₹160 | ₹43 | ₹4 | ₹29 | ₹22 | ₹44 |
| Suryoday SFB | ₹170 | ₹542 | ₹501 | ₹411 | ₹593 | ₹457 | ₹292 | ₹70 | ₹39 | ₹70 | ₹102 | ₹98 | ₹101 |
Balance Sheet
Assets & Liabilities · Small Finance Banks · ₹ Crores
₹136,153 Cr
Total Deposits
Base Year
₹45,946 Cr
Total CASA Deposits
Base Year
33.75%
CASA Ratio
Base Year
₹126,705 Cr
Total Net Advances
Base Year
₹20,175 Cr
Total Networth
Base Year
₹187,924 Cr
Total Assets
Base Year
Balance Sheet by Bank
Deposits (₹ Cr)
CASA Ratio %
Gross Advances (₹ Cr)
Net Advances (₹ Cr)
Networth (₹ Cr)
Total Assets (₹ Cr)
₹176,721 Cr
Total Deposits
29.8% vs FY22
₹57,072 Cr
Total CASA Deposits
24.2% vs FY22
32.30%
CASA Ratio
-145 bps vs FY22
₹161,706 Cr
Total Net Advances
27.6% vs FY22
₹27,281 Cr
Total Networth
35.2% vs FY22
₹241,328 Cr
Total Assets
28.4% vs FY22
Balance Sheet by Bank
Deposits (₹ Cr)
CASA Ratio %
Gross Advances (₹ Cr)
Net Advances (₹ Cr)
Networth (₹ Cr)
Total Assets (₹ Cr)
₹229,940 Cr
Total Deposits
30.1% vs FY23
₹65,974 Cr
Total CASA Deposits
15.6% vs FY23
28.69%
CASA Ratio
-360 bps vs FY23
₹202,932 Cr
Total Net Advances
25.5% vs FY23
₹35,287 Cr
Total Networth
29.4% vs FY23
₹299,524 Cr
Total Assets
24.1% vs FY23
Balance Sheet by Bank
Deposits (₹ Cr)
CASA Ratio %
Gross Advances (₹ Cr)
Net Advances (₹ Cr)
Networth (₹ Cr)
Total Assets (₹ Cr)
₹297,870 Cr
Total Deposits
29.5% vs FY24
₹79,278 Cr
Total CASA Deposits
20.2% vs FY24
26.61%
CASA Ratio
-208 bps vs FY24
₹255,656 Cr
Total Net Advances
26.0% vs FY24
₹40,436 Cr
Total Networth
14.6% vs FY24
₹377,862 Cr
Total Assets
26.2% vs FY24
Balance Sheet by Bank
Deposits (₹ Cr)
CASA Ratio %
Gross Advances (₹ Cr)
Net Advances (₹ Cr)
Networth (₹ Cr)
Total Assets (₹ Cr)
₹352,163 Cr
Total Deposits
18.2% vs FY25
₹91,637 Cr
Total CASA Deposits
15.6% vs FY25
26.02%
CASA Ratio
-59 bps vs FY25
₹311,730 Cr
Total Net Advances
21.9% vs FY25
₹43,772 Cr
Total Networth
8.2% vs FY25
₹449,162 Cr
Total Assets
18.9% vs FY25
Balance Sheet by Bank
Deposits (₹ Cr)
CASA Ratio %
Gross Advances (₹ Cr)
Net Advances (₹ Cr)
Networth (₹ Cr)
Total Assets (₹ Cr)
₹3,64,796 Cr
Total Deposits
19.7% YoY
₹95,630 Cr
Total CASA Deposits
19.3% YoY
25.39%
CASA Ratio
+54 bps YoY
₹3,22,914 Cr
Total Net Advances
25.1% YoY
₹45,611 Cr
Total Networth
12.5% YoY
₹4,61,878 Cr
Total Assets
20.0% YoY
Balance Sheet by Bank
Deposits (₹ Cr)
CASA Ratio %
Gross Advances (₹ Cr)
Net Advances (₹ Cr)
Networth (₹ Cr)
Total Assets (₹ Cr)
BALANCE SHEET · COMPARATIVE ANALYSIS · ALL SMALL FINANCE BANKS
Key Fundamentals
₹ Crores| Particulars | FY27 | FY26 | FY25 | FY24 | FY23 | FY22 | ||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| AU SFB | Capital SFB | ESAF SFB | Jana SFB | Equitas SFB | Ujjivan SFB | Utkarsh SFB | Suryoday SFB | AU SFB | Capital SFB | ESAF SFB | Jana SFB | Equitas SFB | Ujjivan SFB | Utkarsh SFB | Suryoday SFB | AU SFB | Capital SFB | ESAF SFB | Jana SFB | Equitas SFB | Ujjivan SFB | Utkarsh SFB | Suryoday SFB | AU SFB | Capital SFB | ESAF SFB | Jana SFB | Equitas SFB | Ujjivan SFB | Utkarsh SFB | Suryoday SFB | AU SFB | Capital SFB | ESAF SFB | Jana SFB | Equitas SFB | Ujjivan SFB | Utkarsh SFB | Suryoday SFB | AU SFB | Capital SFB | ESAF SFB | Jana SFB | Equitas SFB | Ujjivan SFB | Utkarsh SFB | Suryoday SFB | |
| Deposits | ₹1,57,727 | ₹10,596 | ₹26,924 | ₹35,756 | ₹48,976 | ₹48,129 | ₹22,054 | ₹14,634 | ₹152,661 | ₹10,018 | ₹25,850 | ₹35,784 | ₹46,533 | ₹45,668 | ₹21,654 | ₹13,994 | ₹124,269 | ₹8,323 | ₹23,276 | ₹29,120 | ₹43,107 | ₹37,630 | ₹21,566 | ₹10,580 | ₹87,182 | ₹7,478 | ₹19,868 | ₹22,571 | ₹36,129 | ₹31,462 | ₹17,473 | ₹7,777 | ₹69,365 | ₹6,561 | ₹14,666 | ₹16,334 | ₹25,381 | ₹25,538 | ₹13,710 | ₹5,167 | ₹52,585 | ₹6,046 | ₹12,815 | ₹13,536 | ₹18,951 | ₹18,292 | ₹10,074 | ₹3,854 |
| ↳ Deposit Growth YoY | 23.5% | 16.3% | 18.6% | 21.5% | 10.4% | 24.6% | 2.6% | 29.4% | 22.8% | 20.4% | 11.1% | 22.9% | 7.9% | 21.4% | 0.4% | 32.3% | 42.5% | 11.3% | 17.2% | 29.0% | 19.3% | 19.6% | 23.4% | 36.0% | 25.7% | 14.0% | 35.5% | 38.2% | 42.3% | 23.2% | 27.4% | 50.5% | 31.9% | 8.5% | 14.4% | 20.7% | 33.9% | 39.6% | 36.1% | 34.1% | 46.2% | 15.8% | 42.4% | 9.3% | 15.6% | 39.3% | 34.2% | 18.4% |
| CASA Ratio | 28.78% | 36.67% | 23.39% | 19.22% | 25.13% | 26.87% | 22.07% | 20.99% | 28.40% | 34.74% | 23.91% | 17.94% | 26.21% | 25.50% | 24.00% | 22.60% | 29.17% | 36.94% | 24.84% | 17.98% | 28.79% | 25.54% | 21.79% | 20.91% | 33.41% | 38.30% | 22.66% | 19.70% | 31.97% | 26.49% | 20.50% | 20.14% | 38.43% | 41.88% | 21.40% | 20.21% | 42.28% | 26.41% | 20.90% | 17.11% | 37.29% | 41.90% | 22.84% | 22.52% | 52.00% | 27.30% | 22.40% | 18.78% |
| CASA Deposits | ₹45,400 | ₹3,886 | ₹6,297 | ₹6,871 | ₹12,307 | ₹12,930 | ₹4,867 | ₹3,072 | ₹43,357 | ₹3,480 | ₹6,181 | ₹6,418 | ₹12,198 | ₹11,645 | ₹5,196 | ₹3,162 | ₹36,253 | ₹3,074 | ₹5,783 | ₹5,235 | ₹12,410 | ₹9,612 | ₹4,699 | ₹2,212 | ₹29,126 | ₹2,864 | ₹4,502 | ₹4,447 | ₹11,552 | ₹8,335 | ₹3,582 | ₹1,566 | ₹26,660 | ₹2,748 | ₹3,138 | ₹3,301 | ₹10,732 | ₹6,744 | ₹2,865 | ₹884 | ₹19,608 | ₹2,533 | ₹2,927 | ₹3,049 | ₹9,855 | ₹4,993 | ₹2,257 | ₹724 |
| ↳ CASA Growth YoY | 21.6% | 18.8% | 11.9% | 31.3% | -5.7% | 37.8% | 15.1% | 53.1% | 19.6% | 13.2% | 6.9% | 22.6% | -1.7% | 21.2% | 10.6% | 42.9% | 24.5% | 7.3% | 28.5% | 17.7% | 7.4% | 15.3% | 31.2% | 41.3% | 9.2% | 4.2% | 43.5% | 34.7% | 7.6% | 23.6% | 25.0% | 77.1% | 36.0% | 8.5% | 7.2% | 8.3% | 8.9% | 35.1% | 27.0% | 22.1% | 137.0% | 21.1% | 67.5% | 46.9% | 75.5% | 85.0% | 70.0% | 44.0% |
| Gross Advances | ₹1,40,461 | ₹9,074 | ₹23,216 | ₹35,226 | ₹47,641 | ₹42,903 | ₹19,610 | ₹14,116 | ₹136,041 | ₹8,687 | ₹22,426 | ₹34,362 | ₹46,165 | ₹40,655 | ₹19,332 | ₹13,261 | ₹108,778 | ₹7,184 | ₹18,779 | ₹27,651 | ₹37,986 | ₹32,122 | ₹19,666 | ₹10,251 | ₹73,999 | ₹6,160 | ₹18,772 | ₹23,476 | ₹34,337 | ₹29,780 | ₹18,299 | ₹8,250 | ₹59,158 | ₹5,507 | ₹14,118 | ₹18,001 | ₹27,861 | ₹24,085 | ₹13,957 | ₹6,113 | ₹46,789 | ₹4,689 | ₹12,131 | ₹13,250 | ₹20,597 | ₹18,162 | ₹10,631 | ₹5,065 |
| ↳ Gross Advances Growth YoY | 25.8% | 22.0% | 27.4% | 24.1% | 26.7% | 28.9% | 2.0% | 30.2% | 25.1% | 20.9% | 19.4% | 24.3% | 21.5% | 26.6% | -1.7% | 29.4% | 47.0% | 16.6% | 0.0% | 17.8% | 10.6% | 7.9% | 7.5% | 24.2% | 25.1% | 11.9% | 33.0% | 30.4% | 23.2% | 23.6% | 31.1% | 35.0% | 26.4% | 17.4% | 16.4% | 35.9% | 35.3% | 32.6% | 31.3% | 20.7% | 32.3% | 24.6% | 44.2% | 11.8% | 14.9% | 20.0% | 26.3% | 20.9% |
| Gross Credit to Deposit (CD Ratio %) | 87.9% | 84.5% | 82.3% | 97.0% | 91.3% | 87.2% | 83.8% | 91.3% | 89.1% | 86.7% | 86.8% | 96.0% | 99.2% | 89.0% | 89.3% | 94.8% | 87.5% | 86.3% | 80.7% | 95.0% | 88.1% | 85.4% | 91.2% | 96.9% | 84.9% | 82.4% | 94.5% | 104.0% | 95.0% | 94.7% | 104.7% | 106.1% | 85.3% | 83.9% | 96.3% | 110.2% | 109.8% | 94.3% | 101.8% | 118.3% | 89.0% | 77.6% | 94.7% | 97.9% | 108.7% | 99.3% | 105.5% | 131.4% |
| Net Advances | ₹1,38,572 | ₹8,952 | ₹22,146 | ₹34,699 | ₹44,733 | ₹41,980 | ₹18,478 | ₹13,354 | ₹134,276 | ₹8,572 | ₹21,594 | ₹33,828 | ₹42,751 | ₹39,761 | ₹18,070 | ₹12,879 | ₹107,092 | ₹7,090 | ₹18,028 | ₹27,155 | ₹36,209 | ₹31,390 | ₹18,716 | ₹9,974 | ₹73,163 | ₹6,075 | ₹18,293 | ₹23,111 | ₹30,964 | ₹26,883 | ₹16,365 | ₹8,078 | ₹58,422 | ₹5,428 | ₹13,924 | ₹17,760 | ₹25,799 | ₹21,290 | ₹13,069 | ₹6,015 | ₹46,095 | ₹4,635 | ₹11,637 | ₹13,007 | ₹19,374 | ₹16,978 | ₹10,228 | ₹4,751 |
| ↳ Net Advances Growth YoY | 26.2% | 22.0% | 26.4% | 24.7% | 28.8% | 29.2% | 3.1% | 26.9% | 25.4% | 20.9% | 19.8% | 24.6% | 18.1% | 26.7% | -3.5% | 29.1% | 46.4% | 16.7% | -1.4% | 17.5% | 16.9% | 16.8% | 14.4% | 23.5% | 25.2% | 11.9% | 31.4% | 30.1% | 20.0% | 26.3% | 25.2% | 34.3% | 26.7% | 17.1% | 19.7% | 36.5% | 33.2% | 25.4% | 27.8% | 26.6% | 33.2% | 24.8% | 42.5% | 12.0% | 15.0% | 17.1% | 24.5% | 19.3% |
| Gross NPAs | ₹2,948 | ₹224 | ₹1,253 | ₹841 | ₹1,100 | ₹924 | ₹1,163 | ₹931 | ₹2,756 | ₹220 | ₹1,214 | ₹847 | ₹1,135 | ₹917 | ₹1,460 | ₹864 | ₹2,477 | ₹185 | ₹1,291 | ₹750 | ₹1,068 | ₹696 | ₹1,854 | ₹734 | ₹1,237 | ₹170 | ₹893 | ₹494 | ₹821 | ₹613 | ₹418 | ₹242 | ₹981 | ₹153 | ₹352 | ₹709 | ₹724 | ₹631 | ₹432 | ₹191 | ₹924 | ₹117 | ₹950 | ₹757 | ₹837 | ₹1,284 | ₹648 | ₹597 |
| Net NPAs | ₹1,060 | ₹102 | ₹184 | ₹314 | ₹319 | ₹142 | ₹529 | ₹170 | ₹990 | ₹106 | ₹382 | ₹313 | ₹306 | ₹170 | ₹594 | ₹542 | ₹791 | ₹92 | ₹540 | ₹254 | ₹354 | ₹152 | ₹905 | ₹457 | ₹401 | ₹85 | ₹414 | ₹130 | ₹361 | ₹76 | ₹4 | ₹70 | ₹245 | ₹74 | ₹158 | ₹468 | ₹312 | ₹9 | ₹51 | ₹93 | ₹231 | ₹63 | ₹456 | ₹513 | ₹479 | ₹100 | ₹236 | ₹283 |
| % of Gross NPAs | 2.10% | 2.47% | 5.40% | 2.39% | 2.42% | 2.16% | 6.09% | 6.60% | 0.74% | 2.54% | 5.41% | 2.46% | 2.60% | 2.26% | 7.71% | 6.55% | 2.28% | 2.58% | 6.87% | 2.71% | 2.89% | 2.18% | 9.43% | 7.16% | 1.67% | 2.76% | 4.76% | 2.11% | 2.61% | 2.23% | 2.51% | 2.94% | 1.66% | 2.77% | 2.49% | 3.94% | 2.76% | 2.88% | 3.23% | 3.13% | 1.98% | 2.50% | 7.83% | 5.71% | 4.24% | 7.34% | 6.10% | 11.80% |
| % of Net NPAs | 0.76% | 1.14% | 0.83% | 0.91% | 0.71% | 0.34% | 2.86% | 1.27% | 0.45% | 1.24% | 1.77% | 1.26% | 0.72% | 0.43% | 3.29% | 4.21% | 0.74% | 1.30% | 2.99% | 0.94% | 0.98% | 0.49% | 4.84% | 4.58% | 0.55% | 1.40% | 2.26% | 0.56% | 1.17% | 0.28% | 0.03% | 0.86% | 0.42% | 1.36% | 1.13% | 2.64% | 1.21% | 0.04% | 0.39% | 1.55% | 0.50% | 1.40% | 3.92% | 3.95% | 2.47% | 0.61% | 2.31% | 5.97% |
| PCR without Tech W/off (%) | 64.1% | 54.5% | 85.3% | 62.6% | 71.0% | 84.7% | 54.6% | 81.8% | 64.1% | 51.9% | 68.5% | 63.1% | 73.0% | 81.4% | 59.3% | 37.3% | 68.1% | 50.4% | 58.2% | 66.1% | 66.8% | 78.1% | 51.2% | 37.7% | 67.6% | 50.0% | 53.7% | 73.7% | 56.1% | 87.5% | 98.9% | 71.2% | 75.0% | 51.5% | 55.1% | 34.0% | 56.9% | 98.6% | 88.2% | 51.4% | 75.0% | 46.0% | 52.0% | 32.2% | 42.7% | 92.2% | 63.6% | 52.6% |
| Equity Share Capital | ₹749 | ₹45 | ₹516 | ₹105 | ₹1,144 | ₹1,945 | ₹1,780 | ₹106 | ₹748 | ₹45 | ₹516 | ₹105 | ₹1,141 | ₹1,943 | ₹1,780 | ₹106 | ₹745 | ₹45 | ₹515 | ₹105 | ₹1,140 | ₹1,935 | ₹1,102 | ₹106 | ₹667 | ₹45 | ₹515 | ₹105 | ₹1,135 | ₹1,931 | ₹1,099 | ₹106 | ₹667 | ₹34 | ₹449 | ₹55 | ₹1,111 | ₹1,955 | ₹896 | ₹106 | ₹315 | ₹34 | ₹449 | ₹51 | ₹1,252 | ₹1,728 | ₹896 | ₹106 |
| Networth | ₹20,520 | ₹1,480 | ₹1,864 | ₹4,463 | ₹5,798 | ₹7,144 | ₹2,203 | ₹2,137 | ₹19,627 | ₹1,449 | ₹1,780 | ₹4,216 | ₹5,582 | ₹6,816 | ₹2,247 | ₹2,055 | ₹16,930 | ₹1,334 | ₹1,945 | ₹3,874 | ₹5,593 | ₹6,083 | ₹2,776 | ₹1,900 | ₹12,560 | ₹1,197 | ₹2,486 | ₹3,391 | ₹5,537 | ₹5,613 | ₹2,722 | ₹1,781 | ₹10,977 | ₹611 | ₹1,709 | ₹1,777 | ₹4,797 | ₹4,136 | ₹1,845 | ₹1,429 | ₹7,514 | ₹516 | ₹1,407 | ₹1,335 | ₹3,972 | ₹2,560 | ₹1,421 | ₹1,452 |
| Total Assets | ₹1,97,125 | ₹12,949 | ₹31,429 | ₹46,812 | ₹64,283 | ₹60,658 | ₹28,418 | ₹20,204 | ₹191,797 | ₹12,144 | ₹30,868 | ₹47,448 | ₹60,610 | ₹57,541 | ₹28,869 | ₹19,884 | ₹157,846 | ₹10,108 | ₹27,178 | ₹38,464 | ₹52,836 | ₹47,689 | ₹28,127 | ₹15,614 | ₹109,426 | ₹9,295 | ₹26,087 | ₹32,710 | ₹45,304 | ₹40,422 | ₹23,903 | ₹12,378 | ₹90,216 | ₹7,991 | ₹20,224 | ₹25,644 | ₹34,958 | ₹33,317 | ₹19,117 | ₹9,861 | ₹69,078 | ₹7,154 | ₹17,708 | ₹20,189 | ₹26,948 | ₹23,604 | ₹15,064 | ₹8,180 |
| Book Value Per Share (₹) | ₹277.3 | ₹325.6 | ₹36.1 | ₹435.6 | ₹55.2 | ₹36.7 | ₹15.4 | ₹202.6 | ₹266.9 | ₹319.1 | ₹34.5 | ₹420.9 | ₹53.7 | ₹35.1 | ₹15.6 | ₹195.5 | ₹230.6 | ₹294.9 | ₹37.7 | ₹389.5 | ₹53.3 | ₹31.4 | ₹27.0 | ₹181.3 | ₹188.3 | ₹265.9 | ₹48.3 | ₹366.8 | ₹52.6 | ₹28.7 | ₹27.0 | ₹170.0 | ₹164.6 | ₹178.3 | ₹38.0 | ₹326.9 | ₹46.4 | ₹21.2 | ₹22.3 | ₹149.3 | ₹119.3 | ₹151.5 | ₹31.3 | ₹259.6 | ₹33.9 | ₹14.8 | ₹17.6 | ₹141.0 |
| Capital Adequacy Ratio | 18.9% | 19.2% | 23.9% | 20.2% | 19.4% | 20.4% | 17.4% | 20.0% | 18.7% | 22.3% | 22.2% | 19.4% | 20.3% | 21.1% | 17.7% | 20.4% | 20.1% | 25.4% | 21.8% | 20.7% | 20.6% | 23.1% | 20.9% | 25.8% | 20.1% | 27.4% | 23.3% | 20.3% | 21.7% | 24.7% | 22.6% | 28.4% | 23.6% | 18.9% | 19.8% | 15.6% | 23.8% | 25.8% | 20.6% | 33.7% | 21.0% | 18.6% | 18.6% | 15.3% | 25.2% | 19.0% | 21.6% | 37.9% |
| Branches | 2,920 | 216 | 821 | 826 | 969 | 776 | 1,110 | 718 | 2,790 | 211 | 804 | 822 | 965 | 776 | 1,110 | 717 | 2,456 | 195 | 787 | 802 | 965 | 753 | 1,092 | 710 | 1,074 | 177 | 753 | 808 | 965 | 752 | 888 | 695 | 1,027 | 170 | 700 | 754 | 922 | 629 | 830 | 577 | 902 | 161 | 575 | 715 | 861 | 575 | 686 | 565 |
Efficiency Ratios
NIM · ROE · ROA · CAR · Small Finance Banks
5,040
Total Branches
Base Year
₹0.21 Cr
PAT Per Branch (₹ Cr)
Base Year
₹27.01 Cr
Deposits Per Branch
Base Year
₹25.14 Cr
Net Advances Per Branch
Base Year
Efficiency & Ratio Metrics by Bank
Net Interest Margin % (NIM)
Return on Equity % (ROE)
Return on Assets % (ROA)
Deposits Per Branch (₹ Cr)
Net Advances Per Branch (₹ Cr)
Efficiency Ratios
% · FY22| Particulars | AU SFB | Capital SFB | ESAF SFB | Jana SFB | Equitas SFB | Ujjivan SFB | Utkarsh SFB | Suryoday SFB |
|---|---|---|---|---|---|---|---|---|
| Net Interest Margin (NIM) % | 5.70% | 3.80% | 8.86% | 7.26% | 8.54% | 8.80% | 8.80% | 8.60% |
| Cost to Income Ratio % | 57.07% | 63.42% | 63.69% | 66.46% | 66.26% | 71.63% | 58.91% | 60.86% |
| Return on Assets (RoA) % | 1.87% | 0.90% | 0.39% | 0.09% | 1.07% | (1.90%) | 0.48% | (1.29%) |
| Return on Equity (RoE) % | 16.40% | 12.90% | 4.14% | 1.53% | 7.75% | (13.80%) | 4.14% | (6.01%) |
5,609
Total Branches
11.3% vs FY22
₹0.75 Cr
PAT Per Branch (₹ Cr)
257.4% vs FY22
₹31.51 Cr
Deposits Per Branch
16.6% vs FY22
₹28.83 Cr
Net Advances Per Branch
14.7% vs FY22
Efficiency & Ratio Metrics by Bank
Net Interest Margin % (NIM)
Return on Equity % (ROE)
Return on Assets % (ROA)
Deposits Per Branch (₹ Cr)
Net Advances Per Branch (₹ Cr)
Efficiency Ratios
% · FY23| Particulars | AU SFB | Capital SFB | ESAF SFB | Jana SFB | Equitas SFB | Ujjivan SFB | Utkarsh SFB | Suryoday SFB |
|---|---|---|---|---|---|---|---|---|
| Net Interest Margin (NIM) % | 6.10% | 4.20% | 10.00% | 7.84% | 9.00% | 9.50% | 9.70% | 9.50% |
| Cost to Income Ratio % | 63.01% | 59.97% | 57.93% | 56.22% | 63.41% | 55.32% | 54.15% | 60.02% |
| Return on Assets (RoA) % | 1.79% | 1.20% | 1.63% | 1.13% | 1.82% | 1.01% | 2.42% | 0.87% |
| Return on Equity (RoE) % | 15.40% | 16.60% | 19.40% | 16.70% | 12.55% | 31.40% | 22.84% | 5.10% |
6,112
Total Branches
9.0% vs FY23
₹0.93 Cr
PAT Per Branch (₹ Cr)
23.4% vs FY23
₹37.62 Cr
Deposits Per Branch
19.4% vs FY23
₹33.20 Cr
Net Advances Per Branch
15.2% vs FY23
Efficiency & Ratio Metrics by Bank
Net Interest Margin % (NIM)
Return on Equity % (ROE)
Return on Assets % (ROA)
Deposits Per Branch (₹ Cr)
Net Advances Per Branch (₹ Cr)
Efficiency Ratios
% · FY24| Particulars | AU SFB | Capital SFB | ESAF SFB | Jana SFB | Equitas SFB | Ujjivan SFB | Utkarsh SFB | Suryoday SFB |
|---|---|---|---|---|---|---|---|---|
| Net Interest Margin (NIM) % | 5.45% | 3.90% | 10.70% | 8.00% | 8.36% | 9.10% | 9.40% | 9.80% |
| Cost to Income Ratio % | 63.57% | 62.51% | 58.65% | 57.35% | 64.49% | 54.31% | 56.38% | 61.59% |
| Return on Assets (RoA) % | 1.54% | 1.27% | 1.86% | 2.38% | 1.96% | 3.47% | 2.46% | 1.94% |
| Return on Equity (RoE) % | 13.50% | 14.60% | 20.30% | 26.90% | 14.43% | 26.10% | 19.50% | 12.90% |
7,760
Total Branches
27.0% vs FY24
₹0.41 Cr
PAT Per Branch (₹ Cr)
-55.9% vs FY24
₹38.39 Cr
Deposits Per Branch
2.0% vs FY24
₹32.95 Cr
Net Advances Per Branch
-0.8% vs FY24
Efficiency & Ratio Metrics by Bank
Net Interest Margin % (NIM)
Return on Equity % (ROE)
Return on Assets % (ROA)
Deposits Per Branch (₹ Cr)
Net Advances Per Branch (₹ Cr)
Efficiency Ratios
% · FY25| Particulars | AU SFB | Capital SFB | ESAF SFB | Jana SFB | Equitas SFB | Ujjivan SFB | Utkarsh SFB | Suryoday SFB |
|---|---|---|---|---|---|---|---|---|
| Net Interest Margin (NIM) % | 5.94% | 4.20% | 8.10% | 7.60% | 7.51% | 8.80% | 8.03% | 9.00% |
| Cost to Income Ratio % | 56.34% | 62.63% | 75.58% | 62.05% | 67.95% | 62.31% | 61.61% | 70.59% |
| Return on Assets (RoA) % | 1.53% | 1.35% | (1.94%) | 1.49% | 0.30% | 1.67% | 0.09% | 0.84% |
| Return on Equity (RoE) % | 13.10% | 10.40% | (22.80%) | 13.00% | 2.45% | 12.40% | 0.80% | 6.00% |
8,195
Total Branches
5.6% vs FY25
₹0.33 Cr
PAT Per Branch (₹ Cr)
-18.7% vs FY25
₹42.97 Cr
Deposits Per Branch
12.0% vs FY25
₹38.04 Cr
Net Advances Per Branch
15.5% vs FY25
Efficiency & Ratio Metrics by Bank
Net Interest Margin % (NIM)
Return on Equity % (ROE)
Return on Assets % (ROA)
Deposits Per Branch (₹ Cr)
Net Advances Per Branch (₹ Cr)
Efficiency Ratios
% · FY26| Particulars | AU SFB | Capital SFB | ESAF SFB | Jana SFB | Equitas SFB | Ujjivan SFB | Utkarsh SFB | Suryoday SFB |
|---|---|---|---|---|---|---|---|---|
| Net Interest Margin (NIM) % | 5.65% | 4.04% | 6.40% | 6.70% | 6.69% | 8.10% | 5.40% | 7.30% |
| Cost to Income Ratio % | 57.91% | 61.85% | 71.56% | 67.34% | 71.67% | 65.65% | 97.05% | 73.67% |
| Return on Assets (RoA) % | 1.57% | 1.23% | (0.60%) | 0.79% | 0.18% | 1.37% | (4.16%) | 0.89% |
| Return on Equity (RoE) % | 14.20% | 10.10% | (9.10%) | 7.60% | 1.73% | 10.90% | (42.10%) | 7.60% |
8,356
Total Branches
6.8% YoY
₹0.19 Cr
PAT Per Branch (₹ Cr)
400.5% YoY
₹43.66 Cr
Deposits Per Branch
12.1% YoY
₹38.64 Cr
Net Advances Per Branch
17.1% YoY
Efficiency & Ratio Metrics by Bank
Net Interest Margin % (NIM)
Return on Equity % (ROE)
Return on Assets % (ROA)
Deposits Per Branch (₹ Cr)
Net Advances Per Branch (₹ Cr)
Efficiency Ratios
% · Q1FY27| Particulars | AU SFB | Capital SFB | ESAF SFB | Jana SFB | Equitas SFB | Ujjivan SFB | Utkarsh SFB | Suryoday SFB |
|---|---|---|---|---|---|---|---|---|
| Net Interest Margin (NIM) % | 5.9% | 4.2% | 7.9% | 7.5% | 7.07% | 8.5% | 6.1% | 7.2% |
| Cost to Income Ratio % | 57.59% | 59.72% | 58.07% | 66.99% | 68.5% | 62.03% | 88.25% | 70.11% |
| Return on Assets (RoA) % | 1.68% | 1.3% | 1.04% | 1.35% | 1.16% | 2.12% | (0.48%) | 1.52% |
| Return on Equity (RoE) % | 15.6% | 11.2% | 17.5% | 13.6% | 11.76% | 18.2% | (5.0%) | 15.5% |
Financials
Individual Bank Performance · Income Statement · Capital & Key Ratios · Business Numbers
Select a Bank
Click to view quarterly financials
Net Profit (₹ Cr)
₹2,641
FY26
NIM %
5.65%
FY26
GNPA %
0.74%
FY26
NNPA %
0.45%
FY26
ROE %
14.20%
FY26
ROA %
1.57%
FY26
| Particulars | Q1FY27 | FY26 | FY25 | FY24 | FY23 | FY22 | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Q1FY27 | FY26 | Q4FY26 | 9MFY26 | Q3FY26 | H1FY26 | Q2FY26 | Q1FY26 | FY25 | Q4FY25 | 9MFY25 | Q3FY25 | H1FY25 | Q2FY25 | Q1FY25 | FY24 | FY23 | FY22 | |
| INCOME STATEMENT (₹ Crores) | ||||||||||||||||||
| Interest / Disc. on Advances | 4,510.48 | 15,711.11 | 4,243.60 | 11,467.51 | 4,016.36 | 7,451.15 | 3,786.23 | 3,664.92 | 13,368.35 | 3,555.53 | 9,812.82 | 3,441.21 | 6,371.61 | 3,279.63 | 3,091.98 | 8,442.15 | 6,804.96 | 4,947.48 |
| Income on Investments | 750.60 | 2,647.21 | 707.81 | 1,939.40 | 650.04 | 1,289.36 | 644.39 | 644.96 | 2,238.18 | 618.36 | 1,619.82 | 568.52 | 1,051.30 | 508.20 | 543.10 | 1,632.39 | 1,189.88 | 780.53 |
| Interest on Bal with RBI & Others | 23.53 | 92.55 | 22.58 | 69.97 | 23.40 | 46.57 | 29.53 | 17.04 | 69.15 | 21.98 | 47.17 | 18.56 | 28.61 | 14.81 | 13.79 | 66.88 | 58.28 | 87.08 |
| Others | 18.13 | 185.47 | 45.16 | 140.31 | 37.66 | 102.65 | 51.12 | 51.53 | 388.06 | 74.73 | 313.33 | 85.19 | 228.14 | 107.97 | 120.17 | 413.30 | 152.29 | 106.64 |
| Total Fund Based Income | 5,302.74 | 18,636.34 | 5,019.15 | 13,617.19 | 4,727.47 | 8,889.73 | 4,511.28 | 4,378.44 | 16,063.73 | 4,270.60 | 11,793.13 | 4,113.48 | 7,679.65 | 3,910.61 | 3,769.04 | 10,554.71 | 8,205.41 | 5,921.73 |
| ↳ YoY Growth % | 21.11% | 16.02% | 17.53% | 15.47% | 14.93% | 15.76% | 15.36% | 16.17% | 52.19% | 50.93% | 52.66% | 50.36% | 53.92% | 54.51% | 53.32% | 28.63% | 38.56% | 19.63% |
| ↳ QoQ Growth % | 5.65% | — | 6.17% | — | 4.79% | — | 3.03% | 2.53% | — | 3.82% | — | 5.19% | — | 3.76% | 33.21% | — | — | — |
| Other Income | 689.22 | 2,977.94 | 730.95 | 2,246.99 | 723.80 | 1,523.19 | 712.58 | 810.61 | 2,562.70 | 760.67 | 1,802.03 | 618.41 | 1,183.62 | 637.96 | 545.66 | 1,745.89 | 1,034.46 | 993.69 |
| Total Income | 5,991.96 | 21,614.28 | 5,750.10 | 15,864.18 | 5,451.26 | 10,412.91 | 5,223.87 | 5,189.05 | 18,626.43 | 5,031.27 | 13,595.16 | 4,731.89 | 8,863.28 | 4,548.58 | 4,314.70 | 12,300.61 | 9,239.87 | 6,915.43 |
| ↳ YoY Growth % | 15.47% | 16.04% | 14.29% | 16.69% | 15.20% | 17.48% | 14.85% | 20.26% | 51.43% | 48.60% | 52.50% | 48.50% | 54.70% | 53.80% | 55.60% | 33.13% | 33.61% | 8.00% |
| ↳ QoQ Growth % | 4.21% | — | 5.48% | — | 4.35% | — | 0.67% | 3.14% | — | 6.33% | — | 4.03% | — | 5.42% | 27.50% | — | — | — |
| Total Interest Expense | 2,607.24 | 9,523.66 | 2,436.82 | 7,086.84 | 2,386.20 | 4,700.64 | 2,366.87 | 2,333.77 | 8,052.15 | 2,176.68 | 5,875.47 | 2,090.77 | 3,784.71 | 1,936.25 | 1,848.46 | 5,397.63 | 3,780.13 | 2,687.61 |
| ↳ YoY Growth % | 11.72% | 18.27% | 11.95% | 20.62% | 14.13% | 24.20% | 22.24% | 26.25% | 49.18% | 45.84% | 50.45% | 48.18% | 51.74% | 51.02% | 52.50% | 42.79% | 40.65% | 3.99% |
| ↳ QoQ Growth % | 6.99% | — | 2.12% | — | 0.82% | — | 1.42% | 7.22% | — | 4.11% | — | 7.98% | — | 4.75% | 23.85% | — | — | — |
| Net Interest Income (NII) | 2,695.50 | 9,112.68 | 2,582.33 | 6,530.35 | 2,341.27 | 4,189.09 | 2,144.42 | 2,044.67 | 8,011.58 | 2,093.93 | 5,917.66 | 2,022.71 | 3,894.95 | 1,974.36 | 1,920.59 | 5,157.08 | 4,425.28 | 3,234.12 |
| ↳ NII YoY Growth % | 31.83% | 13.74% | 23.32% | 10.35% | 15.75% | 7.55% | 8.61% | 6.46% | 55.35% | 56.61% | 54.91% | 52.67% | 56.10% | 58.08% | 54.11% | 16.54% | 36.83% | 36.72% |
| ↳ NII QoQ Growth % | 4.38% | — | 10.30% | — | 9.18% | — | 4.88% | -2.35% | — | 3.52% | — | 2.45% | — | 2.80% | 43.65% | — | — | — |
| Employee Cost | 1,063.92 | 3,848.16 | 1,044.91 | 2,803.25 | 1,019.01 | 1,784.24 | 918.71 | 865.53 | 3,147.76 | 817.47 | 2,330.29 | 754.66 | 1,575.63 | 785.49 | 790.14 | 2,103.68 | 1,793.03 | 1,378.92 |
| Other Admin Expenses | 885.32 | 3,153.70 | 916.85 | 2,236.85 | 830.74 | 1,406.10 | 728.56 | 677.54 | 2,809.45 | 744.86 | 2,064.59 | 681.55 | 1,383.05 | 695.07 | 687.98 | 2,284.32 | 1,647.24 | 1,033.85 |
| Total Operating Expenses | 1,949.24 | 7,001.86 | 1,961.76 | 5,040.10 | 1,849.75 | 3,190.34 | 1,647.28 | 1,543.07 | 5,957.22 | 1,562.33 | 4,394.88 | 1,436.21 | 2,958.67 | 1,480.56 | 1,478.11 | 4,388.00 | 3,440.27 | 2,412.77 |
| ↳ YoY Growth % | 26.32% | 17.54% | 25.57% | 14.68% | 28.79% | 7.83% | 11.26% | 4.39% | 35.76% | 27.20% | 39.10% | 28.50% | 44.90% | 44.20% | 45.60% | 27.55% | 42.59% | 45.50% |
| ↳ QoQ Growth % | -0.64% | — | 6.06% | — | 12.29% | — | 6.75% | -1.23% | — | 8.78% | — | -3.00% | — | 0.17% | 20.30% | — | — | — |
| Pre-Provision Operating Profit | 1,435.47 | 5,088.76 | 1,351.52 | 3,737.24 | 1,215.31 | 2,521.93 | 1,209.72 | 1,312.21 | 4,617.06 | 1,292.26 | 3,324.80 | 1,204.90 | 2,119.90 | 1,131.77 | 988.13 | 2,514.97 | 2,019.48 | 1,815.04 |
| ↳ PPOP YoY Growth % | 9.39% | 10.22% | 4.59% | 12.40% | 0.86% | 18.96% | 6.89% | 32.80% | 83.58% | 94.57% | 79.64% | 83.37% | 77.59% | 74.74% | 80.96% | 24.54% | 11.26% | -15.91% |
| ↳ PPOP QoQ Growth % | 6.21% | — | 11.21% | — | 0.46% | — | -7.81% | 1.54% | — | 7.25% | — | 6.46% | — | 14.54% | 48.78% | — | — | — |
| Total Provisions | 371.49 | 1,614.71 | 269.43 | 1,345.28 | 331.14 | 1,014.14 | 480.83 | 533.31 | 1,829.01 | 635.11 | 1,193.90 | 501.68 | 692.22 | 372.99 | 319.24 | 438.74 | 154.83 | 360.97 |
| Exceptional Items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 76.80 | 0.00 | 0.00 |
| Profit Before Tax (PBT) | 1,063.99 | 3,474.05 | 1,082.08 | 2,391.96 | 884.17 | 1,507.80 | 728.89 | 778.90 | 2,788.05 | 657.15 | 2,130.90 | 703.23 | 1,427.68 | 758.78 | 668.89 | 1,999.43 | 1,864.65 | 1,454.07 |
| Income Tax | 268.03 | 832.79 | 250.21 | 582.58 | 216.51 | 366.07 | 168.02 | 198.05 | 682.13 | 153.45 | 528.68 | 174.78 | 353.89 | 187.57 | 166.32 | 464.71 | 436.71 | 324.24 |
| Net Profit / PAT | 795.95 | 2,641.25 | 831.87 | 1,809.38 | 667.66 | 1,141.73 | 560.87 | 580.86 | 2,105.93 | 503.70 | 1,602.23 | 528.45 | 1,073.78 | 571.21 | 502.57 | 1,534.72 | 1,427.94 | 1,129.83 |
| ↳ PAT YoY Growth % | 37.03% | 25.42% | 65.15% | 12.93% | 26.34% | 6.33% | -1.81% | 15.58% | 37.22% | 35.86% | 37.65% | 40.83% | 36.14% | 42.15% | 29.90% | 7.48% | 26.39% | -3.49% |
| ↳ PAT QoQ Growth % | -4.32% | — | 24.59% | — | 19.04% | — | -3.44% | 15.32% | — | -4.68% | — | -7.49% | — | 13.66% | 35.56% | — | — | — |
| BALANCE SHEET & BUSINESS (₹ Crores) | ||||||||||||||||||
| Total Assets | 197,125.18 | 191,797.47 | 191,797.47 | 174,052.15 | 174,052.15 | 165,541.93 | 165,541.93 | 160,813.00 | 157,845.67 | 157,845.67 | 143,044.43 | 143,044.43 | 138,829.17 | 138,829.17 | 125,942.00 | 109,425.67 | 90,216.12 | 69,077.80 |
| Networth | 20,520.32 | 19,626.95 | 19,626.95 | 18,700.85 | 18,700.85 | 17,936.47 | 17,936.47 | 17,436.53 | 16,930.32 | 16,930.32 | 16,300.43 | 16,300.43 | 15,768.53 | 15,768.53 | 15,262.91 | 12,559.53 | 10,977.34 | 7,514.01 |
| Equity Share Capital | 748.97 | 748.27 | 748.27 | 747.18 | 747.18 | 746.11 | 746.11 | 745.19 | 744.53 | 744.53 | 744.23 | 744.23 | 743.54 | 743.54 | 743.16 | 666.75 | 666.75 | 314.90 |
| Reserves | 20,021.21 | 19,225.25 | 19,225.25 | 18,231.14 | 18,231.14 | 17,563.48 | 17,563.48 | 17,002.61 | 16,421.75 | 16,421.75 | 15,872.50 | 15,872.50 | 15,344.05 | 15,344.05 | 14,772.84 | 11,890.37 | 10,310.60 | 7,199.11 |
| Gross Advances | 140,460.57 | 136,041.37 | 136,041.37 | 125,209.08 | 125,209.08 | 117,524.66 | 117,524.66 | 111,613.97 | 108,778.17 | 108,778.17 | 100,988.92 | 100,988.92 | 96,033.17 | 96,033.17 | 90,702.62 | 73,999.07 | 59,157.70 | 46,788.79 |
| ↳ Gross Advances YoY % | 25.84% | 25.06% | 25.06% | 23.98% | 23.98% | 22.38% | 22.38% | 23.05% | 47.00% | 47.00% | 49.34% | 49.34% | 47.68% | 47.68% | 42.54% | 25.09% | 26.44% | 32.34% |
| Net Advances | 138,572.00 | 134,275.63 | 134,275.63 | 123,420.00 | 123,420.00 | 115,704.98 | 115,704.98 | 109,834.00 | 107,092.48 | 107,092.48 | 99,559.00 | 99,559.00 | 94,838.18 | 94,838.18 | 89,652.00 | 73,162.65 | 58,421.54 | 46,095.26 |
| ↳ Net Advances YoY % | 26.16% | 25.38% | 25.38% | 23.97% | 23.97% | 22.00% | 22.00% | 22.51% | 46.38% | 46.38% | 49.17% | 49.17% | 47.80% | 47.80% | 42.62% | 25.23% | 26.74% | 33.19% |
| Total Deposits | 157,727.00 | 152,661.16 | 152,661.16 | 138,415.00 | 138,415.00 | 132,509.23 | 132,509.23 | 127,696.00 | 124,268.54 | 124,268.54 | 112,260.00 | 112,260.00 | 109,693.15 | 109,693.15 | 97,290.00 | 87,182.12 | 69,364.99 | 52,584.62 |
| ↳ Deposit YoY % | 23.52% | 22.85% | 22.85% | 23.30% | 23.30% | 20.80% | 20.80% | 31.25% | 42.54% | 42.54% | 40.11% | 40.11% | 44.82% | 44.82% | 40.36% | 25.69% | 31.91% | 46.15% |
| Savings Deposits | 36,900.00 | 33,998.00 | 33,998.00 | 32,543.00 | 32,543.00 | 31,401.00 | 31,401.00 | 30,983.00 | 29,256.00 | 29,256.00 | 28,758.00 | 28,758.00 | 29,540.00 | 29,540.00 | 27,299.00 | 23,788.00 | 22,980.28 | 17,039.00 |
| ↳ Savings YoY % | 19.10% | 16.21% | 16.21% | 13.16% | 13.16% | 6.30% | 6.30% | 13.49% | 22.99% | 22.99% | 27.16% | 27.16% | 40.47% | 40.47% | 29.71% | 3.51% | 34.87% | 156.50% |
| Current Deposits | 8,500.00 | 9,359.00 | 9,359.00 | 7,404.00 | 7,404.00 | 7,562.00 | 7,562.00 | 6,348.00 | 6,997.00 | 6,997.00 | 5,644.00 | 5,644.00 | 5,981.00 | 5,981.00 | 4,736.00 | 5,338.00 | 3,679.75 | 2,569.00 |
| ↳ Current YoY % | 33.90% | 33.76% | 33.76% | 31.18% | 31.18% | 26.43% | 26.43% | 34.04% | 31.08% | 31.08% | 47.32% | 47.32% | 29.01% | 29.01% | 46.17% | 45.06% | 43.24% | 57.41% |
| CASA Deposits | 45,400.00 | 43,357.00 | 43,357.00 | 39,947.00 | 39,947.00 | 38,963.00 | 38,963.00 | 37,331.00 | 36,253.00 | 36,253.00 | 34,402.00 | 34,402.00 | 35,521.00 | 35,521.00 | 32,035.00 | 29,126.00 | 26,660.03 | 19,608.00 |
| ↳ CASA YoY % | 21.61% | 19.60% | 19.60% | 16.12% | 16.12% | 9.69% | 9.69% | 16.53% | 24.47% | 24.47% | 30.08% | 30.08% | 38.40% | 38.40% | 31.91% | 9.25% | 35.97% | 136.95% |
| EPS (₹) | 10.63 | 35.30 | 11.12 | 24.22 | 8.94 | 15.30 | 7.52 | 7.79 | 28.29 | 6.77 | 21.53 | 7.10 | 14.44 | 7.68 | 6.76 | 23.02 | 21.42 | 35.88 |
| KEY RATIOS | ||||||||||||||||||
| NIM % | 5.90% | 5.65% | 5.96% | 5.50% | 5.70% | 5.45% | 5.50% | 5.40% | 5.94% | 5.80% | 6.00% | 5.90% | 6.05% | 6.10% | 6.00% | 5.45% | 6.10% | 5.70% |
| Cost to Income % | 57.59% | 57.91% | 59.21% | 57.42% | 60.35% | 55.85% | 57.66% | 54.04% | 56.34% | 54.73% | 56.93% | 54.38% | 58.26% | 56.68% | 59.93% | 63.57% | 63.01% | 57.07% |
| GNPA % | 2.10% | 0.74% | 0.74% | 2.30% | 2.30% | 2.41% | 2.41% | 2.47% | 2.28% | 2.28% | 2.31% | 2.31% | 1.98% | 1.98% | 1.78% | 1.67% | 1.66% | 1.98% |
| NNPA % | 0.76% | 0.45% | 0.45% | 0.88% | 0.88% | 0.88% | 0.88% | 0.88% | 0.74% | 0.74% | 0.91% | 0.91% | 0.75% | 0.75% | 0.63% | 0.55% | 0.42% | 0.50% |
| PCR % | 64.06% | 64.08% | 64.08% | 62.11% | 62.11% | 64.18% | 64.18% | 64.70% | 68.05% | 68.05% | 61.22% | 61.22% | 62.84% | 62.84% | 65.13% | 67.59% | 75.02% | 75.03% |
| ROA % | 1.68% | 1.57% | 1.80% | 1.48% | 1.56% | 1.44% | 1.40% | 1.48% | 1.53% | 1.36% | 1.63% | 1.48% | 1.64% | 1.72% | 1.56% | 1.54% | 1.79% | 1.87% |
| ROE % | 15.60% | 14.22% | — | — | — | — | — | — | 14.17% | — | — | — | — | — | — | 13.04% | 15.44% | 16.39% |
| CASA Ratio % | 28.78% | 28.40% | 28.40% | 28.86% | 28.86% | 29.40% | 29.40% | 29.23% | 29.17% | 29.17% | 30.64% | 30.64% | 32.38% | 32.38% | 32.93% | 33.41% | 38.43% | 37.29% |
| CAR % | 18.93% | 18.68% | 18.68% | 19.01% | 19.01% | 18.78% | 18.78% | 19.42% | 20.06% | 20.06% | 18.01% | 18.01% | 18.51% | 18.51% | 20.11% | 20.06% | 23.59% | 20.99% |
| COST RATIOS AS % TO TOTAL INCOME | ||||||||||||||||||
| Interest / Disc. on Advances | 75.28% | 84.30% | 84.55% | 84.21% | 84.96% | 83.82% | 83.93% | 83.70% | 83.22% | 83.26% | 83.21% | 83.66% | 82.97% | 83.86% | 82.04% | 79.98% | 82.93% | 83.55% |
| Income on Investments | 12.53% | 14.20% | 14.10% | 14.24% | 13.75% | 14.50% | 14.28% | 14.73% | 13.93% | 14.48% | 13.74% | 13.82% | 13.69% | 13.00% | 14.41% | 15.47% | 14.50% | 13.18% |
| Interest on Bal with RBI | 0.39% | 0.50% | 0.45% | 0.51% | 0.50% | 0.52% | 0.65% | 0.39% | 0.43% | 0.51% | 0.40% | 0.45% | 0.37% | 0.38% | 0.37% | 0.63% | 0.71% | 1.47% |
| Others (Fund Income) | 0.30% | 1.00% | 0.90% | 1.03% | 0.80% | 1.15% | 1.13% | 1.18% | 2.42% | 1.75% | 2.66% | 2.07% | 2.97% | 2.76% | 3.19% | 3.92% | 1.86% | 1.80% |
| Other Income | 11.50% | 15.98% | 14.56% | 16.50% | 15.31% | 17.13% | 15.80% | 18.51% | 15.95% | 17.81% | 15.28% | 15.03% | 15.41% | 16.31% | 14.48% | 16.54% | 12.61% | 16.78% |
| Total Interest Expense | 43.51% | 51.10% | 48.55% | 52.04% | 50.48% | 52.88% | 52.47% | 53.30% | 50.13% | 50.97% | 49.82% | 50.83% | 49.28% | 49.51% | 49.04% | 51.14% | 46.07% | 45.39% |
| Net Interest Income | 44.99% | 48.90% | 51.45% | 47.96% | 49.52% | 47.12% | 47.53% | 46.70% | 49.87% | 49.03% | 50.18% | 49.17% | 50.72% | 50.49% | 50.96% | 48.86% | 53.93% | 54.61% |
| Employee Cost | 17.76% | 20.65% | 20.82% | 20.59% | 21.56% | 20.07% | 20.36% | 19.77% | 19.60% | 19.14% | 19.76% | 18.35% | 20.52% | 20.09% | 20.96% | 19.93% | 21.85% | 23.29% |
| Admin Expenses | 14.78% | 16.92% | 18.27% | 16.43% | 17.57% | 15.82% | 16.15% | 15.47% | 17.49% | 17.44% | 17.51% | 16.57% | 18.01% | 17.77% | 18.25% | 21.64% | 20.08% | 17.46% |
| Total Operating Expenses | 32.53% | 37.57% | 39.09% | 37.01% | 39.13% | 35.89% | 36.51% | 35.24% | 37.08% | 36.58% | 37.27% | 34.91% | 38.53% | 37.86% | 39.22% | 41.57% | 41.93% | 40.74% |
| PPOP | 23.96% | 27.31% | 26.93% | 27.45% | 25.71% | 28.37% | 26.82% | 29.97% | 28.74% | 30.26% | 28.19% | 29.29% | 27.60% | 28.94% | 26.22% | 23.83% | 24.61% | 30.65% |
| Provisions | 6.20% | 8.66% | 5.37% | 9.88% | 7.00% | 11.41% | 10.66% | 12.18% | 11.39% | 14.87% | 10.12% | 12.20% | 9.01% | 9.54% | 8.47% | 4.16% | 1.89% | 6.10% |
| PBT | 17.76% | 18.64% | 21.56% | 17.57% | 18.70% | 16.96% | 16.16% | 17.79% | 17.36% | 15.39% | 18.07% | 17.10% | 18.59% | 19.40% | 17.75% | 18.94% | 22.72% | 24.55% |
| Income Tax | 4.47% | 4.47% | 4.99% | 4.28% | 4.58% | 4.12% | 3.72% | 4.52% | 4.25% | 3.59% | 4.48% | 4.25% | 4.61% | 4.80% | 4.41% | 4.40% | 5.32% | 5.48% |
| PAT | 13.28% | 14.17% | 16.57% | 13.29% | 14.12% | 12.84% | 12.43% | 13.27% | 13.11% | 11.79% | 13.59% | 12.85% | 13.98% | 14.61% | 13.33% | 14.54% | 17.40% | 19.08% |
Net Profit (₹ Cr)
₹141
FY26
NIM %
4.04%
FY26
GNPA %
2.54%
FY26
NNPA %
1.24%
FY26
ROE %
10.10%
FY26
ROA %
1.23%
FY26
| Particulars | Q1FY27 | FY26 | FY25 | FY24 | FY23 | FY22 | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Q1FY27 | FY26 | Q4FY26 | 9MFY26 | Q3FY26 | H1FY26 | Q2FY26 | Q1FY26 | FY25 | Q4FY25 | 9MFY25 | Q3FY25 | H1FY25 | Q2FY25 | Q1FY25 | FY24 | FY23 | FY22 | |
| INCOME STATEMENT (₹ Crores) | ||||||||||||||||||
| Interest / Disc. on Advances | 228.60 | 826.15 | 215.79 | 610.36 | 212.55 | 397.81 | 202.90 | 194.91 | 718.70 | 185.52 | 533.18 | 186.24 | 346.94 | 178.48 | 168.46 | 624.35 | 532.86 | 437.31 |
| Income on Investments | 34.59 | 130.95 | 33.35 | 97.60 | 33.35 | 64.25 | 32.59 | 31.66 | 122.82 | 31.29 | 91.53 | 31.34 | 60.19 | 30.17 | 30.02 | 112.16 | 97.63 | 86.02 |
| Interest on Bal with RBI & Others | 24.11 | 89.14 | 23.25 | 65.89 | 25.36 | 40.53 | 20.49 | 20.04 | 65.04 | 14.21 | 50.83 | 16.72 | 34.11 | 14.52 | 19.59 | 55.64 | 44.85 | 54.90 |
| Others | 0.79 | 2.36 | 0.75 | 1.61 | 0.66 | 0.95 | 0.48 | 0.47 | 1.94 | 0.44 | 1.50 | 0.67 | 0.83 | 0.42 | 0.41 | 2.18 | 0.68 | 0.00 |
| Total Fund Based Income | 288.09 | 1,048.60 | 273.14 | 775.46 | 271.92 | 503.54 | 256.46 | 247.08 | 908.50 | 231.46 | 677.04 | 234.97 | 442.07 | 223.59 | 218.48 | 794.33 | 676.02 | 578.23 |
| ↳ YoY Growth % | 16.60% | 15.42% | 18.01% | 14.54% | 15.73% | 13.91% | 14.70% | 13.09% | 14.37% | 13.35% | 14.73% | 15.10% | 14.53% | 13.46% | 15.65% | 17.50% | 16.91% | 13.06% |
| ↳ QoQ Growth % | 5.47% | — | 0.45% | — | 6.03% | — | 3.80% | 6.75% | — | -1.49% | — | 5.09% | — | 2.34% | 6.99% | — | — | — |
| Other Income | 26.12 | 98.27 | 25.78 | 72.49 | 26.47 | 46.02 | 23.14 | 22.88 | 86.02 | 25.57 | 60.45 | 18.16 | 42.29 | 25.70 | 16.59 | 68.08 | 49.47 | 54.18 |
| Total Income | 314.21 | 1,146.87 | 298.92 | 847.95 | 298.39 | 549.56 | 279.60 | 269.96 | 994.52 | 257.03 | 737.49 | 253.13 | 484.36 | 249.29 | 235.07 | 862.41 | 725.49 | 632.41 |
| ↳ YoY Growth % | 16.39% | 15.32% | 16.30% | 14.98% | 17.88% | 13.46% | 12.16% | 14.84% | 15.32% | 14.37% | 15.65% | 13.79% | 16.65% | 17.08% | 16.20% | 18.87% | 14.72% | 13.49% |
| ↳ QoQ Growth % | 5.12% | — | 0.18% | — | 6.72% | — | 3.57% | 5.03% | — | 1.54% | — | 1.54% | — | 6.05% | 4.60% | — | — | — |
| Total Interest Expense | 154.67 | 587.18 | 152.46 | 434.72 | 152.61 | 282.11 | 144.82 | 137.29 | 498.30 | 128.40 | 369.90 | 127.85 | 242.05 | 122.67 | 119.38 | 449.18 | 354.02 | 322.94 |
| ↳ YoY Growth % | 12.66% | 17.84% | 18.74% | 17.52% | 19.37% | 16.55% | 18.06% | 15.00% | 10.94% | 9.31% | 11.51% | 9.55% | 12.58% | 8.91% | 16.60% | 26.88% | 9.62% | 3.23% |
| ↳ QoQ Growth % | 1.45% | — | -0.10% | — | 5.38% | — | 5.48% | 6.92% | — | 0.43% | — | 4.22% | — | 2.76% | 1.63% | — | — | — |
| Net Interest Income (NII) | 133.42 | 461.42 | 120.68 | 340.74 | 119.31 | 221.43 | 111.64 | 109.79 | 410.20 | 103.06 | 307.14 | 107.12 | 200.02 | 100.92 | 99.10 | 345.15 | 322.00 | 255.29 |
| ↳ NII YoY Growth % | 21.52% | 12.49% | 17.10% | 10.94% | 11.38% | 10.70% | 10.62% | 10.79% | 18.85% | 18.81% | 18.86% | 22.51% | 16.99% | 19.52% | 14.53% | 7.19% | 26.13% | 28.54% |
| ↳ NII QoQ Growth % | 10.56% | — | 1.15% | — | 6.87% | — | 1.69% | 6.53% | — | -3.79% | — | 6.14% | — | 1.84% | 14.25% | — | — | — |
| Employee Cost | 50.94 | 182.29 | 46.42 | 135.87 | 50.07 | 85.80 | 42.86 | 42.94 | 148.57 | 38.36 | 110.21 | 37.12 | 73.09 | 37.39 | 35.70 | 124.58 | 117.99 | 54.32 |
| Other Admin Expenses | 44.34 | 163.89 | 40.22 | 123.67 | 44.04 | 79.63 | 41.25 | 38.38 | 162.22 | 43.43 | 118.79 | 40.36 | 78.43 | 40.99 | 37.44 | 133.75 | 104.77 | 141.94 |
| Total Operating Expenses | 95.28 | 346.18 | 86.64 | 259.54 | 94.11 | 165.43 | 84.11 | 81.32 | 310.79 | 81.79 | 229.00 | 77.48 | 151.52 | 78.38 | 73.14 | 258.33 | 222.76 | 196.26 |
| ↳ YoY Growth % | 17.17% | 11.39% | 5.93% | 13.34% | 21.46% | 9.18% | 7.31% | 11.18% | 20.31% | 20.58% | 20.21% | 17.98% | 21.38% | 18.20% | 24.98% | 15.97% | 13.50% | 13.47% |
| ↳ QoQ Growth % | 9.97% | — | -7.94% | — | 11.89% | — | 3.43% | -0.57% | — | 5.56% | — | -1.15% | — | 7.16% | 7.83% | — | — | — |
| Pre-Provision Operating Profit | 64.26 | 213.51 | 59.82 | 153.69 | 51.67 | 102.02 | 50.67 | 51.35 | 185.43 | 46.84 | 138.59 | 47.80 | 90.79 | 48.24 | 42.55 | 154.90 | 148.71 | 113.21 |
| ↳ PPOP YoY Growth % | 25.14% | 15.14% | 27.71% | 10.90% | 8.10% | 12.37% | 5.04% | 20.68% | 19.71% | 18.73% | 20.04% | 19.29% | 20.44% | 41.92% | 2.80% | 4.16% | 31.36% | 58.40% |
| ↳ PPOP QoQ Growth % | 7.42% | — | 15.77% | — | 1.97% | — | -1.32% | 9.63% | — | -2.01% | — | -0.91% | — | 13.37% | 7.86% | — | — | — |
| Total Provisions | 9.35 | 24.71 | 5.79 | 18.92 | 5.78 | 13.14 | 4.30 | 8.84 | 10.30 | 1.85 | 8.45 | 2.16 | 6.29 | 3.91 | 2.38 | 6.69 | 24.54 | 28.73 |
| Exceptional Items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit Before Tax (PBT) | 54.91 | 188.80 | 54.03 | 134.77 | 45.89 | 88.88 | 46.37 | 42.51 | 175.13 | 44.99 | 130.14 | 45.64 | 84.50 | 44.33 | 40.17 | 148.21 | 124.17 | 84.48 |
| Income Tax | 13.70 | 47.41 | 13.95 | 33.46 | 11.48 | 21.98 | 11.48 | 10.50 | 43.48 | 10.75 | 32.73 | 11.59 | 21.14 | 10.99 | 10.15 | 36.68 | 30.56 | 21.91 |
| Net Profit / PAT | 41.21 | 141.39 | 40.08 | 101.31 | 34.41 | 66.90 | 34.89 | 32.01 | 131.65 | 34.24 | 97.41 | 34.05 | 63.36 | 33.34 | 30.02 | 111.53 | 93.61 | 62.57 |
| ↳ PAT YoY Growth % | 28.74% | 7.40% | 17.06% | 4.00% | 1.06% | 5.59% | 4.65% | 6.63% | 18.04% | 21.38% | 16.91% | 17.70% | 16.49% | 37.26% | -0.27% | 19.14% | 49.61% | 53.47% |
| ↳ PAT QoQ Growth % | 2.82% | — | 16.48% | — | -1.38% | — | 9.00% | -6.51% | — | 0.56% | — | 2.13% | — | 11.06% | 6.42% | — | — | — |
| BALANCE SHEET & BUSINESS (₹ Crores) | ||||||||||||||||||
| Total Assets | 12,948.97 | 12,143.94 | 12,143.94 | 12,091.49 | 12,091.49 | 11,434.26 | 11,434.26 | 11,113.36 | 10,107.51 | 10,107.51 | 10,184.49 | 10,184.49 | 9,560.86 | 9,560.86 | 9,611.63 | 9,295.28 | 7,990.77 | 7,153.92 |
| Networth | 1,480.41 | 1,449.38 | 1,449.38 | 1,420.58 | 1,420.58 | 1,385.51 | 1,385.51 | 1,373.06 | 1,334.47 | 1,334.47 | 1,294.71 | 1,294.71 | 1,258.99 | 1,258.99 | 1,231.07 | 1,197.42 | 610.61 | 515.78 |
| Equity Share Capital | 45.47 | 45.42 | 45.42 | 45.42 | 45.42 | 45.29 | 45.29 | 45.25 | 45.25 | 45.25 | 45.25 | 45.25 | 45.07 | 45.07 | 45.04 | 45.04 | 34.25 | 34.04 |
| Reserves | 1,456.82 | 1,415.61 | 1,415.61 | 1,396.20 | 1,396.20 | 1,361.79 | 1,361.79 | 1,326.90 | 1,294.89 | 1,294.89 | 1,249.79 | 1,249.79 | 1,215.74 | 1,215.74 | 1,182.40 | 1,152.38 | 576.36 | 481.74 |
| Gross Advances | 9,074.00 | 8,687.00 | 8,687.00 | 8,164.00 | 8,164.00 | 7,907.00 | 7,907.00 | 7,437.00 | 7,184.00 | 7,184.00 | 6,816.00 | 6,816.00 | 6,718.00 | 6,718.00 | 6,391.00 | 6,160.00 | 5,507.00 | 4,689.00 |
| ↳ Gross Advances YoY % | 22.01% | 20.92% | 20.92% | 19.78% | 19.78% | 17.70% | 17.70% | 16.37% | 16.62% | 16.62% | 19.20% | 19.20% | 14.53% | 14.53% | 15.79% | 11.86% | 17.45% | 24.61% |
| Net Advances | 8,951.68 | 8,572.41 | 8,572.41 | 8,054.04 | 8,054.04 | 7,801.21 | 7,801.21 | 7,334.54 | 7,090.39 | 7,090.39 | 6,724.08 | 6,724.08 | 6,628.12 | 6,628.12 | 6,304.09 | 6,074.90 | 5,428.43 | 4,635.10 |
| ↳ Net Advances YoY % | 22.05% | 20.90% | 20.90% | 19.78% | 19.78% | 17.70% | 17.70% | 16.35% | 16.72% | 16.72% | 19.34% | 19.34% | 14.59% | 14.59% | 15.91% | 11.91% | 17.12% | 24.78% |
| Total Deposits | 10,596.00 | 10,017.65 | 10,017.65 | 9,930.85 | 9,930.85 | 9,317.00 | 9,317.00 | 9,110.00 | 8,322.60 | 8,322.60 | 8,383.91 | 8,383.91 | 7,779.65 | 7,779.65 | 7,778.00 | 7,477.74 | 6,561.00 | 6,046.00 |
| ↳ Deposit YoY % | 16.31% | 20.37% | 20.37% | 18.45% | 18.45% | 19.76% | 19.76% | 17.10% | 11.30% | 11.30% | 12.12% | 12.12% | 11.13% | 11.13% | 10.10% | 13.97% | 8.52% | 15.80% |
| Savings Deposits | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| ↳ Savings YoY % | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Current Deposits | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| ↳ Current YoY % | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| CASA Deposits | 3,886.00 | 3,480.00 | 3,480.00 | 3,565.18 | 3,569.00 | 3,161.00 | 3,161.00 | 3,270.49 | 3,074.00 | 3,074.00 | 3,278.11 | 3,278.11 | 2,886.25 | 2,886.25 | 3,072.31 | 2,863.97 | 2,747.75 | 2,533.27 |
| ↳ CASA YoY % | 18.82% | 13.21% | 13.21% | 8.76% | 8.87% | 9.52% | 9.52% | 6.39% | 7.33% | 7.33% | 10.94% | 10.94% | 9.19% | 9.19% | 8.73% | 4.23% | 8.47% | 21.09% |
| EPS (₹) | 9.06 | 31.13 | 8.82 | 22.35 | 7.58 | 14.78 | 7.70 | 7.07 | 29.09 | 7.57 | 21.59 | 7.52 | 14.06 | 7.40 | 6.67 | 24.76 | 27.33 | 18.39 |
| KEY RATIOS | ||||||||||||||||||
| NIM % | 4.20% | 4.04% | 4.06% | 4.04% | 4.01% | 4.05% | 4.00% | 4.10% | 4.20% | 4.09% | 4.23% | 4.30% | 4.20% | 4.20% | 4.20% | 3.90% | 4.20% | 3.80% |
| Cost to Income % | 59.72% | 61.85% | 59.16% | 62.81% | 64.56% | 61.85% | 62.41% | 61.29% | 62.63% | 63.59% | 62.30% | 61.85% | 62.53% | 61.90% | 63.22% | 62.51% | 59.97% | 63.42% |
| GNPA % | 2.47% | 2.54% | 2.54% | 2.68% | 2.68% | 2.70% | 2.70% | 2.74% | 2.58% | 2.58% | 2.67% | 2.67% | 2.61% | 2.61% | 2.69% | 2.76% | 2.77% | 2.50% |
| NNPA % | 1.14% | 1.24% | 1.24% | 1.35% | 1.35% | 1.38% | 1.38% | 1.39% | 1.30% | 1.30% | 1.35% | 1.35% | 1.29% | 1.29% | 1.35% | 1.40% | 1.36% | 1.40% |
| PCR % | 54.51% | 51.89% | 51.89% | 50.45% | 50.45% | 49.60% | 49.60% | 50.17% | 50.45% | 50.45% | 50.30% | 50.30% | 51.27% | 51.27% | 50.57% | 50.01% | 51.48% | 46.02% |
| ROA % | 1.30% | 1.23% | 1.33% | 1.20% | 1.16% | 1.22% | 1.26% | 1.18% | 1.35% | 1.36% | 1.36% | 1.37% | 1.35% | 1.40% | 1.30% | 1.27% | 1.20% | 0.90% |
| ROE % | 11.20% | 10.10% | 11.40% | 9.83% | 9.90% | 9.80% | 10.20% | 9.40% | 10.40% | 10.80% | 10.53% | 10.90% | 10.35% | 10.80% | 9.90% | 14.60% | 16.60% | 12.90% |
| CASA Ratio % | 36.67% | 34.74% | 34.74% | 35.90% | 35.94% | 33.93% | 33.93% | 35.90% | 36.94% | 36.94% | 39.10% | 39.10% | 37.10% | 37.10% | 39.50% | 38.30% | 41.88% | 41.90% |
| CAR % | 19.17% | 22.31% | 22.31% | 21.60% | 21.60% | 24.23% | 24.23% | 24.50% | 25.39% | 25.39% | 25.80% | 25.80% | 26.34% | 26.34% | 26.30% | 27.39% | 18.87% | 18.60% |
| COST RATIOS AS % TO TOTAL INCOME | ||||||||||||||||||
| Interest / Disc. on Advances | 72.75% | 72.04% | 72.19% | 71.98% | 71.23% | 72.39% | 72.57% | 72.20% | 72.27% | 72.18% | 72.30% | 73.57% | 71.63% | 71.60% | 71.66% | 72.40% | 73.45% | 69.15% |
| Income on Investments | 11.01% | 11.42% | 11.16% | 11.51% | 11.18% | 11.69% | 11.66% | 11.73% | 12.35% | 12.17% | 12.41% | 12.38% | 12.43% | 12.10% | 12.77% | 13.01% | 13.46% | 13.60% |
| Interest on Bal with RBI | 7.67% | 7.77% | 7.78% | 7.77% | 8.50% | 7.37% | 7.33% | 7.42% | 6.54% | 5.53% | 6.89% | 6.61% | 7.04% | 5.82% | 8.33% | 6.45% | 6.18% | 8.68% |
| Others (Fund Income) | 0.25% | 0.21% | 0.25% | 0.19% | 0.22% | 0.17% | 0.17% | 0.17% | 0.20% | 0.17% | 0.20% | 0.26% | 0.17% | 0.17% | 0.17% | 0.25% | 0.09% | 0.00% |
| Other Income | 8.31% | 8.57% | 8.62% | 8.55% | 8.87% | 8.37% | 8.28% | 8.48% | 8.65% | 9.95% | 8.20% | 7.17% | 8.73% | 10.31% | 7.06% | 7.89% | 6.82% | 8.57% |
| Total Interest Expense | 49.23% | 51.20% | 51.00% | 51.27% | 51.14% | 51.33% | 51.80% | 50.86% | 50.10% | 49.96% | 50.16% | 50.51% | 49.97% | 49.21% | 50.78% | 52.08% | 48.80% | 51.06% |
| Net Interest Income | 42.46% | 40.23% | 40.37% | 40.18% | 39.98% | 40.29% | 39.93% | 40.67% | 41.25% | 40.10% | 41.65% | 42.32% | 41.30% | 40.48% | 42.16% | 40.02% | 44.38% | 40.37% |
| Employee Cost | 16.21% | 15.89% | 15.53% | 16.02% | 16.78% | 15.61% | 15.33% | 15.91% | 14.94% | 14.92% | 14.94% | 14.66% | 15.09% | 15.00% | 15.19% | 14.45% | 16.26% | 8.59% |
| Admin Expenses | 14.11% | 14.29% | 13.46% | 14.58% | 14.76% | 14.49% | 14.75% | 14.22% | 16.31% | 16.90% | 16.11% | 15.94% | 16.19% | 16.44% | 15.93% | 15.51% | 14.44% | 22.44% |
| Total Operating Expenses | 30.32% | 30.18% | 28.98% | 30.61% | 31.54% | 30.10% | 30.08% | 30.12% | 31.25% | 31.82% | 31.05% | 30.61% | 31.28% | 31.44% | 31.11% | 29.95% | 30.70% | 31.03% |
| PPOP | 20.45% | 18.62% | 20.01% | 18.12% | 17.32% | 18.56% | 18.12% | 19.02% | 18.65% | 18.22% | 18.79% | 18.88% | 18.74% | 19.35% | 18.10% | 17.96% | 20.50% | 17.90% |
| Provisions | 2.98% | 2.15% | 1.94% | 2.23% | 1.94% | 2.39% | 1.54% | 3.27% | 1.04% | 0.72% | 1.15% | 0.85% | 1.30% | 1.57% | 1.01% | 0.78% | 3.38% | 4.54% |
| PBT | 17.48% | 16.46% | 18.08% | 15.89% | 15.38% | 16.17% | 16.58% | 15.75% | 17.61% | 17.50% | 17.65% | 18.03% | 17.45% | 17.78% | 17.09% | 17.19% | 17.12% | 13.36% |
| Income Tax | 4.36% | 4.13% | 4.67% | 3.95% | 3.85% | 4.00% | 4.11% | 3.89% | 4.37% | 4.18% | 4.44% | 4.58% | 4.36% | 4.41% | 4.32% | 4.25% | 4.21% | 3.46% |
| PAT | 13.12% | 12.33% | 13.41% | 11.95% | 11.53% | 12.17% | 12.48% | 11.86% | 13.24% | 13.32% | 13.21% | 13.45% | 13.08% | 13.37% | 12.77% | 12.93% | 12.90% | 9.89% |
Net Profit (₹ Cr)
−₹166
FY26
NIM %
6.40%
FY26
GNPA %
5.41%
FY26
NNPA %
1.77%
FY26
ROE %
-9.10%
FY26
ROA %
-0.60%
FY26
| Particulars | Q1FY27 | FY26 | FY25 | FY24 | FY23 | FY22 | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Q1FY27 | FY26 | Q4FY26 | 9MFY26 | Q3FY26 | H1FY26 | Q2FY26 | Q1FY26 | FY25 | Q4FY25 | 9MFY25 | Q3FY25 | H1FY25 | Q2FY25 | Q1FY25 | FY24 | FY23 | FY22 | |
| INCOME STATEMENT (₹ Crores) | ||||||||||||||||||
| Interest / Disc. on Advances | 992.39 | 3,117.04 | 891.87 | 2,225.17 | 789.61 | 1,435.56 | 714.95 | 720.61 | 3,409.15 | 779.48 | 2,629.67 | 833.59 | 1,796.08 | 878.35 | 917.73 | 3,461.32 | 2,531.99 | 1,726.71 |
| Income on Investments | 103.66 | 410.60 | 101.54 | 309.06 | 104.06 | 205.00 | 104.48 | 100.52 | 402.04 | 111.12 | 290.92 | 103.22 | 187.70 | 94.85 | 92.85 | 352.95 | 312.04 | 188.31 |
| Interest on Bal with RBI & Others | 1.72 | 9.54 | 1.67 | 7.87 | 0.38 | 7.49 | 0.39 | 7.10 | 49.68 | 1.46 | 48.22 | 13.08 | 35.14 | 23.23 | 11.91 | 4.16 | 9.57 | 24.91 |
| Others | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Fund Based Income | 1,097.77 | 3,537.18 | 995.08 | 2,542.10 | 894.05 | 1,648.05 | 819.82 | 828.23 | 3,860.87 | 892.06 | 2,968.81 | 949.89 | 2,018.92 | 996.43 | 1,022.49 | 3,818.43 | 2,853.60 | 1,939.93 |
| ↳ YoY Growth % | 32.54% | -8.38% | 11.55% | -14.37% | -5.88% | -18.37% | -17.72% | -19.00% | 1.11% | -10.97% | 5.41% | -2.51% | 9.60% | 5.63% | 13.77% | 33.81% | 47.10% | 18.20% |
| ↳ QoQ Growth % | — | — | 11.30% | — | 9.05% | — | -1.02% | — | — | -6.09% | — | -4.67% | — | -2.55% | — | — | — | — |
| Other Income | 248.24 | 811.06 | 201.37 | 609.69 | 269.39 | 340.30 | 145.16 | 195.14 | 468.44 | 144.72 | 323.72 | 111.89 | 211.83 | 96.58 | 115.25 | 441.82 | 287.97 | 207.58 |
| Total Income | 1,346.01 | 4,348.24 | 1,196.45 | 3,151.79 | 1,163.44 | 1,988.35 | 964.98 | 1,023.37 | 4,329.31 | 1,036.78 | 3,292.53 | 1,061.78 | 2,230.75 | 1,093.01 | 1,137.74 | 4,260.25 | 3,141.57 | 2,147.51 |
| ↳ YoY Growth % | 14.06% | 1.90% | 4.30% | 1.09% | -0.25% | 1.79% | -0.07% | 3.75% | 24.98% | 11.28% | 30.42% | 22.64% | 34.86% | 31.51% | 38.57% | 42.41% | 28.32% | 10.17% |
| ↳ QoQ Growth % | — | — | 3.38% | — | 1.31% | — | 1.20% | — | — | -1.13% | — | 1.49% | — | 5.06% | — | — | — | — |
| Total Interest Expense | 513.69 | 1,845.17 | 477.33 | 1,367.84 | 461.72 | 906.12 | 455.76 | 450.36 | 1,810.69 | 457.65 | 1,353.04 | 462.87 | 890.17 | 456.07 | 434.10 | 1,448.73 | 1,017.32 | 792.79 |
| ↳ YoY Growth % | 31.50% | 0.40% | 15.40% | -4.30% | 9.60% | -10.93% | -11.70% | -10.10% | 1.60% | -10.00% | 5.90% | -3.03% | 10.80% | 6.90% | 14.70% | 35.60% | 46.30% | 21.40% |
| ↳ QoQ Growth % | 12.50% | — | 2.80% | — | 20.60% | — | -5.70% | -1.25% | — | -2.40% | — | -2.90% | — | -3.90% | -1.20% | — | — | — |
| Net Interest Income (NII) | 584.08 | 1,692.01 | 517.75 | 1,174.26 | 432.33 | 741.93 | 364.06 | 377.87 | 2,050.18 | 434.41 | 1,615.77 | 487.02 | 1,128.75 | 540.36 | 588.39 | 2,369.70 | 1,836.28 | 1,147.14 |
| ↳ NII YoY Growth % | 54.57% | -17.47% | 19.18% | -27.33% | -11.23% | -34.27% | -32.63% | -35.78% | -13.48% | -26.46% | -9.17% | -18.42% | -4.50% | -9.42% | 0.50% | 29.05% | 60.07% | 24.47% |
| ↳ NII QoQ Growth % | — | — | 19.76% | — | 18.75% | — | -3.65% | — | — | -10.80% | — | -9.87% | — | -8.16% | — | — | — | — |
| Employee Cost | 179.79 | 692.80 | 173.46 | 519.34 | 170.51 | 348.83 | 158.40 | 190.43 | 660.08 | 184.87 | 475.21 | 178.67 | 296.54 | 193.06 | 103.48 | 362.97 | 278.00 | 232.14 |
| Other Admin Expenses | 303.55 | 1,098.29 | 304.37 | 793.92 | 278.69 | 515.23 | 257.57 | 257.66 | 1,243.43 | 303.60 | 939.83 | 292.86 | 646.97 | 300.85 | 346.12 | 1,285.86 | 952.54 | 630.73 |
| Total Operating Expenses | 483.34 | 1,791.09 | 477.83 | 1,313.26 | 449.20 | 864.06 | 415.97 | 448.09 | 1,903.51 | 488.47 | 1,415.04 | 471.53 | 943.51 | 493.91 | 449.60 | 1,648.83 | 1,230.54 | 862.87 |
| ↳ YoY Growth % | 7.87% | -5.91% | -2.18% | -7.19% | -4.74% | -8.42% | -15.78% | -0.25% | 15.45% | 7.10% | 18.60% | 9.80% | 23.50% | 28.00% | 19.00% | 33.99% | 42.61% | 36.60% |
| ↳ QoQ Growth % | 1.15% | — | 6.37% | — | 7.99% | — | -7.17% | -8.27% | — | 3.59% | — | -4.53% | — | 9.95% | -1.40% | — | — | — |
| Pre-Provision Operating Profit | 348.98 | 711.98 | 241.29 | 470.69 | 252.52 | 218.17 | 93.25 | 124.92 | 615.11 | 90.66 | 524.45 | 127.38 | 397.07 | 143.03 | 254.04 | 1,162.69 | 893.71 | 491.85 |
| ↳ PPOP YoY Growth % | 179.36% | 15.75% | 166.15% | -10.25% | 98.24% | -45.06% | -34.80% | -50.83% | -47.10% | -68.15% | -40.27% | -55.72% | -32.74% | -50.62% | -15.51% | 30.10% | 81.70% | 17.96% |
| ↳ PPOP QoQ Growth % | — | — | -4.45% | — | 170.80% | — | -25.35% | — | — | -28.83% | — | -10.94% | — | -43.70% | — | — | — | — |
| Total Provisions | 241.96 | 940.38 | 214.20 | 726.18 | 243.39 | 482.79 | 248.67 | 234.12 | 1,250.08 | 331.50 | 918.58 | 409.77 | 508.81 | 339.69 | 169.12 | 592.28 | 487.67 | 418.00 |
| Exceptional Items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 58.00 | 0.00 | 58.00 | 0.00 | 58.00 | 58.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit Before Tax (PBT) | 107.02 | -228.40 | 27.09 | -255.49 | 9.13 | -264.62 | -155.42 | -109.20 | -692.97 | -240.84 | -452.13 | -282.39 | -169.74 | -254.66 | 84.92 | 570.41 | 406.04 | 73.85 |
| Income Tax | 26.94 | -62.00 | 3.58 | -65.58 | 2.01 | -67.59 | -39.61 | -27.98 | -171.58 | -57.65 | -113.93 | -71.49 | -42.44 | -64.59 | 22.15 | 144.84 | 103.71 | 19.12 |
| Net Profit / PAT | 80.08 | -166.40 | 23.51 | -189.91 | 7.12 | -197.03 | -115.81 | -81.22 | -521.39 | -183.19 | -338.20 | -210.90 | -127.30 | -190.07 | 62.77 | 425.57 | 302.33 | 54.73 |
| ↳ PAT YoY Growth % | — | — | — | — | — | — | — | — | — | — | — | — | — | — | -51.70% | 40.76% | 452.40% | -48.07% |
| ↳ PAT QoQ Growth % | 240.62% | — | 230.20% | — | — | — | — | — | — | — | — | — | — | — | 44.80% | — | — | — |
| BALANCE SHEET & BUSINESS (₹ Crores) | ||||||||||||||||||
| Total Assets | 31,429.22 | 30,867.98 | 30,867.98 | 29,136.98 | 29,136.98 | 27,129.04 | 27,129.04 | 26,703.47 | 27,178.29 | 27,178.29 | 26,747.58 | 26,747.58 | 26,646.29 | 26,646.29 | 26,834.63 | 26,086.88 | 20,223.68 | 17,707.56 |
| Networth | 1,863.82 | 1,780.04 | 1,780.04 | 1,755.99 | 1,755.99 | 1,748.50 | 1,748.50 | 1,863.79 | 1,945.01 | 1,945.01 | 2,123.66 | 2,123.66 | 2,333.00 | 2,333.00 | 2,558.40 | 2,486.11 | 1,709.12 | 1,406.79 |
| Equity Share Capital | 515.95 | 515.66 | 515.66 | 515.57 | 515.57 | 515.51 | 515.51 | 515.43 | 515.43 | 515.43 | 515.08 | 515.08 | 514.87 | 514.87 | 514.78 | 514.78 | 449.47 | 449.47 |
| Reserves | 1,344.46 | 1,264.38 | 1,264.38 | 1,966.43 | 1,966.43 | 1,232.55 | 1,232.55 | 1,348.36 | 1,429.58 | 1,429.58 | 1,966.92 | 1,966.92 | 1,844.03 | 1,844.03 | 2,034.10 | 1,971.33 | 1,259.65 | 957.32 |
| Gross Advances | 23,216.00 | 22,426.00 | 22,426.00 | 20,679.00 | 20,679.00 | 19,137.00 | 19,137.00 | 18,224.00 | 18,779.00 | 18,779.00 | 18,291.00 | 18,291.00 | 18,340.00 | 18,340.00 | 18,783.00 | 18,772.00 | 14,118.00 | 12,131.00 |
| ↳ Gross Advances YoY % | 27.39% | 19.42% | 19.42% | 13.06% | 13.06% | 4.35% | 4.35% | -2.96% | 0.00% | 0.00% | 6.63% | 6.63% | 21.27% | 21.27% | 30.04% | 32.97% | 16.38% | 44.16% |
| Net Advances | 22,146.30 | 21,594.22 | 21,594.22 | 20,061.35 | 20,061.35 | 18,198.79 | 18,198.79 | 17,521.27 | 18,027.87 | 18,027.87 | 17,537.51 | 17,537.51 | 17,585.62 | 17,585.62 | 18,124.68 | 18,293.11 | 13,924.33 | 11,637.01 |
| ↳ Net Advances YoY % | 26.40% | 19.78% | 19.78% | 14.39% | 14.39% | 3.49% | 3.49% | -3.33% | -1.45% | -1.45% | 4.34% | 4.34% | 18.01% | 18.01% | 26.55% | 31.38% | 19.66% | 42.48% |
| Total Deposits | 26,924.47 | 25,850.16 | 25,850.16 | 24,006.00 | 24,006.00 | 22,894.07 | 22,894.07 | 22,698.00 | 23,276.44 | 23,276.44 | 22,415.00 | 22,415.00 | 21,613.50 | 21,613.50 | 20,887.00 | 19,867.80 | 14,665.63 | 12,815.00 |
| ↳ Deposit YoY % | 18.62% | 11.06% | 11.06% | 7.10% | 7.10% | 5.92% | 5.92% | 8.67% | 17.16% | 17.16% | 18.85% | 18.85% | 24.10% | 24.10% | 33.41% | 35.47% | 14.44% | 42.40% |
| Savings Deposits | 5,900.50 | 5,816.29 | 5,816.29 | 5,689.42 | 5,689.42 | 5,746.41 | 5,746.41 | 5,334.03 | 5,452.00 | 5,452.00 | 5,283.00 | 5,283.00 | 5,025.00 | 5,025.00 | 4,649.00 | 4,170.00 | 2,874.00 | 2,707.61 |
| ↳ Savings YoY % | 10.62% | 6.68% | 6.68% | 7.69% | 7.69% | 14.36% | 14.36% | 14.73% | 30.74% | 30.74% | 60.53% | 60.53% | 74.60% | 74.60% | 77.78% | 45.09% | 6.15% | 69.81% |
| Current Deposits | 396.50 | 364.71 | 364.71 | 336.08 | 336.08 | 297.62 | 297.62 | 295.07 | 331.00 | 331.00 | 309.00 | 309.00 | 294.00 | 294.00 | 278.00 | 332.00 | 264.00 | 219.79 |
| ↳ Current YoY % | 34.37% | 10.18% | 10.18% | 8.76% | 8.76% | 1.23% | 1.23% | 6.14% | -0.30% | -0.30% | 13.60% | 13.60% | 11.36% | 11.36% | 17.30% | 25.76% | 20.11% | 43.48% |
| CASA Deposits | 6,297.00 | 6,181.00 | 6,181.00 | 6,025.51 | 6,025.51 | 6,044.03 | 6,044.03 | 5,629.10 | 5,783.00 | 5,783.00 | 5,592.00 | 5,592.00 | 5,319.00 | 5,319.00 | 4,927.00 | 4,502.00 | 3,138.00 | 2,927.40 |
| ↳ CASA YoY % | 11.87% | 6.88% | 6.88% | 7.75% | 7.75% | 13.63% | 13.63% | 14.25% | 28.45% | 28.45% | 56.95% | 56.95% | 69.29% | 69.29% | 72.76% | 43.47% | 7.19% | 67.51% |
| EPS (₹) | 1.55 | -3.23 | 0.46 | -3.68 | 0.14 | -3.82 | -2.25 | -1.58 | -10.12 | -3.55 | -6.57 | -4.09 | -2.47 | -3.69 | 1.22 | 8.27 | 6.73 | 1.22 |
| KEY RATIOS | ||||||||||||||||||
| NIM % | 7.90% | 6.40% | 7.30% | 6.10% | 6.60% | 5.95% | 5.90% | 6.00% | 8.10% | 6.90% | 8.73% | 7.70% | 9.25% | 9.10% | 9.40% | 10.70% | 10.00% | 8.86% |
| Cost to Income % | 58.07% | 71.56% | 66.45% | 73.62% | 64.01% | 79.84% | 81.69% | 78.20% | 75.58% | 84.35% | 72.96% | 78.73% | 70.38% | 77.54% | 63.90% | 58.65% | 57.93% | 63.69% |
| GNPA % | 5.40% | 5.41% | 5.41% | 5.64% | 5.64% | 8.54% | 8.54% | 7.48% | 6.87% | 6.87% | 6.96% | 6.96% | 6.98% | 6.98% | 6.61% | 4.76% | 2.49% | 7.83% |
| NNPA % | 0.83% | 1.77% | 1.77% | 2.73% | 2.73% | 3.80% | 3.80% | 3.77% | 2.99% | 2.99% | 2.97% | 2.97% | 2.98% | 2.98% | 3.22% | 2.26% | 1.13% | 3.92% |
| PCR % | 85.31% | 68.49% | 68.49% | 52.99% | 52.99% | 57.40% | 57.40% | 51.53% | 58.19% | 58.19% | 59.15% | 59.15% | 58.97% | 58.97% | 53.00% | 53.67% | 55.11% | 51.98% |
| ROA % | 1.04% | -0.60% | -0.32% | -0.93% | 0.12% | -1.46% | -1.72% | -1.20% | -1.94% | -2.68% | -1.67% | -3.16% | -0.92% | -2.80% | 0.96% | 1.86% | 1.63% | 0.39% |
| ROE % | 17.50% | -9.10% | 5.20% | -13.80% | 1.60% | -19.20% | -21.30% | -17.10% | -22.80% | -36.00% | -19.00% | -36.40% | -10.30% | -30.50% | 9.90% | 20.30% | 19.40% | 4.14% |
| CASA Ratio % | 23.39% | 23.91% | 23.91% | 25.10% | 25.10% | 26.40% | 26.40% | 24.80% | 24.84% | 24.84% | 24.95% | 24.95% | 24.61% | 24.61% | 23.59% | 22.66% | 21.40% | 22.84% |
| CAR % | 23.86% | 22.22% | 22.22% | 22.68% | 22.68% | 22.43% | 22.43% | 22.74% | 21.84% | 21.84% | 22.70% | 22.70% | 23.16% | 23.16% | 23.46% | 23.27% | 19.83% | 18.60% |
| COST RATIOS AS % TO TOTAL INCOME | ||||||||||||||||||
| Interest / Disc. on Advances | 73.73% | 88.12% | 89.63% | 87.53% | 88.32% | 87.11% | 87.21% | 87.01% | 88.30% | 87.38% | 88.58% | 87.76% | 88.96% | 88.15% | 89.75% | 90.65% | 88.73% | 89.01% |
| Income on Investments | 7.70% | 11.61% | 10.20% | 12.16% | 11.64% | 12.44% | 12.74% | 12.14% | 10.41% | 12.46% | 9.80% | 10.87% | 9.30% | 9.52% | 9.08% | 9.24% | 10.93% | 9.71% |
| Interest on Bal with RBI | 0.13% | 0.27% | 0.17% | 0.31% | 0.04% | 0.45% | 0.05% | 0.86% | 1.29% | 0.16% | 1.62% | 1.38% | 1.74% | 2.33% | 1.16% | 0.11% | 0.34% | 1.28% |
| Others (Fund Income) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Other Income | 18.44% | 22.93% | 20.24% | 23.98% | 30.13% | 20.65% | 17.71% | 23.56% | 12.13% | 16.22% | 10.90% | 11.78% | 10.49% | 9.69% | 11.27% | 11.57% | 10.09% | 10.70% |
| Total Interest Expense | 38.16% | 52.17% | 47.97% | 53.81% | 51.64% | 54.98% | 55.59% | 54.38% | 46.90% | 51.30% | 45.58% | 48.73% | 44.09% | 45.77% | 42.46% | 37.94% | 35.65% | 40.87% |
| Net Interest Income | 43.39% | 47.83% | 52.03% | 46.19% | 48.36% | 45.02% | 44.41% | 45.62% | 53.10% | 48.70% | 54.42% | 51.27% | 55.91% | 54.23% | 57.54% | 62.06% | 64.35% | 59.13% |
| Employee Cost | 13.36% | 19.59% | 17.43% | 20.43% | 19.07% | 21.17% | 19.32% | 22.99% | 17.10% | 20.72% | 16.01% | 18.81% | 14.69% | 19.38% | 10.12% | 9.51% | 9.74% | 11.97% |
| Admin Expenses | 22.55% | 31.05% | 30.59% | 31.23% | 31.17% | 31.26% | 31.42% | 31.11% | 32.21% | 34.03% | 31.66% | 30.83% | 32.05% | 30.19% | 33.85% | 33.68% | 33.38% | 32.51% |
| Total Operating Expenses | 35.91% | 50.64% | 48.02% | 51.66% | 50.24% | 52.43% | 50.74% | 54.10% | 49.30% | 54.76% | 47.66% | 49.64% | 46.73% | 49.57% | 43.97% | 43.18% | 43.12% | 44.48% |
| PPOP | 25.93% | 20.13% | 24.25% | 18.52% | 28.24% | 13.24% | 11.37% | 15.08% | 15.93% | 10.16% | 17.67% | 13.41% | 19.67% | 14.35% | 24.85% | 30.45% | 31.32% | 25.35% |
| Provisions | 17.98% | 26.59% | 21.53% | 28.57% | 27.22% | 29.29% | 30.33% | 28.27% | 32.38% | 37.16% | 30.94% | 43.14% | 25.20% | 34.09% | 16.54% | 15.51% | 17.09% | 21.55% |
| PBT | 7.95% | -6.46% | 2.72% | -10.05% | 1.02% | -16.06% | -18.96% | -13.18% | -17.95% | -27.00% | -15.23% | -29.73% | -8.41% | -25.56% | 8.31% | 14.94% | 14.23% | 3.81% |
| Income Tax | 2.00% | -1.75% | 0.36% | -2.58% | 0.22% | -4.10% | -4.83% | -3.38% | -4.44% | -6.46% | -3.84% | -7.53% | -2.10% | -6.48% | 2.17% | 3.79% | 3.63% | 0.99% |
| PAT | 5.95% | -4.70% | 2.36% | -7.47% | 0.80% | -11.96% | -14.13% | -9.81% | -13.50% | -20.54% | -11.39% | -22.20% | -6.31% | -19.08% | 6.14% | 11.15% | 10.59% | 2.82% |
Net Profit (₹ Cr)
₹326
FY26
NIM %
6.70%
FY26
GNPA %
2.46%
FY26
NNPA %
1.26%
FY26
ROE %
7.60%
FY26
ROA %
0.79%
FY26
| Particulars | Q1FY27 | FY26 | FY25 | FY24 | FY23 | FY22 | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Q1FY27 | FY26 | Q4FY26 | 9MFY26 | Q3FY26 | H1FY26 | Q2FY26 | Q1FY26 | FY25 | Q4FY25 | 9MFY25 | Q3FY25 | H1FY25 | Q2FY25 | Q1FY25 | FY24 | FY23 | FY22 | |
| INCOME STATEMENT (₹ Crores) | ||||||||||||||||||
| Interest / Disc. on Advances | 1,379.00 | 4,826.00 | 1,308.00 | 3,518.00 | 1,222.00 | 2,296.00 | 1,175.00 | 1,121.00 | 4,230.00 | 1,074.00 | 3,179.00 | 1,073.00 | 2,106.00 | 1,062.00 | 1,044.00 | 3,616.00 | 2,722.00 | 2,412.00 |
| Income on Investments | 123.34 | 490.62 | 129.07 | 361.55 | 133.55 | 228.00 | 115.86 | 112.15 | 377.26 | 85.90 | 291.35 | 88.36 | 203.00 | 94.08 | 108.92 | 349.03 | 325.21 | 255.95 |
| Interest on Bal with RBI & Others | 11.43 | 45.81 | 7.03 | 38.78 | 7.33 | 31.45 | 13.83 | 17.62 | 62.55 | 22.47 | 40.08 | 15.90 | 24.18 | 10.00 | 14.18 | 47.94 | 28.16 | 58.51 |
| Others | 0.49 | 12.52 | 0.00 | 12.51 | 10.94 | 1.57 | 0.01 | 1.56 | 1.57 | 1.56 | 0.01 | 0.00 | 0.01 | 0.01 | 0.01 | 0.04 | 0.04 | 0.04 |
| Total Fund Based Income | 1,515.00 | 5,375.00 | 1,445.00 | 3,930.00 | 1,374.00 | 2,557.00 | 1,305.00 | 1,252.00 | 4,671.00 | 1,184.00 | 3,511.00 | 1,177.00 | 2,333.00 | 1,166.00 | 1,167.00 | 4,013.00 | 3,075.00 | 2,727.00 |
| ↳ YoY Growth % | 22.10% | 15.07% | 22.04% | 11.93% | 16.74% | 9.60% | 11.92% | 7.28% | 16.40% | 6.50% | 21.00% | 13.40% | 25.20% | 19.10% | 31.90% | 30.50% | 12.76% | 9.20% |
| ↳ QoQ Growth % | 4.84% | — | 5.17% | — | 5.29% | — | 4.23% | 5.74% | — | 0.50% | — | 0.94% | — | -0.09% | 5.00% | — | — | — |
| Other Income | 227.00 | 1,022.00 | 266.00 | 756.00 | 245.00 | 512.00 | 247.00 | 264.00 | 776.00 | 234.00 | 542.00 | 177.00 | 365.00 | 176.00 | 189.00 | 671.00 | 625.00 | 324.00 |
| Total Income | 1,741.00 | 6,397.00 | 1,710.00 | 4,687.00 | 1,618.00 | 3,068.00 | 1,552.00 | 1,516.00 | 5,447.00 | 1,418.00 | 4,052.00 | 1,355.00 | 2,698.00 | 1,342.00 | 1,356.00 | 4,684.00 | 3,700.00 | 3,050.00 |
| ↳ YoY Growth % | 15.60% | 17.00% | 20.59% | 15.40% | 19.41% | 13.40% | 15.65% | 11.10% | 16.29% | 9.80% | 19.40% | 15.10% | 21.80% | 17.40% | 26.40% | 26.59% | 21.31% | 11.60% |
| ↳ QoQ Growth % | 1.81% | — | 5.69% | — | 4.25% | — | 3.00% | 6.30% | — | 4.65% | — | 0.97% | — | -1.03% | 5.00% | — | — | — |
| Total Interest Expense | 732.06 | 2,759.74 | 709.01 | 2,050.73 | 709.36 | 1,341.38 | 686.31 | 655.06 | 2,316.66 | 602.38 | 1,714.28 | 584.83 | 1,129.45 | 572.14 | 557.31 | 1,885.90 | 1,414.99 | 1,336.75 |
| ↳ YoY Growth % | 11.75% | 19.13% | 17.70% | 19.63% | 21.29% | 18.76% | 19.95% | 17.54% | 22.84% | 15.83% | 25.51% | 19.47% | 28.89% | 26.23% | 31.74% | 33.28% | 5.85% | 8.28% |
| ↳ QoQ Growth % | 3.25% | — | -0.05% | — | 3.36% | — | 4.77% | 8.75% | — | 3.00% | — | 2.22% | — | 2.66% | 7.16% | — | — | — |
| Net Interest Income (NII) | 782.00 | 2,615.00 | 736.00 | 1,880.00 | 664.00 | 1,215.00 | 618.00 | 597.00 | 2,355.00 | 581.00 | 1,796.00 | 593.00 | 1,204.00 | 594.00 | 610.00 | 2,127.00 | 1,660.00 | 1,390.00 |
| ↳ NII YoY Growth % | 33.60% | 11.04% | 26.50% | 4.60% | 12.10% | 1.00% | 4.04% | -2.13% | 10.72% | -1.60% | 16.90% | 8.00% | 21.90% | 13.00% | 32.00% | 28.13% | 19.42% | 10.00% |
| ↳ NII QoQ Growth % | 6.40% | — | 10.84% | — | 7.44% | — | 3.60% | 2.75% | — | -1.90% | — | -0.17% | — | -2.62% | 3.20% | — | — | — |
| Employee Cost | 414.86 | 1,460.22 | 384.02 | 1,076.19 | 369.66 | 706.54 | 355.54 | 351.00 | 1,210.42 | 327.20 | 883.22 | 309.43 | 573.79 | 296.09 | 277.70 | 974.67 | 777.58 | 698.99 |
| Other Admin Expenses | 261.36 | 989.14 | 282.44 | 706.70 | 263.31 | 443.39 | 231.43 | 211.95 | 732.15 | 210.73 | 521.42 | 181.47 | 339.95 | 174.73 | 165.22 | 630.17 | 506.93 | 439.83 |
| Total Operating Expenses | 676.22 | 2,449.36 | 666.47 | 1,782.89 | 632.97 | 1,149.92 | 586.97 | 562.95 | 1,942.57 | 537.93 | 1,404.64 | 490.90 | 913.74 | 470.82 | 442.92 | 1,604.84 | 1,284.51 | 1,138.82 |
| ↳ YoY Growth % | 20.12% | 26.09% | 23.90% | 26.93% | 28.94% | 25.85% | 24.67% | 27.10% | 21.04% | 25.40% | 19.50% | 25.00% | 16.70% | 15.90% | 17.50% | 24.94% | 12.79% | 8.70% |
| ↳ QoQ Growth % | 1.46% | — | 5.29% | — | 7.84% | — | 4.27% | 4.65% | — | 9.58% | — | 4.26% | — | 6.30% | 3.30% | — | — | — |
| Pre-Provision Operating Profit | 333.00 | 1,188.00 | 335.00 | 853.00 | 276.00 | 577.00 | 279.00 | 298.00 | 1,188.00 | 277.00 | 934.00 | 279.00 | 654.00 | 299.00 | 356.00 | 1,193.00 | 1,000.00 | 575.00 |
| ↳ PPOP YoY Growth % | 15.40% | 0.00% | 20.70% | -8.60% | -1.08% | -11.77% | -6.60% | -16.20% | -0.50% | -18.90% | 9.70% | -5.50% | 17.70% | 5.50% | 30.30% | 19.30% | 74.10% | 27.50% |
| ↳ PPOP QoQ Growth % | -0.50% | — | 21.30% | — | -1.08% | — | -6.38% | 7.50% | — | -0.60% | — | -6.60% | — | -16.10% | 4.10% | — | — | — |
| Total Provisions | 178.00 | 861.00 | 195.00 | 666.00 | 266.00 | 400.00 | 204.00 | 196.00 | 714.00 | 158.00 | 580.00 | 174.00 | 406.00 | 210.00 | 196.00 | 679.00 | 744.00 | 569.00 |
| Exceptional Items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit Before Tax (PBT) | 155.23 | 326.43 | 139.82 | 186.61 | 9.69 | 176.92 | 74.99 | 101.92 | 473.73 | 119.84 | 353.89 | 105.33 | 248.56 | 88.38 | 160.19 | 514.35 | 255.97 | 5.41 |
| Income Tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -27.74 | -3.64 | -24.10 | -5.32 | -18.78 | -8.34 | -10.43 | -155.19 | — | — |
| Net Profit / PAT | 155.23 | 326.43 | 139.82 | 186.61 | 9.69 | 176.92 | 74.99 | 101.92 | 501.47 | 123.48 | 377.99 | 110.65 | 267.34 | 96.72 | 170.62 | 669.54 | 255.97 | 5.41 |
| ↳ PAT YoY Growth % | 52.31% | -34.91% | 13.23% | -50.63% | -91.24% | -33.82% | -22.47% | -40.26% | -25.10% | -61.61% | 8.66% | -17.82% | 25.38% | -21.27% | 88.81% | 161.57% | 4635.12% | -93.59% |
| ↳ PAT QoQ Growth % | 11.02% | — | 1342.29% | — | -87.08% | — | -26.42% | -17.46% | — | 11.60% | — | 14.40% | — | -43.31% | -46.96% | — | — | — |
| BALANCE SHEET & BUSINESS (₹ Crores) | ||||||||||||||||||
| Total Assets | 46,812.04 | 47,447.73 | 47,447.73 | 43,322.27 | 43,322.27 | 42,187.90 | 42,187.90 | 39,367.12 | 38,463.62 | 38,463.62 | 35,051.45 | 35,051.45 | 33,433.72 | 33,433.72 | 33,294.00 | 32,709.78 | 25,643.69 | 20,188.71 |
| Networth | 4,463.49 | 4,215.50 | 4,215.50 | 4,036.19 | 4,036.19 | 4,028.53 | 4,028.53 | 3,974.86 | 3,874.31 | 3,874.31 | 3,736.06 | 3,736.06 | 3,635.62 | 3,635.62 | 3,552.92 | 3,390.90 | 1,777.07 | 1,334.56 |
| Equity Share Capital | 105.34 | 105.32 | 105.32 | 105.27 | 105.27 | 105.24 | 105.24 | 105.18 | 105.06 | 105.06 | 104.74 | 104.74 | 104.59 | 104.59 | 104.59 | 104.59 | 54.98 | 51.41 |
| Reserves | 4,483.48 | 4,328.25 | 4,328.25 | 4,173.16 | 4,173.16 | 4,163.46 | 4,163.46 | 4,088.47 | 3,986.55 | 3,986.55 | 3,839.90 | 3,839.90 | 3,729.25 | 3,729.25 | 3,632.53 | 3,461.91 | 1,472.28 | 1,133.15 |
| Gross Advances | 35,225.84 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| ↳ Gross Advances YoY % | 24.09% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Advances | 34,699.00 | 33,827.69 | 33,827.69 | 31,496.00 | 31,496.00 | 29,743.41 | 29,743.41 | 27,825.00 | 27,155.48 | 27,155.48 | 26,514.00 | 26,514.00 | 24,861.45 | 24,861.45 | 24,207.00 | 23,111.27 | 17,759.56 | 13,006.67 |
| ↳ Net Advances YoY % | 24.70% | 24.57% | 24.57% | 18.79% | 18.79% | 19.64% | 19.64% | 14.95% | 17.50% | 17.50% | 20.72% | 20.72% | 18.34% | 18.34% | 31.02% | 30.13% | 36.54% | 12.01% |
| Total Deposits | 35,756.00 | 35,784.49 | 35,784.49 | 33,733.00 | 33,733.00 | 32,532.44 | 32,532.44 | 29,426.00 | 29,119.78 | 29,119.78 | 25,865.00 | 25,865.00 | 24,808.03 | 24,808.03 | 23,710.00 | 22,571.25 | 16,334.02 | 13,536.49 |
| ↳ Deposit YoY % | 21.51% | 22.89% | 22.89% | 30.42% | 30.42% | 31.14% | 31.14% | 24.11% | 29.01% | 29.01% | 24.44% | 24.44% | 31.00% | 31.00% | 41.05% | 38.19% | 20.67% | 9.29% |
| Savings Deposits | 4,941.91 | — | — | 4,854.24 | 4,854.24 | 4,286.68 | 4,286.68 | 3,763.79 | 3,809.48 | 3,809.48 | 3,428.57 | 3,428.57 | 3,579.67 | 3,579.67 | 3,485.44 | 3,198.41 | 2,588.57 | 2,282.92 |
| ↳ Savings YoY % | 31.30% | — | — | 41.58% | 41.58% | — | 19.75% | 7.99% | 19.11% | 19.11% | 22.29% | 22.29% | — | 28.29% | 47.12% | 23.56% | 13.39% | 59.89% |
| Current Deposits | 1,929.09 | — | — | 1,887.76 | 1,887.76 | 1,673.32 | 1,673.32 | 1,469.21 | 1,425.82 | 1,425.82 | 1,338.35 | 1,338.35 | 1,397.33 | 1,397.33 | 1,360.56 | 1,248.51 | 712.39 | 766.15 |
| ↳ Current YoY % | 31.30% | — | — | 41.05% | 41.05% | — | 19.75% | 7.99% | 14.20% | 14.20% | 22.29% | 22.29% | — | 28.29% | 47.12% | 75.26% | -7.02% | 18.18% |
| CASA Deposits | 6,871.00 | 6,418.00 | 6,418.00 | 6,742.00 | 6,742.00 | 5,960.00 | 5,960.00 | 5,233.00 | 5,235.00 | 5,235.00 | 4,766.92 | 4,766.92 | 4,977.00 | 4,977.00 | 4,846.00 | 4,446.92 | 3,300.96 | 3,049.07 |
| ↳ CASA YoY % | 31.30% | 22.64% | 22.64% | 41.43% | 41.43% | 19.75% | 19.75% | 7.99% | 17.72% | 17.72% | 22.29% | 22.29% | 28.29% | 28.29% | 47.12% | 34.72% | 8.26% | 46.87% |
| EPS (₹) | 14.74 | 30.99 | 13.27 | 17.73 | 0.92 | 16.81 | 7.13 | 9.69 | 47.73 | 11.75 | 36.09 | 10.56 | 25.56 | 9.25 | 16.31 | 64.02 | 46.56 | 1.05 |
| KEY RATIOS | ||||||||||||||||||
| NIM % | 7.50% | 6.70% | 7.20% | 6.70% | 6.60% | 6.75% | 6.60% | 6.90% | 7.60% | 7.40% | 7.70% | 7.30% | 7.80% | 7.70% | 8.00% | 8.00% | 7.84% | 7.26% |
| Cost to Income % | 66.99% | 67.34% | 66.57% | 67.64% | 69.64% | 66.58% | 67.79% | 65.38% | 62.05% | 65.98% | 60.07% | 63.75% | 58.27% | 61.19% | 55.45% | 57.35% | 56.22% | 66.46% |
| GNPA % | 2.39% | 2.46% | 2.46% | 2.59% | 2.59% | 2.87% | 2.87% | 2.91% | 2.71% | 2.71% | 2.80% | 2.80% | 2.97% | 2.97% | 2.62% | 2.11% | 3.94% | 5.71% |
| NNPA % | 0.91% | 1.26% | 1.26% | 0.94% | 0.94% | 0.94% | 0.94% | 0.94% | 0.94% | 0.94% | 0.94% | 0.94% | 0.99% | 0.99% | 0.99% | 0.56% | 2.64% | 3.95% |
| PCR % | 62.64% | 63.10% | 63.10% | 64.44% | 64.44% | 67.77% | 67.77% | 68.15% | 66.09% | 66.09% | 66.94% | 66.94% | 67.23% | 67.23% | 62.73% | 73.70% | 34.01% | 32.19% |
| ROA % | 1.35% | 0.79% | 1.26% | 0.62% | 0.09% | 0.90% | 0.74% | 1.07% | 1.49% | 1.40% | 1.52% | 1.30% | 1.63% | 1.17% | 2.10% | 2.38% | 1.13% | 0.09% |
| ROE % | 13.60% | 7.60% | 12.80% | 5.80% | 0.90% | 8.45% | 7.10% | 9.80% | 13.00% | 12.30% | 13.50% | 11.40% | 14.50% | 10.20% | 18.80% | 26.90% | 16.70% | 1.53% |
| CASA Ratio % | 19.22% | 17.94% | 17.94% | 19.99% | 19.99% | 18.32% | 18.32% | 17.78% | 17.98% | 17.98% | 18.43% | 18.43% | 20.06% | 20.06% | 20.44% | 19.70% | 20.21% | 22.52% |
| CAR % | 20.18% | 19.38% | 19.38% | 19.17% | 19.17% | 19.72% | 19.72% | 19.97% | 20.68% | 20.68% | 18.39% | 18.39% | 18.81% | 18.81% | 19.29% | 20.31% | 15.57% | 15.26% |
| COST RATIOS AS % TO TOTAL INCOME | ||||||||||||||||||
| Interest / Disc. on Advances | 79.20% | 89.79% | 90.58% | 89.50% | 88.95% | 89.79% | 90.06% | 89.51% | 90.55% | 90.71% | 90.56% | 91.15% | 90.26% | 91.07% | 89.45% | 90.11% | 88.51% | 88.47% |
| Income on Investments | 7.08% | 9.13% | 8.93% | 9.20% | 9.72% | 8.92% | 8.88% | 8.96% | 8.08% | 7.26% | 8.30% | 7.50% | 8.70% | 8.07% | 9.33% | 8.70% | 10.58% | 9.39% |
| Interest on Bal with RBI | 0.66% | 0.85% | 0.49% | 0.99% | 0.53% | 1.23% | 1.06% | 1.41% | 1.34% | 1.90% | 1.14% | 1.35% | 1.04% | 0.86% | 1.22% | 1.19% | 0.92% | 2.15% |
| Others (Fund Income) | 0.03% | 0.23% | 0.00% | 0.32% | 0.80% | 0.06% | 0.00% | 0.12% | 0.03% | 0.13% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Other Income | 13.03% | 19.01% | 18.39% | 19.24% | 17.82% | 20.01% | 18.97% | 21.09% | 16.61% | 19.76% | 15.44% | 15.07% | 15.63% | 15.06% | 16.20% | 16.72% | 20.32% | 11.87% |
| Total Interest Expense | 42.04% | 51.34% | 49.08% | 52.18% | 51.64% | 52.46% | 52.60% | 52.32% | 49.59% | 50.88% | 48.83% | 49.67% | 48.41% | 49.07% | 47.75% | 46.99% | 46.02% | 49.03% |
| Net Interest Income | 44.93% | 48.66% | 50.92% | 47.82% | 48.36% | 47.54% | 47.40% | 47.68% | 50.41% | 49.12% | 51.17% | 50.33% | 51.59% | 50.93% | 52.25% | 53.01% | 53.98% | 50.97% |
| Employee Cost | 23.82% | 27.17% | 26.58% | 27.38% | 26.91% | 27.63% | 27.25% | 28.03% | 25.91% | 27.64% | 25.16% | 26.28% | 24.59% | 25.39% | 23.79% | 24.29% | 25.29% | 25.64% |
| Admin Expenses | 15.01% | 18.40% | 19.55% | 17.98% | 19.17% | 17.34% | 17.74% | 16.93% | 15.67% | 17.80% | 14.85% | 15.41% | 14.57% | 14.99% | 14.16% | 15.70% | 16.49% | 16.13% |
| Total Operating Expenses | 38.83% | 45.57% | 46.14% | 45.36% | 46.08% | 44.97% | 44.99% | 44.96% | 41.59% | 45.44% | 40.01% | 41.69% | 39.16% | 40.38% | 37.95% | 39.99% | 41.77% | 41.77% |
| PPOP | 19.13% | 22.10% | 23.17% | 21.70% | 20.09% | 22.57% | 21.38% | 23.81% | 25.43% | 23.43% | 26.59% | 23.70% | 28.05% | 25.61% | 30.49% | 29.74% | 32.53% | 21.08% |
| Provisions | 10.22% | 16.02% | 13.49% | 16.96% | 19.38% | 15.65% | 15.63% | 15.67% | 15.29% | 13.31% | 16.51% | 14.76% | 17.40% | 18.03% | 16.76% | 16.92% | 24.21% | 20.88% |
| PBT | 8.91% | 6.07% | 9.68% | 4.75% | 0.71% | 6.92% | 5.75% | 8.14% | 10.14% | 10.12% | 10.08% | 8.95% | 10.65% | 7.58% | 13.73% | 12.82% | 8.32% | 0.20% |
| Income Tax | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -0.59% | -0.31% | -0.69% | -0.45% | -0.80% | -0.72% | -0.89% | -3.87% | 0.00% | 0.00% |
| PAT | 8.91% | 6.07% | 9.68% | 4.75% | 0.71% | 6.92% | 5.75% | 8.14% | 10.74% | 10.43% | 10.77% | 9.40% | 11.46% | 8.29% | 14.62% | 16.68% | 8.32% | 0.20% |
Net Profit (₹ Cr)
₹103
FY26
NIM %
6.69%
FY26
GNPA %
2.60%
FY26
NNPA %
0.72%
FY26
ROE %
1.73%
FY26
ROA %
0.18%
FY26
| Particulars | Q1FY27 | FY26 | FY25 | FY24 | FY23 | FY22 | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Q1FY27 | FY26 | Q4FY26 | 9MFY26 | Q3FY26 | H1FY26 | Q2FY26 | Q1FY26 | FY25 | Q4FY25 | 9MFY25 | Q3FY25 | H1FY25 | Q2FY25 | Q1FY25 | FY24 | FY23 | FY22 | |
| INCOME STATEMENT (₹ Crores) | ||||||||||||||||||
| Interest / Disc. on Advances | 1,754.88 | 5,970.98 | 1,631.74 | 4,339.24 | 1,494.86 | 2,844.38 | 1,410.40 | 1,433.97 | 5,563.32 | 1,447.69 | 4,115.63 | 1,425.00 | 2,690.64 | 1,365.98 | 1,324.66 | 4,920.96 | 3,764.72 | 3,139.12 |
| Income on Investments | 175.33 | 660.97 | 167.62 | 493.35 | 169.26 | 324.09 | 162.85 | 161.24 | 647.39 | 159.43 | 487.96 | 163.74 | 324.22 | 169.97 | 154.25 | 539.75 | 315.61 | 245.74 |
| Interest on Bal with RBI & Others | 30.12 | 162.24 | 36.94 | 125.30 | 27.56 | 97.74 | 44.09 | 53.65 | 101.02 | 36.86 | 64.16 | 23.19 | 40.97 | 18.92 | 22.05 | 25.69 | 81.54 | 74.40 |
| Others | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Fund Based Income | 1,960.40 | 6,794.24 | 1,836.35 | 4,957.89 | 1,691.68 | 3,266.21 | 1,617.35 | 1,648.86 | 6,311.72 | 1,643.97 | 4,667.75 | 1,611.93 | 3,055.82 | 1,554.87 | 1,500.95 | 5,486.40 | 4,161.88 | 3,459.27 |
| ↳ YoY Growth % | 18.89% | 7.64% | 11.70% | 6.22% | 4.95% | 6.88% | 4.02% | 9.85% | 15.04% | 13.80% | 15.49% | 12.82% | 16.95% | 14.41% | 19.70% | 31.83% | 20.31% | 8.29% |
| ↳ QoQ Growth % | 6.76% | — | 8.55% | — | 4.60% | — | -1.91% | 0.30% | — | 1.99% | — | 3.67% | — | 3.59% | 3.90% | — | — | — |
| Other Income | 255.10 | 1,073.55 | 263.46 | 810.09 | 289.45 | 520.63 | 228.95 | 291.69 | 911.49 | 225.45 | 686.04 | 238.41 | 447.63 | 238.93 | 208.70 | 798.67 | 669.59 | 533.71 |
| Total Income | 2,215.50 | 7,867.78 | 2,099.81 | 5,767.98 | 1,981.13 | 3,786.84 | 1,846.29 | 1,940.55 | 7,223.21 | 1,869.42 | 5,353.80 | 1,850.34 | 3,503.46 | 1,793.80 | 1,709.66 | 6,285.07 | 4,831.46 | 3,992.98 |
| ↳ YoY Growth % | 14.17% | 8.92% | 12.32% | 7.74% | 7.07% | 8.09% | 2.93% | 13.51% | 14.93% | 10.90% | 16.40% | 13.20% | 18.10% | 16.50% | 19.90% | 30.09% | 21.00% | 10.50% |
| ↳ QoQ Growth % | 5.51% | — | 5.99% | — | 7.30% | — | -4.86% | 3.80% | — | 1.03% | — | 3.15% | — | 4.92% | 1.50% | — | — | — |
| Total Interest Expense | 930.81 | 3,403.07 | 856.23 | 2,546.83 | 840.05 | 1,706.78 | 843.67 | 863.12 | 3,060.11 | 814.55 | 2,245.57 | 793.54 | 1,452.03 | 752.56 | 699.47 | 2,406.64 | 1,617.15 | 1,421.13 |
| ↳ YoY Growth % | 7.84% | 11.21% | 5.12% | 13.42% | 5.86% | 17.54% | 12.11% | 23.40% | 27.15% | 23.65% | 28.47% | 23.29% | 31.50% | 26.82% | 36.93% | 48.82% | 13.79% | 1.77% |
| ↳ QoQ Growth % | 8.71% | — | 1.93% | — | -0.43% | — | -2.25% | 5.96% | — | 2.65% | — | 5.45% | — | 7.59% | 6.18% | — | — | — |
| Net Interest Income (NII) | 1,029.59 | 3,391.17 | 980.12 | 2,411.05 | 851.63 | 1,559.42 | 773.68 | 785.75 | 3,251.61 | 829.43 | 2,422.19 | 818.39 | 1,603.79 | 802.31 | 801.49 | 3,079.76 | 2,544.73 | 2,038.13 |
| ↳ NII YoY Growth % | 31.03% | 4.29% | 18.17% | -0.46% | 4.06% | -2.77% | -3.57% | -1.96% | 5.58% | 5.56% | 5.59% | 4.23% | 6.30% | 4.80% | 7.85% | 21.03% | 24.86% | 13.36% |
| ↳ NII QoQ Growth % | 5.05% | — | 15.09% | — | 10.08% | — | -1.54% | -5.27% | — | 1.35% | — | 2.00% | — | 0.10% | 2.00% | — | — | — |
| Employee Cost | 548.71 | 1,964.08 | 514.10 | 1,449.98 | 516.28 | 933.70 | 473.69 | 460.01 | 1,621.01 | 418.43 | 1,202.58 | 425.48 | 777.09 | 402.42 | 374.67 | 1,368.93 | 1,096.68 | 898.21 |
| Other Admin Expenses | 331.26 | 1,235.67 | 327.02 | 908.65 | 317.62 | 591.03 | 288.37 | 302.66 | 1,207.83 | 325.14 | 882.69 | 298.46 | 584.22 | 289.10 | 295.12 | 1,132.14 | 941.63 | 805.94 |
| Total Operating Expenses | 879.96 | 3,199.75 | 841.11 | 2,358.63 | 833.90 | 1,524.73 | 762.06 | 762.66 | 2,828.83 | 743.57 | 2,085.26 | 723.95 | 1,361.32 | 691.52 | 669.79 | 2,501.07 | 2,038.30 | 1,704.15 |
| ↳ YoY Growth % | 15.38% | 13.11% | 13.12% | 13.11% | 15.19% | 12.00% | 10.20% | 13.87% | 13.10% | 14.10% | 12.70% | 14.90% | 11.70% | 12.10% | 11.20% | 22.70% | 19.61% | 28.20% |
| ↳ QoQ Growth % | 4.62% | — | 0.86% | — | 9.43% | — | -0.08% | 2.57% | — | 2.71% | — | 4.69% | — | 3.24% | 2.80% | — | — | — |
| Pre-Provision Operating Profit | 404.73 | 1,264.97 | 402.46 | 862.51 | 307.18 | 555.33 | 240.56 | 314.77 | 1,334.27 | 311.30 | 1,022.97 | 332.85 | 690.11 | 349.72 | 340.40 | 1,377.36 | 1,176.01 | 867.70 |
| ↳ PPOP YoY Growth % | 28.58% | -5.19% | 29.28% | -15.69% | -7.71% | -19.53% | -31.21% | -7.53% | -3.13% | -16.93% | 2.03% | -7.62% | 7.44% | 5.91% | 9.06% | 17.12% | 35.53% | -2.13% |
| ↳ PPOP QoQ Growth % | 0.56% | — | 31.02% | — | 27.69% | — | -23.58% | 1.11% | — | -6.47% | — | -4.82% | — | 2.74% | -9.17% | — | — | — |
| Total Provisions | 160.66 | 1,136.84 | 124.11 | 1,012.73 | 193.45 | 819.27 | 207.02 | 612.25 | 1,135.42 | 258.01 | 877.41 | 243.11 | 634.29 | 329.66 | 304.64 | 314.24 | 407.20 | 489.59 |
| Exceptional Items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit Before Tax (PBT) | 244.07 | 128.13 | 278.35 | -150.22 | 113.73 | -263.94 | 33.54 | -297.48 | 198.85 | 53.29 | 145.56 | 89.74 | 55.82 | 20.06 | 35.76 | 1,063.12 | 768.81 | 378.11 |
| Income Tax | 60.47 | 25.05 | 65.67 | -40.62 | 23.70 | -64.32 | 9.40 | -73.72 | 51.80 | 11.18 | 40.62 | 23.44 | 17.18 | 7.18 | 10.00 | 264.16 | 195.21 | 97.38 |
| Net Profit / PAT | 183.61 | 103.08 | 212.68 | -109.60 | 90.03 | -199.63 | 24.14 | -223.76 | 147.05 | 42.11 | 104.94 | 66.30 | 38.64 | 12.88 | 25.76 | 798.96 | 573.60 | 280.73 |
| ↳ PAT YoY Growth % | — | -29.90% | 405.06% | — | 35.79% | — | 87.35% | — | -81.59% | -79.72% | -82.25% | -67.18% | -90.08% | -93.50% | -86.53% | 39.29% | 104.32% | -26.94% |
| ↳ PAT QoQ Growth % | -13.67% | — | 136.23% | — | 272.95% | — | — | — | — | -36.49% | — | 414.67% | — | -50.00% | -87.59% | — | — | — |
| BALANCE SHEET & BUSINESS (₹ Crores) | ||||||||||||||||||
| Total Assets | 64,282.57 | 60,610.36 | 60,610.36 | 55,786.32 | 55,786.32 | 55,431.32 | 55,431.32 | 53,934.00 | 52,835.63 | 52,835.63 | 50,823.00 | 50,823.00 | 48,634.00 | 48,634.00 | 46,446.00 | 45,303.87 | 34,958.13 | 26,947.62 |
| Networth | 5,798.33 | 5,582.45 | 5,582.45 | 5,383.60 | 5,383.60 | 5,323.19 | 5,323.19 | 5,307.54 | 5,592.58 | 5,592.58 | 5,538.06 | 5,538.06 | 5,466.80 | 5,466.80 | 5,519.99 | 5,537.37 | 4,796.84 | 3,971.55 |
| Equity Share Capital | 1,143.72 | 1,141.04 | 1,141.04 | 1,140.72 | 1,140.72 | 1,140.50 | 1,140.50 | 1,140.30 | 1,139.86 | 1,139.86 | 1,139.32 | 1,139.32 | 1,138.50 | 1,138.50 | 1,136.07 | 1,134.89 | 1,110.56 | 1,252.03 |
| Reserves | 5,167.40 | 4,983.79 | 4,983.79 | 4,823.06 | 4,823.06 | 4,733.03 | 4,733.03 | 4,708.90 | 4,932.66 | 4,932.66 | 4,938.76 | 4,938.76 | 4,872.45 | 4,872.45 | 4,859.57 | 4,833.81 | 4,047.39 | 2,994.14 |
| Gross Advances | 47,641.00 | 46,165.00 | 46,165.00 | 43,268.00 | 43,268.00 | 39,123.00 | 39,123.00 | 37,610.00 | 37,986.00 | 37,986.00 | 37,344.00 | 37,344.00 | 36,053.00 | 36,053.00 | 34,871.00 | 34,337.00 | 27,861.00 | 20,597.00 |
| ↳ Gross Advances YoY % | 26.67% | 21.53% | 21.53% | 15.86% | 15.86% | 8.52% | 8.52% | 7.85% | 10.63% | 10.63% | 13.94% | 13.94% | 15.45% | 15.45% | 17.80% | 23.24% | 35.27% | 14.91% |
| Net Advances | 44,733.00 | 42,751.29 | 42,751.29 | 39,846.00 | 39,846.00 | 36,352.28 | 36,352.28 | 34,741.00 | 36,208.89 | 36,208.89 | 35,386.00 | 35,386.00 | 33,962.50 | 33,962.50 | 31,926.00 | 30,964.30 | 25,798.56 | 19,374.21 |
| ↳ Net Advances YoY % | 28.76% | 18.07% | 18.07% | 12.60% | 12.60% | 7.04% | 7.04% | 8.82% | 16.94% | 16.94% | 21.14% | 21.14% | 18.06% | 18.06% | 15.98% | 20.02% | 33.16% | 14.99% |
| Total Deposits | 48,976.00 | 46,533.09 | 46,533.09 | 43,668.00 | 43,668.00 | 44,093.50 | 44,093.50 | 44,379.00 | 43,106.72 | 43,106.72 | 40,738.00 | 40,738.00 | 39,753.45 | 39,753.45 | 37,524.00 | 36,129.20 | 25,380.56 | 18,950.80 |
| ↳ Deposit YoY % | 10.36% | 7.95% | 7.95% | 7.19% | 7.19% | 10.92% | 10.92% | 18.27% | 19.31% | 19.31% | 25.79% | 25.79% | 28.90% | 28.90% | 35.42% | 42.35% | 33.93% | 15.61% |
| Savings Deposits | 11,003.00 | 10,662.00 | 10,662.00 | 11,611.00 | 11,611.00 | 11,856.00 | 11,856.00 | 10,800.00 | 10,762.00 | 10,762.00 | 10,176.00 | 10,176.00 | 10,728.00 | 10,728.00 | 10,551.00 | 10,337.00 | 9,758.00 | 9,083.00 |
| ↳ Savings YoY % | 1.88% | -0.93% | -0.93% | 14.10% | 14.10% | 10.51% | 10.51% | 2.36% | 4.11% | 4.11% | 5.21% | 5.21% | 12.51% | 12.51% | 7.65% | 5.93% | 7.43% | 78.32% |
| Current Deposits | 1,304.00 | 1,536.00 | 1,536.00 | 1,275.00 | 1,275.00 | 1,766.00 | 1,766.00 | 2,253.00 | 1,648.00 | 1,648.00 | 1,492.00 | 1,492.00 | 1,456.00 | 1,456.00 | 1,173.00 | 1,215.00 | 974.00 | 772.00 |
| ↳ Current YoY % | -42.12% | -6.80% | -6.80% | -14.54% | -14.54% | 21.29% | 21.29% | 92.07% | 35.64% | 35.64% | 62.00% | 62.00% | 78.87% | 78.87% | 39.48% | 24.74% | 26.17% | 48.44% |
| CASA Deposits | 12,307.00 | 12,198.00 | 12,198.00 | 12,886.00 | 12,886.00 | 13,622.00 | 13,622.00 | 13,053.00 | 12,410.00 | 12,410.00 | 11,668.00 | 11,668.00 | 12,184.00 | 12,184.00 | 11,724.00 | 11,552.00 | 10,732.00 | 9,855.00 |
| ↳ CASA YoY % | -5.72% | -1.71% | -1.71% | 10.44% | 10.44% | 11.80% | 11.80% | 11.34% | 7.43% | 7.43% | 10.15% | 10.15% | 17.73% | 17.73% | 10.17% | 7.64% | 8.90% | 75.55% |
| EPS (₹) | 1.61 | 0.90 | 1.86 | -0.96 | 0.79 | -1.75 | 0.21 | -1.96 | 1.29 | 0.37 | 0.92 | 0.58 | 0.34 | 0.11 | 0.23 | 7.04 | 5.16 | 2.24 |
| KEY RATIOS | ||||||||||||||||||
| NIM % | 7.07% | 6.69% | 7.29% | 6.52% | 6.72% | 6.42% | 6.29% | 6.55% | 7.51% | 7.13% | 7.68% | 7.39% | 7.79% | 7.69% | 7.97% | 8.36% | 9.00% | 8.54% |
| Cost to Income % | 68.50% | 71.67% | 67.64% | 73.22% | 73.08% | 73.30% | 76.01% | 70.79% | 67.95% | 70.49% | 67.09% | 68.50% | 66.36% | 66.41% | 66.30% | 64.49% | 63.41% | 66.26% |
| GNPA % | 2.42% | 2.60% | 2.60% | 2.75% | 2.75% | 2.92% | 2.92% | 2.92% | 2.89% | 2.89% | 2.97% | 2.97% | 2.95% | 2.95% | 2.73% | 2.61% | 2.76% | 4.24% |
| NNPA % | 0.71% | 0.72% | 0.72% | 0.92% | 0.92% | 0.98% | 0.98% | 0.98% | 0.98% | 0.98% | 0.96% | 0.96% | 0.97% | 0.97% | 0.83% | 1.17% | 1.21% | 2.47% |
| PCR % | 71.02% | 73.03% | 73.03% | 67.10% | 67.10% | 66.93% | 66.93% | 67.03% | 66.83% | 66.83% | 68.28% | 68.28% | 67.71% | 67.71% | 70.29% | 56.06% | 56.90% | 42.73% |
| ROA % | 1.16% | 0.18% | 1.44% | -0.27% | 0.64% | -0.74% | 0.16% | -1.64% | 0.30% | 0.32% | 0.29% | 0.52% | 0.17% | 0.12% | 0.24% | 1.96% | 1.82% | 1.07% |
| ROE % | 11.76% | 1.69% | — | — | — | — | — | — | 2.44% | — | — | — | — | — | — | 14.36% | 12.20% | 7.35% |
| CASA Ratio % | 25.13% | 26.21% | 26.21% | 29.51% | 29.51% | 30.89% | 30.89% | 29.41% | 28.79% | 28.79% | 28.64% | 28.64% | 30.65% | 30.65% | 31.24% | 31.97% | 42.28% | 52.00% |
| CAR % | 19.44% | 20.31% | 20.31% | 20.47% | 20.47% | 20.74% | 20.74% | 20.48% | 20.60% | 20.60% | 20.29% | 20.29% | 19.36% | 19.36% | 20.55% | 21.70% | 23.80% | 25.16% |
| COST RATIOS AS % TO TOTAL INCOME | ||||||||||||||||||
| Interest / Disc. on Advances | 79.21% | 87.88% | 88.86% | 87.52% | 88.37% | 87.09% | 87.20% | 86.97% | 88.14% | 88.06% | 88.17% | 88.40% | 88.05% | 87.85% | 88.25% | 89.69% | 90.46% | 90.75% |
| Income on Investments | 7.91% | 9.73% | 9.13% | 9.95% | 10.01% | 9.92% | 10.07% | 9.78% | 10.26% | 9.70% | 10.45% | 10.16% | 10.61% | 10.93% | 10.28% | 9.84% | 7.58% | 7.10% |
| Interest on Bal with RBI | 1.36% | 2.39% | 2.01% | 2.53% | 1.63% | 2.99% | 2.73% | 3.25% | 1.60% | 2.24% | 1.37% | 1.44% | 1.34% | 1.22% | 1.47% | 0.47% | 1.96% | 2.15% |
| Others (Fund Income) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Other Income | 11.51% | 15.80% | 14.35% | 16.34% | 17.11% | 15.94% | 14.16% | 17.69% | 14.44% | 13.71% | 14.70% | 14.79% | 14.65% | 15.37% | 13.90% | 14.56% | 16.09% | 15.43% |
| Total Interest Expense | 42.01% | 50.09% | 46.63% | 51.37% | 49.66% | 52.26% | 52.16% | 52.35% | 48.48% | 49.55% | 48.11% | 49.23% | 47.52% | 48.40% | 46.60% | 43.87% | 38.86% | 41.08% |
| Net Interest Income | 46.47% | 49.91% | 53.37% | 48.63% | 50.34% | 47.74% | 47.84% | 47.65% | 51.52% | 50.45% | 51.89% | 50.77% | 52.48% | 51.60% | 53.40% | 56.13% | 61.14% | 58.92% |
| Employee Cost | 24.77% | 28.91% | 28.00% | 29.25% | 30.52% | 28.59% | 29.29% | 27.90% | 25.68% | 25.45% | 25.76% | 26.40% | 25.43% | 25.88% | 24.96% | 24.95% | 26.35% | 25.97% |
| Admin Expenses | 14.95% | 18.19% | 17.81% | 18.33% | 18.78% | 18.10% | 17.83% | 18.36% | 19.14% | 19.78% | 18.91% | 18.52% | 19.12% | 18.59% | 19.66% | 20.64% | 22.63% | 23.30% |
| Total Operating Expenses | 39.72% | 47.09% | 45.80% | 47.57% | 49.29% | 46.68% | 47.12% | 46.25% | 44.82% | 45.23% | 44.67% | 44.91% | 44.55% | 44.47% | 44.62% | 45.59% | 48.98% | 49.26% |
| PPOP | 18.27% | 18.62% | 21.92% | 17.40% | 18.16% | 17.00% | 14.87% | 19.09% | 21.14% | 18.94% | 21.92% | 20.65% | 22.58% | 22.49% | 22.68% | 25.11% | 28.26% | 25.08% |
| Provisions | 7.25% | 16.73% | 6.76% | 20.43% | 11.44% | 25.08% | 12.80% | 37.13% | 17.99% | 15.69% | 18.80% | 15.08% | 20.76% | 21.20% | 20.30% | 5.73% | 9.78% | 14.15% |
| PBT | 11.02% | 1.89% | 15.16% | -3.03% | 6.72% | -8.08% | 2.07% | -18.04% | 3.15% | 3.24% | 3.12% | 5.57% | 1.83% | 1.29% | 2.38% | 19.38% | 18.47% | 10.93% |
| Income Tax | 2.73% | 0.37% | 3.58% | -0.82% | 1.40% | -1.97% | 0.58% | -4.47% | 0.82% | 0.68% | 0.87% | 1.45% | 0.56% | 0.46% | 0.67% | 4.81% | 4.69% | 2.81% |
| PAT | 8.29% | 1.52% | 11.58% | -2.21% | 5.32% | -6.11% | 1.49% | -13.57% | 2.33% | 2.56% | 2.25% | 4.11% | 1.26% | 0.83% | 1.72% | 14.56% | 13.78% | 8.12% |
Net Profit (₹ Cr)
₹693
FY26
NIM %
8.10%
FY26
GNPA %
2.26%
FY26
NNPA %
0.43%
FY26
ROE %
10.90%
FY26
ROA %
1.37%
FY26
| Particulars | Q1FY27 | FY26 | FY25 | FY24 | FY23 | FY22 | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Q1FY27 | FY26 | Q4FY26 | 9MFY26 | Q3FY26 | H1FY26 | Q2FY26 | Q1FY26 | FY25 | Q4FY25 | 9MFY25 | Q3FY25 | H1FY25 | Q2FY25 | Q1FY25 | FY24 | FY23 | FY22 | |
| INCOME STATEMENT (₹ Crores) | ||||||||||||||||||
| Interest / Disc. on Advances | 1,792.11 | 6,077.46 | 1,658.33 | 4,419.13 | 1,547.59 | 2,871.54 | 1,472.70 | 1,398.84 | 5,525.71 | 1,359.62 | 4,166.09 | 1,381.77 | 2,784.32 | 1,405.45 | 1,378.87 | 4,973.02 | 3,707.77 | 2,575.78 |
| Income on Investments | 222.17 | 830.32 | 216.02 | 614.30 | 199.43 | 414.87 | 203.01 | 211.86 | 805.83 | 208.70 | 597.13 | 202.04 | 395.09 | 201.02 | 194.07 | 678.61 | 410.83 | 185.14 |
| Interest on Bal with RBI & Others | 8.90 | 16.00 | 2.35 | 13.65 | 3.09 | 10.56 | 4.57 | 5.99 | 10.96 | 2.55 | 8.41 | 4.53 | 3.88 | 2.53 | 1.35 | 10.55 | 18.06 | 51.89 |
| Others | 1.74 | 7.65 | 1.66 | 5.99 | 1.81 | 4.18 | 2.03 | 2.15 | 11.90 | 2.49 | 9.41 | 2.73 | 6.68 | 3.79 | 2.89 | 14.98 | 28.34 | 0.00 |
| Total Fund Based Income | 2,024.92 | 6,931.43 | 1,878.36 | 5,053.07 | 1,751.92 | 3,301.15 | 1,682.31 | 1,618.84 | 6,354.40 | 1,573.36 | 4,781.04 | 1,591.07 | 3,189.97 | 1,612.79 | 1,577.18 | 5,677.16 | 4,165.00 | 2,812.81 |
| ↳ YoY Growth % | 25.08% | 9.08% | 19.39% | 5.69% | 10.11% | 3.49% | 4.31% | 2.64% | 11.93% | 2.93% | 15.24% | 8.19% | 19.12% | 15.93% | 22.56% | 36.31% | 48.07% | 0.24% |
| ↳ QoQ Growth % | — | — | 6.72% | — | 5.61% | — | 3.79% | 1.34% | — | 4.53% | — | -3.12% | — | 2.58% | 0.55% | — | — | — |
| Other Income | 256.01 | 1,107.52 | 306.70 | 800.82 | 295.48 | 505.34 | 256.35 | 248.99 | 846.20 | 269.69 | 576.51 | 172.17 | 404.34 | 207.25 | 197.09 | 786.75 | 559.68 | 314.90 |
| Total Income | 2,280.93 | 8,038.95 | 2,185.06 | 5,853.89 | 2,047.40 | 3,806.49 | 1,938.66 | 1,867.83 | 7,200.60 | 1,843.05 | 5,357.55 | 1,763.24 | 3,594.31 | 1,820.04 | 1,774.27 | 6,463.91 | 4,724.68 | 3,127.71 |
| ↳ YoY Growth % | 22.12% | 11.64% | 18.56% | 9.26% | 16.12% | 5.90% | 6.52% | 5.27% | 11.40% | 4.44% | 14.01% | 6.52% | 18.08% | 15.21% | 21.19% | 36.81% | 51.06% | 0.35% |
| ↳ QoQ Growth % | 4.39% | — | 6.72% | — | 5.61% | — | 3.79% | 1.34% | — | 4.53% | — | -3.12% | — | 2.58% | 0.55% | — | — | — |
| Total Interest Expense | 837.57 | 3,060.44 | 785.47 | 2,274.97 | 751.45 | 1,523.52 | 760.63 | 762.89 | 2,718.12 | 709.05 | 2,009.07 | 704.33 | 1,304.74 | 669.02 | 635.72 | 2,267.70 | 1,467.09 | 1,039.21 |
| ↳ YoY Growth % | 9.79% | 12.59% | 10.78% | 13.23% | 6.69% | 16.77% | 13.69% | 20.00% | 19.86% | 19.17% | 20.11% | 15.33% | 22.85% | 17.83% | 28.63% | 54.57% | 41.17% | -3.55% |
| ↳ QoQ Growth % | 6.63% | — | 4.53% | — | -1.21% | — | -0.30% | 7.59% | — | 0.67% | — | 5.28% | — | 5.24% | 6.85% | — | — | — |
| Net Interest Income (NII) | 1,187.35 | 3,870.99 | 1,092.89 | 2,778.10 | 1,000.47 | 1,777.63 | 921.68 | 855.95 | 3,636.28 | 864.31 | 2,771.97 | 886.74 | 1,885.23 | 943.77 | 941.46 | 3,409.46 | 2,697.91 | 1,773.60 |
| ↳ NII YoY Growth % | 38.72% | 6.45% | 26.45% | 0.22% | 12.83% | -5.71% | -2.34% | -9.08% | 6.65% | -7.42% | 11.96% | 3.12% | 16.66% | 14.63% | 18.77% | 26.37% | 52.11% | 2.61% |
| ↳ NII QoQ Growth % | 8.64% | — | 9.24% | — | 8.55% | — | 7.68% | -0.97% | — | -2.53% | — | -6.04% | — | 0.25% | 0.85% | — | — | — |
| Employee Cost | 503.56 | 1,790.97 | 469.95 | 1,321.02 | 473.81 | 847.21 | 435.46 | 411.75 | 1,499.49 | 419.61 | 1,079.88 | 371.19 | 708.69 | 368.44 | 340.25 | 1,183.18 | 920.25 | 812.60 |
| Other Admin Expenses | 391.74 | 1,477.42 | 415.04 | 1,062.38 | 382.34 | 680.04 | 347.33 | 332.71 | 1,293.74 | 354.63 | 939.11 | 328.55 | 610.56 | 321.78 | 288.78 | 1,095.92 | 881.81 | 683.48 |
| Total Operating Expenses | 895.30 | 3,268.39 | 884.99 | 2,383.40 | 856.15 | 1,527.25 | 782.79 | 744.46 | 2,793.23 | 774.24 | 2,018.99 | 699.74 | 1,319.25 | 690.22 | 629.03 | 2,279.10 | 1,802.06 | 1,496.08 |
| ↳ YoY Growth % | 20.26% | 17.01% | 14.30% | 18.05% | 22.35% | 15.77% | 13.41% | 18.35% | 22.56% | 18.90% | 24.00% | 19.10% | 26.80% | 30.60% | 22.90% | 26.47% | 20.45% | 21.60% |
| ↳ QoQ Growth % | 1.16% | — | 3.37% | — | 9.37% | — | 5.15% | -3.85% | — | 10.65% | — | 1.38% | — | 9.73% | -3.40% | — | — | — |
| Pre-Provision Operating Profit | 548.06 | 1,710.12 | 514.60 | 1,195.52 | 439.80 | 755.72 | 395.24 | 360.48 | 1,689.25 | 359.76 | 1,329.49 | 359.17 | 970.32 | 460.80 | 509.52 | 1,917.11 | 1,455.53 | 592.42 |
| ↳ PPOP YoY Growth % | 52.04% | 1.24% | 43.04% | -10.08% | 22.45% | -22.12% | -14.23% | -29.25% | -11.89% | -30.62% | -4.94% | -21.46% | 3.09% | -4.67% | 11.28% | 31.71% | 145.69% | -26.80% |
| ↳ PPOP QoQ Growth % | 6.50% | — | 17.01% | — | 11.27% | — | 9.64% | 0.20% | — | 0.16% | — | -22.06% | — | -9.56% | -1.74% | — | — | — |
| Total Provisions | 127.32 | 799.09 | 143.85 | 655.24 | 195.34 | 459.90 | 234.96 | 224.94 | 747.66 | 264.50 | 483.16 | 222.80 | 260.36 | 150.51 | 109.85 | 214.94 | -11.70 | 1,142.47 |
| Exceptional Items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit Before Tax (PBT) | 420.74 | 911.03 | 370.75 | 540.28 | 244.46 | 295.82 | 160.28 | 135.54 | 941.59 | 95.26 | 846.33 | 136.37 | 709.96 | 310.29 | 399.67 | 1,702.17 | 1,467.23 | -550.05 |
| Income Tax | 104.20 | 218.40 | 88.78 | 129.62 | 58.74 | 70.88 | 38.56 | 32.32 | 215.47 | 11.87 | 203.60 | 27.75 | 175.85 | 77.26 | 98.59 | 420.67 | 367.31 | -135.77 |
| Net Profit / PAT | 316.54 | 692.63 | 281.97 | 410.66 | 185.72 | 224.94 | 121.72 | 103.22 | 726.12 | 83.39 | 642.73 | 108.62 | 534.11 | 233.03 | 301.08 | 1,281.50 | 1,099.92 | -414.28 |
| ↳ PAT YoY Growth % | 206.67% | -4.61% | 238.13% | -36.11% | 70.98% | -57.89% | -47.77% | -65.72% | -43.34% | -74.70% | -32.48% | -63.80% | -18.06% | -28.90% | -7.09% | 16.51% | — | — |
| ↳ PAT QoQ Growth % | 12.26% | — | 51.83% | — | 52.58% | — | 17.92% | 23.78% | — | -23.23% | — | -53.39% | — | -22.60% | -8.66% | — | — | — |
| BALANCE SHEET & BUSINESS (₹ Crores) | ||||||||||||||||||
| Total Assets | 60,658.00 | 57,541.21 | 57,541.21 | 52,298.85 | 52,298.85 | 9,613.93 | 9,613.93 | 49,110.51 | 47,689.15 | 47,689.15 | 45,225.63 | 45,225.63 | 43,618.66 | 43,618.66 | 42,049.99 | 40,422.22 | 33,316.88 | 23,604.46 |
| Networth | 7,144.26 | 6,815.68 | 6,815.68 | 6,518.54 | 6,518.54 | 6,323.20 | 6,323.20 | 6,191.03 | 6,083.41 | 6,083.41 | 5,995.53 | 5,995.53 | 5,881.80 | 5,881.80 | 5,926.85 | 5,613.00 | 4,135.56 | 2,560.43 |
| Equity Share Capital | 1,945.26 | 1,942.71 | 1,942.71 | 1,938.46 | 1,938.46 | 1,937.15 | 1,937.15 | 1,935.35 | 1,935.00 | 1,935.00 | 1,934.54 | 1,934.54 | 1,934.18 | 1,934.18 | 1,932.57 | 1,931.43 | 1,954.71 | 1,728.31 |
| Reserves | 5,189.50 | 4,872.96 | 4,872.96 | 4,807.88 | 4,807.88 | 4,622.16 | 4,622.16 | 4,251.63 | 4,148.41 | 4,148.41 | 4,501.28 | 4,501.28 | 4,392.66 | 4,392.66 | 3,910.82 | 3,609.74 | 2,180.85 | 832.12 |
| Gross Advances | 42,903.00 | 40,655.00 | 40,655.00 | 37,057.00 | 37,057.00 | 34,588.00 | 34,588.00 | 33,287.00 | 32,122.00 | 32,122.00 | 30,466.00 | 30,466.00 | 30,344.00 | 30,344.00 | 30,069.00 | 29,780.00 | 24,085.00 | 18,162.00 |
| ↳ Gross Advances YoY % | 28.89% | 26.56% | 26.56% | 21.63% | 21.63% | 13.99% | 13.99% | 10.70% | 7.86% | 7.86% | 9.82% | 9.82% | 14.19% | 14.19% | 18.73% | 23.65% | 32.61% | 19.96% |
| Net Advances | 41,980.00 | 39,760.55 | 39,760.55 | 36,228.00 | 36,228.00 | 33,969.89 | 33,808.00 | 32,501.00 | 31,390.00 | 31,390.00 | 29,819.71 | 29,621.00 | 29,758.12 | 29,179.25 | 29,483.00 | 26,882.92 | 21,289.66 | 16,977.52 |
| ↳ Net Advances YoY % | 29.17% | 26.67% | 26.67% | 21.49% | 22.31% | 14.15% | 15.86% | 10.24% | 16.77% | 16.77% | 9.57% | 15.62% | 14.41% | 19.96% | 19.16% | 26.27% | 25.40% | 17.13% |
| Total Deposits | 48,129.00 | 45,668.33 | 45,668.33 | 42,223.00 | 42,223.00 | 39,211.00 | 39,211.00 | 38,619.00 | 37,630.48 | 37,630.48 | 34,494.00 | 34,494.00 | 34,069.84 | 34,069.84 | 32,514.00 | 31,462.16 | 25,537.68 | 18,292.22 |
| ↳ Deposit YoY % | 24.63% | 21.36% | 21.36% | 22.41% | 22.41% | 15.09% | 15.09% | 18.78% | 19.61% | 19.61% | 16.26% | 16.26% | 16.92% | 16.92% | 21.96% | 23.20% | 39.61% | 39.26% |
| Savings Deposits | — | 0.00 | — | 0.00 | — | 0.00 | — | — | 0.00 | — | 0.00 | — | 0.00 | — | — | 0.00 | 0.00 | 0.00 |
| ↳ Savings YoY % | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Current Deposits | — | 0.00 | — | 0.00 | — | 0.00 | — | — | 0.00 | — | 0.00 | — | 0.00 | — | — | 0.00 | 0.00 | 0.00 |
| ↳ Current YoY % | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| CASA Deposits | 12,930.00 | 11,645.42 | 11,645.42 | 11,535.00 | 11,535.00 | 10,783.00 | 10,783.00 | 9,381.00 | 9,612.00 | 9,612.00 | 8,662.00 | 8,662.00 | 8,832.00 | 8,832.00 | 8,334.00 | 8,335.00 | 6,744.00 | 4,993.00 |
| ↳ CASA YoY % | 37.83% | 21.16% | 21.16% | 33.17% | 33.17% | 22.09% | 22.09% | 12.56% | 15.33% | 15.33% | 14.64% | 14.64% | 25.96% | 25.96% | 27.12% | 23.59% | 35.07% | 84.99% |
| EPS (₹) | 1.63 | 3.57 | 1.45 | 2.12 | 0.96 | 1.16 | 0.63 | 0.53 | 3.75 | 0.43 | 3.32 | 0.56 | 2.76 | 1.20 | 1.56 | 6.63 | 5.63 | -2.40 |
| KEY RATIOS | ||||||||||||||||||
| NIM % | 8.50% | 8.10% | 8.50% | 7.90% | 8.20% | 7.80% | 7.90% | 7.70% | 8.80% | 8.30% | 9.00% | 8.60% | 9.25% | 9.20% | 9.30% | 9.10% | 9.50% | 8.80% |
| Cost to Income % | 62.03% | 65.65% | 63.23% | 66.60% | 66.06% | 66.90% | 66.45% | 67.38% | 62.31% | 68.28% | 60.30% | 66.08% | 57.62% | 59.97% | 55.25% | 54.31% | 55.32% | 71.63% |
| GNPA % | 2.16% | 2.26% | 2.26% | 2.38% | 2.38% | 2.45% | 2.45% | 2.52% | 2.18% | 2.18% | 2.68% | 2.68% | 2.52% | 2.52% | 2.52% | 2.23% | 2.88% | 7.34% |
| NNPA % | 0.34% | 0.43% | 0.43% | 0.37% | 0.37% | 0.67% | 0.67% | 0.70% | 0.49% | 0.49% | 0.56% | 0.56% | 0.56% | 0.56% | 0.41% | 0.28% | 0.04% | 0.61% |
| PCR % | 84.66% | 81.41% | 81.41% | 76.34% | 76.34% | 73.31% | 73.31% | 72.90% | 78.10% | 78.10% | 79.67% | 79.67% | 78.12% | 78.12% | 84.05% | 87.54% | 98.57% | 92.24% |
| ROA % | 2.12% | 1.37% | 0.51% | 0.84% | 0.37% | 0.23% | 0.25% | 0.21% | 1.67% | 0.18% | 0.56% | 0.25% | 0.64% | 0.55% | 0.73% | 3.47% | 1.01% | -1.90% |
| ROE % | 18.20% | 10.90% | 17.20% | 8.70% | 11.50% | 7.20% | 7.70% | 6.70% | 12.40% | 5.60% | 14.60% | 8.80% | 18.30% | 15.70% | 20.90% | 26.10% | 31.40% | -13.80% |
| CASA Ratio % | 26.87% | 25.50% | 25.50% | 27.32% | 27.32% | 27.50% | 27.50% | 24.29% | 25.54% | 25.54% | 25.11% | 25.11% | 25.92% | 25.92% | 25.63% | 26.49% | 26.41% | 27.30% |
| CAR % | 20.36% | 21.14% | 21.14% | 21.62% | 21.62% | 21.36% | 21.36% | 22.77% | 23.10% | 23.10% | 23.90% | 23.90% | 23.38% | 23.38% | 24.85% | 24.69% | 25.81% | 18.99% |
| COST RATIOS AS % TO TOTAL INCOME | ||||||||||||||||||
| Interest / Disc. on Advances | 78.57% | 87.68% | 88.29% | 87.45% | 88.34% | 86.99% | 87.54% | 86.41% | 86.96% | 86.42% | 87.14% | 86.85% | 87.28% | 87.14% | 87.43% | 87.60% | 89.02% | 91.57% |
| Income on Investments | 9.74% | 11.98% | 11.50% | 12.16% | 11.38% | 12.57% | 12.07% | 13.09% | 12.68% | 13.26% | 12.49% | 12.70% | 12.39% | 12.46% | 12.30% | 11.95% | 9.86% | 6.58% |
| Interest on Bal with RBI | 0.39% | 0.23% | 0.13% | 0.27% | 0.18% | 0.32% | 0.27% | 0.37% | 0.17% | 0.16% | 0.18% | 0.28% | 0.12% | 0.16% | 0.09% | 0.19% | 0.43% | 1.84% |
| Others (Fund Income) | 0.08% | 0.11% | 0.09% | 0.12% | 0.10% | 0.13% | 0.12% | 0.13% | 0.19% | 0.16% | 0.20% | 0.17% | 0.21% | 0.23% | 0.18% | 0.26% | 0.68% | 0.00% |
| Other Income | 11.22% | 15.98% | 16.33% | 15.85% | 16.87% | 15.31% | 15.24% | 15.38% | 13.32% | 17.14% | 12.06% | 10.82% | 12.68% | 12.85% | 12.50% | 13.86% | 13.44% | 11.20% |
| Total Interest Expense | 36.72% | 44.15% | 41.82% | 45.02% | 42.89% | 46.15% | 45.21% | 47.13% | 42.78% | 45.07% | 42.02% | 44.27% | 40.90% | 41.48% | 40.31% | 39.94% | 35.22% | 36.95% |
| Net Interest Income | 52.06% | 55.85% | 58.18% | 54.98% | 57.11% | 53.85% | 54.79% | 52.87% | 57.22% | 54.93% | 57.98% | 55.73% | 59.10% | 58.52% | 59.69% | 60.06% | 64.78% | 63.05% |
| Employee Cost | 22.08% | 25.84% | 25.02% | 26.14% | 27.05% | 25.66% | 25.88% | 25.43% | 23.60% | 26.67% | 22.59% | 23.33% | 22.22% | 22.84% | 21.57% | 20.84% | 22.09% | 28.89% |
| Admin Expenses | 17.17% | 21.31% | 22.10% | 21.02% | 21.82% | 20.60% | 20.65% | 20.55% | 20.36% | 22.54% | 19.64% | 20.65% | 19.14% | 19.95% | 18.31% | 19.30% | 21.17% | 24.30% |
| Total Operating Expenses | 39.25% | 47.15% | 47.12% | 47.17% | 48.87% | 46.26% | 46.53% | 45.99% | 43.96% | 49.21% | 42.23% | 43.98% | 41.36% | 42.80% | 39.88% | 40.15% | 43.27% | 53.19% |
| PPOP | 24.03% | 24.67% | 27.40% | 23.66% | 25.10% | 22.89% | 23.49% | 22.27% | 26.58% | 22.87% | 27.81% | 22.57% | 30.42% | 28.57% | 32.31% | 33.77% | 34.95% | 21.06% |
| Provisions | 5.58% | 11.53% | 7.66% | 12.97% | 11.15% | 13.93% | 13.97% | 13.90% | 11.77% | 16.81% | 10.11% | 14.00% | 8.16% | 9.33% | 6.96% | 3.79% | -0.28% | 40.62% |
| PBT | 18.45% | 13.14% | 19.74% | 10.69% | 13.95% | 8.96% | 9.53% | 8.37% | 14.82% | 6.05% | 17.70% | 8.57% | 22.26% | 19.24% | 25.34% | 29.98% | 35.23% | -19.56% |
| Income Tax | 4.57% | 3.15% | 4.73% | 2.57% | 3.35% | 2.15% | 2.29% | 2.00% | 3.39% | 0.75% | 4.26% | 1.74% | 5.51% | 4.79% | 6.25% | 7.41% | 8.82% | -4.83% |
| PAT | 13.88% | 9.99% | 15.01% | 8.13% | 10.60% | 6.81% | 7.24% | 6.38% | 11.43% | 5.30% | 13.44% | 6.83% | 16.74% | 14.45% | 19.09% | 22.57% | 26.41% | -14.73% |
Net Profit (₹ Cr)
−₹1,151
FY26
NIM %
5.40%
FY26
GNPA %
7.71%
FY26
NNPA %
3.29%
FY26
ROE %
-42.10%
FY26
ROA %
-4.16%
FY26
| Particulars | Q1FY27 | FY26 | FY25 | FY24 | FY23 | FY22 | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Q1FY27 | FY26 | Q4FY26 | 9MFY26 | Q3FY26 | H1FY26 | Q2FY26 | Q1FY26 | FY25 | Q4FY25 | 9MFY25 | Q3FY25 | H1FY25 | Q2FY25 | Q1FY25 | FY24 | FY23 | FY22 | |
| INCOME STATEMENT (₹ Crores) | ||||||||||||||||||
| Interest / Disc. on Advances | 752.98 | 2,845.75 | 695.18 | 2,150.57 | 680.16 | 1,470.41 | 714.05 | 756.36 | 3,336.96 | 763.86 | 2,573.10 | 826.63 | 1,746.46 | 879.58 | 866.89 | 2,880.05 | 2,278.12 | 1,646.12 |
| Income on Investments | 115.52 | 401.68 | 119.46 | 282.22 | 114.23 | 167.99 | 86.98 | 81.01 | 278.01 | 78.41 | 199.60 | 70.48 | 129.12 | 68.43 | 60.69 | 209.32 | 150.54 | 154.92 |
| Interest on Bal with RBI & Others | 15.06 | 131.34 | 22.12 | 109.22 | 26.75 | 82.47 | 38.94 | 43.54 | 149.94 | 37.35 | 112.59 | 35.31 | 77.28 | 38.94 | 38.33 | 88.99 | 76.29 | 47.72 |
| Others | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Fund Based Income | 883.56 | 3,378.78 | 836.75 | 2,542.03 | 821.15 | 1,720.88 | 839.97 | 880.91 | 3,764.93 | 879.62 | 2,885.30 | 932.43 | 1,952.87 | 986.95 | 965.92 | 3,178.39 | 2,504.98 | 1,848.76 |
| ↳ YoY Growth % | 0.30% | -10.26% | -4.87% | -11.90% | -11.93% | -11.88% | -14.89% | -8.80% | 18.45% | -1.79% | 26.39% | 15.69% | 32.24% | 30.50% | 34.06% | 26.88% | 35.50% | 16.94% |
| ↳ QoQ Growth % | 5.59% | — | 1.90% | — | -2.24% | — | -4.65% | 0.15% | — | -5.66% | — | -5.52% | — | 2.18% | 7.85% | — | — | — |
| Other Income | 118.81 | 430.97 | 115.32 | 315.65 | 80.56 | 235.09 | 97.35 | 137.75 | 599.83 | 287.11 | 312.72 | 105.49 | 207.23 | 102.58 | 104.65 | 400.40 | 299.31 | 184.83 |
| Total Income | 1,002.37 | 3,809.75 | 952.07 | 2,857.68 | 901.71 | 1,955.97 | 937.32 | 1,018.65 | 4,364.76 | 1,166.73 | 3,198.03 | 1,037.92 | 2,160.10 | 1,089.54 | 1,070.57 | 3,578.79 | 2,804.29 | 2,033.59 |
| ↳ YoY Growth % | -1.60% | -12.72% | -18.40% | -10.64% | -13.12% | -9.45% | -13.97% | -4.85% | 21.96% | 14.80% | 24.80% | 16.80% | 29.05% | 26.48% | 31.77% | 27.62% | 37.90% | 19.22% |
| ↳ QoQ Growth % | 5.28% | — | 5.58% | — | -3.80% | — | -7.98% | -12.69% | — | 12.41% | — | -4.74% | — | 1.77% | 5.34% | — | — | — |
| Total Interest Expense | 461.49 | 1,902.04 | 460.65 | 1,441.39 | 472.80 | 968.59 | 489.50 | 479.09 | 1,742.06 | 468.22 | 1,273.85 | 452.31 | 821.54 | 428.79 | 392.75 | 1,292.60 | 975.95 | 787.96 |
| ↳ YoY Growth % | -3.67% | 9.18% | -1.62% | 13.15% | 4.53% | 17.90% | 14.16% | 21.98% | 34.77% | 31.64% | 35.96% | 39.74% | 33.96% | 36.21% | 31.59% | 32.45% | 23.86% | 6.23% |
| ↳ QoQ Growth % | 0.18% | — | -2.57% | — | -3.41% | — | 2.17% | 2.32% | — | 3.52% | — | 5.49% | — | 9.18% | 10.43% | — | — | — |
| Net Interest Income (NII) | 422.08 | 1,476.74 | 376.11 | 1,100.64 | 348.35 | 752.29 | 350.48 | 401.81 | 2,022.86 | 411.41 | 1,611.46 | 480.13 | 1,131.33 | 558.17 | 573.16 | 1,885.79 | 1,529.03 | 1,060.80 |
| ↳ NII YoY Growth % | 5.04% | -27.00% | -8.58% | -31.70% | -27.45% | -33.50% | -37.21% | -29.90% | 7.27% | -23.81% | 19.74% | -0.45% | 31.01% | 26.42% | 35.79% | 23.33% | 44.14% | 26.41% |
| ↳ NII QoQ Growth % | 12.22% | — | 7.97% | — | -0.61% | — | -12.77% | -2.33% | — | -14.31% | — | -13.98% | — | -2.62% | 6.15% | — | — | — |
| Employee Cost | 240.63 | 947.96 | 237.33 | 710.64 | 246.20 | 464.44 | 236.24 | 228.20 | 845.60 | 204.25 | 641.34 | 225.37 | 415.97 | 210.73 | 205.24 | 736.94 | 570.06 | 429.82 |
| Other Admin Expenses | 236.69 | 903.40 | 241.79 | 661.61 | 226.99 | 434.62 | 214.91 | 219.71 | 770.17 | 260.29 | 509.88 | 174.99 | 334.90 | 173.61 | 161.29 | 551.98 | 419.96 | 303.92 |
| Total Operating Expenses | 477.32 | 1,851.36 | 479.11 | 1,372.25 | 473.18 | 899.06 | 451.15 | 447.92 | 1,615.77 | 464.54 | 1,151.22 | 400.35 | 750.87 | 384.34 | 366.53 | 1,288.93 | 990.01 | 733.74 |
| ↳ YoY Growth % | 6.56% | 14.58% | 3.14% | 19.20% | 18.19% | 19.74% | 17.38% | 22.21% | 25.36% | 22.76% | 26.44% | 29.65% | 24.79% | 24.38% | 25.22% | 30.19% | 34.93% | 34.62% |
| ↳ QoQ Growth % | -0.37% | — | 1.25% | — | 4.88% | — | 0.72% | -3.58% | — | 16.03% | — | 4.17% | — | 4.86% | -3.14% | — | — | — |
| Pre-Provision Operating Profit | 63.57 | 56.35 | 12.31 | 44.04 | -44.28 | 88.32 | -3.32 | 91.64 | 1,006.93 | 233.98 | 772.96 | 185.26 | 587.69 | 276.41 | 311.28 | 997.26 | 838.32 | 511.89 |
| ↳ PPOP YoY Growth % | -30.63% | -94.40% | -94.74% | -94.30% | — | -84.97% | — | -70.56% | 0.97% | -17.09% | 8.10% | -27.67% | 28.07% | 16.30% | 40.70% | 18.96% | 63.77% | 22.17% |
| ↳ PPOP QoQ Growth % | 416.41% | — | — | — | — | — | — | -60.83% | — | 26.30% | — | -32.98% | — | -11.20% | 10.30% | — | — | — |
| Total Provisions | 108.98 | 1,562.96 | 244.39 | 1,318.57 | 446.41 | 872.16 | 461.65 | 410.51 | 979.28 | 222.70 | 756.59 | 423.20 | 333.38 | 208.34 | 125.04 | 337.88 | 302.51 | 397.53 |
| Exceptional Items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit Before Tax (PBT) | -45.41 | -1,506.61 | -232.08 | -1,274.53 | -490.69 | -783.84 | -464.97 | -318.87 | 27.65 | 11.28 | 16.37 | -237.94 | 254.31 | 68.07 | 186.24 | 659.38 | 535.81 | 114.36 |
| Income Tax | -11.49 | -355.64 | -44.07 | -311.57 | -115.67 | -195.90 | -116.51 | -79.39 | 3.95 | 8.31 | -4.36 | -69.89 | 65.53 | 16.68 | 48.84 | 161.75 | 131.31 | 52.94 |
| Net Profit / PAT | -33.92 | -1,150.98 | -188.02 | -962.96 | -375.02 | -587.95 | -348.46 | -239.48 | 23.70 | 2.97 | 20.73 | -168.05 | 188.79 | 51.39 | 137.40 | 497.63 | 404.50 | 61.42 |
| ↳ PAT YoY Growth % | — | — | — | — | — | — | — | — | -95.24% | -98.14% | -93.87% | — | -14.93% | -55.09% | 27.81% | 23.02% | 558.58% | -45.05% |
| ↳ PAT QoQ Growth % | — | — | — | — | — | — | — | — | — | — | — | — | — | -62.60% | -13.94% | — | — | — |
| BALANCE SHEET & BUSINESS (₹ Crores) | ||||||||||||||||||
| Total Assets | 28,418.00 | 28,869.07 | 28,869.07 | 28,279.60 | 28,279.60 | 27,384.10 | 27,384.10 | 27,794.46 | 28,127.44 | 28,127.44 | 26,606.60 | 26,606.60 | 26,306.33 | 26,306.33 | 24,891.32 | 23,902.68 | 19,117.29 | 15,063.77 |
| Networth | 2,202.88 | 2,247.18 | 2,247.18 | 2,433.41 | 2,433.41 | 1,981.54 | 1,981.54 | 2,466.48 | 2,775.84 | 2,775.84 | 2,727.02 | 2,727.02 | 2,891.61 | 2,891.61 | 2,722.20 | 2,722.25 | 1,844.82 | 1,420.76 |
| Equity Share Capital | 1,779.52 | 1,779.52 | 1,779.52 | 1,779.52 | 1,779.52 | 1,101.61 | 1,101.61 | 1,101.61 | 1,101.61 | 1,101.61 | 1,101.59 | 1,101.59 | 1,101.37 | 1,101.37 | 1,100.14 | 1,099.46 | 895.90 | 895.52 |
| Reserves | 962.16 | 996.08 | 996.08 | 1,036.48 | 1,036.48 | 1,411.49 | 1,411.49 | 1,633.41 | 1,872.89 | 1,872.89 | 1,243.68 | 1,243.68 | 1,411.73 | 1,411.73 | 2,011.13 | 1,873.73 | 1,104.42 | 676.77 |
| Gross Advances | 19,610.00 | 19,332.00 | 19,332.00 | 18,306.00 | 18,306.00 | 18,655.00 | 18,655.00 | 19,224.00 | 19,666.00 | 19,666.00 | 19,057.00 | 19,057.00 | 19,101.00 | 19,101.00 | 18,798.00 | 18,299.00 | 13,957.00 | 10,631.00 |
| ↳ Gross Advances YoY % | 2.01% | -1.70% | -1.70% | -3.94% | -3.94% | -2.33% | -2.33% | 2.27% | 7.43% | 7.43% | 16.15% | 16.15% | 28.26% | 28.26% | 30.60% | 31.11% | 31.29% | 26.32% |
| Net Advances | 18,478.00 | 18,069.59 | 18,069.59 | 16,742.00 | 16,742.00 | 16,897.48 | 16,897.48 | 17,925.00 | 18,716.48 | 18,716.48 | 18,528.00 | 18,528.00 | 18,131.69 | 18,131.69 | 16,834.00 | 16,364.81 | 13,068.77 | 10,228.15 |
| ↳ Net Advances YoY % | 3.09% | -3.46% | -3.46% | -9.64% | -9.64% | -6.81% | -6.81% | 6.48% | 14.37% | 14.37% | 23.64% | 23.64% | 28.78% | 28.78% | 24.58% | 25.22% | 27.77% | 24.48% |
| Total Deposits | 22,054.00 | 21,653.98 | 21,653.98 | 21,087.00 | 21,087.00 | 21,447.06 | 21,447.06 | 21,489.00 | 21,565.70 | 21,565.70 | 20,172.00 | 20,172.00 | 19,496.33 | 19,496.33 | 18,163.00 | 17,472.60 | 13,710.00 | 10,074.00 |
| ↳ Deposit YoY % | 2.63% | 0.41% | 0.41% | 4.54% | 4.54% | 10.01% | 10.01% | 18.31% | 23.43% | 23.43% | 33.49% | 33.49% | 39.61% | 39.61% | 30.04% | 27.44% | 36.09% | 34.18% |
| Savings Deposits | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| ↳ Savings YoY % | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Current Deposits | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| ↳ Current YoY % | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| CASA Deposits | 4,867.00 | 5,196.00 | 5,196.00 | 4,611.00 | 4,611.00 | 4,482.00 | 4,482.00 | 4,229.00 | 4,699.00 | 4,699.00 | 3,973.00 | 3,973.00 | 3,899.27 | 3,899.27 | 3,453.00 | 3,582.00 | 2,865.39 | 2,256.58 |
| ↳ CASA YoY % | 15.09% | 10.58% | 10.58% | 16.06% | 16.06% | 14.94% | 14.94% | 22.47% | 31.18% | 31.18% | 31.46% | 31.46% | 39.61% | 39.61% | 30.12% | 25.01% | 26.98% | 70.01% |
| EPS (₹) | -0.19 | -6.47 | -1.06 | -5.41 | -2.11 | -5.34 | -3.16 | -2.17 | 0.22 | 0.03 | 0.19 | -1.53 | 1.71 | 0.47 | 1.25 | 4.53 | 4.52 | 0.69 |
| KEY RATIOS | ||||||||||||||||||
| NIM % | 6.10% | 5.40% | 5.50% | 5.37% | 5.10% | 5.50% | 5.10% | 5.90% | 8.03% | 6.40% | 8.57% | 7.50% | 9.10% | 8.80% | 9.40% | 9.40% | 9.70% | 8.80% |
| Cost to Income % | 88.25% | 97.05% | 97.50% | 96.89% | 110.32% | 91.06% | 100.74% | 83.02% | 61.61% | 66.50% | 59.83% | 68.36% | 56.10% | 58.17% | 54.08% | 56.38% | 54.15% | 58.91% |
| GNPA % | 6.09% | 7.71% | 7.71% | 11.05% | 11.05% | 12.42% | 12.42% | 11.42% | 9.43% | 9.43% | 6.17% | 6.17% | 3.88% | 3.88% | 2.78% | 2.51% | 3.23% | 6.10% |
| NNPA % | 2.86% | 3.29% | 3.29% | 4.48% | 4.48% | 5.02% | 5.02% | 5.00% | 4.84% | 4.84% | 2.50% | 2.50% | 0.89% | 0.89% | 0.26% | 0.03% | 0.39% | 2.31% |
| PCR % | 54.55% | 59.31% | 59.31% | 62.19% | 62.19% | 62.75% | 62.75% | 59.15% | 51.18% | 51.18% | 61.11% | 61.11% | 77.74% | 77.74% | 90.99% | 98.92% | 88.19% | 63.58% |
| ROA % | -0.48% | -4.16% | -2.68% | -4.68% | -5.44% | -4.30% | -5.12% | -3.48% | 0.09% | 0.04% | 0.69% | -2.56% | 2.31% | 2.32% | 2.30% | 2.46% | 2.42% | 0.48% |
| ROE % | -5.00% | -42.10% | -26.80% | -47.93% | -55.90% | -43.95% | -54.10% | -33.80% | 0.80% | 0.40% | 0.97% | -21.80% | 12.30% | 6.60% | 18.10% | 19.50% | 22.84% | 4.14% |
| CASA Ratio % | 22.07% | 24.00% | 24.00% | 20.11% | 20.11% | 20.90% | 20.90% | 19.70% | 21.79% | 21.79% | 19.70% | 19.70% | 20.00% | 20.00% | 19.00% | 20.50% | 20.90% | 22.40% |
| CAR % | 17.44% | 17.71% | 17.71% | 20.11% | 20.11% | 17.21% | 17.21% | 19.60% | 20.93% | 20.93% | 21.10% | 21.10% | 22.43% | 22.43% | 23.18% | 22.57% | 20.64% | 21.59% |
| COST RATIOS AS % TO TOTAL INCOME | ||||||||||||||||||
| Interest / Disc. on Advances | 75.12% | 74.70% | 73.02% | 75.26% | 75.43% | 75.18% | 76.18% | 74.25% | 76.45% | 65.47% | 80.46% | 79.64% | 80.85% | 80.73% | 80.97% | 80.48% | 81.24% | 80.95% |
| Income on Investments | 11.52% | 10.54% | 12.55% | 9.88% | 12.67% | 8.59% | 9.28% | 7.95% | 6.37% | 6.72% | 6.24% | 6.79% | 5.98% | 6.28% | 5.67% | 5.85% | 5.37% | 7.62% |
| Interest on Bal with RBI | 1.50% | 3.45% | 2.32% | 3.82% | 2.97% | 4.22% | 4.15% | 4.27% | 3.44% | 3.20% | 3.52% | 3.40% | 3.58% | 3.57% | 3.58% | 2.49% | 2.72% | 2.35% |
| Others (Fund Income) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Other Income | 11.85% | 11.31% | 12.11% | 11.05% | 8.93% | 12.02% | 10.39% | 13.52% | 13.74% | 24.61% | 9.78% | 10.16% | 9.59% | 9.41% | 9.78% | 11.19% | 10.67% | 9.09% |
| Total Interest Expense | 46.04% | 49.93% | 48.38% | 50.44% | 52.43% | 49.52% | 52.22% | 47.03% | 39.91% | 40.13% | 39.83% | 43.58% | 38.03% | 39.35% | 36.69% | 36.12% | 34.80% | 38.75% |
| Net Interest Income | 42.11% | 38.76% | 39.50% | 38.52% | 38.63% | 38.46% | 37.39% | 39.45% | 46.35% | 35.26% | 50.39% | 46.26% | 52.37% | 51.23% | 53.54% | 52.69% | 54.52% | 52.16% |
| Employee Cost | 24.01% | 24.88% | 24.93% | 24.87% | 27.30% | 23.74% | 25.20% | 22.40% | 19.37% | 17.51% | 20.05% | 21.71% | 19.26% | 19.34% | 19.17% | 20.59% | 20.33% | 21.14% |
| Admin Expenses | 23.61% | 23.71% | 25.40% | 23.15% | 25.17% | 22.22% | 22.93% | 21.57% | 17.65% | 22.31% | 15.94% | 16.86% | 15.50% | 15.93% | 15.07% | 15.42% | 14.98% | 14.94% |
| Total Operating Expenses | 47.62% | 48.60% | 50.32% | 48.02% | 52.48% | 45.97% | 48.13% | 43.97% | 37.02% | 39.82% | 36.00% | 38.57% | 34.76% | 35.28% | 34.24% | 36.02% | 35.30% | 36.08% |
| PPOP | 6.34% | 1.48% | 1.29% | 1.54% | -4.91% | 4.52% | -0.35% | 9.00% | 23.07% | 20.05% | 24.17% | 17.85% | 27.21% | 25.37% | 29.08% | 27.87% | 29.89% | 25.17% |
| Provisions | 10.87% | 41.03% | 25.67% | 46.14% | 49.51% | 44.59% | 49.25% | 40.30% | 22.44% | 19.09% | 23.66% | 40.77% | 15.43% | 19.12% | 11.68% | 9.44% | 10.79% | 19.55% |
| PBT | -4.53% | -39.55% | -24.38% | -44.60% | -54.42% | -40.07% | -49.61% | -31.30% | 0.63% | 0.97% | 0.51% | -22.92% | 11.77% | 6.25% | 17.40% | 18.42% | 19.11% | 5.62% |
| Income Tax | -1.15% | -9.33% | -4.63% | -10.90% | -12.83% | -10.02% | -12.43% | -7.79% | 0.09% | 0.71% | -0.14% | -6.73% | 3.03% | 1.53% | 4.56% | 4.52% | 4.68% | 2.60% |
| PAT | -3.38% | -30.21% | -19.75% | -33.70% | -41.59% | -30.06% | -37.18% | -23.51% | 0.54% | 0.25% | 0.65% | -16.19% | 8.74% | 4.72% | 12.83% | 13.90% | 14.42% | 3.02% |
Net Profit (₹ Cr)
₹152
FY26
NIM %
7.30%
FY26
GNPA %
6.55%
FY26
NNPA %
4.21%
FY26
ROE %
7.60%
FY26
ROA %
0.89%
FY26
| Particulars | Q1FY27 | FY26 | FY25 | FY24 | FY23 | FY22 | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Q1FY27 | FY26 | Q4FY26 | 9MFY26 | Q3FY26 | H1FY26 | Q2FY26 | Q1FY26 | FY25 | Q4FY25 | 9MFY25 | Q3FY25 | H1FY25 | Q2FY25 | Q1FY25 | FY24 | FY23 | FY22 | |
| INCOME STATEMENT (₹ Crores) | ||||||||||||||||||
| Interest / Disc. on Advances | 543.16 | 1,893.61 | 527.21 | 1,366.40 | 477.10 | 889.30 | 455.45 | 433.85 | 1,730.83 | 416.36 | 1,314.47 | 430.04 | 884.43 | 450.51 | 433.92 | 1,394.58 | 1,024.93 | 817.34 |
| Income on Investments | 63.19 | 214.27 | 57.57 | 156.70 | 51.76 | 104.94 | 53.82 | 51.12 | 198.62 | 48.27 | 150.35 | 52.21 | 98.14 | 49.11 | 49.03 | 183.22 | 149.73 | 111.66 |
| Interest on Bal with RBI & Others | 14.96 | 47.71 | 15.03 | 32.68 | 12.53 | 20.15 | 9.95 | 10.20 | 24.30 | 5.95 | 18.35 | 5.60 | 12.75 | 7.58 | 5.17 | 10.90 | 8.98 | 12.67 |
| Others | 1.05 | 4.70 | 1.78 | 2.92 | 2.48 | 0.44 | 0.44 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.04 | 0.15 |
| Total Fund Based Income | 622.36 | 2,160.29 | 601.59 | 1,558.70 | 543.87 | 1,014.83 | 519.66 | 495.17 | 1,953.75 | 470.58 | 1,483.17 | 487.85 | 995.32 | 507.20 | 488.12 | 1,588.70 | 1,183.68 | 941.82 |
| ↳ YoY Growth % | 25.69% | 10.57% | 27.84% | 5.09% | 11.48% | 1.96% | 2.46% | 1.50% | 22.98% | 5.83% | 29.64% | 18.78% | 35.73% | 35.17% | 36.31% | 34.22% | 25.68% | 21.35% |
| ↳ QoQ Growth % | 3.45% | — | 10.61% | — | 4.66% | — | 4.95% | 5.23% | — | -3.54% | — | -3.82% | — | 3.97% | 9.77% | — | — | — |
| Other Income | 147.88 | 359.67 | 90.30 | 269.37 | 80.88 | 188.49 | 79.84 | 108.65 | 217.25 | 60.10 | 157.15 | 39.55 | 117.60 | 47.45 | 70.15 | 219.39 | 97.43 | 94.34 |
| Total Income | 770.24 | 2,519.96 | 691.89 | 1,828.07 | 624.75 | 1,203.32 | 599.50 | 603.82 | 2,171.00 | 530.68 | 1,640.32 | 527.40 | 1,112.92 | 554.65 | 558.27 | 1,808.09 | 1,281.11 | 1,036.16 |
| ↳ YoY Growth % | 27.56% | 16.07% | 30.38% | 11.45% | 18.46% | 8.12% | 8.09% | 8.16% | 20.07% | 4.20% | 26.30% | 14.00% | 33.10% | 29.90% | 36.50% | 41.13% | 23.64% | 18.30% |
| ↳ QoQ Growth % | 11.32% | — | 10.75% | — | 4.21% | — | -0.72% | 13.78% | — | 0.62% | — | -4.91% | — | -0.65% | 9.60% | — | — | — |
| Total Interest Expense | 306.63 | 1,061.58 | 285.04 | 776.54 | 267.06 | 509.48 | 261.45 | 248.03 | 847.61 | 225.92 | 621.69 | 219.58 | 402.11 | 207.22 | 194.89 | 626.47 | 437.11 | 357.37 |
| ↳ YoY Growth % | 23.63% | 25.24% | 26.17% | 24.91% | 21.62% | 26.70% | 26.17% | 27.27% | 35.30% | 29.93% | 37.36% | 33.06% | 39.83% | 34.40% | 46.11% | 43.32% | 22.31% | -2.27% |
| ↳ QoQ Growth % | 7.57% | — | 6.73% | — | 2.15% | — | 5.41% | 9.79% | — | 2.89% | — | 5.96% | — | 6.33% | 12.08% | — | — | — |
| Net Interest Income (NII) | 315.73 | 1,098.71 | 316.55 | 782.16 | 276.81 | 505.35 | 258.21 | 247.14 | 1,106.14 | 244.66 | 861.48 | 268.27 | 593.21 | 299.98 | 293.23 | 962.23 | 746.57 | 584.45 |
| ↳ NII YoY Growth % | 27.75% | -0.67% | 29.38% | -9.21% | 3.18% | -14.81% | -13.92% | -15.72% | 14.96% | -9.65% | 24.59% | 9.19% | 33.08% | 35.70% | 30.50% | 28.89% | 27.74% | 42.38% |
| ↳ NII QoQ Growth % | -0.26% | — | 14.36% | — | 7.20% | — | 4.48% | 1.01% | — | -8.80% | — | -10.57% | — | 2.30% | 8.29% | — | — | — |
| Employee Cost | 136.76 | 512.49 | 142.82 | 369.67 | 127.90 | 241.77 | 126.43 | 115.34 | 444.23 | 115.77 | 328.46 | 105.06 | 223.40 | 109.78 | 113.62 | 360.82 | 242.37 | 228.17 |
| Other Admin Expenses | 188.27 | 561.84 | 157.06 | 404.78 | 140.78 | 264.00 | 132.47 | 131.53 | 489.96 | 142.35 | 347.61 | 131.40 | 216.21 | 110.73 | 105.48 | 366.89 | 264.16 | 184.94 |
| Total Operating Expenses | 325.03 | 1,074.33 | 299.88 | 774.45 | 268.68 | 505.77 | 258.90 | 246.87 | 934.19 | 258.12 | 676.07 | 236.46 | 439.61 | 220.51 | 219.10 | 727.71 | 506.53 | 413.11 |
| ↳ YoY Growth % | 31.66% | 15.00% | 16.18% | 14.55% | 13.63% | 15.05% | 17.41% | 12.67% | 28.37% | 24.60% | 29.90% | 28.90% | 30.40% | 23.60% | 38.10% | 43.67% | 22.61% | 25.70% |
| ↳ QoQ Growth % | 8.39% | — | 11.61% | — | 3.78% | — | 4.87% | -4.36% | — | 9.16% | — | 7.23% | — | 0.64% | 5.80% | — | — | — |
| Pre-Provision Operating Profit | 138.58 | 384.05 | 106.97 | 277.08 | 89.01 | 188.07 | 79.15 | 108.92 | 389.20 | 46.64 | 342.56 | 71.36 | 271.20 | 126.92 | 144.28 | 453.91 | 337.47 | 265.68 |
| ↳ PPOP YoY Growth % | 27.23% | -1.32% | 129.35% | -19.11% | 24.73% | -30.65% | -37.64% | -24.51% | -14.26% | -63.66% | 5.22% | -37.49% | 28.28% | 34.52% | 23.24% | 34.50% | 27.02% | 46.51% |
| ↳ PPOP QoQ Growth % | 29.55% | — | 20.18% | — | 12.46% | — | -27.33% | 133.53% | — | -34.64% | — | -43.78% | — | -12.03% | 12.43% | — | — | — |
| Total Provisions | 36.66 | 184.48 | 41.32 | 143.16 | 41.22 | 101.94 | 39.85 | 62.09 | 245.37 | 93.42 | 151.95 | 33.62 | 118.33 | 66.77 | 51.56 | 166.34 | 236.60 | 392.75 |
| Exceptional Items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit Before Tax (PBT) | 101.92 | 199.57 | 65.65 | 133.92 | 47.79 | 86.13 | 39.30 | 46.83 | 143.83 | -46.78 | 190.61 | 37.74 | 152.87 | 60.15 | 92.72 | 287.57 | 100.87 | -127.07 |
| Income Tax | 26.72 | 47.60 | 15.93 | 31.67 | 11.23 | 20.44 | 8.89 | 11.55 | 28.86 | -13.00 | 41.86 | 4.44 | 37.42 | 14.76 | 22.66 | 71.61 | 23.16 | -34.03 |
| Net Profit / PAT | 75.20 | 151.97 | 49.72 | 102.25 | 36.56 | 65.69 | 30.41 | 35.28 | 114.97 | -33.78 | 148.75 | 33.30 | 115.45 | 45.39 | 70.06 | 215.96 | 77.71 | -93.04 |
| ↳ PAT YoY Growth % | 113.15% | 32.18% | — | -31.26% | 9.79% | -43.10% | -33.00% | -49.64% | -46.76% | — | -4.11% | -41.80% | 17.93% | -9.76% | 47.18% | 177.91% | — | — |
| ↳ PAT QoQ Growth % | 51.25% | — | 36.00% | — | 20.22% | — | -13.80% | — | — | — | — | -26.64% | — | -35.21% | 15.15% | — | — | — |
| BALANCE SHEET & BUSINESS (₹ Crores) | ||||||||||||||||||
| Total Assets | 20,203.89 | 19,883.96 | 19,883.96 | 17,039.20 | 17,039.20 | 16,604.23 | 16,604.23 | 16,058.55 | 15,614.39 | 15,614.39 | 13,926.44 | 13,926.44 | 13,499.71 | 13,499.71 | 12,744.41 | 12,377.69 | 9,861.22 | 8,180.19 |
| Networth | 2,137.29 | 2,054.73 | 2,054.73 | 1,980.74 | 1,980.74 | 1,929.87 | 1,929.87 | 1,934.96 | 1,900.14 | 1,900.14 | 1,908.72 | 1,908.72 | 1,894.96 | 1,894.96 | 1,853.35 | 1,780.91 | 1,429.17 | 1,451.56 |
| Equity Share Capital | 106.29 | 106.29 | 106.29 | 106.29 | 106.29 | 106.29 | 106.29 | 106.28 | 106.28 | 106.28 | 106.28 | 106.28 | 106.25 | 106.25 | 106.24 | 106.20 | 106.16 | 106.16 |
| Reserves | 2,047.23 | 1,972.03 | 1,972.03 | 1,923.06 | 1,923.06 | 1,886.50 | 1,886.50 | 1,856.09 | 1,820.81 | 1,820.81 | 1,847.51 | 1,847.51 | 1,814.21 | 1,814.21 | 1,768.82 | 1,698.76 | 1,478.57 | 1,390.96 |
| Gross Advances | 14,115.70 | 13,261.00 | 13,261.00 | 11,810.05 | 11,885.00 | 11,049.43 | 11,124.00 | 10,845.65 | 10,251.17 | 10,251.17 | 9,563.23 | 9,563.23 | 9,009.81 | 9,009.81 | 8,486.98 | 8,250.47 | 6,113.48 | 5,064.93 |
| ↳ Gross Advances YoY % | 30.15% | 29.36% | 29.36% | 23.49% | 24.28% | 22.64% | 23.47% | 27.79% | 24.25% | 24.25% | 31.01% | 31.01% | 32.09% | 32.09% | 35.33% | 34.96% | 20.70% | 20.93% |
| Net Advances | 13,354.10 | 12,878.76 | 12,878.76 | 11,520.76 | 11,520.76 | 10,805.10 | 10,805.10 | 10,521.17 | 9,974.35 | 9,974.35 | 9,326.60 | 9,326.60 | 8,806.98 | 8,806.98 | 8,284.90 | 8,077.97 | 6,015.05 | 4,750.88 |
| ↳ Net Advances YoY % | 26.93% | 29.12% | 29.12% | 23.53% | 23.53% | 22.69% | 22.69% | 26.99% | 23.48% | 23.48% | 29.92% | 29.92% | 31.04% | 31.04% | 34.03% | 34.30% | 26.61% | 19.29% |
| Total Deposits | 14,633.60 | 13,994.04 | 13,994.04 | 12,864.85 | 12,864.85 | 11,991.00 | 11,991.00 | 11,312.21 | 10,579.61 | 10,579.61 | 9,707.56 | 9,707.56 | 8,850.77 | 8,850.77 | 8,137.34 | 7,777.27 | 5,166.72 | 3,853.88 |
| ↳ Deposit YoY % | 29.36% | 32.27% | 32.27% | 32.52% | 32.52% | 35.48% | 35.48% | 39.02% | 36.03% | 36.03% | 49.71% | 49.71% | 38.54% | 38.54% | 42.22% | 50.53% | 34.07% | 18.37% |
| Savings Deposits | — | — | — | — | — | — | — | — | 1,379.60 | — | — | — | — | — | — | 919.23 | 692.50 | 628.30 |
| ↳ Savings YoY % | — | — | — | — | — | — | — | — | 50.08% | — | — | — | — | — | — | 32.74% | 10.22% | 58.90% |
| Current Deposits | — | — | — | — | — | — | — | — | 832.10 | — | — | — | — | — | — | 646.53 | 191.60 | 95.60 |
| ↳ Current YoY % | — | — | — | — | — | — | — | — | 28.70% | — | — | — | — | — | — | 237.44% | 100.42% | -10.99% |
| CASA Deposits | 3,072.00 | 3,162.00 | 3,162.00 | 2,732.00 | 2,732.00 | 2,477.00 | 2,477.00 | 2,006.00 | 2,212.00 | 2,212.00 | 1,893.00 | 1,893.00 | 1,581.00 | 1,581.00 | 1,439.00 | 1,566.00 | 884.10 | 723.90 |
| ↳ CASA YoY % | 53.14% | 42.95% | 42.95% | 44.32% | 44.32% | 56.67% | 56.67% | 39.40% | 41.25% | 41.25% | 57.88% | 57.88% | 57.47% | 57.47% | 68.50% | 77.13% | 22.13% | 43.97% |
| EPS (₹) | 7.07 | 14.30 | 4.68 | 9.62 | 3.44 | 6.18 | 2.86 | 3.32 | 10.82 | -3.18 | 14.00 | 3.13 | 10.87 | 4.27 | 6.59 | 20.34 | 7.32 | -8.76 |
| KEY RATIOS | ||||||||||||||||||
| NIM % | 7.20% | 7.30% | 7.90% | 7.13% | 7.30% | 7.05% | 6.90% | 7.20% | 9.00% | 7.80% | 9.40% | 8.40% | 9.85% | 9.70% | 10.00% | 9.80% | 9.50% | 8.60% |
| Cost to Income % | 70.11% | 73.67% | 73.71% | 73.65% | 75.12% | 72.89% | 76.59% | 69.39% | 70.59% | 84.70% | 66.37% | 76.82% | 61.85% | 63.47% | 60.30% | 61.59% | 60.02% | 60.86% |
| GNPA % | 6.60% | 6.55% | 6.55% | 6.69% | 6.69% | 5.93% | 5.93% | 8.46% | 7.16% | 7.16% | 5.53% | 5.53% | 3.03% | 3.03% | 2.84% | 2.94% | 3.13% | 11.80% |
| NNPA % | 1.27% | 4.21% | 4.21% | 4.35% | 4.35% | 3.80% | 3.80% | 5.64% | 4.58% | 4.58% | 3.13% | 3.13% | 0.80% | 0.80% | 0.47% | 0.86% | 1.55% | 5.97% |
| PCR % | 81.79% | 37.30% | 37.30% | 36.60% | 36.60% | 37.30% | 37.30% | 35.36% | 37.72% | 37.72% | 44.74% | 44.74% | 74.29% | 74.29% | 83.85% | 71.17% | 51.43% | 52.57% |
| ROA % | 1.52% | 0.89% | 1.08% | 0.84% | 0.88% | 0.82% | 0.76% | 0.88% | 0.84% | -0.92% | 1.41% | 0.96% | 1.80% | 1.40% | 1.88% | 1.94% | 0.87% | -1.29% |
| ROE % | 15.50% | 7.59% | — | — | — | — | — | — | 6.16% | — | — | — | — | — | — | 12.74% | 5.04% | -6.01% |
| CASA Ratio % | 20.99% | 22.60% | 22.60% | 21.24% | 21.24% | 20.66% | 20.66% | 17.73% | 20.91% | 20.91% | 19.50% | 19.50% | 17.86% | 17.86% | 17.68% | 20.14% | 17.11% | 18.78% |
| CAR % | 20.03% | 20.45% | 20.45% | 21.94% | 21.94% | 23.41% | 23.41% | 24.61% | 25.83% | 25.83% | 26.92% | 26.92% | 24.95% | 24.95% | 27.27% | 28.41% | 33.72% | 37.86% |
| COST RATIOS AS % TO TOTAL INCOME | ||||||||||||||||||
| Interest / Disc. on Advances | 70.52% | 87.66% | 87.64% | 87.66% | 87.72% | 87.63% | 87.64% | 87.62% | 88.59% | 88.48% | 88.63% | 88.15% | 88.86% | 88.82% | 88.90% | 87.78% | 86.59% | 86.78% |
| Income on Investments | 8.20% | 9.92% | 9.57% | 10.05% | 9.52% | 10.34% | 10.36% | 10.32% | 10.17% | 10.26% | 10.14% | 10.70% | 9.86% | 9.68% | 10.04% | 11.53% | 12.65% | 11.86% |
| Interest on Bal with RBI | 1.94% | 2.21% | 2.50% | 2.10% | 2.30% | 1.99% | 1.91% | 2.06% | 1.24% | 1.26% | 1.24% | 1.15% | 1.28% | 1.49% | 1.06% | 0.69% | 0.76% | 1.35% |
| Others (Fund Income) | 0.14% | 0.22% | 0.30% | 0.19% | 0.46% | 0.04% | 0.08% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% |
| Other Income | 19.20% | 16.65% | 15.01% | 17.28% | 14.87% | 18.57% | 15.36% | 21.94% | 11.12% | 12.77% | 10.60% | 8.11% | 11.82% | 9.36% | 14.37% | 13.81% | 8.23% | 10.02% |
| Total Interest Expense | 39.81% | 49.14% | 47.38% | 49.82% | 49.10% | 50.20% | 50.31% | 50.09% | 43.38% | 48.01% | 41.92% | 45.01% | 40.40% | 40.86% | 39.93% | 39.43% | 36.93% | 37.94% |
| Net Interest Income | 40.99% | 50.86% | 52.62% | 50.18% | 50.90% | 49.80% | 49.69% | 49.91% | 56.62% | 51.99% | 58.08% | 54.99% | 59.60% | 59.14% | 60.07% | 60.57% | 63.07% | 62.06% |
| Employee Cost | 17.76% | 23.72% | 23.74% | 23.72% | 23.52% | 23.82% | 24.33% | 23.29% | 22.74% | 24.60% | 22.15% | 21.54% | 22.45% | 21.64% | 23.28% | 22.71% | 20.48% | 24.23% |
| Admin Expenses | 24.44% | 26.01% | 26.11% | 25.97% | 25.88% | 26.01% | 25.49% | 26.56% | 25.08% | 30.25% | 23.44% | 26.93% | 21.72% | 21.83% | 21.61% | 23.09% | 22.32% | 19.64% |
| Total Operating Expenses | 42.20% | 49.73% | 49.85% | 49.69% | 49.40% | 49.84% | 49.82% | 49.86% | 47.82% | 54.85% | 45.58% | 48.47% | 44.17% | 43.48% | 44.89% | 45.81% | 42.79% | 43.86% |
| PPOP | 17.99% | 17.78% | 17.78% | 17.78% | 16.37% | 18.53% | 15.23% | 22.00% | 19.92% | 9.91% | 23.10% | 14.63% | 27.25% | 25.02% | 29.56% | 28.57% | 28.51% | 28.21% |
| Provisions | 4.76% | 8.54% | 6.87% | 9.18% | 7.58% | 10.05% | 7.67% | 12.54% | 12.56% | 19.85% | 10.24% | 6.89% | 11.89% | 13.16% | 10.56% | 10.47% | 19.99% | 41.70% |
| PBT | 13.23% | 9.24% | 10.91% | 8.59% | 8.79% | 8.49% | 7.56% | 9.46% | 7.36% | -9.94% | 12.85% | 7.74% | 15.36% | 11.86% | 19.00% | 18.10% | 8.52% | -13.49% |
| Income Tax | 3.47% | 2.20% | 2.65% | 2.03% | 2.06% | 2.01% | 1.71% | 2.33% | 1.48% | -2.76% | 2.82% | 0.91% | 3.76% | 2.91% | 4.64% | 4.51% | 1.96% | -3.61% |
| PAT | 9.76% | 7.03% | 8.26% | 6.56% | 6.72% | 6.47% | 5.85% | 7.12% | 5.88% | -7.18% | 10.03% | 6.83% | 11.60% | 8.95% | 14.35% | 13.59% | 6.57% | -9.88% |
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