Bandhan Bank Update10% Growth in Loans, Retail Deposits Rise 17% in Q3 FY26
Mumbai, January 4, 2026: Bandhan Bank Limited has reported a steady business performance for the quarter ended December 31, 2025, with healthy growth in loans and retail deposits even as its low-cost CASA deposits witnessed some moderation. As per the regulatory disclosure filed with the stock exchanges, the bank’s total loans and advances stood at ₹1.45 lakh crore, registering a year-on-year growth of 10 percent and a quarter-on-quarter increase of 3.7 percent.
The bank’s total deposits grew 11.1 percent year-on-year to ₹1.57 lakh crore, although they declined marginally by 0.9 percent compared to the previous quarter. Retail deposits, including CASA, increased by 17.2 percent to ₹1.13 lakh crore, reflecting strong traction among retail customers. Within this, retail term deposits recorded an impressive growth of 35.8 percent year-on-year and 4.1 percent sequentially, reaching ₹70,690 crore. However, CASA deposits declined by 4.5 percent on an annual basis and 3.3 percent on a quarterly basis to ₹42,730 crore, resulting in the CASA ratio softening to 27.26 percent from 31.73 percent a year earlier.
The bank’s funding profile continued to improve with the share of retail deposits rising to 72.37 percent of total deposits, while the proportion of bulk deposits fell to 37.99 percent. Bulk deposits declined 2 percent year-on-year and 5.8 percent quarter-on-quarter to ₹43,303 crore, indicating a deliberate shift towards a more stable retail deposit base.
On the liquidity front, Bandhan Bank maintained a strong Liquidity Coverage Ratio of 149.14 percent as of December 31, 2025, comfortably above regulatory requirements. The bank’s collection efficiency also showed improvement, with pan-bank collection efficiency rising to 98.1 percent in December from 97.8 percent in September. Collection efficiency in the EEB segment stood at 98 percent, while the non-EEB segment recorded 98.3 percent, highlighting sustained asset quality discipline.
The bank clarified that the financial figures disclosed are provisional and unaudited, and remain subject to review by the Audit Committee, the Board of Directors, and the statutory auditors.