Bandhan Bank Q2 FY27 results: what the bank reported
Bandhan Bank Limited filed its unaudited results for the quarter ended 30 September 2026 (July to September 2026, called Q2 FY27) with NSE on 28 October 2026, the day its board approved them, along with a press release.
Published 6 November 2026 · Potoos Research Services
In short. For July to September 2026, Bandhan Bank reported a net profit of Rs 62,175.05 lakh (about Rs 622 crore), up 455.8% from Rs 11,187.14 lakh (about Rs 112 crore) a year earlier. Its gross NPA ratio was 3.11%, against 5.02% a year earlier.
The quarter in numbers
All figures are in Rs lakh, as printed in the bank's results statement. One hundred lakh make one crore. For a bank, the main income line is interest earned, the interest it collects on loans and investments. The bank has no subsidiary, associate or joint venture, so it files only its own (standalone) results; there are no consolidated figures. The change column is worked out by us.
| Item | Jul to Sep 2026 | Jul to Sep 2025 | Change |
|---|---|---|---|
| Interest earned | 5,75,355.86 | 5,35,383.12 | +7.5% |
| Total income (interest earned plus other income) | 6,45,842.04 | 5,90,027.22 | +9.5% |
| Operating profit before provisions and contingencies | 1,55,640.54 | 1,31,035.48 | +18.8% |
| Provisions (other than tax) and contingencies | 71,753.75 | 1,15,256.37 | −37.7% |
| Net profit for the period | 62,175.05 | 11,187.14 | +455.8% |
| Basic EPS (Rs) | 3.86 | 0.69 | +459.4% |
EPS is for the quarter, not annualised, as the filing states. There were no exceptional or extraordinary items in either quarter. Provisions are money a bank sets aside for loans that may not be repaid.
The first half: April to September
| Item | Apr to Sep 2026 | Apr to Sep 2025 | Change |
|---|---|---|---|
| Interest earned | 11,38,411.06 | 10,82,944.17 | +5.1% |
| Total income | 12,69,280.08 | 12,10,176.27 | +4.9% |
| Operating profit before provisions and contingencies | 2,91,450.90 | 2,97,875.45 | −2.2% |
| Provisions (other than tax) and contingencies | 1,40,012.36 | 2,29,946.90 | −39.1% |
| Net profit for the period | 1,12,341.92 | 48,383.34 | +132.2% |
| Basic EPS (Rs) | 6.97 | 3.00 | +132.3% |
Note 12 of the results says the bank revised its salary structure after the new Labour Codes and booked an additional gratuity cost of Rs 6,082.72 lakh in employee cost for the quarter ended 30 June 2026. That cost is inside the half-year figures, not the July to September quarter.
Bad loans and capital
These lines are as at the last day of the quarter. For the ratio lines, the change is shown in percentage points.
| Item | 30 Sep 2026 | 30 Sep 2025 | Change |
|---|---|---|---|
| Gross NPAs (Rs lakh) | 4,91,903.38 | 7,01,513.10 | −29.9% |
| Net NPAs (Rs lakh) | 1,41,652.12 | 1,84,354.91 | −23.2% |
| Gross NPAs, % of gross advances | 3.11% | 5.02% | −1.91 points |
| Net NPAs, % of net advances | 0.92% | 1.37% | −0.45 points |
| Capital adequacy ratio | 18.32% | 18.23% | +0.09 points |
A lower NPA ratio means a smaller share of loans has stopped being repaid. Note 10 says the bank included the profit for the quarter and half year when it worked out its capital adequacy ratio, in line with an RBI direction dated 8 May 2026.
What the bank said
These are the bank's own words, from the press release it filed with NSE on 28 October 2026 and also published on its website.
“Bandhan Bank Q2 FY27 PAT at Rs.622 cr, delivers 5-fold growth”
Bandhan Bank press release, 28 October 2026
“Q2 FY27 GNPA at 3.1% vs 5% in Q2 FY26 and Q[2] FY27 net NPA at 0.9% vs 1.4% in Q2 FY26”
Bandhan Bank press release, 28 October 2026
“We are making steady and significant improvement over the quarters in operating profit and PAT.”
Partha Pratim Sengupta, MD & CEO, Bandhan Bank press release, 28 October 2026
The press release rounds. Rs 62,175.05 lakh is about Rs 622 crore, and Rs 11,187.14 lakh is about Rs 112 crore. On the filing's own figures the quarter's profit is about 5.6 times the year-ago figure. The ratios 3.1%, 5%, 0.9% and 1.4% are the results table's 3.11%, 5.02%, 0.92% and 1.37%, rounded.
Dates
- Audit Committee: recommended the results at its meeting on 27 October 2026.
- Board meeting: Wednesday 28 October 2026 (started 10:00 A.M., results approved at 03:45 P.M.).
- Filed with NSE: 28 October 2026, with the press release in the same filing.
- Auditors: the joint statutory auditors, V. Sankar Aiyar & Co and V. Singhi & Associates, carried out a limited review and reported that nothing came to their attention suggesting a material misstatement. Their report adds that the Pillar 3 disclosures placed on the bank's website were not reviewed by them.
- Dividend: none declared in this filing.
Interest earned: the interest a bank collects on its loans, investments and money placed with RBI and other banks. It is a bank's version of revenue.
Operating profit before provisions: total income minus interest paid and running costs, before setting money aside for bad loans and before tax.
NPA (non-performing asset): a loan on which repayments have stopped for a set period, usually 90 days. Gross NPA is the full amount of such loans. Net NPA is what is left after the money the bank has already set aside (provisions) for them.
Capital adequacy ratio: the bank's own capital as a share of its risk-weighted loans and assets. RBI sets a minimum level.
Rs lakh: one lakh is one hundred thousand rupees, and one hundred lakh make one crore. So Rs 62,175.05 lakh is about Rs 622 crore. The filing reports in lakh, so this page does too.
Sources
- Bandhan Bank, outcome of board meeting with unaudited financial results, limited review report and press release, 28 October 2026. nsearchives.nseindia.com
- Bandhan Bank, press release on Q2 FY27 results, on the bank's website. bandhan.bank.in
This page was written by Potoos Research Services, a SEBI-registered Research Analyst (INH000027380) in Chennai. Every figure above is copied from the bank's filing, and every percentage change is worked out from the filing's own numbers.
This page reports what the company filed. It is not a recommendation to buy, sell or hold.
Common questions
How much profit did Bandhan Bank make in Q2 FY27?
Net profit for July to September 2026 was Rs 62,175.05 lakh (about Rs 622 crore), against Rs 11,187.14 lakh (about Rs 112 crore) in July to September 2025, a change of +455.8%.
Why did Bandhan Bank's profit rise so much?
On the filing's own lines, operating profit before provisions rose 18.8% to Rs 1,55,640.54 lakh, and provisions and contingencies fell 37.7% to Rs 71,753.75 lakh. There were no exceptional items.
What were Bandhan Bank's NPA ratios on 30 September 2026?
Gross NPAs were 3.11% of gross advances and net NPAs were 0.92% of net advances, against 5.02% and 1.37% on 30 September 2025.
Does Bandhan Bank publish consolidated results?
No. Note 16 of the results says the bank has no subsidiary, associate or joint venture, so it is not required to publish consolidated results. All figures on this page are the bank's own.
Did Bandhan Bank declare a dividend with these results?
No dividend was declared in the 28 October 2026 results filing.
Is this page a recommendation?
No. It reports what the company filed. It is not a recommendation to buy, sell or hold.