On Sunday, January 4, Bandhan Bank Ltd announced consistent growth in both loans and deposits for the quarter ending December 31, 2025 (Q3 FY26), with a notable shift towards retail deposits, despite a year-on-year decline in low-cost CASA balances.
According to the bank’s provisional business update, loans and advances, including pass-through certificates (PTC), climbed 10% year-on-year to ₹1.45 lakh crore as of December 31, 2025, compared to ₹1.32 lakh crore the previous year.
Total deposits rose by 11.1% year-on-year to ₹1.57 lakh crore, up from ₹1.41 lakh crore in the same period last year. Retail deposits, which include CASA, increased by 17.2% to ₹1.13 lakh crore, enhancing their proportion of the overall deposit base to 72.37% from 68.65% a year earlier.
In the retail deposits category, retail term deposits showcased impressive growth of 35.8% year-on-year, reaching ₹70,690 crore. On the other hand, CASA deposits saw a decline of 4.5% to ₹42,730 crore, which resulted in a drop in the CASA ratio to 27.26% from 31.73% a year ago.
Bulk deposits slightly decreased by 2% year-on-year to ₹43,303 crore, with their share of total term deposits falling to 37.99% from 45.92% last year, highlighting the bank’s commitment to enhancing the granularity of its deposit base.
The bank reported that its liquidity coverage ratio (LCR) remained robust at approximately 149.14% as of December 31, 2025, significantly exceeding regulatory requirements.
In terms of asset quality indicators, Bandhan Bank noted an improvement in collection efficiency across its operations. The overall collection efficiency, excluding non-performing assets (NPAs), rose to around 98.1% in December 2025, up from approximately 97.8% in September 2025.
The exchange filing clarified that the figures are provisional and subject to review.
On Friday, January 2, shares of Bandhan Bank Ltd closed higher by 0.53% at ₹144.95 on the NSE.
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