Bandhan Bank Q2 results: Net profit surges fivefold YoY to ₹622 crore, NII jumps 14%

The bank had logged a profit of ₹122 crore in the same period last year, according to a regulatory filing.

Its total income increased by 9.5% YoY to ₹6,458 crore during the quarter under review, compared with ₹5,900 crore in the second quarter of the 2025-26 fiscal year (Q2 FY26), Bandhan Bank said.

The lender’s net interest income (NII) also rose 14% YoY to ₹2,960 crore in the July-September quarter of the 2026-27 financial year (FY27), as against ₹2,589 crore in the year-ago period.

Its net interest margin (NIM) advanced by 30 basis points (bps) YoY to 6.1% in Q2 FY27, as against 5.8% in the same period a year ago.

Asset quality

On asset quality terms, the bank witnessed improvement with gross non-performing assets (NPAs) declining by 3 bps quarter-on-quarter (QoQ) to 3.11% for the reporting period, from 3.15% in the first quarter of FY27 (Q1 FY27). It fell 191 bps YoY from 5.02% in the corresponding quarter of the preceding fiscal year.

Its net NPAs (NNPA), or bad loans, moderated by 1 bps QoQ to 0.92% from 0.93% in the quarter-ago period. It contracted by 45 bps YoY from 1.3% in the year-ago period.

The Bank’s provision coverage ratio, including write-offs as of September 30, 2026, stood at 86.7%.

Its capital adequacy ratio also rose to 18.32% from 18.23% at the end of September 2025.

Shares of Bandhan Bank closed 2.27% higher at ₹155.36 per unit on the National Stock Exchange (NSE) on Wednesday, October 28. However, the results were declared after the market closed.

Bandhan Bank has a total market capitalisation of ₹25,030.86 crore as of October 28, 2026, according to data on the NSE.