THEBUSINESSBYTES
BUREAU
KOLKATA, JANUARY 22, 2026
Bandhan Bank has marked a significant
milestone in its growth journey as its total business crossed ₹3 lakh crore during the third quarter of the financial
year 2025–26, underscoring steady momentum and strengthening fundamentals. The bank
reported an 11 per cent growth in total business to ₹3.02 lakh crore, driven by an expanded distribution
network, improved operational efficiency and a supportive business environment.
During the quarter, Bandhan Bank’s
deposit base grew by 11 per cent year-on-year to ₹1.57
lakh crore, reflecting sustained customer confidence and stable liability
growth. Retail deposits continued to form the backbone of the bank’s funding
profile, with their share rising to 72 per cent of total deposits, while the CASA ratio stood at 27.3 per cent.
The loan book expanded by nearly 10% year-on-year to ₹1.45 lakh crore, supported by a calibrated approach to
growth and diversification across segments.
The bank’s balance sheet strength
remained robust, with the Capital Adequacy Ratio standing at a healthy 17.8 per
cent, comfortably above regulatory requirements and highlighting strong capital
buffers. As of the end of the quarter, Bandhan Bank served around 3.25 crore
customers through more than 6,350 banking outlets spread across 35 of the 36
states and Union Territories of India, supported by a workforce of over 74,500
employees.
Commenting on the performance, MD
& CEO Partha Pratim Sengupta said, "Bandhan Bank’s third quarter
performance over the last quarters reflects the strengthening fundamentals and
steady turn around. In Q4, we are set to accelerate multiple digital
initiatives aimed at enhancing customer experience, operational efficiency, and
scalability. We remain fully committed to building a strong, more resilient and
more diversified bank. These efforts position us well for sustainable and
profitable growth going forward.”
Looking ahead, the bank continues to
focus on diversifying its asset base with a strategic emphasis on expanding its
retail portfolio. Accelerated digitisation remains a core priority as Bandhan
Bank aims to enhance efficiency, boost productivity and deliver a superior
customer experience, positioning itself for long-term, sustainable growth.
