Bandhan Bank's Q4 deposits up 10% YoY to ₹1.66L crore
What's the story
Bandhan Bank has posted a double-digit growth in its advances and steady deposit accretion for the quarter ending March 31, 2026. According to its provisional business update, the bank's loans and advances (including on-book and PTC) stood at ₹1.54 lakh crore at the end of the March quarter. This marks a year-on-year increase of 12.6% and a sequential rise of 6.2%.
Deposits
Total deposits up by 10% on-year
Bandhan Bank's total deposits also witnessed a year-on-year increase of 10% to ₹1.66 lakh crore, with a quarter-on-quarter rise of 6.1%. The bank's CASA deposits grew marginally by 2.8% year-on-year to ₹48,751 crore at the end of the March quarter. The CASA ratio stood at 29.31%, indicating healthy deposit composition and liquidity management practices by the bank during this period.
Retail growth
Retail term deposits witness strong traction
Bandhan Bank's retail term deposits witnessed strong traction, surging 30.1% year-on-year to ₹73,796 crore. Overall retail deposits (including CASA) also saw a significant increase of 17.7% to ₹1.22 lakh crore at the end of the March quarter. However, bulk deposits declined by 6.9% year-on-year to ₹43,797 crore during this period, despite an improvement in the share of retail deposits in total deposits from 68.88% a year earlier to 73.67%.
Liquidity status
Liquidity coverage ratio at around 131.76%
As of March 31, 2026, Bandhan Bank reported a liquidity coverage ratio (LCR) of around 131.76%. The bank's collection efficiency remained strong with pan-bank efficiency (excluding NPAs) at 98.9% for March 2026, compared to December 2025's figure of 98.1%.