Bandhan Bank's Q2 profit jumps 40% to ₹1,000cr
Bandhan Bank just posted a 7.2% jump in its loan book for July-September 2025, hitting ₹1.40 lakh crore.
Deposits grew even faster—up 10.9% year-on-year to ₹1.58 lakh crore—powered mostly by a surge in retail deposits.
Retail deposits up 16.7%
Retail depositors are stepping up, with their contributions rising 16.7% and now making up over 71% of all deposits.
This shift means the bank is less reliant on big-ticket bulk deposits, which actually dipped a bit this quarter.
Strong collection efficiency at 98%
A huge boost in retail term deposits (up 39%) helped offset a drop in CASA (Current Account Savings Account) balances and bulk funds.
The bank also kept its collection efficiency strong at 98%, showing it's managing loans well and staying liquid—with collection efficiency in the Emerging Entrepreneurs Business (EEB) segment also showing marginal improvement.