| Key Highlights of the Results – Q4 FY-2025-26 Business Growth – Total Business of the Bank stood at Rs. 590,314 Crore as on 31.03.2026, registering a growth of 14.95% on a Y-o-Y basis, wherein Gross Advances grew by 19.44% on a Y-o-Y basis to Rs. 262,752 Crore & Total Deposits grew by 11.59% on a Y-o-Y basis to Rs. 327,563 Crore. CASA Growth – Total CASA stood at Rs 1,17,752 crore as on 31.03.2026, registering a growth of 12.46% on a Y-o-Y basis; savings deposits stood at Rs 1,01,025 crore, registering a growth of 11.78% on a Y-o-Y basis; and current deposits stood at Rs 16,727 crore, registering a growth of 16.77% on a Y-o-Y basis. The CASA ratio improved by 74 bps to 38.65%. Profitability – Net profit for the quarter ending 31.03.2026 stood at Rs 801 crore as against Rs 653 crore as of 31.03.2025, registering 22.66% growth on a Y-o-Y basis. Operating profit for the quarter ended 31.03.2026 stood at Rs 1,573 crore. Net Interest Margin (NIM) – Global stood at 3.00% and Domestic NIM at 3.19% for the quarter ending 31.03.2026. Advances in Retail, Agriculture & MSME (RAM) Sectors – The RAM segment of the bank increased by 24.23% to Rs 1,52,324 crore Y-o-Y, backed by 26.62% Y-o-Y growth in retail advances, 26.24% Y-o-Y growth in agriculture advances, and 19.36% Y-o-Y growth in MSME advances. Reduction in NPA – Gross NPA reduced by 52 bps Y-o-Y to 2.17% as of 31.03.2026, whereas Net NPA reduced by 23 bps Y-o-Y to 0.27% as of 31.03.2026. Capital Adequacy Ratio – Capital Adequacy Ratio (CRAR) stood at 18.61% as of 31.03.2026 with a Tier I capital ratio of 16.59%. Credit-to-Deposit Ratio – Stood at 80.21% as of 31.03.2026, as against 74.94% as of 31.03.2025. A dividend of 4.40% (i.e., 44 paise per equity share) is proposed for the year 2025-26, subject to approval from shareholders in the ensuing annual general meeting of the bank. |
Profitability (Quarter Ended March 31st, 2026):
- Net profit for the quarter ended 31.03.2026 stood at Rs 801 crore as against Rs 653 crore for the same period in the preceding year, registering a growth of 22.66% year-on-year.
- Net Interest Margin (NIM) – Global stood at 3% and domestic NIM at 3.19% for the quarter ended 31.03.2026.
- Cost of funds improved by 31 bps Y-o-Y to 4.47% for the quarter ended 31.03.2026.
- Yield on Advances (Domestic) stood at 8.18% for the quarter ended 31.03.2026.
- The cost-to-income ratio improved by 581 bps Y-o-Y at 52.66% for the quarter ended 31.03.2026.
- Return on Asset (ROA) stood at 0.87%, showing an improvement of 10 bps on a year-on-year basis.
- Fee-based income grew by 32.65% on a Y-o-Y basis to Rs. 516 crore as of 31.03.2026, as against Rs. 389 crore as of 31.03.2025.
Profitability (Year Ended March 31st, 2026):
- Operating profit has shown a growth of 6.49% on a Y-o-Y basis to Rs 6429 crore as against Rs 6037 crore for the year ended 31.03.2025.
- Net profit grew by 13.21% Y-o-Y to Rs 2,768 crore as of 31.03.2026 against Rs 2,445 crore for the year ended 31.03.2025.
- Net interest income (NII) grew by 5.89% on a Y-o-Y basis to Rs. 10197 crore for the year ended 31.03.2026 as against Rs. 9630 crore for the year ended 31.03.2025.
- Return on Assets (ROA) for the year ended 31.03.2026 stood at 0.79%.
- Fee-based income grew by 25.40% on a Y-o-Y basis to Rs 17,333 crore for the year ended 31.03.2026 as against Rs 1,382 crore for the year ended 31.03.2025.
Assets & Liabilities (As on March 31st, 2026)
- Retail advances stood at Rs. 68,697 crore as on 31.03.2026, as against Rs. 54,255 crore as on 31.03.2025, registering a Y-o-Y growth of 26.62%, backed by growth in the home loan and vehicle loan portfolios, which registered a growth of 19.11% and 71.12%, respectively, on a Y-o-Y basis.
- Agriculture advances stood at Rs. 37,336 crore as of 31.03.2026, as against Rs. 29,575 crore as of 31.03.2025, showing a growth of 26.24% on a Y-o-Y basis.
- Advances to the MSME sector stood at Rs. 46,291 crore as on 31.03.2026, as against Rs. 38,783 crore as on 31.03.2025, registering a growth of 19.36% on a Y-o-Y basis.
Asset Quality:
- Provision coverage ratio stood at 97.79% as of 31.03.2026. Tangible PCR stood at 87.66% as of 31.03.2026.
- The slippage ratio for the year ended on 31.03.2026 stood at 0.78%.
Operational Efficiency:
- Business per employee improved to 28.08 crore as on 31.03.2026, as against Rs. 24.35 crore as on 31.03.2025.
- Business per branch improved to 172.91 crore as on 31.03.2026, as against Rs. 155.43 crore as on 31.03.2025.
Branch Network:
- Total number of branches as of 31.03.2026: 3412 domestic branches, 2 overseas branches each at Hong Kong and Singapore, and 1 representative office in Iran.
- 61 per cent of domestic branches are spread in rural & semi-urban regions, providing thrust to financial inclusion programmes.
