Bandhan Bank loan growth back at 10% after two quarters, EEB collection efficiency improves

Bandhan Bank Ltd on Sunday, January 4, reported steady growth in loans and deposits for the quarter ended December 31, 2025 (Q3 FY26), with a continued shift towards retail deposits, even as low-cost CASA balances declined year-on-year.

According to the bank’s provisional business update, loans and advances, including pass-through certificates (PTC), rose 10% year-on-year to ₹1.45 lakh crore as of December 31, 2025, compared with ₹1.32 lakh crore a year earlier.

Total deposits increased 11.1% year-on-year

to ₹1.57 lakh crore from ₹1.41 lakh crore in the corresponding period last year. Retail deposits, including CASA, grew 17.2% to ₹1.13 lakh crore, strengthening their share in the overall deposit base to 72.37% from 68.65% a year ago.

Within retail deposits, retail term deposits recorded a strong growth of 35.8% year-on-year to ₹70,690 crore. In contrast, CASA deposits declined 4.5% to ₹42,730 crore, leading to a moderation in the CASA ratio to 27.26% from 31.73% a year earlier.

Bulk deposits edged down 2% year-on-year to ₹43,303 crore, while their share in total term deposits reduced to 37.99% from 45.92% a year ago, underscoring the bank’s focus on improving the granularity of its deposit base.

The bank said its liquidity coverage ratio (LCR) remained comfortable at approximately 149.14% as of December 31, 2025, well above regulatory requirements.

On asset quality indicators, Bandhan Bank reported an improvement in collection efficiency across the bank. Pan-bank collection efficiency, excluding non-performing assets (NPAs), improved to around 98.1% in December 2025 from approximately 97.8% in September 2025.

The exchange filing said that the figures are provisional in nature and subject to review.

Shares of Bandhan Bank Ltd ended higher on Friday, January 2, by 0.53% at ₹144.95 on the NSE.

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