Key Highlights in Q2FY27
1. Financial Performance:
Net Profit of the Bank stood at Rs. 5,537 Crores during Q2FY27. Interest income of Bank stood at
Rs. 28,158 Crores during Q2FY27.
2. Business Growth:
Total Business of the Bank increased by 12.01% YoY, wherein Gross Advances increased by 18.53% YoY & Total Deposit grew by 6.87% YoY. Bank has a total Business of Rs. 24,75,330 Crores as on September 30, 2026.
3. Deposit Growth:
Global deposits have increased by 6.87% YoY. Bank now has total deposits base of Rs. 13,19,455 Crores as on September 30, 2026.
4. Growth in Retail, Agri and MSME (RAM) segments:
RAM Segment of the Bank increased by 14.65% YoY, within which 11.24% growth in Retail and 22.39% growth in MSME advances is achieved on YoY basis. RAM advances as a percentage of Domestic Advances stood at 57.47%.
5. Reduction in NPA:
Gross NPA (%) reduced by 87 bps on YoY basis to 2.42% and Net NPA (%) reduced by 13 bps on YoY basis to 0.42% as on 30.09.2026.
6. Strong Capital Ratios:
CRAR stood at 17.94% as on 30.09.2026. CET-1 ratio improved from 14.37% as on 30.09.2025 to 16.05% as on 30.09.2026.
7. Returns:
Bank’s Return on Assets & Return on Equity stands at 1.38% and 17.21% respectively during Q2FY27.
Key Summary of Results
Particulars Quarterly Half Yearly
Jun-26 (Q) Sep-26 (Q) QoQ
(%) / bps Sep-25 (6M) Sep-26 (6M) YoY
(%) / bps
Total Business 23,79,697 24,75,330 4.02 22,09,828 24,75,330 12.01
Global Deposits 12,83,366 13,19,455 2.81 12,34,621 13,19,455 6.87
Current 73,989 81,607 10.30 63,010 81,607 29.51
Savings 3,76,316 3,79,121 0.75 3,38,844 3,79,121 11.89
CASA 4,50,305 4,60,728 2.31 4,01,854 4,60,728 14.65
CASA (%)-Domestic 35.10 34.93 -17 32.56 34.93 237
CD Ratio (%)-Global 86.10 88.13 203 79.67 88.13 846
Retail 2,56,653 2,65,323 3.38 2,38,506 2,65,323 11.24
Agriculture 1,83,184 1,89,810 3.62 1,68,405 1,89,810 12.71
MSME 1,68,258 1,80,394 7.21 1,47,395 1,80,394 22.39
RAM Advances 6,08,095 6,35,527 4.51 5,54,306 6,35,527 14.65
Gross Advances 10,96,331 11,55,876 5.43 9,75,207 11,55,876 18.53
Earnings
Interest Income 27,203 28,158 3.51 53,110 55,361 4.24
Non-Interest Income 4,603 4,651 1.04 9,482 9,254 -2.40
Interest Expenditure 17,166 17,576 2.39 35,185 34,742 -1.26
Operating Expenses 6,638 7,126 7.36 13,684 13,764 0.58
Net Interest Income 10,037 10,583 5.43 17,925 20,620 15.03
Operating Profit 8,003 8,108 1.31 13,723 16,110 17.39
Net Profit 5,332 5,537 3.84 8,365 10,870 29.95
Ratios
NIM (%) 2.80 2.86 6 2.71 2.83 12
Cost of Deposits (%) 5.05 5.01 -4 5.50 5.03 -47
Yield on Advances (%) 7.90 7.90 0 8.42 7.90 -52
Cost to Income Ratio (%) 45.34 46.78 144 49.93 46.07 -386
RoA (%) 1.36 1.38 2 1.13 1.37 24
RoE (%) 17.23 17.21 -2 14.84 16.89 205
Gross NPA (%) 2.65 2.42 -23 3.29 2.42 -87
Net NPA (%) 0.47 0.42 -5 0.55 0.42 -13
PCR (%) 95.05 95.20 15 95.13 95.20 7
Credit Cost (%) 0.38 0.21 -17 0.34 0.29 -5
CET-1 (%) 16.38 16.05 -33 14.37 16.05 168
CRAR (%) 18.46 17.94 -52 17.07 17.94 87
Network:
• 8713 Branches including foreign branches
• 8815 ATMs
• 28654 BC Points
• 138 MLPs (MSME Loan Points)
• 143 RLPs (Retail Loan Points)
• 117 Union MSME First Branches
• 1670 Gold Loan Points
• 11 LCBs & 38 MCBs
• 3 SAMBs & 27 ARBs
Financial Inclusion schemes:
Financial Inclusion schemes launched by GOI with an aim to eliminate barriers and provide economically priced financial services to the less accessible sections of the society through government-backed schemes like PMJJBY, PMSBY, PMJDY and APY.
• Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY):
This is a Government- backed insurance scheme; where 6.23 lakhs new enrollments were done by the Bank for the quarter ended September 30, 2026.
• Pradhan Mantri Suraksha Bima Yojana (PMSBY):
This is Government- backed accidental insurance scheme; where 21.76 lakhs new enrollments were done by the Bank for the quarter ended September 30, 2026.
• Pradhan Mantri Jan Dhan Yojana (PMJDY):
Our bank is instrumental in opening 3.49 Crores accounts under PMJDY Scheme with balance of Rs. 16,671 Crores as on 30.09.2026. The corresponding figure was 3.33 Crores account with balance of Rs. 13,864 Crores as on 30.09.2026.
• Atal Pension Yojana (APY):
APY is a pension scheme, primarily targeted at the individuals working in unorganized sector, 2.85 lakh new enrollments were done by Bank for the quarter ended September 30, 2026.
• Union Nari Shakti Scheme for Women Entrepreneurs:
Sanctioned 1995 Applications for Rs. 346 crores during Q2FY27
• Credit facility towards Green initiatives: –
1) Renewable Energy Sector: -Sanctioned Rs. 39110 crores as on 30.09.2026
2) Union Green Miles: -Sanctioned amount Rs. 3731 crores as on 30.09.2026
Date: October 19, 2026
Place: Mumbai