Key Highlights in Q1FY27
1. Financial Performance:
Net Profit of the Bank stood at Rs. 5,332 Crores during Q1FY27. Interest income of Bank stood at Rs. 27,203 Crores during Q1FY27.
2. Business Growth:
Total Business of the Bank increased by 7.46% YoY, wherein Gross Advances increased by 12.50% YoY & Total Deposit grew by 3.50% YoY. Bank has a total Business of Rs. 23,79,697 Crores as on June 30, 2026.
3. Deposit Growth:
Global deposits have increased by 3.50% YoY. Bank now has total deposits base of Rs. 12,83,366 Crores as on June 30, 2026.
4. Growth in Retail, Agri and MSME (RAM) segments:
RAM Segment of the Bank increased by 11.56% YoY, with in which 12.06% growth in Retail and 16.49% growth in MSME advances is achieved on YoY basis. RAM advances as a percent of Domestic Advances stood at 57.31%.
5. Reduction in NPA:
Gross NPA (%) reduced by 87 bps on YoY basis to 2.65% and Net NPA (%) reduced by 15 bps on YoY basis to 0.47% as on 30.06.2026.
6. Strong Capital Ratios:
CRAR stood at 18.46% as on 30.06.2026. CET-1 ratio improved from 15.30% as on 30.06.2025 to 16.38% as on 30.06.2026.
7. Returns:
Bank’s Return on Assets & Return on Equity stands at 1.36% and 17.23% respectively during Q1FY27.
Key Summary of Results
Particulars Quarterly
Jun-25 (Q) Mar-26 (Q) Jun-26 (Q) QoQ (%) YoY (%)
Total Business 22,14,422 23,85,502 23,79,697 -0.24 7.46
Global Deposits 12,39,933 13,06,891 12,83,366 -1.80 3.50
Current 68,570 84,087 73,989 -12.01 7.90
Savings 3,34,475 3,75,990 3,76,316 0.09 12.51
CASA 4,03,045 4,60,077 4,50,305 -2.12 11.73
CASA (%) 32.51 35.20 35.09 -11 258
CD Ratio (%) 79.17 83.27 86.10 283 693
Retail 2,29,040 2,53,083 2,56,653 1.41 12.06
Agriculture 1,71,606 1,83,394 1,83,184 -0.11 6.75
MSME 1,44,441 1,62,007 1,68,258 3.86 16.49
RAM Advances 5,45,087 5,98,484 6,08,095 1.61 11.56
Gross Advances 9,74,489 10,78,611 10,96,331 1.64 12.50
Earnings
Interest Income 26,919 26,439 27,203 2.89 1.05
Non Interest Income 4,486 5,412 4,603 -14.95 2.61
Interest Expenditure 17,807 17,033 17,166 0.78 -3.60
Operating Expenses 6,690 6,863 6,638 -3.28 -0.78
Net Interest Income 9,113 9,406 10,037 6.71 10.15
Operating Profit 6,909 7,955 8,003 0.59 15.83
Net Profit 4,116 5,316 5,332 0.31 29.57
Ratios
NIM (%) 2.76 2.64 2.80 16 4
Cost of Deposits (%) 5.53 5.23 5.05 -18 -48
Yield on Advances (%) 8.50 7.98 7.90 -8 -60
Cost to Income Ratio (%) 49.19 46.31 45.34 -97 -385
RoA (%) 1.11 1.36 1.36 0 25
RoE (%) 15.15 18.04 17.23 -81 208
Gross NPA (%) 3.52 2.82 2.65 -17 -87
Net NPA (%) 0.62 0.48 0.47 -1 -15
PCR (%) 94.65 95.03 95.05 2 40
Credit Cost (%) 0.47 0.16 0.38 22 -9
CET-1 (%) 15.30 15.69 16.38 69 108
CRAR (%) 18.30 18.10 18.46 36 16
Network:
• 8,700 Branches including foreign branches
• 8,758 ATMs
• 28,629 BC Points
• 138 MLPs (MSME Loan Points)
• 143 RLPs (Retail Loan Points)
• 117 Union MSME First Branches
• 1,671 Gold Loan Points
• 11 LCBs & 38 MCBs
• 3 SAMBs & 28 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 2.23 lakhs new enrollments were done by the Bank for the quarter ended June 30, 2026.
• Pradhan Mantri Suraksha Bima Yojana (PMSBY):
This is Government- backed accidental insurance scheme; where 6.70 lakhs new enrollments were done by the Bank for the quarter ended June 30, 2026.
• Pradhan Mantri Jan Dhan Yojana (PMJDY):
Our Bank is instrumental in opening 3.45 Crores accounts under PMJDY Scheme with balance of Rs. 15,943 Crores as on 30.06.2026. The corresponding figure was 3.26 Crores account with balance of Rs. 13,089 Crores as on 30.06.2025.
• Atal Pension Yojana (APY):
APY is a pension scheme, primarily targeted at the individuals working in unorganized sector, 2.39 lakh new enrollments were done by Bank for the quarter ended June 30, 2026.
• Union Nari Shakti Scheme for Women Entrepreneurs:
Sanctioned 1,817 Applications for Rs.321 Crores during Q1FY27
• Credit facility towards Green initiatives: –
1) Renewable Energy Sector: -Sanctioned Rs. 34,363 crores as on 30.06.2026
2) Union Green Vehicle: -Sanctioned amount Rs. 2,819 Crores as on 30.06.2026