Bandhan Bank Q1 Results 2027: PAT Jumps 35% YoY, Asset Quality Improves
Bandhan Bank reported a strong Q1 FY27 with net profit rising to ₹501.67 crore and further improvement in asset quality. Gross NPA declined to 3.15%, while Net Interest Income continued to grow.
Bandhan Bank Q1 Results 2027: Bandhan Bank's net profit rose 34.9% year-on-year to ₹501.67 crore for the quarter ended June 30, 2026, though it declined 6.1% QoQ from ₹534.14 crore in Q4 FY26. Gross NPA improved to 3.15% from 4.96% a year earlier.
Bandhan Bank Shares Price: Bandhan Bank shares came under heavy selling pressure on Wednesday, 22 July, falling nearly 15% in early trade after the bank announced its Q1 FY27 results. Despite reporting healthy earnings growth for the April–June quarter, investors appeared concerned about the management's cautious outlook on margins and profitability.
The stock declined to an intraday low of ₹177.50 from its previous close of ₹208.83 on the NSE. After falling more than 10%, the shares entered the exchange's cooling-off period before extending losses. At around 9:51 AM, Bandhan Bank was trading 14.07% lower at ₹179.44.
According to management, factors such as higher deposit costs, an uncertain global environment, the monsoon season and rising technology expenses could continue to put pressure on the bank's margins in the coming quarters.
As of 22 July, 11.26 AM
Bandhan Bank Q1 FY27 Results Highlights
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Total income for Q1 FY27 stood at ₹6,234.38 crore, up marginally by 0.6% from ₹6,199.13 crore in Q4 FY26, and up 0.5% from ₹6,201.49 crore in the same quarter last year.
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Net interest income, the bank's core earnings from lending after paying out interest on deposits, rose 5.9% year-on-year to ₹2,920.58 crore. On a QoQ basis, NII grew 4.5% from ₹2,795.59 crore in March quarter.
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PPOP came in at ₹1,358.10 crore, down 18.6% from ₹1,668.40 crore in the same quarter last year, and down 5.8% from ₹1,441.16 crore in the previous quarter.
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Profit after tax stood at ₹501.67 crore, up 34.9% from ₹371.96 crore in Q1 FY26. On a QoQ basis, PAT fell 6.1% from ₹534.14 crore in Q4 FY26.
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Gross NPA improved to 3.15% at the end of June 2026, down from 3.27% in March and well below 4.96% a year ago.
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Net NPA fell to 0.93% from 0.97% sequentially and 1.36% last year.
|
Metric |
Q1 FY27 |
Q4 FY26 |
QoQ % |
Q1 FY26 |
YoY % |
|---|---|---|---|---|---|
|
Total Income (₹ Cr) |
6,234.38 |
6,199.13 |
0.6% |
6,201.49 |
0.5% |
|
Net Interest Income (₹ Cr) |
2,920.58 |
2,795.59 |
4.5% |
2,757.24 |
5.9% |
|
Pre-Provision Operating Profit — PPOP (₹ Cr) |
1,358.10 |
1,441.16 |
-5.8% |
1,668.40 |
-18.6% |
|
Operating Profit Margin (%) |
21.79% |
23.25% |
-146 bps |
26.90% |
-511 bps |
|
Profit After Tax (₹ Cr) |
501.67 |
534.14 |
-6.1% |
371.96 |
34.9% |
|
Gross NPA (%) |
3.15% |
3.27% |
-12 bps |
4.96% |
-181 bps |
|
Net NPA (%) |
0.93% |
0.97% |
-4 bps |
1.36% |
-43 bps |
|
ROA (%) |
1.0% |
1.1% |
-10 bps |
0.8% |
+20 bps |
|
ROE (%) |
7.7% |
8.5% |
-80 bps |
5.9% |
+180 bps |
|
Net Interest Margin (%) |
6.2% |
6.2% |
flat |
6.4% |
-20 bps |
|
Diluted EPS (₹) |
3.11 |
3.31 |
-0.20 |
2.31 |
+0.80 |
Source: BSE/NSE filing, Bandhan Bank Unaudited Financial Results
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