Key Financials
| Parameter | Q2 FY26 | Q2 FY25 | YoY | Q1 FY26 | QoQ | H1 FY26 | H1 FY25 |
|---|---|---|---|---|---|---|---|
| Net Interest Income | 1,551 | 1,615 | -4% | 1,481 | 5% | 3,031 | 3,315 |
| Other Income | 933 | 927 | 1% | 1,069 | -13% | 2,002 | 1,733 |
| Net Total Income | 2,483 | 2,542 | -2% | 2,550 | -3% | 5,034 | 5,048 |
| Operating Profit | 728 | 910 | -20% | 703 | 4% | 1,431 | 1,769 |
| Net Profit | 179 | 223 | -20% | 200 | -11% | 379 | 594 |
| Parameter | Q2 FY26 | Q2 FY25 | Q1 FY26 | H1 FY26 | H1 FY25 |
|---|---|---|---|---|---|
| Other Income/Total Income | 37.6% | 36.5% | 41.9% | 39.8% | 34.3% |
| Cost/Income | 70.7% | 64.2% | 72.4% | 71.6% | 65.0% |
| Net Interest Margin | 4.51% | 5.04% | 4.50% | 4.50% | 5.35% |
| Credit Cost/Advances (bps) | 54 | 80 | 50 | 104 | 140 |
| RoA | 0.48% | 0.64% | 0.56% | 0.51% | 0.88% |
| RoE | 4.44% | 5.76% | 5.11% | 4.77% | 7.79% |
| September 30, 2025 | September 30, 2024 | YoY | |
|---|---|---|---|
| Advances | 1,00,529 | 87,882 | 14% |
| Deposits | 1,16,667 | 1,07,959 | 8% |
| Investments | 28,814 | 30,373 | (5%) |
| Parameter | September 30, 2025 | September 30, 2024 | June 30, 2025 |
|---|---|---|---|
| CASA | 31.86% | 33.55% | 32.48% |
| GNPA | 2.32% | 2.88% | 2.78% |
| NNPA | 0.57% | 0.79% | 0.45% |
| PCR (exc. Technical write offs) | 75.92% | 72.98% | 84.03% |
| CRAR* | 15.02% | 15.92% | 15.59% |
*CRAR for interim financial periods has been computed after including interim results for better comparison
