Financial Results for the Quarter Ended September 30th, 2025.

Quarter ended 30th September 2025 vis-a-vis Quarter ended 30th September 2024.

  • Total Business grew by 14.43% to ₹737938 crore from ₹644858 crore.
  • Total Deposits up by 13.40% to ₹444450 crore from ₹391914 crore.
  • CASA Deposits is 46.83% of total deposits & the same has increased by ₹16346 crore to ₹207616 crore, from ₹191270 crore, registering a Y-o-Y growth of 8.55%.
  • Gross Advance increased by 16.03% to ₹293488 crore, from ₹252944 crore.
  • Gross NPA stood at 3.01%, from 4.59%, registering an improvement of 158 bps.
  • Net NPA stood at 0.48%, from 0.69%, registering an improvement of 21 bps.
  • Provision Coverage Ratio (PCR) improved to 96.88%, from 96.31%, registering an improvement of 57 bps.
  • Net Profit for the quarter is up by 32.86% to ₹1213 crore, from ₹913 crore.
  • Operating Profit for the Quater has declined to ₹1786 crore as of September 30, 2025, from ₹2165 crore on September 30, 2024, due to decline in Net-Interest Income & Non-Interest Income on YoY basis.
  • Net Interest Income for the Q/E September 30th, 2025, stood at ₹3283 crore.
  • Net Interest Margin stood at 2.89%.
  • Cost to Income ratio stood at 62.72%.
  • Return on Assets (ROA) improved to 1.01% for September 2025, from 0.84% at September 2024, registering an improvement of 17 bps.
  • Return on Equity (ROE) improved to 14.22% for September 2025, from 12.67% at September 2024, registering an improvement of 155 bps.
  • CRAR improved to 17.34%, of which Tier I at 14.98%, registering an improvement of 107 bps over 16.27% of corresponding period of previous year.

Profitability:

  • Total Income (Interest Income plus Non-Interest Income) for Q2FY26 improved by 4.07%, from ₹9849 crore in Q2FY25 to ₹10250 crore for Q2Y26.
  • Operating Profit for the Quater has declined to ₹1786 crore as of September 30, 2025, from ₹2165 crore on September 30, 2024, due to decline in Net-Interest Income & Non-Interest Income on YoY basis.
  • Net Interest Income for the Q/E September 30th, 2025, stood at ₹3283 crore, registering a de-growth of 3.72%, over ₹3410 crore of corresponding period of previous year.
  • Cost to Income ratio stood at 62.72% in Q2FY26.
  • Return on Asset (ROA) improved to 1.01 % in Q2FY26 as against 0.84 % in Q2FY25.
  • Return on Equity (ROE) improved to 14.22% in Q2FY26 as against 12.67% in Q2FY25.

Business Highlights:

  • Total Business of the Bank, stood at ₹737938 crores as on September 30, 2025, as against ₹644858 crores, registering growth of ₹93080 crores (14.43%) on YoY basis.
  • Total Deposit of the Bank, stood at ₹444450 crores as on September 30, 2025, as against ₹391914 crores, registering growth of ₹52536 crores (13.40 %) on YoY basis.
  • Gross Advances increased by ₹40544 crore (16.03%) on YoY basis and stood at ₹293488 crore as on September 30, 2025, as against ₹252944 crore as on September 30, 2024.
  • RAM (Retail, Agriculture & MSME) business grew by 15.23 %. The individual sector wise growth stood at 18.11 % (₹90204 crore), 12.41% (₹56521 core) & 13.81%  (₹63223 crore), respectively, for Retail, Agriculture & MSME.
  • Business per Employee has improved to ₹ 21.48 crore during quarter ended September 30, 2025, from ₹ 19.02 crore on YoY basis.

Asset Quality:

  • Gross NPA stood at 3.01%, from 4.59 %, registering an improvement of 158 bps.
  • Net NPA stood at 0.48 %, from 0.69%, registering an improvement of 21 bps.
  • Provision Coverage Ratio (PCR) improved to 96.88%, from 96.31 %, an improvement of 57 bps.

Capital Adequacy:

  • Total BASEL III CRAR improved to 17.34%, of which Tier I at 14.98%, registering an improvement of 107 bps over 16.27% of corresponding period of previous year.

Branch Segmentation:

Bank is having pan India presence with total 21492 Touch Points, with 4556 Branches, with network of branches in rural & semi-urban areas (65.14%), 4174 ATMs and 12728 BC Points and 34 BC Maxx Points as on September 30th, 2025.