Key Highlights

  • Net Profit increased Y-o-Y by 213.6% to ₹5,253 Crore in Q1 FY’27 as against ₹1,675 Crore in Q1 FY’26.
  • RoA increased by 67 BPS at 1.04% in Q1 FY’27 over Q1 FY’26.
  • Global Net Interest Margin improved to 2.50% in Q1 FY’27 from 2.47% in Q4 FY’26.
  • CRAR increased to 18.13% as on June’26 from 17.50% as on June’25.
  • Book value per share (Tangible) ₹108.58 in June’26 from ₹92.64 in June’25.
  • Global Business grew by 10.2% on Y-o-Y basis to ₹29.98 Lakh Crore as on June’26 from ₹27.19 Lakh Crore as on June 25.
  • Global Deposits increased by 8.5% on Y-o-Y basis to ₹17.24 Lakh Crore as on June’26 from ₹15.89 Lakh Crore as on June’25.
  • Global Advances increased by 12.7% on Y-o-Y basis to ₹ 12,73,132 Crore as on June’26 from ₹11,29,898 Crore as on June’25.
  • CD Ratio stood at 73.8% as on June’26 as against 71.1% in June’25.
  • GNPA ratio improved by 100 bps on Y-o-Y basis to 2.78% as on June’26 from 3.78% as on June 25. On sequential basis it has improved by 17 bps in June’26.
  • NNPA ratio improved by 10 bps on Y-o-Y basis to 0.28% as on June’26 from 0.38% as on June’25. On sequential basis it has improved by 1 bps in June’26.
  • Slippage ratio improved by 3 bps on Y-o-Y basis to 0.68% as on Q1 FY’27 from 0.71% as on Q1 FY’26.

Deposits

  • Savings Deposits increased to ₹ 5,33,798 Crore registering a Y-o-Y growth of 7.2%.
  • Current Deposits stood at ₹ 79,318 Crore as on June’26 registering a Y-o-Y growth of 12.3%.
  • CASA Deposits increased to ₹6,13,116 Crore recorded a Y-o-Y growth of 7.8% as on June’26.
  • CASA Share of the bank stands at 36.7% as on June’26.

Advances

  • Core Retail Advances recorded a Y-o-Y growth of 17.5%.
  • Housing Loan grew by 11.9% Y-o-Y to ₹1,32,840 Crore.
  • Vehicle loan grew by 34.4% Y-o-Y to reach ₹36,599 Crore.
  • Agriculture PS Advances grew by 16.4 % on Y-o-Y basis to ₹1,61,668 Crore.
  • MSME Advances increased Y-o-Y by 19.8% to ₹2,03,025 Crore.

Asset Quality

  • Gross Non-Performing Assets (GNPA) declined by ₹ 7,292 Crore to ₹35,381 Crore as on June’26 from ₹42,673 Crore as on June’25.
  • Net Non-Performing Assets (NNPA) declined by ₹699 Crore to ₹3,433 Crore as on June’26 from ₹4,132 Crore as on June’25.

Profitability

  • Operating Profit at ₹7,519 Crore for Q1 FY’27 increased from ₹ 7,081 Crore for Q1 FY’26, recording a growth of 6.2% on Y-o-Y basis.
  • Interest Income on Advances at ₹23,061 Crore for Q1 FY’27 increased from ₹21,664 Crore for Q1 FY’26 recording a growth of 6.4% on Y-o-Y basis.
  • Total Interest Income at ₹32,897 Crore for Q1 FY’27 increased from ₹ 32,157Crore for Q4 FY’26, recording a growth of 2.3% on Q-o-Q basis.
  • Net Interest Income has increased by 2.1% on Y-o-Y basis to ₹10,798 Crore in Q1 FY’27.
  • Fee based income of the Bank is at ₹ 2,339 Crore for Q1 FY’27 increased from ₹1,956 Crore for Q4 FY’26, recording a growth of 19.6% on Q-o-Q basis.

Efficiency/Productivity

  • Business per employee improved to ₹29.71 Crore as on June’26 from ₹27.30 Crore as on June’25.
  • Business per branch improved to ₹ 278.28 Crore as on June’26 from ₹257.39 Crore as on June’25.
  • Net profit per employee stands at ₹21.71 Lakhs as on Q1 FY’27.
  • Net profit per branch stands at ₹203.37 Lakhs as on Q1 FY’27.