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Bandhan Bank Ltd

Q1 FY27Banks

Bandhan Bank Q1 FY27 earnings call: Revenue & Margins

Q1 FY27 earnings call: what management guided on revenue, margins and order book.

Price₹191
Market cap₹28.2K Cr
P/E20.8
Updated23 Sept 2026
Read4 min read

What the Q1 FY27 call signalled

1 of 4 strong

RevenueModerate growth
MarginMargins steady
CapexCapex planned
Order bookOrder book flat

The short version

Bandhan Bank expects overall credit growth of around 14-16% for FY27, with non-EEB portfolio growing over 20%, already showing 27% growth in Q1. Bandhan Bank expects calibrated credit growth of around 14-16% for FY27, with non-EEB segments growing faster (27% YoY in Q1) and EEB (microfinance) growing modestly (5-10%).

From Bandhan Bank Ltd's Q1 FY27 earnings-call transcript · updated 23 Sept 2026.

Revenue & Sales Performance

Moderate growth
  • Bandhan Bank expects overall credit growth of around 14-16% for FY27, with non-EEB portfolio growing over 20%, already showing 27% growth in Q1.
  • EEB (microfinance) segment growth is cautious due to macro risks, expected between 5-10%, aiming to maintain around 33% of total exposure.
  • Retail assets like commercial vehicles, gold loans, and housing loans are targeted for strong growth; retail assets grew 45% YoY in Q1.
  • Wholesale banking is growing rapidly at about 35-40%, focusing on corporate ecosystem expansion despite lower margins.
  • Growth in microfinance will be calibrated and quality-focused amid external challenges; no aggressive growth but stable or moderate growth is planned.

2 more points management made on revenue & sales performance

Profitability & Margins

See what Bandhan Bank Ltd said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

Capex planned
  • Bandhan Bank is actively investing in technology (IT) to build new products for wholesale, retail, and housing segments, and to improve governance and product monitoring tools.
  • The bank considers these tech investments critical and has no plans to postpone them, aiming to generate higher other income and productivity gains.
  • IT-related costs, including infrastructure like data centers (DCDR) and automated disaster recovery capabilities, are increasing due to supply chain constraints and rising vendor charges.
  • Current IT costs constitute around 8-9.5% of total operating expenses, up from 5-6% two years ago, with plans to continue investing before tapering down opex-to-asset ratio by FY28.

2 more points management made on capital expenditure plans

Top-ranked in Banks

Ranked on what management guided this quarter

5x potential
1AU Small Finance
Rev 2Mar 3
2IDFC First Bank
Rev 2Mar 3
3
Rev 2Mar 3
4
Rev 2Mar 3
5
Rev 2Mar 3
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

See what Bandhan Bank Ltd said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

Order book flat
The provided pages from the Bandhan Bank Limited report do not contain specific information about the current or expected orderbook or pending orders. The discussion primarily revolves around: - Loan book growth, focusing on microfinance, retail, housing finance, and wholesale banking segments. - Asset quality, recoveries, credit cost guidance.

2 more points management made on order book & pipeline

Continue your research

What Bandhan Bank Ltd's management said in earlier quarters

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Frequently Asked Questions

What were Bandhan Bank Ltd Q1 FY27 results?

Bandhan Bank expects overall credit growth of around 14-16% for FY27, with non-EEB portfolio growing over 20%, already showing 27% growth in Q1. Bandhan Bank expects calibrated credit growth of around 14-16% for FY27, with non-EEB segments growing faster (27% YoY in Q1) and EEB (microfinance) growing modestly (5-10%).

What is Bandhan Bank Ltd share price analysis?

Bandhan Bank Ltd currently shows a below-average growth signal. The stock trades at a P/E of 20.8 with a market cap of ₹28,195 Cr. Investors should review the full earnings analysis for detailed insights.

Is Bandhan Bank Ltd planning capital expenditure?

Bandhan Bank is actively investing in technology (IT) to build new products for wholesale, retail, and housing segments, and to improve governance and product monitoring tools.

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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.