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Bandhan Bank Ltd

Q2 FY26

Bandhan Bank Q2 FY26 earnings call: Revenue & Margins

Q2 FY26 earnings call: what management said on revenue, margins and capex.

Price₹168
Market cap₹27.0K Cr
P/E19.9
Updated16 Oct 2026
Read4 min read

The short version

Bandhan Bank expects gradual growth in the Emerging Entrepreneur Business (EEB) portfolio from Q3 FY26 onwards, supported by prudent lending, improved collections, and strengthened field discipline. Bandhan Bank expects gradual growth in the Emerging Entrepreneur Business (EEB) portfolio from Q3 onwards, supported by prudent lending and improved collections.

From Bandhan Bank Ltd's Q2 FY26 earnings-call transcript · updated 16 Oct 2026.

Revenue & Sales Performance

  • Bandhan Bank expects gradual growth in the Emerging Entrepreneur Business (EEB) portfolio from Q3 FY26 onwards, supported by prudent lending, improved collections, and strengthened field discipline.
  • The non-EEB portfolio is growing strongly, up 24% YoY, led by secured retail assets and wholesale banking, which will continue to drive overall advances.
  • The secured loan book, now 55% of total advances, is expected to increase further by 2-3 percentage points over the next 6-7 quarters.
  • Branch expansion will continue selectively, focusing on under-penetrated geographies such as the South and North, while emphasizing digital capabilities over aggressive branch growth.

2 more points from Bandhan Bank Ltd's call on revenue

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Profitability & Margins

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Capital Expenditure Plans

  • Bandhan Bank plans moderate branch expansion over the next year, focusing on select geographies like South and North India, with less emphasis on the East.
  • The bank prioritizes strengthening digital capabilities rather than aggressive physical branch growth.
  • Investment focus is on building digital strength and technology-led cost efficiencies as part of its Bandhan 2.0 strategy to transform into a full-service commercial bank.

2 more points from Bandhan Bank Ltd's call on capex

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Fundraising & Capital Structure

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Order Book & Pipeline

The discussion focuses primarily on: - Loan portfolio specifics, including EEB and non-EEB segments - Asset quality and SMA pools - MFI slippages and credit costs - Deposit growth and funding costs

2 more points from Bandhan Bank Ltd's call on order book

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What Bandhan Bank's management said in earlier quarters

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Frequently Asked Questions

What were Bandhan Bank Ltd Q2 FY26 results?

Bandhan Bank expects gradual growth in the Emerging Entrepreneur Business (EEB) portfolio from Q3 FY26 onwards, supported by prudent lending, improved collections, and strengthened field discipline. Bandhan Bank expects gradual growth in the Emerging Entrepreneur Business (EEB) portfolio from Q3 onwards, supported by prudent lending and improved collections.

What is Bandhan Bank Ltd share price analysis?

Bandhan Bank Ltd currently shows a neutral. The stock trades at a P/E of 19.9 with a market cap of ₹26,987 Cr. Investors should review the full earnings analysis for detailed insights.

Is Bandhan Bank Ltd planning capital expenditure?

Bandhan Bank plans moderate branch expansion over the next year, focusing on select geographies like South and North India, with less emphasis on the East.

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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.