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Bandhan Bank Ltd

Q3 FY26Banks

Bandhan Bank Q3 FY26 Results & Concall Highlights

Q3 FY26 earnings call: what management guided on revenue, margins and order book.

Price₹175
Market cap₹27.5K Cr
P/E20.3
Updated23 Aug 2026
Read4 min read

The short version

Bandhan Bank expects a 15% to 17% CAGR in advances over the next 2 to 3 years, with deposit growth projected to be higher than advances growth, supporting funding stability. Bandhan Bank targets a 15%-17% CAGR in advances over the next 2-3 years, with deposit growth expected to outpace advances (Page 22).

From Bandhan Bank Ltd's Q3 FY26 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

  • Bandhan Bank expects a 15% to 17% CAGR in advances over the next 2 to 3 years, with deposit growth projected to be higher than advances growth, supporting funding stability.
  • The balance sheet is being reshaped with a diversification strategy; non-EEB (secured) portfolios are growing strongly at 25% YoY, while EEB (microfinance) is stabilizing after a de-growth phase.
  • Retail term deposits are growing over 36% YoY, reflecting strong customer trust and branch network strength, with CASA improving towards 31%.
  • Margin improvements are anticipated due to lower cost of funds, improving cost of deposits, expected NIM uplift by 35-50 bps in coming quarters, and reduced interest reversals from declining slippages.
  • Secured loan book growth (57% of advances) is a key growth driver, expanding across wholesale banking, housing, and retail assets.
  • Focus on digital enhancements and expanded product offerings aims to drive customer acquisition and higher revenue streams.

Profitability & Margins

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

Capital Expenditure Plans

The provided transcript from Bandhan Bank Limited's Q3 FY26 discussion does not explicitly mention any current or future capital expenditure (capex), capital investment, or strategic investment plans. Key focuses highlighted include: - Digital transformation initiatives such as enhancement of corporate internet banking, real-time transaction monitoring, integration of PoS terminals with ERP systems, and launch of mobile-based payment acceptance. - Investments in technology for improved customer journey and security, including revamped mobile banking and corporate internet banking platforms. - Strengthening control frameworks and product offerings, especially in the EEB loan portfolio. - Provisioning for labor code changes impacting gratuity liabilities. No direct references were made to large-scale capex or strategic investments in infrastructure or new business lines in this excerpt. The emphasis is on operational and digital improvements rather than capital investment.

Top-ranked in Banks

Ranked on what management guided this quarter

5x potential
1IDFC First Bank
Rev 2Mar 3
2Bank of Maha
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

The provided transcript of Bandhan Bank Limited's earnings call does not contain specific details about the bank's current or expected order book or pending orders. The discussion primarily revolves around: - Advances growth and portfolio composition. - Deposit growth and cost optimization. - Asset quality and NPA management. - Digital transformation initiatives. - Product enhancements in group loans. - Risk management and credit cost guidance. No direct information related to order book or pending orders is mentioned in the document. If you need insights about order book figures, please specify the sector or type of orders, or provide a document with relevant data.

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What Bandhan Bank Ltd's management said in earlier quarters

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Frequently Asked Questions

What were Bandhan Bank Ltd Q3 FY26 results?

Bandhan Bank expects a 15% to 17% CAGR in advances over the next 2 to 3 years, with deposit growth projected to be higher than advances growth, supporting funding stability. Bandhan Bank targets a 15%-17% CAGR in advances over the next 2-3 years, with deposit growth expected to outpace advances (Page 22).

What is Bandhan Bank Ltd share price analysis?

Bandhan Bank Ltd currently shows a neutral. The stock trades at a P/E of 20.3 with a market cap of ₹27,463 Cr. Investors should review the full earnings analysis for detailed insights.

Is Bandhan Bank Ltd planning capital expenditure?

The provided transcript from Bandhan Bank Limited's Q3 FY26 discussion does not explicitly mention any current or future capital expenditure (capex), capital investment, or strategic investment plans.

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This analysis is AI-generated based on publicly available earnings data and concall transcripts. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.