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Bandhan Bank

Q4 FY26Banks

Bandhan Bank Q4 FY26 Results & Concall Highlights: Revenue, Margins & Order Book

Q4 FY26 earnings call: what management guided on revenue, margins and order book.

Price₹175
Market cap₹28.2K Cr
P/E20.9
Updated23 Aug 2026
Read4 min read

The short version

Bandhan Bank targets gradual growth in both secured (58%) and unsecured (42%) loan portfolios, maintaining this mix going forward. Bandhan Bank aims to improve its Return on Assets (ROA) from current 1.1% to around 1.6%-1.8% by Q4 FY27, indicating a targeted upward trajectory in profitability.

From Bandhan Bank's Q4 FY26 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

  • Bandhan Bank targets gradual growth in both secured (58%) and unsecured (42%) loan portfolios, maintaining this mix going forward.
  • Expected healthy advances growth around 13% YoY, with sequential quarterly growth of 6%.
  • The secured book is anticipated to grow at ~25% YoY, supported by retail secured products like commercial vehicles, construction equipment, auto and gold loans.
  • The EEB (microfinance) segment showed 8% sequential growth QoQ with focus on improving other income from the secured book, not just interest income.
  • Non-EEB portfolio expected to expand robustly (~25% YoY), supported by retail assets (46% YoY growth) and wholesale banking (33% YoY).
  • CASA and retail deposits to continue strong growth, improving liability quality and supporting sustainable revenue growth.
  • Bandhan Bank aims for stable NIM around 6.0% with an overall yield plus other income target of ~7.5% on assets.
  • Fee income and third-party product income expected to grow, enhancing recurring revenue streams.

Profitability & Margins

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

Capital Expenditure Plans

The provided transcript from Bandhan Bank's April 28, 2026 conference call does not explicitly mention any current or future capex, capital investment, or strategic investment plans. Key highlights include: - Focus on expanding distribution network with 1,955 branches and 4,400 EEB banking units. - Upgrading housing finance centers to full-fledged banking branches. - No direct commentary on capital expenditure or strategic investments. - Strong capital adequacy ratio at 18.0% (Tier 1 at 17.3%), implying capacity to support future growth. - Emphasis on strengthening core businesses, improving growth quality, and enhancing shareholder value. - Evaluation of EEB portfolio and secured book growth focus, with no specific capex outlined. No explicit plans or guidance on capital or strategic investments were disclosed in the excerpts.

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 said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

The provided transcript from Bandhan Bank's April 28, 2026 conference call does not contain specific information regarding current, expected order book, or pending orders. The focus of the discussion is primarily on the bank’s financial performance, loan portfolio composition, credit cost guidance, asset quality, deposit mix, and strategic priorities. No details on order book status or pending orders are mentioned in the excerpts from the call or report. If you need data on order books or pending orders for Bandhan Bank, such information might not be applicable as it is a banking institution rather than a company with order books typical of manufacturing or project businesses. Please clarify if you are referring to loan book growth or similar banking portfolio metrics.

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What Bandhan Bank's management said in earlier quarters

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Frequently Asked Questions

What were Bandhan Bank Q4 FY26 results?

Bandhan Bank targets gradual growth in both secured (58%) and unsecured (42%) loan portfolios, maintaining this mix going forward. Bandhan Bank aims to improve its Return on Assets (ROA) from current 1.1% to around 1.6%-1.8% by Q4 FY27, indicating a targeted upward trajectory in profitability.

What is Bandhan Bank share price analysis?

Bandhan Bank currently shows a neutral. The stock trades at a P/E of 20.9 with a market cap of ₹28,211 Cr. Investors should review the full earnings analysis for detailed insights.

Is Bandhan Bank planning capital expenditure?

The provided transcript from Bandhan Bank's April 28, 2026 conference call does not explicitly mention any current or future 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.