Bandhan Bank Share Price Gains as Q1 FY27 Advances Surge 16.4% and Retail Deposit Mix Hits Record High
- July 6, 2026
- Posted by: Kunal Singla
- Category: News
Bandhan Bank share price CMP Rs 205.05, up 2.22%. Q1 FY27 advances up 16.4% YoY to Rs 1.55 lakh crore. Retail deposit mix at all-time high of 74%. CASA ratio at 29.4%.
Bandhan Bank share price is in focus on 6 July 2026 after the private lender’s Q1 FY27 provisional business update showed loans and advances rising 16.4 percent year on year to Rs 1,55,513 crore, up from Rs 1,33,624 crore a year earlier. The update also revealed a structural improvement in the bank’s deposit granularity, with a deliberate shift away from high cost bulk institutional liabilities toward sticky retail funds.
The bank’s retail-to-total deposit mix climbed to an all-time high of 73.96 percent, up sharply from 68.22 percent a year ago, underscoring the progress in Bandhan Bank’s liability side transformation even as total deposit growth trailed advances growth.
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About Bandhan Bank
Bandhan Bank is a private sector lender with deep roots in microfinance, having built one of India’s largest banking franchises focused on financial inclusion before diversifying into secured retail and MSME lending in recent years.
Why Bandhan Bank Share Price Is in Focus Today
Bandhan Bank share price is in focus because the Q1 FY27 update shows strong credit growth paired with a meaningfully improved liability mix, a combination that supports both earnings growth and funding cost discipline. Investors tracking Bandhan Bank share price can view live quotes and fundamentals on the Univest stock page for Bandhan Bank before assessing the update.
Loan Growth Outpaces Deposit Growth
Bandhan Bank’s overall loan book, which aggregates on-book lending exposure and pass-through certificates, reached Rs 1,55,513 crore as of 30 June 2026, a 16.4 percent increase over the year ago quarter. Total deposits grew a comparatively slower 6.6 percent year on year to Rs 1,64,886 crore, marking a marginal sequential decline of 0.9 percent from Rs 1,66,344 crore as of 31 March 2026.
Retail Deposit Mix at an All-Time High
Total retail deposits, including low cost operational accounts, surged 15.6 percent year on year to Rs 1,21,956 crore, pushing the retail-to-total deposit mix to an all-time high of 73.96 percent. Bulk deposits, in contrast, decreased 12.7 percent year on year to Rs 42,930 crore, reflecting the deliberate pruning of the bulk-to-total term deposit ratio to 36.88 percent.
CASA Ratio Improvement
CASA deposits rose 15.8 percent year on year to Rs 48,478 crore, though they dipped 0.6 percent quarter on quarter, lifting the CASA ratio to 29.40 percent from 27.06 percent a year earlier. Retail term deposits grew 15.4 percent year on year to Rs 73,478 crore. Collection efficiency remained stable at 98.9 percent for the month, with the EEB segment at 98.5 percent and the non-EEB segment at a stronger 99.4 percent.
Bandhan Bank Q1 FY27 Key Metrics
The table below summarises the key operating metrics from the Q1 FY27 update.
| Metric | Q1 FY27 | Q1 FY26 | YoY Change |
|---|---|---|---|
| Loans and Advances | Rs 1,55,513 crore | Rs 1,33,624 crore | +16.4% |
| Total Deposits | Rs 1,64,886 crore | Rs 1,54,690 crore | +6.6% |
| CASA Deposits | Rs 48,478 crore | Rs 41,858 crore | +15.8% |
| Retail Deposit Mix | 73.96% | 68.22% | +5.7 pts |
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Bandhan Bank Share Price and Recent Performance
Bandhan Bank share price was trading around Rs 205.05, up 2.22 percent, on the National Stock Exchange, after touching an intraday high of Rs 206.58. The bank also disclosed that it completed the sale of a non-performing asset portfolio with a principal outstanding of Rs 291.44 crore to Assets Care and Reconstruction Enterprise for Rs 119.49 crore in June, part of its ongoing balance sheet clean-up efforts. Liquidity remains comfortable, with the quarterly average Liquidity Coverage Ratio at approximately 146.65 percent.
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What This Update Means for Bandhan Bank
The combination of strong 16.4 percent advances growth and a retail deposit mix at an all-time high suggests Bandhan Bank’s multi-year strategy of diversifying beyond pure microfinance and building a more granular, retail funded balance sheet is showing tangible results. The slower total deposit growth, driven by the deliberate reduction in bulk deposits, is a structural positive rather than a concern, since it should support the bank’s cost of funds over time even if it tempers headline deposit growth in the near term.
Conclusion
Bandhan Bank share price is in focus on 6 July 2026 after Q1 FY27 advances rose 16.4 percent to Rs 1.55 lakh crore, while the retail deposit mix climbed to an all-time high of 73.96 percent. The stock was trading around Rs 205.05 during the session. Track the bank’s continued balance sheet transformation and consult a SEBI registered advisor before making any investment decision.
Disclaimer: Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).
Frequently Asked Questions on Bandhan Bank Share Price
Why is Bandhan Bank share price in focus today?
Ans. Bandhan Bank share price is in focus because its Q1 FY27 provisional business update showed loans and advances rising 16.4 percent YoY to Rs 1.55 lakh crore, alongside the retail deposit mix hitting an all-time high of 73.96 percent.
What was Bandhan Bank’s Q1 FY27 advances growth?
Ans. Bandhan Bank reported loans and advances of Rs 1,55,513 crore as of 30 June 2026, up 16.4 percent from Rs 1,33,624 crore a year earlier.
How much did Bandhan Bank’s deposits grow in Q1 FY27?
Ans. Total deposits grew 6.6 percent YoY to Rs 1,64,886 crore, a slower pace than advances growth, driven by a deliberate 12.7 percent YoY reduction in bulk deposits as the bank shifts toward retail funding.
What is Bandhan Bank’s CASA ratio in Q1 FY27?
Ans. Bandhan Bank’s CASA ratio improved to 29.40 percent in Q1 FY27, up from 27.06 percent a year earlier, as CASA deposits grew 15.8 percent YoY to Rs 48,478 crore.
What was Bandhan Bank share price on 6 July 2026?
Ans. Bandhan Bank share price was trading around Rs 205.05, up 2.22 percent, after touching an intraday high of Rs 206.58 during the session.
Is Bandhan Bank share price a buy after this Q1 update?
Ans. This article does not constitute investment advice. Review the bank’s full quarterly results, including profitability and asset quality metrics, and consult a SEBI registered financial advisor before making any investment decision.
