{"id":70683,"date":"2026-04-14T10:19:28","date_gmt":"2026-04-14T04:49:28","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=70683"},"modified":"2026-04-14T10:19:31","modified_gmt":"2026-04-14T04:49:31","slug":"bandhan-bank-q4-results-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/bandhan-bank-q4-results-2026\/","title":{"rendered":"Bandhan Bank Q4 Results 2026: Date, Revenue, PAT &#038; Analyst Outlook"},"content":{"rendered":"<p>Bandhan Bank (BANDHANBNK) Q4 FY26 results are scheduled for Apr 24, 2026, when the company&#8217;s board of directors will approve the financial statements for the January-March 2026 quarter. Trading at Rs 148 as of April 2026 \u2014 down -34% from its 52-week high of Rs 215 \u2014 the stock has been under pressure alongside its peers in the Private Banking \/ Microfinance sector. This Q4 results preview covers the confirmed results date, analyst consensus estimates, five key performance factors, five risks to monitor, analyst ratings, and the complete share price outlook.<\/p><p>Bandhan Bank&#8217;s Q4 FY26 earnings will be watched for signals on the company&#8217;s +8% loan growth trajectory, and whether operating metrics are recovering toward normalised levels. This article provides a structured preview based on analyst consensus data and publicly available financial information.<\/p><p><a href=\"https:\/\/univest.in\/user\/log-in\"><strong>Get free investment predictions on Univest<\/strong><\/a>.<\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-bank-q4-results-2026\/#Bandhan_Bank_Q4_Results_2026_Date\" title=\"Bandhan Bank Q4 Results 2026 Date\">Bandhan Bank Q4 Results 2026 Date<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-bank-q4-results-2026\/#Why_Q4_FY26_Matters\" title=\"Why Q4 FY26 Matters\">Why Q4 FY26 Matters<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-bank-q4-results-2026\/#Bandhan_Bank_Q4_FY26_Earnings_Estimates\" title=\"Bandhan Bank Q4 FY26 Earnings Estimates\">Bandhan Bank Q4 FY26 Earnings Estimates<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-bank-q4-results-2026\/#5_Key_Factors_Driving_Bandhan_Bank_Q4_FY26_Performance\" title=\"5 Key Factors Driving Bandhan Bank Q4 FY26 Performance\">5 Key Factors Driving Bandhan Bank Q4 FY26 Performance<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-bank-q4-results-2026\/#1_MFI_Microfinance_NPA_Stabilisation\" title=\"1. MFI (Microfinance) NPA Stabilisation\">1. MFI (Microfinance) NPA Stabilisation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-bank-q4-results-2026\/#2_Retail_and_Housing_Loan_Diversification\" title=\"2. Retail and Housing Loan Diversification\">2. Retail and Housing Loan Diversification<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-bank-q4-results-2026\/#3_Cost_of_Funds_Management\" title=\"3. Cost of Funds Management\">3. Cost of Funds Management<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-bank-q4-results-2026\/#4_West_Bengal_Geographic_Diversification\" title=\"4. West Bengal Geographic Diversification\">4. West Bengal Geographic Diversification<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-bank-q4-results-2026\/#5_Operating_Efficiency\" title=\"5. Operating Efficiency\">5. Operating Efficiency<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-bank-q4-results-2026\/#5_Risks_to_Watch_in_Bandhan_Bank_Q4_FY26\" title=\"5 Risks to Watch in Bandhan Bank Q4 FY26\">5 Risks to Watch in Bandhan Bank Q4 FY26<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-bank-q4-results-2026\/#Risk_1_MFI_NPA_Cycle\" title=\"Risk 1: MFI NPA Cycle\">Risk 1: MFI NPA Cycle<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-bank-q4-results-2026\/#Risk_2_Concentrated_Geography_%E2%80%94_West_Bengal\" title=\"Risk 2: Concentrated Geography \u2014 West Bengal\">Risk 2: Concentrated Geography \u2014 West Bengal<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-bank-q4-results-2026\/#Risk_3_High_NIM_Business_Model_Sustainability\" title=\"Risk 3: High NIM Business Model Sustainability\">Risk 3: High NIM Business Model Sustainability<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-bank-q4-results-2026\/#Risk_4_Competition_for_Retail_Deposits\" title=\"Risk 4: Competition for Retail Deposits\">Risk 4: Competition for Retail Deposits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-bank-q4-results-2026\/#Risk_5_Leadership_and_Governance\" title=\"Risk 5: Leadership and Governance\">Risk 5: Leadership and Governance<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-bank-q4-results-2026\/#Bandhan_Bank_Share_Price_and_Analyst_Ratings\" title=\"Bandhan Bank Share Price and Analyst Ratings\">Bandhan Bank Share Price and Analyst Ratings<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-bank-q4-results-2026\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-bank-q4-results-2026\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-bank-q4-results-2026\/#Q_When_is_Bandhan_Bank_Q4_results_2026_date\" title=\"Q: When is Bandhan Bank Q4 results 2026 date?\">Q: When is Bandhan Bank Q4 results 2026 date?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-bank-q4-results-2026\/#Q_What_is_Bandhan_Bank_Q4_FY26_revenue_estimate\" title=\"Q: What is Bandhan Bank Q4 FY26 revenue estimate?\">Q: What is Bandhan Bank Q4 FY26 revenue estimate?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-bank-q4-results-2026\/#Q_What_is_Bandhan_Bank_Q4_FY26_PAT_estimate\" title=\"Q: What is Bandhan Bank Q4 FY26 PAT estimate?\">Q: What is Bandhan Bank Q4 FY26 PAT estimate?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-bank-q4-results-2026\/#Q_Will_Bandhan_Bank_declare_a_dividend_in_Q4_FY26\" title=\"Q: Will Bandhan Bank declare a dividend in Q4 FY26?\">Q: Will Bandhan Bank declare a dividend in Q4 FY26?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-bank-q4-results-2026\/#Q_What_is_Bandhan_Bank_current_share_price\" title=\"Q: What is Bandhan Bank current share price?\">Q: What is Bandhan Bank current share price?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-bank-q4-results-2026\/#Q_What_were_Bandhan_Bank_Q3_FY26_results\" title=\"Q: What were Bandhan Bank Q3 FY26 results?\">Q: What were Bandhan Bank Q3 FY26 results?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-bank-q4-results-2026\/#Q_When_do_TCS_and_Infosys_announce_Q4_results_2026\" title=\"Q: When do TCS and Infosys announce Q4 results 2026?\">Q: When do TCS and Infosys announce Q4 results 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-bank-q4-results-2026\/#Q_Is_Bandhan_Bank_a_good_investment_ahead_of_Q4_results\" title=\"Q: Is Bandhan Bank a good investment ahead of Q4 results?\">Q: Is Bandhan Bank a good investment ahead of Q4 results?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/univest.in\/blogs-2\/bandhan-bank-q4-results-2026\/#Recent_Article\" title=\"Recent Article\">Recent Article<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bandhan_Bank_Q4_Results_2026_Date\"><\/span><strong>Bandhan Bank Q4 Results 2026 Date<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><p>The Bandhan Bank Q4 FY26 results date is Apr 24, 2026. The board of directors will meet to approve the audited consolidated and standalone financial results for the quarter ended March 31, 2026, and the full year FY2025-26.<\/p><p>Here is a broader view of the Q4 FY26 results calendar for reference:<\/p><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Results Date<\/strong><\/td><td><strong>Key Metric<\/strong><\/td><\/tr><tr><td>[object Object]<\/td><td>April 9, 2026 (Declared)<\/td><td>FY27 revenue guidance, deal TCV<\/td><\/tr><tr><td>[object Object]<\/td><td>April 23, 2026<\/td><td>CC growth guidance for FY27<\/td><\/tr><tr><td>Bharat Electronics (BEL)<\/td><td>May 8, 2026<\/td><td>Order book execution, EBITDA margin<\/td><\/tr><tr><td>Bharat Forge<\/td><td>May 10, 2026<\/td><td>Global CV + defence execution<\/td><\/tr><tr><td>Bandhan Bank<\/td><td>Apr 24, 2026<\/td><td>See estimates below<\/td><\/tr><\/tbody><\/table><\/figure><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Q4_FY26_Matters\"><\/span><strong>Why Q4 FY26 Matters<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><p>Q4 (January-March) is the final quarter of FY26, making it the most important earnings event of the year. Beyond the quarterly numbers, investors will receive: full-year FY26 financial summary, management commentary on FY27 business outlook, and the final dividend recommendation for FY26 shareholders.<\/p><p>For Bandhan Bank specifically, Q4 FY26 captures the peak season dynamics of the Private Banking \/ Microfinance sector. Management&#8217;s commentary on FY27 demand visibility will set the investment narrative for the next 12 months.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bandhan_Bank_Q4_FY26_Earnings_Estimates\"><\/span><strong>Bandhan Bank Q4 FY26 Earnings Estimates<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"536\" src=\"https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/14101611\/Bandhan-Bank-Q4-FY26-analyst-consensus-estimates-1024x536.jpg\" alt=\"Bandhan Bank Q4 FY26 analyst consensus estimates \u2014 Revenue, PAT, Margin\" class=\"wp-image-70687\" srcset=\"https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/14101611\/Bandhan-Bank-Q4-FY26-analyst-consensus-estimates-1024x536.jpg 1024w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/14101611\/Bandhan-Bank-Q4-FY26-analyst-consensus-estimates-300x157.jpg 300w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/14101611\/Bandhan-Bank-Q4-FY26-analyst-consensus-estimates-768x402.jpg 768w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/14101611\/Bandhan-Bank-Q4-FY26-analyst-consensus-estimates-900x471.jpg 900w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/14101611\/Bandhan-Bank-Q4-FY26-analyst-consensus-estimates-600x314.jpg 600w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/14101611\/Bandhan-Bank-Q4-FY26-analyst-consensus-estimates-150x79.jpg 150w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/14101611\/Bandhan-Bank-Q4-FY26-analyst-consensus-estimates.jpg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><p><a href=\"https:\/\/univest.in\/user\/log-in\"><strong>Access premium research on Univest<\/strong><\/a>.<\/p><p>Based on publicly available analyst consensus, here are the Q4 FY26 estimates for Bandhan Bank:<\/p><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Metric<\/strong><\/td><td><strong>Q4 FY26 Estimate<\/strong><\/td><td><strong>Q3 FY26 Actual<\/strong><\/td><td><strong>Trend<\/strong><\/td><\/tr><tr><td>Revenue<\/td><td>Rs 5,800 Cr<\/td><td>Rs 5,420 Cr<\/td><td>QoQ expected improvement<\/td><\/tr><tr><td>Net Profit (PAT)<\/td><td>Rs 680 Cr<\/td><td>Rs 556 Cr<\/td><td>Normalisation expected<\/td><\/tr><tr><td>Margin<\/td><td>NIM 7.2%<\/td><td>Q3 FY26 margin<\/td><td>QoQ trend<\/td><\/tr><tr><td>Volume \/ Growth Driver<\/td><td>+8% loan growth<\/td><td>Prior quarter<\/td><td>YoY<\/td><\/tr><tr><td>Dividend (Expected)<\/td><td>Rs 1 (expected)<\/td><td>FY26 interim dividends<\/td><td>Final dividend<\/td><\/tr><\/tbody><\/table><\/figure><p>Screen <strong>Bandhan Bank<\/strong> live fundamentals on the <a href=\"https:\/\/univest.in\/screeners\"><strong>Univest Screener<\/strong><\/a>.<\/p><p>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> for real-time Q4 result alerts and analyst updates.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Key_Factors_Driving_Bandhan_Bank_Q4_FY26_Performance\"><\/span><strong>5 Key Factors Driving Bandhan Bank Q4 FY26 Performance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_MFI_Microfinance_NPA_Stabilisation\"><\/span><strong>1. MFI (Microfinance) NPA Stabilisation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Bandhan Bank&#8217;s microfinance portfolio \u2014 historically 40-45% of its loan book \u2014 has been the source of elevated NPAs in FY26. Q4 is typically a seasonally better quarter for MFI collections as rabi harvest improves rural cash flows. Any stabilisation or improvement in MFI GNPA would be the single most important positive signal.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Retail_and_Housing_Loan_Diversification\"><\/span><strong>2. Retail and Housing Loan Diversification<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Bandhan has been accelerating its shift away from MFI dependence toward retail mortgages, small business loans, and consumer loans. Retail loan book growth above 15% would demonstrate successful diversification.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Cost_of_Funds_Management\"><\/span><strong>3. Cost of Funds Management<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Bandhan Bank&#8217;s cost of deposits has been elevated due to its need to raise retail deposits at competitive rates. Any reduction in cost of funds through CASA improvement would expand NIM.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_West_Bengal_Geographic_Diversification\"><\/span><strong>4. West Bengal Geographic Diversification<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Bandhan Bank has been reducing its concentration in West Bengal (which was 40%+ of its loan book). Geographic diversification reduces political and economic concentration risk.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Operating_Efficiency\"><\/span><strong>5. Operating Efficiency<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Cost-to-income ratio improvement from branch productivity and digital channel adoption would improve PAT growth.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Risks_to_Watch_in_Bandhan_Bank_Q4_FY26\"><\/span><strong>5 Risks to Watch in Bandhan Bank Q4 FY26<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Risk_1_MFI_NPA_Cycle\"><\/span><strong>Risk 1: MFI NPA Cycle<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>If MFI NPAs continue rising into Q4 FY26, provisions would consume earnings.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Risk_2_Concentrated_Geography_%E2%80%94_West_Bengal\"><\/span><strong>Risk 2: Concentrated Geography \u2014 West Bengal<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Despite diversification efforts, Bandhan remains heavily exposed to West Bengal&#8217;s economic and political environment.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Risk_3_High_NIM_Business_Model_Sustainability\"><\/span><strong>Risk 3: High NIM Business Model Sustainability<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Bandhan&#8217;s high NIM business model (built on MFI lending rates) faces regulatory pressure as RBI scrutinises microfinance interest rates.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Risk_4_Competition_for_Retail_Deposits\"><\/span><strong>Risk 4: Competition for Retail Deposits<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Bandhan offers high deposit rates to attract retail deposits. Rate competition from HDFC Bank and Kotak squeezes Bandhan&#8217;s liability franchise.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Risk_5_Leadership_and_Governance\"><\/span><strong>Risk 5: Leadership and Governance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Management succession and governance quality have been investor concerns since the founder CEO&#8217;s tenure changes.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bandhan_Bank_Share_Price_and_Analyst_Ratings\"><\/span><strong>Bandhan Bank Share Price and Analyst Ratings<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"931\" height=\"486\" src=\"https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/14101509\/image-682.jpeg\" alt=\"Bandhan Bank share price and analyst ratings \u2014 Q4 FY26 preview\" class=\"wp-image-70684\" srcset=\"https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/14101509\/image-682.jpeg 931w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/14101509\/image-682-300x157.jpeg 300w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/14101509\/image-682-768x401.jpeg 768w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/14101509\/image-682-900x470.jpeg 900w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/14101509\/image-682-600x313.jpeg 600w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/14101509\/image-682-150x78.jpeg 150w\" sizes=\"(max-width: 931px) 100vw, 931px\" \/><\/figure><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameter<\/strong><\/td><td><strong>Value<\/strong><\/td><\/tr><tr><td>CMP (April 2026)<\/td><td>Rs 148<\/td><\/tr><tr><td>52-Week High<\/td><td>Rs 215<\/td><\/tr><tr><td>52-Week Low<\/td><td>Rs 125<\/td><\/tr><tr><td>1-Year Return<\/td><td>-34%<\/td><\/tr><tr><td>Market Capitalisation<\/td><td>Rs 24,000 Cr<\/td><\/tr><tr><td>Sector<\/td><td>Private Banking \/ Microfinance<\/td><\/tr><tr><td>NSE Ticker<\/td><td>BANDHANBNK<\/td><\/tr><\/tbody><\/table><\/figure><p>Analyst ratings and target prices based on publicly available brokerage research:<\/p><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Brokerage<\/strong><\/td><td><strong>Rating<\/strong><\/td><td><strong>Target Price<\/strong><\/td><td><strong>Investment Thesis<\/strong><\/td><\/tr><tr><td>MOFSL<\/td><td>BUY<\/td><td>Rs 195<\/td><td>MFI NPA peaking; diversification gaining traction<\/td><\/tr><tr><td>Emkay<\/td><td>ADD<\/td><td>Rs 180<\/td><td>Q4 collection seasonality positive for MFI book<\/td><\/tr><tr><td>CLSA<\/td><td>NEUTRAL<\/td><td>Rs 155<\/td><td>MFI uncertainty limits conviction<\/td><\/tr><\/tbody><\/table><\/figure><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><p>Bandhan Bank Q4 FY26 results on April 24 will be the most important quarter for the bank in recent memory. MFI NPA stabilisation is the binary catalyst \u2014 if collections improve in the seasonally better Q4, the recovery narrative becomes credible. At Rs 148 and 0.9x book, the stock is genuinely cheap if MFI stress peaks here.<\/p><p><strong>Disclaimer: <\/strong>Investment in the share market is subject to risk. This article is for informational and educational purposes only and does not constitute investment advice. All financial data and analyst estimates are sourced from publicly available information including NSE\/BSE filings and company investor relations pages. Verify all numbers before investing. Consult a SEBI-registered advisor before making investment decisions.<\/p><p>For more Q4 FY26 results previews, visit <a href=\"https:\/\/univest.in\/blogs\">Univest Blogs<\/a>.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Q_When_is_Bandhan_Bank_Q4_results_2026_date\"><\/span><strong>Q: When is Bandhan Bank Q4 results 2026 date?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Bandhan Bank Q4 FY26 results date is Apr 24, 2026. The board of directors will meet on this date to approve the quarterly and full-year FY26 financial results and consider recommending a final dividend.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Q_What_is_Bandhan_Bank_Q4_FY26_revenue_estimate\"><\/span><strong>Q: What is Bandhan Bank Q4 FY26 revenue estimate?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Analyst consensus estimate for Bandhan Bank Q4 FY26 revenue is Rs 5,800 Cr. Q3 FY26 actual revenue was Rs 5,420 Cr. Actual Q4 results may vary based on operating conditions.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Q_What_is_Bandhan_Bank_Q4_FY26_PAT_estimate\"><\/span><strong>Q: What is Bandhan Bank Q4 FY26 PAT estimate?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Analyst consensus estimate for Bandhan Bank Q4 FY26 net profit (PAT) is Rs 680 Cr. Q3 FY26 actual PAT was Rs 556 Cr. Estimates are indicative and not guaranteed.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Q_Will_Bandhan_Bank_declare_a_dividend_in_Q4_FY26\"><\/span><strong>Q: Will Bandhan Bank declare a dividend in Q4 FY26?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Bandhan Bank is expected to declare Rs 1 (expected) for FY26, subject to board approval at the Apr 24, 2026 board meeting and subsequent shareholder approval at the AGM.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Q_What_is_Bandhan_Bank_current_share_price\"><\/span><strong>Q: What is Bandhan Bank current share price?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Bandhan Bank is trading at Rs 148 as of April 2026, with a 52-week range of Rs 125 to Rs 215. The 1-year return is -34%.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Q_What_were_Bandhan_Bank_Q3_FY26_results\"><\/span><strong>Q: What were Bandhan Bank Q3 FY26 results?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>In Q3 FY26, Bandhan Bank reported revenue of Rs 5,420 Cr and net profit (PAT) of Rs 556 Cr. The Q4 FY26 results on Apr 24, 2026 will provide a comparison to assess sequential and year-on-year trends.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Q_When_do_TCS_and_Infosys_announce_Q4_results_2026\"><\/span><strong>Q: When do TCS and Infosys announce Q4 results 2026?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>TCS declared Q4 FY26 results on April 9, 2026 (see the Bandhan Bank earnings calendar table above). Infosys is scheduled to declare results on April 23, 2026. Both are covered in detail on Univest Blogs.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Q_Is_Bandhan_Bank_a_good_investment_ahead_of_Q4_results\"><\/span><strong>Q: Is Bandhan Bank a good investment ahead of Q4 results?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>This article does not constitute investment advice. Bandhan Bank trades at Rs 148 with a 52-week range of Rs 125 to Rs 215. Analyst consensus targets and the Q4 FY26 estimates suggest monitoring the results date closely. Consult a SEBI-registered financial advisor for personalised investment guidance.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Recent_Article\"><\/span><strong>Recent Article<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><p><a href=\"https:\/\/univest.in\/blogs\/balkrishna-industries-q4-results-2026\">Balkrishna Industries Q4 Results 2026: Date, Revenue, PAT &amp; Analyst Outlook<\/a><\/p><p><a href=\"https:\/\/univest.in\/blogs\/balkrishna-paper-mills-q4-results-2026\">Balkrishna Paper Mills Q4 Results 2026: Date, Revenue, PAT &amp; Analyst Outlook<\/a><\/p><p><a href=\"https:\/\/univest.in\/blogs\/balaxi-pharmaceuticals-q4-results-2026\">BALAXI PHARMACEUTICALS Q4 Results 2026: Date, Revenue, PAT &amp; Analyst Outlook<\/a><\/p><p><a href=\"https:\/\/univest.in\/blogs\/balaji-telefilms-q4-results-2026\">Balaji Telefilms Q4 Results 2026: Date, Revenue, PAT &amp; Analyst Outlook<\/a><\/p><p><a href=\"https:\/\/univest.in\/blogs\/balaji-amines-q4-results-2026\">Balaji Amines Q4 Results 2026: Date, Revenue, PAT &amp; Analyst Outlook<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Bandhan Bank (BANDHANBNK) Q4 FY26 results are scheduled for Apr 24, 2026, when the company&#8217;s board of directors will approve the financial statements for the January-March 2026 quarter. Trading at Rs 148 as of April 2026 \u2014 down -34% from its 52-week high of Rs 215 \u2014 the stock has been under pressure alongside its<\/p>\n","protected":false},"author":28,"featured_media":70688,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[842],"tags":[3802,3858],"class_list":["post-70683","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-news","tag-q4-results"],"metadata":{"_edit_lock":["1776142251:28"],"_last_editor_used_jetpack":["block-editor"],"rank_math_internal_links_processed":["1"],"amazonS3_cache":["a:6:{s:62:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/04\/image-682.jpeg\";a:2:{s:2:\"id\";i:70684;s:11:\"source_type\";s:13:\"media-library\";}s:94:\"\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/14101509\/image-682.jpeg\";a:2:{s:2:\"id\";i:70684;s:11:\"source_type\";s:13:\"media-library\";}s:100:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/04\/Bandhan-Bank-Q4-FY26-analyst-consensus-estimates.jpg\";a:2:{s:2:\"id\";i:70687;s:11:\"source_type\";s:13:\"media-library\";}s:109:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/04\/Bandhan-Bank-Q4-FY26-analyst-consensus-estimates-1024x536.jpg\";a:2:{s:2:\"id\";i:70687;s:11:\"source_type\";s:13:\"media-library\";}s:132:\"\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/14101611\/Bandhan-Bank-Q4-FY26-analyst-consensus-estimates.jpg\";a:2:{s:2:\"id\";i:70687;s:11:\"source_type\";s:13:\"media-library\";}s:141:\"\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/14101611\/Bandhan-Bank-Q4-FY26-analyst-consensus-estimates-1024x536.jpg\";a:2:{s:2:\"id\";i:70687;s:11:\"source_type\";s:13:\"media-library\";}}"],"rank_math_primary_category":["842"],"rank_math_seo_score":["77"],"rank_math_description":["Bandhan Bank Q4 results date is Apr 24, 2026. Revenue estimate Rs 5,800 Cr, PAT estimate Rs 680 Cr. 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