Bandhan Bank Q4 Results 2026: Date, Revenue, PAT & Analyst Outlook

Tue Apr 14 2026

Bandhan Bank (BANDHANBNK) Q4 FY26 results are scheduled for Apr 24, 2026, when the company’s board of directors will approve the financial statements for the January-March 2026 quarter. Trading at Rs 148 as of April 2026 — down -34% from its 52-week high of Rs 215 — 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.

Bandhan Bank’s Q4 FY26 earnings will be watched for signals on the company’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.

Get free investment predictions on Univest.

Table of Contents

Bandhan Bank Q4 Results 2026 Date

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.

Here is a broader view of the Q4 FY26 results calendar for reference:

Company	Results Date	Key Metric
[object Object]	April 9, 2026 (Declared)	FY27 revenue guidance, deal TCV
[object Object]	April 23, 2026	CC growth guidance for FY27
Bharat Electronics (BEL)	May 8, 2026	Order book execution, EBITDA margin
Bharat Forge	May 10, 2026	Global CV + defence execution
Bandhan Bank	Apr 24, 2026	See estimates below

Why Q4 FY26 Matters

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.

For Bandhan Bank specifically, Q4 FY26 captures the peak season dynamics of the Private Banking / Microfinance sector. Management’s commentary on FY27 demand visibility will set the investment narrative for the next 12 months.

Bandhan Bank Q4 FY26 Earnings Estimates

Bandhan Bank Q4 FY26 analyst consensus estimates — Revenue, PAT, Margin

Access premium research on Univest.

Based on publicly available analyst consensus, here are the Q4 FY26 estimates for Bandhan Bank:

Metric	Q4 FY26 Estimate	Q3 FY26 Actual	Trend
Revenue	Rs 5,800 Cr	Rs 5,420 Cr	QoQ expected improvement
Net Profit (PAT)	Rs 680 Cr	Rs 556 Cr	Normalisation expected
Margin	NIM 7.2%	Q3 FY26 margin	QoQ trend
Volume / Growth Driver	+8% loan growth	Prior quarter	YoY
Dividend (Expected)	Rs 1 (expected)	FY26 interim dividends	Final dividend

Screen Bandhan Bank live fundamentals on the Univest Screener.

Download the Univest iOS App or Univest Android App for real-time Q4 result alerts and analyst updates.

5 Key Factors Driving Bandhan Bank Q4 FY26 Performance

1. MFI (Microfinance) NPA Stabilisation

Bandhan Bank’s microfinance portfolio — historically 40-45% of its loan book — 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.

2. Retail and Housing Loan Diversification

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.

3. Cost of Funds Management

Bandhan Bank’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.

4. West Bengal Geographic Diversification

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.

5. Operating Efficiency

Cost-to-income ratio improvement from branch productivity and digital channel adoption would improve PAT growth.

5 Risks to Watch in Bandhan Bank Q4 FY26

Risk 1: MFI NPA Cycle

If MFI NPAs continue rising into Q4 FY26, provisions would consume earnings.

Risk 2: Concentrated Geography — West Bengal

Despite diversification efforts, Bandhan remains heavily exposed to West Bengal’s economic and political environment.

Risk 3: High NIM Business Model Sustainability

Bandhan’s high NIM business model (built on MFI lending rates) faces regulatory pressure as RBI scrutinises microfinance interest rates.

Risk 4: Competition for Retail Deposits

Bandhan offers high deposit rates to attract retail deposits. Rate competition from HDFC Bank and Kotak squeezes Bandhan’s liability franchise.

Risk 5: Leadership and Governance

Management succession and governance quality have been investor concerns since the founder CEO’s tenure changes.

Bandhan Bank Share Price and Analyst Ratings

Parameter	Value
CMP (April 2026)	Rs 148
52-Week High	Rs 215
52-Week Low	Rs 125
1-Year Return	-34%
Market Capitalisation	Rs 24,000 Cr
Sector	Private Banking / Microfinance
NSE Ticker	BANDHANBNK

Analyst ratings and target prices based on publicly available brokerage research:

Brokerage	Rating	Target Price	Investment Thesis
MOFSL	BUY	Rs 195	MFI NPA peaking; diversification gaining traction
Emkay	ADD	Rs 180	Q4 collection seasonality positive for MFI book
CLSA	NEUTRAL	Rs 155	MFI uncertainty limits conviction

Conclusion

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 — 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.

Disclaimer: 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.

For more Q4 FY26 results previews, visit Univest Blogs.

Frequently Asked Questions

Q: When is Bandhan Bank Q4 results 2026 date?

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.

Q: What is Bandhan Bank Q4 FY26 revenue estimate?

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.

Q: What is Bandhan Bank Q4 FY26 PAT estimate?

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.

Q: Will Bandhan Bank declare a dividend in Q4 FY26?

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.

Q: What is Bandhan Bank current share price?

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%.

Q: What were Bandhan Bank Q3 FY26 results?

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.

Q: When do TCS and Infosys announce Q4 results 2026?

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.

Q: Is Bandhan Bank a good investment ahead of Q4 results?

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.