Financial Results for the Quarter and Year Ended 31st March 2026

Key Highlights of the Results -Q4 FY-2025-26

• Business Growth – Total Business of the Bank stood at Rs.5,90,314 Crore as on 31.03.2026 registering a growth of 14.95% on Y-o-Y basis, wherein Gross Advances grew by 19.44% on Y-o-Y basis to Rs.2,62,752 Crore & Total Deposits grew by 11.59% on Y-o-Y basis to Rs.3,27,563 Crore.
• CASA Growth – Total CASA stood at Rs. 1,17,752 Crore as on 31.03.2026 registering a growth of 12.46% on Y-o-Y basis, Savings Deposit stood at Rs. 1,01,025 Crore registering a growth of 11.78% on Y-o-Y basis and Current Deposit stood at Rs. 16727 Crore registering a growth of 16.77% on Y-o-Y basis.
• CASA ratio improved by 74bps to 38.65%.
• Profitability– Net profit for the quarter ending 31.03.2026 stood at Rs.801Crore as against Rs.653 Crore as on 31.03.2025 registering 22.66% growth on Y-o-Y basis.  Operating Profit for the quarter ended 31.03.2026 stood at Rs.1,573 Crore. Net Interest Margin (NIM)- Global stood at 3.00% and Domestic NIM at 3.19% for the quarter ended 31.03.2026.
• Advances in Retail, Agriculture & MSME (RAM) Sectors – RAM segment of the Bank increased by 24.23% to Rs. 1,52,324 Crore Y-o-Y backed by 26.62% Y-o-Y growth in Retail advances 26.24% Y-o-Y growth in Agriculture advances and 19.36 % Y-o-Y growth in MSME advances.
• Reduction in NPA – Gross NPA reduced by 52 bps Y-o-Y to 2.17% as on 31.03.2026 whereas Net NPA reduced by 23 bps Y-o-Y to 0.27% as on 31.03.2026.
• Capital Adequacy Ratio – Capital Adequacy Ratio (CRAR) stood at 18.61% as on 31.03.2026 with Tier I Capital Ratio of 16.59%.
• Credit to Deposit Ratio – Stood at 80.21% as on 31.03.2026 as against 74.94% as on 31.03.2025.
• Dividend @ 4.40% (i.e @ 44paise per equity share) is proposed for the year 2025-26 subject to approval from shareholders in ensuing Annual General Meeting of the Bank

Profitability (Quarter Ended March 31st, 2026):

• Net Profit for the quarter ended 31.03.2026 stood at Rs.801 Crore as against Rs.653 Crore for the same period in the preceding year, registering a growth of 22.66% Y-o-Y.
• Net Interest Margin (NIM)- Global stood at 3% and Domestic NIM at 3.19% for the quarter ended 31.03.2026.
• Cost of fund improved by 31 bps Y-o-Y to 4.47% for the quarter ended 31.03.2026.
• Yield on Advances (Domestic) stood at 8.18% for the quarter ended 31.03.2026.
• Cost to Income ratio improved by 581 bps Y-o-Y at 52.66% for the quarter ended 31.03.2026.
• Return on Asset (ROA) stood at 0.87% showing an improvement of 10 bps on Y-o-Y basis
• Fee based Income grew by 32.65% Y-o-Y basis to Rs.516 Crore as on 31.03.2026 as against Rs.389 Crore as on 31.03.2025.

Profitability ( Year Ended March 31st,2026):

• Operating Profit has shown a growth of 6.49% on Y-o-Y basis to Rs.6429 Crore as against Rs.6037 Crore for the year ended 31.03.2025.
• Net Profit grew by 13.21% Y-o-Y to Rs.2768 Crore as on 31.03.2026 against Rs.2445 Crore for the year ended 31.03.2025.
• Net interest income (NII)grew by 5.89% on Y-o-Y basis to Rs.10197 Crore for the year ended 31.03.2026 as against Rs.9630 Crore for the year ended 31.03.2025.
• Return on Asset (ROA) for the year ended 31.03.2026 stood at 0.79%.
• Fee based Income grew by 25.40% on Y-o-Y basis to Rs.1733 Crore for the year ended 31.03.2026 as against Rs.1382 Crore for the year ended 31.03.2025.

Asset & Liabilities (As on March 31st ,2026)

• Retail Advances stood at Rs.68,697 Crore as on 31.03.2026 as against Rs.54,255 Crore as on 31.03.2025 registering a Y-o-Y growth of 26.62%, backed by growth in Home loan and Vehicle loan portfolio which registered a growth of 19.11% and 71.12% respectively on Y-o-Y basis.
• Agriculture Advances stood at Rs.37,336 Crore as on 31.03.2026 as against Rs.29,575 Crore as on 31.03.2025, showing a growth of 26.24% on  Y-o-Y basis.
• Advances to MSME sector stood at Rs.46,291 Crore as on 31.03.2026 as against Rs.38,783 Crore as on 31.03.2025, registered a growth of 19.36% on  Y-o-Y basis.

Asset Quality:

• Provision Coverage Ratio stood at 97.79% as on 31.03.2026. Tangible PCR stood at 87.66% as on 31.03.2026.
• Slippage Ratio for the year ended on 31.03.2026 stood at 0.78%.

Operational Efficiency:

• Business per employee improved to 28.08 Crore as on 31.03.2026 as against Rs.24.35 Crore as on 31.03.2025.
• Business per Branch improved to 172.91 Crore as on 31.03.2026 as against Rs.155.43 Crore as on 31.03.2025.

Branch Network:

• Total number of branches as on 31.03.2026: 3412 Domestic branches, 2 overseas branches each at Hong Kong and Singapore and 1 Representative Office in Iran.
• 61 percent of Domestic Branches are spread in Rural & Semi-Urban region, providing thrust to Financial Inclusion Programs.