Operating profit rose 30.86% year-on-year to ₹3,369 crore. On a quarter-on-quarter basis, net profit increased 14.33%, operating profit grew 8.07%, and net interest income (NII) rose 4.89%.
Net interest income (NII) rose 22% YoY to ₹3,954.4 crore from ₹3,247.6 crore in the year-ago period.
The bank's gross non-performing assets (NPA) ratio declined to 1.25% as of September 30, 2026, from 1.72% a year earlier and 1.45% as of June 30, 2026. The net NPA ratio fell to 0.12% from 0.18% a year earlier and 0.13% in the previous quarter.
The bank's total global business grew 25.16% YoY to ₹7,05,766 crore as of September 30, 2026, with global deposits rising 21.50% to ₹3,76,407 crore and gross global advances increasing 29.61% to ₹3,29,359 crore.
The provision coverage ratio stood at 98.53%, compared with 98.34% a year earlier and 98.55% in the June quarter.
The bank's cost-to-income ratio improved to 33.73% in Q2 FY27 from 37.10% in Q2 FY26 and 35.04% in the June 2026 quarter. Return on assets (ROA) improved to 2.02% from 1.82% a year earlier.
Domestic net interest margin (NIM) stood at 3.97%, while global NIM was 3.86%. Return on equity (ROE) stood at 26.98% for the quarter.
Net advances grew 30.16% YoY to ₹3,25,641 crore as of September 30, 2026. The bank's retail, agriculture and micro, small and medium enterprises (RAM) business expanded 24.69% during the period.
Retail advances increased 20.91% to ₹94,582 crore, while micro, small and medium enterprises (MSME) advances rose 24.69% to ₹58,049 crore. Overseas deposits stood at ₹721 crore, while the domestic credit-deposit ratio was 82.85%.
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