The public sector and private sector banks have released the financial results for Q1FY27.
| Bank | Results |
|---|---|
| Bank of India (BoI) | Click Here |
| Punjab & Sind Bank | Click Here |
| Central Bank of India | Click Here |
| Union Bank of India | Click Here |
| Indian Overseas Bank | Click Here |
| Bank of Maharashtra | Click Here |
| State Bank of India (SBI) | Click Here |
| Punjab National Bank (PNB) | Click Here |
| Bank of Baroda (BoB) | Click Here |
| Canara Bank | Click Here |
| Indian Bank | Click Here |
| UCO Bank | Click Here |
The private sector lender posted a net profit of ₹1,075 crore for the quarter, up 132.2% from ₹463 crore in the corresponding period last year.
NII, the difference between interest earned and interest paid, increased 21% YoY to ₹5,972 crore from ₹4,933 crore a year earlier, reflecting healthy growth in the bank's core lending business. Net Interest Margin (NIM) of the Bank improved to 5.96% in Q1 FY27 from 5.71% in Q1 FY26, up 25 bps. On QOQ, basis it was up by 3 bps.
Operating profit rose 14% YoY to ₹2,553 crore during the quarter, compared with ₹2,239 crore in the year-ago period.
The bank's provisions declined to ₹1,144 crore from ₹1,659 crore in the corresponding quarter last year, although they were higher than ₹869 crore reported in the previous quarter.
Asset quality improved sequentially during the quarter. Gross non-performing assets (GNPA) stood at 1.51% at the end of the June quarter, compared with 1.61% in the March quarter. Net non-performing assets (NNPA) also improved to 0.44% from 0.48% in the preceding quarter.
Total customer business, comprising loans and customer deposits, rose 18.6% year-on-year (YoY) to Rs. 6,04,776 crore as of June 30, 2026, from Rs. 5,10,031 crore a year earlier. On a quarter-on-quarter (QoQ) basis, total customer business grew 5.2%.
The bank's loans and advances, including credit substitutes, increased 20.6% YoY to Rs. 3,05,370 crore from Rs. 2,53,233 crore, while growing 5.2% sequentially. The incremental growth was primarily driven by mortgages, vehicle loans, corporate loans and consumer loans. The retail, agriculture and MSME (RAM) portfolio expanded 18.2% YoY to Rs. 2,41,118 crore and grew 3.8% QoQ. Meanwhile, the wholesale loan book registered stronger growth, rising 30.4% YoY to Rs. 64,252 crore and 11% QoQ.
Customer deposits climbed 16.6% YoY to Rs. 2,99,405 crore as of June 30, 2026, while increasing 5.3% from the previous quarter. CASA deposits grew 24.6% YoY and 8.1% QoQ to Rs. 1,58,492 crore, taking the CASA ratio to 50.8%, compared with 48% a year ago and 49.8% in the March quarter.
The bank's return on assets (RoA) improved to 1.06% in Q1 FY27 from 0.54% in the corresponding quarter last year. Its capital adequacy ratio stood at 15.05%, including a Common Equity Tier-I (CET-I) ratio of 13.33%.
The lender's asset quality improved in Q1FY27.Private sector lender IndusInd Bank on July 22 reported 47% jump in standalone net profit at Rs 1,003 crore for the quarter ended June 30, 2026, helped by a drop in funds set aside for potential bad loans.
It reported standalone net profit of Rs 684 crore in the year-ago period.The lender's asset quality improved in Q1FY27.Gross NPA and Net NPA ratios were at 3.25% and 0.95% in Q1FY27 as compared to 3.64% and 1.12%, respectively, in Q1FY26.
Net Interest Income (NII) in Q1 FY27 is at Rs 4,685 crore as compared to Rs 4,640 crore in Q1FY26, a rise of 1%. Net interest margin was at 3.57% for Q1FY27 as compared to 3.46% for Q1FY26.
IndusInd's loans rose 3.3% from the previous quarter, marking the first sequential increase in six quarters. However, they were still down 2.3% from a year earlier.
From Rs 3,166 crore in Q1 FY26 to Rs 3,486 crore in Q1 FY27, the bank's net interest income—the difference between interest received and interest expenses—rose more than 10% year over year.
Although it improved year over year, IDBI Bank's asset quality has somewhat deteriorated during the March quarter. Compared to 0.15% in Q4 FY26 and 0.21% in Q1 FY26, the lender's net non-performing asset ratio was 0.16%.
Provisions and contingencies stood at a negative Rs 637 crore, as against a negative Rs 179 crore in the year-ago period. Capital adequacy ratio, meanwhile, increased to 26.92% during the quarter under review, while return on assets stood at 1.89%.
IDBI Bank’s total deposits grew 10% YoY to Rs 3.26 lakh crore, while net advances rose 22% YoY to Rs 2.59 lakh crore. Credit deposit ratio stood at 79.5%, marking an improvement by 810 bps YoY and 644 bps QoQ. Net interest margin (NIM) stood at 3.61%. The lender’s total balance sheet increased 10% YoY to Rs 4.44 lakh crore.
The company’s current account savings account ratio stood at 43.64%, marking a 99 bps fall since June last year. CASA, meanwhile, grew 7% YoY to Rs 1.42 lakh crore in Q1 FY27.
Over a longer term, IDBI Bank shares have delivered a negative return of 13% over one year, but positive returns of 50% in three years and 130% in five years. The company has a market capitalisation of nearly Rs 93,546 crore.
For the quarter, the net interest margin (NIM) was 3.26 percent on total assets and 3.40 percent on assets that generated interest.
The average deposits at the nation's biggest private lender increased by 10.8% year over year to Rs 30,386 billion, while advances increased by 13.3% YoY to Rs 30,115 billion.
On the asset quality front, gross non-performing assets (GNPAs) stood at 1.17 percent of gross advances as on June 30, 2026, compared with 1.15 percent as on March 31, 2026, and 1.40 percent a year earlier. Net non-performing assets (NNPAs) were at 0.41 percent of net advances as of June 30, 2026.
Furthermore, the bank reported a return on assets (RoA) of 1.85 percent for the June quarter. The bank’s total Capital Adequacy Ratio (CAR) as per Basel III guidelines was at 19.6 percent as of June 30, as compared to 19.9 percent, in the previous corresponding quarter.
Provisions and contingencies for the quarter stood at Rs 30.6 billion, while the total credit cost ratio was 0.40 percent.
As of June 30, 2026, the Bank’s distribution network was at 9,694 branches, as against 9,499 branches as at the end of June 2025.
In Q1 FY27, net interest income (NII) increased 9% year over year to Rs 7,928 crore from Rs 7,259 crore in the same time the previous year. In the meantime, the bank's net worth increased by more than 14% year over year to Rs 1.4 lakh crore.
While NPA ratios climbed sequentially, asset quality improved year over year. Net NPA increased 7.5% QoQ from Rs 1,262 crore in Q4 FY26 but decreased 11% YoY to Rs 1,358 crore in Q1 FY27 from Rs 1,531 crore in Q1 FY26.
Gross NPA, meanwhile, dropped 8% YoY to Rs 6,122 crore. Gross NPA ratio shrunk to 1.18%, while net NPA ratio stood at 0.27%. Fresh slippages witnessed a 27% YoY decline to Rs 1,321 crore during the quarter under review.
Kotak Mahindra Bank’s provision and contingencies decreased 45% YoY to Rs 668 crore, while RoE ratio stood at 11.98% during the first quarter, as against 10.94% in Q1 FY26 and 12.27% in Q4 FY26.
The private lender’s CASA ratio stood at 40.3% as on June 30, 2026, while CD ratio was reported at 89.4%. Total deposits rose 14% YoY to Rs 5.59 lakh crore, while net advances grew 15% YoY to Rs 5.12 lakh crore.
Kotak Mahindra Bank’s net interest margin (NIM), however, reduced to 4.53% in the April-June quarter of FY27, from 4.65% in Q1 FY26 and 4.67% in Q4 FY26. Total period-end deposits grew to Rs 5.73 lakh crore for Q1 FY27, up 12% YoY from Rs 5.13 lakh crore for Q1 FY26. Credit-to-deposit ratio as on June 30, 2026 stood at 89.4%, as against 86.7% as on June 30, 2025.
The private lender reported Advances Growth at 18.3% Y-o-Y and 4.3% Q-o-Q; Deposits growth at 14.3% Y-o-Y; On an Average Quarterly Balance (AQB) basis, Advances and Deposits growth at 15.1% Y-o-Y and 14.8% Y-o-Y, respectively.
CASA Deposits stood at 14.3% Y-o-Y; on an AQB1 basis, CASA growth was stronger at 15.0% Y-o-Y.
Advances Growth stood at 18.3% Y-o-Y and 4.3% Q-o-Q; Deposits growth grew by 14.3% Y-o-Y. On AQB basis, Advances and Deposits growth stood at 15.1% Y-o-Y and 14.8% Y-o-Y, respectively. Continued momentum in Retail Assets Disbursement went up 27.5% Y-o-Y.
Commenting on the results and financial performance, Vinay M. Tonse, Managing Director & CEO at Yes Bank, said, “YES BANK has begun FY27 on a strong footing, with Q1 Net Profit growing ~34% Y-o-Y to INR 1,071 Crs.
Yes Bank reported a significant improvement in Asset Quality, with the GNPA ratio at 1.3%, down 30 bps Y-o-Y, and the NNPA ratio at 0.2%, down 10 bps Y-o-Y. The private lender reported Retail Slippages at the lowest in the past 10 quarters at INR 843 Crs (2.7% of Advances) v/s ₹888 crore (2.8% of Advances) in Q4FY26.
Net Credit Costs for the quarter stood 0.3% of Average assets against 0.3% in Q1FY26.
In Q4FY26, reported a standalone net profit of ₹1,068.42 crore, registering a growth of 44.7% from ₹7,381.2 crore in the corresponding period of the previous fiscal.
In Q1FY26, Yes Bank's net profit surged by 59% year-on-year, reaching ₹801 crore compared to ₹502 crore in the same quarter last year. The profit after tax (PAT) increased by over 8% on a sequential basis, up from ₹738 crore in the January-March quarter of FY25.
The bank reported healthy growth in its core lending business during the June quarter, with net interest income (NII) rising 12.7% year-on-year to ₹24,384 crore. The growth was driven by strong credit expansion and an improvement in margins. Net interest margin (NIM) for Q1 FY27 stood at 4.36%, compared with 4.34% in the corresponding quarter last year.
On the asset quality front, the bank continued to strengthen its balance sheet, with the gross non-performing asset (GNPA) ratio improving to 1.38% and the net non-performing asset (NNPA) ratio standing at 0.35% as of June 30, 2026.
The bank's total advances increased 19.6% year-on-year to ₹16,31,260 crore as of the end of the quarter, while total deposits grew 14% to ₹18,33,586 crore. The retail loan portfolio accounted for 49.2% of the overall loan book and registered 12% year-on-year growth.
The business banking portfolio grew by 28.2% YoY and the rural portfolio grew by 35.4% YoY in Q1FY27. The bank’s domestic corporate portfolio grew by 18.5% YoY in Q1 and the domestic advances grew by 18.8% compared to the same quarter last fiscal.
