Bandhan Bank Ltd (BANDHANBNK) Q1 Results FY27 Preview: Date, Time, Expectations & Key Things To Watch

CompoundingAI Research Updated July 16, 2026 3 min read

Bandhan Bank enters Q1 FY27 results following a provisional business update that showed 16.4% YoY loan growth, even as the bank navigates a transition in its leadership and a complex rural collection environment. Investors will be closely monitoring the margin trajectory and the bank's ability to maintain its downward trend in credit costs toward the FY27 exit guidance.

Quick Details

Results date	July 21, 2026
Quarter	Q1 FY 2026-2027
Previous quarter revenue	Rs. 3,570 Cr
Previous quarter PAT	Rs. 530 Cr
Previous quarter EBITDA margin	Not reported
Market cap	Rs. 34,928.67 Cr
CMP	Rs. 216.8

Bandhan Bank Ltd Q1 Results Date and Time

The board meeting is scheduled for July 21, 2026, to consider the audited financial results and recommend dividend for FY2026.

What to expect from Bandhan Bank Ltd's Q1 FY27 results

The primary focus for this quarter is the bank's progress toward its target ROA of 1.6% to 1.8% by the exit of FY27, following a reported 1.1% ROA in Q4 FY26. With the repo rate held steady at 5.25% throughout the quarter, management's ability to drive NIM expansion from the Q4 level of 6.2% toward the 6.5% exit target will depend on the continued repricing of legacy term deposits. Credit cost management remains the critical swing factor, as the bank aims to reach 1.6% to 1.7% by Q4 FY27, though Q1 is historically a seasonally higher provision period. Management's commentary on rural collection risks, particularly in light of the weak monsoon start and the recent early-stage delinquency uptick, will be essential for assessing the bank's asset quality trajectory.

Key Things To Watch

Performance vs Guidance Tracking

ROA target — 1.6%–1.8% by Q4 FY27 — Track sequential improvement from 1.1% in Q4 FY26
Credit cost target — 1.6%–1.7% by Q4 FY27 — Monitor against Q4 FY26 exit of 2.0%
NIM target — ~6.5% by FY27 exit — Compare against Q4 FY26 NIM of 6.2%
Secured loan mix target — 57–58% by ~Q4 FY27 — Current status at 56.2%

Asset Quality and EEB Portfolio

Impact of the Rs. 303.74 Cr housing finance NPA sale via Swiss Challenge on GNPA
EEB slippage trends and SMA-0/1/2 levels given the seasonally weak Q1 collection environment
Collection efficiency vs the 98.9% provisional Q1 level

Strategic and Management Updates

CFO transition plan following Rajeev Mantri's resignation effective September 2026
Update on future capital discussions following board determination that the bank is well-capitalised
Impact of the appointment of Mr. Debasish Panda as Part-Time Chairman on strategic direction

Frequently Asked Questions

What was the trend in Bandhan Bank's loan and deposit growth in Q1 FY27?

The bank reported provisional loan growth of 16.4% YoY to Rs. 1,55,513 Cr, while deposits grew 6.6% YoY to Rs. 1,64,886 Cr. This widening credit-deposit gap highlights the bank's focus on balancing growth with liability franchise building.

What is the bank's strategy regarding its secured loan mix?

Management has targeted increasing the secured loan mix to 57–58% of total advances over 6–7 quarters from Q2 FY26. As of Q4 FY26, the secured book share had reached 56.2%.

What is the status of the bank's credit cost guidance?

Management has guided for a credit cost of 1.6%–1.7% by the exit of FY27. This target is supported by improving collection efficiency and a decline in EEB stress, though management continues to monitor macroeconomic headwinds.