Bandhan Bank reported a 10% loan growth to Rs 1.45 lakh crore for the December quarter compared to Rs 1.32 lakh crore a year ago.

The private lender's total deposits grew 11.1% year-on-year to Rs 1.57 lakh crore in the fiscal third quarter from Rs 1.41 lakh crore in the earlier year.

On a sequential basis, however, total deposits saw a marginal decline of 0.9% from Rs 1,58,075 crore in September 2025 quarter.

The bank's retail deposits (including CASA) rose 17.2% year-on-year to Rs 1.13 lakh crore. Retail term deposits surged 35.8%, reaching Rs 70,690 crore as against Rs 52,063 crore in the year-ago period.

The share of retail deposits in the total deposit bucket improved to 72.37% from 68.65% a year ago.

However, the lender's low-cost CASA (current account savings account) deposits fell 4.5% to Rs 42,730 crore, from Rs 44,735 crore in the December 2024 quarter. This led to a contraction in the CASA ratio to 27.26%, compared to 31.73% in the same period last year and 27.97% in the preceding September quarter.

Bulk deposits declined 2% YoY to Rs 43,303 crore. The ratio of bulk to total term deposits stood at 37.99% as of end-December 2025, showing a significant drop from 45.92% in the corresponding period last year.

On the operational front, Bandhan Bank reported an improvement in its pan-bank collection efficiency. The overall collection efficiency (excluding NPAs) stood at 98.1%, up from 97.8% in September 2025.

The Emerging Entrepreneurs Business (EEB) segment saw its collection efficiency rise to 98% in December from 97.5% in September. Non-EEB segments maintained a steady efficiency of 98.3%.

The bank's liquidity coverage ratio (LCR) stood at around 149.14% as of 31 December 2025.