Banks
60 recent notes from companies in this sector. 20 companies tracked.
Equitas SFB swings to ₹184 cr profit as credit costs normalise
Second consecutive quarter of normalised provisioning; microfinance recovery complete. Management targets ROA of 1.2-1.25% for FY27.
Equitas SFB swings to ₹184 cr profit as bad-loan provisions shrink 73%
Q1 net profit of ₹184 crore versus a ₹224 crore loss a year ago. Gross NPAs ease to 2.42% as microfinance stress recedes.
City Union Bank Q1 profit jumps 25% to ₹383 cr, NPA slide continues
Net interest income rises 31%, gross NPA improves for 12th straight quarter. New MD's debut quarter sustains momentum.
City Union Bank Q1 profit jumps 25% to ₹383 cr, NPA slide continues
Gross NPA falls to 1.73% from 1.91% sequentially; first full quarter under new MD R. Vijay Anandh.
Ujjivan SFB lifts ROA target, cuts credit cost view for FY27
Management now sees return on assets at 1.8-2% for FY27, credit cost at 0.9-1% of assets, and opex at 6.4%. Secured loans cross 50% of the book, deposits grow 25%.
UCO Bank gets first-time Fitch BBB- with stable outlook
The rating matches India's sovereign grade, reflecting government ownership and improving asset quality. No immediate fundraising plans, but the formal assessment could open doors.
TMB Q1 profit up 35% to ₹411 cr, NPA drops to 0.69%
Net interest margin widens to 4.29% as loan book grows 27%. Retail, agri, MSME drive total business past ₹1.21 lakh crore. Six new branches added.
IndusInd Bank's Q1 call transcript is procedural only
The July 22 transcript confirms what the market already heard live. No new numbers, guidance, or strategic updates.
Bandhan Bank's Q1 transcript is just that — a transcript
The July 21 concall record confirms 16% advance growth, 35% PAT rise, and a lower ROA target of 1.2%-1.4%. No new information. A regulatory box-tick.
TMB posts record ₹412 cr quarterly profit, lifts FY27 guidance
Q1 net profit jumps 35%, NPAs drop to 0.7%. Management now sees 20% business growth for the full year.
Canara Bank lifts deposit guidance, triples digital spend to ₹3,000 cr
The PSB now sees deposits growing 10-12% this fiscal and plans to spend over ₹3,000 crore annually on digital, up from ₹1,000 crore flagged in January. Seasonal PSLC income will drop sharply next quarter.
TMB net profit rises 35% to ₹411.51 crore, NPAs improve
Q1 FY27 profit jumps to **₹411.51 cr** from **₹304.89 cr**; gross NPAs narrow to **0.69%** from **1.22%**, net NPAs to **0.17%**. ROA improves to **2.14%**.
TMB net profit jumps 35% to ₹411.5 crore, NPAs improve
Gross NPA ratio falls to 0.69% from 1.22%, net NPA drops to 0.17%. Capital adequacy stands at 32.33%.
Canara Bank's Q1 profit inches up 2.2%, bad loans continue to shrink
Net profit at ₹4,856 cr, GNPA falls to 1.57% from 2.69% a year ago. The quarter shows steady progress but no catalyst to shift the stock's trajectory.
Canara Bank Q1 net profit rises 2.2%, asset quality improves
Net interest income climbs 13.4% to ₹10,215 cr; gross NPA ratio falls to 1.57% from 2.69% a year ago.
IDFC First Bank posts record profit, but legacy drag timeline was off
Net profit more than doubled to ₹1,075 crore, but MD Vaidyanathan concedes the bank is in its seventh year of eliminating legacy liability costs, versus an original five-year target. Loan growth of 20.6% and CASA above 50% are bright spots.
IDFC First Bank gets ₹7,500 cr equity raise nod
Enabling resolution valid one year; no immediate capital need. Independent director exits, CVO replaced.
AU Small Finance Bank Q1 profit up 37%, targets ROA lift
Net profit at ₹796 crore; deposits grow 24%. Management guides for ROA improvement to 1.8% and adds 100+ branches.
IDFC First Bank posts record ₹1,075 cr Q1 profit, up 132%
Net profit surges on 20.6% loan growth, NIM of 5.96%, and lower provisions. Bank creates ₹515 cr contingency provision.
IDFC First Bank Q1 profit doubles to ₹107.5 cr, fraud overhang cleared
Chandigarh forensic review confirms no further adjustments beyond ₹645.6 cr already booked. Bank sets ₹515 cr contingency provision, largely offset by ₹514.8 cr NCGTC claim receipt.
IDFC First Bank Q1 profit jumps 3x QoQ to ₹107.5 cr
Profit recovers from fraud-hit March quarter; bank sets aside ₹515 cr for macro risks and receives ₹514.82 cr from NCGTC claims.
IDFC First Bank profit jumps to ₹1,074 cr, creates ₹515 cr contingency provision
Net profit rose sharply from prior quarter, aided by NCGTC claim; bank voluntarily sets aside provision as macro cushion.
AU Small Finance Bank Q1 profit jumps 37% to ₹796 cr
Net interest income climbs 32% to ₹2,695 crore; deposits and loans grow over 20%. Yogesh Jain named Deputy CEO.
AU Small Finance Bank Q1 profit up 37% to ₹796 cr; NPA rises
Q1 profit jumps 37% YoY to ₹796 crore. Gross NPA edges up to 2.10%. COO Yogesh Jain becomes deputy CEO as bank readies universal banking licence.
Bandhan Bank slashes ROA target, tech costs surge 65%
New ROA guidance of **1.2%-1.4%** for Q4 FY27 replaces earlier **1.6%-1.8%**; NIM improvement hopes dropped as tech spending becomes structural.
Union Bank hits record ₹5,332 cr profit, NIM widens to 2.80%
Management details ECL provision of ₹11,500 cr phased over four years, sheds high-cost deposits to lift NIM, and targets credit growth at industry-plus-1%.
Bandhan Bank Q1 results, interim CFO approved at board meet
Routine quarterly numbers cleared. Vinay Jain named interim CFO from Sep 26. AGM set for Aug 24, dividend record date Aug 17.
Utkarsh Small Finance Bank calls ₹195 cr Tier II bonds for Aug 2026 redemption
The capital committee approved exercising a call option to redeem 1,950 bonds at par. The move trims subordinated liabilities after a ₹500 cr raise in June.
Karur Vysya Bank's Q1 profit jumps 45%, but NIM guidance gets a subtle trim
Net profit of ₹756 cr beats Mar 2026's ₹725 cr; NIM at 4.3% is strong, but management sees deposit costs rising 5-10 bps and yields softening 10 bps, trimming the lower end of NIM guidance to 3.7%.
IOB posts record profit, guides 13-14% loan growth, plans ₹5,000 cr QIP
Q1 net profit jumps 49% to ₹1,659 cr; NIM expands to 3.4%; bank targets dividend after hiatus and opens Gift City branch in two months.
PSB targets Rs 4 lakh crore business by FY29, guides for 19-20% credit growth
Q1 profit rose 23% to Rs 331 cr; concall adds forward guidance including a Rs 150 cr precautionary ECL provision and NIM target of 2.6-2.7%.
IOB posts 49% profit jump in Q1, backs it with 48-page detail deck
The bank's net profit rose to ₹1,659 crore in Q1 FY27, with net interest income up 34%. Gross NPAs fell to 1.33%. The presentation adds granularity but no new facts.
Karur Vysya Bank posts 45% profit jump in June quarter
Net profit rises to ₹755.7 cr from ₹521.45 cr a year ago. Gross NPA edges up to 0.74% but provisioning remains adequate. Capital adequacy at 18.61%.
IOB confirms 49% profit jump in routine Q1 press release
Net profit rose to ₹1,659 crore, NII up 34%, GNPA improved to 1.33%. All numbers already disclosed via board outcome.
Indian Overseas Bank profit jumps 49% as bad loans shrink further
Net profit hits ₹1,659 crore, driven by lower provisions and improving asset quality. Operating profit remains flat, and a ₹5,000 crore capital raise still hangs over the stock.
Axis Bank says NIM bottomed at 3.5%, eyes 3.8% in 12-15 months
Q1 net profit rises 23% to Rs 7,114 crore; wholesale loans surge 38% as CFO Puneet Sharma steps down.
Punjab & Sind Bank profit up 23%, bad loans shrink
Net profit rises to ₹331 crore. Gross NPAs drop to 2.21% from 3.34%. The numbers are solid but widely expected.
ICICI Bank sees NIM range-bound, flags FCNR-B as margin risk
Q1 PAT jumps 15.9% to ₹14,805 cr; fee income surges 23.5%. Normalized credit costs guided at ~50 bps, with CET1 at 16.2%.
PSB Q1 profit up 23% to ₹331 cr, but market already knew
The numbers were flagged in yesterday's release; today's board meeting adds no new material information.
HDFC Bank ROA slips 40 bps to 1.5%, CASA still below pre-merger
Q1 FY27 concall reveals a 40 bps ROA drop, a CASA ratio that hasn't recovered from the merger, and a recovery plan targeting 38% CASA and 60% retail loans. Margins are expected to improve as high-cost borrowings mature.
PNB pivots to agri gold loans, slashes digital spend ahead of ECL hit
Agri gold loan book doubled to ₹32,000 cr, target ₹60,000 cr by FY27-end. Digital budget cut 60% to ₹3,400 cr as ₹9,500-10,000 cr ECL provisioning looms.
Kotak to buy Deutsche Bank India retail for ₹281 cr; Q1 profit up 26%
The deal adds 150,000 customers, ₹29,000 cr advances and ₹16,000 cr deposits. Management flagged a 12-15 bps credit cost headwind from ECL norms.
Yes Bank targets NIM above 3% by FY28, retail turnaround in 3-4 quarters
Management also sees core ROA expanding 15-20 bps this fiscal, maintains SR recovery guidance at ₹800-1,000 cr, and says ₹16,000 cr capital raise is optional.
Axis Bank names Rajeev Mantri as CFO, ends leadership gap
Mantri, ex-CFO of Bandhan Bank, takes charge from September 28, replacing Puneet Sharma who resigned in June.
IDBI Bank Q1 profit up 5% to ₹2,115 cr, NII rises 10%
Net profit growth is modest at 5% but asset quality improved with GNPA falling to 2.30%. Capital adequacy remains strong at 26.92%.
IDBI Bank Q1 profit up 5% to ₹2,115 cr, asset quality improves
Net profit rose to ₹2,115 crore in Q1 FY27, aided by a provision write-back. Gross NPAs fell to 2.30% and net NPAs to 0.16%. The bank also transferred ₹1,278 crore from investment reserves to general reserves as per RBI norms.
HDFC Bank logs 5% profit rise in Q1, provisions drop sharply
Net profit at ₹19,060 cr, NII up 6.7%. Provisions fall to ₹3,060 cr from ₹14,442 cr a year ago. Gross NPA stable at 1.17%.
ICICI Bank Q1 profit rises 15.9% as fee income surges 23.5%
Standalone net profit hits ₹14,805 cr on strong loan growth and stable asset quality. Board also approves $2.5 bn overseas borrowing limit.
HDFC Bank posts 5% profit rise in Q1, provisions fall sharply
Steady loan growth of 15.4% and stable asset quality at 1.17% GNPA underpin the quarter, but net interest margin held at 3.26%, in line with expectations.
Yes Bank Q1 profit up 34% to ₹1,071 cr, aided by ₹728 cr reserve transfer
Core earnings grew but headline net profit got a one-time boost from investment fluctuation reserve. Asset quality improved; capital adequacy dipped slightly.
Kotak Bank Q1 profit jumps 25.6%, asset quality improves
Standalone net profit rises to ₹4,122.96 crore; gross NPA ratio falls to 1.18% from 1.48%. Consolidated PAT up 22.5% to ₹5,480.46 crore.
Kotak Bank Q1 profit jumps 25.6% but holds few surprises
Standalone net profit hit ₹4,122.96 cr; NII and asset quality improved. The Deutsche Bank deal remains pending, and the board skipped a dividend.
Axis Bank Q1 profit up 23% to ₹7,114 cr; CFO transition looms
Net profit beats on lower provisions; corporate loans surge 38%. But the quarter was widely anticipated, and attention shifts to the CFO vacancy.
Axis Bank Q1 PAT rises 23% to ₹7,114 cr, asset quality stable
Net profit hits ₹7,114 crore as NII grows 8% and NPAs shrink. But with no surprises and a CFO exit looming, the quarter offers confirmation rather than a catalyst.
Federal Bank beats Q1 profit; NIM guidance steady
Q1 net profit jumps 36.6% to ₹1,177 cr; management expects NIM to improve 5-6 bps per quarter. S&P rating opens global capital, credit cost guided at lower end of range.
Central Bank Q1 profit up 13%, ECL provision guidance in focus
Net profit rose to ₹1,324 crore on 28.6% advances growth and improving asset quality. Management guided for ₹4,500-5,000 crore ECL provisions spread over five years from April 2027.
South Indian Bank pivots: corporate book now 40% vs earlier 30-33% target
South Indian Bank reversed its plan to shrink the corporate loan book. Corporate advances now 40% of total, citing geopolitical uncertainty. Q1 profit up 17% to ₹378 cr.
RBL Bank's detailed Q1 filing adds nothing new to the story
Net profit up 27%, NIM slips to 4.13%, but the capital adequacy surge to 33.3% on Emirates NBD's infusion remains the headline. This is a routine elaboration of already-disclosed numbers.
RBL Bank Q1 profit climbs 27%, asset quality improves
The June-quarter results, along with the formal induction of Emirates NBD nominees, mark the first full quarter under the new majority owner. But the numbers were largely anticipated.
Federal Bank Q1 net profit up 35% to ₹1,176.93 crore, bad loans ease
Standalone profit of ₹1,176.93 crore beats last year's ₹861.75 crore. Gross NPA ratio falls to 1.52% from 1.91%. But profit is lower than March's ₹1,341 crore, which included a ₹456.60 crore tax refund.