According to reports from The Economic Times, Bandhan Bank reported a collection efficiency of 98.9% for March, representing an improvement from 98.1% recorded in December. The Kolkata-based lender calculated this ratio after excluding the bad loan portfolio, as reported in a business update filing to stock exchanges. Collection efficiency measures the percentage of debt collection against the total amount owed, providing insights into the bank's debt recovery capabilities.
As reported by The Economic Times, the bank's micro loan portfolio showed significant improvement with collection efficiency rising 60 basis points to 98.6%. The non-micro loan book demonstrated even better performance, with collection efficiency improving 100 basis points to 99.3%. One basis point is equivalent to one-hundredth of a percentage point, indicating substantial progress in debt recovery across different loan segments. The EEB segment achieved 98.6% collection efficiency while the Non-EEB segment reached 99.3% efficiency, according to the latest operational data.
According to the bank's financial update, loan and advances reached ₹154,235 crore by fiscal year-end, reflecting a 12.6% year-on-year expansion. The bank was carrying a stressed pool of ₹6,051 crore as of December, which included ₹2,310 crore from the microfinance book and ₹2,670 crore from the housing finance vertical. This represents a significant reduction in stressed assets from previous periods.
As reported by The Economic Times, the bank's deposit mobilization rose 10% to ₹166,344 crore during the fiscal year. The CASA ratio to total deposits declined to 29.31% at the end of March from 31.37% a year prior. The bank successfully brought down bulk deposits by 6.9% year-on-year to ₹43,797 crore, though bulk deposits still accounted for 26.33% of the bank's total deposits. However, CASA deposits increased by 2.8% YoY to ₹48,751 crore with notable quarterly growth of 14.1% from ₹42,730 crore in December 2025.
According to the latest regulatory filing, Bandhan Bank's Liquidity Coverage Ratio (LCR) was approximately 131.76% as of the end of March 2026, indicating strong liquidity management. The bank's retail to total deposits ratio improved to 73.67%, while the bulk to total term deposits ratio decreased to 37.24%. Retail term deposits rose by 30.1% YoY, reaching ₹73,796 crore, and retail deposits, including CASA, amounted to ₹122,547 crore reflecting a 17.7% YoY growth. The bank's total loans and advances grew to ₹154,235 crore, representing a 6.2% growth over the previous quarter and 12.6% year-on-year increase.
