Bandhan Bank Management Guidance Tracker

7 forward-looking guidance items tracked across 2 quarters.

Margins

Q3 FY26Credit cost target of 1.6-1.7% by FY27-endTracked

Management reiterated guidance for overall credit cost to reach 1.6-1.7% by the last quarter of FY27, with EB segment at 2.5-3%.

Q3 FY26NIM improvement from current levelsActive

Management expects NIM to improve due to cost of funds decline (35-50bps benefit), partially offset by repo rate cut impact of ~11bps.

Q4 FY26NIM improvement of 10-20bps over next 2-3 quartersActive

Expect further margin expansion from current 6.2% as cost of funds benefits from term deposit repricing continue.

Q4 FY26Credit cost target of 1.6-1.7% by FY27 exitTracked

Aimed at reducing credit cost from current 2% level, supported by improving MFI portfolio and stable asset quality.

Growth

Q3 FY26Advances and deposit growth of 15-17% over 2-3 yearsTracked

Medium-term guidance for loan and deposit growth of 15-17% CAGR, with deposit growth expected to outpace advances.

Q4 FY26ROA target of 1.6-1.8% by Q4 FY27Tracked

Management reiterated guidance for return on assets to reach 1.6-1.8% by exit of FY27, driven by credit cost improvement, higher other income, and operating leverage.

Other

Q4 FY26PSLC cost reduction by 50% in FY27Tracked

Priority sector lending certificate costs expected to halve from FY26 levels, with near-zero cost targeted in subsequent years.