West Bengal concentration in EB book
42% of the microfinance portfolio is in West Bengal, where SMA1 rose sharply due to holiday-related collection gaps; state elections could disrupt collections.
high · analyst_questionBandhan Bank Limited — Q3 FY26
Bandhan Bank's Q3 FY26 results show a PAT of INR 206 crore, up 84% QoQ but down 52% YoY, impacted by a one-time gratuity provision of INR 120 crore and NPA sale costs.
neutral
medium
Financial stats pending filing verification
Risk Intelligence
Material risks this quarter
Concise cards keep the risk register scannable while preserving evidence-level context in the underlying quarter data.
Risks
CASA deposit erosion
CASA declined 4% YoY to INR 42,730 crore due to savings rate cuts; recovery to 31% ratio may take longer than expected.
medium · management_commentaryHousing loan asset quality deterioration
NPAs in the housing portfolio have been rising; management cited legacy underwriting issues and is implementing process changes, but impact may take time.
medium · analyst_questionAdditional labor code provisions
INR 120 crore gratuity provision booked this quarter; further provisions may be needed as state-level rules are notified, but quantum is uncertain.
low · management_commentary