Central Bank of Management Guidance Tracker
8 forward-looking guidance items tracked across 2 quarters.
Growth
Management expects total advances to reach ₹3.40 lakh crore by Q4 FY26, driven by strong sanctions and disbursements.
Q3 FY26CD ratio to reach 73-74% by Q4 FY26ActiveThe bank aims to improve its credit-deposit ratio to 73-74% by March 2026, up from 72% in Q3.
Q4 FY26Credit growth of 14-16% in FY27ActiveManagement expects advances to grow 14-16% in FY27, supported by strong capital adequacy (CRAR 17.91%) and outreach programs.
Q4 FY26Deposit growth of 10-12% in FY27ActiveDeposits are guided to grow 10-12% in FY27, with continued focus on CASA mobilization.
Margins
With repricing of term deposits and Kasa campaign, cost of deposits is expected to fall to 4.5-4.55% by June 2026.
Q3 FY26NIM to be maintained at 3%ActiveDespite rate cuts, management expects to sustain NIM at 3% through Kasa growth and RAM focus.
Q4 FY26NIM to remain above 3% in FY27ActiveNet interest margin is expected to stay above 3% in FY27, supported by strong CASA base and RAM focus.