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.
BANDHANBNK / Q3-FY26 / risks
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Bandhan Bank · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
high
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.
Housing 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.
Additional 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.