k has delivered a solid performance in the January-March 2026 quarter, reporting healthy double-digit growth in both advances and deposits along with an improved low-cost deposit mix and strong liquidity position. According to the provisional business update released on Saturday, the private sector lender’s net loans and advances stood at ₹2,72,454 crore as on March 31, 2026. This reflects a 5.8% sequential increase and a 10.7% rise year-on-year (YoY). Deposits grew at a faster pace, climbing 9% quarter-on-quarter (QoQ) and 12.1% YoY to ₹3,18,970 crore. A key positive was the continued traction in low-cost Current Account and Savings Account (CASA) deposits. CASA balances rose 12.5% QoQ and 14.9% YoY to ₹1,11,960 crore. As a result, the CASA ratio (including certificates of deposit) improved to 35.1% from 34% in the previous quarter and 34.3% a year earlier. This healthy deposit franchise is expected to support the bank’s net interest margins going forward. The credit-to-deposit ratio moderated to a comfortable 85.4% in Q4 FY26, down from 88% in the preceding quarter, indicating a more balanced growth between assets and liabilities. The bank also maintained robust liquidity, with the average quarterly consolidated Liquidity Coverage Ratio (LCR) standing at 119%.

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