Bandhan Bank Ltd. Share Price

Bandhan Bank: Deposit mix is the key trigger

Bandhan Bank Limited (BANDHANBNK) reported Q2 FY27 loans and advances of ₹1,58,335 crore, up 13.1% YoY, while deposits rose 9.2% to ₹1,72,689 crore. **What happened?** Loan growth remained healthy, but the deposit mix changed. Retail deposits grew 11.9% YoY, while CASA deposits increased only 4.3%. The CASA ratio fell to 26.71% from 29.40% in Q1 FY27. **Why it matters:** For Bandhan Bank, improving the quality and cost of deposits is important for protecting margins. Faster loan growth without a comparable improvement in low-cost deposits can increase funding pressure. **My view:** The loan growth is encouraging, but I would focus more on the deposit franchise. If CASA stabilises while advances continue growing, the earnings outlook could become more constructive. **What I’m watching:** CASA ratio, deposit growth, NIM, collection efficiency and credit costs over the next two quarters. **Stance:** Positive on loan growth, but deposit quality is the key trigger. **Disclosure:** I am a SEBI Registered Research Analyst. This content is for educational purposes and is not a recommendation to buy or sell any security. **Suggested tags:** Equity Research + Fundamental Views + Stock In News

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Bandhan Bank loans rise 13% but CASA falls

Bandhan Bank Limited

reported 13.1% year-on-year growth in loans and advances to ₹1,58,335 crore in Q2 FY27. Deposits grew 9.2% to ₹1,72,689 crore. The numbers show loan growth is improving, but the funding mix needs attention. :chatgpt-content-reference{index="1"} What happened Loans grew 1.8% sequentially from ₹1,55,555 crore in June. Deposits grew faster sequentially at 4.7%. Retail deposits increased 11.9% year on year to ₹1,25,471 crore, while retail term deposits rose 16.8% to ₹79,340 crore. :chatgpt-content-reference{index="2"} The concern CASA deposits stood at ₹46,131 crore, up only 4.3% year on year but down 4.8% from June. The CASA ratio therefore fell to 26.71% from 29.40% in Q1 FY27. Bulk deposits also increased 10% sequentially. :chatgpt-content-reference{index="3"} The positive Collection efficiency remained strong at 98.9%, unchanged from June. Collection efficiency in the EEB segment improved marginally to 98.6%. Liquidity coverage ratio was around 137.88%. :chatgpt-content-reference{index="4"} My view The 13% loan-growth number looks encouraging, but I would not ignore the CASA decline. Faster growth in term and bulk deposits can increase funding costs and put pressure on margins. The next result therefore matters more than the headline loan number. What I am watching CASA recovery, deposit growth, net interest margin and asset quality in Q2 FY27. Stance: Cautiously positive on loan growth, but neutral until the funding mix improves. Disclosure: I do not hold a position in Bandhan Bank Limited. Its not an investment advice.

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Bandhan Bank Q2 loans grow 13.1%, deposits lag at 9.2%

Bandhan Bank Limited (BANDHANBNK) reported Q2 FY27 loans and advances of ₹1,58,335 crore, up 13.1% year-on-year. Total deposits grew slower, up 9.2% to ₹1,72,689 crore. On a quarterly basis, loans grew 1.8% and deposits grew 4.7%. Collection efficiency stayed at 98.9% pan-bank, excluding NPAs. Liquidity Coverage Ratio came in around 137.9%. Retail term deposits rose 16.8% year on year to ₹79,340 crore. Bulk deposits grew just 2.8% to ₹47,218 crore. These are provisional, unaudited figures, subject to board and auditor review. Loans growing faster than deposits is the number I'd flag first. A bank needs deposits to fund loan growth. When loans outpace deposits for a stretch, the bank either draws down its liquidity buffer or has to pay up for deposits to keep funding loan growth at the same pace. The LCR at 137.9% says there's room right now, but that gap is worth watching if it continues. The deposit mix shift is the other thing worth sitting with. Retail term deposits grew 16.8%, bulk deposits barely moved at 2.8%. That's actually a good sign on its own, retail deposits are usually stickier and cheaper than bulk deposits, so the bank is funding growth with a better quality deposit base, even if the total deposit growth rate looks modest next to loan growth. My stance: loan growth outpacing deposit growth is a gap worth tracking, not a red flag yet given the liquidity buffer. Watching the quarterly results, due in the coming weeks, for the audited numbers and management's own comment on this gap. I do not hold Bandhan Bank Limited at the time of writing.

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Bandhan Bank – Technical Analysis, Support and Resistance

The stock

is showing a range-bound to weak short-term structure on the daily chart. After a strong recovery from around ₹140 to ₹220 the stock faced resistance near ₹215–220 and has corrected back toward ₹176. The latest close was ₹176 with the session low at ₹172.86. Support & Resistance: Immediate support is around ₹170–172. If this zone breaks and sustains, the next support can come near ₹160–165 followed by ₹150–155. On the upside ₹180–185 is the first resistance zone. Above this, ₹190–195 and ₹205–215 can act as further resistance. Technical reference levels also place support near ₹172 and resistance around ₹180–185. Short-Term Buyers & Holders View: For short-term buyers, ₹170–172 is an important zone to monitor for stabilization and a higher low. A sustained move above ₹185 with strong volume can improve the short-term structure and open room toward ₹190–195. If price breaks below ₹170, the correction can extend toward ₹160–165.

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bandhan bank wait for the dip correction pending

As of the latest available close: 18 September 2026, Bandhan Bank closed at ₹175.00. The stock gained 2.04% on the session, with an intraday range of ₹172.50–₹178.30. 1. Fundamental picture Bandhan Bank's Q1 FY27 numbers show a mixed but improving picture: Advances: ₹1.56 lakh crore, up about 16% YoY Deposits: ₹1.65 lakh crore, up about 7% YoY NII: ₹2,921 crore, up 5.9% YoY PAT: ₹502 crore, up about 35% YoY NIM: 6.2% Gross NPA: 3.1% Net NPA: 0.9% RoA: 1.0% RoE: 7.7% 2. What needs monitoring The headline PAT growth should not be viewed in isolation. NIM at 6.2% was lower YoY, while non-interest income declined nearly 17% YoY. Also, deposit growth of roughly 7% was significantly below advances growth of roughly 16%, which makes deposit mobilisation and funding mix important variables to monitor. A positive structural development is the continued diversification toward secured lending. The secured loan mix increased to 56.8% from 52.1% a year earlier, while retail deposits grew around 15.6% YoY. 3. Technical view The stock closed at ₹175 on 18 September, after trading between ₹172.50 and ₹178.30. For the week of 21–25 September 2026, one published technical framework identifies: Immediate support: ₹169.85 Major support: ₹164.70 Immediate resistance: ₹179.63 Next resistance: ₹184.26 Higher resistance: ₹189.41 4. SEBI RA commentary My reading of Bandhan Bank is that the story is currently one of transition: asset quality and loan-book diversification are showing improvement, but profitability ratios, margins and the deposit-versus-advance growth gap still require close monitoring. Research Analyst Disclosure: This is a factual research commentary based on publicly available company disclosures and market data. It should not be construed as a guarantee of future price performance. Investors should consider their own objectives, risk profile and independent analysis before taking any investment decision.

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MOMENTUM MANTRA DAILY RUN-UP 📅 15 September, 2026

MOMENTUM MANTRA DAILY RUN-UP 📅 15 September, 2026 🔥 Market Recovery: Can Nifty Sustain the Bounce? 📉 Market Recap Nifty opened with a 208-point gap-down at 23,270, tracking weak global cues as Brent crude surged to $107 per barrel, triggering a sell-off in global equities and a sharp rise in bond yields. The index remained under pressure initially before recovering towards 23,340, while easing oil prices on reports of efforts for a temporary Iran–US deal triggered a sharp recovery around 2 PM, pushing Nifty above 23,400 and briefly towards 23,440. Nifty eventually settled at 23,398.10, recovering nearly 160 points from the day’s low but still ending around 80 points below the previous close. 📈 Nifty Key Levels ▪️ Support: 23,325 | 23,230 ▪️ Resistance: 23,465 | 23,570 💰 FII/DII Flow ▪️ FII: Net outflow of ₹930.90 crore ▪️ DII: Net inflow of ₹1,968.47 crore 📊 Options Positioning ▪️ The maximum Call OI is observed at 23,800, followed by 23,700, indicating potential resistance in the 23,700–23,800 zone. ▪️ The maximum Put OI is observed at 23,300, followed by 23,200, suggesting support in the 23,200–23,300 zone. ▪️ Max Pain: 23,450 – likely to act as the near-term equilibrium level for Nifty. ▪️ Based on PCR (1.01) and OI positioning, Nifty may remain range-bound between 23,300–23,800, with the higher-side range of 23,700–23,800 and lower-side range of 23,200–23,300. Source: NSE India 🏭 Sectoral Outlook 🟢 Bank Nifty – Positive Bias 🟢 PSU Bank – Positive Bias 🟢 Pharma – Positive Bias 🟢 Metal – Constructive 🟢 Energy – Constructive 🟢 Auto – Positive Bias 🟢 Realty – Constructive 🚫 F&O Ban List

, INOXWIND, KAYNES, LICHSGFIN, MANAPPURAM, SAIL ⚠️ For informational purposes only. Not investment advice.

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