Sale of identified NPA and Written-off Portfolios of the Bank
As filed · Bandhan Bank Limited has informed the Exchange regarding Sale of identified NPA and Written-off Portfolios of the Bank.
What happened
FactBandhan Bank's Board of Directors approved the sale of identified Non-Performing Assets (NPA) and Written-off Portfolios through a bidding process with Asset Reconstruction Companies. The NPA Portfolio, with principal outstanding of Rs. 3,212.17 Crore as of September 30, 2025, will be sold using the Swiss Challenge method, while the Written-off Loan Portfolio, with principal outstanding of Rs. 3,719.14 Crore, will be sold via auction. The Board meeting took place on…
Why it matters
CapitSignal interpretationReported results are the point at which prior management commitments become checkable against audited or reviewed numbers.
What management said before
Prior statements by this company that CapitSignal has recorded changing.
Demand
ContradictedThe Bank also strengthened its payments and transaction capabilities, digital tax processing and loan collection systems, enhancing operational efficiency, service quality and customer convenience.
Just to supplement, right now, the non-EEB book growth is around 25%, and the EEB as of now is a negative 10%.
Change
FactImplication
CapitSignal interpretationGuidance
DelayedAmid evolving conditions within the microfinance sector, the Bank adopted a prudent and calibrated approach towards growth and provisioning, with a clear focus on strengthening long-term balance sheet stability.
The focus will remain on strengthening portfolio quality, accelerating granular retail deposit growth, expanding secured lending businesses and enhancing operational efficiency and profitability while remaining anchored in the founding philosophy of inclusive growth.
Change
FactImplication
CapitSignal interpretationDemand
RevisedTotal deposits grew by around 10% Y-O-Y to ₹1.66 lakh crore, reflecting sustained customer confidence and further growth in the liability franchise.
Retail term deposits recorded an even stronger traction with 30% growth Y-O-Y underscoring customer confidence and deeper engagement with the franchise.
Change
FactImplication
CapitSignal interpretationWatch next
Fact- Margin trend against the prior period
- Cash from operations against reported profit
- Whether prior guidance is reaffirmed
- if the situation improves, we may grow up to 10% also. (management committed by FY27)
- So, the guidance that we have given is for the exit of FY27, where we have said that the credit cost, we expec (management committed by Q4 FY27)
Evidence
- Bandhan Bank Limited has informed the Exchange regarding Sale of identified NPA and Written-off Portfolios of the Bank.(opens the original filing in a new tab)
- Earlier statement · FY25
- Latest statement · Q3 FY26
- Earlier statement · FY25
- Latest statement · FY25
- Earlier statement · FY25
- Latest statement · FY25
How CapitSignal classified this
- Reasoning:
- RESULTS base 68; +5 quantified amount; matched on subject
- Matched on:
- the filing's own subject line
- Confidence in the event type:
- 75%