Mumbai, July 27 -- Net interest income (NII) grew by 13.39% on YoY basis to Rs 10,215 crore in Q1 FY27 as against Rs 9,009 crore in Q1 FY26. Net interest margin (NIM) stood at 2.52% as on 30 June 2026, down 3 basis points YoY.

Operating profit for Q1 FY27 rose 0.96% to Rs 8,636 crore from Rs 8,554 crore in Q1 FY26.

Provisions declined by 0.58% YoY to Rs 3,780 crore in the June 2026 quarter. Provision Coverage Ratio stood at 94.76% as on 30 June 2026.

Profit before tax in Q1 FY27 stood at Rs 6,556 crore, up by 5.7% from Rs 6,202 crore in Q1 FY26.

Gross non-performing assets (GNPA) ratio improved to 1.57% as at June 2026 from 2.69% as at June 2025.

Net non-performing assets (NNPA) ratio improved to 0.36% as at June 2026 from 0.63% as a...