Yes Bank Q2 FY27: Loans +24%, results on Oct 17

Why this update matters ahead of Q2 earnings

Indian banks are heading into the Q2 earnings season with strong loan growth, aided by FCNR(B) deposit inflows, while net interest margins are expected to remain under pressure. Against that broader backdrop, Yes Bank’s provisional Q2 FY27 business update has drawn market attention because it shows a sharp rise in advances and deposits at the end of September.

The lender also informed exchanges that its board will meet on October 17, 2026, to consider and approve unaudited standalone and consolidated financial results for the quarter and half year ended September 30, 2026. With the earnings date set, investors are now watching how growth translates into profitability, given the mix shift in deposits and changes in the CASA ratio.

Board meeting date for Q2 and H1 FY27 results

Yes Bank told the BSE that the meeting of its Board of Directors is scheduled on October 17, 2026. The stated agenda includes considering and approving unaudited financial results for Q2 and the half year ended September 30, 2026.

The bank did not announce the exact time for the Q2 release. It noted that in the last two quarters, earnings were released between 1:30 pm and 2 pm. The update also noted that the trading window remains closed.

Stock reaction: shares rise on the business update

Yes Bank shares moved higher after the provisional Q2 FY27 operating metrics were reported. On October 5, the stock was up 1.64% at ₹21.09 on the NSE at 2:16 pm.

In a separate update around the same development, the stock gained about 3% to ₹21.22 on the BSE. The price action followed the headline growth in loans and deposits, which signalled continued business momentum going into the results.

Loans jump 23.8% YoY to ₹3.10 lakh crore

In its business update for the July-September quarter (Q2 FY27), Yes Bank reported loans and advances of ₹309,675 crore. This was a 23.8% year-on-year (YoY) increase compared with ₹250,212 crore in the year-ago quarter.

The bank also reported an 8.6% sequential rise in advances compared with the previous quarter’s level (reported as around ₹2.85 lakh crore). For investors, the key near-term question is whether this pace of growth is accompanied by stable asset quality and adequate capital buffers.

Deposits rise 19.5% YoY; FCNR(B) normalisation highlighted

Yes Bank’s total deposits stood at ₹354,084 crore in Q2 FY27, up 19.5% YoY from ₹296,276 crore. Sequentially, deposits increased 12.3% from around ₹3.15 lakh crore reported in Q1 FY27.

The bank also provided a normalised view of deposit growth excluding FCNR(B) deposits. On that basis, deposits growth was stated at 6.5% YoY and 13.2% QoQ. This separation is relevant in a quarter where FCNR(B) inflows have been discussed as a system-level support for bank funding.

CASA ratio declines to 30% as mix shifts

The lender reported CASA deposits of around ₹1.06 lakh crore, up about 6.6% YoY from ₹99,708 crore as of September 30, 2025. However, the CASA ratio fell to 30% in Q2 FY27 from 33.7% in Q2 FY26 and 32.7% in Q1 FY27.

Yes Bank also shared a normalised CASA ratio (excluding the special RBI scheme) of 31.7% for Q2 FY27. The mix matters because lower CASA typically implies a higher cost of funds, which can weigh on margins when lending yields do not rise at the same pace.

Credit-to-deposit and liquidity metrics

The bank’s credit-to-deposit ratio rose slightly on a YoY basis to 87.5% in Q2 FY27 from 84.5% a year earlier. Sequentially, it moderated from 90.4% in the quarter ended June 30, 2026.

Yes Bank also disclosed that its average quarterly liquidity coverage ratio (LCR) stood at 131.4%. The combination of a moderating credit-to-deposit ratio and a reported LCR above 100% was presented alongside the higher balance-sheet growth.

Recent financial snapshot: quarterly income, profit and provisions

Alongside the operating update and earnings date, published financial data points show the recent trend in income, profitability, and credit costs. Total income for June 2026 was ₹9,924.99 crore versus ₹9,478.14 crore in March 2026, a 4.71% QoQ increase.

Operating profit in June 2026 was ₹1,311.05 crore compared with ₹1,449.49 crore in March 2026, a 9.55% QoQ decline. Profit after tax in June 2026 was ₹1,071.80 crore compared with ₹1,082.19 crore in March 2026, a 0.97% QoQ decline. The table below also lists provisions, which can influence near-term earnings volatility.

FY25 vs FY26: revenue and operating profit trend

On an annual basis, Yes Bank reported revenue of ₹37,292.75 crore in FY26 compared with ₹37,075.62 crore in FY25, a 0.59% year-on-year increase. Operating profit rose to ₹4,643.42 crore in FY26 from ₹3,223.94 crore in FY25, a 44.03% increase.

These figures provide context for how operating leverage and provisioning cycles can affect profitability even when top-line growth is modest. They also set a baseline ahead of the Q2 FY27 print, where investors will compare growth-led momentum with profitability drivers.

Key facts table: Q2 FY27 business update and key dates

Market impact: what investors will track into Oct 17

The provisional Q2 FY27 update shows Yes Bank growing both sides of the balance sheet quickly, with advances up nearly 24% YoY and deposits up nearly 20% YoY. At the same time, the CASA ratio declined to 30%, indicating a shift in deposit mix compared with the previous year.

This mix shift matters in a quarter where margins for banks are being discussed as an area under pressure. Investors are likely to watch how the cost of funds and lending yields play out in the results, alongside trends in provisions and contingencies, which rose to ₹394.48 crore in June 2026 from ₹187.55 crore in March 2026.

Analysis: growth visibility vs margin and mix questions

Yes Bank’s update provides clear visibility on growth: advances rose both YoY and QoQ, and deposits increased meaningfully with a stated FCNR(B)-normalised view. The normalised metrics help investors separate underlying traction from the impact of special inflows.

However, the lower CASA ratio means the incremental funding mix may not be as favourable as in the prior year, which can feed into net interest margin outcomes. The bank’s Q2 results, due after the October 17 board meeting, will be the main point of confirmation for how these moving parts affected profitability, especially in light of quarterly movements in operating profit and provisions.

Conclusion: focus shifts to the official Q2 numbers

Yes Bank has set October 17, 2026, as the date for its board to consider Q2 and H1 FY27 unaudited results, after reporting strong provisional growth in loans and deposits for the quarter ended September 30, 2026. The market reaction has been positive following the update.

The next key milestone is the official financial release after the board meeting, where investors will look for clarity on margins, deposit mix trends, and the impact of provisions alongside the reported balance-sheet growth.