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Auto shares jumped after declining in the past trading session.
At 12:25 IST, the barometer index, the S&P BSE Sensex, declined 273.96 points or 0.31% to 84,144.87. The Nifty 50 index dropped 87.85 points or 0.34% to 25,791.
The broader market outperformed the frontline indices. The S&P BSE Mid-Cap index shed 0.09% and the S&P BSE Small-Cap index fell 0.07%.
The market breadth was negative. On the BSE, 1,819 shares rose and 2,106 shares fell. A total of 207 shares were unchanged.
Derivatives:
The NSE's India VIX, a gauge of the market's expectation of volatility over the near term, rose 0.43% to 12.12. The Nifty 25 November 2025 futures were trading at 25,959.20. at a premium of 168.20 points as compared with the spot at 25,791.
The Nifty option chain for the 25 November 2025 expiry showed a maximum call OI of 52.5 lakh contracts at the 26,000 strike price. Maximum put OI of 49.8 lakh contracts was seen at the 26,000 strike price.
Buzzing Index:
The Nifty Auto index advanced 0.67% to 27,009. The index fell 0.48% in the past trading session.
United Spirits (up 3.89%), ITC (up 1.23%), Godrej Consumer Products (up 0.97%), Radico Khaitan (up 0.48%), United Breweries (up 0.27%) and Marico (up 0.15%) surged.
Stocks in Spotlight:
Bandhan Bank slumps 6.92% after reporting a sharp decline in profitability for the September 2025 quarter, weighed down by higher provisions. The bank’s net profit plunged 88.1% year-on-year to Rs 112 crore in Q2 FY26 from Rs 937 crore in Q2 FY25, primarily due to a steep rise in provisions. Net total income declined 11.5% YoY to Rs 3,135 crore from Rs 3,543 crore in the corresponding quarter last year.
Mphasis declined 4.58%. The company has reported 6.20% rise in consolidated net profit to Rs 469.07 crore on a 4.54% rise in revenue to Rs 3,901.91 crore in Q2 FY26 as compared with Q1 FY26.
Net total income declined 11.5% YoY to Rs 3,135 crore from Rs 3,543 crore in the corresponding quarter last year. The bank’s net interest income (NII) fell 11.8% to Rs 2,589 crore from Rs 2,934 crore a year ago. The net interest margin (NIM) stood at 5.8%, registering a 152 basis points (bps) y-o-y decline.
Operating profit dropped 29.4% YoY to Rs 1,310 crore from Rs 1,855 crore in Q2 FY25. Meanwhile, provisions and contingencies surged 90.26% to Rs 1,153 crore compared to Rs 606 crore in the same quarter last year, eroding bottom-line performance.
On the balance sheet front, gross advances stood at Rs 1.4 lakh crore, up 7% YoY and 5% QoQ, indicating moderate credit growth. Secured advances rose 25% YoY, now accounting for 55% of total advances versus 47% a year earlier.
Within the lending mix, retail (non-housing) loans grew 66% YoY, wholesale banking rose 27%, and the housing portfolio expanded 12%. However, the bank’s core microfinance (EEB) book saw a 13% YoY decline. Non-EEB advances grew 24% YoY, now contributing 63% to the total loan book compared with 55% in Q2 FY25.
On the liability side, total deposits rose 11% YoY to Rs 1.6 lakh crore, with a 2% sequential growth. CASA deposits stood at Rs 44,211 crore, translating into a CASA ratio of 28%. The CASA + retail term deposits to total deposits ratio was 71%, highlighting a stable funding base.
In terms of asset quality, gross NPAs remained steady at 5%, while net NPAs stood at 1.4%, unchanged from Q1 FY26. The provision coverage ratio (PCR) was at 73.7%, while collection efficiency for Emerging Entrepreneurs Business (EEB) loans improved marginally to 98%.
The bank’s capital adequacy ratio (CAR) stood strong at 18.6% as of 30 September 2025, comfortably above the regulatory requirement of 11.5%.
Commenting on the performance, Partha Pratim Sengupta, MD & CEO, said, 'Bandhan Bank's current quarter performance reflects a transitional phase for the bank as we continue to realign towards a more diverse and resilient portfolio. As we drive this transformation, we are looking to achieve a balanced profitable growth to drive sustainable long term value creation for our stakeholders. By focusing on innovation in technology, refining our processes, and enhancing products and people capabilities, we are well-positioned to drive the next phase of growth for Bandhan Bank 2.0.'
Bandhan Bank is a private sector bank. Its distribution network spans nearly 6,350 outlets. It added 9 lakh customers during the quarter and current customers stand at over 3.23 crore customers. The bank currently has over 73,500 employees.
Restaurant Brands Asia Ltd, Share India Securities Ltd, Maharashtra Scooters Ltd and Apar Industries Ltd are among the other losers in the BSE's 'A' group today, 31 October 2025.
Bandhan Bank Ltd crashed 7.62% to Rs 157.5 at 14:47 IST.The stock was the biggest loser in the BSE's 'A' group.On the BSE, 45.86 lakh shares were traded on the counter so far as against the average daily volumes of 4.66 lakh shares in the past one month.
Restaurant Brands Asia Ltd tumbled 6.95% to Rs 66.94. The stock was the second biggest loser in 'A' group.On the BSE, 1.93 lakh shares were traded on the counter so far as against the average daily volumes of 73868 shares in the past one month.
Share India Securities Ltd lost 6.19% to Rs 187.25. The stock was the third biggest loser in 'A' group.On the BSE, 97385 shares were traded on the counter so far as against the average daily volumes of 3.8 lakh shares in the past one month.
Maharashtra Scooters Ltd fell 6.11% to Rs 15210. The stock was the fourth biggest loser in 'A' group.On the BSE, 632 shares were traded on the counter so far as against the average daily volumes of 285 shares in the past one month.
Apar Industries Ltd corrected 5.99% to Rs 8696.15. The stock was the fifth biggest loser in 'A' group.On the BSE, 18099 shares were traded on the counter so far as against the average daily volumes of 4171 shares in the past one month.
On a sequential basis, the gross advances are higher by 4.8% as compared with Rs 133,625 crore as on 30 June 2025.
Total deposits of the bank added up to Rs 157,975 crore as on 30 September 2025, up 10.9% YoY and up 2.1% QoQ.
As on 30 September 2025, CASA aggregated to Rs 44,214 crore (down 6.5% YoY) and retail term deposits amounted to Rs 68,539 crore (up 39% YoY).
Bulk to total term deposits ratio was at 39.8% as on 30 September 2025 as against 48.2% as on 30 September 2024.
Liquidity coverage ratio (LCR), as on 30 September 2025, stood at approximately 152.68%.
Pan-bank collection efficiency (excluding NPA) was at 98.0% as on 30 September 2025 as against 97.9% as on 30 September 2024.
Bandhan Bank is headquartered in Kolkata and offers group-based individual lending services in the microfinance segment. It operates through a network of 4594 branches, business units, and GRUH centres, spread across 35 states and union territories.
The bank reported 65.02% de-growth in standalone net profit to Rs 371.96 crore on a 1.97% rise in total income to Rs 6,201.49 crore in Q1 FY26 over Q1 FY25.
The scrip shed 0.51% to currently trade at Rs 165.05 on the BSE.