YES Bank Q1 FY27 Results: Net Profit Jumps 34% to Rs 1,071 Crore
By Kaushik Brahmakshatriya
Published On 19 July 2026.
YES Bank Q1 FY27 results
YES Bank has kicked off FY27 on a strong note, posting a standalone net profit of Rs 1,071 crore for the quarter ended June 30, 2026, marking a 34% year-on-year jump from Rs 801 crore reported in the same period last year. The private sector lender’s earnings comfortably beat street estimates, driven by robust growth in core interest income and steady improvement in asset quality.
The bank’s Net Interest Income (NII) climbed 17.5% year-on-year to Rs 2,786 crore, up from Rs 2,371 crore in the corresponding quarter of FY26. Non-interest income also grew, rising 2.6% year-on-year to Rs 1,798 crore. Operating profit for the quarter expanded sharply by 25.5% to Rs 1,704 crore,
Net Interest Margin (NIM) improved to 2.7% from 2.5% a year earlier, reflecting better pricing discipline and a healthier loan mix. The cost-to-income ratio, a key efficiency metric, improved to 62.8% from 67.1% in the year-ago quarter, showing that the bank’s operating leverage is gradually strengthening.
On asset quality, YES Bank continued its steady turnaround. Gross NPA improved to 1.3% as of June 2026 compared to 1.6% a year earlier, while Net NPA eased to 0.2% from 0.3%. Net advances grew to Rs 2.85 lakh crore, registering an 18.3% year-on-year increase, pointing to healthy momentum in retail and broader loan disbursements.
MD & CEO Vinay M. Tonse noted that the bank began the new financial year on a strong footing, with core earnings growth continuing despite lower contributions from treasury operations and security receipts. He also highlighted that YES Bank received rating upgrades from Moody’s, CARE and ICRA during the quarter, along with its first-ever international rating from S&P Global — developments seen as important validation of the bank’s improving fundamentals.
YES Bank Q1 FY27 Financial Highlights
| Metric | Q1 FY27 (Jun 2026) | Q1 FY26 (Jun 2025) | YoY Change |
| Net Profit | Rs 1,071 crore | Rs 801 crore | +33.7% |
| Net Interest Income (NII) | Rs 2,786 crore | Rs 2,371 crore | +17.5% |
| Operating Profit | Rs 1,704 crore | ~Rs 1,358 crore | +25.5% |
| Net Interest Margin (NIM) | 2.7% | 2.5% | Improved |
| Gross NPA | 1.3% | 1.6% | Improved |
| Net NPA | 0.2% | 0.3% | Improved |
YES Bank Business Highlights
| Parameter | Q1 FY27 Figure | Remarks |
| Net Advances | Rs 2.85 lakh crore | Up 18.3% YoY |
| Non-Interest Income | Rs 1,798 crore | Up 2.6% YoY |
| Cost-to-Income Ratio | 62.8% | Improved from 67.1% |
| Provisions & Contingencies | Rs 39.45 crore | Higher than year-ago quarter |
| AGM Date | August 19, 2026 | 22nd Annual General Meeting |
Overall, YES Bank’s Q1 FY27 performance signals a bank steadily consolidating its recovery, with core banking operations doing the heavy lifting rather than one-off treasury gains. Analysts will now watch how the bank sustains this momentum through the rest of FY27, particularly amid a broader industry backdrop of tighter systemic liquidity and rising deposit costs.
Frequently Asked Questions (FAQs)
1. What was YES Bank’s net profit in Q1 FY27?
YES Bank reported a standalone net profit of Rs 1,071 crore for the quarter ended June 30, 2026, up 34% year-on-year.
2. How much did YES Bank’s Net Interest Income grow in Q1 FY27?
YES Bank’s NII rose 17.5% year-on-year to Rs 2,786 crore in Q1 FY27, compared to Rs 2,371 crore in the same quarter last year.
3. What is YES Bank’s asset quality status in Q1 FY27?
Gross NPA improved to 1.3% and Net NPA improved to 0.2% as of June 30, 2026, showing continued improvement in asset quality.
4. What is YES Bank’s Net Interest Margin (NIM) for Q1 FY27?
YES Bank’s NIM stood at 2.7% in Q1 FY27, up from 2.5% in the year-ago quarter.
5. Who is the CEO of YES Bank?
Vinay M. Tonse serves as the Managing Director and CEO of YES Bank.
6. When is YES Bank’s AGM scheduled?
YES Bank’s 22nd Annual General Meeting is scheduled for Wednesday, August 19, 2026.
7. Did YES Bank receive any rating upgrades in Q1 FY27?
Yes, YES Bank received rating upgrades from Moody’s, CARE and ICRA, along with its first international rating from S&P Global during the quarter.
Disclaimer :
This is for informational purposes only and should not be considered investment advice. Please consult a certified financial advisor before making investment decisions.We are not responsible for any financial loss.
