1. CASA ratio at 50.8% - CASA deposits crossed ₹1.58 lakh crore, up 25% YoY, lifting the CASA ratio to 50.8% in Q1 FY27. This low-cost base keeps funding costs near 6%, widening margins as the bank grows its loan book.
2. Retail deposit granularity - Average CASA deposits grew 27.8% YoY, with savings accounts up 27.3% and current accounts up 31.2%. Granular retail deposits reduce reliance on bulk funding, cutting interest expense and supporting stable net interest margins.
3. Customer deposits growth - Customer deposits reached ₹2,99,405 crore, up 16.6% YoY, with total deposits at ₹3,11,892 crore. This deposit base funds the bank's retail loan growth without costly wholesale borrowing, protecting margins as assets expand.
4. CASA mobilization share - CASA contributed \~75% of incremental deposits in Q3 FY26. Sustained high CASA share in new deposits keeps the mix shifting toward cheap funds, lowering the cost of funds further as the book grows.
5. 7-year CASA CAGR of 51.8% - CASA deposits have compounded at 51.8% annually over seven years, reaching ₹1.58 lakh crore. This track record shows the deposit engine can keep funding loan growth at a cost advantage competitors struggle to match.