Q3 FY2026 Quarterly Result Highlights of HDFC Bank, ICICI Bank, Netweb Tech, PNB, Can Fin Homes, Punjab & Sind Bank, UCO Bank, Hatsun Agro, CEAT, Yes Bank, JK Cement & RBL Bank

HDFC Bank Q3 FY2026 Results Highlights: Net profit rises 11%

• HDFC Bank reported an 11.5% YoY rise in standalone net profit to Rs 18,650 crore for the December quarter, supported by steady core earnings, margin expansion and lower credit costs.
• Net interest income grew 6.4%, while asset quality remained stable, with gross NPAs unchanged sequentially at 1.24 percent. NIMs improved 8 bps QoQ to 3.35%, reflecting easing funding costs and CRR benefit.
• HDFC Bank reported steady Q3FY26 performance, with advances up 11.9% YoY (2.7% QoQ) to ₹28.5 lakh crore, driven by MSME and corporate segments, while deposits grew 11.6% YoY (2.1% QoQ) to ₹28.6 lakh crore, led by term deposits (+12.3% YoY).
• Operating performance was benign, with staff costs up 21.1% YoY, owing to wage revisions and labour-code provisioning (~₹800 crore in Q3).
• Including release of ₹1,040 crore of contingent provision, PAT grew 11.5% YoY to ₹18,654 crore, while asset quality remained stable with slippages (ex-agri) at ~24 bps.
• Advances Under Management: INR29.5 trillion, 9.8% higher than prior year.
• Credit-Deposit (CD) Ratio: 98.7% as of end of December.
• Total Deposits: INR28.6 trillion, 11.6% year-on-year growth.
• Net Revenues: INR459 billion, 8.9% growth over prior year.
• Net Interest Income: INR326 billion, 6.4% growth.
• Core Net Interest Margin: 3.35% for the quarter.
• Other Income: INR133 billion, 15.7% growth versus prior year.
• Operating Expenses: INR188 billion, 5.1% increase over prior year.
• Gross NPA Ratio: 1.24%, flat compared to prior quarter.
• Net NPA Ratio: 0.42%, flat to prior quarter.
• Net Profit After Tax: INR187 billion, 11.5% growth over prior year.
• Return on Assets (ROA) at 1.9% for the quarter & Return on Equity (ROE) at 13.9% for the quarter.
• Stock Verdict: Negative

ICICI Bank Q3 FY2026 Results Highlights

• Net profit declined 4 percent year on year to Rs 11,318 crore, primarily because provisions jumped sharply to Rs 2,556 crore from Rs 914 crore in the previous quarter
• Total Revenue at ₹49,334 crore, up 2% YoY
• Core Operating Profit at ₹17,513 crore, up 6% YoY
• Non-Interest Income at ₹7,525 crore, up 12.4% YoY
• ICICI Bank delivered healthy business growth but fell short of profit expectations due to higher provisioning.
• Net interest income increased 7.7 percent year on year to Rs 21,932 crore, while net interest margin remained flat at 4.30 percent. Operating profit rose 3 percent year on year to Rs 17,356 crore.
• Despite higher provisions, asset quality improved marginally. Gross NPA declined to 1.53 percent from 1.58 percent quarter on quarter, and net NPA improved to 0.37 percent from 0.39 percent. This suggests the provisioning was largely precautionary rather than driven by fresh stress.
• ICICI Bank continued to gain market share. Total advances rose 11.5 percent year on year to Rs 14.66 lakh crore, while deposits grew 9.2 percent year on year to Rs 16.59 lakh crore. This healthy balance sheet expansion supports long-term growth prospects.
• Stock Verdict: Negative

Netweb Technologies Q3FY2026 Result Highlights – Revenue & Profit more than Double

• Revenue ₹804.93 Cr ↑ 165.03% QoQ, ↑ 141.00% YoY
• EBITDA ₹97.95 Cr ↑ 115.46% QoQ, ↑ 127.10% YoY
• EBITDA Margin 12.17% vs 14.97% (QoQ), 12.91% (YoY)
• PAT ₹73.31 Cr ↑ 133.24% QoQ, ↑ 146.67% YoY
• Stock Verdict: Positive

Punjab National Bank Q3 FY2026 Result

• • NII: Rs 11187 Cr Vs Rs 11032 Cr..
• • EBIT: Rs 7317 Cr Vs Rs 6620 Cr..
• • EBIT Margin: 52.36% Vs 45.84%..
• • Net Profit: Rs 4715 Cr Vs Rs 4508 Cr..

Punjab & Sind Bank Q3FY2026 Result Highlights

• Revenue ₹3,849.21 Cr ↓ 3.18% QoQ, ↑ 14.10% YoY
• EBITDA ₹594.28 Cr ↓ 17.66% QoQ, ↑ 22.79% YoY
• EBITDA Margin 15.44% vs 15.44% (QoQ), 14.35% (YoY)
• PAT ₹336.42 Cr ↓ 14.23% QoQ, ↑ 19.31% YoY

Can Fin Homes Q3FY2026 Result Highlights

• Revenue ₹1,073.16 Cr ↑ 2.26% QoQ, ↑ 8.82% YoY
• EBITDA ₹987.56 Cr ↑ 1.38% QoQ, ↑ 8.76% YoY
• EBITDA Margin 92.02% vs 92.82% (QoQ), 92.08% (YoY)
• PAT ₹264.78 Cr ↑ 5.31% QoQ, ↑ 24.83% YoY
• Stock Verdict: Negative

UCO Bank Q3FY2026 Result Highlights: Profit up 16%

• NET PROFIT: ₹73.9 bn vs ₹63.9 bn (YoY ↑ ~16%)
• REVENUE: ₹752.1 bn vs ₹740.6 bn (YoY ↑ ~2%)
• OPERATING MARGIN: Strong at 75.6%, stable QoQ
• EPS: Improved to ₹0.6 vs ₹0.5 (YoY ↑ ~20%)

Hatsun Agro Product Q3FY2026 Results Highlights

• Revenue ₹2,363.72 Cr ↓ 2.63% QoQ, ↑ 17.61% YoY
• EBITDA ₹255.53 Cr ↓ 21.37% QoQ, ↑ 19.29% YoY
• EBITDA Margin 10.81% vs 13.40% (QoQ), 10.66% (YoY)
• PAT ₹60.58 Cr ↓ 44.60% QoQ, ↑ 47.97% YoY

CEAT Q3FY2026 Results Highlights

• Net Profit: ₹155.77 Cr ↑ 60% YoY | ↓ 16% QoQ
• Revenue: ₹4,157.05 Cr ↑ 26% YoY | ↑ 10% QoQ
• EBITDA: ₹563.35 Cr ↑ 65% YoY | ↑ 12% QoQ
• Margins: 13.55% vs 10.33% ↑ YoY | 13.55% vs 13.34% ↑ QoQ

Yes Bank Q3 FY2026 Results Highlights

• Net Profit: INR 952 crore, a growth of 55% YoY and 45% QoQ.
• Adjusted Net Profit: INR 1,068 crore after accounting for gratuity provision impact.
• Annualized ROA: Improved to 0.9% from 0.6% in the previous quarter.
• Pre-Provisioning Operating Profit: INR 1,389 crore, up 28.7% YoY and 7.1% QoQ.
• Cost-to-Income Ratio: 66%, improved from 67.1% in the previous quarter.
• Total Advances: INR 2.57 lakh crore, with a 2.9% QoQ growth and 5.2% YoY growth.
• Retail Segment Advances: 47% of total advances.
• Total Deposits: INR 2.93 lakh crore, a growth of 5.5%.
• Retail Deposits Growth: 12% YoY on a quarterly average balance basis.
• CASA Ratio: 66.2% of total deposits, up from 62.6% YoY.
• Net Interest Margin (NIM): 2.6%, a 12 basis point increase QoQ and 24 basis points YoY.
• Gross NPAs: Improved to 1.5% from 1.6% in the previous quarter. Net NPAs stable at 0.3%.
• Provision Coverage Ratio: Increased to 83.3% from 81% in the previous quarter.

JK Cement Q3 FY2026 Result Highlights

• JK Cement clocked Q3 FY26 consolidated revenue of ₹3,463.07 crores vs ₹2,930.28 crores. 
• On the profit front, JK Cement earned a consolidated PAT of ₹174.63 crore in Q3 FY26. During FY25, the company’s PAT stood at ₹189.62 crore.
• According to the consolidated figures, JK Cement’s quarterly PAT decreased by 7.91% YoY, while revenue increased by 18.18%.
• JK Cement clocked Q3 FY26 standalone revenue of ₹3,212.82 crores vs ₹2,739.20 crores. 
• On the profit front, JK Cement earned a standalone PAT of ₹180.54 crore in Q3 FY26. During FY25, the company’s PAT stood at ₹199.75 crore.
• According to the standalone figures, JK Cement’s quarterly PAT decreased by 9.62% YoY, while revenue increased by 17.29%.
• Standalone Net Sales: INR 3,132 crores, up 14% from the previous quarter and 19% year-on-year.
• Standalone EBITDA: INR 536 crores, a 22% increase from the previous quarter and 10% year-on-year.
• Standalone EBITDA Margin: 17.1% for the quarter, compared to 15.9% in the previous quarter and 18.4% in the previous year.
• Standalone EPS: INR 23.30, compared to INR 22.70 in the previous quarter and INR 25.80 in the previous year.
• Standalone EBITDA per Ton: INR 928, compared to INR 902 in the previous quarter and INR 1,022 in the previous year.
• Consolidated Net Sales: INR 3,383 crores, up 15% from the previous quarter and 20% year-on-year.
• Consolidated Profit Before Tax: INR 268 crores, compared to INR 243 crores in the previous quarter and INR 279 crores in the previous year.
• Volume Growth: 20% quarter-on-quarter and 23% year-on-year.
• Project Expansion: Brownfield expansion of 6 million tons in Central India, with several units already commissioned

RBL Bank Q3 FY2026 Results Highlights: Net Profit Surged by 381.72% & Revenue Up 2.34% YoY

• RBL Bank clocked Q3 FY26 consolidated revenue of ₹1,818.42 crores vs ₹1,057.03 crores. 
• On the profit front, RBL Bank earned a consolidated PAT of ₹150.22 crore in Q3 FY26. During FY25, the company’s PAT stood at ₹18.73 crore.
• According to the consolidated figures, the RBL Bank’s quarterly PAT increased by 381.72% YoY, while revenue increased by 2.34%.
• RBL Bank clocked Q3 FY26 standalone revenue of ₹4,717.00 crores vs ₹4,609.66 crores. 
• On the profit front,  RBL Bank earned a standalone PAT of ₹213.88 crore in Q3 FY26. During FY25, the company’s PAT stood at ₹32.63 crore.