Yes Bank Ltd reported steady growth in both its loan and deposit portfolios for September 2025, signalling improving business activity, customer confidence, and stable performance in India’s private banking sector.
Loan Growth Accelerates to ₹2.50 Trillion
Yes Bank’s loan book expanded to ₹2.50 trillion, a 6.38% year-on-year (YoY) increase from ₹2.35 trillion in September 2024. The growth highlights the bank’s continued push to scale its lending operations and strengthen its retail and corporate credit segments.
Deposits Rise 5.71% Year-on-Year
In tandem with its lending growth, deposits increased to ₹2.96 trillion, up 5.71% YoY from ₹2.80 trillion a year earlier. The rise in deposits underscores sustained customer trust and reflects the bank’s focus on improving deposit mobilization through competitive offerings and digital banking initiatives.
Key Performance Snapshot
| Metric | September 2025 | September 2024 | YoY Growth |
| Loans & Advances | ₹2.50 trillion | ₹2.35 trillion | +6.38% |
| Deposits | ₹2.96 trillion | ₹2.80 trillion | +5.71% |
Analysis and Outlook
The simultaneous rise in loans and deposits reflects a balanced growth trajectory for Yes Bank, suggesting enhanced business momentum and improving credit demand. The slightly faster growth in loans compared to deposits points to robust lending activity and possibly improved utilization of funds.
Analysts note that sustained improvement in asset quality, net interest margins (NIMs), and profitability metrics will be key in determining the bank’s long-term growth stability. Nevertheless, the September figures mark a positive sign for Yes Bank’s ongoing turnaround and reinforce its position among India’s major private lenders.
Summary
- Loans: ₹2.50 trillion, up 6.38% YoY
- Deposits: ₹2.96 trillion, up 5.71% YoY
- Implication: Indicates strong business activity and improving customer confidence.
- Outlook: Continued focus on lending expansion, deposit growth, and maintaining balance sheet strength.
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