Mumbai-based Abhyudaya Co-operative Bank Ltd. has reported a strong financial turnaround for the year ended March 31, 2026, with profitability rising sharply and bad loans declining significantly, indicating that the bank’s revival efforts are yielding tangible results.
The multi-state scheduled urban co-operative bank nearly doubled its net profit to Rs 10.11 crore in FY 2025-26 from Rs 5.22 crore in the previous financial year. Even more striking was the surge in Profit Before Tax (PBT), which jumped by over 176 per cent to Rs 96.33 crore, compared to Rs 34.87 crore a year ago.
The improved profitability was accompanied by a notable reduction in stressed assets. The bank’s Gross Non-Performing Assets (GNPA) fell by more than Rs 106 crore, declining from Rs 949.01 crore to Rs 842.42 crore during the year. Net NPAs registered an even sharper fall of nearly 28 per cent, dropping from Rs 253.25 crore to Rs 182.16 crore.
The decline in bad loans reflects the bank’s aggressive recovery drive, stronger credit monitoring mechanisms and prudent risk management practices.
Another encouraging development was the improvement in the bank’s balance sheet strength. The Provision Coverage Ratio (PCR) increased from 73.14 per cent to 78.20 per cent, while the Capital to Risk-Weighted Assets Ratio (CRAR) rose substantially from 3.62 per cent to 6.46 per cent.
A key indicator of the bank’s revival journey was the sharp improvement in its net worth position. The negative net worth reduced from Rs 157.87 crore as on March 31, 2025, to Rs 29.21 crore a year later, an improvement of nearly Rs 129 crore. The management expressed confidence that the bank would return to a positive net worth during the second quarter of the current financial year.
Commenting on the performance, the bank’s management said the substantial increase in profitability, continued reduction in NPAs, stronger provisioning and improved capital adequacy demonstrate the effectiveness of its turnaround strategy.
With profits rising, bad loans shrinking and capital strength improving, Abhyudaya Co-operative Bank is steadily moving out of a prolonged period of financial stress and strengthening its position for sustainable growth in the years ahead.
Abhyudaya Bank has faced many challenges in the past. But has recovered on its own efforts. The present progessy is from all angles. Abhyudaya bank attracts deposits like magnet. The need of the hour is to increase Advances. Take the following steps:-
Enhances marketing of advances, improve advertisement, increase advt budget. Reduce interest rate during festivals seasons. Enhance gold loans with attractive interest rate, special scheme for professional loans and for women’s. Provide full hsg loan and reduce other charges to attract genuine middle-class family.
Best of luck.
Abhyudaya Bank has faced many challenges in the past. But has recovered on its own efforts.
Improve customer service and prompt service.
Provide best online service. Advance loans based on present status and on merit.
Best of luck.
Since almost 7 year no dividend only staff getting salary and loan at 4% for higher intrest paying customer is not getting loan , for that very lengthy and orthodex system like bank oblige to customer and asking several time to come at bank
And some branch is so big and business is very small lack of staff experience and facility of bank is zero
I have had a very good experience with Abhyudaya Co-operative Bank Ltd.. The services are simple, customer-friendly, and cater to most banking needs. Although the facilities may be limited compared to larger commercial banks, all essential banking requirements are well covered.
The staff is cooperative, helpful, and approachable, making banking comfortable and hassle-free. Overall, it is a good bank for customers who prefer straightforward and personalized banking services.
“Simple banking with cooperative staff and a comfortable customer experience.”
I have had a very good experience with Abhyudaya Co-operative Bank Ltd.. The services are simple, customer-friendly, and cater to most banking needs. Although the facilities may be limited compared to larger commercial banks, all essential banking requirements are well covered.
The staff is cooperative, helpful, and approachable, making banking comfortable and hassle-free. Overall, it is a good bank for customers who prefer straightforward and personalized banking services.
“Simple banking with cooperative staff and a comfortable customer experience.”
One of the best Bank