Banking & Finance     

Published: April 30, 2026
Updated: April 30, 2026

Cosmos Bank

Veteran bank with modern ambitions

Business milestone of Rs 44,000 cr

Established way back in 1906, the Pune-based leading multi-state scheduled bank, Cosmos Bank, has reported an impressive performance for financial year 2025–26, posting strong growth in deposits, advances and overall business while maintaining asset quality within regulatory norms. The announcement was made by Chairman Pralhad Kokare.

According to unaudited figures, its total business crossed the Rs 44,000-crore mark as on March 31, 2026, registering a year-on-year growth of 14 per cent. The overall business expansion stood at Rs 5,366 crore during the year, reflecting steady traction across both deposit mobilisation and credit disbursement.

Deposits rose by Rs 3,215 crore to reach Rs 26,122 crore, indicating sustained customer confidence and a growing liability base. On the asset side, advances increased by Rs 2,151 crore, taking the total loan portfolio to Rs 17,878 crore. The bank attributed this growth to its continued focus on retail and smallticket lending, aligned with regulatory expectations.

In compliance with norms set by the Reserve Bank of India, Cosmos Bank maintained a healthy composition of its loan book. Loans up to Rs 3 crore constituted 52.52 per cent of the total credit portfolio, surpassing the mandated threshold of 50 per cent for such small loans. This reflects the bank’s emphasis on supporting MSMEs, small businesses and individual borrowers.

On the asset quality front, the bank reported a gross Non-Performing Asset (NPA) ratio of 3.10 per cent and a net NPA of 0.90 per cent as of March 31, 2026. The management indicated that the numbers demonstrate effective risk management and recovery mechanisms in a challenging credit environment.

Expanding its geographical footprint, Cosmos Bank inaugurated 10 new branches in Gujarat during the year, taking its network in the state to 38 branches. Overall, the bank now operates 193 branches across seven states. The management reiterated their intent to deepen the bank’s presence in high-growth regions, particularly South India and Western Maharashtra, as part of its medium-term expansion strategy, and also expressed optimism about sustaining growth momentum in the coming financial year, backed by digital initiatives, branch expansion and customer-centric offerings.

With a balanced focus on growth, compliance and asset quality, Cosmos Bank’s FY26 performance underscores the resilience of the cooperative banking sector amid evolving financial dynamics.