Retail deposits formed the bulk of the total deposits at 78.4 per cent, which showed an increase of 34 per cent to Rs 44,760 crore as on March 31, 2020, Bandhan Bank said in a regulatory filing.

The bank's retail deposits stood at Rs 33,445 crore in the year-ago fiscal.

The data compares the standalone business as on March 31, 2019, to that of the merged entity by end of March 31, 2020.

In October 2019, the bank had merged with Gruh Finance in order to bring down shareholding of the promoter from 82.26 per cent to 60.96 per cent.

Loans and advances jumped by 60 per cent to Rs 71,825 crore during 2019-20, from Rs 44,776 crore the year before.

The percentage of micro banking deposits to total deposits of the bank was 5.7 per cent by the end of fiscal FY20.

On micro banking business, its collection efficiency pan-India for the period from January 1, 2020, till March 21, 2020, stands at nearly 98.7 per cent. "Further, deposits from microbanking customers continues to be strong and stable despite three weeks of lockdown," Bandhan Bank said.

Liquidity coverage ratio (LCR) as on March 31, 2020, stood at nearly 161 per cent.

"As on March 31, 2020, the bank was having excess liquidity amounting to about Rs 8,402 crore. In addition, the bank is in a position to draw up to nearly Rs 1,815 crore under MSF (marginal standing facility which is the rate at which banks can borrow overnight loans from RBI against the approved government securities) of RBI," it said further.

The lender's capital adequacy ratio as on March 31, 2020, stood at 26.7 per cent and tier 1 Common Capital Ratio (CET 1) was at about 25.5 per cent.

The Kolkata-headquartered bank said these figures were provisional unaudited numbers and were subject to review/ examine by the audit committee and board of directors as well by the statutory auditors of the bank.

Shares of Bandhan Bank were trading at Rs 175.85 apiece on BSE, down 8.55 per cent from their previous close.