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Debadatta Chand

Managing Director & CEO, Bank of Baroda

Search every verified Debadatta Chand interview, podcast appearance, and on-the-record quote — each transcript cross-checked by AI and human review to confirm speaker identity. In an October 2026 interview with Zee Business, Bank of Baroda Managing Director and CEO Debadatta Chand discussed the revised UPI MDR framework, which took effect on October 15. Chand stated that the framework retains zero MDR for person-to-person transactions and exempts person-to-merchant transactions below ₹2,000, as well as those above ₹2,000 for small merchants with monthly transactions below ₹1 lakh. He described the framework as an important step toward making the UPI system more robust and self-sustaining, adding that any benefits from the revised charges would be reinvested in technology and the UPI ecosystem to improve customer experience. Chand also reported that Bank of Baroda received approximately $8 billion under the FCNR(B) scheme, and that combined with bonds raised through global markets via ECB, MTN, and OFCB instruments—totaling about $1.1 billion—the bank saw a total inflow of roughly $9 to $9.1 billion. He said this flow would help the bank meet credit demand during the festive season, which he noted is typically strong in the December and March quarters.

Recent appearances

  • Bank of Baroda Big Interview: UPI MDR Rules, RBI Policy & Loan Growth | MD Debadatta Chand

    October 01, 2026 · 📺 Zee Business

    What will be the impact of changes in the UPI MDR framework? How will customers benefit? Will the RBI hike interest rates this time? How is loan demand growth in the festive season? How much money did Bank of Baroda get under the FCNR-B Scheme? Watch the special conversation between Anil Singhvi and Bank of Baroda's MD & CEO, Dr. Debadatta Chand. #UPIMDR #UPIFramework #BankOfBaroda #DebadattaChand #RBIInterestRate About Zee Business: Zee Business is India’s leading business news channel, bringing you the latest Business News, Stock Market News, Share Market Updates, Sensex, Nifty, an…

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  • Bank Of Baroda Q1 Review: Profit Slumps 72%, CEO Debadatta Chand Weighs In

    July 27, 2026 · 📺 NDTV Profit

    Bank of Baroda Managing Director and CEO Debadatta Chand said the NMC Health litigation settlement is full and final, removing the exceptional legal overhang that weighed heavily on the lender’s June-quarter profit. Despite the one-time settlement expense, the bank reported 9.5% year-on-year growth in net interest income and 17.4% growth in global advances #bankofbaroda #stockmarket #stockmarketindia #bankingstocks For more videos subscribe to our channel:    / @ndtvprofitindia   Visit NDTV Profit for more news: https://www.ndtvprofit.com/ Don't enter the stock market unaware. Read all R…

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  • Is Bank Of Baroda Still A Buy? CEO Reveals What's Next After Q1 Earnings | Business News | ET Now

    July 27, 2026 · 📺 ET Now

    Is Bank Of Baroda Still A Buy? CEO Reveals What's Next After Q1 Earnings | Business News | ET Now Bank of Baroda reported its Q1 FY27 earnings, with margins under pressure but management remaining confident about growth ahead. In this exclusive ET Now interview, CEO Debadatta Chand discusses NIM guidance, ECL implementation, ROA outlook, capital raising plans, CASA growth, FCNR deposits, and the bank's strategy for sustaining credit growth. Watch the full conversation for key insights into one of India's leading PSU banks. #bankofbaroda #q1results #psubanks #bankingstocks #stockmarket #earning…

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  • Bank of Baroda Earnings Review | Exclusive Interview with MD & CEO Debadatta Chand

    July 27, 2026 · 📺 Zee Business

    Q1 में मुनाफा 71% घटकर ₹1278 करोड़ जून तिमाही में कितनी डिपॉजिट ग्रोथ? नतीजों के लिए क्या रहे अहम ट्रिगर्स? किस सेगमेंट से BoB को ज्यादा सपोर्ट? देखिए Bank of Baroda के MD & CEO डॉ. देबदत्त चांद से खास बातचीत #BankOfBaroda #BoB #BoBResults #BankOfBarodaQ1 #BankingResults #QuarterlyResults @bankofbaroda @Ektaexplores About Zee Business: Zee Business is India's Number 1 Hindi business news channel. It's your channel for profit and wealth. Watch Live coverage of Indian markets - Sensex & Nifty, also for expert insights and advise from our team of experts. ------------------------…

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  • Bank of Baroda Ltd Q1 FY2026-27 Earnings Conference Call

    July 24, 2026 · 📺 AlphaStreet India

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  • Bank of Baroda I Leading With Trust I bob Turns 119

    July 23, 2026 · 📺 Bank of Baroda

    Trust has always been the foundation of our journey. Bank of Baroda marked its 119th Foundation Day, honouring a legacy built on integrity, commitment, and progress. The event commenced with a tribute to our Founder, Maharaja Sir Sayajirao Gaekwad III, and brought together employees and their families to commemorate an institution that has proudly served generations. Addressing the gathering, Dr. Debadatta Chand, Managing Director & CEO, reflected on the Bank's remarkable journey and reaffirmed our commitment to the Foundation Day theme, "Leading with Trust." The occasion was further enric…

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  • Expecting $4-5 Billion Inflows Through Bonds, Borrowings And FCNR(B) Deposits: Bank Of Baroda

    June 11, 2026 · 📺 CNBC-TV18

    The RBI's decision to bear the entire hedging costs of the foreign currency non -resident (FCNR) deposits has had a positive impact on banking stocks, with Bank of Baroda being one of the best performers. In conversation with Latha Venkatesh, Bank of Baroda MD & CEO, Debadatta Chand says: -Current rates remain attractive for overseas investors We are comfortable with the rates being offered -RBI's swap facility should also enhance rupee liquidity for banks -Expecting $4-5 Billion inflows through bonds, borrowings and FCNR(B) deposits -Dollar liquidity is expected to improve Listen in. #rbi…

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  • Debadatta Chand On Bank of Baroda Q4 Results, Future Growth & Margins

    May 10, 2026 · 📺 Business Today

    Bank of Baroda posted a solid Q4FY26 performance, with standalone net profit rising 11% year-on-year to ₹5,615.68 crore and net interest income growing 8.7% to ₹12,494 crore. The PSU lender also announced a dividend of ₹8.50 per share for FY26, while annual profit crossed the ₹20,000 crore mark. In this exclusive conversation with Business Today, Debadatta Chand discusses the bank’s Q4 earnings, margin trends, loan growth, deposit strategy, asset quality outlook, and future growth roadmap. Watch the full interview for management commentary on banking sector trends, profitability, credit deman…

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  • Bank of Baroda’s Big Growth Plan Revealed | MD Debadatta Chand Speaks

    May 10, 2026 · 📺 Zee Business

    Results Boardroom | Bank of Baroda Q4 में दमदार नतीजों की क्या रही वजह? मार्जिन को लेकर क्या है आउटलुक? Gold Loan में ग्रोथ को लेकर क्या है बैंक का प्लान? FY27 में ग्रोथ को लेकर क्या है अनुमान? देखिए Bank of Baroda के MD & CEO, देबदत्त चांद से अनिल सिंघवी की खास बातचीत #BankofBaroda #Q4Results #Bank #Invest #Gold About Zee Business: Zee Business is India's Number 1 Hindi business news channel. It's your channel for profit and wealth. Watch Live coverage of Indian markets - Sensex & Nifty, also for expert insights and advise from our team of experts. --------------------------…

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  • A Healthy Q4 For Bank Of Baroda | Deposit Growth Has Been Very Encouraging, Says Company

    May 10, 2026 · 📺 CNBC-TV18

    #4QWithCNBCTV18 | Bank Reports A Healthy Q4FY26 MD & CEO, Debadatta Chand to CNBC-TV18 Deposit growth has been very encouraging and money is coming back to the market Remain positive on gold loans biz Cost of deposits sticky due to current geopolitical situation #bankofbaroda #2026results #2026earnings #earningsgrowth #margingrowth #revenuegrowth #ebitdamargingrowth #loangrowth #depositgrowth #creditgrowth #assetquality #netinterestincome #netinterestmargin #2026growth #cnbctv18 #cnbctv18market #businessnews #businessnewstoday #businessnewsinenglish #sharemarkettoday 🔴CNBC TV18 LIVE TV:…

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  • Bank of Baroda Ltd Q4 FY2025-26 Earnings Conference Call

    May 08, 2026 · 📺 AlphaStreet India

    Listen to 900+ live earnings calls with real-time transcript at AlphaStreet Intelligence https://app.asai.alphastreet.io/test-drive... Events Calendar https://app.asai.alphastreet.io/test-drive... Earnings Analysis https://app.asai.alphastreet.io/test-drive... Live/On-demand Earnings Transcripts https://app.asai.alphastreet.io/test-drive... Company Filings https://app.asai.alphastreet.io/test-drive...

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  • Bank Of Baroda Delivered One Of Its Strongest Quarters In The Last 8–9 Quarters | Debadatta Chand

    February 02, 2026 · 📺 ET Now

    Bank Of Baroda Delivered One Of Its Strongest Quarters In The Last 8–9 Quarters | Debadatta Chand Bank of Baroda CEO & MD Debadatta Chand shares insights on Q3 performance, margin trends, and growth outlook. While NIMs faced pressure due to repo rate cuts, management remains confident of recovery in Q4. Asset quality remains strong with GNPA at multi-year lows and recoveries on track. The bank also outlined its capital raising roadmap and FY26 growth guidance. #bankofbaroda #q3results #nimbanks #indianbanks #bankingnews #fy26outlook #markets #etnow #businessnews #budget2026withetnow Y…

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Verified interview transcripts

Notable quotes

“In the FCNR(B) scheme, Bank of Baroda has received almost 8 billion. And if we talk about overall ECB, MTN, and OFCB, we have already raised bonds through the global market, raising 1.1 billion. So roughly around 9 to 9.1 billion of flow has come in. This flow will help us significantly during the festive time when credit demand is normally good in the December and March quarters.”

“The revised UPI framework, applicable from October 15, still has zero MDR, but with some exclusions. Person-to-person transactions remain fully exempt. For person-to-merchant, transactions below 2000 have no MDR, while above 2000 there is a proposal for MDR. Also, for small merchants with monthly transactions below 1 lakh, even those above 2000 are exempt. This framework is an important step to make the UPI system mo”

“See, there are two things for the full year FY26, my credit growth was 16.2%. This quarter it is at 17.4% of global advance. So, this is way ahead of our guidance of 12 to 14%. But full year guidance we're not changing because there are two factors also you have to account for when you give a full year guidance. One is the geopolitical overhang continues in the market line. So, as of today, there is the Indian econom”

“So, you said right as far as the cases both in the Abu Dhabi global market and also the UK court, um this is full and final settlement besides the NMC case. So, in terms of the overhang besides this case, it's full and final and it's over. And as you said right, the bank's core operating parameters are quite strong. Um the business growth is one of the strongest quarter that's better than the last uh fully year itsel”

“We have been last 16-17 quarters having a ROA in excess of one. And this quarter because of the exceptional item it is below one. While we are hopeful that Q2 Q3 Q4 the ROA is going to be more than one. But on a fully a basis because of this impact obviously the ROA is under watch by us. Any revised guidance I said will be announcing post the Q2.”

“We continue to have the guidance of 2.75 to 2.95. If you look at the June quarter reserve is the last quarter. The NII growth has been very strong at 9.5%. Whereas the asset growth has been higher than 9.5% putting pressure on margin obviously for the factor. But currently two trends that we're looking into the market particularly bit of a corporate non-MCLR linked book we are looking at a repricing of those. It's ha”

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