August 12, 2025
8 mins read
Source: Screener.in/Trendlyne/Economic Times/Live Mint/Moneycontrol
Bandhan Bank is a commercial bank established in 2015 with the aim of offering inclusive banking solutions to underbanked and underserved communities across India. Headquartered in Kolkata, the bank has expanded rapidly, reaching a wide customer base through its network of branches and digital platforms. Bandhan Bank focuses on microfinance and general banking services, offering loans, deposits, and other financial products. Originally starting as a microfinance institution, the bank transformed into a universal bank in 2015. It continues to focus on financial inclusion while gradually expanding its retail and corporate banking presence across India.
Source: Bandhan Bank website
Details | Information |
Founded Year | 2015 |
Industry Type | Banking and Financial Services |
Headquarters | Kolkata, West Bengal, India |
Key People | Partha Protim Sengupta (MD & CEO) |
Bandhan’s journey began in the 1990s when founder Chandra Shekhar Ghosh saw how small traders in Kolkata relied on expensive informal loans. In response, he started Bandhan as a microfinance NGO, Bandhan Konnagar, in 2001. In 2009, the microfinance operations were shifted to Bandhan Financial Services Ltd. By 2014, Bandhan Bank was incorporated, and on 23rd August 2015 it began full-fledged operations with 501 branches. It became India’s first microfinance entity to transition into a universal bank. Bandhan launched its IPO in March 2018 at ₹375 per share and was listed with a 29% premium. In 2021, it introduced the Neo+ digital account.
Source: Bandhan Bank website
Bandhan Bank operates in India’s commercial banking sector, focusing on retail and microfinance lending. This sector serves individuals, small businesses, and enterprises with savings, loans, and digital banking solutions. India’s banking industry is expanding with support from digital tools and government-backed financial inclusion initiatives. Banks in this space face challenges like credit risk, regulatory compliance, and growing competition from digital-only banks and fintech platforms. Bandhan, with its micro-lending origins, stands out for its focus on rural and semi-urban markets while adapting to evolving trends in digital banking and customer expectations.
Bandhan Bank serves its customers through a variety of products and services. These include savings accounts, fixed deposits, group and individual loans, small business loans, and agricultural loans. The bank also provides mobile and internet banking, debit cards, and bill payment facilities. It earns revenue from interest on loans and also offers third-party mutual funds and insurance. A key focus is on secured lending and expanding into retail loans like home loans. It has also developed digital banking tools to attract younger and tech-savvy customers, offering convenience along with doorstep banking options.
A snapshot of Bandhan Bank’s goals, progress, and recent activities.
Mission: Bandhan Bank aims to provide its customers with simple, accessible, and affordable financial solutions delivered in a responsible and courteous manner. It also seeks to create long-term value for all stakeholders through strong policies, committed teams, and modern technology.
Vision: The bank’s vision is to become a world-class bank that delivers convenient and inclusive financial services in a sustainable way. Bandhan Bank focuses on expanding access to banking while ensuring transparency and ethical practices in its operations.
Bandhan Bank is the first microfinance institution in India to transform into a full-fledged universal bank. Since its launch in 2015, it has tripled its branch network in less than eight years, now operating over 1,500 branches across India. It has also built a customer base of more than 3 crore people. This growth shows its strong reach in both rural and urban markets. In recent years, the bank has focused on increasing the share of secured loans in its portfolio and strengthening its digital banking services to better serve its growing customer base.
In 2025, Bandhan Bank signed a memorandum of understanding (MoU) with the Indian Air Force to offer corporate salary accounts to defence personnel. The specially designed ‘Shaurya Salary Account’ includes benefits such as zero-balance savings, insurance cover for the account holder and their family, and attractive interest rates. This partnership highlights the bank’s continued effort to serve different sectors of society. The bank stated that its pan-India presence enables it to meet the financial needs of diverse communities, including those who serve in the armed forces.
Key financial data showing the bank’s performance in FY 2025.
Bandhan Bank reported total revenue of ₹21,948 crore in FY 2025, up from ₹18,869 crore in FY 2024. This is a growth of around 16%. The bank’s net profit increased from ₹2,230 crore in FY 2024 to ₹2,745 crore in FY 2025, showing a 23% rise. This indicates improved operating efficiency and better control over asset quality. The positive results reflect the bank’s strategy to focus more on secured lending and expanding its reach through digital and branch channels.
Ratio | Value |
Return on Equity (ROE) | 11.15% |
Return on Assets (ROA) | 1.43% |
Cost to Income Ratio | 47.00% |
Interest Income to Earning Assets | 11.46% |
Interest Expense to Earning Assets | 5.46% |
Price to Earnings (P/E) Ratio | 8.58x |
Price to Book (P/B) Ratio | 0.96x |
Price to Sales (P/S) Ratio | 1.07x |
Operating Profit Margin | 18.98% |
As of March 2025, Bandhan Bank’s total deposits stood at ₹1.51 lakh crore, showing a 12% year-on-year increase. Gross advances grew 10% YoY to ₹1.37 lakh crore. The bank’s secured advances now make up 50.5% of total loans, up by 32% YoY. Gross and net non-performing assets (GNPA and NNPA) were stable at 4.7% and 1.3% respectively in Q4 FY25. The bank reported a PAT of ₹2,745 crore for FY25, with ₹318 crore in Q4 alone. A final dividend of ₹1.50 per share was proposed for the year.
An overview of how the Bandhan Bank share price has moved recently.
The Bandhan Bank share price has seen several ups and downs in recent months. On June 17, 2025, the stock traded at ₹182.47. As of 25th June 2025, the average price stands at ₹181.18, indicating a slightly downward trend over the past week. ROE over the last five financial years has ranged from 0.72% to 12.66%, showing some recovery after a challenging period. Over a three-year period, Bandhan Bank shares delivered a return of -46.12%, while the Nifty 50 index gained 51.51%. This suggests that Bandhan’s stock has underperformed the broader market, possibly due to credit quality concerns and business restructuring.
The Bandhan Bank share price reached a 52-week high of ₹222.31 on July 5, 2024, and a 52-week low of ₹128.16 on February 7, 2025. This wide range reflects market volatility and investor response to quarterly earnings, asset quality trends, and macroeconomic factors. The low point came during a period of increased concern over asset quality, while the high followed strong financial performance and recovery optimism.
Pros:
Strong microfinance legacy with wide rural reach
Shift towards secured lending for better asset quality
Growing retail banking and digital presence
Expanding customer base and branch network
Cons:
High non-performing asset (NPA) levels remain a concern
Stock has underperformed benchmark indices
Sensitive to economic conditions and credit cycle
Still transitioning from microfinance to balanced retail lending
An overview of Bandhan Bank’s key financial and stock-related metrics.
Metric | Value |
P/E Ratio (x) | 10.63 |
EPS (TTM) | ₹17.04 |
ROE (%) | 11.15 |
ROCE (%) | 1.43 |
P/B Ratio | 1.19 |
Book Value (₹) | ₹147.21 |
Dividend Yield (%) | 0.83 |
Face Value (₹) | ₹10 |
As of March 2025, the shareholding pattern of Bandhan Bank is as follows:
Category | Holding (%) |
Promoters | 39.98 |
FII | 22.73 |
DII | 16.36 |
Mutual Funds | 8.96 |
Others | 20.93 |
Pledged Shares | 0.00 |
Key players in the Indian banking sector offering similar retail and SME services.
Company | Price | PE | P/B | ROE (%) | 1Yr Return (%) | CAR (%) | Interest Earned (₹ Cr) | NIM (%) |
Bandhan Bank | 181.42 | 10.65 | 1.23 | 11.15 | -10.83 | 18.71 | 21,948.23 | 6.00 |
HDFC Bank | 1,980.50 | 21.45 | 2.93 | 13.56 | 15.73 | 19.55 | 336,367.43 | 3.47 |
ICICI Bank | 1,425.40 | 19.93 | 3.63 | 16.25 | 18.99 | 16.55 | 186,331.47 | 3.68 |
Kotak Mahindra | 2,198.10 | 19.75 | 2.97 | 14.04 | 23.36 | 22.25 | 65,668.83 | 4.25 |
Axis Bank | 1,215.00 | 13.43 | 2.20 | 14.98 | -4.44 | 17.07 | 127,374.09 | 3.40 |
Bandhan Bank has a distinct market position due to its origins in microfinance. While it is smaller in size compared to larger peers like HDFC Bank or ICICI Bank, it serves a unique customer base primarily in underbanked and rural regions. The bank is now diversifying into more secured lending and general retail banking. Its strength lies in its customer reach, while it continues to work on improving asset quality and profitability to compete more effectively with other established players.
How the bank plans to grow and respond to changing conditions.
Bandhan Bank expects a recovery in asset quality and a rise in business volumes from Q3 FY26 onwards. It aims for 15–16% growth in advances for FY26, with deposit growth likely to outpace credit growth. The bank plans to maintain its credit-deposit ratio around 90.5%. A shift towards more secured loans may reduce margins slightly, but increased loan volumes and expansion into affordable housing and retail lending are expected to support growth. Its investments in digital banking, new branches, and sector diversification are key parts of its long-term strategy.
Bandhan Bank faces challenges such as managing high levels of non-performing loans (NPAs), especially in its legacy microfinance portfolio. Economic slowdowns or borrower defaults can impact its profits. Regulatory changes or rising interest rates may also affect lending margins. As the bank expands, it must manage risks related to credit quality, competition from fintechs and larger banks, and operational costs tied to new branches and digital infrastructure.
You can track the Bandhan Bank share price by visiting the official websites of stock exchanges where the bank is listed. These platforms provide real-time data, including share price movements, trading volume, and historical trends. Additionally, most banks and brokerage apps offer price alerts and performance charts to help you follow stock activity. For detailed updates such as quarterly results, corporate announcements, and financial reports, check the Investor Relations section on www.bandhanbank.com.
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Bandhan Bank is a private sector bank. It is publicly listed and operates as a scheduled commercial bank. The majority of its shares are held by institutional and retail investors.
Bandhan Bank is listed on both the National Stock Exchange (NSE) and the Bombay Stock Exchange (BSE). It is traded under the symbol “BANDHANBNK”.
The face value of Bandhan Bank shares is ₹10 per share. This is the original nominal value of the share used for accounting and dividend calculations.
As of June 2025, Bandhan Bank has not announced any stock split or bonus issue. Its capital structure has remained consistent since its listing in 2018.
The official website is www.bandhanbank.com. You can find customer care numbers, email IDs, and branch locators under the “Contact Us” section on the site.
Yes, Bandhan Bank shares regular updates, earnings reports, and announcements through its Investor Relations page. It does not run a separate investor education program, but public disclosures are detailed and transparent.
Bandhan Bank is part of indices like the Nifty 200, Nifty Midcap 100, and BSE Mid-Cap.
Bandhan Bank earns revenue by providing loans and financial services. It focuses on microfinance, retail lending, deposits, and fee-based services like insurance and mutual fund distribution. It is also expanding into secured loans and digital banking services.
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