Bandhan Bank Share Price

Bandhan Bank Overview

Bandhan Bank was incorporated in August 2015, promoted by Bandhan Financial Holdings Ltd (led by Chandra Shekhar Ghosh). Headquartered in Kolkata, West Bengal, it is listed on both NSE (BANDHANBNK) and BSE (541153). The bank offers retail banking services, including microloans, personal and home loans, deposit products, corporate and institutional banking, and treasury solutions across a pan‑India network of branches and digital channels.

Bandhan Bank Business Segments and Revenue Model

Bandhan Bank serves microfinance customers through its Emerging Entrepreneurs Business (EEB), alongside retail services (home, personal and auto loans), SME and corporate lending, deposits (savings/current/fixed), credit cards, treasury, and forex operations. Its revenue is largely driven by net interest income, which is interest earned on loans less interest paid on deposits, supplemented by fee-based income (loan processing, card services), and non‑interest income from treasury operations. Deposits fund its lending portfolio, generating interest margin, while diversified services add recurring fee‑based income.

Bandhan Bank Key Milestones

• 2015: Launched operations after RBI approval to convert Bandhan microfinance into a bank
• 2018: IPO subscribed ~15×, raised funds for expansion
• 2020: Expanded into SME and corporate lending; strengthened digital and branch network
• 2023: Strengthened treasury & forex capabilities; deeper fintech collaborations
• April 2025: For Q4 FY25, net profit surged 483% YoY to ₹318 crore; net revenue ₹3,456 crore (–3% YoY)
• March 2025: FY25 profit ₹2,745 crore (+23% YoY); gross advances ₹1.37 lakh crore (+10%), deposits ₹1.51 lakh crore (+12%)

Bandhan Bank ESG and Sustainability

• CSR initiatives focus on micro‑enterprises, women empowerment, financial literacy, education, rural development
• Promotes digital inclusion through financial access and upskilling programmes
• ESG agenda includes sustainable lending, energy-efficient infrastructure, and social upliftment aligned to long-term development goals

Bandhan Bank Awards and Recognitions

• Ranked among top private banks for microfinance and financial inclusion
• Recognised for excellence in digital banking transformation
• Commended for robust treasury performance and sustainability initiatives in banking sector reports