Track Bandhan Bank Ltd live share price with 52 week high and low, chart views, fundamentals, financial highlights, ratios, peer comparison, dividends, bonuses/splits and customer-focused company details.
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Bandhan Bank Limited is a Kolkata-headquartered Indian private sector bank that became a universal bank in August 2015. The bank grew out of a financial-inclusion and microfinance background and now serves customers through savings accounts, deposits, loans, micro banking, housing finance, business banking, transaction banking and digital channels.
For customers, Bandhan Bank is relevant because it offers everyday banking, deposits, loans, remittance, mobile banking, internet banking and branch-based services across urban, semi-urban and rural markets. For retail investors, the company is tracked for its deposit franchise, loan-book diversification, secured lending mix, asset quality and profitability.
Important monitorables include CASA ratio, deposit growth, advances growth, micro banking collection efficiency, secured book share, gross NPA, net NPA, provisions, net interest margin, capital adequacy, return on assets and return on equity.
Bank financials, shareholding details, dividend record dates, bonus actions and split history can change after every quarterly filing or board meeting. Always verify the latest numbers from Bandhan Bank investor relations, NSE, BSE and SEBI filings before publishing or making investment decisions.
Bandhan Bank earns income mainly by accepting deposits and lending to customers, small businesses, housing borrowers and enterprises. The spread between interest earned on loans and investments and interest paid on deposits is the core source of net interest income.
The bank also earns non-interest income from account services, cards, digital transactions, loan processing, remittance, transaction banking, distribution of third-party financial products and treasury-related services. Its roots in inclusion-led banking give it a strong customer base in underbanked and semi-urban markets, while its growth strategy is focused on diversification, risk control and secured lending.
For beginners, the simplest way to study the business is to compare deposit growth, loan growth, asset quality and profitability together. Fast loan growth is useful only when collections remain healthy and provisions stay under control.
Bandhan Bank’s business can be understood through customer groups rather than only accounting headings. The major areas include micro banking and emerging entrepreneur loans, retail banking, housing finance, small business loans, commercial banking, wholesale banking, deposits and transaction banking.
Segment mix, secured-book share and microfinance exposure should be verified from the latest earnings presentation and exchange filing because they can change meaningfully from quarter to quarter.
| Particulars | FY 2024 | FY 2025 | Latest noted period |
|---|---|---|---|
| Net Revenue / Net Total Income | ₹12,490 Cr | ₹14,458 Cr | Verify latest quarterly filing |
| Net Interest Income | ₹10,319 Cr | ₹11,491 Cr | Q4 FY26: ₹2,796 Cr |
| Operating Profit | ₹6,639 Cr | ₹7,389 Cr | Verify latest quarterly filing |
| Provisions and Contingencies | ₹3,697 Cr | ₹3,765 Cr | Track asset-quality trend |
| Profit After Tax | ₹2,230 Cr | ₹2,745 Cr | Q4 FY26: ₹534 Cr |
| Net Interest Margin | — | 7.1% | Quarterly NIM can change |
| Return on Assets | 1.4% | 1.5% | Verify latest filing |
| Return on Equity | 10.7% | 11.6% | Verify latest filing |
| Particulars | FY 2024 | FY 2025 | Latest noted period |
|---|---|---|---|
| Gross Advances | ₹1,24,721 Cr | ₹1,36,995 Cr | Q4 FY26: ₹1,54,233 Cr |
| Total Deposits | ₹1,35,202 Cr | ₹1,51,212 Cr | Q4 FY26: ₹1,66,344 Cr |
| CASA Deposits | — | ₹47,437 Cr | Q4 FY26: ₹48,752 Cr |
| CASA Ratio | — | 31.4% | Q4 FY26: 29.3% |
| Retail to Total Deposits | — | Around 69% CASA + Retail TD | Q4 FY26: 74% retail deposits |
| Secured Advances Share | — | 50.5% | Monitor mix shift toward secured loans |
| Capital Adequacy Ratio | — | 18.7% | Q4 FY26: 18.0% |
| Distribution Network | — | More than 6,300 outlets | Verify latest network update |
| Area | What it means | Investor monitorable |
|---|---|---|
| Deposits and CASA | Customer deposits fund the lending business and influence funding cost. | Watch deposit growth, CASA ratio and retail deposit share. |
| Advances and secured book | Loans generate interest income but also carry credit risk. | Watch gross advances, secured loan share and product concentration. |
| Micro Banking / EEB | Financial-inclusion and small-borrower business remains important for the bank. | Watch collection efficiency, slippages, write-offs and provisions. |
| Housing Finance | A more secured loan segment that can support diversification. | Watch growth, asset quality and margin impact. |
| Retail and Business Banking | Accounts, deposits, cards, loans and digital services deepen customer relationships. | Watch customer acquisition, digital activity and fee income. |
| Wholesale / Commercial Banking | Loans and transaction services for businesses add scale and diversification. | Watch risk controls, borrower concentration and capital usage. |
| Metric | FY 2024 | FY 2025 | Why it matters |
|---|---|---|---|
| Gross NPA Ratio | 3.8% | 4.7% | Verify latest quarterly filing |
| Net NPA Ratio | 1.1% | 1.3% | Verify latest quarterly filing |
| Return on Assets | 1.4% | 1.5% | Profitability indicator |
| Return on Equity | 10.7% | 11.6% | Capital return indicator |
| Net Interest Margin | — | 7.1% | Can move with deposit cost and loan mix |
| Capital Adequacy Ratio | — | 18.7% | Capital buffer versus regulatory minimum |
| CASA Ratio | — | 31.4% | Low-cost deposit mix |
Live price, 52 week range and quick market fundamentals are fetched from Yahoo Finance-compatible feeds when available. Static financial, shareholding and corporate-action tables are educational snapshots and should be refreshed against the latest Bandhan Bank investor presentation, annual report, NSE filing and BSE filing before publication.
This page is not a research recommendation and does not tell users to buy, sell or hold Bandhan Bank shares.
| Company | Focus Area | Why investors compare it |
|---|---|---|
| Bandhan Bank Ltd | Private bank with micro banking, retail and secured-loan diversification | Base company |
| ICICI Bank Ltd | Large private sector universal bank | Scale, profitability, asset quality and valuation benchmark |
| Axis Bank Ltd | Large private sector universal bank | Retail, corporate banking, cards and profitability comparison |
| Kotak Mahindra Bank Ltd | Private sector bank with strong capital profile | Deposit franchise, margins and underwriting comparison |
| Federal Bank Ltd | Mid-sized private sector bank | Regional strength, deposit quality and return-ratio comparison |
| IDFC First Bank Ltd | Retail-focused private sector bank | Deposit build-out, retail lending growth and cost trend comparison |
| Year | Dividend Detail | Note |
|---|---|---|
| FY 2024-25 | Proposed dividend of ₹1.50 per share | Verify approval, record date, ex-date and final entitlement from exchange announcements |
| Earlier years | Dividend history can vary by profit, capital needs and approvals | Use official annual reports and NSE/BSE corporate action pages |
| Future dividends | Not guaranteed | Dividend decisions depend on profitability, capital adequacy, RBI rules and board policy |
| Action | Detail | Note |
|---|---|---|
| Bonus | Check latest exchange records before using | Do not rely on older third-party corporate-action summaries without official verification |
| Split | No recent split is assumed on this page | Verify with BSE/NSE corporate action records before publication |
| Face Value | ₹10 is commonly shown in exchange-style filings | Confirm current face value from the latest filing before publishing |
Dividend, bonus and split details are sensitive to record dates, approvals and exchange filings. Verify the latest corporate-action data from Bandhan Bank investor relations, NSE and BSE before publishing or acting on it.
These FAQs help users understand Bandhan Bank beyond the share price, including services, business model, financial risks, dividends, shareholding, digital banking and investor monitorables.
Bandhan Bank Limited is an Indian private sector bank with roots in financial inclusion and microfinance. It offers savings accounts, current accounts, fixed deposits, recurring deposits, micro loans, housing finance, business banking, remittance, internet banking, mobile banking, debit cards, credit cards and payment services.
The Yahoo Finance-compatible NSE symbol used on this page is BANDHANBNK.NS. The NSE symbol is BANDHANBNK and the BSE scrip code is 541153.
Bandhan Bank mainly earns interest income by lending to customers and businesses while paying interest on deposits. It also earns fee income from account services, cards, transaction banking, loan processing, payment services and distribution of financial products.
No. Bandhan Bank started from a financial-inclusion background and still has meaningful micro banking exposure, but it is a universal bank serving retail customers, small businesses, housing finance customers and commercial or wholesale banking clients.
Important monitorables include deposit growth, CASA ratio, advances growth, secured loan share, micro banking collection efficiency, gross NPA, net NPA, provisions, credit cost, net interest margin, capital adequacy, return on assets and return on equity.
Key risks include stress in the microfinance book, higher slippages, elevated provisions, weak collections, margin pressure, deposit competition, regulatory changes, slower loan growth and changes in sentiment toward private bank stocks.
Bandhan Bank has announced dividends in some years, including a proposed dividend of ₹1.50 per share for FY25. Dividend amount, record date, ex-date and eligibility should always be verified from company announcements and NSE/BSE filings.
Bonus and split history should be verified from official exchange filings before publication. This page does not treat any bonus, split or dividend detail as final unless checked against the latest NSE, BSE and company investor disclosures.
Customers can generally apply through official Bandhan Bank branches, website or digital channels and complete KYC with identity proof, address proof, PAN or other required documents. Product eligibility, charges and minimum balance rules should be checked on official bank channels.
Customers should use only official Bandhan Bank channels, enable alerts, keep devices secure and never share OTP, PIN, passwords, CVV or UPI PIN. For fraud or unauthorized transactions, contact the bank through official support channels quickly.
Beginners can start with deposits, advances, CASA ratio, net interest income, NIM, provisions, GNPA, NNPA, capital adequacy and profit after tax. These figures show the bank’s growth, funding strength, asset quality and profitability.
No. This page is educational and informational. It does not provide buy, sell or hold advice. Investors should use official filings, current financial statements, risk disclosures and professional advice before making investment decisions.
