BANDHANBNK

Bandhan Bank Limited

Private sector bank with microfinance, retail, housing and commercial banking services

Financial Services›Financial Services›Banks›Private Sector Bank

bandhan.bank.in(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹167.50
Market cap
27,019 Cr
Stock P/E
20.0
P/B
1.05
Dividend yield
0.9%
ROE (FY26)
4.8%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

Bandhan Bank is a private bank that built its business lending small loans to small entrepreneurs, called emerging entrepreneurs business (EEB), and is now widening into secured loans such as housing, vehicles and gold, plus lending to larger companies.

Company snapshot

12thBy market cap

Ranked among 20 companies in Private Sector Bank.

Segment mix

Reportable segments as of 2024-12-31 (Standalone). Revenue share = segment revenue ÷ total revenue.

Largest segment: 87.9% of revenue

SegmentRevenue shareRevenuePBTAssets
Other Banking Operations
1.2%
226 Cr214 Cr—
Retail Banking
87.9%
16,466 Cr2,404 Cr—
Treasury
9.9%
1,854 Cr667 Cr—
Wholesale Banking
8.4%
1,573 Cr27 Cr—

Shares add up to 107% because segment revenues are before inter-segment eliminations.

Statement tables · Standalone

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Standalone only

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income2,443 Cr2,525 Cr2,866 Cr3,005 Cr2,948 Cr2,830 Cr2,756 Cr2,757 Cr2,589 Cr2,688 Cr2,796 Cr2,921 Cr
Other income540 Cr545 Cr694 Cr528 Cr595 Cr1,096 Cr700 Cr726 Cr546 Cr691 Cr771 Cr604 Cr
Net operating income2,984 Cr3,071 Cr3,560 Cr3,533 Cr3,543 Cr3,926 Cr3,456 Cr3,483 Cr3,135 Cr3,379 Cr3,566 Cr3,524 Cr
Employee cost862 Cr899 Cr970 Cr1,005 Cr1,044 Cr1,227 Cr1,084 Cr1,124 Cr1,077 Cr1,133 Cr1,158 Cr1,358 Cr
Other expenses538 Cr516 Cr752 Cr586 Cr644 Cr677 Cr800 Cr691 Cr747 Cr801 Cr967 Cr808 Cr
Provisions & contingencies636 Cr684 Cr1,774 Cr523 Cr606 Cr1,376 Cr1,260 Cr1,147 Cr1,153 Cr1,155 Cr677 Cr683 Cr
Depreciation————————————
Profit before tax947 Cr971 Cr64 Cr1,418 Cr1,249 Cr645 Cr311 Cr521 Cr158 Cr290 Cr764 Cr676 Cr
Tax %23.9%24.6%14.9%25.0%24.9%33.9%-2.2%28.7%29.1%29.2%30.1%25.7%
Net profit721 Cr733 Cr55 Cr1,063 Cr937 Cr426 Cr318 Cr372 Cr112 Cr206 Cr534 Cr502 Cr
EPS (₹)₹4.47₹4.55₹0.34₹6.60₹5.82₹2.65₹1.97₹2.31₹0.69₹1.28₹3.32₹3.11

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income2,403 Cr3,032 Cr4,496 Cr6,324 Cr7,563 Cr8,714 Cr9,260 Cr10,326 Cr11,491 Cr10,830 CrSign in free for the trailing twelve months
Other income411 Cr706 Cr1,063 Cr1,549 Cr2,109 Cr2,823 Cr2,469 Cr2,165 Cr2,967 Cr2,734 CrSign in free for the trailing twelve months
Net operating income2,815 Cr3,738 Cr5,559 Cr7,873 Cr9,672 Cr11,537 Cr11,728 Cr12,490 Cr14,457 Cr13,564 CrSign in free for the trailing twelve months
Employee cost——1,009 Cr1,367 Cr1,665 Cr2,135 Cr2,715 Cr3,543 Cr4,361 Cr4,493 CrSign in free for the trailing twelve months
Other expenses——802 Cr1,060 Cr1,153 Cr1,389 Cr1,922 Cr2,308 Cr2,708 Cr3,206 CrSign in free for the trailing twelve months
Provisions & contingencies——735 Cr1,393 Cr3,907 Cr7,885 Cr4,198 Cr3,697 Cr3,765 Cr4,131 CrSign in free for the trailing twelve months
Depreciation——————————Sign in free for the trailing twelve months
Profit before tax——3,013 Cr4,053 Cr2,949 Cr129 Cr2,893 Cr2,943 Cr3,623 Cr1,734 CrSign in free for the trailing twelve months
Tax %——35.2%25.4%25.2%2.2%24.1%24.2%24.2%29.4%Sign in free for the trailing twelve months
Net profit1,112 Cr1,346 Cr1,952 Cr3,024 Cr2,205 Cr126 Cr2,195 Cr2,230 Cr2,745 Cr1,224 CrSign in free for the trailing twelve months
EPS (₹)₹10.15₹12.26₹16.36₹18.78₹13.70₹0.78₹13.62₹13.84₹17.04₹7.60Sign in free for the trailing twelve months
Dividend payout %————0.0%128.0%0.0%10.8%8.8%19.7%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital1,095 Cr1,193 Cr1,193 Cr1,610 Cr1,611 Cr1,611 Cr1,611 Cr1,611 Cr1,611 Cr1,611 Cr
Reserves3,351 Cr8,189 Cr10,009 Cr13,585 Cr15,798 Cr15,770 Cr17,973 Cr19,954 Cr22,748 Cr23,645 Cr
Borrowings1,029 Cr285 Cr521 Cr16,379 Cr16,960 Cr19,921 Cr24,711 Cr16,372 Cr11,138 Cr14,303 Cr
Other liabilities24,761 Cr34,643 Cr44,719 Cr60,143 Cr80,625 Cr1,01,564 Cr1,11,475 Cr1,39,905 Cr1,55,979 Cr1,71,565 Cr
Total liabilities30,236 Cr44,310 Cr56,442 Cr91,718 Cr1,14,993 Cr1,38,867 Cr1,55,770 Cr1,77,842 Cr1,91,476 Cr2,11,124 Cr
Fixed assets (net)252 Cr238 Cr331 Cr369 Cr487 Cr588 Cr855 Cr1,173 Cr1,180 Cr1,401 Cr
CWIP——————————
Investments5,516 Cr8,372 Cr10,037 Cr15,352 Cr25,155 Cr29,079 Cr32,366 Cr29,288 Cr40,712 Cr38,668 Cr
Loans & advances16,839 Cr29,713 Cr39,643 Cr66,630 Cr81,613 Cr93,975 Cr1,04,757 Cr1,21,137 Cr1,31,987 Cr1,50,104 Cr
Cash & bank6,012 Cr2,837 Cr3,879 Cr6,345 Cr5,235 Cr4,943 Cr7,327 Cr15,393 Cr7,477 Cr13,127 Cr
Other assets1,617 Cr3,150 Cr2,550 Cr3,022 Cr2,503 Cr10,282 Cr10,466 Cr10,851 Cr10,119 Cr7,824 Cr
Total assets30,236 Cr44,310 Cr56,442 Cr91,718 Cr1,14,993 Cr1,38,867 Cr1,55,770 Cr1,77,842 Cr1,91,476 Cr2,11,124 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity8,885 Cr-2,594 Cr2,934 Cr6,482 Cr-945 Cr902 Cr-4,245 Cr14,808 Cr2,752 Cr1,143 Cr
Cash from investing-2,671 Cr-2,242 Cr-2,612 Cr-5,211 Cr-1,804 Cr-612 Cr-1,618 Cr1,691 Cr-3,879 Cr317 Cr
Cash from financing-2,023 Cr2,846 Cr105 Cr154 Cr588 Cr2,803 Cr4,791 Cr-8,579 Cr-5,475 Cr2,923 Cr
Net cash flow4,192 Cr-1,989 Cr427 Cr1,426 Cr-2,160 Cr3,093 Cr-1,071 Cr7,921 Cr-6,601 Cr4,382 Cr
Free cash flow (OCF − Capex)8,803 Cr-2,666 Cr2,763 Cr6,379 Cr-1,167 Cr690 Cr-4,657 Cr14,251 Cr2,464 Cr614 Cr

Ratios

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %25.0%14.3%17.4%19.9%12.7%0.7%11.2%10.3%11.3%4.8%

Regulatory ratios (standalone basis)

RBI ratios for the bank itself (standalone filing), on both views.

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross NPA——820 Cr993 Cr5,758 Cr6,380 Cr5,299 Cr4,785 Cr6,436 Cr5,020 Cr
Gross NPA %0.5%1.3%2.0%1.5%6.8%6.5%4.9%3.8%4.7%3.3%
Net NPA——228 Cr389 Cr2,861 Cr1,564 Cr1,228 Cr1,348 Cr1,693 Cr1,452 Cr
Net NPA %0.4%0.6%0.6%0.6%3.5%1.7%1.2%1.1%1.3%1.0%
CET1 %24.8%30.3%27.9%25.2%23.5%20.1%19.8%18.3%18.7%18.0%
Additional Tier 1 %0.0%0.0%29.2%0.0%0.0%0.0%0.0%0.0%0.0%0.0%
ROA %4.5%4.0%4.2%3.6%2.1%0.1%1.6%0.0%1.5%0.6%