Bandhan Bank Ltd.

Bandhan Bank Ltd.

158.44
INR
-0.66
(-0.41%)
10.02EPS
20.37P/E
328.95BMarket Cap
Oct 28Next Earn
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
0.07
9.89
25.69
33.65
45.97
48.96
59.52
71.62
72.77
77.51
89.74
84.2
86.69
Basic EPS, GAAP
0.01
2.51
10.15
12.26
16.03
18.78
13.7
0.78
13.62
13.84
17.04
7.6
10.02
Free Cash Flow per Basic Share
-0.92
62
80.39
-24.34
20.73
40.25
-7.03
4.29
-28.91
88.47
15.3
3.81
- -
Dividend per Share
- -
- -
- -
- -
1.18
3.78
- -
1
- -
1.5
1.5
1.5
- -
Book Value per Share
42.05
279.55
372.77
78.65
93.89
94.37
108.09
107.91
121.58
134.14
152.73
158.75
- -
Tangible Book Value per Share
42.05
279.55
372.77
78.65
93.89
94.37
108.09
107.91
121.58
134.14
152.73
158.75
- -
Basic Weighted Avg Shares
1,095
1,095
1,095
1,098
1,217
1,610
1,610
1,611
1,611
1,611
1,611
1,611
1,610
Sales/Revenue/Turnover
80
10,827
28,130
36,934
55,962
78,818
95,844
115,361
117,220
124,859
144,570
135,640
139,531
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
358
669
859
782
803
1,031
1,100
1,426
2,376
2,792
3,042
- -
Net Income, GAAP
6
2,752
11,120
13,456
19,515
30,237
22,055
1,258
21,946
22,296
27,453
12,236
16,134
Effective Tax Rate (%)
75.01
33.44
34.76
34.55
35.23
25.4
25.2
2.2
24.14
24.24
24.23
29.43
28.34
Profit Margin (%)
7.24
25.42
39.53
36.43
34.87
38.36
23.01
1.09
18.72
17.86
18.99
9.02
11.56
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
30,516
10,289
2,850
5,214
141,412
169,604
199,212
247,108
163,715
111,385
143,028
- -
Total Equity
5,016
33,345
44,465
93,819
112,017
151,955
174,082
173,812
195,842
216,096
246,050
255,749
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
7.99
18.75
17.77
18.25
14.73
6.92
0.35
5.38
5.42
7.45
3.24
- -
Return on Common Equity (%)
- -
14.35
28.58
19.46
18.96
22.91
13.53
0.72
11.87
10.82
11.88
4.88
- -

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1,611
1,611
1,611
Market Capitalization
234,912
227,711
328,950

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
167,253
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
25.46%
8.13%
3.94%
Free Cash Flow
-175.53%
-299.88%
-75.09%
Net Income, GAAP
191.75%
303.92%
-55.43%
Sales/Revenue/Turnover
34.32%
7.62%
-6.18%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
35,326
35,430
39,261
34,555
144,570
2026
34,831
- -
33,793
35,663
135,640
2027
35,244
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
6.6
5.82
2.65
1.97
17.04
2026
2.31
- -
1.28
3.32
7.6
2027
3.11
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
1.5
2026
- -
- -
- -
- -
1.5
2027
- -
- -
- -
- -
- -

Company Description

CEO
Parthapratim Sengupta
Full Time Employees
75,397
Sector
Finance
Industry
Major banks
Address
Adventz Infinity@5 Kolkata WB India 700091
IPO Date
Mar 27, 2018
Business
Bandhan Bank Ltd. (BANDHANBNK.NS) operates as a universal bank focused on financial inclusion, providing a broad range of retail banking, microfinance, MSME lending, and affordable housing finance products and services to urban, semi-urban, and rural customers across India. The bank offers savings accounts (including Neo+ Digital, Legacy, Elite Plus, Elite, Premium, Avni for women, Inspire for seniors, Advantage, Classic, Standard, Sanchay, Pension, Special, PMJDY, BSBDA, and Super Saver variants), current accounts, fixed deposits, recurring deposits, credit cards, debit cards, home loans, personal loans, gold loans, loans against fixed deposits, micro loans, business loans, corporate loans, mortgage loans, mutual funds, insurance products, internet and mobile banking, money transfers, bill payments, merchant payments, and wealth management services. Headquartered in Kolkata, West Bengal, and founded in 2015 following the transformation of its microfinance origins dating back to 2001, Bandhan Bank maintains nearly 6,350 banking outlets, including branches and ATMs, across 35 of India's 36 states and union territories, with 73% in rural and semi-urban areas targeting underbanked segments. Recent developments include the opening of 18 new branches in June 2025 across Jharkhand, Andhra Pradesh, Bihar, and Odisha to bolster semi-urban and rural penetration, bringing total outlets to around 6,300; a strategic bancassurance partnership announced in September 2024 with Bandhan Life Insurance (formerly Aegon Life, acquired by promoter Bandhan Financial Holdings Ltd.) to distribute life insurance through up to 1,700 branches aiming for Rs300 crore in new premiums; and Bandhan Financial Services Ltd.'s acquisition in November 2024 of the Genisys group of IT companies (including entities in the US, UK, and India) for nearly Rs100 crore in an all-cash deal, marking the group's entry into technology services to enhance banking solutions. The bank, an associate of Bandhan Financial Holdings Ltd. (holding a nearly 40% stake), continues to prioritize secured lending growth, with secured assets comprising 52% of its loan book as of June 2025, alongside total advances of Rs1,33,625 crore and deposits of Rs1,54,666 crore. Its equity shares trade on the BSE and NSE, with major shareholders including Housing Development Finance Corporation Ltd. and Caladium Investment Pte. Ltd.