What we do Bandhan Bank Limited is an Indian commercial bank serving underbanked markets, evolved from a microfinance entity to a universal bank offering diverse retail and wholesale banking services. |
Founded in 2,014 |
Market share Strong in microfinance and retail banking with expanding presence across 35 states and a diversified loan book balancing secured and unsecured lending. |
Problem solved Provides accessible credit and banking services to socially and economically disadvantaged customers, promoting financial inclusion and entrepreneurship. |
Top clients or who we serve Serves 32.5 million customers including micro entrepreneurs, MSMEs, housing, retail and wholesale clients across urban, semi-urban, and rural areas (B2C and B2B). |
Key management Md & CEO: Partha Pratim Sengupta, ex-SBI Deputy MD and IOB CEO; Independent Chairman: Dr. Anup Kumar Sinha (IIM Calcutta). |
Our journey and innovations Started as NGO in 2001, became microfinance company in 2006, universal bank in 2015; pioneered TAB-based banking units and digital onboarding. |
Where we operate Pan-India presence with 6,309 outlets spanning 35 states and union territories, focusing beyond the eastern core regions. |
Top products or what we offer Loans: Group and small business, housing finance, retail assets, wholesale banking; Deposits: CASA, term deposits; Digital banking and third party products. |
Top brands Bandhan Neo+ Savings Account, EEB Loans, Housing Loans, Retail Personal & Vehicle Loans, Wholesale Corporate Loans; wide digital transaction services. |
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Raw materials supplier - |
Recurring vs cyclical contribution Revenue largely from interest income on loans (recurring), complemented by non-interest income from transaction fees and third-party product distribution. |
Our industry position Leading microfinance-origin bank with strong portfolio diversification and increasing secured lending, regulatory compliance and capital adequacy. |
Financial highlights FY25 revenue ₹21,948 Cr, PAT ₹2,745 Cr, 11.8% deposit growth, 9% net advance growth, capital adequacy ratio 18.71%, ROAE 11.6%. |
Geographical revenue split Majority revenue from India’s diverse regions with growing share outside core eastern markets (61.2% loan portfolio outside East India). |
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Whats driving growth Focus on financial inclusion, portfolio diversification, asset quality improvement, digital transformation and geographic expansion driving growth. |
Our future plans Branch expansion to 1,715+, technology upgrades including CBS launch, increased product innovation and digital service enhancements. |
Our green promise Energy conservation initiatives, solar power adoption, water harvesting, afforestation, climate action programmes aligned with sustainability goals. |
Our people and values 75,000+ employees with focus on upskilling, engagement, ethics, diversity and building a resilient, inclusive workplace culture. |
Key challenges ahead Regulatory compliance, asset quality maintenance, competition from fintechs, managing digital risks and sustaining profitability in evolving markets. |
Interesting facts First Indian microfinance entity to become a universal bank; won global Gallup Exceptional Workplace Award twice; over 3 crore customers. |
Risks and strategy Mitigates credit, operational, cyber and market risks via strong internal controls, risk framework, diversification and continuous technology enhancements. |
