Bandhan Bank

Why is Bandhan Bank Ltd. falling/rising?

As of 22-Jun, Bandhan Bank Ltd. has a stable stock price of Rs 208.10, but it has underperformed compared to benchmark indices recently. Despite a year-to-date increase of 42.78% and strong fundamentals, declining trading volume and sector underperformance suggest cautious investor sentiment.

As of 22-Jun, Bandhan Bank Ltd. is experiencing a stable stock price at Rs 208.10, with no change recorded. Despite this stability, the stock has shown mixed performance in comparison to the benchmark indices. Over the past week, it has declined by 1.33%, while the Sensex has increased by 1.09%. However, in the longer term, the stock has performed well, with a year-to-date increase of 42.78%, significantly outperforming the Sensex, which has decreased by 9.54% during the same period.<BR><BR>The stock is currently 4.93% away from its 52-week high of Rs 218.35, indicating that it is close to its peak price. Nevertheless, it has underperformed its sector by 1.49% today, which may contribute to investor caution. Additionally, there has been a notable decline in investor participation, with delivery volume falling by 22.66% against the 5-day average, suggesting reduced trading interest.<BR><BR>On a positive note, Bandhan Bank Ltd. boasts high management efficiency, reflected in a return on assets (ROA) of 1.73%, and a strong capital adequacy ratio of 17.32%, indicating robust financial health. The stock has generated a return of 15.90% over the past year, outperforming the broader market returns of 0.51%. <BR><BR>In summary, while the stock price remains stable, the recent decline in trading volume and underperformance relative to its sector may indicate a cautious sentiment among investors, despite the bank's strong fundamentals and historical performance.

Which are the latest news on Bandhan Bank?

What does Bandhan Bank do?

Bandhan Bank Limited is a commercial bank in India focused on serving underbanked markets, transitioning from a microfinance entity. As of March 2026, it reported net sales of ₹5,428.43 Cr and a net profit of ₹534 Cr, with a market cap of ₹33,243 Cr.

Overview:<BR>Bandhan Bank Limited is a commercial bank focused on serving underbanked and underpenetrated markets in India, operating within the Private Sector Bank industry and categorized as a Small Cap entity.<BR><BR>History:<BR>Bandhan Bank was incorporated as a universal bank, transitioning from a microfinance entity. The latest quarterly results reported are for March 2026, showcasing the bank's performance in terms of sales and profit.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 5,428.43 Cr (Quarterly Results - Mar 2026)<BR>Most recent Net Profit: 534 Cr (Quarterly Results - Mar 2026)<BR>Market-cap value: INR 33,243 Cr (Small Cap)<BR><BR>Key Metrics:<BR>P/E: N/A<BR>Industry P/E: N/A<BR>Dividend Yield: 0.72%<BR>Debt-Equity: N/A<BR>ROE: N/A<BR>Price-to-Book: N/A<BR><BR>Contact Details:<BR>Address: DN 32 Sector V, Salt Lake Kolkata West Bengal : 700091<BR>Phone: 91-33-66090909<BR>Email: investors@bandhanbank.com<BR>Website: http://www.bandhanbank.com

How big is Bandhan Bank?

As of 10th June, Bandhan Bank Ltd. has a market capitalization of 33,243.00 Cr and reported a net profit of 1,223.56 Cr, with total assets of 1,91,835.64 Cr as of March 2025. There is no valid sales data available for the latest four quarters.

As of 10th June, Bandhan Bank Ltd. has a market capitalization of 33,243.00 Cr, categorizing it as a Small Cap company.<BR><BR>In the latest four quarters, Bandhan Bank reported net sales of 0.00 Cr, indicating no valid sales data found for summing. The net profit for the same period was 1,223.56 Cr.<BR><BR>The latest annual reporting period for the balance sheet is March 2025. Shareholder's funds were recorded at 24,605.01 Cr, while total assets amounted to 1,91,835.64 Cr.

Who are in the management team of Bandhan Bank?

The management team of Bandhan Bank includes Chandra Shekhar Ghosh (MD & CEO), Anup Kumar Sinha (Chairman), and several other key executives and directors, bringing diverse expertise to the bank's operations.

The management team of Bandhan Bank includes the following key individuals:<BR><BR>1. **Chandra Shekhar Ghosh** - Managing Director & CEO<BR>2. **Holger Dirk Michaelis** - Nominee<BR>3. **Indranil Banerjee** - Company Secretary & Compliance Officer<BR>4. **Anup Kumar Sinha** - Chairman & Independent Director<BR>5. **Ratan Kumar Kesh** - Executive Director<BR><BR>Additionally, there are several Non-Executive and Independent Directors on the board:<BR><BR>- **ALLAMRAJU SUBRAMANYA RAMASASTRI**<BR>- **Santanu Mukherjee**<BR>- **NVP Tendulkar**<BR>- **Vijay N Bhatt**<BR>- **Suhail Chander**<BR>- **Subrata Dutta Gupta**<BR>- **Ms. Divya Krishnan** (Non-Executive & Non-Independent Director)<BR>- **Aparajita Mitra**<BR>- **Philip Mathew**<BR><BR>This diverse team brings a wealth of experience and expertise to the bank's operations and governance.

Who are the peers of the Bandhan Bank?

Bandhan Bank's peers include IDBI Bank, Federal Bank, Yes Bank, IndusInd Bank, IDFC First Bank, Karur Vysya Bank, RBL Bank, City Union Bank, and J&K Bank. In terms of management risk, growth, and capital structure, Bandhan Bank shows average growth and excellent capital structure, with a 1-year return of 8.71%.

Peers: The peers of Bandhan Bank are IDBI Bank, Federal Bank, Yes Bank, IndusInd Bank, IDFC First Bank, Karur Vysya Bank, RBL Bank, City Union Bank, and J&K Bank.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bandhan Bank, Karur Vysya Bank, and IndusInd Bank, while Good management risk is found at Federal Bank, Yes Bank, City Union Bank, and J&K Bank. Average management risk is present at IDBI Bank, IDFC First Bank, and RBL Bank. For Growth, Excellent growth is noted at Federal Bank, IDFC First Bank, and Karur Vysya Bank, while Good growth is seen at Yes Bank, RBL Bank, and City Union Bank. Below Average growth is reported for IndusInd Bank and Bandhan Bank. In terms of Capital Structure, Excellent capital structure is found at IDBI Bank, IndusInd Bank, Bandhan Bank, and Karur Vysya Bank, while Good capital structure is observed at Federal Bank, IDFC First Bank, RBL Bank, and J&K Bank.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Federal Bank at 48.59%, while IDBI Bank has the lowest at -26.91%. Bandhan Bank's 1-year return of 8.71% is higher than IDBI Bank's but lower than Federal Bank's. Additionally, IDBI Bank and IDFC First Bank have negative six-month returns.

Are Bandhan Bank Ltd. latest results good or bad?

Bandhan Bank Ltd.'s latest results show a significant net profit increase of 159.81% quarter-on-quarter, but concerns remain due to compressed net interest margins, a declining CASA ratio, and low return on equity, indicating ongoing challenges for the bank. Overall, while there is cautious optimism, sustainability of this performance is uncertain.

Bandhan Bank Ltd.'s latest results present a mixed picture. On one hand, the bank reported a significant increase in net profit for Q4 FY26, which surged by 159.81% quarter-on-quarter and 68.02% year-on-year, reaching ₹534.14 crores. This impressive profit growth was largely driven by a substantial reduction in provisions, which fell to ₹677.01 crores from ₹1,154.63 crores in the previous quarter.<BR><BR>However, there are notable concerns beneath these headline figures. The bank's Net Interest Margin (NIM) compressed to 6.2% from 6.7% a year ago, indicating challenges in maintaining profitability. Additionally, the CASA (Current Account Savings Account) ratio declined sharply to 29.3% from 31.4%, which suggests a reliance on higher-cost term deposits that could further pressure margins.<BR><BR>While the gross non-performing assets (NPAs) improved to 3.27%, this level remains elevated compared to historical performance and peer averages. The return on equity (ROE) at just 4.10% is significantly below industry standards, raising concerns about the bank's efficiency in generating returns for shareholders.<BR><BR>In summary, while Bandhan Bank's quarterly profit recovery is encouraging, the underlying issues with asset quality, margin compression, and low ROE indicate that the bank faces significant challenges ahead. Investors may view the results as a cautious optimism, but the sustainability of this performance will depend on how effectively the bank can address these concerns.

Should I buy, sell or hold Bandhan Bank Ltd.?

When is the next results date for Bandhan Bank Ltd.?

The next results date for Bandhan Bank Ltd. is April 28, 2026.

The next results date for Bandhan Bank Ltd. is scheduled for April 28, 2026.

Is Bandhan Bank technically bullish or bearish?

As of December 3, 2025, Bandhan Bank's technical outlook is bearish, supported by indicators like the weekly MACD, Bollinger Bands, and moving averages, along with significant underperformance against the Sensex.

As of 3 December 2025, the technical trend has changed from mildly bearish to bearish. The current technical stance for Bandhan Bank is bearish, with a moderate strength. Key indicators driving this stance include the weekly MACD and Bollinger Bands both indicating bearish conditions, along with daily moving averages also showing bearish signals. The weekly KST and Dow Theory are mildly bearish, reinforcing the overall bearish outlook. The stock has underperformed significantly against the Sensex over various time frames, further supporting the bearish sentiment.

Is Bandhan Bank overvalued or undervalued?

As of December 3, 2025, Bandhan Bank is considered an attractive investment due to its undervalued status, with a PE ratio of 19.25 and a price-to-book value of 0.96, despite a year-to-date return of -7.67%, compared to its peers like HDFC Bank and ICICI Bank, which are deemed expensive.

As of 3 December 2025, the valuation grade for Bandhan Bank has moved from fair to attractive, indicating a more favorable assessment of its market position. The company is currently deemed undervalued, supported by a PE ratio of 19.25, a price-to-book value of 0.96, and a PEG ratio of 0.00, which suggests that the stock is trading below its intrinsic value relative to earnings growth expectations.<BR><BR>In comparison to its peers, Bandhan Bank's valuation stands out; for instance, HDFC Bank has a PE ratio of 21.63, and ICICI Bank has a PE ratio of 20.07, both categorized as expensive. Despite recent stock performance lagging behind the Sensex, with a year-to-date return of -7.67% compared to the Sensex's 8.92%, the underlying financial metrics and improved valuation grade suggest that Bandhan Bank presents a compelling investment opportunity at its current price of 146.80.

How has been the historical performance of Bandhan Bank?

Bandhan Bank has shown consistent growth from March 2020 to March 2025, with significant increases in interest earned, net interest income, and total income, while facing rising expenditures and fluctuating cash reserves. Total assets grew substantially, reflecting the bank's robust financial performance despite challenges.

Answer:<BR>The historical performance of Bandhan Bank shows a consistent growth trajectory in various financial metrics over the years.<BR><BR>Breakdown:<BR>Bandhan Bank's interest earned has increased significantly from INR 10,885.49 crore in March 2020 to INR 21,948.23 crore in March 2025, reflecting a strong upward trend. The net interest income also rose from INR 6,323.91 crore in March 2020 to INR 11,490.58 crore in March 2025. Total income followed suit, climbing from INR 12,434.69 crore in March 2020 to INR 24,914.83 crore in March 2025. However, interest expended also increased, from INR 4,561.58 crore in March 2020 to INR 10,457.65 crore in March 2025, indicating rising costs. The profit before tax saw a notable increase from INR 4,053.42 crore in March 2020 to INR 3,623.28 crore in March 2025, while profit after tax improved from INR 3,023.74 crore in March 2020 to INR 2,745.30 crore in March 2025. The bank's total assets grew from INR 91,905.37 crore in March 2020 to INR 1,91,835.64 crore in March 2025, and total liabilities increased from INR 91,905.37 crore to INR 1,91,835.64 crore in the same period. Cash and cash equivalents fluctuated, ending at INR 9,567 crore in March 2025, down from INR 16,168 crore in March 2024. Overall, Bandhan Bank has demonstrated robust growth in income and assets, although it has faced challenges with rising expenditures and fluctuating cash reserves.

Who are the top shareholders of the Bandhan Bank?

The top shareholders of Bandhan Bank include Bandhan Financial Holdings Limited (39.98%), Foreign Institutional Investors (22.73%), mutual funds (8.96%), Caladium Investment Pte. Ltd. (4.04%), and individual investors (17.46%). The majority of shares are held by promoters, with no pledged promoter holdings reported.

The top shareholders of Bandhan Bank include:<BR><BR>1. **Bandhan Financial Holdings Limited** - This entity is the largest shareholder, holding 39.98% of the bank's shares.<BR>2. **Foreign Institutional Investors (FIIs)** - They collectively hold 22.73% of the shares, with 262 different FIIs involved.<BR>3. **Mutual Funds** - A total of 30 mutual fund schemes hold 8.96% of the shares.<BR>4. **Caladium Investment Pte. Ltd.** - This is the highest public shareholder, owning 4.04%.<BR>5. **Individual Investors** - They account for 17.46% of the total shareholding.<BR><BR>Overall, the majority of the shares are held by promoters, and there are no pledged promoter holdings reported.

Has Bandhan Bank declared dividend?

Yes, Bandhan Bank has declared a 15% dividend, amounting to ₹1.5 per share, with an ex-date of August 11, 2023. However, total returns over various periods have shown a consistent decline in price, indicating minimal benefits for investors.

Bandhan Bank Ltd. has declared a 15% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 15%<BR>- Amount per share: 1.5<BR>- Ex-date: 11 Aug 23<BR><BR>Dividend Yield: 0%<BR><BR>Total Returns by Period:<BR>In the 6-month period, the price return was -2.01%, the dividend return was 0%, resulting in a total return of -2.01%.<BR><BR>For the 1-year period, the price return was -9.84%, the dividend return was 0%, leading to a total return of -9.84%.<BR><BR>Over the 2-year period, the price return was -34.5%, the dividend return was 0.60%, culminating in a total return of -33.9%.<BR><BR>In the 3-year period, the price return was -47.0%, the dividend return was 0.53%, resulting in a total return of -46.47%.<BR><BR>For the 4-year period, the price return was -45.13%, the dividend return was 0.72%, leading to a total return of -44.41%.<BR><BR>In the 5-year period, the price return was -30.21%, the dividend return was 0.72%, culminating in a total return of -29.49%.<BR><BR>Overall, while Bandhan Bank has declared a dividend, the total returns over various periods indicate a consistent decline in price, with minimal contributions from dividends. This suggests that investors may not have seen significant benefits from their investments in the bank during these timeframes.