Bandhan Bank

Why is Bandhan Bank Ltd. falling/rising?

As of 02-Aug, Bandhan Bank Ltd. is seeing a stock price increase to 174.05, driven by strong financial metrics and positive market sentiment, despite a 14.99% decline over the past month. The bank's high Return on Assets and Capital Adequacy Ratio enhance investor confidence, although declining investor participation may present future challenges.

As of 02-Aug, Bandhan Bank Ltd. is experiencing a rise in its stock price, currently at 174.05, with a change of 1.4 (0.81%) upward. This increase can be attributed to several factors. Firstly, the stock has outperformed its sector by 0.99% today, indicating positive market sentiment. Additionally, the bank's management efficiency is highlighted by a high Return on Assets (ROA) of 1.80%, which suggests effective utilization of its assets to generate profits.<BR><BR>Moreover, the bank's strong financial indicators, such as a high Capital Adequacy Ratio of 17.40%, provide a buffer against risk, enhancing investor confidence. Recent positive results reported on June 26, including the lowest Gross Non-Performing Assets (NPA) at 3.15% and the highest Net Interest Income (NII) at Rs 2,920.58 crore, further support the stock's upward movement. <BR><BR>However, it is important to note that while the stock has shown a rise today, it has experienced a decline of 14.99% over the past month, indicating volatility. The falling investor participation, with a delivery volume decrease of 57.21% against the 5-day average, could pose challenges ahead. Nonetheless, the current performance and positive financial metrics contribute to the stock's rise as of the latest data.

Which are the latest news on Bandhan Bank?

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

Are Bandhan Bank Ltd. latest results good or bad?

Bandhan Bank Ltd.'s latest results show a mixed performance: while net interest income reached a record high and asset quality improved, net profit declined sequentially and total income growth was modest, indicating caution for investors regarding profitability and growth.

Bandhan Bank Ltd.'s latest results present a mixed picture. On one hand, the bank achieved a net interest income (NII) of ₹2,920.58 crores, which is a 5.92% increase year-on-year and the highest quarterly NII in its history. Additionally, the gross non-performing assets (GNPA) ratio improved significantly, declining to 3.15% from 4.96% a year ago, marking the lowest level in recent quarters. This indicates a positive trend in asset quality management.<BR><BR>However, the net profit for the quarter was ₹501.67 crores, reflecting a 34.87% increase year-on-year but a sequential decline of 6.08% from the previous quarter. This drop in profit suggests some normalization after an exceptionally strong prior quarter. Furthermore, the total income growth was modest, with only a 0.57% increase quarter-on-quarter and 0.53% year-on-year, indicating challenges in revenue momentum.<BR><BR>Overall, while there are strong indicators of improving asset quality and record NII, the decline in net profit and tepid revenue growth suggest that the results are not entirely favorable. Investors may view the bank's performance as a step in the right direction, but with caution regarding its profitability and growth trajectory.

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

The next results date for Bandhan Bank Ltd. is July 21, 2026.

The next results date for Bandhan Bank Ltd. is scheduled for July 21, 2026.

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.

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.