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Bandhan Bank Ltd. engages in the provision of banking and financial services. The company is headquartered in Kolkata, West Bengal and currently employs 69,702 full-time employees. The company went IPO on 2018-03-27. The Bank's segments include Treasury, Retail Banking, Corporate/Wholesale Banking and Other Banking Business. The Treasury segment includes investments in sovereign securities and trading operations, and also includes the central funding unit. The Retail Banking segment includes lending to individuals/small businesses through the branch network and other delivery channels subject to the orientation, nature of product, granularity of the exposure and low value of individual exposure thereof. The company also includes liability products, card services, Internet banking, mobile banking, ATM services and NRI services. All deposits sourced by branches are classified in retail category. The Other Banking Business segment includes para banking activities, such as third-party product distribution and other banking transactions. The Bank offers various loans, such as Subriddhi, Suraksha, Sushiksha, Sahayata Suyog, Bazaar and Micro Home.
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“Banking franchise in Banking — Lending & Deposits.”
Net Interest Income of ₹10,830 Cr on total income of ₹27,060 Cr.
Cost-to-income ratio at 56.8%. Provision coverage at 15.3% of income.
“GNPA ratio improved sharply to 3.”
“crore towards gratuity during the quarter.”
“credit cost payment? So while the guidance is difficult to give at this stage, but we can see that it could substantially improve.”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 4.8%▼ | 11.5% |
| Net Margin | 4.5%▼ | 12.1% |
| EBITDA Margin | 51.6%▼ | 67.3% |
| Debt To Equity | 6.50x▼ | 8.01x |
| NIM | 7.2%▼ | 390.0% |
| Cost To Income | 56.8% | - |
| Credit Deposit Ratio | 90.20x | 83.00x |
No related party data available for this company.
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| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|---|
| Interest on Advances | ₹18,547 Cr -4.2% | ₹19,367 Cr +17.3% | ₹16,506 Cr +19.8% | ₹13,775 Cr +13.1% | ₹12,184 Cr +11.9% | ₹10,892 Cr +14.8% | ₹9,486 Cr +65.6% | ₹5,727 Cr |
| Income on Investments | ₹2,637 Cr +20.9% | ₹2,182 Cr +8.4% | ₹2,014 Cr +6.7% | ₹1,886 Cr +27.6% | ₹1,478 Cr +25.9% | ₹1,174 Cr +41.0% | ₹833 Cr +35.0% | ₹617 Cr |
| ₹2,734 Cr -7.8% | ₹2,967 Cr +37.0% | ₹2,165 Cr -12.3% | ₹2,469 Cr -12.6% | ₹2,823 Cr +33.8% | ₹2,109 Cr +36.1% | ₹1,549 Cr +45.7% | ₹1,063 Cr | |
| Total Income | ₹24,423 Cr -2.0% | ₹24,915 Cr +18.4% | ₹21,034 Cr +14.5% | ₹18,373 Cr +10.1% | ₹16,694 Cr +14.1% | ₹14,633 Cr +17.7% | ₹12,435 Cr +61.3% | ₹7,707 Cr |
| Interest Expended | ₹10,859 Cr +3.8% | ₹10,458 Cr +22.4% | ₹8,544 Cr +28.6% | ₹6,645 Cr +28.9% | ₹5,157 Cr +4.0% | ₹4,961 Cr +8.8% | ₹4,562 Cr +112.4% | ₹2,148 Cr |
| Employee Cost | ₹4,493 Cr +3.0% | ₹4,361 Cr +23.1% | ₹3,543 Cr +30.5% | ₹2,715 Cr +27.2% | ₹2,135 Cr +28.2% | ₹1,665 Cr +21.8% | ₹1,367 Cr +35.5% | ₹1,009 Cr |
| Other Operating Expenses | ₹3,206 Cr +18.4% | ₹2,708 Cr +17.3% | ₹2,308 Cr +20.1% | ₹1,922 Cr +38.4% | ₹1,389 Cr +20.5% | ₹1,153 Cr +8.8% | ₹1,060 Cr +32.1% | ₹802 Cr |
| Provisions & Contingencies | ₹4,131 Cr +9.7% | ₹3,765 Cr +1.9% | ₹3,697 Cr -12.0% | ₹4,198 Cr -46.8% | ₹7,885 Cr +101.8% | ₹3,907 Cr +180.4% | ₹1,393 Cr +89.5% | ₹735 Cr |
| Total Expenditure | ₹18,558 Cr +5.9% | ₹17,526 Cr +21.8% | ₹14,395 Cr +27.6% | ₹11,282 Cr +30.0% | ₹8,681 Cr +11.6% | ₹7,778 Cr +11.3% | ₹6,988 Cr +76.5% | ₹3,959 Cr |
| Profit Before Tax | ₹1,734 Cr -52.1% | ₹3,623 Cr +23.1% | ₹2,943 Cr +1.7% | ₹2,893 Cr | ₹129 Cr -95.6% | ₹2,949 Cr -27.3% | ₹4,053 Cr +34.5% | ₹3,013 Cr |
| Tax | ₹510 Cr -41.9% | ₹878 Cr +23.1% | ₹713 Cr +2.1% | ₹698 Cr | ₹3 Cr -99.6% | ₹743 Cr -27.8% | ₹1,030 Cr -3.0% | ₹1,062 Cr |
| Net Profit | ₹1,224 Cr -55.4% | ₹2,745 Cr +23.1% | ₹2,230 Cr +1.6% | ₹2,195 Cr | ₹126 Cr -94.3% | ₹2,205 Cr -27.1% | ₹3,024 Cr +54.9% | ₹1,952 Cr |
| EPS | ₹7.60 | ₹17.04 | ₹13.84 | ₹13.62 | ₹0.78 | ₹13.69 | ₹18.78 | ₹16.36 |
| Diluted Shares | ₹161 Cr | ₹161 Cr | ₹161 Cr | ₹161 Cr | ₹161 Cr | ₹161 Cr | ₹161 Cr | ₹119 Cr |
| Other Interest | ₹423 Cr +40.1% | ₹302 Cr +10.9% | ₹272 Cr +56.5% | ₹174 Cr +154.2% | ₹68 Cr -79.9% | ₹340 Cr -15.7% | ₹403 Cr +76.6% | ₹228 Cr |
| Non Performing Assets | ₹1,452 Cr -14.2% | ₹1,693 Cr +25.6% | ₹1,348 Cr +9.7% | ₹1,228 Cr -21.5% | ₹1,564 Cr -45.3% | ₹2,861 Cr +634.7% | ₹389 Cr +70.6% | ₹228 Cr |
| Gross Non Performing Assets | ₹5,020 Cr -22.0% | ₹6,436 Cr +34.5% | ₹4,785 Cr -9.7% | ₹5,299 Cr -16.9% | ₹6,380 Cr +10.8% | ₹5,758 Cr +480.0% | ₹993 Cr +21.1% | ₹820 Cr |
| Interest (RBI & Others) | ₹82 Cr -15.8% | ₹97 Cr +24.9% | ₹78 Cr +12.2% | ₹69 Cr -50.6% | ₹141 Cr +18.9% | ₹118 Cr -27.6% | ₹163 Cr +128.6% | ₹71 Cr |
Bandhan Bank Limited has informed the Exchange about Schedule of Analysts / Institutional Investors Meet to be held on August 06, 2026 and the presentation to be made thereat.
Bandhan Bank Limited has informed the Exchange about Newspaper Advertisements regarding dispatch of Notice of 12th AGM and Integrated Annual Report for FY 2025-26, and regarding information on e-votin...
Bandhan Bank Limited has informed the Exchange about Transcript of the Earnings Call on the Unaudited Financial Results for the quarter (Q1) ended June 30, 2026.
Bandhan Bank Limited has informed the Exchange about Copy of Newspaper Advertisements regarding the 12th AGM of the Members of the Bank, along with related information.
Bandhan Bank Limited has informed the Exchange about copies of Newspaper Publications with respect to Unaudited Financial Results of the Bank, for the Quarter (Q1) ended June 30, 2026.
Bandhan Bank Limited has informed the Exchange about Audio Recordings of the Press Conference and the Earnings Call on the Unaudited Financial Results for the quarter (Q1) ended June 30, 2026.
The 12th Annual General Meeting of the Members of the Bank will be held on Monday, August 24, 2026. The Record Date for the purpose of Dividend has been fixed as August 17, 2026.
Bandhan Bank Limited has informed the Exchange about Investor Presentation
Bandhan Bank Limited has submitted to the Exchange, the Outcome of Board Meeting, including Unaudited Financial Results, for the quarter ended June 30, 2026, and other matters.
Bandhan Bank Limited has informed the Exchange regarding Grant of 8,300 Equity Stock Options.
Bandhan Bank Limited has informed the Exchange regarding Trading Plan pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015
Bandhan Bank Limited has informed the Exchange regarding Trading Plan pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015
Details of the Bandhan Bank Earnings Call with analysts and investors, on the performance of Bandhan Bank Limited, for the quarter (Q1) ended June 30, 2026.
Bandhan Bank Limited has informed the Exchange regarding Allotment of Equity Shares of the Bank pursuant to exercise of Options under Bandhan Bank Employee Stock Option Plan Series 1.
Bandhan Bank Limited has informed the Exchange about Certificate in terms of Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018.