WEBSITE BSE:541153 NSE: BANDHANBNK Inc. Year: 2014 Industry: Bank - Private
Last updated: 15:59
Bandhan Bank Limited is a commercial bank, which gives a number of asset and legal responsibility services and products designed for micro banking and widespread banking, as well as other banking services and products. Its asset products include retail loans together with a extensive portfolio of micro loans, in addition to micro, small and medium company (SME) loans and small agency loans. Its legal responsibility merchandise consist of current accounts, savings accounts,and various fixed deposit accounts. The Company also offers debit cards, ...Read More
Bandhan Bank Limited is a commercial bank, which gives a number of asset and legal responsibility services and products designed for micro banking and widespread banking, as well as other banking services and products. Its asset products include retail loans together with a extensive portfolio of micro loans, in addition to micro, small and medium company (SME) loans and small agency loans. Its legal responsibility merchandise consist of current accounts, savings accounts,and various fixed deposit accounts. The Company also offers debit cards, Internet banking, cell banking, electronic facts seize-point of sale (EDC- POS) terminals, on-line bill fee services and the distribution of third party coverage products and mutual fund merchandise. ...Read Less
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Market Cap ₹26853 Cr.
Stock P/E 9.8
P/B 1.1
Current Price ₹166.7
Book Value ₹ 153.9
Face Value 10
52W High ₹192.5
Dividend Yield 0.9%
52W Low ₹ 128.2
Price goes above X
Price falls below X
PE goes above X
PE falls below X
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| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 4492 | 4665 | 5189 | 5536 | 5500 | 5479 | 5434 | 5476 | 5354 | 5431 |
| Other Income | 540 | 545 | 701 | 546 | 609 | 1112 | 700 | 726 | 546 | 691 |
| Total Income | 5032 | 5211 | 5890 | 6082 | 6109 | 6591 | 6133 | 6201 | 5900 | 6122 |
| Interest Expense | 2049 | 2140 | 2330 | 2549 | 2566 | 2664 | 2678 | 2718 | 2765 | 2743 |
| Operating Expenditure | 1400 | 1415 | 1722 | 1592 | 1688 | 1905 | 1884 | 1815 | 1825 | 1934 |
| Provisions and contingencies | 636 | 684 | 1774 | 523 | 606 | 1376 | 1260 | 1147 | 1153 | 1155 |
| Operating Profit | 947 | 971 | 64 | 1418 | 1249 | 645 | 311 | 521 | 158 | 290 |
| Profit Before Tax | 947 | 971 | 64 | 1418 | 1249 | 645 | 311 | 521 | 158 | 290 |
| Provision for Tax | 226 | 239 | 10 | 354 | 311 | 219 | -7 | 150 | 46 | 85 |
| Profit After Tax | 721 | 733 | 55 | 1063 | 937 | 426 | 318 | 372 | 112 | 206 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 721 | 733 | 55 | 1063 | 937 | 426 | 318 | 372 | 112 | 206 |
| Adjusted Earnings Per Share | 4.5 | 4.5 | 0.3 | 6.6 | 5.8 | 2.6 | 2 | 2.3 | 0.7 | 1.3 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 0 | 1581 | 3909 | 4802 | 6643 | 10885 | 12524 | 13872 | 15905 | 18870 | 21948 | 21695 |
| Other Income | 8 | 150 | 411 | 706 | 1063 | 1549 | 2022 | 2822 | 2469 | 2171 | 2967 | 2663 |
| Total Income | 8 | 1731 | 4320 | 5508 | 7706 | 12435 | 14546 | 16694 | 18373 | 21041 | 24915 | 24356 |
| Interest Expense | 0 | 649 | 1505 | 1770 | 2148 | 4562 | 4961 | 5157 | 6645 | 8551 | 10458 | 10904 |
| Operating Expenditure | 6 | 616 | 1022 | 1308 | 1810 | 2427 | 2817 | 3524 | 4637 | 5851 | 7068 | 7458 |
| Provisions and contingencies | 2 | 53 | 88 | 374 | 735 | 1393 | 3820 | 7885 | 4198 | 3697 | 3765 | 4715 |
| Operating Profit | 1 | 414 | 1704 | 2056 | 3013 | 4053 | 2949 | 129 | 2893 | 2943 | 3623 | 1280 |
| Profit Before Tax | 1 | 414 | 1704 | 2056 | 3013 | 4053 | 2949 | 129 | 2893 | 2943 | 3623 | 1280 |
| Provision for Tax | 0 | 138 | 593 | 710 | 1062 | 1030 | 743 | 3 | 698 | 713 | 878 | 274 |
| Profit After Tax | 1 | 275 | 1112 | 1346 | 1952 | 3024 | 2205 | 126 | 2195 | 2230 | 2745 | 1008 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 1 | 275 | 1112 | 1346 | 1952 | 3024 | 2205 | 126 | 2195 | 2230 | 2745 | 1008 |
| Adjusted Earnings Per Share | 0 | 2.5 | 10.2 | 11.3 | 16.4 | 18.8 | 13.7 | 0.8 | 13.6 | 13.8 | 17 | 6.3 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 16% | 17% | 15% | 0% |
| Operating Profit CAGR | 23% | 204% | -2% | 127% |
| PAT CAGR | 23% | 179% | -2% | 121% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 12% | -12% | -13% | NA% |
| ROE Average | 12% | 12% | 10% | 14% |
| ROCE Average | 12% | 11% | 9% | 17% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 0 | 3335 | 4446 | 9382 | 11202 | 15195 | 17408 | 17381 | 19584 | 21610 | 24605 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deposits | 0 | 12089 | 23229 | 33869 | 43232 | 57082 | 77972 | 96331 | 108065 | 135202 | 151212 |
| Borrowings | 0 | 3052 | 1029 | 285 | 521 | 16379 | 16960 | 19921 | 24711 | 16372 | 11138 |
| Other Liabilities & Provisions | 25 | 1282 | 1532 | 774 | 1487 | 3062 | 2675 | 5362 | 3677 | 4659 | 4520 |
| Total Liabilities | 527 | 19757 | 30236 | 44310 | 56442 | 91718 | 115016 | 138995 | 156037 | 177842 | 191476 |
| Cash and balance with RBI | 0 | 810 | 6012 | 2837 | 3879 | 6345 | 3335 | 4943 | 7327 | 15393 | 7477 |
| Bank Balance | 401 | 2363 | 1353 | 2674 | 1924 | 2008 | 2893 | 4379 | 923 | 778 | 2092 |
| Investments | 0 | 3758 | 5516 | 8372 | 10037 | 15352 | 25155 | 29079 | 32366 | 29288 | 40712 |
| Advances | 0 | 12438 | 16839 | 29713 | 39643 | 66630 | 81613 | 93975 | 104757 | 121137 | 131987 |
| Fixed Assets | 109 | 237 | 252 | 238 | 222 | 347 | 432 | 415 | 509 | 959 | 855 |
| Other Assets | 17 | 150 | 264 | 476 | 627 | 1014 | 1533 | 6032 | 9810 | 10073 | 8027 |
| Total Assets | 527 | 19757 | 30236 | 44310 | 56442 | 91718 | 115016 | 138995 | 156037 | 177842 | 191476 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 0 | 400 | 3173 | 7365 | 5375 | 5802 | 8352 | 6226 | 9319 | 8247 | 16168 |
| Cash Flow from Operating Activities | 0 | 6950 | 8885 | -2599 | 2695 | 6583 | -909 | 902 | -4245 | 14808 | 2752 |
| Cash Flow from Investing Activities | -102 | -3714 | -2671 | -2237 | -2373 | -5312 | -1804 | -612 | -1618 | 1691 | -3879 |
| Cash Flow from Financing Activities | 501 | -3723 | -2023 | 2846 | 105 | 154 | 588 | 2803 | 4791 | -8579 | -5475 |
| Net Cash Inflow / Outflow | 400 | -487 | 4192 | -1989 | 427 | 1426 | -2125 | 3093 | -1071 | 7921 | -6601 |
| Closing Cash & Cash Equivalent | 400 | 3173 | 7365 | 5375 | 5802 | 8352 | 6228 | 9319 | 8247 | 16168 | 9567 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 0.01 | 2.51 | 10.15 | 11.28 | 16.36 | 18.78 | 13.69 | 0.78 | 13.62 | 13.84 | 17.04 |
| CEPS(Rs) | 0.01 | 2.84 | 10.76 | 12 | 17.01 | 19.28 | 14.33 | 1.46 | 14.51 | 15.31 | 18.77 |
| DPS(Rs) | 0 | 0 | 0 | 1 | 3 | 0 | 1 | 0 | 1.5 | 1.5 | 1.5 |
| Book NAV/Share(Rs) | 10.01 | 30.45 | 40.6 | 78.65 | 93.89 | 94.37 | 108.09 | 107.87 | 121.5 | 133.87 | 151.21 |
| Yield on Advances | 0 | 12.71 | 23.21 | 16.16 | 16.76 | 16.34 | 15.35 | 14.76 | 15.18 | 15.58 | 16.63 |
| Yield on Investments | 0 | 3.54 | 8.15 | 6.41 | 6.5 | 6.16 | 5.89 | 5.88 | 6.06 | 7.34 | 5.69 |
| Cost of Liabilities | 0 | 4.28 | 6.21 | 5.18 | 4.91 | 6.21 | 5.23 | 4.44 | 5 | 5.64 | 6.44 |
| NIM (Net Interest Margin) | 0 | 4.82 | 8.09 | 6.96 | 8.1 | 7 | 6.69 | 6.58 | 6.37 | 6.19 | 6.3 |
| Interest Spread | 0 | 8.43 | 17.01 | 10.98 | 11.85 | 10.13 | 10.12 | 10.32 | 10.18 | 9.94 | 10.19 |
| ROA(%) | 0 | 2.79 | 4.45 | 3.61 | 3.87 | 4.08 | 2.13 | 0.1 | 1.49 | 1.34 | 1.49 |
| ROE(%) | 0.11 | 14.35 | 28.58 | 19.46 | 18.96 | 22.91 | 13.53 | 0.72 | 11.88 | 10.84 | 11.96 |
| ROCE(%) | 0 | 26.34 | 32.35 | 28.32 | 28.65 | 24.62 | 11.97 | 2.7 | 10.01 | 10.31 | 12.34 |
| PER(x) | 0 | 0 | 0 | 41.51 | 32.09 | 10.85 | 24.74 | 393.6 | 14.36 | 13.01 | 8.58 |
| Price/Book(x) | 0 | 0 | 0 | 5.95 | 5.59 | 2.16 | 3.13 | 2.85 | 1.61 | 1.35 | 0.97 |
| Dividend Yield(%) | 0 | 0 | 0 | 0.21 | 0.57 | 0 | 0.3 | 0 | 0.77 | 0.83 | 1.03 |
| EV/Net Sales(x) | 0 | 2.62 | 0.54 | 11.69 | 9.51 | 4.52 | 5.71 | 5.01 | 3.54 | 2.41 | 1.58 |
| EV/Core EBITDA(x) | 217.4 | 8.88 | 1.18 | 23.1 | 16.85 | 9.03 | 10.57 | 8.67 | 7.93 | 6.84 | 4.69 |
| Interest Earned Growth(%) | 0 | 0 | 147.17 | 22.86 | 38.34 | 63.86 | 15.05 | 10.76 | 14.66 | 18.64 | 16.32 |
| Net Profit Growth | 0 | 0 | 303.98 | 21.01 | 45.03 | 54.94 | -27.06 | -94.3 | 1644.63 | 1.59 | 23.13 |
| Advances Growth | 0 | 0 | 35.39 | 76.45 | 33.42 | 68.07 | 22.49 | 15.15 | 11.47 | 15.64 | 8.96 |
| EPS Growth(%) | 0 | 0 | 303.99 | 0 | 45 | 14.8 | -27.08 | -94.3 | 1644.46 | 1.58 | 23.13 |
| Loans/Deposits(x) | 0 | 25.24 | 4.43 | 0.84 | 1.21 | 28.69 | 21.75 | 20.68 | 22.87 | 12.11 | 7.37 |
| Cash/Deposits(x) | 0 | 0.07 | 0.26 | 0.08 | 0.09 | 0.11 | 0.04 | 0.05 | 0.07 | 0.11 | 0.05 |
| Current Ratio(x) | 0 | 0.31 | 0.24 | 0.25 | 0.23 | 0.27 | 0.32 | 0.3 | 0.3 | 0.22 | 0.27 |
| Quick Ratio(x) | 0 | 25.24 | 4.43 | 0.84 | 1.21 | 28.69 | 21.75 | 20.68 | 22.87 | 12.11 | 7.37 |
| CASA % | 0 | 21.55 | 29.43 | 34.32 | 40.75 | 36.84 | 43.38 | 41.61 | 39.28 | 37.09 | 31.37 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 39.98 | 39.98 | 39.98 | 39.98 | 39.98 | 39.98 | 39.98 | 40.92 | 40.29 | 39.74 |
| FII | 32.77 | 34.74 | 31.19 | 28.25 | 26.73 | 23.22 | 22.73 | 24.34 | 23.43 | 22.31 |
| DII | 17.52 | 14.87 | 12.5 | 15.13 | 16.4 | 15.48 | 16.43 | 16.59 | 17.89 | 18.82 |
| Public | 9.72 | 10.41 | 16.33 | 16.64 | 16.89 | 21.32 | 20.85 | 18.15 | 18.4 | 19.12 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 64.41 | 64.41 | 64.41 | 64.41 | 64.41 | 64.41 | 64.41 | 65.93 | 64.9 | 64.02 |
| FII | 52.79 | 55.96 | 50.24 | 45.51 | 43.06 | 37.41 | 36.62 | 39.21 | 37.74 | 35.95 |
| DII | 28.22 | 23.95 | 20.13 | 24.38 | 26.42 | 24.94 | 26.47 | 26.72 | 28.82 | 30.32 |
| Public | 15.67 | 16.76 | 26.31 | 26.8 | 27.21 | 34.34 | 33.6 | 29.24 | 29.64 | 30.81 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 161.09 | 161.09 | 161.1 | 161.1 | 161.1 | 161.1 | 161.1 | 161.1 | 161.1 | 161.1 |
* The pros and cons are machine generated.
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