BANDHANBNK · Bandhan Bank Ltd · Regional Banks
BANDHANBNK · Bandhan Bank Ltd · Regional Banks
As of 06 Nov close
52-week range
25.3% below 52-week high
52-week range: as of 06 Nov 2026 close.
Price chartDaily closes on the stock page.
Weighted combination of 8 measured readings. Not a probability, a rating or a forecast.
Full signal detail →Fundamentals as of 15 Sep 2026 · the company's own latest record is 53 days old
Revenue (latest Q)
Not available from data source
Revenue YoY
PAT YoY
+34.9%
Operating margin
Revenue, last 8 quarters
P/E (TTM)
P/B
1.1
P/S (TTM)
2.1
Sector P/E
Not available from data source
Dividend yield
+0.8%
Source: Yahoo Finance, as of 29 Oct 2026
| Company | P/E | P/B | Net margin | ROE | D/E | Div. yield |
|---|---|---|---|---|---|---|
| BANDHANBNK (this stock) | 24.3 | 1.1 | +13.2% | +7.0% | 0.56 | +0.8% |
| HDFC Bank | 15.5 | 1.8 | +25.6% | +13.7% | 0.93 | +1.8% |
| ICICI Bank | 17.5 | 2.6 | +25.9% | +16.0% | 0.59 | +0.9% |
| State Bank of India | 11 | 1.4 | +21.4% | +15.4% | 1.32 | +1.8% |
Promoter
falling 3q
FII
falling 3q
MF
19.65% (+4.05pp)
rising 3q
Insider trades
No insider trades in the last 12 months.
Bulk/block deals
| date | canonicalSymbol | buy quantity | buyer count | deal strength | deal types present |
|---|---|---|---|---|---|
| 2026-07-22 | BANDHANBNK | 10513583 | 1 | WEAK | BULK |
| 2026-04-29 | BANDHANBNK | 11835129 | 1 | WEAK | BULK |
News timeline
- loweconomictimes.indiatimes.com· 29 Oct 2026, 06:00 amStocks in news: Jio Platforms, RIL, Hero MotoCorp, Meesho, TVS Motor, Vedanta Aluminium and Suzlon Energy
- loweconomictimes.indiatimes.com· 19 Oct 2026, 11:54 amPSU bank stocks soar up to 8%, but HDFC, Axis and other private lenders fall up to 5% after Q2 results. Why the sharp divide?
- loweconomictimes.indiatimes.com· 18 Oct 2026, 02:50 pmBandhan Fin to explore health insurance foray post stabilisation of recent acquisitions: Chairman Ghosh
- mediummacroeconomictimes.indiatimes.com· 13 Oct 2026, 06:00 amPre-market action: Here's the trade setup for today's session
- mediumregulatoryeconomictimes.indiatimes.com· 12 Oct 2026, 10:07 amWill RBI’s CRR hike to 99% hit HDFC, SBI and other bank stocks? Here’s what Jefferies says
- lowzerodha.com· 30 Sept 2026, 08:56 amAdditional exposure margin on securities under MWPL
- loweconomictimes.indiatimes.com· 23 Sept 2026, 12:28 amHigh-level panel on banking likely by October-end
- loweconomictimes.indiatimes.com· 17 Sept 2026, 06:00 amPre-market action: Here's the trade setup for today's session
- unknowneconomictimes.indiatimes.com· 11 Sept 2026, 06:00 amPre-market action: Here's the trade setup for today's session
- loweconomictimes.indiatimes.com· 05 Sept 2026, 04:37 pmHighest senior citizen FD interest rates up to 8.50 in 2026: Top 5 fixed deposit rates from PSU, private and small finance banks
- unknownthehindubusinessline.com· 03 Sept 2026, 11:01 amHDFC Bank shares in focus: Bank stocks surge amid FCNR(B) bonanza
- unknownthehindubusinessline.com· 26 Aug 2026, 10:59 amWhy are HDFC Bank shares in focus today?
- unknownzerodha.com· 26 Aug 2026, 09:01 amAdditional exposure margin on securities under MWPL
- loweconomictimes.indiatimes.com· 21 Aug 2026, 06:00 amPre-market action: Here's the trade setup for today's session
- loweconomictimes.indiatimes.com· 20 Aug 2026, 12:44 amNo takers: Public sector banks put ₹39,000 cr of bad loans up for sale again
- mediummacroeconomictimes.indiatimes.com· 19 Aug 2026, 06:00 amPre-market action: Here's the trade setup for today's session
- unknowneconomictimes.indiatimes.com· 19 Aug 2026, 05:30 amTop 10 private banks cut over 10,000 jobs in FY26 as AI reshapes hiring
- loweconomictimes.indiatimes.com· 14 Aug 2026, 02:00 pmAllahabad HC orders banks to freeze only disputed amount in cybercrime cases
- loweconomictimes.indiatimes.com· 13 Aug 2026, 10:09 amHave over Rs 1 crore cash to invest? Expert suggests portfolio for retirement, children’s goals
- loweconomictimes.indiatimes.com· 12 Aug 2026, 01:58 pmJioBlackRock Flexi Cap Fund adds Bandhan Bank, 14 other stocks; exits Vedanta, 17 more in July
Concalls & investor presentations
AI-generatedKey takeaway: Management reported that Bandhan Bank Limited's Q1FY27 performance showed resilience despite seasonal challenges, with gross advances growing 16% YoY to INR 1.56 lakh crores and deposits reaching INR 1.65 lakh crores, driven by strong retail deposit growth. The bank's profitability remained stable, with a net profit of INR 502 crores, reflecting a 35% YoY increase. Management highlighted a focus on improving asset quality, with gross NPA at 3.1% and net NPA at 0.9%. However, external factors such as geopolitical tensions and rising technology costs posed challenges, leading management to adjust their ROA guidance to a range of 1.2% to 1.4% for Q4FY27. The bank aims to maintain a balanced growth strategy, with a focus on secured lending and improving operational efficiency while navigating the uncertain external environment.
Management highlighted both achievements and challenges in the current operating environment.
Sourced from an exchange-filed transcript, dated 27 Jul 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: The investor presentation for Bandhan Bank Limited, dated July 21, 2026, provided an update on the unaudited financial results for Q1 FY27, highlighting key strategic and financial metrics. The bank reported a total of 1,988 branches and 4,400 EEB banking units, with a customer base of 31.8 million. Gross advances reached ₹1,555.6 billion, reflecting a 16.4% year-over-year increase. The bank's total deposits stood at ₹1,648.9 billion, with a CASA ratio of 29.4%. The GNPA ratio improved to 3.1%, while the NNPA ratio was at 0.9%. Net interest income was reported at ₹29.2 billion, with a PAT of ₹5.0 billion, marking a 34.9% increase year-over-year. The presentation emphasized the bank's focus on digital transactions, with 98% of retail transactions being digital, and highlighted ongoing efforts in customer centricity and operational efficiency.
Management emphasized strong growth in customer base and financial metrics.
Sourced from an exchange-filed presentation, dated 21 Jul 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: The earnings call for Bandhan Bank Limited on April 28, 2026, discussed the bank's financial performance for Q4 and FY26. Management reported a healthy 13% year-on-year growth in gross advances, reaching approximately INR 1.54 lakh crores, and a 10% increase in total deposits to INR 1.66 lakh crores. The bank emphasized improvements in asset quality, with gross and net NPAs at 3.3% and 1.0%, respectively. Management highlighted strong CASA growth, which now accounts for 29% of total deposits, and a net profit of INR 534 crores for the quarter, reflecting a 68% increase year-on-year. The bank's capital adequacy ratio improved to 18.0%. Management set a goal of maintaining a secured loan book ratio of 58% by FY27, while also focusing on enhancing customer engagement and digital offerings. The discussion concluded with management expressing confidence in the bank's strategic direction and operational resilience.
Management highlighted improvements in growth, profitability, and asset quality.
Sourced from an exchange-filed transcript, dated 05 May 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: The investor presentation by Bandhan Bank Limited provided an update on the audited financial results for the quarter and financial year ended March 31, 2026. The presentation highlighted the bank's extensive outreach with 1,955 branches and 4,400 EEB banking units across 35 states and union territories. Key financial metrics included gross advances of ₹1,542.3 billion, a gross NPA ratio of 3.3%, and a PAT of ₹5.3 billion, reflecting a significant year-on-year increase of 68%. The bank reported a strong capital adequacy ratio of 18.0% and emphasized its focus on digital transactions, with 98% of retail transactions being digital. Management noted a strategic shift towards higher secured assets and a disciplined approach to credit selection to enhance asset quality. The presentation concluded with an overview of the bank's management team and recent accolades, including recognition as one of the Best BFSI Brands 2026.
Management emphasized strong financial performance and strategic growth initiatives.
Sourced from an exchange-filed presentation, dated 28 Apr 2026. Summary is RedixFi-generated and distinct from investment advice.
AI Summary of Annual Report
AI-generatedBandhan Bank Limited reported a net profit of ₹2,230 crore for FY2023-24, a 1.6% increase from ₹2,195 crore in the previous year. The bank's Gross NPA and Net NPA decreased to 3.84% and 1.11%, respectively, from 4.87% and 1.17% in the prior year, indicating improved asset quality. The bank's digital banking performance saw a 21% year-on-year increase in digital registrations and a 52% surge in digital transaction volume. The bank also announced the appointment of Mr. Ratan Kumar Kesh as Interim MD&CEO effective July 10, 2024, following the retirement of Mr. Chandra Shekhar Ghosh. The bank's strategic focus remains on diversifying its asset book, expanding housing finance, retail assets, and SME lending, while maintaining a secured asset portfolio of 42.6%.
- Net profit for FY2023-24 was ₹2,230 crore, up 1.6% year-on-year.
- Gross NPA and Net NPA decreased to 3.84% and 1.11% respectively, showing improved asset quality.
- Digital banking performance saw a 21% year-on-year increase in digital registrations and a 52% surge in digital transaction volume.
- Appointment of Mr. Ratan Kumar Kesh as Interim MD&CEO effective July 10, 2024.
- Strategic focus on diversifying the asset book with an increase in secured assets to 42.6%.
Key takeaway: Bandhan Bank Limited reported improved financial performance and asset quality in FY2023-24, with a slight increase in net profit and reduced NPAs, while also appointing a new interim MD&CEO and focusing on strategic diversification.
The following annual report excerpts provide qualitative strategic context. Do not treat any specific financial figures in these excerpts as authoritative — they may be incorrectly labeled due to PDF table extraction limitations. For precise financial data, refer to the structured fundamentals data above.
Governance disclosures
AI-generatedNeeds attention
Auditor Qualification (1 item); Regulatory Action (5 items); Default / Covenant Breach (1 item); Investigation or enforcement mention (1 item)
Items of these kinds are disclosed in the filings. This is a count of disclosed items. It is not a finding about the company and its cause has not been independently established.
Auditor Qualification
1 occurrenceRecent (last 12 months)
The Independent Audit Report issued by the Joint Statutory Auditors of the Bank for the financial year ended March 31, 2026, includes a modified opinion.
Regulatory Action
5 occurrencesRecent (last 12 months)
The Bank was directed by RBI to pay a penalty of ₹44.70 lakhs for alleged violations under a Show Cause Notice dated July 3, 2025, with the penalty paid on September 5, 2025.
Earlier (1-3 years ago)
The company has 10 instances of penalties imposed by RBI due to cash outage and service deficiency.
The RBI imposed a penalty of ₹29.55 lakh on the bank for non-compliance with directions in the 'Reserve Bank of India (Interest Rate on Deposits) Directions, 2016' during FY 2024.
Older (3+ years ago)
The company submitted cases of violations of its insider trading code to the Disciplinary Committee and informed stock exchanges about actions taken, including penalties remitted to SEBI's Investor Protection and Education Fund.
The Reserve Bank of India imposed a penalty of ₹1 Crore on the Bank during FY 2021-22 for contravening directions in circulars on lending to NBFCs.
Default / Covenant Breach
1 occurrenceEarlier (1-3 years ago)
The company classified a borrower as a wilful defaulter during FY 2025.
Investigation or enforcement mention
1 occurrenceEarlier (1-3 years ago)
The Bank received a Show Cause Notice from NCGTC regarding potential rejection of CGFMU and ECLGS guarantee claims. The Bank is cooperating with a forensic audit of the portfolio and has technically written off the loans.
Routine disclosures
Contingent Liability
5 occurrencesRecent (last 12 months)
Contingent liabilities amounting to ₹28,87,48,093 as of March 31, 2026 and ₹16,76,91,610 as of March 31, 2025 are disclosed in the balance sheet.
Earlier (1-3 years ago)
The company has contingent liabilities from forward exchange contracts, guarantees given on behalf of constituents, and other financial obligations such as currency swaps and interest rate swaps. The amounts involved are ₹14,60,299 (partly paid investments), ₹6,55,48,250 (forward exchange contracts), ₹1,41,31,077 (guarantees in India), and ₹7,43,20,513 (currency swaps) as of March 31, 2025.
As of March 31, 2024, the company has contingent liabilities amounting to ₹997,273 (in ‘000) under 'Claims against the Bank not acknowledged as debts'.
Older (3+ years ago)
The company has contingent liabilities of ₹555,877 (in ‘000) as of March 31, 2023, under Schedule 12, specifically Claims against the Bank not acknowledged as debts.
The company has contingent liabilities including guarantees given on behalf of constituents in India and outside India, as disclosed in Schedule 12.
Related-Party Transaction
5 occurrencesRecent (last 12 months)
Bandhan Konnagar (BK), a promoter group entity and related party of the Bank, conducted CSR expenditures as related party transactions, which were approved by the Audit Committee, CSR&SCB, and the Board of Directors.
Earlier (1-3 years ago)
The company has a related-party transaction involving Bandhan Konnagar for Inclusive Growth, with CSR funds being spent through them, including ₹0.13 crore in FY25 and ₹0.25 crore in FY24.
Bandhan Bank Limited's board approved material related party transactions with promoter entities for banking transactions.
Older (3+ years ago)
The Bank has proposed transactions with promoter/promoter group entities exceeding the SEBI LODR threshold of ₹ 1,000 crore or 10% of annual consolidated turnover, with an aggregate value of ₹ 10,000 crore per annum. These transactions are to be executed at arm’s length and in the ordinary course of business.
The Bank had related party transactions including deposits and interest payments with relatives of key management personnel, totaling ₹1,924.44 crore in deposits and ₹65.84 crore in interest payments during the year ended March 31, 2022.
Management & Board Governance
1 occurrenceEarlier (1-3 years ago)
Dr. Allamraju Subramanya Ramasastri, an Independent Director, resigned as a director effective July 01, 2025, leading to the re-constitution of the NRC on July 13, 2025, with Mr. Vijay N Bhatt inducted as a new member.