Bandhan Bank Limited
Bandhan Bank Limited provides banking and financial services for personal and business customers in India. The company operates through Treasury, Retail Banking, Corporate/Wholesale Banking, and Other Banking Business segments. It accepts term, fixed, and recurring deposits; and offers savings and current accounts. The company also provides home, gold, personal, two-wheeler, and car loans; loans against property; loan/overdraft against term deposits; and loans for small, medium, and large businesses. In addition, it invests in sovereign securities; offers liability products, card services, internet and mobile banking, ATM, trading, and non-resident Indian services; distributes third party products; and engages in demat and trading activities. Further, the company provides mutual fund, money transfer, bill payment and recharge, merchant payment, debit and credit card, internet and mobile banking, doorstep banking, safe deposit locker, remittance, transaction banking, trade finance, and cash management services, as well as health, life, home, travel, property, and car insurance products. The company was founded in 2001 and is headquartered in Kolkata, India. Bandhan Bank Limited operates as a subsidiary of Bandhan Life Insurance Limited.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Revenue grew 16.3% YoY
Concerns1
- Other income is 73.8% of PBT β a large share of earnings is non-operating
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ21.95 K Cr | β | βΉ2.75 K Cr | β | β | β | 16.3% | 23.1% |
| Mar 2024 | βΉ18.87 K Cr | β | βΉ2.23 K Cr | β | β | β | 18.6% | 1.6% |
| Mar 2023 | βΉ15.90 K Cr | β | βΉ2.19 K Cr | β | β | β | 14.7% | 1642.1% |
| Mar 2022 | βΉ13.87 K Cr | β | βΉ126.00 Cr | β | β | β | 10.8% | -94.3% |
| Mar 2021 | βΉ12.52 K Cr | β | βΉ2.21 K Cr | β | β | β | 15.1% | -27.1% |
| Mar 2020 | βΉ10.88 K Cr | β | βΉ3.02 K Cr | β | β | β | 63.9% | 54.9% |
| Mar 2019 | βΉ6.64 K Cr | β | βΉ1.95 K Cr | β | β | β | 38.3% | 45.0% |
| Mar 2018 | βΉ4.80 K Cr | β | βΉ1.35 K Cr | β | β | β | 22.8% | 21.0% |
| Mar 2017 | βΉ3.91 K Cr | β | βΉ1.11 K Cr | β | β | β | 147.2% | 304.4% |
| Mar 2016 | βΉ1.58 K Cr | β | βΉ275.00 Cr | β | β | β | β | 27400.0% |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue | 21,742 |
| Finance Costs | 10,826 |
| Total Expenses | 12,364 |
| Financing Profit | -1,448 |
| Financing Margin % | -7% |
| Other Income | 3,084 |
| Depreciation & Amortisation | 0 |
| Profit Before Tax | 1,636 |
| Tax % | - |
| Net Profit / PAT | 1,228 |
| EPS (βΉ) | 7.62 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| Bandhan Bank Limitedthis co. | βΉ23.10 K Cr | βΉ21.95 K Cr | 18.80 | 0.93 | 0.00 | 16.3% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |