Bandhan Bank Limited
₹153.90-₹8.10 (-5.0%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹23,103 Cr
- P/E
- 18.8x
- Revenue
- ₹21,948 Cr
- ROCE
- 0.5%
Price chart
Technical chartScreen technicals →-9.7% over the last year
Daily closes.
Go deeper
Technical chart: candles, 9 moving averages, RSI, MACD and drawing tools
Performance
Price change over each period, before dividends.
- 1M
- -13.8%
- 3M
- -10.9%
- 6M
- -23.0%
- 1Y
- -9.7%
- 5Y
- -48.6%
52-week range
Day change -₹8.10 (-5.0%) from ₹162 to ₹154 · Last close Oct 30, 2026
Best weekday to invest, historically
The same weekly amount in BANDHANBNK, bought on each weekday since 2021.
AI Summary
Indian StockStrengths1
- Revenue grew 16.3% YoY
Concerns1
- Other income is 73.8% of PBT — a large share of earnings is non-operating
Rule-based from financial data. Not advice.
About the company
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.
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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.
- Sector
- Financial Services
- Shares outstanding
- 162 Cr shares
- ISIN
- INE545U01014
- BSE code
- 541153
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹23,103 Cr
- P/E
- 18.8x
- P/B
- 0.9x
- Earnings yield
- 5.3%
- 52-week high
- ₹216.70
- 52-week low
- ₹135.55
Profitability
- ROE
- 11.2%
- ROCE
- 0.5%
- Dividend payout
- 11.0%
- Tax rate
- 24.0%
- Other income, % of PBT
- 73.8%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹21,948 Cr
- Revenue growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 16.3%
- Revenue CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 11.6%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹2,171 Cr
- EBITDA growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -12.1%
- Net profit growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 23.1%
- Net profit CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -5.9%
- Cash from operationsLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹14,808 Cr
- CFO growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -448.8%
- Free cash flowLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -₹6,601 Cr
Solvency and efficiency
- CFO / Net profit
- 6.64
Where the revenue went
Of every ₹100 of FY2025 revenue, ₹13 was left as net profit.
| From | To | Amount |
|---|---|---|
| Revenue | Interest paid | ₹10,458 Cr |
| Revenue | Expenses | ₹10,554 Cr |
| Revenue | Financing profit | ₹936 Cr |
| Financing profit | Depreciation | ₹279 Cr |
| Financing profit | Profit before tax | ₹657 Cr |
| Other income | Profit before tax | ₹2,967 Cr |
| Profit before tax | Tax and other | ₹878 Cr |
| Profit before tax | Net profit | ₹2,745 Cr |
Revenue and net profit
Revenue grew 16.3% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹12,524 Cr | ₹2,205 Cr |
| FY2022 | ₹13,871 Cr | ₹126 Cr |
| FY2023 | ₹15,905 Cr | ₹2,195 Cr |
| FY2024 | ₹18,870 Cr | ₹2,230 Cr |
| FY2025 | ₹21,948 Cr | ₹2,745 Cr |
Cash flows
FY2025: ₹2,752 Cr from operations, -₹1,127 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | -₹909 Cr | -₹2,713 Cr |
| FY2022 | ₹902 Cr | ₹290 Cr |
| FY2023 | -₹4,245 Cr | -₹5,863 Cr |
| FY2024 | ₹14,808 Cr | ₹16,499 Cr |
| FY2025 | ₹2,752 Cr | -₹1,127 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹21,948 Cr+16.3%1Y
- Net profit
- ₹2,745 Cr+23.1%1Y
- Cash from operations
- ₹2,752 Cr-81.4%1Y
- Free cash flow
- -₹1,127 Cr-106.8%1Y
- Revenue CAGR, 5Y
- 11.6%
- EBITDA CAGR, 5Y
- 7.0%
- Net profit CAGR, 5Y
- -5.9%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹21,948 Cr | ₹936 Cr | — | ₹2,745 Cr | ₹2,752 Cr | -₹1,127 Cr | — | +16.3% | +23.1% |
Monthly returns
Month-by-month returns of BANDHANBNK across the years, with the seasonal pattern.
Balance sheet
What the company owns and owes at the end of FY2025.
| Line | FY2025 |
|---|---|
| Liabilities and equity | ₹1.9 L Cr |
| Equity capital | ₹1,611 Cr |
| Reserves | ₹22,994 Cr |
| Deposits | ₹1.5 L Cr |
| Borrowings | ₹11,138 Cr |
| Other liabilities | ₹4,520 Cr |
| Assets | ₹1.9 L Cr |
| Fixed assets | ₹855 Cr |
| Capital work in progress | ₹325 Cr |
| Investments | ₹40,712 Cr |
| Other assets | ₹1.5 L Cr |
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
BANDHANBNK trades at 18.8x earnings against a peer median of 26.9x (a 30% discount).
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| Bandhan Bank LimitedBANDHANBNKthis companyP/E ↓ discount | ₹23,103 Cr | 18.8x | 0.9x | 11.2% | — |
| Nuvama Wealth Management LimitedNUVAMA | ₹25,811 Cr | 51.4x | 12.9x | 30.9% | 103.2x |
| PNB Housing Finance LimitedPNBHOUSING | ₹25,224 Cr | 11.5x | 1.4x | 11.6% | — |
| The New India Assurance Company LimitedNIACL | ₹24,649 Cr | 21.4x | 0.9x | 3.5% | 13.1x |
| Aditya Birla Sun Life AMC LimitedABSLAMC | ₹23,756 Cr | 24.5x | 6.7x | 25.0% | 22.9x |
| ANGEL ONE LIMITEDANGELONE | ₹22,144 Cr | 26.0x | 3.8x | 21.7% | 13.1x |
| Aadhar Housing Finance LimitedAADHARHFC | ₹20,954 Cr | 21.2x | 3.0x | 14.3% | — |
| National Securities Depository LimitedNATIONAL | ₹20,703 Cr | 63.3x | 10.5x | 17.8% | 60.7x |
| CreditAccess Grameen Ltd.CREDITACC | ₹20,641 Cr | 154.0x | 2.9x | 7.6% | — |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
BANDHANBNK since 1 January, against earlier years.
Historical volatility
BANDHANBNK's day-to-day swings over 30, 60 and 180 days.
Financial statements
Income statement, balance sheet and cash flow as reported, in ₹ crore, grouped into plain-language lines.
Figures in ₹ crore as reported, fiscal years ending March, newest first; the trailing twelve months (TTM) last.
Operating margin by fiscal year
| Date | Operating margin |
|---|---|
| FY2021 | 8.0% |
| FY2022 | -19.0% |
| FY2023 | 4.0% |
| FY2024 | 5.0% |
| FY2025 | 4.0% |
| Line | FY2025 |
|---|---|
| Revenue | ₹21,948 Cr |
| Costs | |
| Interest | ₹10,458 Cr |
| Expenses | ₹10,555 Cr |
| Financing profitFinancing Profit | ₹936 Cr |
| Financing marginFinancing Margin % | 4.0% |
| Other income and charges | |
| Profit before tax | ₹3,623 Cr |
| Tax | |
| Net profitNet Profit | ₹2,745 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Liabilities and equityTotal Liabilities | ₹1.9 L Cr |
| Equity capitalEquity Capital | ₹1,611 Cr |
| Reserves | ₹22,994 Cr |
| Deposits | ₹1.5 L Cr |
| BorrowingsBorrowing | ₹11,138 Cr |
| Other liabilitiesOther Liabilities | ₹4,520 Cr |
| AssetsTotal Assets | ₹1.9 L Cr |
| Fixed assetsFixed Assets | ₹855 Cr |
| Capital work in progressCWIP | ₹325 Cr |
| Investments | ₹40,712 Cr |
| Other assetsOther Assets | ₹1.5 L Cr |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | ₹2,752 Cr |
| Investing cash flowCash from Investing Activity | -₹3,879 Cr |
| Financing cash flowCash from Financing Activity | -₹5,475 Cr |
| Change in cashNet Cash Flow | -₹6,601 Cr |
Learn while you research
Academy chapters picked for Bandhan Bank Limited and the metrics on this page.
- 01 Taxes on Investments (India)LTCG, STCG, dividend tax, what every Indian investor needs.6 min read
- 02 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read
- 03 Stock Market RisksSmall caps carry concentrated, idiosyncratic risk, learn to manage it.6 min read
- 04 Sector AnalysisBanks & financials are uniquely sensitive to rates and credit cycles.6 min read
- 05 Essential Stock RatiosP/E, P/B, EV/EBITDA, what they mean and when to use each.7 min read
- 06 How to Read a Cash-Flow StatementProfit can be manipulated; cash flow rarely lies.7 min read