Bandhan Bank Ltd.
NSE: BANDHANBNK · Private Sector Bank
Snapshot
Unlock Bandhan Bank Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Bandhan Bank is a private sector bank in India that provides a comprehensive range of commercial banking services, including retail, corporate, and wholesale banking. The bank maintains an extensive distribution network comprising branches, banking units, and ATMs to serve its diverse customer base.
Business Model
The bank generates revenue primarily through net interest income earned on loans and advances, alongside fee-based income from transaction services, insurance distribution, and third-party product sales. It operates through segments including Treasury, Retail Banking, and Corporate/Wholesale Banking.
- Branches:1,189
- Banking Units:4,450
- ATMs:471
Growth Outlook
Growth is driven by the expansion of the bank's retail loan portfolio and the deepening of its liability franchise through deposit mobilization. The bank continues to leverage its widespread physical presence to capture market share in both urban and rural segments.
Key Risks
- Asset Quality Risk. The bank's significant exposure to micro-banking and small business loans makes it vulnerable to economic downturns and borrower repayment defaults.
- Regulatory Risk. As a banking entity, the company is subject to stringent oversight by the Reserve Bank of India, where changes in monetary policy or capital requirements could impact profitability.
- Geographic Concentration. A high concentration of operations in specific regions of India may expose the bank to localized economic or political instability.
- Interest Rate Risk. Fluctuations in interest rates can impact the bank's net interest margins and the valuation of its sovereign security investment portfolio.
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Key Metrics
NET PROFIT
₹1,353 Cr
TTM · standalone
EPS
₹8.40
TTM · standalone
P/E
19.6x
Q1 FY27 · standalone
Peers · Private Sector Bank
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Bandhan Bank Ltd.BANDHANBNK | ₹26,574 Cr | 19.64 | — | — | — | 5.3% | — | +1.5% |
Karur Vysya Bank Ltd.KARURVYSYA | ₹33,716 Cr | 12.28 | — | — | — | 17.6% | — | +71.9% |
City Union Bank Ltd.CUB | ₹23,384 Cr | 13.40 | — | — | — | 13.7% | — | +21.6% |
The Jammu & Kashmir Bank LimitedJ&KBANK | ₹16,520 Cr | 7.17 | — | 7.0% | — | 14.8% | — | +49.8% |
Tamilnad Mercantile Bank LimitedTMB | ₹14,765 Cr | 10.22 | — | — | — | — | — | +119.1% |
The Karnataka Bank LimitedKTKBANK | ₹12,863 Cr | 8.95 | — | — | — | 11.4% | — | +93.8% |
Financials
Bandhan Bank Ltd.
NSE: BANDHANBNK · Private Sector Bank
Snapshot
Unlock Bandhan Bank Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Bandhan Bank is a private sector bank in India that provides a comprehensive range of commercial banking services, including retail, corporate, and wholesale banking. The bank maintains an extensive distribution network comprising branches, banking units, and ATMs to serve its diverse customer base.
Business Model
The bank generates revenue primarily through net interest income earned on loans and advances, alongside fee-based income from transaction services, insurance distribution, and third-party product sales. It operates through segments including Treasury, Retail Banking, and Corporate/Wholesale Banking.
- Branches:1,189
- Banking Units:4,450
- ATMs:471
Growth Outlook
Growth is driven by the expansion of the bank's retail loan portfolio and the deepening of its liability franchise through deposit mobilization. The bank continues to leverage its widespread physical presence to capture market share in both urban and rural segments.
Key Risks
- Asset Quality Risk. The bank's significant exposure to micro-banking and small business loans makes it vulnerable to economic downturns and borrower repayment defaults.
- Regulatory Risk. As a banking entity, the company is subject to stringent oversight by the Reserve Bank of India, where changes in monetary policy or capital requirements could impact profitability.
- Geographic Concentration. A high concentration of operations in specific regions of India may expose the bank to localized economic or political instability.
- Interest Rate Risk. Fluctuations in interest rates can impact the bank's net interest margins and the valuation of its sovereign security investment portfolio.
Start your research today
Unlock AI insights, financials, peers and live data on Bandhan Bank Ltd. and 5,000+ companies — free.
Key Metrics
NET PROFIT
₹1,353 Cr
TTM · standalone
EPS
₹8.40
TTM · standalone
P/E
19.6x
Q1 FY27 · standalone
Peers · Private Sector Bank
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