Market Data
Market Cap₹29,241.07 Cr.
52W High₹220.7
Current Price₹181.5
52W Low₹134.3
Down from 52W High17.8 %
Face Value₹10
Performance
ROCE32.2 %
ROE5.36 %
EPS (TTM)₹3.11
EPS Prev Qtr₹3.32
EPS Last Year₹0.69
EBITDA Qtr₹1,358.1 Cr.
Book Value₹156
Financial Health
Debt/Equity0.57
Debt/Profit10.57
Total Assets₹2,11,123.72 Cr.
Dividend Yield0.83 %
Promoter Holding37.54 %
Earning Power2.63 %
Valuation
Stock P/E21.61
Industry P/E10.31
Price to Book1.16
Price to Sales1.34
Graham Number₹171.97
Key Metrics
Branches
1,988
Capital Adequacy % (Basel III)
18.15%
CASA %
29.4%
Employees
74,744
Face Value
₹10
Gross NPA %
3.15%
Net NPA %
0.93%
NIM %
6.2%
Provision Coverage %
71.1%
Total Advances
₹1,55,560 Cr
Total Deposits
₹1,64,890 Cr
About Bandhan Bank Ltd
Financial Services · Banks
Bandhan Bank Ltd is listed on NSE in the Financial Services / Banks sector. Face value ₹10. Market cap ₹29,241.07 Cr.
Price Chart
Strengths & Weaknesses
Strengths
- Capital Adequacy Ratio of 18.15% exceeds regulatory requirements, indicating strong capital position.
- Gross NPA at 3.15% and Net NPA at 0.93% reflect controlled asset quality.
- Net Interest Margin (NIM) of 6.2% shows healthy interest income generation.
- Provision Coverage Ratio of 71.1% suggests adequate reserves against potential defaults.
- Large branch network of 1,988 points to extensive market penetration.
- Substantial employee base of 74,744 supports operational capacity and customer service.
Weaknesses
- CASA ratio of 29.4% is relatively low, indicating potential liquidity and funding cost pressures.
- ROE of 5.36% is modest, suggesting room for improvement in return generation for shareholders.
- Dividend yield of 0.85% is low, offering limited income to investors.
Peer Comparison
| Name | CMP | P/E | Market Cap | Div Yield | NP Qtr | Qtr Profit Var% | Sales Qtr | Qtr Sales Var% | ROCE% | Debt/Eq |
|---|---|---|---|---|---|---|---|---|---|---|
| HDFC Bank Ltd | - | 13.99 | ₹11,07,124.43 Cr | 2.16% | ₹82,511.72 Cr | - | ₹3,51,818.61 Cr | - | 25.02% | 1 |
| ICICI Bank Ltd | - | 16.6 | ₹9,33,466.75 Cr | 0.92% | ₹59,489.34 Cr | - | ₹1,98,379.35 Cr | - | 28.81% | 0.61 |
| State Bank of India | - | 10.31 | ₹8,87,893.11 Cr | 1.8% | ₹88,120.87 Cr | - | ₹5,25,747.06 Cr | - | 31.79% | 1.3 |
| Kotak Mahindra Bank Ltd | - | 6.91 | ₹3,99,857.71 Cr | 0.16% | ₹20,238.55 Cr | - | ₹70,887.47 Cr | - | 20.7% | 0.53 |
| Axis Bank Ltd | - | 13.54 | ₹3,76,715.23 Cr | 0.08% | ₹27,890.16 Cr | - | ₹1,35,731.89 Cr | - | 22.33% | 1.31 |
| Union Bank of India | - | 6.35 | ₹1,31,145.34 Cr | 2.91% | ₹20,012.21 Cr | - | ₹1,07,127.36 Cr | - | 44.93% | 0.58 |
| Punjab National Bank | - | 5.87 | ₹1,29,295.61 Cr | 2.67% | ₹20,602.7 Cr | - | ₹1,31,788.93 Cr | - | 45.06% | 0.72 |
| Bank of Baroda | - | 6.49 | ₹1,17,855.34 Cr | 3.73% | ₹17,697.87 Cr | - | ₹1,36,546.33 Cr | - | 31.19% | 1.03 |
| Canara Bank | - | 5.52 | ₹1,09,664.17 Cr | 3.47% | ₹18,979.1 Cr | - | ₹1,27,805.38 Cr | - | 42.06% | 1.32 |
| Indian Bank | - | 8.47 | ₹1,08,282.43 Cr | 2.27% | ₹12,541.37 Cr | - | ₹69,314.13 Cr | - | 45.78% | 0.58 |
| IDBI Bank Ltd | - | 9.73 | ₹90,750.27 Cr | - | ₹9,318.15 Cr | - | ₹29,542.24 Cr | - | 28.56% | 0.41 |
| Federal Bank Ltd | - | 17.05 | ₹80,026.16 Cr | 0.37% | ₹4,834.22 Cr | - | ₹30,384.84 Cr | - | 33.62% | 0.86 |
| AU Small Finance Bank Ltd | - | 26.11 | ₹74,747.4 Cr | 0.1% | ₹2,856.35 Cr | - | ₹19,560.64 Cr | - | 149.65% | 3.56 |
| IndusInd Bank Ltd | - | 53.5 | ₹70,733.57 Cr | 0.17% | ₹1,322.16 Cr | - | ₹45,296.87 Cr | - | 26.82% | 0.65 |
| IDFC First Bank Ltd | - | 31 | ₹69,426.16 Cr | 0.31% | ₹2,304.91 Cr | - | ₹41,957.76 Cr | - | 26.68% | 0.77 |
| Yes Bank Ltd | - | 17.82 | ₹66,539.94 Cr | - | ₹3,775.15 Cr | - | ₹30,658.32 Cr | - | 21.74% | 1.28 |
| RBL Bank Ltd | - | 29.1 | ₹62,809.51 Cr | 0.25% | ₹899.06 Cr | - | ₹14,735.81 Cr | - | 27.86% | 1 |
| Bank of Maharashtra | - | 8.24 | ₹62,109.31 Cr | 2.72% | ₹7,448.08 Cr | - | ₹30,262.41 Cr | - | 35.86% | 1.06 |
| Indian Overseas Bank | - | 10.36 | ₹61,062.65 Cr | - | ₹5,757.71 Cr | - | ₹33,289.81 Cr | - | 29.78% | 1.4 |
| Bank of India | - | 5.04 | ₹59,389.55 Cr | 3.56% | ₹11,463.77 Cr | - | ₹77,243.58 Cr | - | 31.76% | 1.32 |
Quarterly Results
| Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|
| Sales | 5,353.83 | 5,431.24 | 5,428.43 | 5,630.55 |
| ↳ QoQ Growth | - | +1.4% | -0.1% | +3.7% |
| Expenses | 1,152.56 | 1,154.63 | 677.01 | 682.59 |
| Operating Profit | 1,310.35 | 1,445.01 | 1,441.16 | 1,358.1 |
| OPM % | 24.48% | 26.61% | 26.55% | 24.12% |
| Other Income | 546.44 | 691.01 | 770.69 | 603.83 |
| Interest | 2,765.27 | 2,742.94 | 2,632.84 | 2,709.97 |
| Depreciation | - | - | - | - |
| EBITDA | - | - | - | - |
| EBITDA Margin % | - | - | - | - |
| Profit Before Tax | 157.79 | 290.38 | 764.15 | 675.52 |
| Tax % | 29.1% | 29.2% | 30.1% | 25.74% |
| Net Profit | 111.87 | 205.59 | 534.14 | 501.67 |
| ↳ QoQ Growth | - | +83.8% | +159.8% | -6.1% |
| EPS | 0.69 | 1.28 | 3.32 | 3.11 |
Balance Sheet
| Mar 2025 | Mar 2026 | |
|---|---|---|
| Equity Capital | 1610.97 | 1610.9723 |
| Reserves | 22748.13 | 23645.344 |
| Borrowings | 11138.49 | 14302.813 |
| Other Liabilities | 155978.7 | 171564.6 |
| Total Liabilities | 191476.3 | 211123.72 |
| Fixed Assets | 1180.38 | 931.0163 |
| CWIP | - | 470.2792 |
| Investments | 40712.28 | 38668.28 |
| Other Assets | 149583.63 | 171054.16 |
| Total Assets | 191476.3 | 211123.72 |
Cash Flows
| Mar 2026 | |
|---|---|
| Cash from Operating Activity | 1142.5917 |
| Cash from Investing Activity | 316.556 |
| Cash from Financing Activity | 2922.687 |
| Net Cash Flow | 4381.835 |
Shareholding Pattern
| Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|
| Promoters % | 40.29% | 39.74% | 38.98% | 37.54% |
| FIIs % | 23.43% | 22.31% | 22.07% | 18.65% |
| DIIs % | 17.82% | 18.77% | 22.33% | 27.48% |
| Public % | 15.22% | 15.92% | 13.6% | 13.13% |
| No. of Shareholders | 7,69,192 | 7,67,136 | 7,11,284 | 6,64,000 |
Major Shareholders (>1%)
- Bandhan Financial Holdings LimitedPromoter and Promoter Group37.53%
- Sbi Balanced Advantage FundPublic Shareholding5.49%
- Life Insurance Corporation Of IndiaPublic Shareholding3.69%
- Kotak Mahindra Trustee Co Ltd A/c Kotak Multicap FundPublic Shareholding3.38%
As of 2026-06-30View all shareholders →