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Bandhan Bank Reviews

Kolkata, West Bengal

4.0/ 5

1 review

Bandhan Bank Limited is a prominent commercial bank in India, headquartered in Kolkata, West Bengal. Established originally as a non-governmental organization in 2001 by Chandra Shekhar Ghosh, the institution focused on financial inclusion, women empowerment, and microfinance operations in underbanked regions. Over the years, it transformed into a Non-Banking Financial Company (NBFC) in 2006 under Bandhan Financial Services Private Limited. In April 2014, it received in-principle approval from the Reserve Bank of India (RBI) for a banking license, and it commenced full-fledged operations as a universal bank on August 23, 2015. This milestone marked the first time in India that a microfinance institution successfully transitioned into a full-fledged commercial bank. The bank’s core operations are divided into several key business segments: Treasury, Retail Banking, Corporate and Wholesale Banking, and Other Banking Business. In its retail and microbanking verticals, Bandhan Bank specializes in providing a wide variety of personal and business banking products, such as savings and current accounts, fixed deposits, and recurring deposits. It offers various loan products, including home loans, micro-loans, personal loans, vehicle financing, gold loans, and specialized loans for small, medium, and large enterprises. The bank also distributes third-party financial products like mutual funds and provides comprehensive life, health, travel, and home insurance options. Bandhan Bank has a powerful presence across India, operating in 35 out of 36 states and union territories. It manages an extensive network of nearly 6,350 banking outlets, which includes over 1,500 branches and hundreds of voice-guidance and Braille-enabled ATMs. To further modern infrastructure and reach tech-savvy consumers, the bank has aggressively expanded its digital banking services, mobile banking platforms, and internet banking infrastructure, alongside offering traditional doorstep banking options. True to its roots in financial inclusion, approximately 73% of the bank's branches are strategically located in rural and semi-urban markets to serve underpenetrated communities. Financially, Bandhan Bank is publicly listed on both the National Stock Exchange (NSE) and the Bombay Stock Exchange (BSE) under the ticker BANDHANBNK. As of March 31, 2026, the bank has mobilized total deposits of INR 1,66,344 crore, with its total advances standing at INR 1,54,233 crore. Its major promoter is Bandhan Financial Holdings Limited, which holds an approximate 40% equity stake in the bank. Under the current leadership of Managing Director and CEO Partha Pratim Sengupta, alongside Executive Directors Ratan Kumar Kesh and Rajinder Kumar Babbar, Bandhan Bank continues to balance its strong microfinance heritage with diversification into secured retail lending and robust corporate governance.