Operates as a private sector commercial bank that takes deposits and lends across retail, microfinance, wholesale and treasury operations, with retail banking accounting for 81.8% of segment revenue for the nine months ending December 2024. As of Q1FY27, gross advances stood at ₹1.56 lakh crore (up 16% YoY) and deposits at ₹1.65 lakh crore (up 7% YoY), with a CASA ratio of 29.4% and retail deposits making up roughly 74% of total deposits. Retail Banking is the largest revenue contributor, while the bank also runs an Emerging Entrepreneurs Business (EEB) microfinance book whose share of advances has been deliberately capped around 33–35%, with secured loans at about 57% of advances and the non-EEB book at roughly two-thirds of total advances. Treasury generated 9.2% of segment revenue and Wholesale Banking 7.8%, with the latter producing only ₹26.5 crore of EBIT in the period. The bank runs 1,955 branches plus 4,400 EEB banking units (totalling 6,388 outlets as of Q1FY27) and serves about 31.8 million customers across 35 states, with gross NPA at 3.1%, net NPA at 0.9%, NIM at 6.2% and capital adequacy at 18.2%. The principal input cost is the interest paid on deposits and borrowings, with management flagging that cost of funds has risen 20–25 basis points quarter-on-quarter. AR · MarketPing reader · 2026-08-02
Revenue streams, as the annual report describes them. Retail Banking (82%), Treasury (9%), Wholesale Banking (8%), Other Banking Operations (1%). Asset-heavy, retail-deposit-led private sector bank with a meaningful microfinance (EEB) book and high CASA focus
| ₹ crore · consolidated | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| EBITDA (ex other income) | — | — | — | — | — |
| margin % | — | — | — | — | — |
| Owners' profit | 126 | 2,195 | 2,230 | 2,745 | 1,224 |
| EPS, as reported (₹) | 0.78 | 13.62 | 13.84 | 17.04 | 7.60 |
| ROE % · ROCE % | — · — | — · — | — · — | — · — | — · — |
| Debt / equity (x) | — | — | — | — | — |
| Cash from operations | 902 | (4,245) | 14,808 | 2,752 | 1,143 |
| Capex | — | — | — | — | — |
| ₹ crore | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Profit before tax | 1,249 | 645 | 311 | 521 | 158 | 290 | 764 | 676 |
| Net profit | 937 | 426 | 318 | 372 | 112 | 206 | 534 | 502 |
| EPS (₹) | 5.82 | 2.65 | 1.97 | 2.31 | 0.69 | 1.28 | 3.32 | 3.11 |
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| HDFC BANK LTD | 10,90,797 | 13.8 | — | — | — | — | — | — |
| ICICI BANK LTD. | 9,89,606 | 17.6 | — | — | — | — | — | — |
| KOTAK MAHINDRA BANK LTD | 4,16,767 | 10.9 | — | — | — | — | — | — |
| AXIS BANK LIMITED | 3,87,606 | 13.9 | — | — | — | — | — | — |
| IDBI BANK LIMITED |
| Date · filing | Category | Importance | 1-day % | 5-day % |
|---|---|---|---|---|
| 11 Sept 2026 · Bandhan Bank update on UBS India Summit 2026 analysts meet | investor communications | low | — | — |
| 10 Sept 2026 · Bandhan Bank to meet analysts at Jefferies and J.P. Morgan conferences | board shareholder meetings | low | — | — |
| 9 Sept 2026 · Bandhan Bank allots 35,768 shares under ESOP Series 1 | capital market events | low | — | — |
| 8 Sept 2026 · Bandhan Bank to attend UBS India Summit 2026 on Sept 11 | board shareholder meetings | low | — | — |
| 8 Sept 2026 · Bandhan Bank clarifies on credit card launch news, no undisclosed info | business updates | medium | — | — |
| 8 Sept 2026 · Exchange seeks clarification on credit cards news | regulatory legal | medium | — | — |
| 7 Sept 2026 · Bandhan Bank gets Crisil ESG rating of 69, rated Strong for FY26 | general | medium | — | — |
| 5 Sept 2026 · Bandhan Bank grants 1.05 crore ESOPs at Rs 164.95 each | capital market events | medium | — | — |
| 5 Sept 2026 · Bandhan Bank board approves senior management re-appointments and new CIV | management changes | high | — | — |
| 1 Sept 2026 · Bandhan Bank meets institutional investors at Goldman Sachs Asia Leaders Conference 2026 | investor communications | low | — | — |
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) |
| 89,836 |
| 9.6 |
| — |
| — |
| — |
| — |
| — |
| — |
| FEDERAL BANK LTD | 85,024 | 18.1 | — | — | — | — | — | — |
| INDUSIND BANK LIMITED | 76,215 | 57.6 | — | — | — | — | — | — |
| IDFC FIRST BANK LIMITED | 74,268 | 33.2 | — | — | — | — | — | — |
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 21.0 | 12.4 | 17 of 20 | 16% |
| Profit growth | 34.9 | 29.5 | 9 of 20 | 58% |
| Market cap | 28439 | 48154 | 12 of 20 | 42% |
| A state: the latest filed quarter and the measured reactions |
| an event is a fact; a rating is an opinion that requires SEBI RA registration |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
This document is a statistical summary of publicly filed information and market data, prepared by software from primary sources: SEBI results XBRL filed with BSE and NSE, LODR disclosures, shareholding patterns, exchange price data. It contains no research recommendation, no price target and no opinion on the merits of any security, and is not a research report within the meaning of the SEBI (Research Analysts) Regulations, 2014, Regulation 2(1)(w)(vii). Financial statements are as filed (consolidated where the company files consolidated results). Ratios are computed over filed lines. Where a figure is unavailable the table shows a dash rather than an estimate. The business brief is written by MarketPing's reader from the annual report and checked against it; no figure in a table was generated by a model. Nothing here constitutes investment advice, an offer or a solicitation; readers should consult a SEBI-registered adviser before acting. MarketPing is not a SEBI-registered intermediary.
