Bandhan Bank Limited is a leading Indian private sector universal bank with a strong focus on financial inclusion and serving the unbanked population. Founded in the early 2000s as a microfinance initiative to provide loans to marginalised communities, it received a universal banking licence from the RBI in the year 2015, commencing full banking operations in August that year. Bandhan is the first microfinance institution in India to get a universal banking licence from the RBI.
Bandhan Bank – Quick Overview
| Particular | Details |
|---|---|
| Bank Name | Bandhan Bank Limited |
| Type | Private Sector Bank |
| Founded | 23 August 2015 |
| Founder | Chandra Shekhar Ghosh |
| Headquarters | Kolkata, West Bengal |
| MD & CEO | Partha Pratim Sengupta |
| Chairman | Anup Kumar Sinha |
| Regulator | Reserve Bank of India (RBI) |
| Services | Savings & Current Accounts, FD, RD, Loans, Digital Banking |
| Branch Network | 6,300+ branches & outlets |
| Customer Base | 3+ crore customers |
| Total Deposits | Approx. ₹1.5 lakh crore |
| Total Advances | Approx. ₹1.37 lakh crore |
| CASA Ratio | Around 31% |
| Bank Type Focus | Retail & Microfinance Banking |
| Official Website | bandhanbank.com |
Net Worth and Market Cap
Bandhan Bank’s net worth stood at around INR 25,978 crore in March 2025. Its market capitalisation is approximately INR 23,000 crore, as of January 2026.
Corporate Leadership
Partha Pratim Sengupta is the CEO and MD of Bandhan Bank. The founder, Chandra Shekhar Ghosh, retired from the posts of CEO and MD in July 2024. Ratan Kumar Kesh is the Chief Operating Officer and Executive Director.
Overview of Services
Bandhan Bank offers a comprehensive suite of services catering to individuals, businesses, corporates, SMEs and NRIs. The bank’s offerings can be broadly divided into personal banking, business banking, micro banking, NRI banking and supporting digital and other services.
Personal banking products include savings accounts, current accounts, salary accounts, fixed deposits, recurring deposits, NRE/NRO accounts for NRIs, home loans, gold loans, personal loans, vehicle loans, debit cards, credit cards, life insurance through Bandhan Life, money transfers and bill payments.
Business banking products are tailored for businesses of all sizes across sectors. These include but not limited to business current accounts, corporate salary accounts, institutional accounts for trusts and NGOs, working capital loans, business loans, cash management, trade finance and money transfer solutions.
Micro Banking is Bandhan’s legacy area, focused on financial inclusion. The bank offers a number of micro banking products and services, including group loans, micro loans and doorstep banking and services in rural and semi-urban areas.
Bandhan Bank’s dedicated mBandhan mobile app integrates a number of functions, such as fund transfers, bill payments, balance checks, loan management and more. Other digital banking services include net banking, WhatsApp banking, UPI-based loan repayments and QR code collections.
Scale of Operations
Bandhan Bank has its head office in Kolkata, West Bengal, India. The bank is present in 35 of 36 states and union territories of India. It operates through a network of around 6350 banking outlets, as of March 2025.
Bandhan Bank started operations with 2523 banking outlets, 501 branches and 50 ATMs on 23rd August 2015. It achieved the milestone of 1000 branches and 4000 banking outlets in the year 2020.
