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Bandhan Bank Ltd

BANDHANBNK

Bandhan Bank Ltd

BANDHANBNK
FinancialsPrivate Banks
SmallcapWith a market cap of ₹27,238 cr, stock is ranked 281
Moderate RiskStock is 2.97x as volatile as Nifty
175.272.62% (+4.48)
175.272.62% (+4.48)

Price Chart

High
Low
Returns
1D
1W
1M
1Y
5Y
Max
SIP
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1D
1W
1M
1Y
5Y
Max
SIP
FinancialsPrivate Banks
SmallcapWith a market cap of ₹27,238 cr, stock is ranked 281
Moderate RiskStock is 2.97x as volatile as Nifty
Scorecard

Performance

Low

Hasn't fared well - amongst the low performers

Valuation

Avg

Can be considered moderately valued vs the market

Growth

Low

Lagging behind the market in financials growth

Profitability

High

Showing good signs of profitability & efficiency

Entry point

Good

The stock is underpriced and is not in the overbought zone

Red flags

Low

No red flag found

How to use scorecard? Learn more

FinancialsPrivate Banks
SmallcapWith a market cap of ₹27,238 cr, stock is ranked 281
Moderate RiskStock is 2.97x as volatile as Nifty

Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
9.771.260.89%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
17.902.480.97%

Forecast & Ratings

Detailed Forecast 
64%
Analysts have suggested that investors can buy this stock

from 22 analysts

Price

Price Upside

Earnings

Earnings Growth

Revenue

Rev. Growth

See Detailed Forecast

Company Profile

Bandhan Bank is a commercial bank, which offers a variety of asset and liability products and services designed for micro banking and general banking, as well as other banking products and services

Investor Presentation

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Oct 25, 2024

PDF
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Forecasts

Price

Revenue

Earnings

Income

Balance Sheet

Cash Flow

Income Statement

Industry refers to the sub-sector this company belongs to.

Higher than Industry Revenue Growth

A higher-than-industry revenue growth represents increased potential for the company to increase their market share

Over the last 5 years, revenue has grown at a yearly rate of 22.24%, vs industry avg of 16.68%

Increasing Market Share

Market share is the percentage of an industry's total sales going to a particular company. It gives a general idea of the size of a company v/s its competitors

Over the last 5 years, market share increased from 1.42% to 1.78%

Lower than Industry Net Income

Net income is equal to net earnings (profit) less expenses. This number is an important measure of how profitable the company is

Over the last 5 years, net income has grown at a yearly rate of 2.7%, vs industry avg of 43.24%

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Financial YearFY 2016FY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024TTM
Total Revenue1,731.254,320.125,508.487,706.4212,434.6914,546.4616,694.0718,373.2521,034.2723,251.95
Raw Materialssubtract19,549.73
Power & Fuel Costsubtract
Employee Costsubtract325.08545.57687.981,008.691,367.041,664.632,134.882,715.073,542.92
Selling & Administrative Expensessubtract135.89181.46239.64305.28422.85472.54552.21691.70786.36
Operating & Other expensessubtract821.021,821.772,439.053,301.226,511.139,357.5713,768.3011,930.8513,524.50
Depreciation/Amortizationsubtract35.7766.8585.9278.1780.26103.06110.04142.65237.58
Interest & Other Itemssubtract
Taxes & Other Itemssubtract138.26592.52710.341,061.551,029.68743.202.83698.34713.35913.95
EPS3.4510.1511.7616.3621.5713.690.7813.6213.8417.31
DPS0.000.001.003.000.001.000.001.501.501.50
Payout ratio0.000.000.090.180.000.070.000.110.110.09

Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2018

Annual report

PDF

Investor Presentation

Apr 27PDF
FY 2019

Annual report

PDF

Investor Presentation

May 2PDF
Jan 10PDF
FY 2020

Annual report

PDF

Investor Presentation

Jan 14PDF
FY 2022

Annual report

PDF

Investor Presentation

Oct 29PDF
FY 2023

Annual report

PDF

Investor Presentation

May 19PDF
Oct 28PDF
FY 2024

Annual report

PDF

Investor Presentation

Jul 14PDF
FY 2025

Annual Report Pending

Investor Presentation

Oct 25PDF
 

Peers & Comparison

Comparing 3 stocks from 
FinancialsPrivate Banks

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
Bandhan Bank Ltd12.221.260.89%
HDFC Bank Ltd21.432.921.08%
ICICI Bank Ltd20.733.400.77%
Axis Bank Ltd13.332.230.09%

Price Comparison

Compare BANDHANBNK with any stock or ETF
Compare BANDHANBNK with any stock or ETF
BANDHANBNK
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Shareholdings

Promoter Holdings Trend

Total Promoter Holding

Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has almost stayed constant

Low Pledged Promoter Holding

Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

Institutional Holdings Trend

Total Retail Holding

Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has almost stayed constant

Decreased Foreign Institutional Holding

Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has decreased by 1.52%

Tickertape Separator

Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding39.98%9.39%6.95%26.73%16.95%

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Shareholding History

JunSepDec '23MarJunSep33.53%32.77%34.74%31.19%28.25%26.73%

Mutual Funds Holding Trend

Increased Mutual Fund Holding

Increasing Mutual Fund holdings are generally considered good, as it reflects that fund managers are becoming more bullish about the stock

In last 3 months, mutual fund holding of the company has increased by 1.59%

Top 5 Mutual Funds holding Bandhan Bank Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
Tata Large & Mid Cap Fund - Growth - Direct Plan

Growth
0.5887%1.91%-0.13%20/58 (-1)
Aditya Birla Sun Life Frontline Equity Fund - Growth - Direct Plan

Growth
0.5827%0.54%-0.29%65/98 (-8)
HDFC Large and Mid Cap Fund - Growth - Direct Plan

Growth
0.5529%0.64%-0.14%48/208 (+50)

Compare 3-month MF holding change on Screener

Insider Trades & Bulk Deals

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smallcases

Looks like this stock is not in any smallcase yet.

Events

Dividend Trend

No dividend trend available

Dividends

Corp. Actions

Announcements

Legal Orders

Upcoming Dividends

No upcoming dividends are available

Past Dividends

Cash Dividend

Ex DateEx DateAug 13, 2024

Final
Final | Div/Share: ₹1.50

Dividend/Share

1.50

Ex DateEx Date

Aug 13, 2024

Cash Dividend

Ex DateEx DateAug 11, 2023

Final
Final | Div/Share: ₹1.50

Dividend/Share

1.50

Ex DateEx Date

Aug 11, 2023

Cash Dividend

Ex DateEx DateJul 29, 2021

Final
Final | Div/Share: ₹1.00

Dividend/Share

1.00

Ex DateEx Date

Jul 29, 2021

Cash Dividend

Ex DateEx DateJun 20, 2019

Final
Final | Div/Share: ₹3.00

Dividend/Share

3.00

Ex DateEx Date

Jun 20, 2019

Cash Dividend

Ex DateEx DateJul 12, 2018

Final
Final | Div/Share: ₹1.00

Dividend/Share

1.00

Ex DateEx Date

Jul 12, 2018

News & Opinions
Spotlight
Bandhan Bank Ltd drops for fifth straight session

Bandhan Bank Ltd fell for a fifth straight session today. The stock is quoting at Rs 165.88, down 3.89% on the day as on 12:59 IST on the NSE. The benchmark NIFTY is down around 0.94% on the day, quoting at 23659.1. The Sensex is at 78007.07, down 0.85%.Bandhan Bank Ltd has eased around 17.08% in last one month.Meanwhile, Nifty Private Bank index of which Bandhan Bank Ltd is a constituent, has eased around 4.24% in last one month and is currently quoting at 25036, down 0.88% on the day. The volume in the stock stood at 83.43 lakh shares today, compared to the daily average of 141.51 lakh shares in last one month. The benchmark November futures contract for the stock is quoting at Rs 166.2, down 3.82% on the day. Bandhan Bank Ltd tumbled 25.31% in last one year as compared to a 20.25% rally in NIFTY and a 7.84% spurt in the Nifty Private Bank index.The PE of the stock is 9.97 based on TTM earnings ending September 24.Powered by Capital Market - Live

2 weeks agoCapital Market - Live
Spotlight
Bandhan Bank's Partha Sengupta takes charge as MD & CEO

Ratan Kumar Kesh, who was presiding as the interim MD & CEO of Bandhan Bank since 10 July 2024, will resume his role as the executive director and chief operating officer, with the joining of Sengupta. Sengupta has successfully led large businesses with a proven expertise in various domains including business, credit, and technology. He is a seasoned banking professional with nearly 40 years of experience, has led large-scale operations across diverse geographies. From 2020 to 2022, he was the MD & CEO of Indian Overseas Bank, where he successfully transformed the business across various verticals. He has spent over three decades in key roles at the State Bank of India, including being the DMD & chief credit officer. He has also held non-executive director roles with entities like YES Bank, ARCIL, Universal Sompo, and Unity Small Finance Bank. Anup Kumar Sinha, chairman, Bandhan Bank, said, 'We are delighted to welcome Partha Pratim Sengupta as the managing director & CEO of Bandhan Bank. His proven track record in the industry will be instrumental in steering Bandhan Bank into its next phase of growth'Bandhan 2.0. His expertise will guide the Bank in strengthening its market position across the country and truly be a Bank for all.' Partha Pratim Sengupta, MD & CEO of Bandhan Bank, said, 'I am honoured to join the Bandhan Bank family. My focus will be on advancing customer-centric solutions, strengthening the business, and fostering innovation to make financial services inclusive and sustainable. The team at Bandhan Bank has done a stellar job over the years and I look forward to working with them to drive growth and deliver value for all stakeholders.' Bandhan Bank operates as a commercial bank. The bank's distribution network spans nearly 6,300 outlets. The bank added 7 lakh customers, during the quarter and current customers stand at over 3.50 crore customers. The bank currently has nearly 80,000 employees. The counter rose 0.77% to end at Rs 183.65 on 1 November 2024. Powered by Capital Market - Live

1 month agoCapital Market - Live
Live Market Update
Nifty scale above 24,450; Metal shares shine; VIX slides 2.20%

The frontline indices traded with major gains in early afternoon trade. The Nifty traded above the 24,450 mark after hitting the day's low of 24,134.90 in morning trade. Metal shares advanced after declining in past five consecutive trading sessions. At 12:30 IST, the barometer index, the S&P BSE Sensex surged 1,094.86 points or 1.38% to 80,484.97. The Nifty 50 index jumped 298.20 points or 1.23% to 24,479. In the broader market, the S&P BSE Mid-Cap index gained 0.80% and the S&P BSE Small-Cap index rose 1.19%. The market breadth was strong. On the BSE, 2,571 shares rose and 1,264 shares fell. A total of 192 shares were unchanged. Derivatives: The NSE's India VIX, a gauge of the market's expectation of volatility over the near term, slipped 2.20% to 14.31. The Nifty 31 October 2024 futures were trading at 24,460.05, at a discount of 18.95 points as compared with the spot at 24,479 The Nifty option chain for the 31 October 2024 expiry showed maximum Call OI of 97.1 lakh contracts at the 25,000 strike price. Maximum Put OI of 82.4 lakh contracts were seen at 24,000 strike price. Buzzing Index: The Nifty Metal index jumped 2.50% to 9,275.05. The index tumbled 7.22% in past five consecutive trading sessions. Hindustan Copper (up 5.65%), NMDC (up 4.59%), Adani Enterprises (up 3.88%), Welspun Corp (up 3.28%), Hindustan Zinc (up 3.23%), Vedanta (up 3.1%), JSW Steel (up 2.55%), Steel Authority of India (up 2.38%), National Aluminium Company (up 2.37%) and Hindalco Industries (up 2.22%) advanced. Stocks in Spotlight : Bandhan Bank soared 9.15% after the bank reported 29.99% growth in standalone net profit to Rs 937.44 crore on 21.11% rise in total income to Rs 6,094.53 crore in Q2 FY25 over Q2 FY24. Balkrishna Industries advanced 2.40% after the company reported 4.24% increase in standalone net profit to Rs 349.60 core on 9.45% rise in revenue from operations to Rs 2,436.19 crore in Q2 FY25 over Q2 FY24. Titagarh Rail Systems (TSRL) added 1.17% after its standalone net profit jumped 20.07% to Rs 85.12 crore in Q2 FY25 as against to Rs 70.89 crore posted in Q2 FY24. Revenue from operations increased by 12.98% to Rs 1,056.95 crore in the second quarter of FY25, compared to Rs 935.45 crore recorded in the corresponding quarter of the previous year. Powered by Capital Market - Live

1 month agoCapital Market - Live
Spotlight
Bandhan Bank surges after Q2 PAT jumps 30% YoY to Rs 937 cr

Operating profit jumped 17% to Rs 1,855 crore in Q2 FY25 as against Rs 1,583 crore posted in Q2 FY24. Net interest income (NII) grew by 21% year on year (YoY) to Rs 2,948 crore in Q2 FY25. Net interest margin (NIM) improved to 7.4% in Q2 FY25 as compared to 7.2% reported in Q2 FY24. The provisions (other than tax) & contingencies stood at Rs 606 crore in Q2 FY25, registering de-growth of 4.70% YoY as compared to Rs 636.15 crore in Q2 FY24. As of September 30, 2024, total deposits stood at Rs 1.43 lakh crore as against Rs 1.12 lakh crore in the previous year, registering a growth of 27% YoY. The cost-to-income ratio was at 47.6% in Q2 FY25. CASA deposits stood at Rs 47,283 crore and CASA Ratio stood at 33.2%. As of September 30, 2024, Gross Advances stood at Rs.1.31 lakh crore, up 21% as against Rs.1.08 lakh crore in the same quarter previous year. On a YoY basis, retail book (other than housing) grew 92%, commercial banking grew 40%, emerging entrepreneurs business (EEB) grew 11% and the housing book (excluding IBPC) showed a growth of 17%. On the asset quality front, the bank's gross non-performing assets (GNPA) improved to 4.7% in Q2 FY25 compared to 7.3% in Q2 FY24. The collection efficiency for EEB loans was marginally lower at 98.1% for Q2 FY25. Gross NPA ratio reduced to 4.7% in Q2 FY25 from 7.3% in Q2 FY24. Net NPA ratio stood at 1.3% as on 30 September 2024 as against with Rs 2.3% as on 30 September 2023. The provision coverage ratio as of 30 September 2024 was at 73.5%. As of 30 June 2024, the Bank's capital adequacy ratio stood at 15.6% as against a regulatory requirement of 11.5%. The bank's distribution network spans nearly 6,300 outlets. It added 7 lakh customers, during the quarter. On half year basis, the bank's net profit jumped 38.73% to Rs 2,000.90 crore on 22.31% rise in total income to Rs 1,2157.88 crore in H1 FY25 over H1 FY24. Ratan Kumar Kesh, MD & CEO, said, Bandhan Bank's strong performance in the second quarter reflects the momentum in quality growth with our focus on effective risk management and compliance. Our success is anchored in the trust of our customers and the dedication of our employees. By focusing on innovation in technology, refining our processes, and enhancing products and people capabilities, we are well-positioned to drive the next phase of growth for Bandhan Bank 2.0. Bandhan Bank operates as a commercial bank. The bank's distribution network spans nearly 6,300 outlets. The bank added 7 lakh customers, during the quarter and current customers stand at over 3.50 crore customers. The bank currently has nearly 80,000 employees.Powered by Capital Market - Live

1 month agoCapital Market - Live
Spotlight
Bandhan Bank Q2 PAT jumps 30% to Rs 937 cr

Total income grew by 21.11% to Rs 6,094.53 crore in the second quarter of FY25 from Rs 5,032.18 crore posted in Q2 FY24. Operating profit jumped 17% to Rs 1,855 crore in Q2 FY25 as against Rs 1,583 crore posted in Q2 FY24. Net interest income (NII) grew by 21% year on year (YoY) to Rs 2,948 crore in Q2 FY25. Net interest margin (NIM) improved to 7.4% in Q2 FY25 as compared to 7.2% reported in Q2 FY24. The provisions (other than tax) & contingencies stood at Rs 606 crore in Q2 FY25, registering de-growth of 4.70% YoY as compared to Rs 636.15 crore in Q2 FY24. As of September 30, 2024, total deposits stood at Rs 1.43 lakh crore as against Rs 1.12 lakh crore in the previous year, registering a growth of 27% YoY. The cost-to-income ratio was at 47.6% in Q2 FY25. CASA deposits stood at Rs 47,283 crore and CASA Ratio stood at 33.2%. As of September 30, 2024, Gross Advances stood at Rs.1.31 lakh crore, up 21% as against Rs.1.08 lakh crore in the same quarter previous year. On a YoY basis, retail book (other than housing) grew 92%, commercial banking grew 40%, emerging entrepreneurs business (EEB) grew 11% and the housing book (excluding IBPC) showed a growth of 17%. On the asset quality front, The bank's gross non-performing assets (GNPA) improved to 4.7% in Q2 FY25 compared to 7.3% in Q2 FY24. The collection efficiency for EEB loans was marginally lower at 98.1% for Q2 FY25. Gross NPA ratio reduced to 4.7% in Q2 FY25 from 7.3% in Q2 FY24. Net NPA ratio stood at 1.3% as on 30 September 2024 as against with Rs 2.3% as on 30 September 2023. The provision coverage ratio as of 30 September 2024 was at 73.5%. As of 30 June 2024, the Bank's capital adequacy ratio stood at 15.6% as against a regulatory requirement of 11.5%. The bank's distribution network spans nearly 6,300 outlets. It added 7 lakh customers, during the quarter. On half year basis, the bank's net profit jumped 38.73% to Rs 2,000.90 crore on 22.31% rise in total income to Rs 1,2157.88 crore in H1 FY25 over H1 FY24. Ratan Kumar Kesh, MD & CEO, said, Bandhan Bank's strong performance in the second quarter reflects the momentum in quality growth with our focus on effective risk management and compliance. Our success is anchored in the trust of our customers and the dedication of our employees. By focusing on innovation in technology, refining our processes, and enhancing products and people capabilities, we are well-positioned to drive the next phase of growth for Bandhan Bank 2.0. Bandhan Bank operates as a commercial bank. The bank's distribution network spans nearly 6,300 outlets. The bank added 7 lakh customers, during the quarter and current customers stand at over 3.50 crore customers. The bank currently has nearly 80,000 employees. Shares of Bandhan Bank tumbled 6.84% end at Rs 168.30 on the BSE.Powered by Capital Market - Live

1 month agoCapital Market - Live
Earnings
Bandhan Bank standalone net profit rises 29.99% in the September 2024 quarter

Net profit of Bandhan Bank rose 29.99% to Rs 937.45 crore in the quarter ended September 2024 as against Rs 721.17 crore during the previous quarter ended September 2023. Total Operating Income rose 22.44% to Rs 5499.81 crore in the quarter ended September 2024 as against Rs 4491.93 crore during the previous quarter ended September 2023. ParticularsQuarter EndedSep. 2024Sep. 2023% Var. Total Operating Income5499.814491.93 22 OPM %58.2954.67 - PBDT1248.86947.25 32 PBT1248.86947.25 32 NP937.45721.17 30 Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Bandhan Bank appoints Partha Pratim Sengupta as MD and CEO

The Board of Bandhan Bank at its meeting held on 25 October 2024 has approved the appointment of Partha Pratim Sengupta (DIN: 08273324) as the Managing Director & Chief Executive Officer ('MD&CEO') of the Bank, for a period of three years, with effect from 01 November 2024. Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Bandhan Bank announces change in senior management

Bandhan Bank has appointed Sureshkumar S Pillai, as Head - Legal of the Bank, with immediate effect. The current Head - Legal of the Bank, i.e., Jagannadha Rao Suvvari has been assigned a new strategic role as Head - Legal Recovery & Litigation of the Bank and will report to Pillai.Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Bandhan Bank to hold board meeting

Bandhan Bank will hold a meeting of the Board of Directors of the Company on 25 October 2024.Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Bandhan Bank allots 200 equity shares under ESOP

Bandhan Bank has allotted 200 equity shares under ESOP on 14 October 2024. Post allotment, the issued and paid-up equity share capital of the Bank stands increased from Rs. 16,10,97,11,250/- comprising of 1,61,09,71,125 equity shares of Rs.10/- each fully paid-up to Rs. 16,10,97,13,250/- comprising of 1,61,09,71,325 equity shares of Rs.10/- each fully paidup.Powered by Capital Market - Live

1 month agoCapital Market - Live