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Swing Capital

Bandhan Bank Ltd

NSE: BANDHANBNK BSE: 541153Banking

Incorporated in 2014, Bandhan Bank is a commercial bank focused on serving underbanked and underpenetrated markets in India. The company has a PAN-India presence and offers a wide range of banking products & services and asset & liability products and services designed for micro banking and general banking. [1][2]

₹190
52W: ₹134 — ₹213
PE 25 · Book ₹157 · +21% vs book
Market Cap₹30,552 Cr
Stock P/E25Price to Earnings
ROCE6.41%Return on Capital
ROE4.91%Return on Equity
Div. Yield0.79%Face Value ₹10

Strengths

  • +Stock is trading at 1.23 times its book value
  • +Company's working capital requirements have reduced from 89.4 days to 49.2 days

Weaknesses

  • −Company has low interest coverage ratio.
  • −Promoter holding has decreased over last quarter: -0.76%
  • −The company has delivered a poor sales growth of 11.6% over past five years.
  • −Company has a low return on equity of 9.03% over last 3 years.
  • −Contingent liabilities of Rs.16,769 Cr.
  • −Dividend payout has been low at 13.1% of profits over last 3 years

Shareholding Pattern

Promoters38.98%
FIIs22.07%
DIIs22.33%
Public16.55%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters39.98%39.98%39.98%39.98%40.92%▲0.940.29%▼0.639.74%▼0.538.98%▼0.8
FIIs28.25%26.73%▼1.523.23%▼3.522.73%▼0.524.34%▲1.623.44%▼0.922.32%▼1.122.07%▼0.3
DIIs15.06%16.33%▲1.315.41%▼0.916.36%▲0.916.52%▲0.217.82%▲1.318.76%▲0.922.33%▲3.6
Public16.63%16.89%▲0.321.32%▲4.420.86%▼0.518.14%▼2.718.39%▲0.319.11%▲0.716.55%▼2.6

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses2,0993,4962,1152,2943,2813,1442,9622,9773,0892,802
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit733551,063937426318372112206534
EPS ₹4.550.346.65.822.651.972.310.691.283.32

AI Insights

Revenue Trend

Mar 2026 revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Institutional Flow

DIIs: 22.33% (+9.93pp change). FIIs: 22.07% (-11.46pp change). Promoters hold 38.98%.

Margin & Efficiency

ROCE improving from 0% (Mar 2015) to 0% (Mar 2026). Working capital days: 0.

Valuation

PE 25x with 6.41% ROCE. Price is 21% above book value of ₹157. Dividend yield: 0.79%.

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