BANDHANBNK
Bandhan Bank Limited (BANDHANBNK) Stock Analysis
Bandhan Bank Limited is an Indian private bank with roots in microfinance serving eastern and pan-India markets. It offers loans, deposits, and banking services to retail and commercial customers after converting from an MFI. The bank has a strong presence in underserved segments. It is a listed large-cap banking stock.
Financial Services › Banks - Regional
₹172.00
+4.78% 1W | -3.40% 52W
Market Cap
27.7k CR
P/E Ratio
20.5
52W High
₹220.8
52W Low
₹134.2
Div. Yield
0.95%
Beta
0.8
50 DMA
₹172.7
200 DMA
₹177.5
Profit Margin
13.6%
Inst. Own.
39.7%
⚡ APPROACHING SUPPORT
⚠️ BREAKDOWN
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 4,523 | 4,492 | 4,665 | 5,189 | 5,536 | 5,500 | 5,479 | 5,434 | 5,476 | 5,354 | 5,431 | 5,428 | 5,631 |
| Interest | 2,032 | 2,049 | 2,140 | 2,330 | 2,531 | 2,566 | 2,664 | 2,678 | 2,718 | 2,765 | 2,743 | 2,633 | 2,710 |
| Expenses | 1,916 | 2,036 | 2,099 | 3,496 | 2,115 | 2,294 | 3,281 | 3,144 | 2,962 | 2,977 | 3,089 | 2,802 | 2,849 |
| Financing Profit | 575 | 407 | 426 | -637 | 890 | 640 | -466 | -388 | -204 | -389 | -401 | -7 | 72 |
| Financing Margin % | 13% | 9% | 9% | -12% | 16% | 12% | -9% | -7% | -4% | -7% | -7% | -0% | 1% |
| Other Income | 385 | 540 | 545 | 701 | 528 | 609 | 1,112 | 700 | 726 | 546 | 691 | 771 | 604 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 960 | 947 | 971 | 64 | 1,418 | 1,249 | 645 | 311 | 521 | 158 | 290 | 764 | 676 |
| Tax % | 25% | 24% | 25% | 15% | 25% | 25% | 34% | -2% | 29% | 29% | 29% | 30% | 26% |
| Net Profit | 721 | 721 | 733 | 55 | 1,063 | 937 | 426 | 318 | 372 | 112 | 206 | 534 | 502 |
| EPS in Rs | 4.48 | 4.48 | 4.55 | 0.34 | 6.60 | 5.82 | 2.65 | 1.97 | 2.31 | 0.69 | 1.28 | 3.32 | 3.11 |
| Gross NPA % | 6.76% | 7.32% | 7.02% | 3.84% | 4.23% | 4.68% | 4.68% | 4.71% | 4.96% | 5.02% | 3.33% | 3.27% | 3.15% |
| Net NPA % | 2.18% | 2.32% | 2.21% | 1.11% | 1.15% | 1.29% | 1.28% | 1.28% | 1.36% | 1.37% | 0.99% | 0.97% | 0.93% |
| Metric | Mar 20154m | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 0 | 1,581 | 3,909 | 4,802 | 6,643 | 10,885 | 12,524 | 13,871 | 15,905 | 18,870 | 21,948 | 21,689 | 21,844 |
| Interest | 0 | 649 | 1,505 | 1,770 | 2,148 | 4,562 | 4,961 | 5,157 | 6,645 | 8,551 | 10,458 | 10,859 | 10,851 |
| Expenses | 6 | 633 | 1,044 | 1,597 | 2,467 | 3,739 | 6,534 | 11,298 | 8,693 | 9,310 | 10,555 | 11,526 | 11,717 |
| Financing Profit | -6 | 299 | 1,360 | 1,436 | 2,028 | 2,584 | 1,029 | -2,584 | 567 | 1,009 | 936 | -696 | -724 |
| Financing Margin % | 19% | 35% | 30% | 31% | 24% | 8% | -19% | 4% | 5% | 4% | -3% | -3% | |
| Other Income | 8 | 150 | 411 | 706 | 1,063 | 1,549 | 2,022 | 2,823 | 2,469 | 2,171 | 2,967 | 2,734 | 2,612 |
| Depreciation | 0 | 36 | 67 | 86 | 78 | 80 | 103 | 110 | 143 | 238 | 279 | 304 | 0 |
| Profit before tax | 2 | 414 | 1,704 | 2,056 | 3,013 | 4,053 | 2,949 | 129 | 2,893 | 2,943 | 3,623 | 1,734 | 1,888 |
| Tax % | 75% | 33% | 35% | 35% | 35% | 25% | 25% | 2% | 24% | 24% | 24% | 29% | |
| Net Profit | 1 | 275 | 1,112 | 1,346 | 1,952 | 3,024 | 2,205 | 126 | 2,195 | 2,230 | 2,745 | 1,224 | 1,353 |
| EPS in Rs | 0.01 | 2.51 | 10.15 | 11.28 | 16.36 | 18.78 | 13.69 | 0.78 | 13.62 | 13.84 | 17.04 | 7.60 | 8.40 |
| Dividend Payout % | 0% | 0% | 0% | 9% | 18% | 0% | 7% | 0% | 11% | 11% | 9% | 20% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 11.0% | 12.0% | 30.0% |
| Profit CAGR | -18.0% | -11.0% | 16.0% |
Shareholding Pattern
Promoters40.92%
FIIs24.34%
DIIs16.52%
Public18.14%
Promoters40.29%
FIIs23.44%
DIIs17.82%
Public18.39%
Promoters39.74%
FIIs22.32%
DIIs18.76%
Public19.11%
Promoters38.98%
FIIs22.07%
DIIs22.33%
Public16.55%
Promoters37.54%
FIIs18.64%
DIIs27.47%
Public16.26%
Promoters39.99%
FIIs31.93%
DIIs13.24%
Public14.77%
Promoters39.98%
FIIs31.20%
DIIs12.42%
Public16.32%
Promoters39.98%
FIIs22.73%
DIIs16.36%
Public20.86%
Promoters38.98%
FIIs22.07%
DIIs22.33%
Public16.55%
Promoters37.54%
FIIs18.64%
DIIs27.47%
Public16.26%
BANDHANBNK
Holdings Analysis
Key strengths & risk signals
53
Overall
52
Fundamental
54
Technical
Risks (4)
Cannot calculate PEG - insufficient growth data.
WEAK POSITION! Current price (157.5) is below both moving averages.
NEGATIVE MOMENTUM! Price declined across timeframes - down 6.4% (1 week), 10.8% (1 month), 24.2% (3 months).
BEARISH TREND! 50-day average (172.7) is below 200-day average (177.5) - negative signal.
Strengths (4)
GOOD STABILITY! Only 1 revenue dip in history. Strong business fundamentals.
BULLISH SENTIMENT! In last 30 days: 15 up days, 15 down days. Avg volume on up days: 14,842,392 vs down days: 9,963,588. Ratio: 1.49x
APPROACHING OVERSOLD! RSI at 35.5 - watch for reversal.
BELOW MARKET! Beta of 0.80 - slightly less volatile than market.
Fundamental & Technical Analysis
56Overall
52Fundamental
60Technical
Fundamental Breakdown
Growth Quality
7/30
Revenue CAGR: 5.0% (SLOW, 5/15). Profit CAGR: -17.7% (DECLINING, 2/15).
Profit Margin
5/10
DECENT EFFICIENCY! 13.6% profit margin - acceptable profitability.
PEG Valuation
1/10
Cannot calculate PEG - insufficient growth data.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.95% yield - little to no income.
Debt to Equity
8/10
LOW DEBT! D/E of 0.45 - strong balance sheet.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 14.02% public ownership - strong promoter/institutional control.
Stability Index
8/10
GOOD STABILITY! Only 1 revenue dip in history. Strong business fundamentals.
Technical Breakdown
Moving Averages
3/10
BEARISH TREND! 50-day average (172.7) is below 200-day average (177.5) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (172.0) is below both moving averages.
Trend Pattern
10/20
BREAKDOWN! Stock has broken below support levels - weakness present.
52W Performance
3/10
WEAK YEAR! Stock declined 3.4% in the last year.
Volume Sentiment
30/30
BULLISH SENTIMENT! In last 30 days: 16 up days, 14 down days. Avg volume on up days: 17,139,145 vs down days: 10,427,422. Ratio: 1.64x
RSI
3/5
NEUTRAL! RSI at 50.4 - balanced momentum.
52W Range
3/5
MID RANGE! Trading at 43.6% of 52W range - neutral zone.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - 4.8% (1 week), -2.6% (1 month), -20.6% (3 months).
Beta
4/5
BELOW MARKET! Beta of 0.80 - slightly less volatile than market.
BANDHANBNK
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-05-05 | Concall PDF | |
| Q3FY262026-01-28 | Concall PDF | |
| Q2FY262025-11-06 | Concall PDF | |
| Q1FY262026-07-27 | Concall PDF |
Peer Comparison
Financial Services · Banks - Regional · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| BANDHANBNK | ₹172.00 | 20.5 | 13.6% | 5.0% | -17.7% | -3.4% | 56 | BREAKDOWN | +34.9% | -6.1% | +1.2% | -1.2% |
| CENTRALBK | ₹30.40 | 6 | 27.8% | 9.3% | 39.2% | -18.1% | 73 | CONSOLIDATION | +3.2% | +77.4% | -4.9% | -5.1% |
| UCOBANK | ₹23.60 | 10.5 | 21.5% | 7.8% | 14.9% | -24.5% | 63 | CONSOLIDATION | +8.1% | -18.1% | +2.2% | +11.7% |
| CUB | ₹234.50 | 16.6 | 37.8% | 9.1% | 12.3% | +44.8% | 77 | CONSOLIDATING UP | +25.1% | +6.4% | +22.4% | -1.2% |
| KARURVYSYA | ₹348.60 | 12.4 | 41.3% | 18.7% | 31.4% | +53.7% | 81 | APPROACHING RESISTANCE | +44.9% | +4.2% | +22.1% | -5.6% |
| IOB | ₹30.80 | 10 | 36.6% | 14.2% | 37.1% | -20.8% | 65 | BOUNCE FROM SUPPORT | +45.6% | +10.3% | +38.3% | +22.8% |
| RBLBANK | ₹388.10 | 28 | 11.1% | 12.2% | -1.5% | +43.4% | 53 | BREAKDOWN | +9.3% | -4.2% | +1.0% | -6.0% |
| BANKINDIA | ₹134.30 | 5.2 | 35.0% | 7.3% | 39.0% | +8.2% | 70 | APPROACHING SUPPORT | +80.5% | +7.0% | +14.4% | -5.1% |
Data from TradeAlone · Updated daily
BANDHANBNK News
Bandhan Bank Limited (BANDHANBNK) falls 10% intraday, breaks below support2026-07-22Bandhan Bank Limited (bandhanbnk) Investor Presentation Q1fy27: Deepening Footprint and Enhanced Efficiency2026-07-21Bandhan Bank Limited (NSE: BANDHANBNK) gains 5% intraday, nears resistance at ₹2192026-07-15Bandhan Bank Limited (BANDHANBNK) gains 5% intraday2026-07-10Bandhan Bank Limited (NSE: BANDHANBNK) falls 5% intraday2026-06-25
