Bandhan Bank Ltd, Fundamental analysis

Bandhan Bank Ltd - Technical chart

consolidated in Rs/Cr.

Industry Industry name	Banks
Variance Full Year Net Profit Variance	-55
Equity Latest Equity	1611.1
Face Value Latest Face Value	10
Reserves Total Reserve	23645.34
Dividend Full Year Dividend %	15
Sales Turnover Full Year Net Sales	24423.14
Net Profit Full Year Net Profit	1223.56
Full Year CPS Full Year Cash Per Share	7.6
Earning Per Share Full Year Earning Per Share	7.6
Quarter CPS Latest quarter Cash Per Share	0
Latest Quarter Date Latest Quarter Yrc	Mar 1, 2026
Latest Quarter Sales Latest Quarter Net Sales	6199.13
Previous EPS Previous earnings per share	0
Book Value Book value	156.8
Networth Full Year Return on Networth	11.88
Price/Book Value Price to Book value	1.364796
Yearly PE ratio Full Year Price to Earning per share	28.2
Yearly PC ratio Full Year Price to Cash Per Share	28.2
Bse value BSE Value in lakhs	971.42
Nse value NSE Value in lakhs	15915.06
High 52 week high	221
Low 52 week low	134
Price NSE Current market price	214
CPM Current market price	214

Market cap BSE / NSE Market Cap	34542.01
Net profit Latest Quarter Net Profit	534.14
Net profit variance Latest Quarter Net Profit variance	68
Result year Trailing latest month	Mar 1, 2026
TTM Sales Trailing Twelve 12 month Net Sales	23251.94
TTM OP Trailing Twelve 12 month Operating Profit	13247.7
TTM OPM Trailing Twelve 12 month Operating Profit Margin	56.97
TTM GP Trailing Twelve 12 month Gross Profit	1733.81
TTM GPM Trailing Twelve 12 month Gross Profit Margin	7.1
TTM NP Trailing Twelve 12 month Net Profit	2788.25
TTM NPV Trailing Twelve 12 month Net Profit Variane	-55.43
TTM EPS Trailing Twelve 12 month EPS	7.59
TTM PE Trailing Twelve 12 month PE	28.25
TTM CPS Trailing Twelve 12 month CPS	0
Month CPS Month Cash Per Share	0
TTM Depreciation Trailing Twelve 12 month Depreciation	0
Equity Latest Equity	1611.1
LTP Latest Price (BSE/NSE)	214
Gross block Latest Gross Block	2017.01
Loans Total loans	151212.5
Advances Latest Advances for Banks	131987.32
Net profit asset Latest Assets	1692.85
Year OPM Full Year Operating Profit Margin	40.4
Year GPM Full Year Gross Profit Margin	7.1
Quarter OPM Latest quater Operation Profit Margin	54.8

Quarterly Results (consolidated, figures in Rs Cr.)

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
+ Sales	5,536	5,500	5,479	5,434	5,476	5,354	5,431	5,428
YOY Sales Growth %	22%	22%	17%	5%	-1%	-3%	-1%	-0%
Gross Sales	5,536	5,500	5,479	5,434	5,476	5,354	5,431	5,428
+ Expenses	2,115	2,294	3,281	3,144	2,962	2,977	3,089	2,802
Manufacturing Cost %	11%	12%	12%	15%	13%	14%	15%	18%
Employee Cost %	18%	19%	22%	20%	21%	20%	21%	21%
Other Cost %	9%	11%	25%	23%	21%	22%	21%	12%
Other Manufacturing Expenses %	11%	12%	12%	15%	13%	14%	15%	18%
Provisions & Contingencies %	9%	11%	25%	23%	21%	22%	21%	12%
Operating Profit	3,421	3,206	2,198	2,290	2,514	2,377	2,342	2,626
OPM %	62%	58%	40%	42%	46%	44%	43%	48%
+ Other Income	528	609	1,112	700	726	546	691	771
Miscellaneous Income	528	609	1,112	700	726	546	691	771
Interest / Discount on Advances or Bills	4,870	4,882	4,852	4,764	4,732	4,475	4,685	4,654
Interest on Investments	532	519	548	582	659	694	683	601
Interest on Balances with RBI	42	30	16	9	17	22	11	31
Other Interest	92	69	62	79	68	162	52	141
Interest	2,531	2,566	2,664	2,678	2,718	2,765	2,743	2,633
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	1,418	1,249	645	311	521	158	290	764
+ Tax %	25%	25%	34%	-2%	29%	29%	29%	30%
Current Tax	354	311	219	-7	150	46	85	230
Net Profit	1,063	937	426	318	372	112	206	534
EPS in Rs

Profit & Loss (consolidated, figures in Rs Cr.)

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
+ Sales	1,581	3,909	4,802	6,643	10,885	12,524	13,871	15,905	18,870	21,948
Sales Growth %		147%	23%	38%	64%	15%	11%	15%	19%	16%
Gross Sales			4,802	6,644	10,885	12,524	13,871	15,905	18,870	21,948
+ Expenses	633	1,044	1,683	2,545	3,820	6,637	11,408	8,835	9,547	10,852
Manufacturing Cost %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
Employee Cost %	21%	14%	14%	15%	13%	13%	15%	17%	19%	20%
Other Cost %	19%	13%	21%	23%	22%	40%	67%	38%	31%	29%
Other Manufacturing Expenses %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
Selling & Administration %	9%	5%	5%	5%	4%	4%	4%	4%	4%	4%
Miscellaneous Expenses %	11%	8%	14%	17%	18%	35%	62%	33%	26%	24%
Provisions & Contingencies %			8%	11%	13%	31%	57%	26%	20%	17%
Operating Profit	948	2,865	3,120	4,098	7,066	5,887	2,463	7,070	9,322	11,096
OPM %	60%	73%	65%	62%	65%	47%	18%	44%	49%	51%
+ Other Income	150	411	706	1,063	1,549	2,022	2,823	2,469	2,171	2,967
Miscellaneous Income			706	1,063	1,549	2,103	2,817	2,469	2,171	2,948
Interest / Discount on Advances or Bills			3,824	5,727	9,486	10,892	12,184	13,775	16,506	19,367
Interest on Investments			490	615	833	1,174	1,478	1,886	2,014	2,182
Interest on Balances with RBI			142	73	163	118	141	69	78	97
Other Interest			347	228	403	340	69	174	272	302
Interest	649	1,505	1,770	2,148	4,562	4,961	5,157	6,645	8,551	10,458
Depreciation	36	67	86	78	80	103	110	143	238	279
Profit before tax			2,056	3,013	4,053	2,949	129	2,893	2,943	3,623
+ Tax %			35%	35%	25%	25%	2%	24%	24%	24%
Current Tax	170	625	778	1,130	1,193	762	1,011	590	601	1,001
Deferred Tax	-31	-33	-67	-68	-163	-18	-1,008	109	112	-123
+ Net Profit			1,346	1,952	3,024	2,205	126	2,195	2,230	2,745
Profit Growth %				45%	55%	-27%	-94%	1645%	2%	23%
EPS in Rs

Balance Sheet (consolidated, figures in Rs Cr.)

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	1,095	1,095	1,193	1,193	1,610	1,611	1,611	1,611	1,611	1,611
Reserves	2,239	3,351	8,189	10,009	13,585	15,798	15,770	17,961	19,954	22,748
+ Borrowings	15,140	24,258	34,154	43,753	73,461	94,933	116,252	132,776	151,574	162,351
Secured Borrowings	3,052	1,029	285	521	16,379	16,960	19,921	24,711	16,372	11,138
Unsecured Borrowings	12,089	23,229	33,869	43,232	57,082	77,972	96,331	108,065	135,202	151,213
Deferred Credit	0	0	0	0	0	0	0	0	4,546	4,530
+ Other Liabilities	1,282	1,532	774	1,487	3,062	2,675	5,234	3,689	4,703	4,766
Current Liabilities	1,282	1,532	774	1,487	3,249	2,882	5,451	3,937	4,943	4,880
Equity Application Money	0	0	0	0	0	0	0	12	44	246
Total Liabilities	19,757	30,236	44,310	56,442	91,718	115,016	138,867	156,037	177,842	191,476
+ Fixed Assets	237	252	238	222	347	432	415	509	959	855
Gross Block	273	354	427	489	709	875	955	1,163	1,846	2,017
Accumulated Depreciation	36	103	188	267	362	443	541	654	887	1,162
CWIP	0	0	0	109	22	55	173	346	214	325
Investments	3,758	5,516	8,372	10,037	15,352	25,155	29,079	32,366	29,288	40,712
+ Other Assets	15,761	24,468	35,700	46,073	75,997	89,374	109,200	122,817	147,381	149,584
Cash Equivalents	3,173	7,365	5,511	5,803	8,353	6,228	9,321	8,250	16,171	9,569
Loans n Advances	12,588	17,103	30,189	40,270	67,832	83,352	100,096	114,826	131,494	140,374
Other asset items	0	0	0	0	-188	-206	-217	-260	-284	-359
Total Assets	19,757	30,236	44,310	56,442	91,718	115,016	138,867	156,037	177,842	191,476

Cash Flow (consolidated, figures in Rs Cr.)

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
+ Cash from Operating Activity	6,950	8,885	-2,599	2,695	6,583	-909	902	-4,245	14,808	2,752
Profit Before Tax & Extraordinary Items	414	1,704	2,056	3,013	4,053	2,949	129	2,893	2,943	3,623
Depreciation	36	67	86	78	80	103	110	143	238	279
Interest (Net)	-4	0	0	-320	-578	-826	-1,127	-1,339	-1,408	-1,537
Profit / Loss on Sale of Assets	0	0	0	0	0	-1	0	0	0	0
Profit / Loss on Sale of Investments	0	0	0	-10	-20	-151	-29	-3	-7	-17
Provisions & Write-offs (Net)	53	88	374	735	1,393	3,845	7,840	4,970	3,423	3,479
Loans & Advances	-4,578	-4,453	-13,100	-10,599	-10,231	-19,377	-17,529	-17,353	-20,035	-14,563
Change in Deposits	12,089	11,140	10,640	9,363	12,294	20,891	18,358	11,734	27,137	16,011
Direct Taxes Paid	-298	-581	-810	-1,097	-1,131	-1,089	-690	-717	-1,129	-511
+ Cash from Investing Activity	-454	-2,671	-2,237	-2,373	-4,187	-1,804	-612	-1,618	1,691	-3,879
Purchase of Fixed Assets	-160	-82	-72	-171	-103	-223	-212	-412	-557	-288
Sale of Fixed Assets	0	0	0	0	1	3	1	2	1	2
Purchase of Investments	-2,326	-2,589	-2,029	-2,657	-5,386	-2,330	-1,528	-2,497	0	-5,049
Sale of Investments	0	0	0	0	0	0	0	0	825	0
Investment Income	0	0	0	320	477	746	1,127	1,288	1,422	1,456
Interest Received	4	0	0	0	0	0	0	0	0	0
Acquisition of Companies	-1,233	0	0	0	0	0	0	0	0	0
Others	3,261	0	-135	135	1,125	0	0	0	0	0
+ Cash from Financing Activity	-3,723	-2,023	2,846	105	154	588	2,803	4,791	-8,579	-5,475
Proceeds from Issue of Shares	2,550	0	3,662	12	9	7	3	2	2	0
Proceeds from Other Long-Term Borrowings	0	0	0	0	1,534	1,332	5,070	457	0	0
Proceeds from Short-Term Borrowings	0	53	0	336	0	0	0	4,332	1,758	0
Repayment of Long-Term Borrowings	-6,272	0	0	-100	0	0	0	0	-10,097	-3,156
Repayment of Short-Term Borrowings	0	0	-53	0	-695	-751	-2,109	0	0	-2,077
Dividend Paid	0	0	0	-144	-608	0	-161	0	-242	-242
Others	-1	-2,076	-763	0	-86	0	0	0	0	0
Net Cash Flow	2,773	4,192	-1,989	427	2,550	-2,125	3,093	-1,071	7,921	-6,601