Should I buy Bandhan Bank stock in 2025?
Is it the right time to buy Bandhan Bank?
ScoreBandhan Bank Limited, trading on the NSE at approximately ₹183.93 as of July 2025, continues to attract significant market attention, with an average daily trading volume of around 10.84 million shares. The bank recently announced steady quarterly results, marked by a 6.4% year-on-year growth in loans and a robust deposit growth of 16%. Under the leadership of the recently appointed MD & CEO, Partha Pratim Sengupta—who brings four decades of banking expertise—the institution is refocusing on core growth areas, notably microfinance and rural banking. Despite some sectoral headwinds, recent developments such as strategic expansion, innovation in savings products, and improving asset quality suggest a constructive outlook. Market sentiment remains moderately optimistic, supported by the improving macro environment and Bandhan Bank’s stable fundamentals, as reflected in attractive valuation metrics (PER of 10.79) and healthy capital adequacy. With fundamentals aligning and operational leadership renewed, the consensus among 11 national and international banks pegs a target price of ₹239. In the evolving Indian financial sector, Bandhan Bank stands out for its rural reach, microfinance leadership, and resilience, positioning it as a stock worth considering for those looking to tap into India’s dynamic private banking sector.
- ✅Strong projected revenue growth of 15-17% per annum.
- ✅Proven leadership with new CEO offering 40 years of experience.
- ✅Dominant microfinance and rural banking presence across India.
- ✅Consistently improving asset quality and capital adequacy ratio at 18.71%.
- ✅Expansive network with over 6,300 banking points nationwide.
- ❌Lower CASA ratio could impact margins in the near term.
- ❌Notable exposure to microfinance sector and associated cyclical risks.
Score- ✅Strong projected revenue growth of 15-17% per annum.
- ✅Proven leadership with new CEO offering 40 years of experience.
- ✅Dominant microfinance and rural banking presence across India.
- ✅Consistently improving asset quality and capital adequacy ratio at 18.71%.
- ✅Expansive network with over 6,300 banking points nationwide.
Is it the right time to buy Bandhan Bank?
- ✅Strong projected revenue growth of 15-17% per annum.
- ✅Proven leadership with new CEO offering 40 years of experience.
- ✅Dominant microfinance and rural banking presence across India.
- ✅Consistently improving asset quality and capital adequacy ratio at 18.71%.
- ✅Expansive network with over 6,300 banking points nationwide.
- ❌Lower CASA ratio could impact margins in the near term.
- ❌Notable exposure to microfinance sector and associated cyclical risks.
Score- ✅Strong projected revenue growth of 15-17% per annum.
- ✅Proven leadership with new CEO offering 40 years of experience.
- ✅Dominant microfinance and rural banking presence across India.
- ✅Consistently improving asset quality and capital adequacy ratio at 18.71%.
- ✅Expansive network with over 6,300 banking points nationwide.
- What is Bandhan Bank?
- The Price of Bandhan Bank Stock
- Our full analysis of the Bandhan Bank stock
- How to buy Bandhan Bank stock?
- Our 7 tips for buying Bandhan Bank stock
- The latest news about Bandhan Bank
- FAQ
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At HelloSafe, our specialist has been tracking the Bandhan Bank share price for over three years. Every month, lakhs of users in India trust us to analyze market trends and identify the best investment opportunities. Our analyses are written for informational purposes and do not constitute investment recommendations. In accordance with our ethical charter, we have never been, and will never be, compensated by Bandhan Bank.
What is Bandhan Bank?
| Indicator | Value | Analysis |
|---|---|---|
| 🏳️ Nationality | India | An Indian private sector bank with strong presence in microfinance and rural markets. |
| 💼 Market | NSE, BSE | Listed on both major Indian exchanges, providing high liquidity for investors. |
| 🏛️ ISIN code | INE545U01014 | This standardized code identifies Bandhan Bank for trading and compliance. |
| 👤 CEO | Partha Pratim Sengupta | Recently appointed CEO with 40 years of banking experience brings fresh perspective. |
| 🏢 Market cap | ₹29,630 crores (~$3.5 billion USD) | Moderate market capitalization; shows potential for further sector-driven growth. |
| 📈 Revenue | ₹5,434 crores (Q1 FY26) | Quarterly revenue reflects robust business but highlights sensitivity to credit cycle. |
| 💹 EBITDA | ₹927 crores (Q1 FY26, estimated) | Healthy operational performance; improvement depends on asset quality stabilisation. |
| 📊 P/E Ratio (Price/Earnings) | 10.79 | Attractive valuation compared to sector, but signals moderate long-term confidence. |
The Price of Bandhan Bank Stock
The price of Bandhan Bank stock is falling this week. The current share price stands at ₹183.93, down ₹3.95 over the past 24 hours and lower by 0.61% compared to a week ago. Bandhan Bank’s market capitalization is ₹29,630 crores, with an average daily trading volume of 10.84 million shares over the last three months. The stock is trading at a P/E Ratio of 10.79, has a dividend yield of 0.82%, and shows a beta of 1.28. This combination reflects moderate volatility and balanced investment potential for Indian investors.
Our full analysis of the Bandhan Bank stock
Having reviewed Bandhan Bank's latest financial results and dissected the stock’s performance over the past three years, our analysis synthesizes a wide range of inputs—including financial indicators, technical signals, market data, and competitive intelligence—distilled through our proprietary algorithms. This broad, multi-factor approach offers a unique vantage point on the state of Bandhan Bank today. So, why might Bandhan Bank stock once again become a strategic entry point into India’s rapidly evolving financial services sector in 2025?
Recent performance and market context
Bandhan Bank has demonstrated remarkable resilience and optimism in the current market landscape. Despite a short-term price correction—down 2.10% in the last 24 hours and 0.61% over the week—the stock has rebounded over the past six months, gaining 17.45%. This recovery highlights strong investor faith, especially after the announcement of robust Q1 FY2026 results and the appointment of a new CEO, Partha Pratim Sengupta. The Indian financial sector, buoyed by pro-growth policies and improving rural demand, provides a fertile macro environment for well-positioned private banks like Bandhan Bank.
- Steady growth in loan and deposit books, reflecting continued business expansion.
- A surge in market capitalization to ₹29,630 crores, reinforcing institutional confidence.
- A favorable medium-term outlook, as retail credit and microfinance gain renewed traction post-pandemic.
Bandhan Bank is thus benefitting from both favorable sectoral winds and its own operational efforts, making this an exciting context for potential buyers.
Technical analysis
A review of Bandhan Bank’s technical profile reveals further bullish indicators. The current RSI at 63.92 places the stock in a neutral-to-slightly-overbought zone, reflecting underlying strength without excessive euphoria. The MACD value of 4.56 remains positive, confirming short-term upward momentum that is further reinforced as the price sits above its 20-, 50-, 100-, and 200-day moving averages (₹181.52, ₹172.23, ₹159.35, and ₹166.40 respectively). These levels demonstrate robust technical structure, suggesting upward moves are supported by a solid base.
Current support is found in the ₹179.81–₹181.87 range—recently tested and held—while immediate resistance appears at ₹187.16–₹190.39. Should this resistance break, Bandhan Bank may see a renewed rally toward analyst targets of ₹239. The convergence of moving averages and positive technical signals points to an ideal entry point at current levels, with attractive risk-reward.
Fundamental analysis
From a fundamental perspective, Bandhan Bank’s recent quarterly results underscore not only resilience but renewed momentum. Q1 FY2026 revenue reached ₹5,434 crores, underpinned by 16% year-on-year deposit growth and a 6.4% annual increase in the loan portfolio. Net profit for the quarter, at ₹318 crores, came in line with analyst expectations, bolstering the view of stable operational performance.
Bandhan Bank trades at an appealing P/E ratio of 10.79, notably below the sector’s average—indicating room for multiple expansion as growth accelerates. While the dividend yield remains modest at 0.82%, the capital adequacy ratio of 18.71% signals a solid balance sheet and prudent risk management. Structural strengths such as a leading share in microfinance, a wide rural presence, and innovative deposit products like “avni” for women further reinforce the case for a rerating in 2025.
- Sustained growth aspirations: Management targets 15–16% advance growth for the coming year, with continued focus on improving asset quality (NPAs currently at 4.71% and trending down).
- Strategic expansion: Over 6,300 banking outlets across India ensure deep market penetration.
- Transformational leadership: The arrival of Partha Pratim Sengupta as CEO brings four decades of sector expertise to fuel the next growth phase.
The combination of healthy revenue velocity, below-average valuation, and sector leadership marks Bandhan Bank as a genuine candidate for investor interest.
Volume and liquidity
Bandhan Bank’s high average daily trading volume—currently at 10.84 million shares—reflects enduring market confidence and provides excellent liquidity for both institutional and retail investors. Such robust volume is a hallmark of a stock that can sustain price discovery and absorb large orders without excessive volatility. This facilitates dynamic valuations and indicates active participation by key market players, further underscoring the credibility and investability of Bandhan Bank.
Catalysts and positive outlook
Looking to the future, Bandhan Bank is positioned at the heart of several promising catalysts that could accelerate its upward trajectory:
- Product innovation: The recent launch of unique products such as the “avni” savings initiative for women is expected to drive both new account openings and sector differentiation.
- Geographical and sectoral expansion: Plans to strengthen microfinance, bolster rural bancassurance, and expand in urban growth centers position the bank to harness India’s evolving credit demand.
- Digital transformation and ESG focus: Investments in digital banking and responsible finance initiatives will likely attract both millennial customers and ESG-driven fund flows.
- Macro tailwinds: India’s strong GDP growth forecast, ongoing rural formalization, and rising middle class underpin a supportive environment for retail financial services.
- Leadership leverage: The transition to highly experienced management promises to catalyze operational excellence and strategic renewal.
Upcoming events—including quarterly results, new product launches, and potential sector reforms—represent potential inflection points for future stock re-rating.
Investment strategies
Bandhan Bank’s share price appears attractively placed for a wide range of investment horizons:
- Short term: Recent support levels offer ideal technical entry for momentum traders, aiming for the next resistance at ₹187–₹190, and potentially towards the consensus target of ₹239 on bullish breaks.
- Medium term: Investors may find value in accumulating on dips around ₹180, benefiting from upcoming catalysts in FY2026 centered on rural credit expansion and asset quality improvement.
- Long term: As India’s microfinance market recovers and private banking deepens, Bandhan Bank’s unique rural reach and innovative strength anchor its case as a durable core portfolio holding.
A disciplined approach, with stop-losses placed just below current support and positions sized to take advantage of imminent catalysts, enables investors to participate meaningfully in the next leg of growth.
Is it the right time to buy Bandhan Bank?
On balance, Bandhan Bank exhibits a confluence of attractive features—technical vitality, fundamental strength, and active market interest—at a critical inflection point for the sector. The company’s sector leadership, impressive branch network, product innovations, and experienced new management all support the view that the stock may be entering a fresh bullish cycle. Its valuation remains compelling relative to both historical averages and future sector prospects, while liquidity and momentum favor immediate investor engagement.
For those seeking a dynamic and forward-looking exposure to India’s evolving financial landscape, Bandhan Bank seems to represent an excellent opportunity. The upcoming quarters—with potential for continued loan growth, progressive asset quality improvement, and further innovation—could mark the beginning of a new chapter of outperformance. Investors should monitor key technical levels and upcoming results as catalysts for future appreciation, but the foundations appear sturdier than ever for those considering an entry now. Opportunity often favors the prepared, and Bandhan Bank’s current setup is difficult to overlook for the prudent and ambitious investor.
How to buy Bandhan Bank stock?
Buying Bandhan Bank stock online is now both simple and secure when you use a regulated broker in India. You can choose between two main methods: spot buying, where you actually own the shares, and trading via CFDs (Contracts for Difference), which lets you benefit from price changes without owning the stock. Both options offer strong investor protection and transparency, making share purchase accessible to all. Below, you’ll find a detailed broker comparison to help you make the right choice.
Cash buying
When you buy Bandhan Bank shares in cash, you own the stocks outright through your trading account. Cash purchases usually involve a fixed commission per order, with typical brokerage fees in India being around ₹100–₹150 per trade.
Gain scenario
If the Bandhan Bank share price is ₹183.93 INR, you can buy around 5.4 shares with a $1,000 (approx. ₹83,000) stake, including a brokerage fee of around $5.
If the share price rises by 10%, your shares are now worth $1,100.
Result: +$100 gross gain, i.e. +10% on your investment.
Trading via CFD
CFD (Contract for Difference) trading allows you to speculate on Bandhan Bank’s share price movements without owning the shares. You pay a spread (the difference between buy and sell price) and potentially overnight financing fees while the position remains open. This method lets you use leverage, increasing both potential gains and risks.
CFD Position Gain Scenario
You open a CFD position on Bandhan Bank shares, with 5x leverage.
This gives you a market exposure of $5,000.
✔️ Gain scenario:
If the stock rises by 8%, your position gains 8% × 5 = 40%.
Result: +$400 gain, on a bet of $1,000 (excluding fees).
Final advice
Before investing, it’s essential to compare the fees and services of different brokers, including trading conditions and support. Your choice between spot buying and CFDs should reflect your investment goals—whether you prefer long-term ownership or seek dynamic trading with leverage. A detailed broker comparison is available further down the page to help you get started confidently.
Check out the best brokers in India!Compare brokersOur 7 tips for buying Bandhan Bank stock
| 📊 Step | 📝 Specific tip for Bandhan Bank |
|---|---|
| Analyze the market | Review Bandhan Bank’s sector, recent financials, and analyst outlooks before making your move. |
| Choose the right trading platform | Use an Indian broker offering NSE/BSE access and competitive fees for Bandhan Bank investments. |
| Define your investment budget | Decide how much to invest and diversify, given Bandhan Bank’s moderate volatility and sector exposure. |
| Choose a strategy (short or long term) | Focus on long-term growth driven by the bank’s rural reach and loan expansion strategy. |
| Monitor news and financial results | Track Bandhan Bank’s quarterly results, management changes, and regulatory updates for key signals. |
| Use risk management tools | Apply stop-loss orders and set target levels to manage market swings in Bandhan Bank shares. |
| Sell at the right time | Take profits or cut losses during major price changes or before earnings announcements that may be impactful. |
The latest news about Bandhan Bank
Bandhan Bank reported Q1 FY2026 results in line with expectations, demonstrating resilient operational performance. On 2 July 2025, Bandhan Bank unveiled quarterly revenue of ₹5,434 crores and a net profit of ₹318 crores, marking deposit growth of 16% year-on-year and loan disbursement growth of 6.4%. This confirmed solid customer acquisition and stable profitability, despite sector headwinds.
Analyst consensus maintains a positive bias, with 56% holding a Buy rating on Bandhan Bank. As of the latest polls by domestic brokerage houses, a majority of market strategists continue to support the stock’s upside potential, with an average price target near ₹187.14, reflecting moderate optimism and confidence in the management’s forward guidance.
Technical momentum indicators signal a slight bullish trend, supporting continued institutional interest. Bandhan Bank’s price hovers above key simple moving averages (20, 50, 100, and 200 days), and the MACD remains positive at 4.56, indicating persistent buyer strength and aligning with recent moderate price recovery in the sector.
Strategic microfinance expansion and digital innovation initiatives continue to underpin long-term growth prospects. The bank has extended its reach to over 6,300 banking outlets nationwide and maintains its leadership in microfinance, launching products like "avni" for women, which strengthens its competitive edge in rural and semi-urban markets critical to Indian financial inclusion.
The appointment of Partha Pratim Sengupta as MD & CEO brings over 40 years’ banking expertise, reinforcing leadership stability. This key board move, completed in late 2024, has been well received by investors and analysts alike, as his industry experience is expected to drive prudent risk management and execution of Bandhan Bank’s strategic priorities in the evolving Indian banking landscape.
FAQ
<i>What is the latest dividend for Bandhan Bank stock?</i>
Bandhan Bank currently pays a dividend, with the most recent amount at ₹1.50 per share paid in July 2024. This reflects a yield of 0.82% based on current prices, providing some income potential despite being lower than industry averages. The bank’s dividend policy is conservative, focusing on supporting sustainable growth.
<i>What is the forecast for Bandhan Bank stock in 2025, 2026, and 2027?</i>
Applying recent projections, Bandhan Bank stock is forecast to reach around ₹239 by end 2025, ₹276 by end 2026, and ₹368 by end 2027. The bank’s continued expansion in rural banking and a strong loan growth outlook support these upward trends, with moderate optimism prevailing among market analysts.
<i>Should I sell my Bandhan Bank shares?</i>
It may be wise to consider holding your Bandhan Bank shares at this stage. The current valuation is attractive, the bank benefits from experienced management, and its strategic focus on microfinance and regional growth can drive value over the medium to long term. Steady fundamentals and an expanding banking footprint make this stock worthwhile for patient investors.
<i>How are Bandhan Bank dividends and gains taxed in India?</i>
Dividends from Bandhan Bank are taxed as per your income tax slab with applicable TDS for residents. Long-term capital gains above ₹1 lakh are taxed at 10%, while short-term gains attract a 15% tax. These are standard rates for Indian equity investments—there is no special investment scheme eligibility for this stock.
<i>What is the latest dividend for Bandhan Bank stock?</i>
Bandhan Bank currently pays a dividend, with the most recent amount at ₹1.50 per share paid in July 2024. This reflects a yield of 0.82% based on current prices, providing some income potential despite being lower than industry averages. The bank’s dividend policy is conservative, focusing on supporting sustainable growth.
<i>What is the forecast for Bandhan Bank stock in 2025, 2026, and 2027?</i>
Applying recent projections, Bandhan Bank stock is forecast to reach around ₹239 by end 2025, ₹276 by end 2026, and ₹368 by end 2027. The bank’s continued expansion in rural banking and a strong loan growth outlook support these upward trends, with moderate optimism prevailing among market analysts.
<i>Should I sell my Bandhan Bank shares?</i>
It may be wise to consider holding your Bandhan Bank shares at this stage. The current valuation is attractive, the bank benefits from experienced management, and its strategic focus on microfinance and regional growth can drive value over the medium to long term. Steady fundamentals and an expanding banking footprint make this stock worthwhile for patient investors.
<i>How are Bandhan Bank dividends and gains taxed in India?</i>
Dividends from Bandhan Bank are taxed as per your income tax slab with applicable TDS for residents. Long-term capital gains above ₹1 lakh are taxed at 10%, while short-term gains attract a 15% tax. These are standard rates for Indian equity investments—there is no special investment scheme eligibility for this stock.
On the same topic
