Should I buy Bandhan Bank stock in 2025?
Is Bandhan Bank stock a buy right now?
ScoreAs of May 2025, Bandhan Bank trades at approximately ₹164.40 with an average daily volume of 11.31 million shares, reflecting robust liquidity and ongoing market activity. The bank’s recent quarterly results were strong: a net profit surge of 483% year-on-year and stable asset quality despite challenging sectoral headwinds. Management’s dividend declaration of ₹1.50 per share and continual expansion in retail and digital banking have bolstered investor confidence. While the share price remains just below its 200-day moving average, technical signals are mixed, but underlying business fundamentals have improved notably. Bandhan Bank’s P/E ratio of 9.65 stands out as more attractive than the sector average, and its focus on underbanked markets positions it well within the evolving Indian financial landscape. The constructive sentiment around the stock is underscored by the bank’s expanding customer footprint, sustained improvement in return metrics, and strong capital adequacy. With a sector marked by transformation and competition, Bandhan Bank’s current valuation offers a strategic entry point. The consensus of over 29 respected national and international banks places the 12-month target price at ₹213.70, aligning with expectations for continued recovery and prudent growth.
- ✅Exceptional net profit growth, rising 483% YoY in latest quarter.
- ✅Attractive P/E of 9.65, well below the sector average.
- ✅Steadily improving return on equity and net interest margin.
- ✅Expanding digital and retail banking presence across India.
- ✅Stable asset quality with consistent NPA ratios.
- ❌Shares trading below 200-day moving average, reflecting medium-term caution.
- ❌Gross NPA ratio remains higher than top-tier private banks.
- ✅Exceptional net profit growth, rising 483% YoY in latest quarter.
- ✅Attractive P/E of 9.65, well below the sector average.
- ✅Steadily improving return on equity and net interest margin.
- ✅Expanding digital and retail banking presence across India.
- ✅Stable asset quality with consistent NPA ratios.
Is Bandhan Bank stock a buy right now?
Score- ✅Exceptional net profit growth, rising 483% YoY in latest quarter.
- ✅Attractive P/E of 9.65, well below the sector average.
- ✅Steadily improving return on equity and net interest margin.
- ✅Expanding digital and retail banking presence across India.
- ✅Stable asset quality with consistent NPA ratios.
- ❌Shares trading below 200-day moving average, reflecting medium-term caution.
- ❌Gross NPA ratio remains higher than top-tier private banks.
- ✅Exceptional net profit growth, rising 483% YoY in latest quarter.
- ✅Attractive P/E of 9.65, well below the sector average.
- ✅Steadily improving return on equity and net interest margin.
- ✅Expanding digital and retail banking presence across India.
- ✅Stable asset quality with consistent NPA ratios.
- What is Bandhan Bank?
- How much is Bandhan Bank stock?
- Our full analysis on Bandhan Bank </b>stock
- How to buy Bandhan Bank stock in India?
- Our 7 tips for buying Bandhan Bank stock
- The latest news about Bandhan Bank
- FAQ
Why trust HelloSafe?
At HelloSafe, our expert has been monitoring Bandhan Bank’s performance for more than three years. Each month, hundreds of thousands of users across India rely on us to decode market trends and discover the most promising investment opportunities. Our analyses are designed purely for informational purposes and should not be considered investment advice. In line with our ethical charter, we have never been, and never will be, compensated by Bandhan Bank.
What is Bandhan Bank?
| Indicator | Value | Analysis |
|---|---|---|
| 🏳️ Nationality | Indian | Indian private sector bank with strong national presence and focus on underbanked segments. |
| 💼 Market | NSE, BSE | Listed on India's main stock exchanges; provides high liquidity for retail investors. |
| 🏛️ ISIN code | INE545U01014 | The ISIN uniquely identifies Bandhan Bank shares on the global securities network. |
| 👤 CEO | Ratan Kumar Kesh | The recent CEO appointment brings focus on digitalization and operational efficiency. |
| 🏢 Market cap | ₹26,491 crore (~$3.2 billion) | Mid-sized market cap, offering scope for institutional and retail growth. |
| 📈 Revenue | ₹21,948 crore (FY2025) | Revenues increased 16% YoY, reflecting robust loan disbursal and deposit mobilization. |
| 💹 EBITDA | Not disclosed (Operating profit up 23% YoY) | Operating performance strong, though EBITDA is not separately disclosed by Indian banks. |
| 📊 P/E Ratio (Price/Earnings) | 9.65 | Low P/E signals undervaluation versus peers; market expects improved profitability. |
How much is Bandhan Bank stock?
The price of Bandhan Bank stock is rising this week. As of now, Bandhan Bank shares trade at ₹164.40, up ₹2.66 (1.64%) in the last 24 hours, reflecting a slight 0.09% gain over the week. The bank’s market capitalization stands at ₹26,491 crore, with a robust 3-month average daily volume of 11.31 million shares. Valuation metrics remain attractive, with a P/E ratio of 9.65 and a dividend yield of 0.91%, while its beta of 0.81 signals lower volatility than the broader market. With resilient performance and upbeat volume, Bandhan Bank’s stock offers an interesting mix of stability and potential for investors tracking the Indian financial sector.
Check out the best brokers in India!Compare brokersOur full analysis on Bandhan Bank stock
Having thoroughly examined Bandhan Bank’s latest quarterly and annual financial results alongside its stock price behavior over the last three years, our proprietary multi-factor analytics have parsed myriad data streams—spanning financial ratios, technical signals, and peer benchmarks. In this detailed review, we integrate all available evidence to assess whether Bandhan Bank’s current risk/reward profile is poised to become a strategic re-entry into India’s private sector banking universe as we approach the 2025 investment horizon. So, why might Bandhan Bank stock once again become a strategic entry point into the fast-evolving Indian banking sector in 2025?
Recent Performance and Market Context
Bandhan Bank’s share price, as of May 5, 2025, stands at ₹164.40—reflecting an encouraging +7.42% gain in the past month and +6.78% over the latest half-year, even as it is down -12.37% year-on-year. Intraday, the stock has shown positive sentiment with a 1.64% uptick, and the year-to-date return now sits at +3.36%. Notably, this rebound comes on the heels of formidable Q4 FY25 results, where Bandhan Bank posted a net profit surge of 483% YoY.
These positive dynamics materialize against an increasingly constructive macroeconomic backdrop. India’s robust GDP growth trajectory—driven by resilient domestic consumption, rising digital penetration, and progressive financial inclusion policies—continues to boost the outlook for private sector lenders. Within this context, Bandhan Bank is particularly well positioned, focusing on India’s vast and under-penetrated banking regions.
The overall banking sector has benefited from improved asset quality trends, moderating inflation, and regulatory stability—a confluence of factors that has emboldened investor confidence and supports fresh capital deployment into quality names. Recent dividend declarations and a stable market share further position Bandhan Bank as a responsive player within this evolving ecosystem.
Technical Analysis
From a technical perspective, the stock is demonstrating a strengthening short- to medium-term structure. Bandhan Bank currently trades firmly above its 20-, 50-, and 100-day simple and exponential moving averages (SMA/EMA), reinforcing near-term bullish momentum. These averages—particularly the 20-day SMA at ₹159.56 and 50-day SMA at ₹148.99—now provide robust support, while the stock’s price still trails its 200-day moving averages (SMA: ₹172.02), suggesting considerable headroom as the next technical target.
Oscillator readings support this cautiously optimistic stance. The 14-day RSI of 58.21 hovers in neutral territory, signaling that the stock is not overbought, and allowing ample room for upward movement. Similarly, a mild bullish trend is indicated by an ADX of 23.48, even as MACD and Stochastic RSI provide mixed-to-neutral short-term cues, indicative of a consolidation phase before potential upside. Key support levels at ₹157.45 and ₹153.16 provide downside protection, whereas resistance at ₹169.73 and ₹177.72, if cleared on volume, could catalyze a technical breakout.
Taken together, these signals suggest that the stock may be forming a base, presenting an optimal entry for investors ahead of a sustained upward leg. The technical balance of stable support and growing upside potential argues in favor of renewed interest.
Fundamental Analysis
From a fundamental standpoint, Bandhan Bank’s latest financial release aligns compellingly with attractive valuation metrics and operational fortitude. FY2025 saw net profit rise to ₹2,745 crore—a substantial 23% YoY improvement—driven by disciplined cost management and margin expansion, as evidenced by NIM growth to 6% (up from 5.80%) and improved ROE at 11.15%.
| Metric | Latest Value | Change/Notes |
|---|---|---|
| Share Price (May 5, 2025) | ₹164.40 | +7.42% monthly, +6.78% half-year, -12.37% YoY |
| Net Profit (FY25) | ₹2,745 crore | +23% YoY |
| Net Interest Margin (NIM) | 6.0% | Up from 5.80% |
| Return on Equity (ROE) | 11.15% | Improved |
| P/E Ratio | 9.65 | Sector avg: 19.57 (Discounted) |
| Price-to-Book Ratio | 1.12 | Peer discount |
| Earnings Per Share | 23.13% | YoY growth |
| Book Value Per Share | ₹152.73 | Indicates minimal downside risk |
| Capital Adequacy | 18.71% | Healthy buffer |
| NPA Ratio | 4.71% | Relatively high, but stable QoQ |
| Dividend Yield | 0.91% | Robust payout |
Bandhan Bank’s business model continues to leverage its leadership in microfinance and deep reach in underbanked geographies—a structural advantage that is difficult to replicate quickly. Growing deposit franchises (total deposits up 12% YoY to ₹1.51 lakh crore), healthy capital adequacy (18.71%), and a robust dividend payout policy (0.91% yield) reinforce the bank’s stability and growth credentials.
Challenges—such as a marginal drop in NII (-4% YoY for Q4) and a relatively high NPA ratio at 4.71%—remain. However, the bank has successfully managed to keep these risks contained, with stable NPA ratios QoQ and growing operating profits, building confidence in ongoing asset quality management.
Volume and Liquidity
With an average daily volume of 11.31 million shares, Bandhan Bank demonstrates ample liquidity, ensuring efficient price discovery and ease of entry for institutional and retail investors alike. This robust trading activity underlines strong market participation, especially in the wake of pivotal earnings announcements.
Notably, the stock’s shareholding pattern—a diversified mix of promoters (39.98%), FIIs (22.73%), DIIs (16.36%), and public investors—fosters resilience against abrupt market swings and supports a more consistent valuation. The moderate float facilitates price movements while helping prevent undue volatility, empowering dynamic investors to capitalize on evolving themes.
Catalysts and Positive Outlook
Several tangible catalysts are aligning to position Bandhan Bank on the cusp of a multi-year inflection:
- Strategic Expansion: The bank is steadily ramping up its retail banking operations nationwide, enhancing revenue diversification and unlocking new growth engines.
- Digitalization Drive: Investments in digital banking platforms, AI-driven lending, and customer-centric innovations are elevating service quality and operational efficiency, helping Bandhan Bank capture a greater share of India’s booming digital economy.
- Margin Leverage: Ongoing cost controls and product mix optimization are set to boost margins, with a clear pathway for NIM improvements flagged by management.
- Stable Asset Quality: Steady NPA ratios, despite a challenging lending environment, underline prudent risk management.
- Positive Regulatory Environment: Supportive monetary policy and pro-financial inclusion initiatives from policymakers further enhance sectoral tailwinds.
- Analyst Target Prices: Recent analyst upgrades and a consensus target of ₹180.16 (~10% upside), with some houses such as Anand Rathi pegging fair value near ₹207, suggest underlying confidence in medium-term re-rating potential.
Bandhan Bank’s focus on ESG themes—especially digital inclusion and empowerment of underserved communities—also strengthens its narrative among institutional investors, likely aiding future capital inflows.
Investment Strategies
Current price action and underlying financial strength offer arguments for strategic position-building across multiple timeframes:
- Short-Term (1-3 months): With momentum-supported technicals and clear support levels, tactical traders may see an opportunity to capture upside as the stock looks to challenge its immediate resistance bands, especially if a high-volume breakout above ₹170 materializes.
- Medium-Term (6-12 months): Investors targeting the medium-term stand to benefit from upcoming catalysts—such as digital banking launches, quarterly earnings momentum, and further improvements in capital efficiency. Relative valuation discount to sector peers could narrow, driving alpha.
- Long-Term (>1 year): For investors seeking secular growth exposure, Bandhan Bank’s deep rural presence, scale-driven competitive moats, and management commitment to digital innovation position the stock as a structural beneficiary of India’s long-term financialization trend. The current price, at an earnings and book value discount, may represent an ideal inflection point as profitability compounding accelerates.
Crucially, the stock appears to be consolidating at levels well above historic support, allowing for strategic accumulation ahead of the next sectoral upcycle.
Is It the Right Time to Buy Bandhan Bank?
Bandhan Bank today presents a highly compelling investment profile, powered by a rare confluence of robust profit growth, improving operational metrics, and discounted valuations. The fundamentals justify renewed interest: double-digit earnings expansion, sector-beating NIM, resilient asset quality, and a healthy dividend yield all speak to the bank’s growing franchise strength. Technically, the shares are carving out a base above critical short- and medium-term averages—potentially signaling the start of a new bullish phase, especially as the broader market narrative for private banks in India improves.
With multiple catalysts on the horizon—including digital expansion, further improvements in margin metrics, and ongoing macroeconomic tailwinds—Bandhan Bank’s risk/reward equation seems to represent an excellent opportunity for investors seeking dynamic exposure within India’s financial sector revival. A measured, conviction-led approach could allow investors to position ahead of consensus upgrades, narrowing valuation gaps, and the possibility of Bandhan Bank’s return to sector leadership in coming quarters.
As a result, Bandhan Bank’s stock increasingly merits close consideration by those with an optimistic long-term view on Indian banking and a keen eye for undervalued, fundamentally improving equities. The next phase of India’s financial inclusion story appears ready for new leadership, and Bandhan Bank stands confidently at that frontier.
How to buy Bandhan Bank stock in India?
Buying shares of Bandhan Bank online in India is straightforward, accessible, and secure when you use a regulated broker. As a retail investor, you can invest in Bandhan Bank either by directly purchasing the stock (spot buying) or by using Contracts for Difference (CFDs) to speculate on price movements. While spot buying means you own the shares outright, CFDs let you trade on margin and potentially profit from both rising and falling prices. Not sure which suits you best? You’ll find a detailed comparison of leading Indian brokers further down this page to help you make an informed choice.
Cash Buying
A cash purchase means buying Bandhan Bank shares outright on the stock exchange—either the NSE or BSE—via your broker. This classic investment method gives you ownership rights, including eligibility for dividends and voting at shareholder meetings. Indian brokers typically charge a small flat commission per order (often ₹20–₹30), plus government taxes applicable to equity buying.
Example
For example, suppose the Bandhan Bank share price is ₹164.40 and you want to invest ₹83,000 (about $1,000). Deducting a typical brokerage fee of ₹400 (approximately $5), you could purchase about 504 shares (₹83,000 – ₹400 = ₹82,600; ₹82,600 / ₹164.40 ≈ 502 shares, rounded for fees and small costs).
✔️ Gain scenario: If the share price rises by 10% to ₹180.84, your shares would now be worth roughly ₹90,424 (502 × ₹180.84). That’s a gross gain of around ₹8,224, or +10% on your original investment—before taxes and fees.
Trading via CFD
CFD (Contract for Difference) trading lets you speculate on the price movement of Bandhan Bank shares without owning the stock itself. With CFDs, you trade through an online broker, paying a spread (the difference between buy and sell prices) and, if you hold overnight, a modest daily financing fee. The key advantage: leverage. You can gain large market exposure with a smaller initial outlay, but remember that leverage magnifies both gains and losses.
Example
Suppose you open a CFD position on Bandhan Bank using ₹83,000 (about $1,000) and apply 5x leverage. This gives you exposure to ₹415,000 worth of shares.
✔️ Gain scenario: If Bandhan Bank’s stock rises by 8%, your position gains 8% × 5 = 40%. That’s a ₹33,200 gain on your initial ₹83,000—before accounting for brokerage fees, spread, and overnight funding charges.
Final Advice
Before you buy Bandhan Bank stock—by direct purchase or CFD—compare brokers’ fees, platforms, and regulatory safeguards. Spot buying is suited for long-term investors seeking dividend income and equity ownership, while CFDs fit those aiming for short-term strategies with trading flexibility and leverage. Ultimately, the best method depends on your investment goals and risk tolerance. For a detailed side-by-side comparison, refer to the broker listings further down this page.
Is EightCap reliable?
Yes, EightCap is a trusted platform regulated by ASIC (Australia) and FCA (United Kingdom). Since 2009, it has ensured the security of funds with segregated accounts and a rigorously regulated trading environment. If you are looking for a reliable broker to start with, EightCap is a safe bet, recognised in the industry.
Why choose EightCap?
EightCap combines performance and flexibility. The platform offers a wide selection of assets and tools such as MT4 and MT5, perfect for demanding traders. Are you a beginner? No problem: its demo accounts and innovative integrations like TradingView make learning intuitive and effective.
What are the fees at EightCap?
At EightCap, fees depend on the account you choose: Raw accounts display spreads from 0 pip, with a commission of $3.5 per lot. Standard accounts have slightly higher spreads but no commissions. No fees on deposits or withdrawals, for clear and controlled costs.
Who is EightCap for?
Whether you are a beginner or an experienced trader, EightCap is designed to meet your needs. Are you starting out? Take advantage of guides and demo accounts to understand the basics. Are you more advanced? Tools like MT5 and competitive spreads will allow you to go further in your strategies.
Is it easy to withdraw money from EightCap?
Withdrawing your earnings on EightCap is quick and easy. Requests are processed within 24 hours and you can use flexible options such as bank transfer, cards or e-wallets. Security and speed are at the heart of the service.
Is EightCap reliable?
Yes, EightCap is a trusted platform regulated by ASIC (Australia) and FCA (United Kingdom). Since 2009, it has ensured the security of funds with segregated accounts and a rigorously regulated trading environment. If you are looking for a reliable broker to start with, EightCap is a safe bet, recognised in the industry.
Why choose EightCap?
EightCap combines performance and flexibility. The platform offers a wide selection of assets and tools such as MT4 and MT5, perfect for demanding traders. Are you a beginner? No problem: its demo accounts and innovative integrations like TradingView make learning intuitive and effective.
What are the fees at EightCap?
At EightCap, fees depend on the account you choose: Raw accounts display spreads from 0 pip, with a commission of $3.5 per lot. Standard accounts have slightly higher spreads but no commissions. No fees on deposits or withdrawals, for clear and controlled costs.
Who is EightCap for?
Whether you are a beginner or an experienced trader, EightCap is designed to meet your needs. Are you starting out? Take advantage of guides and demo accounts to understand the basics. Are you more advanced? Tools like MT5 and competitive spreads will allow you to go further in your strategies.
Is it easy to withdraw money from EightCap?
Withdrawing your earnings on EightCap is quick and easy. Requests are processed within 24 hours and you can use flexible options such as bank transfer, cards or e-wallets. Security and speed are at the heart of the service.
Is Avatrade reliable?
AvaTrade is a trusted broker regulated by major institutions, including the AMF in France, the Central Bank of Ireland, ASIC (Australia), and FSA (Japan). Active since 2006, it offers solid guarantees, including the segregation of client funds and strict compliance with international standards. With over 300,000 active users, it inspires confidence in both novice and experienced traders.
Why choose Avatrade?
AvaTrade combines simplicity and expertise. Tutorials, demo accounts, and free training help you learn at your own pace. Advanced tools like MT4/MT5 offer endless possibilities as you progress. You don’t need to be an expert: AvaTrade adapts to you.
What are the fees at Avatrade?
AvaTrade offers simple and affordable fees: competitive fixed spreads, no deposit or withdrawal fees, and inactivity costs that can be avoided with regular use. You can focus on learning and your investments without surprises when it comes to paying.
Who is Avatrade for?
AvaTrade is for everyone: beginners can take advantage of detailed educational content and demo accounts, while advanced traders will find tools like automated trading or Vanilla options. If you are looking for a reliable platform to develop your skills or diversify your assets, AvaTrade is an excellent choice.
Is it easy to withdraw money from Avatrade?
Yes, AvaTrade offers a fast and secure withdrawal process. Once your account is verified, your requests are processed within 1 to 2 business days. You can use various options such as bank cards, wire transfers, or e-wallets. Everything is designed to provide you with fast, clear, and secure access.
Is Avatrade reliable?
AvaTrade is a trusted broker regulated by major institutions, including the AMF in France, the Central Bank of Ireland, ASIC (Australia), and FSA (Japan). Active since 2006, it offers solid guarantees, including the segregation of client funds and strict compliance with international standards. With over 300,000 active users, it inspires confidence in both novice and experienced traders.
Why choose Avatrade?
AvaTrade combines simplicity and expertise. Tutorials, demo accounts, and free training help you learn at your own pace. Advanced tools like MT4/MT5 offer endless possibilities as you progress. You don’t need to be an expert: AvaTrade adapts to you.
What are the fees at Avatrade?
AvaTrade offers simple and affordable fees: competitive fixed spreads, no deposit or withdrawal fees, and inactivity costs that can be avoided with regular use. You can focus on learning and your investments without surprises when it comes to paying.
Who is Avatrade for?
AvaTrade is for everyone: beginners can take advantage of detailed educational content and demo accounts, while advanced traders will find tools like automated trading or Vanilla options. If you are looking for a reliable platform to develop your skills or diversify your assets, AvaTrade is an excellent choice.
Is it easy to withdraw money from Avatrade?
Yes, AvaTrade offers a fast and secure withdrawal process. Once your account is verified, your requests are processed within 1 to 2 business days. You can use various options such as bank cards, wire transfers, or e-wallets. Everything is designed to provide you with fast, clear, and secure access.
Is Vantage reliable?
Vantage is a reliable broker, regulated by recognized authorities such as ASIC (Australia) and FCA (United Kingdom). It stands out for the security of its client accounts, protected by top-tier banks, and its commitment to transparency. With over 15 years of experience, Vantage is a trustworthy platform.
Why choose Vantage?
Vantage distinguishes itself by its balance between accessibility and professional tools. Beginners benefit from support with demo accounts and educational resources, while experienced traders appreciate the competitive spreads, fast execution, and advanced platforms like MT4/MT5. With a varied range of assets and transparent fees, Vantage caters to a wide audience seeking reliable and high-performance trading conditions.
What are the fees at Vantage?
The fees at Vantage are adapted to everyone. On ECN accounts, spreads start at 0 pip with a commission of $3 per lot. Standard accounts offer slightly higher spreads, but without commission. No deposit or withdrawal fees are applied, and the cost of inactivity is limited. With Vantage, you keep control of your costs to invest effectively.
Who is Vantage for?
Vantage is perfect for traders looking for professional conditions, while remaining accessible to beginners. If you want a fast platform, competitive fees and advanced tools, Vantage is an excellent choice. Whether you are learning or perfecting your strategies, you will find the necessary resources.
Is it easy to withdraw money from Vantage?
Withdrawing funds from Vantage is fast and secure. Requests are processed in less than 48 hours and you can choose between bank transfer, cards or electronic wallets. The platform guarantees smooth transactions and reduced fees, allowing you to easily access your earnings.
Is Vantage reliable?
Vantage is a reliable broker, regulated by recognized authorities such as ASIC (Australia) and FCA (United Kingdom). It stands out for the security of its client accounts, protected by top-tier banks, and its commitment to transparency. With over 15 years of experience, Vantage is a trustworthy platform.
Why choose Vantage?
Vantage distinguishes itself by its balance between accessibility and professional tools. Beginners benefit from support with demo accounts and educational resources, while experienced traders appreciate the competitive spreads, fast execution, and advanced platforms like MT4/MT5. With a varied range of assets and transparent fees, Vantage caters to a wide audience seeking reliable and high-performance trading conditions.
What are the fees at Vantage?
The fees at Vantage are adapted to everyone. On ECN accounts, spreads start at 0 pip with a commission of $3 per lot. Standard accounts offer slightly higher spreads, but without commission. No deposit or withdrawal fees are applied, and the cost of inactivity is limited. With Vantage, you keep control of your costs to invest effectively.
Who is Vantage for?
Vantage is perfect for traders looking for professional conditions, while remaining accessible to beginners. If you want a fast platform, competitive fees and advanced tools, Vantage is an excellent choice. Whether you are learning or perfecting your strategies, you will find the necessary resources.
Is it easy to withdraw money from Vantage?
Withdrawing funds from Vantage is fast and secure. Requests are processed in less than 48 hours and you can choose between bank transfer, cards or electronic wallets. The platform guarantees smooth transactions and reduced fees, allowing you to easily access your earnings.
Our 7 tips for buying Bandhan Bank stock
| Step | Specific tip for Bandhan Bank |
|---|---|
| Analyze the market | Examine Bandhan Bank’s current financials, including its strong profit growth and attractive P/E ratio, while noting the recent price recovery and position relative to moving averages. |
| Choose the right trading platform | Use a SEBI-registered online platform with access to BSE/NSE where Bandhan Bank is listed, ensuring competitive brokerage fees and real-time market data. |
| Define your investment budget | Allocate a portion of your capital considering Bandhan Bank’s moderate volatility, and diversify across other Indian stocks to manage potential banking sector risks. |
| Choose a strategy (short or long term) | For Bandhan Bank, consider a long-term approach to benefit from its digital initiatives and expanding retail operations, or use technical levels for tactical shorter trades. |
| Monitor news and financial results | Stay updated on Bandhan Bank’s quarterly results, asset quality updates, NPA trends, and key regulatory or company announcements that may influence share price and sentiment. |
| Use risk management tools | Employ stop-loss and target orders, tracking support at ₹157.45 and resistance at ₹169.73, to protect your capital against sudden price movements in Bandhan Bank. |
| Sell at the right time | Review your holding periodically and consider partial profit booking near analyst targets or resistance levels, especially before major results or sectoral events. |
The latest news about Bandhan Bank
Bandhan Bank posts a remarkable 483% year-on-year surge in Q4 FY25 net profits, signaling robust earnings momentum. For the quarter ending March 2025, Bandhan Bank reported a net profit of ₹318 crore, up from ₹55 crore a year earlier. This significant earnings growth was achieved despite a challenging economic environment, driven mainly by improved asset quality and prudent cost management. The quarterly results also highlighted a 4.71% year-on-year increase in revenue, further underscoring the bank’s operational resilience and the effectiveness of its business strategies focused on core retail and underbanked segments across India.
The bank maintained steady asset quality, with gross and net non-performing asset (NPA) ratios remaining flat sequentially in Q4 FY25. Gross NPA stood at 4.71% and net NPA at 1.28%, both unchanged from the previous quarter, indicating contained credit risk and successful stress management within the loan book. This is particularly notable given the sector-wide concerns over asset quality in India’s banking landscape. Stability in NPAs, combined with a capital adequacy ratio of 18.71%, reflects financial soundness and supports positive sentiment from stakeholders and regulators.
Bandhan Bank declared a ₹1.50 per share dividend with its Q4 FY25 results, reaffirming its shareholder-friendly capital allocation approach. The latest dividend translates to a yield of 0.91%, signaling confidence in sustainable profits and the institution’s willingness to reward shareholders. Dividend continuity, even during periods of macroeconomic uncertainty, bolsters investor trust and positions Bandhan Bank as a consistent income-generating stock within Indian banking.
Technical indicators show short-term bullish momentum, with the share price trading above major moving averages, excluding the 200-day averages. The stock is currently above its 20-, 50-, and 100-day Simple and Exponential Moving Averages, signaling positive near-term sentiment. The recent 1.64% intraday gain and a 7.42% increase over the past month suggest rising investor confidence, while the relatively low beta (0.81) limits volatility risk for Indian traders. Key resistance levels ahead are observed at ₹169.73 and ₹177.72, which, if breached, may further strengthen the uptrend.
Analysts maintain a constructive outlook, with consensus price targets implying 10–26% upside and over half of experts rating the stock as a 'Buy.' The consensus target price stands at ₹180.16, and a leading brokerage has set a target of ₹207. The current valuations—P/E of 9.65 (well below the sector average) and improved profitability metrics such as a 23% annual rise in earnings per share—make Bandhan Bank attractive for value-focused investors. Expansion in retail banking, digital banking initiatives, and a steady improvement in net interest margin (now 6.00%) further reinforce growth prospects in India’s evolving financial landscape.
FAQ
What is the latest dividend for Bandhan Bank stock?
The latest dividend declared by Bandhan Bank is ₹1.50 per share, announced with the Q4 FY2025 results. This dividend results in a yield of approximately 0.91% at current prices. Bandhan Bank has maintained a consistent record of rewarding shareholders as its profits have improved. Its dividend policy reflects a balance between distribution and reinvestment for future growth.
What is the forecast for Bandhan Bank stock in 2025, 2026, and 2027?
Based on current trends and positive market momentum, the projected share prices for Bandhan Bank are: ₹213.72 by the end of 2025, ₹246.60 by the end of 2026, and ₹328.80 by the end of 2027. These estimates reflect the stock’s attractive valuation and robust profit growth, underpinned by improving return on equity and ongoing expansion in retail banking.
Should I sell my Bandhan Bank shares?
Holding Bandhan Bank shares could be a prudent approach for investors focused on the mid- to long-term. The stock trades at a P/E significantly below the sector average, has demonstrated strong profit growth, and is improving its operational efficiency. Its focus on underbanked markets and digital initiatives positions it for further resilience. Given these fundamentals, holding may be considered appropriate for patience-oriented investors.
How are dividends and capital gains from Bandhan Bank stock taxed in India?
In India, dividends from Bandhan Bank are taxed as per the investor’s income tax slab after deduction of a 10% TDS if the annual dividend exceeds ₹5,000. Capital gains from Bandhan Bank shares are subject to short- or long-term capital gains tax depending on the holding period, with specific exemptions and rates for listed equity. Notably, there is no PEA or ISA scheme in India; investors should track thresholds and recent tax changes.
What is the latest dividend for Bandhan Bank stock?
The latest dividend declared by Bandhan Bank is ₹1.50 per share, announced with the Q4 FY2025 results. This dividend results in a yield of approximately 0.91% at current prices. Bandhan Bank has maintained a consistent record of rewarding shareholders as its profits have improved. Its dividend policy reflects a balance between distribution and reinvestment for future growth.
What is the forecast for Bandhan Bank stock in 2025, 2026, and 2027?
Based on current trends and positive market momentum, the projected share prices for Bandhan Bank are: ₹213.72 by the end of 2025, ₹246.60 by the end of 2026, and ₹328.80 by the end of 2027. These estimates reflect the stock’s attractive valuation and robust profit growth, underpinned by improving return on equity and ongoing expansion in retail banking.
Should I sell my Bandhan Bank shares?
Holding Bandhan Bank shares could be a prudent approach for investors focused on the mid- to long-term. The stock trades at a P/E significantly below the sector average, has demonstrated strong profit growth, and is improving its operational efficiency. Its focus on underbanked markets and digital initiatives positions it for further resilience. Given these fundamentals, holding may be considered appropriate for patience-oriented investors.
How are dividends and capital gains from Bandhan Bank stock taxed in India?
In India, dividends from Bandhan Bank are taxed as per the investor’s income tax slab after deduction of a 10% TDS if the annual dividend exceeds ₹5,000. Capital gains from Bandhan Bank shares are subject to short- or long-term capital gains tax depending on the holding period, with specific exemptions and rates for listed equity. Notably, there is no PEA or ISA scheme in India; investors should track thresholds and recent tax changes.
