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About Us

Bandhan Bank Limited was incorporated on 23rd December 2014 as a wholly-owned subsidiary of Bandhan Financial Holdings Limited. Bandhan received the ‘in-principle’ approval of the Reserve Bank of India (RBI) for setting up a universal bank in April 2014; the banking regulator gave its final nod in June 2015. Incidentally, Kolkata-headquartered Bandhan is the first bank to be set up in eastern part of India after Independence.

Bandhan Financial Holdings Ltd. is owned by Bandhan Financial Services Limited (BFSL), the largest micro finance organization in India. Its public shareholders include International Finance Corporation (IFC) FIG Investment Company, Small Industries Development Bank of India (SIDBI), Caladium Investment Pte. Ltd. (a company managed by GIC Special Investments Private Limited) and a few individuals.

Our Story

The Bandhan Group received a conditional approval from the Reserve Bank of India (RBI) for setting up a universal bank in April 2014 – one of the two among 25 applicants that included some of the big business conglomerates in India. The banking regulator gave its final nod in June 2015.

Shri Arun Jaitley, Union Minister for Finance, Corporate Affairs and Information & Broadcasting, Government of India, inaugurated the bank on August 23, 2015 in Kolkata –the first bank to be set up in eastern part of India after Independence. The grand function was attended by the regulators, policy makers and luminaries from financial sector and corporate India. Shri Pranab Mukherjee, the then, Honourable President of India, graced Bandhan Bank's first anniversary function on August 23, 2016 in Kolkata.

Bandhan Bank is driven by a constant desire to serve better. Bandhan Bank started with 501 branches, 50 ATMs and 2,022 Door step Service Centres (DSCs) on day one. Presently, Bandhan Bank has 4,000 touch points pan India consisting of 986 bank branches, 3,014 Doorstep Service Centres (DSCs) and 480 ATMs, serving more than 15.33 million customers.

The bank has mobilized deposits more than Rs. 34,639 crore and its outstanding loan book is nearly Rs. 35,599 crore. Bandhan Bank has a team of nearly 31,115 employees on roll.

Bandhan Bank offers its world-class banking products and services to urban, semi-urban and rural customers alike. It is a bank for all but the focus remains unchanged to meet the financial needs of people who are overlooked by the formal banking system and create better education, health care and self-employment opportunities. In sync with the philosophy of ‘Aapka Bhala, Sabki Bhalai ’ and keeping financial inclusion at the heart of it, Bandhan is committed to provide a host of products and services, competitively at par with India’s top private and state-owned banks.

The success of the organization is measured by the million lives it has touched and the communities that have blossomed with its tireless efforts. Simply put, when you choose to bank with Bandhan, you are choosing to be instrumental in the nation’s larger growth story.



‘To be a world class bank for convenient and affordable financial solutions to all, in an inclusive and sustainable manner’.


‘To provide our customers accessible, simple, cost-effective and innovative financial solutions in a courteous and responsible manner. To create value for all stakeholders through a committed team, robust policies and superior systems and technology’.


Our values are anchored around our business ethics, consumer focus and corporate responsibility towards society at large.


C - Cost effective and simple

R - Respect for all

E - Exemplary governance

A - Accountability, professionalism and discipline

T - Transparency and integrity

E - Effective team work and commitment

Success Stories

  • Sunita Reang - Tripura

    She lived kilometres away from the city, in a village with no electricity and bound by communal restrictions. With some support and understanding, making Tribal Cloth is now a flourishing business for Miss Sunita Reang.

  • Rekha Ekkaldev - AHMEDNAGAR

    A business is no business without capital, realized Mrs Rekha Ekkaldev after 7 years of continuous effort at establishing her Ganesh Idol Making venture. Today she has everything from machinery to labour and a large scale production of Ganesh Idols.

  • Shehnaz Hussain - DELHI

    Mrs Shehnaaz Hussain's daughter insisted on a family suit making business so that she could spend more time with her parents who were rather busy with their individual jobs. Shehnaaz may have lost her daughter, but she kept her dream alive.

  • Sanjay Domari - GUWAHATI

    From selling wood to vegetable vending, Mr.Sanjay Domari did plenty to sustain himself and his family. Now, after 10-15 years, he employs a number of handpicked people and runs his own garments factory.

Board of Directors

  • Dr. Anup Kumar Sinha

    Part-time (Independent) Chairman

    Dr. Anup Sinha is an economist with a Ph.D. from the University of Southern California, Los Angeles. He is also M.S. in Economics, University of Rochester, USA and Master in Economics from University. He is currently the Director of Heritage Business School. He has taught at Presidency College and Indian Institute of Management Calcutta. He has held visiting appointments at Calcutta University, Indian Statistical Institute, University of Southern California, Washington University at St. Louis, Curtin University at Perth and Kyoto University.

    He has served on the Board of NABARD. He is currently the IRDAI representative on the Life Insurance Council of India. He served three terms on the Board of Governors at IIMC and also as the Dean during 2003-06. He received the Best Faculty Award from the IIMC Alumni Association in 2003 and 2004. In 2012, 2014, 2015 he won the Most Popular Teacher Award from the outgoing MBA students of IIMC. He served IIMC as Professor of Economics for 25 years.

    He has been actively engaged in training and consulting for a number of organizations in the public and private sector, as well as for international agencies in the fields of economics. He has also authored publications on various topics including economics, rural economy, management, etc.

  • Mr. Chandra Shekhar Ghosh

    MD and CEO

    Founder of BFSL. Awarded 'Entrepreneur of the Year' by Forbes 2014 and Economic Times 2014

  • Mr. Harun Rasid Khan


    An M.Phil. from Jawaharlal Nehru University and a PGDM graduate from Narsee Monjee Institute of Management Studies, Mr. Harun Rasid Khan retired as the Deputy Governor of the Reserve Bank of India in July 2016. While serving at RBI, Mr. Khan has handled diverse areas and spearheaded major projects relating to financial markets, payment and settlement systems, financial inclusion, foreign exchange management, banking regulation & supervision and banking services to government and banks. He was instrumental in formulation of the Payment System Vision 2018 of RBI.

  • Mr. C.M. Dixit


    Senior Partner at GD Apte & Co.

  • Mr. Snehomoy Bhattacharya


    Former Executive Director Corporate Affairs and Head of HR - Axis Bank.

  • Mr. Sisir Kumar Chakrabarti


    Former Deputy Managing Director Axis Bank .

  • Mr. Bhaskar Sen


    Former Chairman and Managing Director of United Bank of India.

  • Mrs. T. S. Raji Gain


    Chief General Manager, NABARD.

  • Mr. Ranodeb Roy


    CEO of RV Capital Management Pvt. Ltd., Singapore; Former Managing Director in Morgan Stanley, Hong Kong and Former Managing Director, Merrill Lynch, Hong Kong.

  • Dr. Holger Dirk Michaelis

    Nominee Director, (Caladium Investment Pte. Ltd. - an investment holding company managed by GIC Special Investments Pte. Ltd.)

    Senior Vice President at GIC Private Equity & Infrastructure, Singapore.

  • Dr. Allamraju Subramanya Ramasastri


    Dr. A. S. Ramasastri is Director, Institute for Development & Research in Banking Technology (IDRBT) since 2014. Dr. Ramasastri is also the Chairman of IFTAS, the company promoted by IDRBT in 2015 to provide technology services to banking and financial sectors. He is on the board of IDBI Infotech, DSCI and SETS. He is member of important committees and working groups of Reserve Bank of India, which include Cyber Security Standing Committee and Working Group on FinTechs.

    Prior to joining the Institute, Dr. Ramasastri was the Chief General Manager-in-charge of Department of Information Technology at Reserve Bank of India. In the RBI, he has spearheaded many important projects including the implementation of the Next Generation RTGS, adoption of international standards like XBRL and ISO 20022, conceptualizing and guiding of banks on Automated Data, and preparation of IT Vision of RBI for 2011-17. He has guided the Bank of Mauritius, Bank of Malaysia and Bank of Uganda on implementation of Data Warehouse, XBRL, etc., and delivered talks on standards and technology for data reporting at the International Monetary Fund and Bank of International Settlements.

  • Mr. Santanu Mukherjee

    Additional Director (Independent)

    Mr. Santanu Mukherjee is an B.Sc., honors from Presidency College under Kolkata University and CAIIB from the Indian Institute of Bankers. Mr. Mukherjee is the former Managing Director of State Bank of Hyderabad, an associate bank of country’s largest lender State Bank of India.

    He has around four decades of experience in the field of banking, finance, risk management, etc. in various capacities. From 2013 to mid of 2014 he was acting as Chief General Manager of State Bank of Bikaner and Jaipur. He has also worked as a Chief Executive Officer of State Bank of India, Paris from 2004 to 2008. He joined as a probationary officer and carried out important domestic and overseas assignments in the SBI Group.



  • Deepankar Bose

    Head , Corporate Centre

    Mr. Bose, in his role as the Head – Corporate Centre, leads multiple functions viz., Banking Operations & Customer Service, Information Technology, Compliance, Legal, Administration and Procurement. Prior to Bandhan Bank, he was with SBI where in his role as the Chief General Manager, he headed the Wealth Management business of the bank. In his many years with SBI, he handled multiple roles including heading the Mumbai Circle of SBI, General Manager – Network and an overseas assignment at SBI California. He has wide experience in banking having worked in the areas of Branch Banking, Agri-business, Credit, HR, Forex, etc., and having led large teams, branch network and transaction volumes.

  • Mr. Sunil Samdani

    Chief Financial Officer

    He was the head of Business Analytics and Strategy at Development Credit Bank and was the CFO at Karvy Financial Services Ltd.

  • Mr. Santanu Banerjee

    Head, HR

    He was the Head of HR – Business Relationships at Axis Bank, responsible for the strategic interface of Corporate HR with all business verticals at Axis Bank.

  • Mr. Biswajit Das

    Chief Risk Officer

    He headed Risk Based Supervision & Regulatory Reporting and Business Loans at ICICI Bank.

  • Mr. Vijaykumar Ramakrishna

    Chief Information Officer

    He had worked as Group Manager, Product Infrastructure in Intuit India Product Development Centre and was the Chief Technology Officer in Yes Bank.

  • Mahendra Mohan Gupta


    Mahendra Mohan Gupta is the Head-Legal of the Bank and responsible for Legal functions in our Bank. He holds a bachelor’s degree in science from Bundelkhand University and a master’s degree in law from Vikram University. He has over 32 years of extensive experience in different capacities in the Legal, Industrial Finance and Banking industry. Previously, he has worked with ICICI Bank, IFCI Ltd. & Bank of India besides teaching law and legal practice. He has been associated with our Bank since March 14, 2017.

  • Nand Kumar Singh

    Head, Banking Operations & Customer Service

    He has over 23 years of rich experience in different facets of banking, having worked with State Bank of India and Axis Bank in leadership roles prior to joining the Bank.

  • Arvind Kanagasabai


    Arvind Kanagasabai is the Head- Treasury of our Bank. He has over 29 years of experience in the banking industry across most verticals in State Bank Of India. He has over 16 years of experience in Treasury functions including that of Head – Central Treasury, SBI, Hong Kong, Executive Vice President & CFO of SBI DFHI Ltd, Mumbai. He has been director on the Board of FIMMDA for 4 years. He is responsible for treasury operations in our Bank. He has been associated with our Bank since November 24, 2016.

  • Indranil Banerjee

    Company Secretary

    Indranil Banerjee is the Company Secretary of our Bank. He holds a bachelors’ degree in science from University of Burdwan, a post graduate diploma in industrial relation and personnel management from Bhavan’s Rajendra Prasad Institute of Communication and Management and is an associate member of the Institute of Company Secretaries of India. He has over 15 years of experience in the finance sector. He is responsible for the compliance of Companies Act, 2013, applicable SEBI Regulations, Banking Regulation Act, 1949 and secretarial function of the Board and committees of the Board.

  • Sourav Kar

    Chief Compliance Officer

    Sourav Kar is the Chief Compliance Officer of our Bank. He holds a bachelors’ degree in commerce from St. Xaviers’ College, Kolkata, and a masters’ degree in business management from Jadavpur University. He has over 25 years of experience in the banking industry. He is responsible for banking compliance operations of our Bank. Previously, he has worked with ING Vysya Bank Limited, Kolkata. He has been associated with Bank since August 23, 2015.