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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 Cpmpany, Small Industries Development Bank of India (SIDBI), Caladium Investment Pte. Ltd. (a company managed by GIC Special Investments Private Limited) and a few individuals.

The RBI licensing norms stipulate that a new bank must have a ₹ 500 crore capital. Bandhan Bank started with a capital base of ₹ 2,570 crore and this has been raised to ₹ 4,446 crore as on March 31, 2017.This translates into more than 26.34% capital to risk weighted assets ratio or CAR for the new bank, signifying its robustness.

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.

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 3,799 touch points pan India consisting of 893 bank branches, 2,696 Doorstep Service Centres (DSCs) and 433 ATMs, serving more than 12 million customers.

The bank has mobilized deposits more than Rs. 27,233 crore and its outstanding loan book is nearly Rs. 26,378 crore. Bandhan Bank has a team of nearly 27,300 employees on roll.

The Kolkata-headquartered bank has two divisions -- General Banking and Micro banking, offering a suite of retail financial solutions, including a variety of savings and loan products. Currently, the savings bank account interest rate is 6% for balance above Rs. 1 lakh and 4 % for balance up to Rs. 1 lakh. For term deposits, the maximum interest rate offered is 7 % for one year with an additional 0.75% for senior citizens.

Bandhan Bank seeks to offer 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

  • Mr. Chandra Shekhar Ghosh

    MD and CEO

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

  • Dr. Ashok Kumar Lahiri


    Former Chief Economic Adviser to the Government of India; Former Executive Director of Asian Development Bank and Former Director of National Institute of Public Finance and Policy

  • Mr. B. Sambamurthy


    Former Chairman and Managing Director of Corporation Bank and Former Director, IDRBT

  • Mr. C.M. Dixit


    Senior Partner at GD Apte & Co.

  • Prof. Krishnamurthy Subramanian


    Associate Professor - Finance, at Indian School of Business.
    Member of the Expert Committee on Governance of Banks for the Reserve Bank of India.

  • Mr. Snehomoy Bhattacharya


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

  • Mr. Pradip Kumar Saha


    Former Chief General Manager at SIDBI.

  • 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.

  • Ms. Georgina Elizabeth Baker

    Nominee Director (International Finance Corporation)

    Serves International Finance Corporation in two capacities, as Director of Syndications and as Deputy Treasurer based in London where she heads EMEA Treasury Operation.


  • Mr. Rahul Johri

    Head , Retail Banking

    He has worked as Head of Consumer Banking India , member of the Group Consumer Banking Management Committee and member of India Management committee at DBS Bank India

  • 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.

  • 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. 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.Tamal Bandopadhyay


    He is a renowned business journalist in India and also the author of two best sellers on private banks and shadow banking.

Corporate Governance

Investor Relations