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About Bandhan Bank. in Head& Reg.Office.Bandhan. DN-32, Sector-V, Salt Lake City. Kolkata, West Bengal, India, KolkataAbout 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 is owned by Bandhan Financial Services Limited (BFSL), the largest micro finance organization in India. Its public shareholders include International Finance Corporation (IFC), Small Industries Development Bank of India (SIDBI), Caladium Investment Pte. Ltd. (a company managed by GIC Special Investments Private Limited), Bandhan Employees Welfare Trust, 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 ₹3,334 crore as on March 31, 2016.This translates into more than 29.01% capital to risk weighted assets ratio or CAR for the new bank, signifying its robustness.
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.
Currently, the Bank has 3,667 touch points pan India consisting of 840 bank branches, 2,444 Doorstep Service Centres (DSCs) or banking outlets and 383 ATMs. The Bank has mobilized deposits worth ₹23,500 crore and its loan book stands at ₹20,800 crore. Bandhan Bank has a dedicated team of 25,500 employees on roll to serve 11 million customers.
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 ₹1 lakh and 4% for balance up to ₹1 lakh. For term deposits, the maximum interest rate offered is 7.50% for one year with an additional 0.5% for senior citizens.
Bandhan Bank seeks to offer its world-class banking products and services to urban, semi-urban and rural customers alike. While it has a pan India presence, the special focus remains on eastern and north-eastern part of India. 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 on a par with India’s top private and state-owned banks.
Recently, Shri Pranab Mukherjee, Honourable President of India, graced Bandhan Bank's first anniversary function in Kolkata.
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.
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