Bandhan Bank Share Price Target 2025 to 2035:- When it comes to India’s fast-growing private sector banks, Bandhan Bank has always been a name of interest. Once considered a rising star among small finance institutions, Bandhan Bank grew rapidly after getting its banking license in 2015. Over the years, it built a massive customer base, particularly in the microfinance and retail loan segments.
However, its stock performance has been mixed, making many investors curious about the Bandhan Bank share price outlook from 2025 to 2035. Will Bandhan regain its past momentum? What are its future growth drivers, and what can investors expect in the coming decade?
Let’s dive deep into a full analysis — including the bank’s fundamentals, financial strength, future growth potential, and Bandhan Bank share price targets from 2025 to 2035.
About Bandhan Bank
Bandhan Bank Ltd., headquartered in Kolkata, started its journey as a microfinance company in 2001 and was converted into a full-fledged commercial bank in 2015.
- Founder: Chandra Shekhar Ghosh
- Headquarters: Kolkata, West Bengal
- Type: Private Sector Bank
- Market Cap: ₹43,000+ crore (as of 2025)
- Branches: 6,200+ (including banking outlets)
- Customer Base: Over 3 crore active customers
The bank focuses heavily on microloans, affordable housing loans, MSME lending, and retail banking services. Its strength lies in financial inclusion and strong penetration in semi-urban and rural India.
The Bandhan Bank share price reflects this business model — one that offers both challenges and long-term opportunities.
Bandhan Bank’s Core Business Strengths
- Strong Presence in Microfinance Segment:
Bandhan Bank remains a dominant player in microfinance, serving millions of small borrowers across India. - High Customer Loyalty:
The bank’s rural focus has built a deeply loyal customer base. - Expanding Retail Portfolio:
Bandhan is diversifying into secured loans such as housing and MSME lending, improving asset quality. - Technology-Driven Banking:
The adoption of digital tools and mobile banking apps has improved customer experience and reduced operating costs. - Healthy CASA Ratio:
A strong Current Account Savings Account (CASA) ratio boosts profitability and liquidity stability.
These factors play a major role in shaping the Bandhan Bank share price trend over the years.
Bandhan Bank Financial Overview (as of FY 2024-25)
| Metric | Value |
|---|---|
| Market Capitalization | ₹43,500 crore |
| Net Interest Margin (NIM) | 6.8% |
| Net Profit (FY24) | ₹2,500 crore |
| Gross NPA | 4.9% |
| Net NPA | 1.3% |
| CASA Ratio | 38% |
| Total Advances | ₹1.1 lakh crore |
| Total Deposits | ₹1.3 lakh crore |
| Promoter Holding | 39.98% |
Despite earlier challenges in asset quality (especially post-pandemic), Bandhan Bank’s financial performance has improved significantly. Lower NPAs, higher margins, and steady profit recovery indicate a positive outlook for Bandhan Bank share price in the years ahead.
Bandhan Bank Share Price History
| Year | Average Share Price (₹) | Key Highlights |
|---|---|---|
| 2018 | 500+ | Strong debut and investor optimism |
| 2020 | 300 | Pandemic and NPA surge |
| 2021 | 290 | Pressure on microfinance segment |
| 2022 | 240 | Correction phase continues |
| 2023 | 260 | Profit recovery begins |
| 2024 | 270 | Stable earnings, renewed confidence |
The Bandhan Bank share price has seen volatility over the past few years. But with improving fundamentals and a focused management strategy, the long-term prospects are looking better.
Bandhan Bank Share Price Target 2025 to 2035 (Year-Wise Projection)
Let’s now look at the year-by-year Bandhan Bank share price target based on current financial trends, market expansion, and economic forecasts.
Bandhan Bank Share Price Target 2025
- Expected Range: ₹320 – ₹360
- Catalyst: Recovery in microfinance loan segment, improving profitability, and stable NPA levels.
- Outlook: Gradual rebound supported by higher deposit growth and increased rural credit demand.
Bandhan Bank Share Price Target 2026
- Expected Range: ₹380 – ₹420
- Catalyst: Expansion into housing finance and MSME segments.
- Outlook: Diversification reduces dependence on microloans, improving earnings stability.
Bandhan Bank Share Price Target 2027
- Expected Range: ₹450 – ₹500
- Catalyst: Strong rural lending base with digital adoption.
- Outlook: Consistent deposit growth boosts valuation and Bandhan Bank share price momentum.
Bandhan Bank Share Price Target 2028
- Expected Range: ₹520 – ₹580
- Catalyst: New product lines and improved cross-selling through digital platforms.
- Outlook: Increased CASA ratio and improved cost-to-income ratio.
Bandhan Bank Share Price Target 2029
- Expected Range: ₹600 – ₹680
- Catalyst: Robust financial performance with 15%+ annual profit growth.
- Outlook: Strong brand presence and expanding retail franchise push prices upward.
Bandhan Bank Share Price Target 2030
- Expected Range: ₹720 – ₹800
- Catalyst: Expansion across urban India and balanced asset portfolio.
- Outlook: Investors may see sustained growth with long-term capital appreciation.
Bandhan Bank Share Price Target 2032
- Expected Range: ₹900 – ₹1,050
- Catalyst: Greater digital penetration and focus on secured loans.
- Outlook: Enhanced profitability and reduced credit risk lead to re-rating of Bandhan Bank share price.
Bandhan Bank Share Price Target 2035
- Expected Range: ₹1,250 – ₹1,500
- Catalyst: Strong institutional performance, lower NPAs, and high return ratios.
- Outlook: Bandhan may establish itself among India’s top-tier private banks if it maintains this pace.
Growth Drivers for Bandhan Bank’s Future
1. Rural and Semi-Urban Dominance
Bandhan Bank’s major edge lies in its deep presence in small towns and rural areas, where other private banks have limited reach.
2. Diversified Loan Portfolio
By expanding into housing, vehicle finance, and MSME loans, Bandhan is reducing its risk exposure to a single segment.
3. Digital Expansion
Bandhan’s focus on technology — from mobile banking apps to UPI services — is helping attract younger customers.
4. Improved Asset Quality
Lower NPAs and stronger risk assessment mechanisms are helping rebuild investor confidence.
5. India’s Growing Credit Demand
India’s GDP and middle-class expansion are fueling consistent credit demand, which directly benefits private sector banks.
These factors collectively indicate a positive long-term outlook for Bandhan Bank share price.
Key Challenges Facing Bandhan Bank
No growth story is without hurdles. Bandhan faces a few key risks:
- Geographical Concentration:
A large part of Bandhan’s portfolio is concentrated in Eastern India, making it vulnerable to regional risks. - Competition:
With giants like HDFC Bank, Axis Bank, and Kotak Mahindra expanding rapidly, competition is fierce. - Regulatory Risks:
RBI’s strict norms for microfinance and priority sector lending could affect margins. - NPA Concerns:
While asset quality has improved, any economic slowdown could lead to higher defaults again.
Despite these challenges, Bandhan Bank’s proactive management and business restructuring are helping stabilize the Bandhan Bank share price trajectory.
Expert Opinions
- Motilal Oswal: “Bandhan Bank’s turnaround is on track, with better NIMs and credit growth potential. Long-term investors can expect 12–15% CAGR returns.”
- ICICI Securities: “Improving asset quality and digital adoption will drive valuation re-rating.”
- HDFC Securities: “The bank is poised for a comeback phase between 2025 and 2027, driven by diversified loan growth.”
Such positive sentiments from analysts underline the strong prospects for Bandhan Bank share price appreciation in the coming decade.
Trending FAQs on Bandhan Bank Share Price
1. What is the current Bandhan Bank share price?
As of October 2025, the Bandhan Bank share price is trading around ₹290–₹300 per share on NSE.
2. What is the Bandhan Bank share price target for 2025?
By 2025, the Bandhan Bank share price is expected to reach between ₹320 and ₹360, supported by profit recovery and stable asset quality.
3. Is Bandhan Bank a good long-term investment?
Yes, Bandhan Bank has strong fundamentals, a growing customer base, and a clear roadmap for diversification, making it a potential long-term compounder.
4. What are the major strengths of Bandhan Bank?
High rural penetration, strong CASA ratio, digital adoption, and an improving loan mix.
5. Why did Bandhan Bank share price fall earlier?
The stock corrected mainly due to high NPAs in the microfinance segment post-COVID, but recovery is now visible.
6. Does Bandhan Bank pay dividends?
Yes, Bandhan Bank periodically pays dividends to shareholders, though it prioritizes reinvestment for expansion.
7. What is the Bandhan Bank share price target for 2030?
By 2030, the Bandhan Bank share price is projected to reach ₹720–₹800 if the current growth trend continues.
8. What is the long-term target for Bandhan Bank by 2035?
By 2035, analysts expect the Bandhan Bank share price to reach ₹1,250–₹1,500, driven by sustained profitability.
9. How does Bandhan Bank compare to HDFC or Axis Bank?
While Bandhan Bank is smaller in size, its higher growth potential and rural focus make it a unique play in the financial inclusion space.
10. Can Bandhan Bank become a multi-bagger stock?
Yes, if the bank maintains growth above 15% CAGR, improves NPA control, and expands across India, it could deliver multi-bagger returns by 2035.
Conclusion
Bandhan Bank’s journey from a microfinance institution to a full-fledged commercial bank is a remarkable story of inclusion and resilience. The bank’s continuous efforts to diversify its loan portfolio, strengthen its balance sheet, and expand digital reach are positioning it for a strong comeback.
While the Bandhan Bank share price has faced volatility, its long-term potential remains intact. With a strong rural base, digital innovation, and improving asset quality, Bandhan Bank is on a recovery path that could reward patient investors.
Between 2025 and 2035, the bank’s share price could see significant appreciation, especially if management continues focusing on sustainable growth and risk management. For long-term investors seeking exposure to India’s financial inclusion story, Bandhan Bank remains a promising candidate.
In short: Bandhan Bank’s future looks brighter than its past, and the next decade could well be its strongest yet.