Bandhan Bank Ltd is one of India’s prominent private sector banks with a strong presence in microfinance, retail banking, MSME lending, and affordable housing finance. The bank initially built its foundation in microfinance and has gradually diversified into a full-service commercial bank.

With India’s increasing focus on financial inclusion, rural credit expansion, and retail lending growth, Bandhan Bank Ltd holds long-term potential. In this article, we analyze the Bandhan Bank Ltd Share Price Target from 2026 to 2030 based on current market data, business fundamentals, and sector outlook.

Bandhan Bank Ltd Share Price Today (As of Latest Market Data)

The stock is currently trading below its 52-week high and significantly below its all-time high, indicating recovery potential if fundamentals strengthen.

About Bandhan Bank Ltd

Bandhan Bank Ltd operates across multiple banking segments:

• Microfinance lending

• Retail loans

• MSME financing

• Affordable housing loans

• Savings and current accounts

• Digital banking services

The bank has a strong presence in eastern and northeastern India and continues expanding across other regions.

Key Business Strengths

1. Strong Microfinance Base

Bandhan has deep expertise in microfinance lending, providing credit access to underserved communities.

2. Expanding Retail Portfolio

The bank is diversifying into secured retail and MSME loans to reduce concentration risk.

3. Growing Deposit Base

A stable CASA (Current Account Savings Account) base supports lower cost of funds.

4. Improving Asset Quality Focus

Strengthening risk management practices and recovery efforts aim to stabilize NPAs.

5. Strong Institutional Participation

Significant holdings from FIIs and mutual funds indicate market confidence.

Bandhan Bank Ltd Shareholding Pattern

Balanced shareholding structure reflects a mix of promoter stability and institutional oversight.

Bandhan Bank Ltd Share Price Target 2026 to 2030

These projections are based on loan growth, asset quality improvement, margin expansion, and financial inclusion trends.

Year-Wise Analysis & Investment Outlook

Bandhan Bank Ltd Share Price Target 2026: ₹210 – ₹240

By 2026, improved credit growth and better asset quality management may strengthen profitability.

Growth Drivers:

• Expansion in secured retail loans

• Strong rural and semi-urban credit demand

• Improvement in NPA levels

Investment View: Suitable for medium-term investors seeking banking sector exposure.

Bandhan Bank Ltd Share Price Target 2027: ₹260 – ₹300

2027 may reflect enhanced return ratios as diversification reduces risk concentration.

Growth Drivers:

• Growth in MSME and housing finance segments

• Improved CASA ratio

• Better cost efficiency

Investment View: Attractive for investors expecting recovery-driven growth.

Bandhan Bank Ltd Share Price Target 2028: ₹320 – ₹370

With rising financial inclusion and digital adoption, the bank could benefit from broader customer acquisition.

Growth Drivers:

• Digital banking expansion

• Higher net interest margins

• Strong recovery in microfinance

Investment View: Strong long-term compounding opportunity.

Bandhan Bank Ltd Share Price Target 2029: ₹390 – ₹450

By 2029, operational stability and diversified portfolio may strengthen overall financial performance.

Growth Drivers:

• Balanced loan book

• Stable asset quality

• Improved ROE and profitability

Investment View: Suitable for long-term wealth-building strategies.

Bandhan Bank Ltd Share Price Target 2030: ₹470 – ₹550

By 2030, Bandhan Bank could emerge as a well-diversified private sector bank with strong rural and retail dominance.

Growth Drivers:

• Financial inclusion initiatives

• Strong digital banking infrastructure

• Expansion beyond eastern India

Investment View: Ideal for long-term investors aligned with India’s credit growth story.

Risks to Consider

• Asset quality deterioration in microfinance portfolio

• Economic slowdown impacting repayment capacity

• Regulatory changes in banking sector

• Competition from larger private banks

• Moderate volatility (Beta 1.19)

Should You Invest in Bandhan Bank Ltd for the Long Term?

Bandhan Bank Ltd offers exposure to India’s financial inclusion and rural credit growth story. While past asset quality challenges have impacted performance, diversification into retail and MSME lending provides recovery potential.

Reasons to Consider:

• Strong microfinance expertise

• Expanding retail loan portfolio

• Improving asset quality focus

• Institutional investor confidence

Investors should monitor NPA trends, loan growth rate, and quarterly financial results before making major investment decisions.

Conclusion

Bandhan Bank Ltd is positioned to benefit from India’s expanding credit market and financial inclusion initiatives. Although trading below its historical highs, improving fundamentals and portfolio diversification could support long-term recovery.

Based on current projections, the share price could reach ₹470 to ₹550 by 2030, supported by loan book expansion, better asset quality, and operational efficiency.

For investors seeking exposure to India’s banking and rural credit growth theme, Bandhan Bank Ltd offers promising long-term potential — provided risks are carefully evaluated.

Frequently Asked Questions (FAQs)

1. What is the current share price of Bandhan Bank Ltd?
It is currently trading around ₹170–₹173 based on recent market data.

2. What is the 2026 share price target?
The projected range for 2026 is ₹210 to ₹240.

3. Is Bandhan Bank Ltd a good long-term investment?
It may be suitable for investors looking at banking sector recovery and financial inclusion growth.

4. What is the 2030 share price target?
The projected range for 2030 is ₹470 to ₹550.

5. What influences the share price the most?
Loan growth, asset quality, net interest margins, regulatory policies, and overall market sentiment.

Disclaimer: This article is for educational purposes only and should not be considered financial advice. Please consult a certified financial advisor before making investment decisions.