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Bandhan Bank: Empowering Businesses, Enriching Lives


In the heart of Kolkata during the 1990s, Chandra Shekhar Ghosh observed the struggles of small traders weighed down by high-interest loans from traditional lenders. Motivated by a desire to uplift these entrepreneurs, Ghosh laid the foundation of Bandhan, a microfinance institution offering not just loans but also hope to the underprivileged. Over time, Bandhan evolved into a universal bank, extending its reach across India’s socio-economic spectrum while remaining committed to fostering financial inclusion.

A Journey towards Inclusive Banking

In 2015, Bandhan Bank emerged, catering to customers from all walks of life. Transitioning from an NGO to an NBFC and eventually to a universal bank, its mission remained steadfast: extending banking services to the unbanked and underbanked. With the motto “Aapka Bhala, Sabki Bhalai”, Bandhan Bank epitomizes inclusive banking.

Business Banking Solutions

Bandhan Bank offers a diverse range of financial solutions tailored to meet the needs of businesses of all sizes:

  • Small Enterprise Loan: Collateral-free financing supporting short-term needs and business growth, with flexible loan amounts up to ₹25 lakh and tenure of up to 5 years.
  • Micro Loans for Small Enterprises: Tailored for home-based businesses with convenient doorstep banking and loan amounts ranging from ₹15,000 to ₹1, 50,000.
  • Group-based Individual Loans: Facilitating business scaling with quicker approval for savings account holders and loan tenure up to 2 years.
  • Sushiksha Loan: Enabling enterprise expansion for medium and large businesses with loan tenure extending up to 7 years.
  • Working Capital Loans: Ensuring liquidity for businesses with flexible loan amounts and tenure, ideal for meeting various business’s needs.
  • Commercial Vehicle & Construction Equipment Loan: Providing high LTV funding with comfortable repayment tenure up to 84 months.

Other Business Facilities

Bandhan Bank provides a range of banking services including Standard, Advantage, and Premium Salary Accounts, Corporate Internet Banking, and Current Accounts tailored to different business needs. These accounts offer zero balance options, preferential services, and attractive EDC offerings.

Empowering Government Bodies & Non-Profits

Bandhan Bank extends its banking solutions to trusts, associations, NGOs, and government organizations with specialized banking solutions, offering low maintenance accounts with comprehensive banking benefits.

Expanding Horizons

Spanning across the length and breadth of the nation, Bandhan Bank has established a formidable presence with 6,297 banking outlets. Covering 35 out of 36 states and union territories in India, this extensive network ensures accessibility to banking services for all.

Accessible Banking Solutions

In its endeavor to make banking effortless for everyone, Bandhan Bank has deployed 438 voice-enabled ATMs strategically placed for maximum accessibility, ensuring that no one is left behind in the journey towards financial empowerment.

Community Impact: Beyond Banking

Bandhan Bank’s commitment to societal well-being extends beyond banking through its Corporate Social Responsibility (CSR) programmes. Touching the lives of over 19 lakh participants, Bandhan Bank fosters sustainable development and nurtures social responsibility.

A Symbol of Inclusive Banking

In a diverse and dynamic nation like India, Bandhan Bank emerges as a beacon of inclusive banking, facilitating empowerment and upliftment through its extensive reach, innovative solutions, and unwavering commitment to community welfare. As it continues to expand its footprint and enrich lives across the country, Bandhan Bank exemplifies the transformative power of banking that is truly reachable.


Empower your startup or SME with expert guidance from Entrepreneur Educational Social Welfare Foundation Limited (EESWF). Connect with us for consultancy services at sharma.maayank@yahoo.com or call Bholanath Seth at +91 97550 31165.

Let’s pave the path to success together. Reach out to Mayank Sharma, President of EESWF and Editor at Bharatiya Media, or Bholanath Seth, Secretary General of EESWF and Business Head at BharatiyaMedia, for comprehensive support in realizing your business goals.”

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Mayank Sharma

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