Bandhan Bank is making noise again. In a financial climate where most banks are playing it safe, Bandhan has taken a bigger bet—and it’s starting to pay off.
In June 2025, Bandhan Bank’s total deposits hit ₹1.55 lakh crore, a 16% jump year-on-year. Even compared to March 2025, deposits rose by 2.3%, a healthy sign. These numbers might sound like a win—and in some ways, they are. But look closer, and the story gets more layered.
Bulk Grows, Retail Slows
Bulk deposits have grown fast. At ₹49,147 crore, they’re up nearly 20% from last year. On a quarterly basis, they rose 4.4%. But here’s the catch: retail deposits—the money that shows real public trust—are slipping as a share. The retail-to-total deposit ratio has dropped to 68.22% from 69.15% last year.
Why does this matter? Because bulk money moves fast. Retail deposits are sticky, stable, and show long-term confidence. When retail slows down, questions start to rise.
CASA Cracks
The most worrying trend? CASA—Current and Savings Account deposits—is slipping hard. CASA deposits fell 5.8% YoY and nearly 12% compared to March. That dragged down the CASA ratio to just 27.06%, compared to 33.37% a year ago. It’s not just a stat; it’s a pulse check. A falling CASA means the bank might be relying more on expensive sources of funds.
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Loans, Liquidity & Collection Muscle
Still, Bandhan Bank has some solid ground. Loans and advances (on-book + PTC) are up 6.4% YoY, although they slipped 2.5% from March 2025. Liquidity coverage ratio (LCR) remains strong at 178.28%, and collection efficiency in June was around 97.7%—still robust by industry standards. In micro (EEB) lending, the bank showed 97.6% efficiency, while the non-EEB segment clocked 98.1%.
The Big Picture
Bandhan Bank now has over 6,300 outlets across 35 Indian states and union territories. That’s reach. That’s ambition. And with ₹1.55 lakh crore in deposits, the scale is undeniable.
But here’s the tension: Can Bandhan Bank turn scale into stability?
Or is it growing too fast, leaning too much on bulk deposits, and losing the deeper roots of retail strength?
Bandhan Bank has shown it’s not afraid to take bold steps. But as it climbs higher, the real question is whether it’s building a skyscraper—or just stacking cards.
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