A
Silver Jubilee Issue · 2026
Twenty-five years of standing beside your every next step.
Bandhan,
For Every
Years of
Evolving Journey
2001 to 2026. The bond that grew into a group.
Bandhan Group · Silver Jubilee
It started with two lakh rupees, three people and one stubborn belief: that the people banks ignored
were worth banking on. Today that belief runs through a bank, an asset manager, a life insurer and a
technology business.
One name. One group.
Behind over three crore Indians.
Contents
How It Started
It started behind a sweet shop counter.
How It Started
Chandra Shekhar Ghosh grew up in Bishalgarh, Tripura, the eldest of six children in a joint family of fifteen. His father ran a small sweet shop and money was always tight. He minded the counter between classes, and still made it to Dhaka University for a master's in Statistics.
He learned development work at BRAC in Bangladesh, then at a string of organisations back home. One idea stuck. Charity keeps people where they are. Income is what moves them. The underprivileged were not a risk to be managed. They were entrepreneurs nobody had bothered to bank.
In 2001 he gave up a steady salary to test that idea. He raised two lakh rupees, hired three people and started Bandhan in the villages of Hooghly. The women he approached were wary, so he simply kept turning up. In 2002, SIDBI backed him with a twenty lakh rupee loan and the idea finally had its proof.
"Bandhan means togetherness. I was on a mission to connect society."
Chandra Shekhar Ghosh, Founder
The Founder
He never stopped banking on people.
The Founder
Ask Chandra Shekhar Ghosh what Bandhan is, and he does not start with products. He starts with people. That thread runs the whole way, from a borrowed room in Hooghly to a financial group present across the country.
Along the way, credit reached people the formal system had written off. Livelihoods got funded. Women got a real say at home. Entire villages moved. That is the kind of value that does not sit neatly on a balance sheet, and it is the part Ghosh talks about most.
In 2024, he stepped back from running the bank and took the chair of the wider group. As Bandhan grows into savings, investments, insurance and technology, his work is to keep it honest to the idea it began with. Dignity is good economics. Trust, once earned, is worth guarding.
The shape kept changing. The belief did not.
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Bandhan Kaamyabi Ka
There is a Bandhan behind every milestone.
25 saal se aapki har kaamyabi ke peeche ek Bandhan hota hai.
Bandhan Kaamyabi Ka
Most people know Bandhan as a bank. It is more than that. Bandhan Financial Services is the parent and under it sits a group built to stay with you for the long haul. Your first salary, your first home, your child's education, a business finding its feet, a retirement you can relax into. Different needs, different stages, one group behind them.
Four businesses, one group
Everyday banking, savings and loans. Where most journeys begin.
Mutual funds and investments, so money works while you do.
Life insurance and protection for the people you love.
The digital rails that keep the whole group running.
Your turn
Where are you on your journey?
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Wherever life takes you, whatever success means to you, there has always been a Bandhan behind it.
The Journey
From one district to thirty-five states.
Tap any year on the curve. It traces how a small non-profit in Hooghly became the first microfinance institution in India to earn a full banking licence and then a group.
Where twenty-five years landed
Customers served today
Deposits · 2026
The Journey · 2001 to 2026
Twenty-five years, ten turning points.
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What will never Changed
Four things Bandhan will always believe.
Mission
To create and provide value to every stakeholder and to society at large, through holistic, cost-effective, ethical and sustainable financial and non-financial services.
Vision
To be a globally renowned institution that is reputable and trusted.
"Har bade sapne ki neev, ek chhoti shuruaat hoti hai"
What Has Not Changed
Tap a belief to open it
The line from a shop counter in Tripura to a listed bank and a full financial group runs through one idea, held for twenty-five years. The poor are bankable. Dignity is good economics. Everything after that is detail.
Tie a Bandhan.
A bandhan is a bond and a bond is made of many threads. Leave one. A memory, a wish for the next twenty-five years, or the kaamyabi Bandhan helped you reach. Your thread joins the wall below.
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Bandhan
Kaamyabi Ka
An anniversary keepsake for Bandhan Group. Twenty-five years and more.