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Silver Jubilee Issue · 2026
Twenty-five years of standing beside your every next step.
Bandhan
Kaamyabi ka
2001 to 2026. The bond that grew into a group.
Bandhan Group · Silver Jubilee
It started with two lakh rupees, three people and a belief that financial access could open doors to a better future. Today, that belief has grown into an organisation built on trust, opportunity, and long-term value.
One name. One group.
Millions of journeys, connected by Bandhan.
#BandhanKaamyabiKa
Contents
How It Started
It started behind a sweet shop counter.
How It Started
Mr. 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 degree in Statistics.
He learned development work at BRAC in Bangladesh and later worked with several organisations back home. One idea stayed with him. Charity can provide support, but income creates independence. For him, the underprivileged were entrepreneurs overlooked by the formal banking system.
In 2001, he gave up a steady income to test that idea. He raised two lakh rupees, hired three people and established Bandhan in the villages of Hooghly. The women he met were hesitant at first. But he took the time to listen, understand and earn their trust. In 2002, SIDBI backed him with a twenty-lakh-rupee loan, giving his idea its first major validation.
"Bandhan means togetherness. I was on a mission to connect society."
Chandra Shekhar Ghosh, Founder
The Founder
He never stopped believing in people.
The Founder
For Mr. Chandra Shekhar Ghosh, Bandhan has always been about people, possibility and the power to move forward. That belief runs through the journey, from a borrowed room in Hooghly to a financial group with a presence across the country.
Along the way, credit reached people the formal financial system had overlooked. Livelihoods got funded. Women gained greater financial independence at home. Communities began to move forward. That is the kind of value that does not sit neatly on a balance sheet and something Mr. Ghosh speaks about most.
In 2024, he stepped back from running the bank and took on the role of Chairman of the wider group. As Bandhan expands across savings, investments, insurance and technology, he remains committed to keeping the belief that started it all at its heart. "Dignity is good economics. Trust, once earned, is worth guarding."
The shape kept changing. The belief did not.
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Har kaamyabi ke peeche, ek Bandhan hota hai.
Bandhan Kaamyabi Ka
Behind every milestone,
there is a Bandhan.
Bandhan Kaamyabi Ka.
Bandhan Kaamyabi Ka
Bandhan Group is a purpose-driven financial services group built on a simple belief: growth must have intent, impact must be rooted in integrity and the future must be approached with clarity. What began as a mission to enable financial inclusion has evolved into a diversified group with a strong presence across banking, asset management, life insurance, technology and allied financial services. Across every vertical, our focus remains unchanged: "to create long-term value for individuals, institutions, and communities.
One Group. Multiple capabilities. A shared purpose.
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.
A technology and AI-led services company helping organisations turn complexity into measurable business outcomes.
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
a presence across India.
Tap any year on the curve to trace how a small non-profit in Hooghly became the first microfinance institution in India to receive a universal banking licence and eventually grew into a financial group.
The Journey · 2001 to 2026
Twenty-five years, ten turning points.
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Where twenty-five years landed
Customers served
Women Empowered
Deposits · 2026
What Will Never Change
Four beliefs Bandhan will always stand by
Mission
To deliver accessible, innovative and cost-effective financial and value-added services that create meaningful value for underserved individuals, businesses and stakeholders.
Vision
Transforming Lives at Scale
Our PRISM of Values
P — Purpose-Driven Growth
R — Responsibility & Respect for Stakeholders
I — Integrity & Transparent Governance
S — Sustainable, Long-Term Value Creation
M — Mindful Capital Management
"Har bade sapne ki neev, ek chhoti shuruaat hoti hai"
What Has Not Changed
Tap a belief to open it
From a shop counter in Tripura to a listed bank and a diversified financial group, one belief has remained constant for twenty-five years: when people are trusted and given the opportunity, they can create possibilities of their own. Everything that followed grew from that belief.
Tie a Bandhan.
A bandhan is a bond and a bond is made of many threads. Share your own: a memory, a wish for the next twenty-five years or a kaamyabi that Bandhan helped you reach. Your thread will join the wall below.
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Bandhan
Kaamyabi Ka
Behind every Kaamyabi, there is a Bandhan
