Negative impactCompany
Bandhan Bank sheds Rs 7,000 crore bulk deposits; may tap borrowings, securitisation for credit growth
Economic Times 3 hrs ago·22 Jul 2026, 3:05 am
Bandhan Bank has recently reduced its reliance on large institutional deposits by nearly Rs 7,000 crore. This strategic move is aimed at stabilising its funding profile, as the bank seeks to shift its focus towards retail savings and term deposits, which have grown by 16 per cent year-on-year. To support its continued lending activities, the lender is exploring alternative funding avenues.
This shift in deposit mix is significant for investors as it signals a move towards a more stable and diversified funding base, which can help mitigate risks associated with volatile wholesale money markets. By tapping into the RBI’s FCNR(B) swap facility and considering securitisation, the bank aims to bolster its liquidity and credit growth without over-relying on expensive wholesale funding.
Investors should watch for the bank’s upcoming quarterly results to see how effectively these new funding strategies translate into improved asset quality and net interest margins. Monitoring the pace of retail deposit mobilisation and the utilisation of the swap facility will also be key indicators of the bank's financial health and strategic progress.
Excerpt from Economic Times
Published On Jul 22, 2026 at 08:35 AM IST Kolkata based Bandhan Bank ’s Managing Director & CEO Partha Pratim Sengupta said the lender is evaluating borrowings and securitisation as additional avenues to support credit growth and that the bank had consciously reduced its reliance on bulk deposits because of their…Read the original at Economic Times
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- Concerns Bandhan Bank (BANDHANBNK).
- Category: Company.
- AI reads the tone as negative (potentially bearish) for the stock.
- Assessed as a significant, market-relevant update.
Why it matters
A meaningful update for Bandhan Bank worth tracking. The tone is negative — watch for downside reaction. Use the price and stock snapshot to gauge how the market is responding.
