This research paper examines the extent of sustainability of Bandhan Bank in ensuring financial inclusion in India for a span of nine years (2015-2024). Bandhan Bank is a microfinance institution that was reorganized as a full-fledged commercial bank. The study focuses on Bandhan Bank's uniqueness in being a combination of profitability and social obligations in the Indian banking industry. The various aspects considered for analysis include growth in client/beneficiary coverage, physical presence through branches, ATMs, and doorstep service centers; financial performance such as loans and advances, deposits, micro loans portfolio; non-performing assets (NPAs) and capital adequacy ratio (CAR) in relation to the Reserve Bank of India (RBI) stipulations; and macroeconomic implications of Bandhan Bank's financial inclusion indicators on India's Gross Domestic Product (GDP). The analysis of these factors is done using descriptive and trend analysis methods together with the testing of relevant hypotheses. Growth has been observed in all factors except one. The research paper pinpoints the factors needing immediate attention, particularly NPA management. It concludes that Bandhan Bank's capital adequacy ratio meets the RBI standards all along.
Sharma, P. & Jain, M. (2026). Analysing the Sustainability of Banking Sector in Contributing Towards Financial Inclusion: With Special Reference to Bandhan Bank. International Journal of Advanced Research in Commerce, Management & Social Science, 09(02(I)), 243–253. https://doi.org/10.62823/IJARCMSS/09.02(I).8957
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