About Bandhan
Bandhan Bank started as a microfinance company in 2001 founded by Chandra Shekhar Ghosh. It received the universal banking license from RBI in 2015 and commenced banking operations in August 2015. The bank focuses on financial inclusion and has a strong presence in East and Northeast India.
6,000+
Branches
500+
ATMs
70,000+
Employees
Bandhan Bank App
Mobile App
💵 Savings Account
3.50%
Interest Rate
Minimum Balance Requirements
- Metro/Urban: Rs. 5,000
- Semi-Urban: Rs. 2,500
- Rural: Rs. 1,000
Bandhan Basic Account
Account Features
💰 Fixed Deposit (FD) Interest Rates
| Tenure | Interest Rate |
|---|---|
| 7-14 days | 4.00% |
| 15-30 days | 4.50% |
| 31-45 days | 5.00% |
| 46-90 days | 5.50% |
| 91-180 days | 6.25% |
| 181 days - 1 year | 7.00% |
| 1-2 years | 7.50% |
| 2-3 years | 7.40% |
| 3-5 years | 7.15% |
| 5-10 years | 7.00% |
| Senior Citizen Extra | +0.75% |
* Rates are subject to change. Please verify with the bank before investing.
📈 Recurring Deposit (RD) Interest Rates
| Tenure | Interest Rate |
|---|---|
| 6 months | 6.25% |
| 1 year | 7.00% |
| 2 years | 7.50% |
| 3 years | 7.15% |
| 5 years | 7.00% |
🏠 Loan Interest Rates
Home Loan
9.15% - 11.50%
Processing: 0.50% + GST
Max Tenure: 25 years
Car Loan
9.50% - 12.00%
Processing: 1% + GST
Max Tenure: 7 years
Personal Loan
12.00% - 18.00%
Processing: 1% + GST
Max Tenure: 5 years
Education Loan
10.00% - 13.50%
Processing: 1%
Max Tenure: 10 years
Gold Loan
10.00% - 13.00%
Processing: 1%
Max Tenure: 1 year
Loan Against Property
10.50% - 13.50%
Processing: 1% + GST
Max Tenure: 15 years
💳 Credit Cards
Bandhan Bank One Card
Annual Fee: Rs. 500
Cashback on spends
Bandhan World Card
Annual Fee: Rs. 2,999
Lounge access + rewards
📦 Locker Charges & Service Fees
🔐 Locker Annual Rent
- Small: Rs. 3,000/year
- Medium: Rs. 6,000/year
- Large: Rs. 12,000/year
- Extra Large: Rs. 20,000/year
💸 Service Charges
- NEFT (Online): Free
- RTGS (Online): Free
- IMPS: Rs. 2.50 - Rs. 20
- Cheque Book: 10 leaves free
- Debit Card Annual: Rs. 200 - Rs. 500
- SMS Alerts: Rs. 25/quarter
📞 Customer Care Numbers
Toll Free
1800-258-8181
General Helpline
033-6633-8181
Credit Card
1800-258-8181
NRI Services
1800-258-8181
SWIFT Code: BDNBLINBB
IFSC Format: BDBL0XXXXXX