{"id":187124,"date":"2026-08-06T12:28:10","date_gmt":"2026-08-06T06:58:10","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=187124"},"modified":"2026-08-06T12:28:11","modified_gmt":"2026-08-06T06:58:11","slug":"indusind-bank-vs-bandhan-bank-comparison","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/indusind-bank-vs-bandhan-bank-comparison\/","title":{"rendered":"IndusInd Bank vs Bandhan Bank: Which Stock Should You Track"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p style=\"border-left: 4px solid #1F4E79; background: #EBF3FB; padding: 10px 16px; font-style: italic;\"><em>IndusInd Bank MCap Rs 79,549 Cr, PE 60.17x, ROE 2.03%, PB 1.22. Bandhan Bank MCap Rs 27,953 Cr, PE 20.65x, ROE 5.36%, PB 1.11.<\/em><\/p>\n<p>IndusInd Bank vs Bandhan Bank is a comparison mid-size private bank investors look up when evaluating two banks navigating periods of earnings stress. IndusInd Bank is navigating the aftermath of accounting irregularities discovered in its derivatives portfolio in 2025, while Bandhan Bank has been recovering from elevated microfinance NPAs. Both are trading at compressed valuations relative to their pre-stress levels.<\/p>\n<p>This IndusInd Bank vs Bandhan Bank article covers reach and market position, key products, latest declared results and stock valuation. The IndusInd Bank vs Bandhan Bank data below is sourced from Groww and public company filings and reflects the most recently available information at the time of writing.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/indusind-bank-vs-bandhan-bank-comparison\/#IndusInd_Bank_vs_Bandhan_Bank_Reach_and_Market_Position\" title=\"IndusInd Bank vs Bandhan Bank: Reach and Market Position\">IndusInd Bank vs Bandhan Bank: Reach and Market Position<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/indusind-bank-vs-bandhan-bank-comparison\/#IndusInd_Bank_vs_Bandhan_Bank_Key_Products_and_Business_Mix\" title=\"IndusInd Bank vs Bandhan Bank: Key Products and Business Mix\">IndusInd Bank vs Bandhan Bank: Key Products and Business Mix<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/indusind-bank-vs-bandhan-bank-comparison\/#IndusInd_Bank_vs_Bandhan_Bank_Latest_Results\" title=\"IndusInd Bank vs Bandhan Bank: Latest Results\">IndusInd Bank vs Bandhan Bank: Latest Results<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/indusind-bank-vs-bandhan-bank-comparison\/#IndusInd_Bank_vs_Bandhan_Bank_Stock_and_Valuation\" title=\"IndusInd Bank vs Bandhan Bank: Stock and Valuation\">IndusInd Bank vs Bandhan Bank: Stock and Valuation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/indusind-bank-vs-bandhan-bank-comparison\/#IndusInd_Bank_vs_Bandhan_Bank_Quick_Comparison_Table\" title=\"IndusInd Bank vs Bandhan Bank: Quick Comparison Table\">IndusInd Bank vs Bandhan Bank: Quick Comparison Table<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/indusind-bank-vs-bandhan-bank-comparison\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/indusind-bank-vs-bandhan-bank-comparison\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/indusind-bank-vs-bandhan-bank-comparison\/#What_is_the_main_difference_between_IndusInd_Bank_and_Bandhan_Bank\" title=\"What is the main difference between IndusInd Bank and Bandhan Bank?\">What is the main difference between IndusInd Bank and Bandhan Bank?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/indusind-bank-vs-bandhan-bank-comparison\/#Why_does_IndusInd_Bank_have_a_PE_of_60x\" title=\"Why does IndusInd Bank have a P\/E of 60x?\">Why does IndusInd Bank have a P\/E of 60x?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/indusind-bank-vs-bandhan-bank-comparison\/#Which_bank_trades_closer_to_book_value\" title=\"Which bank trades closer to book value?\">Which bank trades closer to book value?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/indusind-bank-vs-bandhan-bank-comparison\/#Which_company_has_the_higher_ROE\" title=\"Which company has the higher ROE?\">Which company has the higher ROE?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/indusind-bank-vs-bandhan-bank-comparison\/#What_accounting_issue_affected_IndusInd_Bank\" title=\"What accounting issue affected IndusInd Bank?\">What accounting issue affected IndusInd Bank?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/indusind-bank-vs-bandhan-bank-comparison\/#What_risks_apply_to_these_banks\" title=\"What risks apply to these banks?\">What risks apply to these banks?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/indusind-bank-vs-bandhan-bank-comparison\/#Should_I_invest_in_IndusInd_Bank_or_Bandhan_Bank\" title=\"Should I invest in IndusInd Bank or Bandhan Bank?\">Should I invest in IndusInd Bank or Bandhan Bank?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"IndusInd_Bank_vs_Bandhan_Bank_Reach_and_Market_Position\"><\/span><strong>IndusInd Bank vs Bandhan Bank: Reach and Market Position<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>On the IndusInd Bank side of the IndusInd Bank vs Bandhan Bank comparison, IndusInd Bank operates over 2,700 branches across India, serving retail, commercial vehicle, microfinance and corporate banking clients. Market capitalisation is Rs 79,549 Cr.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=indusindbk-vs-bandhanbnk\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<p>On the Bandhan Bank side of the IndusInd Bank vs Bandhan Bank comparison, Bandhan Bank operates over 6,200 banking outlets primarily in East and Northeast India, with a microfinance-origin retail banking franchise and a growing liability base. Market capitalisation is Rs 27,953 Cr.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"IndusInd_Bank_vs_Bandhan_Bank_Key_Products_and_Business_Mix\"><\/span><strong>IndusInd Bank vs Bandhan Bank: Key Products and Business Mix<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In the IndusInd Bank vs Bandhan Bank product comparison, IndusInd Bank offers: IndusInd Bank offers vehicle loans, microfinance, personal loans, corporate credit and SME banking. P\/E is 60.17x on very thin trailing earnings due to accounting restatements. ROE is 2.03 percent. EPS is Rs 16.97.<\/p>\n<p>For Bandhan Bank in this IndusInd Bank vs Bandhan Bank breakdown: Bandhan Bank offers microfinance, retail home loans, SME loans and savings deposits with a deep rural and semi-urban franchise. P\/E is 20.65x, ROE 5.36 percent. EPS is Rs 8.40. Dividend yield is 0.86 percent.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"IndusInd_Bank_vs_Bandhan_Bank_Latest_Results\"><\/span><strong>IndusInd Bank vs Bandhan Bank: Latest Results<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The IndusInd Bank vs Bandhan Bank results for IndusInd Bank: IndusInd Bank has a market cap of Rs 79,549 Cr and P\/E of 60.17x, reflecting thin current earnings from accounting-related provisions. ROE is 2.03 percent. Book value per share is Rs 838.10 and P\/B is 1.22.<\/p>\n<p>The IndusInd Bank vs Bandhan Bank results for Bandhan Bank: Bandhan Bank has a market cap of Rs 27,953 Cr and P\/E of 20.65x. ROE is 5.36 percent. P\/B is 1.11 at near-book levels.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Compare IndusInd Bank and Bandhan Bank Fundamentals on the Univest Screener<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"IndusInd_Bank_vs_Bandhan_Bank_Stock_and_Valuation\"><\/span><strong>IndusInd Bank vs Bandhan Bank: Stock and Valuation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The IndusInd Bank vs Bandhan Bank stock comparison uses the latest available market data from Groww. Investors tracking IndusInd Bank vs Bandhan Bank should verify current prices on NSE or BSE before trading.<\/p>\n<p>IndusInd Bank trades at a market cap of Rs 79,549 Cr with a very high P\/E of 60.17x reflecting thin current earnings from its accounting restatement. Bandhan Bank trades at Rs 27,953 Cr market cap and P\/E of 20.65x, much cheaper, with a low but positive ROE of 5.36 percent. Both stocks are valued on expected earnings recovery.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"IndusInd_Bank_vs_Bandhan_Bank_Quick_Comparison_Table\"><\/span><strong>IndusInd Bank vs Bandhan Bank: Quick Comparison Table<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The IndusInd Bank vs Bandhan Bank comparison table below summarises the key metrics covered in this article side by side.<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<th style=\"border: 1px solid #ccc; padding: 8px;\">Parameter<\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/indusindbk\/indusind-bank-ltd-share-price-today\">IndusInd Bank<\/a><\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/bandhanbnk\/bandhan-bank-ltd-share-price-today\">Bandhan Bank<\/a><\/th>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Sector<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Mid private bank<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Mid private bank: microfinance origin<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Market Cap<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 79,549 Cr<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 27,953 Cr<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">P\/E Ratio<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">60.17x (on thin earnings)<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">20.65x<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">ROE<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">2.03%<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">5.36%<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">P\/B Ratio<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">1.22<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">1.11<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Stress source<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Accounting derivatives restatement (2025)<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Microfinance NPA cycle<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Key strength<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Vehicle loans, commercial banking<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">East India franchise, microfinance depth<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The IndusInd Bank vs Bandhan Bank comparison above covers the key data points on reach, products, results and valuation. IndusInd Bank vs Bandhan Bank are both mid-size private banks navigating earnings stress from different sources. IndusInd is recovering from an accounting restatement event, while Bandhan is recovering from a microfinance NPA cycle. Both trade near book value. Investors should carefully review each bank&#8217;s management commentary and earnings recovery trajectory and consult a SEBI-registered advisor before investing.<\/p>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"https:\/\/apps.apple.com\/in\/app\/univest\/id1543832872\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.univest.android\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track IndusInd Bank and Bandhan Bank live price and get daily stock recommendations.<\/em><\/p>\n<div style=\"background: #CC0000; border-radius: 8px; padding: 16px 20px; margin: 24px 0;\">\n<p style=\"color: #ffffff; font-size: 13px; line-height: 1.7; margin: 0;\"><strong style=\"color: #ffffff;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information, including company results filings and exchange data, and are current as of the time of writing. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_main_difference_between_IndusInd_Bank_and_Bandhan_Bank\"><\/span><strong>What is the main difference between IndusInd Bank and Bandhan Bank?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> IndusInd Bank is a large private bank with vehicle loan and corporate banking exposure, currently navigating recovery from a derivatives accounting restatement. Bandhan Bank is a microfinance-origin bank with deep East India roots, recovering from elevated rural loan NPAs.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why_does_IndusInd_Bank_have_a_PE_of_60x\"><\/span><strong>Why does IndusInd Bank have a P\/E of 60x?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> IndusInd Bank&#8217;s high P\/E reflects very thin current earnings due to large provisions taken following the discovery of accounting irregularities in its derivatives portfolio in 2025.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_bank_trades_closer_to_book_value\"><\/span><strong>Which bank trades closer to book value?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bandhan Bank trades at 1.11 times book, while IndusInd Bank trades at 1.22 times book \u2014 both near book value.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_company_has_the_higher_ROE\"><\/span><strong>Which company has the higher ROE?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bandhan Bank has an ROE of 5.36 percent, higher than IndusInd Bank at 2.03 percent.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_accounting_issue_affected_IndusInd_Bank\"><\/span><strong>What accounting issue affected IndusInd Bank?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> In 2025, IndusInd Bank disclosed accounting irregularities in its derivatives portfolio, leading to significant provisioning and a sharp drop in reported earnings.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_risks_apply_to_these_banks\"><\/span><strong>What risks apply to these banks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Both face risk from delays in NPA resolution, regulatory scrutiny and any further deterioration in their respective stressed asset pools.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Should_I_invest_in_IndusInd_Bank_or_Bandhan_Bank\"><\/span><strong>Should I invest in IndusInd Bank or Bandhan Bank?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Both are recovery stories at near-book valuations. Review management guidance and earnings trajectory and consult a SEBI-registered advisor before making any investment decision.<\/p>\n<div class=\"faq-schema\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>IndusInd Bank vs Bandhan Bank compared on loan book, asset quality, leadership and valuation. 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