Bandhan Bank verifies your Aadhaar, your household registry entry and your transaction history digitally — so a livelihood loan takes minutes, not months of documents.
Savings balance
₹48,320
•••• 4417
Deposits
₹1,20,000
2 FD · 1 RD
Pre-approved
₹1,75,000
Livelihood loan
Multi-source verification
Instead of asking you for documents, we ask — with your consent — for proof from the systems that already hold it. Each source is verified independently, and you can see exactly what we read.
Aadhaar, confirmed through a consent-based digital handoff.
Your household record and SHG membership from the state registry.
Savings, wages and scheme credits recorded in the MIS ledger.
Save with us
3.50%
per annum
Zero-balance savings with a RuPay debit card and free UPI.
7.85%
per annum
Book from ₹5,000 for 7 days to 10 years. Senior citizens earn 0.50% more.
7.10%
per annum
Save a fixed amount every month and build a corpus you can borrow against.
Borrow
Every loan below is underwritten on verified credentials. Rates are indicative and depend on the evidence you consent to share.
Credit for rural livelihoods, verified against your registry and MIS records
Rate from
11.5%
Up to
₹3,00,000
e.g. ₹1,00,000 over 36 months ≈ ₹3,298/month
A single sanction for the whole self-help group
Rate from
10.75%
Up to
₹10,00,000
e.g. ₹1,00,000 over 36 months ≈ ₹3,262/month
Working capital and equipment finance for small units
Rate from
13.25%
Up to
₹5,00,000
e.g. ₹1,00,000 over 36 months ≈ ₹3,381/month
Spend
Every savings account comes with a RuPay debit card that works at any ATM, POS terminal and micro-ATM in the country. Add a credit card once six months of history are on file.
Debit card
RuPay
•••• •••• •••• 4417
Card holder
YOUR NAME
Valid thru
08/31Working alongside
JEEViKA
NRLM
NABARD
SIDBI
UIDAI
NPCI
“I had savings and wage records for four years, but no salary slip. The bank read the ledger itself and sanctioned ₹1,20,000 the next morning.”
Sunita Devi · SHG member, Muzaffarpur
48h
median time from application to disbursal on verified credentials
Your Aadhaar. Identity is verified through a consent-based digital flow, so there is nothing to photocopy and no branch visit for the application itself.
With your consent, we read your household registry record and the transaction history recorded in GramStack. Regular savings, wage credits and scheme disbursals are all evidence of repayment capacity.
No. It is read once, only for the application you are making, and the evidence is frozen onto that application so you can see exactly what the decision was based on.
Applications are reviewed within one working day. Once sanctioned, the amount is credited to your disbursal account within 48 hours.
Sign in with Aadhaar and see what you are eligible for in under two minutes.