Stories of Success & Happiness!

Stories of Success & Happiness!

Renuwara Bibi 
Renuwara Bibi 
Pakur, Jharkhand 
Alpana Das
Alpana Das 
Agartala, Tripura 
Shardaben Bhavsar
Shardaben Bhavsar
Ahmedabad, Gujarat 
Nilam Devi 
Nilam Devi 
Begusarai, Bihar 
 Sumathi Balasubramaniam Pillai 
Sumathi Balasubramaniam Pillai 
Silvassa, Dadra & Nagar Haveli 
Ruma Sanfui
Ruma Sanfui
Dhakuria, Kolkata
Ramita Devi
Ramita Devi
Katihar, Bihar
“With Bandhan Bank’s support, I have been able to turn my life around. Bandhan has inspired me to follow my dreams and achieve them.” 

Renuwara’s family income was solely dependent on her husband – a kindergarten teacher whose income was not sufficient for their family of four. She strongly wanted to contribute to the family income and thought of starting something of her own. Her old sewing machine provided her with that first opportunity. But she wanted to do more.  

That’s when Renuwara heard about Bandhan Bank’s loans. She got her first loan of Rs.7,000 in 2008 and started her own grocery store and with subsequent loan cycles, she was able to make reasonable profit. The entrepreneur in her wanted to venture into manufacturing. With further financial support from Bandhan, she began manufacturing disposable paper utensils. Her dedication paid off and her products became popular. She purchased a big machine to produce these items in the required larger quantities. The latest loan she availed was of Rs.1,55,000 in the year 2019.  

Her business has flourished and she now provides employment to several people. She has also been able to set up another grocery store for one of her sons. Her other son helps out in the paper utensil business. Renuwara is a successful entrepreneur now.  

“Bandhan has been with me through thick and thin. I can’t imagine my life without Bandhan.” 

Alpana was always determined to be self-sufficient and earn for her family. She was aware of the importance of standing on her own feet and supplementing her husband’s income as a schoolteacher. Given her household commitments, she wanted to start small with a part-time venture. She started sourcing sarees from a known supplier and selling them in her neighbourhood. As she progressed in her business, she was quick to realise that a steady flow of capital and variety in stock were essential in her line of business.  

At this point in time, Alpana heard about Bandhan Bank and availed her first loan of Rs.5,000 in 2006 that she utilised for expanding her stock. Over the next few years, Alpana took more loans from Bandhan to grow her business. Currently, she has a loan of Rs.1,50,000. She has also reached out to manufacturers in Phuliya, a district in West Bengal, and Kolkata and started doing business with them directly. With Bandhan’s support, Alpana was able to set up a profitable saree shop.  

Just when things started looking up for her, she lost her husband to kidney failure. Her unwavering spirit and her by-now steady business helped her to keep going. Her son now works at a private company and her daughter is a medical student in Burdwan district of West Bengal. The way Alpana has singlehandedly taken care of her family and business is praiseworthy, her community members feel proud of her.  

“Bandhan Bank unlocked new avenues for my business and helped me redefine my family’s future.” 

Shardaben Bhavsar, a resident of Ahmedabad, led a modest and laborious life before taking the reins of destiny into her own hands – with a little help from Bandhan Bank. Her husband’s cloth printing machine was their only source of income. The dwindling demand reduced the profits steadily. The business had to be reinvented to change that. With a zeal to secure the future of her business, Shardaben reached out to Bandhan Bank for a loan to start their own manufacturing unit.  

In 2012, she borrowed Rs.15,000 to buy a sewing machine for her son who worked as a tailor. In two years, she was able to kick-start the manufacturing business with women’s leggings as their first product. Slowly and steadily, with the help of another loan of Rs.40,000, she purchased three more machines. With the tailoring business gaining significant momentum, the cloth printing business took a back seat and so did its losses. They evolved their products as per industry and market needs. Today, they own 14 tailoring machines and have been able to offer employment to 15 people.  

 

The Bhavsars are currently in their seventh loan cycle of Rs.1,50,000 and are looking to expand to other verticals as well. They are acquiring a larger space to accommodate 25 machines and subsequently increase their production capacities. Shardaben believes that her relationship with Bandhan Bank has been life changing for her business and her family.  

“Bandhan Bank’s support has paved the way for my entrepreneurial journey along with sustained financial stability.” 

Nilam’s journey is a story of relentless perseverance. She has been a harbinger of change for her family and the women in her community. Nilam’s husband, a farmer, was the sole earning member of the family. He could barely make two ends meet. In spite of her inherent societal inadequacies, she was determined to increase the financial income of the family. However, she was unable to obtain a loan from mainstream financial bodies owing to the long list of complex documents required. Nilam saw the light at the end of the tunnel when she heard about Bandhan Bank.  

With a simplified application process, she was able to avail her first loan of Rs.10,000 from the Bank. She utilised the funds to start her own costume jewellery shop. She gave a new lease of life to her family with her innovative venture. Expressing her gratitude, she says, “Bandhan Bank has helped me step into the entrepreneurial world and transform myself from job seeker to job giver.” She believes that her financial independence has also helped her champion the cause of her children’s education. Her son is now a student of engineering and her daughter studies in Grade 12.

“With Bandhan Bank by our side, we are hopeful to expand our business even further.” 

Sumathi’s husband was a small-time cloth manufacturer. He produced and supplied plain white cloth to traders. His earnings could hardly sustain their family of five. To make matters worse, his machine broke down. The improper functioning of the machine caused serious setbacks to his business.  

 At this juncture, Sumathi availed a loan of Rs.35,000 from Bandhan Bank to purchase a new machine. This support from the Bank was a blessing that helped revive their business. Since then there has been no looking back! Their sales witnessed an all-time high; demands increased such that they employed three workers who work on two machines.  
Their association with Bandhan Bank continues to thrive. Sumathi is currently in her fifth loan cycle of Rs. 1,30,000. She has reinvested the money in the expansion of the business. She is happy that her two sons have been able to pursue higher studies, all thanks to the financial support she received from Bandhan Bank.  

"I have been able to turn my life around, because of Bandhan Bank's support. I feel, I can now fulfil my dreams."

Ruma started out as domestic help for households. With the hope for improving the living standards of her family and fulfilling her own aspirations of starting her own business, she reached out to Bandhan. She joined one of the groups and took a loan of ₹10,000. And thus began her entrepreneurial journey. She started with a small shoe stall at Gariahat (popular shopping area in South Kolkata). With passing time, through her grit and hardwork, she now has two established stores in the main market in Gariahat. She set up her first shop in 2011; followed by a second store in 2019. She has a monthly earning of ₹6,000 to ₹7,000 per day. With the success of her business, she was able to send her daughter to a reputed school, who now she studies in a leading college in Kolkata. Ruma hopes to marry her daughter, once she completes her studies. Her husband who was a driver now helps Ruma in the business. With regard to her business, she would like to expand her footwear business further by procuring footwear from suppliers in Mumbai and Delhi. Ruma has a current ongoing loan amount of ₹2,50,000.

"When I thought that I had no hope, Bandhan Bank helped me achieve my dreams. I couldn’t have reached where I am today, without them."

Ramita and her husband ran a small garment's shop. However, due to lack of funds, they were barely able to make the business grow; so much so, Ruma and her husband were unable to make two ends meet. Thus, when Ramita heard of Bandhan, she realised she has the scope of turning her fate around. She took her first loan of ₹12,000 and invested the amount in the existing business. She increased the variety of garments available at her store. As time passed, the business expanded and started generating profits. Ramita has a current ongoing loan amount of ₹1,50,000. With the prosperity of the business, she has been able to secure good education for her sons. Currently, elder son is preparing for medical entrance exam, studying in Kota. Younger son is preparing for CA exam in Kolkata and daughter is in 11th standard. She hopes to expand her business further. She is also looking forward to seeing her children settled with decent jobs.

Customer Testimonials
Subrata-Mitra
Mr. Subrata Mitra (President-DSET)  

Bandhan Bank shares our values of putting services first. They make banking so easy. We have also seen them volunteering during this pandemic, engaging with their customers and investing in our community, every day.

Mr. Subrata Mitra (President-DSET)  
Durgapur City Center 
Biswadip-Dutta
Biswadip Dutta

I have been able to save more money and get loans at low interest rates thanks to the advice and money-saving suggestions given to me by Bandhan Bank staff. I have immense faith in the Bank.

Biswadip Dutta
Chakdaha 
Asish-chakraborty
Asish Chakraborty 

The service we received during Covid-19 crisis has been excellent and beyond imagination. Staff is caring, helpful and hardworking and they keep the customers satisfied. I feel special every time I step inside Bandhan Bank.

Asish Chakraborty 
Badkulla 
Pabitra-Sarkar
Pabitra Sarkar 

During the lockdown due to Covid-19, Bandhan Bank is the right example of essential services that continued to operate. The service, communication, staff behaviour have kept us happy and satisfied.

Pabitra Sarkar 
Badkulla 
Amar-Kumar-Datta
Sri. Amar Kumar Datta

My relationship with Bandhan Bank spans over a few years. The atmosphere at the branch is always cordial and I feel it is my Bank. I am 68 years of age and will always remember the personalised service given to me during this pandemic.

Sri. Amar Kumar Datta
Ranaghat 
Nittyananda-Debnath
Sri. Nittyananda Debnath 

I have held accounts with all the big banks and Bandhan Bank is the best for looking after your money, customer service and mobile banking services. They understand the value of the customer relationship.

Sri. Nittyananda Debnath 
Ranaghat 
Pankaj-Ghosh
Sri. Pankoj Ghosh

My experience with the Bank for over 3 years has always been wonderful – be it the service or employee behaviour.

Sri. Pankoj Ghosh
Ranaghat 
Arindam-Sen
Arindam Sen

Bandhan Bank’s work culture and professional ethics are very impressive. We like their sincerity, honesty and promptness in problem solving. They are always there whenever help is needed.

Arindam Sen
Chakdaha 
Nabin-Chandra-Pal
Nabin Chandra Pal

I feel proud to be associated with Bandhan Bank since 2018. The branch staff along with the branch manager are always very helpful and supportive.

Nabin Chandra Pal
Fulia 
Pradip-Kumar-Ghosh
Pradip Kumar Ghosh

I have received good quality service and good loan facility which is very easy when compared to peer banks. Staff behavior is also excellent. I have also recommended Bandhan Bank to my friends and family.

Pradip Kumar Ghosh
Fulia