Bandhan Bank has sold a ₹3,212 crore microfinance non-performing loan portfolio to ARCIL for approximately ₹578 crore, following a Swiss Challenge process. This move addresses asset quality pressures in the microfinance segment. The bank also initiated a process to sell an additional ₹3,720 crore in various loan categories. Bandhan Bank's gross and net NPA ratios were reported at 5% and 1.4% respectively as of September 2025, largely due to stress in its microfinance operations.