Chandra Shekhar Ghosh was born in a Bangladeshi refugee family in India and grew up in poverty. After earning his master's degree, he worked for an NGO and realized social organizations fail to address the root causes of poverty. In 2002, he started Bandhan in West Bengal with two employees and 200,000 rupees in capital to provide microfinance services to the poor. Bandhan was granted a banking license in 2015, allowing it to expand its services. Ghosh's vision is for all Indians to have access to basic banking and his bank focuses on lending to rural areas while remaining committed to helping the poor.

2. Chandra Shekhar Ghosh

3. Early Life
 Born in a Family of Bangladeshi Refugees.
 Father had a tiny sweet shop.
 Completed his Master’s in Statistics from
Dhaka University
 Worked for an NGO to support his Family

4. Microfinance Career
 Worked For 15 Years at an NGO village welfare
society he found out that Social organizations fail to
strike at the root of poverty.
 In 2002 Ghosh Started Bandhan in West Bengal, With
two employees and 2 Lakh as Capital which was
raised from Relative.
 In 2009 Entered into Microfinance and got loan from
SIDBI of 25lakh

5. The Banker
 On 2nd April 2015 RBI issued Banking
license to Bandhan.
 Bandhan started it’s operation as a bank
with initial capital of 2750cr.
 The Bank has a loan book of 29,990cr and
Net worth of 3200cr and over 19500
employees.
 Bandhan Now has 2016 branches all over
the country.

6. Ghosh Philosophy
 Every Indian must have access to basic
banking services.
 “My commitment to the poor remains” he
Clearly mentioned that Bandhan will not
pursued corporate loan in initial years.
 He quotes “ Borrow from India and lend it to
Bharat”.

7. Management Lesson
 Visionary
 Opportunist
 Committed
 Leader

8. The Socialist Banker