BusinessBandhan Bank CEO: Microcredit Is Business Credit, Not Personal Loan
Chandra Shekhar Ghosh, founder and former MD and CEO of Bandhan Bank, discussed the bank's evolution from a microfinance institution to a universal bank. He emphasized that microcredit should be viewed as business credit rather than personal loans. Ghosh highlighted the need for a formal banking structure to sustain services for the poorest, explaining that a universal bank offers risk mitigation and broader business scope beyond niche lending.
Business Standard··New Delhi



