• The biggest pain point of Bandhan bank is the microfinance loan book. • Around 65% is a microfinance loan book. • There is a problem in microfinance as the collection efficiency has been hampered a lot. • Bandhan Bank is a normal bank not like a small finance bank. But still microfinance book is still more. • So the collection efficiency has been impacted. • At this time, It is recommended to stick with big banks. The banks which are managing very well is one should look at.