Bandhan Bank will face a hit of 200 million rupees from the change in insurance norms against an expected drop of 200 million rupees in revenue from the proposed cuts in insurance fees, Bandhan Banks CEO Partha Pratim Sengupta warns of possible ripple effects across the banking industry. To face these challenges, the bank should redesign its business model and focus on improving the distribution of mutual funds. Moreover, its limited exposure to the drought-affected areas of Karnataka and Maharashtra helps reduce overall financial risks.