by Suman Gupta
July 31, 2025, Mumbai: The Board of Directors of DCB Bank Ltd. (BSE: 532772; NSE: DCB) at its meeting in Mumbai on July 31, 2025, approved the unaudited financial results for the quarter ended June 30, 2025 (Q1 FY 2026) along with limited review report by statutory auditors ‘Varma & Varma, Chartered Accountants’ and ‘B S R & Co. LLP, Chartered Accountants’.
Highlights:
- The Bank’s Profit After Tax (PAT) for Q1 FY 2026 was at INR 157 Cr. In comparison Profit After Tax for Q1 FY 2025 was at INR 131 Cr., growth of 20%.
- Advances growth year-on-year was at 21% (Year-on-year Mortgages growth 17%, Colending growth 162%, Construction Finance growth 34% and Agri & Inclusive Banking growth 12%) and Deposits growth year-on-year was at 20%.
- The Gross NPA as on June 30, 2025, was at 2.98%. Net NPA was at 1.22% as on June 30, 2025.
The Provision Coverage Ratio (PCR) as on June 30, 2025 was at 74.04% and PCR without considering Gold Loans NPAs was at 75.00%.
- Capital Adequacy continues to be strong and as on June 30, 2025, the Capital Adequacy Ratio was at 16.66% (with Tier I at 14.20% and Tier II at 2.46% as per Basel III norms).
Speaking on the Q1 FY 2026 results Mr. Praveen Kutty, Managing Director & CEO said,
“We are happy with the consistency demonstrated on both the top line and the bottom line, quarter after quarter. Managing the NIM in a challenging environment by optimizing the cost of funds has been a highlight of the quarter Q1. We are focused on reducing the slippage ratio and continue to ensure that cost to average assets ratio improves even further going forward”.
Key Balance Sheet Parameters
| INR Cr. | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 |
| Total Assets | 77,395 | 76,810 | 71,567 | 68,955 | 64,516 |
| Deposits | 62,039 | 60,031 | 56,678 | 54,532 | 51,690 |
| Net Advances | 51,215 | 51,047 | 47,780 | 44,465 | 42,181 |
| Investments | 19,948 | 20,150 | 17,963 | 18,205 | 16,652 |
| Shareholders’ Equity | 5,840 | 5,691 | 5,489 | 5,351 | 5,185 |
| Gross NPA Ratio | 2.98% | 2.99% | 3.11% | 3.29% | 3.33% |
| Net NPA Ratio | 1.22% | 1.12% | 1.18% | 1.17% | 1.18% |
| Coverage Ratio | 74.04% | 74.48% | 74.76% | 75.62% | 76.00% |
| CASA Ratio | 23.32% | 24.52% | 25.09% | 25.61% | 25.41% |
| Credit Deposit Ratio | 82.55% | 85.03% | 84.30% | 81.54% | 81.60% |
DCB Bank Unaudited Results for the Quarter ended June 30, 2025
| INR Cr. | Q1 FY 2025-26 | Q4 FY 2024-25 | Q3 FY 2024-25 | Q2 FY 2024-25 | Q1 FY 2024-25 | FY 2024-25 |
| Interest Income | 1,814 | 1,742 | 1,671 | 1,568 | 1,489 | 6,471 |
| Interest Expense | (1,233) | (1,184) | (1,128) | (1,059) | (992) | (4,364) |
| Net Interest Income | 581 | 558 | 543 | 509 | 497 | 2,107 |
| Non-Interest Income | 236 | 219 | 184 | 205 | 143 | 750 |
| Total Income | 817 | 777 | 727 | 714 | 640 | 2,857 |
| Operating Expenses | (490) | (472) | (456) | (459) | (435) | (1,820) |
| Operating Profit | 327 | 305 | 271 | 255 | 205 | 1,037 |
| Provisions other than Tax | (115) | (67) | (67) | (46) | (28) | (208) |
| Net Profit Before Tax | 212 | 238 | 204 | 209 | 177 | 829 |
| Tax | (55) | (61) | (53) | (54) | (46) | (214) |
| Net Profit After Tax | 157 | 177 | 151 | 155 | 131 | 615 |
About DCB Bank : DCB Bank Limited is a new generation private sector bank with 465 branches across 20 states and 2 union territories. It is a scheduled commercial bank regulated by the Reserve Bank of India. It is professionally managed and governed. DCB Bank has contemporary technology and infrastructure, including state-of-the-art India’s first Aadhaar number & fingerprint based biometric ATMs, and internet banking for personal as well as business banking customers.
The Bank’s business segments are Retail, micro-SMEs, SMEs, mid-Corporate, Microfinance Institutions (MFI), Agriculture, Commodities, Government, Public Sector, Indian Banks, Cooperative Banks and Non Banking Finance Companies (NBFC).
A presentation for investors is separately available athttp://www.dcbbank.com
