Financial Performance Summary

Profitability Metrics

  • Profit After Tax (PAT) for Q1 FY 2027 was ₹213 Cr, showing 36% YoY growth from ₹157 Cr in Q1 FY 2026
  • Net Profit Before Tax was ₹287 Cr for Q1 FY 2027, compared to ₹212 Cr in Q1 FY 2026
  • Tax expense was ₹74 Cr for Q1 FY 2027, compared to ₹55 Cr in Q1 FY 2026
  • Operating Profit was ₹344 Cr for Q1 FY 2027, compared to ₹327 Cr in Q1 FY 2026

Income Statement Breakdown

| Metric | Q1 FY27 | Q4 FY26 | Q3 FY26 | Q2 FY26 | Q1 FY26 |

| Interest Expense | (1,300) | (1,252) | (1,236) | (1,227) | (1,233) |

| Net Interest Income | 684 | 655 | 625 | 596 | 581 |

| Non-Interest Income | 196 | 212 | 221 | 186 | 236 |

| Total Income | 880 | 867 | 846 | 782 | 817 |

| Operating Expenses | (536) | (525) | (523) | (478) | (490) |

| Provisions other than Tax | (57) | (69) | (74) | (61) | (115) |

Balance Sheet Growth

  • Advances growth year-on-year was 17%
  • Deposits growth year-on-year was 20%
  • Total Assets stood at ₹88,752 Cr as of June 30, 2026
  • Net Advances were ₹59,951 Cr as of June 30, 2026
  • Deposits were ₹74,482 Cr as of June 30, 2026
  • Investments were ₹20,873 Cr as of June 30, 2026
  • Shareholders' Equity was ₹6,771 Cr as of June 30, 2026

Asset Quality Indicators

  • Gross NPA ratio improved to 2.43% as of June 30, 2026 (from 2.98% a year ago)
  • Net NPA ratio improved to 0.84% as of June 30, 2026 (from 1.22% a year ago)
  • Provision Coverage Ratio (PCR) was 79.81% as of June 30, 2026
  • PCR without considering Gold Loans NPAs was 80.46%

Capital Adequacy

  • Capital Adequacy Ratio was 17.03% as of June 30, 2026 (Basel III norms)
  • Tier I capital was 14.90%
  • Tier II capital was 2.13%

Other Key Ratios

  • CASA Ratio: 21.65% as of June 30, 2026
  • Credit Deposit Ratio: 80.49% as of June 30, 2026

Management Commentary

Mr. Praveen Kutty, Managing Director & CEO, stated:

  • Growth momentum continues strong on both deposits and advances
  • Marked improvement on most levers of profitability
  • Cost to average assets is at a historic low
  • Portfolio quality improvement continues with lower credit costs
  • Bank registered the highest ever quarterly PAT for the fourth consecutive quarter
  • ROE improved by 2.05% since last year

Business Overview

  • DCB Bank Limited is a new generation private sector bank
  • 480 branches across 20 states and 2 union territories as of June 30, 2026
  • Business segments include Retail, micro-SMEs, SMEs, mid-Corporate, Microfinance Institutions (MFI), Agriculture, Government, Public Sector, Indian Banks, Co-operative Banks and Non Banking Finance Companies (NBFC)
  • Regulated by the Reserve Bank of India

Additional Information

  • Results approved by the Board of Directors on July 24, 2026
  • Unaudited financial results for quarter ended June 30, 2026
  • Limited review report by statutory auditors 'Varma & Varma, Chartered Accountants' and 'Deloitte Haskins & Sells, Chartered Accountants'
  • Investor presentation available at www.dcb.bank.in
  • Financial numbers are rounded off to nearest whole number