Key Financial Performance

Profitability Metrics

  • Profit After Tax (PAT): ₹236 Cr for Q2 FY2027, compared to ₹184 Cr in Q2 FY2026, representing 29% YoY growth
  • Net Profit Before Tax: ₹318 Cr for Q2 FY2027
  • Tax Expense: ₹82 Cr for Q2 FY2027
  • Operating Profit: ₹383 Cr for Q2 FY2027
  • Net Interest Income: ₹699 Cr for Q2 FY2027
  • Non-Interest Income: ₹249 Cr for Q2 FY2027
  • Total Income: ₹948 Cr for Q2 FY2027
  • Operating Expenses: ₹565 Cr for Q2 FY2027
  • Provisions other than Tax: ₹65 Cr for Q2 FY2027

Quarterly Comparison (INR Cr)

| Parameter | Q2 FY2027 | Q1 FY2027 | Q4 FY2026 | Q3 FY2026 | Q2 FY2026 | FY2026 |

| Interest Income | 2,051 | 1,984 | 1,907 | 1,861 | 1,823 | 7,404 |

| Interest Expense | (1,352) | (1,300) | (1,252) | (1,236) | (1,227) | (4,948) |

| Net Interest Income | 699 | 684 | 655 | 625 | 596 | 2,457 |

| Non-Interest Income | 249 | 196 | 212 | 221 | 186 | 855 |

| Total Income | 948 | 880 | 867 | 846 | 782 | 3,312 |

| Operating Expenses | (565) | (536) | (525) | (523) | (478) | (2,016) |

| Operating Profit | 383 | 344 | 342 | 323 | 304 | 1,296 |

| Provisions other than Tax | (65) | (57) | (69) | (74) | (61) | (319) |

| Net Profit Before Tax | 318 | 287 | 273 | 249 | 243 | 977 |

| Tax | (82) | (74) | (67) | (64) | (59) | (245) |

| Net Profit After Tax | 236 | 213 | 206 | 185 | 184 | 732 |

Balance Sheet Parameters (as of September 30, 2026)

Absolute Values (INR Cr)

  • Total Assets: ₹92,648
  • Deposits: ₹76,839
  • Net Advances: ₹64,127
  • Investments: ₹21,375
  • Shareholders' Equity: ₹6,941

Growth Rates

  • Advances Growth: 21% YoY
  • Deposits Growth: 19% YoY

Asset Quality

  • Gross NPA Ratio: 2.29% (multi-year low)
  • Net NPA Ratio: 0.73% (multi-year low)
  • Provision Coverage Ratio (PCR): 81.38%
  • PCR without considering Gold Loans NPAs: 82.01%

Other Key Ratios

  • Capital Adequacy Ratio: 16.63% (Basel III norms)
  • Tier I: 14.57%
  • Tier II: 2.06%
  • CASA Ratio: 22.30%
  • Credit Deposit Ratio: 83.46%

Historical Comparison of Key Metrics

| Parameter | Sep 2026 | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 |

| Total Assets (₹Cr) | 92,648 | 88,752 | 88,069 | 81,840 | 78,890 |

| Deposits (₹Cr) | 76,839 | 74,482 | 72,583 | 67,754 | 64,777 |

| Net Advances (₹Cr) | 64,127 | 59,951 | 60,022 | 56,600 | 52,975 |

| Investments (₹Cr) | 21,375 | 20,873 | 20,378 | 19,620 | 20,496 |

| Shareholders' Equity (₹Cr) | 6,941 | 6,771 | 6,535 | 6,350 | 5,973 |

| Gross NPA Ratio | 2.29% | 2.43% | 2.45% | 2.72% | 2.91% |

| Net NPA Ratio | 0.73% | 0.84% | 0.89% | 1.10% | 1.21% |

| Coverage Ratio | 81.38% | 79.81% | 78.42% | 75.35% | 74.15% |

| CASA Ratio | 22.30% | 21.65% | 22.38% | 22.77% | 23.52% |

| Credit Deposit Ratio | 83.46% | 80.49% | 82.69% | 83.54% | 81.78% |

Management Commentary

Mr. Praveen Kutty, Managing Director & CEO, stated: "Robust growth in both deposits and advances, steadily increasing operating profit, Gross NPA & Net NPA at multi year lows and PCR at multi year high, culminating in the highest ever quarterly PAT for the fifth consecutive quarter, ROA in excess of 1% and ROE in excess of 14.5%."

Business Overview

  • Branches: 483 branches across 20 states and 2 union territories (as of September 30, 2026)
  • Business Segments: Retail, micro-SMEs, SMEs, mid-Corporate, Microfinance Institutions (MFI), Agriculture, Government, Public Sector, Indian Banks, Co-operative Banks and Non Banking Finance Companies (NBFC)
  • Regulatory Status: Scheduled commercial bank regulated by the Reserve Bank of India

Additional Information

  • Investor Presentation: Available separately at www.dcb.bank.in
  • Financial Numbers: Rounded off to nearest whole number
  • Statutory Auditors: Varma & Varma, Chartered Accountants and Deloitte Haskins & Sells, Chartered Accountants provided limited review report
  • Board Approval Date: October 23, 2026