DCB Bank Registers Highest Ever Quarterly Profit After Tax in Q1 FY2027, Reporting 36% PAT Growth
DCB Bank Ltd. has announced its unaudited financial results for the first quarter of fiscal year 2027 (Q1 FY2027), ending June 30, 2026. The bank reported a significant increase in Profit After Tax (PAT) compared to the previous year's corresponding quarter, supported by strong growth in deposits and advances.The Board of Directors approved the Q1 FY2027 results, which were reviewed by statutory auditors Varma & Varma, Chartered Accountants and Deloitte Haskins & Sells, Chartered Accountants.
Key Financial Highlights
The Bank's Profit After Tax (PAT) for Q1 FY 2027 stood at INR 213 Cr., marking a 36% growth compared to the PAT of INR 157 Cr. recorded in Q1 FY2026.Operational performance showed robust underlying strength, with deposits growing year-on-year by 20%, and advances growing by 17%.
The bank maintained stringent asset quality standards during the quarter. As on June 30, 2026, Gross Non Performing Assets (NPA) stood at 2.43%, while Net NPA was reported at 0.84%. The Provision Coverage Ratio (PCR) stood at 79.81%, and when excluding Gold Loans NPAs, the PCR was 80.46%.
In terms of capital strength, the Capital Adequacy Ratio (CAR) as of June 30, 2026 was 17.03%. This ratio included a Tier I component of 14.90% and a Tier II component of 2.13%, adhering to Basel III norms.
Management Perspective
Praveen Kutty, Managing Director & CEO, commented on the results, noting that the growth momentum in both deposits and advances remained strong across the year. He attributed the marked improvement in profitability to operational efficiency and portfolio quality enhancements."The combination of cost to average assets being at a historic low, along with continued improvements in portfolio quality characterized by lower credit costs and lower gross and net NPAs, has enabled the Bank to register the highest ever quarterly PAT," Mr. Kutty stated. He added that this performance secures the fourth consecutive quarter of profitability, reporting a 2.05% improvement in Return on Equity (ROE) since last year.
Financial Parameters Overview
The financial health and operational scale of DCB Bank are detailed across various parameters, demonstrating steady growth across multiple quarters.Key Balance Sheet Parameters (INR Cr.)
| Indicator | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 |
|---|---|---|---|---|---|
| Total Assets | 88,752 | 88,069 | 81,840 | 78,890 | 77,395 |
| Deposits | 74,482 | 72,583 | 67,754 | 64,777 | 62,039 |
| Net Advances | 59,951 | 60,022 | 56,600 | 52,975 | 51,215 |
| Investments | 20,873 | 20,378 | 19,620 | 20,496 | 19,948 |
| Shareholders' Equity | 6,771 | 6,535 | 6,350 | 5,973 | 5,840 |
| Gross NPA Ratio | 2.43% | 2.45% | 2.72% | 2.91% | 2.98% |
| Net NPA Ratio | 0.84% | 0.89% | 1.10% | 1.21% | 1.22% |
| Coverage Ratio | 79.81% | 78.42% | 75.35% | 74.15% | 74.04% |
| CASA Ratio | 21.65% | 22.38% | 22.77% | 23.52% | 23.32% |
| Credit Deposit Ratio | 80.49% | 82.69% | 83.54% | 81.78% | 82.55% |
Audited Results for the Quarter ended June 30, 2026 (INR Cr.)
| Metric | Q1 FY 2026-27 | Q4 FY 2025-26 | Q3 FY 2025-26 | Q2 FY 2025-26 | Q1 FY 2025-26 | FY 2025-26 |
|---|---|---|---|---|---|---|
| Interest Income | 1,984 | 1,907 | 1,861 | 1,823 | 1,814 | 7,404 |
| Interest Expense | (1,300) | (1,252) | (1,236) | (1,227) | (1,233) | (4,948) |
| Net Interest Income | 684 | 655 | 625 | 596 | 581 | 2,457 |
| Non-Interest Income | 196 | 212 | 221 | 186 | 236 | 855 |
| Total Income | 880 | 867 | 846 | 782 | 817 | 3,312 |
| Operating Expenses | (536) | (525) | (523) | (478) | (490) | (2,016) |
| Operating Profit | 344 | 342 | 323 | 304 | 327 | 1,296 |
| Provisions other than Tax | (57) | (69) | (74) | (61) | (115) | (319) |
| Net Profit Before Tax | 287 | 273 | 249 | 243 | 212 | 977 |
| Tax | (74) | (67) | (64) | (59) | (55) | (245) |
| Net Profit After Tax | 213 | 206 | 185 | 184 | 157 | 732 |
About DCB Bank Ltd.
DCB Bank Limited is a scheduled commercial bank regulated by the Reserve Bank of India, operating as a new generation private sector bank. As of June 30, 2026, the bank had 480 branches across 20 states and two union territories. It is professionally managed and governed, offering contemporary technology and infrastructure including state-of-the-art internet and mobile banking apps for personal and business customers. The Bank's business segments encompass Retail, micro-SMEs, SMEs, mid-Corporate, Microfinance Institutions (MFI), Agriculture, Government, Public Sector, Indian Banks, Co-operative Banks and Non Banking Finance Companies (NBFC).DCBBANK Stock Price Movement
Shares of DCB Bank Limited today slipped by 1.26% to settle at ₹186.24, trailing a move that saw the equity drop significantly against its previous close. The stock traded amidst volatility after reaching an intraday low of ₹184.75 amid over one million shares transacted.Disclaimer: Due care and diligence have been taken in compiling and presenting news and market-related content. However, errors or omissions may arise despite such efforts.
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