DCB Bank | Business Upturn

DCB Bank Q4 FY26 results: NII rises 17.4%, profit grows 16.2%; asset quality stable QoQ

Markets Desk — Fri, 24 Apr 2026 10:35:09 +0000

DCB Bank reported a steady performance for the quarter ended March 31, 2026, with both net interest income (NII) and profit registering healthy year-on-year growth, while asset quality metrics remained largely stable on a sequential basis.

The bank’s NII stood at ₹655 crore, marking a 17.4% increase compared to ₹558 crore reported in the same quarter last year. The growth reflects continued traction in core lending operations and stable interest income generation.

Net profit for the quarter came in at ₹205.6 crore, up 16.2% from ₹177 crore in the corresponding period last year, indicating consistent earnings momentum despite a challenging operating environment.

On the asset quality front, DCB Bank reported largely stable trends on a quarter-on-quarter basis. Gross non-performing assets (GNPA) stood at 2.99% compared to 2.72% in the previous quarter, while net non-performing assets (NNPA) were at 1.12% versus 1.10% sequentially. The marginal uptick suggests some pressure, though overall asset quality remains within a manageable range.

In absolute terms, gross NPAs were reported at ₹1,554.43 crore, slightly lower than ₹1,567.51 crore in the previous quarter, while net NPAs stood at ₹571.55 crore compared to ₹622.98 crore QoQ, indicating some improvement in recoveries and provisioning.

The bank’s return on assets (RoA) stood at 0.95% on an annualised basis, compared to 0.91% in the previous quarter, reflecting a modest improvement in profitability ratios.

The bank has recommended a dividend of ₹1.45 per equity share of face value ₹10 each for the financial year, subject to approval of shareholders at the ensuing Annual General Meeting (AGM) and other requisite approvals. The dividend will be paid within the prescribed timelines following shareholder approval, while the record date for the same will be announced separately to the stock exchanges.

In addition, the board has approved an enabling resolution to raise funds of up to ₹1,500 crore through the issuance of equity shares or other securities convertible into equity shares, including via Qualified Institutions Placement (QIP). The proposed fundraise is subject to shareholder approval and other regulatory clearances, and may be undertaken as required from time to time.

Overall, DCB Bank’s performance for the quarter was supported by steady income growth and stable asset quality trends, even as marginal movements in NPA ratios suggest close monitoring going forward.

Disclaimer: This article is based solely on the data provided and is for informational purposes only. It does not constitute investment advice.

DCB Bank shares rally sharply over 8% today as Q3 NII jumps 15% YoY to Rs 625 crore, net profit up 22%

Aman Shukla — Tue, 27 Jan 2026 04:06:51 +0000

Shares of DCB Bank surged sharply in morning trade after the lender reported a strong set of Q3 FY26 earnings, with improvement across core profitability metrics and asset quality. The stock climbed more than 8% intraday, touching a fresh 52-week high of ₹197.90 on the NSE, reflecting positive investor reaction to the results.

In the December quarter of FY26, DCB Bank reported a 15% year-on-year rise in net interest income, which came in at ₹625 crore compared with ₹543 crore in the corresponding quarter last year. Operating profit for the quarter increased 19.1% year-on-year to ₹323 crore, up from ₹271 crore, supported by steady loan growth and controlled operating costs.

Net profit for the quarter stood at ₹185 crore, registering a 22% year-on-year increase from ₹151 crore reported in Q3 FY25. Provisions rose 10.3% to ₹74.1 crore compared with ₹67.2 crore a year earlier, even as the bank continued to show improvement in asset quality indicators.

On the asset quality front, gross non-performing assets declined on a sequential basis to 2.72% from 2.91% in the previous quarter, while net NPA improved to 1.1% from 1.21% quarter-on-quarter. The sequential improvement in both gross and net NPAs indicated relatively stable credit performance during the quarter.

Following the earnings announcement, DCB Bank shares opened at ₹188.49, above the previous close of ₹182.90. During the session, the stock moved between an intraday low of ₹188.00 and a high of ₹197.90. With this move, the stock reached its 52-week high, while the 52-week low stands at ₹101.41.

Disclaimer: The information provided is for informational purposes only and should not be considered financial or investment advice. Stock market investments are subject to market risks. Always conduct your own research or consult a financial advisor before making investment decisions. Author or Business Upturn is not liable for any losses arising from the use of this information.

DCB Bank shares rally over 10% as Q2 NII rises 17% YoY to Rs 596.21 crore, net profit up 18.3%

Aman Shukla — Mon, 20 Oct 2025 04:17:28 +0000

DCB Bank’s shares jumped over 10% after the private sector lender posted robust Q2FY26 results, reflecting strong growth in both revenue and profits. As of 9:45 AM, the shares were trading 9.14% higher at Rs 140.82.

The bank reported a 17% increase in Net Interest Income (NII), reaching Rs 596.21 crore compared to Rs 509.16 crore in the same quarter last year. Operating profit rose 19.1% to Rs 304 crore, while net profit surged 18.3% to Rs 184 crore from Rs 155 crore in Q2FY25.

Despite a 32.7% rise in provisions to Rs 60.5 crore, DCB Bank maintained stable asset quality, with Gross NPA slightly improving to 2.91% and Net NPA holding steady at 1.21% quarter-on-quarter.

DCB Bank shares jump 6% as Q4 NII rises 9.9% YoY to Rs 558 crore

Aman Shukla — Mon, 28 Apr 2025 04:14:56 +0000

DCB Bank shares surged over 6% in morning trade after the lender announced its Q4 results. As of 9:43 AM, the shares were trading 6.38% higher at Rs 135.14.

The bank reported a strong 13.7% year-on-year (YoY) rise in net profit for the fourth quarter of FY24. Net profit climbed to ₹177 crore, compared to ₹155.7 crore in the same quarter last year, driven by improved earnings and asset quality.

The bank’s net interest income (NII) also witnessed a 9.9% YoY growth, reaching ₹558 crore, up from ₹507.6 crore a year earlier. This strong performance reflects DCB Bank’s solid business momentum and effective cost management strategies.

In a positive sign for investors, DCB Bank reported better asset quality with its gross non-performing asset (NPA) ratio improving to 2.99%, down from 3.11% in the previous quarter. The net NPA ratio also dropped to 1.12% from 1.18% sequentially, indicating stronger loan book health.

Further boosting investor sentiment, the bank’s board recommended a dividend of ₹1.35 per equity share, subject to approval at the upcoming Annual General Meeting (AGM).

Disclaimer: The information provided is for informational purposes only and should not be considered financial or investment advice. Stock market investments are subject to market risks. Always conduct your own research or consult a financial advisor before making investment decisions. Author or Business Upturn is not liable for any losses arising from the use of this information.

DCB Bank shares surge 8% as net profit grows 20% YoY in Q3

Aman Shukla — Mon, 27 Jan 2025 03:57:34 +0000

DCB Bank witnessed an 8% surge in share prices after announcing its Q3 FY25 financial results, showcasing a strong performance. As of 9:24 AM, DCB Bank shares were trading 5.18% higher at Rs 119.40.

The private sector lender reported a 19.6% year-on-year (YoY) rise in net profit at ₹151.4 crore for the quarter ending December 31, 2024, compared to ₹126.6 crore in the same period last year.

Net Interest Income (NII) grew by 14.5%, reaching ₹543 crore, up from ₹474 crore in Q3 FY24. The bank’s gross non-performing asset (GNPA) ratio improved to 3.11%, compared to 3.29% in the previous quarter, while the net NPA (NNPA) stood at 1.18% versus 1.17% quarter-on-quarter (QoQ).

Advances saw a robust 23% YoY growth, and deposits increased by 20% as of December 31, 2024. The provision coverage ratio (PCR) was 74.76%, with a slightly higher PCR of 75.56% excluding gold loan NPAs.

DCB Bank maintained a healthy capital adequacy ratio of 16.29% under Basel III norms, with Tier I capital at 13.54% and Tier II capital at 2.75%. Operational efficiency indicators included a credit cost of 0.38% and a cost-to-income ratio of 62.70%. Profitability metrics remained strong with a return on assets (ROA) of 0.86% and return on equity (ROE) of 11.98%.

DCB Bank shares opened at ₹114.74 today, reaching a high of ₹123.72 and a low of ₹114.74 during the session. The stock remains in proximity to its 52-week low of ₹107.90, while its 52-week high is ₹145.90.

DCB Bank Q1 Results: Net profit up 4% to ₹131 Crore, NII rises 6%

Aditya Bhagchandani — Wed, 24 Jul 2024 12:50:33 +0000

DCB Bank Ltd reported a net profit of ₹131.4 crore for the first quarter ending June 30, 2024, marking a 3.6% increase from ₹126.9 crore in the same period last year.

The bank’s net interest income (NII) rose by 5.5% to ₹496.6 crore, up from ₹470.7 crore in the previous year. NII is the difference between the interest income earned from lending activities and the interest paid to depositors.

Gross non-performing assets (NPA) stood at 3.33% for the June quarter, slightly up from 3.23% in the March quarter. Net NPA also increased to 1.18% from 1.11% in the previous quarter.

The bank saw a 19% year-on-year growth in advances and a 20% increase in deposits. The provision coverage ratio (PCR) was 76%, with PCR excluding gold loan NPAs at 77.19%.

DCB Bank’s capital adequacy ratio (CAR) remained strong at 15.95%, with tier I at 14% and tier II at 1.95%, as per Basel III norms.

The financial results were released after market hours. Shares of DCB Bank Ltd closed at ₹133.10 on the BSE, up ₹2.15 or 1.64%.

DCB Bank receives RBI approval for 7.5% stake sale to Tata Mutual Fund

Viditha Ganji — Thu, 06 Jul 2023 11:55:21 +0000

DCB Bank, a leading private sector bank, announced on Wednesday that it has obtained approval from the Reserve Bank of India (RBI) to sell up to a 7.5% stake in the bank to Tata Asset Management Private Limited (TAMPL).

According to a regulatory filing by DCB Bank, the acquisition of this stake, representing up to 7.5% of the bank’s paid-up equity capital, will be executed through the schemes of Tata Mutual Fund. The approval granted by the RBI is valid for a period of one year, starting from the date of the RBI’s letter on July 5, 2023.

However, it should be noted that the RBI’s approval is subject to compliance with various regulations and guidelines. These include the relevant provisions of the Banking Regulation Act, 1949, the Master Direction and Guidelines on Acquisition and Holding of Shares or Voting Rights in Banking Companies issued by the RBI on January 16, 2023, as well as the regulations issued by the Securities and Exchange Board of India (SEBI) and the Foreign Exchange Management Act, 1999, among others.

In addition, the RBI has advised Tata Asset Management Private Limited to ensure that its aggregate shareholding in DCB Bank does not exceed 7.5% of the bank’s paid-up capital at any given time. This measure aims to maintain a balanced and controlled ownership structure within the bank.

By forging this strategic partnership with Tata Mutual Fund, DCB Bank is set to enhance its position in the financial market and leverage the expertise and resources of Tata Asset Management. The collaboration between the two entities is expected to yield mutual benefits, fueling growth and delivering value to stakeholders.

With the regulatory green light now secured, DCB Bank and Tata Asset Management Private Limited can move forward with their plans, aligning their strategies and working towards achieving their shared objectives. The investment from Tata Mutual Fund is poised to strengthen DCB Bank’s capital base and provide additional impetus for its future expansion initiatives.

As the partnership between DCB Bank and Tata Mutual Fund takes shape, market observers will closely monitor the developments, anticipating the positive impact it will have on the banking sector and the broader financial landscape.

These banks offer senior citizens fixed deposit interest rates of up to 7.5 percent

Aryan Jakhar — Sun, 11 Sep 2022 02:58:07 +0000

After the Reserve Bank of India (RBI) increased repo rates by 140 points in the previous three months to 5.4%, a number of banks increased the interest rates on their fixed deposit products. Small depositors, who are mostly retirees and who depend on interest from FD and bank deposits as their main source of income, are relieved by the development.

For the investment security that these institutions provide, the majority of senior citizens choose fixed deposits to save their life savings. Banks increase the interest rates on fixed deposits for senior citizens by 30–40 basis points. Depending on the deposit amount and maturity duration, this premium can occasionally be considerably greater.

Let’s look at few banks that pay these senior individuals who deposit money significant interest rates.

IndusInd Bank: For borrowers over 60, the private lender’s Senior Citizen Scheme offers higher interest rates. It was created especially for senior persons.

On deposits of less than Rs 2 crore, elderly persons receive 7.50% on the following maturity periods: 1 year 6 months to below 1 year 7 months, 1 year 7 months to below 2 years, and 2 years to below 2 years. This offer is not applicable to NRO deposits. 6 Months, 2 Years, or Less than 6 Years Indus Tax Saver Scheme, 9 Months, 2 Years, 9 Months to Below 3 Years, 3 Years to Below 61 Months, 61 Month and Above (5 years).

DCB Bank: The lender offers senior citizens 7.10% interest on fixed-rate debt (FD) with maturities ranging from 18 months to less than 700 days, 700 days to less than 36 months, 36 months to more than 60 months, and more than 60 months to 120 months.

RBL Bank: Known for having some of the highest FD rates, the bank gives seniors access to up to 7.25% on deposits under Rs 2 crore with maturities between 24 and 36 months. On deposits under Rs 2 crore with maturities of 36 months to less than 60 months, 60 months to 60 months 1 day, and Tax Savings Fixed Deposit, the bank offers elderly citizens 7.05% interest rates (60 months).

Kotak Mahindra Bank FD Rates: As of September 6, interest on Kotak Mahindra Bank FDs maturing in 390 days to under 23 months will increase to 6%. With maturities ranging from 23 months to under two years, the bank will now provide fixed deposits at an interest rate of 6.10 percent. The lender raised interest rates on FDs with maturities between two and ten years to six percent. FD rates at a rate of 6.10 percent for durations of 23 months to under two years.

DCB Bank Q1 results: Net profit declines by 57% to Rs 34 crore

Diya S. — Mon, 09 Aug 2021 03:54:50 +0000

On August 7, Mumbai-based DCB Bank Limited reported a decline of 57 per cent in net profit at ₹33.76 crore at the end of the June quarter as against ₹79.38 crore in the same quarter of 2020.

DCB Bank stated in a regulatory filing that the total income during April-June 2021-22 had increased to ₹965.67 crore from ₹950.70 crore in the year-ago period.

Furthermore, net interest income was reported to be ₹309 crore as of June 30 as compared to ₹307 crore last year. Net interest margin, as well as net interest income, were negatively affected due to higher slippages along with maintaining higher than “business as usual” liquidity.

As of June 30 2021, bad loans of the bank increased with gross non-performing assets (NPAs) rising to 4.87 per cent of gross loans. Net NPAs jumped to 2.82 per cent from 0.99 per cent at June-end last year and 2.29 per cent by the end of March 2021.

The Managing Director and CEO of DCB Bank, Murali Natrajan stated, “Our chosen strategy of focusing on secured small/ticket lending (as opposed to unsecured lending) for the past many years is certainly helping cope with the impact of COVID-19 lockdown(s) on our portfolio.”

He further added that with an assumption of the third wave to be less severe, they are expecting steady improvement in collections, recoveries as well as new business.