Mumbai: DCB Bank Ltd. (BSE: 532772; NSE: DCB), a leading new-generation private sector bank, announced its unaudited financial results for DCB Bank Q1 FY26, reporting a 20% year-on-year increase in Profit After Tax (PAT) to ₹157 crore, compared to ₹131 crore in Q1 FY25.
The bank’s sustained performance reflects its strong balance sheet, prudent risk management, and continued growth across lending segments.
“We are pleased with the consistency in both top and bottom lines. Managing NIMs in a challenging macro environment while optimizing cost of funds was a key highlight this quarter,” said Praveen Kutty, MD & CEO, DCB Bank.
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Key Highlights: DCB Bank Q1 FY26 Performance
- PAT: ₹157 Cr (↑ 20% YoY)
- Net Advances: ₹51,215 Cr (↑ 21% YoY)
- Deposits: ₹62,039 Cr (↑ 20% YoY)
- Gross NPA: 2.98% | Net NPA: 1.22%
- Provision Coverage Ratio (PCR): 74.04%
- Capital Adequacy Ratio: 16.66% (Tier I: 14.20%, Tier II: 2.46%)
DCB Bank Q1 FY26: Segment-Wise Loan Growth YoY
- Co-Lending: ↑ 162%
- Construction Finance: ↑ 34%
- Mortgages: ↑ 17%
- Agri & Inclusive Banking: ↑ 12%
Financial Snapshot – DCB Bank Q1 FY26Metric Q1 FY26 Q1 FY25 Interest Income ₹1,814 Cr ₹1,489 Cr Net Interest Income ₹581 Cr ₹497 Cr Non-Interest Income ₹236 Cr ₹143 Cr Operating Profit ₹327 Cr ₹205 Cr Net Profit ₹157 Cr ₹131 Cr
Despite a slightly elevated Net NPA ratio (up from 1.12% in Q4 FY25), the bank’s asset quality remains stable, supported by a healthy provision coverage.
The CASA ratio, however, saw a marginal dip to 23.32% from 25.41% YoY, reflecting shifts in depositor behavior amid evolving interest rate dynamics.
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DCB Bank continues to focus on improving its Cost-to-Average Assets ratio, reducing slippages, and driving deeper customer engagement across retail, SME, and inclusive banking verticals.