DCB Bank has reported strong financial growth for the financial year ending March 31, 2026. The bank achieved a record annual Profit After Tax (PAT) of INR 732 Cr, representing a 19% year-on-year increase. The quarterly performance also remained robust, with a 16% growth in PAT reaching INR 206 Cr for Q4. Management attributed these results to healthy growth in advances and deposits, alongside significant improvements in asset quality metrics.
Annual and Quarterly Financial Highlights
For the fiscal year 2026, DCB Bank demonstrated consistent growth across key financial parameters. The annual PAT stood at INR 732 Cr compared to INR 615 Cr in the previous year. The fourth quarter performance (January-March 2026) was particularly noteworthy, with PAT reaching INR 206 Cr. This growth was supported by strong income generation, with total income for the year reaching INR 3,312 Cr.
Business Growth and Credit Expansion
The bank reported an 18% year-on-year growth in advances, driven by a diversified portfolio. Key contributors included Co-lending growth of 25%, Agri & Inclusive Banking growth of 19%, and Construction Finance growth of 14%. Deposits also saw significant traction, rising by 21% year-on-year to reach INR 72,583 Cr as of March 31, 2026.
Improvement in Asset Quality
A highlight of the year was the strengthening of the bank’s asset quality. The Gross NPA decreased to 2.45%, while the Net NPA stood at 0.89% as of the end of the fiscal year. These figures represent multi-year lows for the bank. Furthermore, the Provision Coverage Ratio (PCR) remained high at 78.42%, underscoring the bank’s prudent approach to risk management.
Capital Strength
DCB Bank maintains a robust capital position to support its future lending operations. As of March 31, 2026, the Capital Adequacy Ratio was reported at 16.55%, comprising 14.26% Tier I capital and 2.29% Tier II capital, well aligned with Basel III regulatory requirements.
Source: BSE
