DCB Bank announced its Q3 FY2026 results, showcasing strong performance. PAT increased by 22% to ₹185 crores. Total business crossed ₹1,24,000 crores. Advances grew by 18.46% Y-o-Y and deposits increased by 19.54% Y-o-Y. The bank maintains a healthy capital adequacy ratio of 15.84%. Focus remains on secured lending to self-employed individuals, MSMEs, and retail customers.
Financial Performance Q3 FY26
DCB Bank reported a robust Q3 FY26 performance, marked by significant growth across key metrics:
- Profit After Tax (PAT): Increased by 22% to ₹185 crores.
- Total Business: Crossed ₹1,24,000 crores.
- Advances Growth: +18.46% Y-o-Y.
- Deposits Growth: +19.54% Y-o-Y.
- Capital Adequacy Ratio: Healthy at 15.84%.
- CASA Ratio: 22.77%
- Gross NPA: 2.72%
- Net NPA: 1.10%
Key Business Segments
The bank continues to focus on specific segments to drive growth:
- Self-employed individuals.
- MSME/SME sector.
- Retail segment.
DCB Bank is expanding its branch network and leveraging technology to enhance customer engagement.
Strategic Initiatives
DCB Bank is focused on the following strategies:
- Diversifying its portfolio with secured lending.
- Improving cost productivity and operational risk management.
- Strengthening credit underwriting and monitoring processes.
- Investing in digital capabilities to improve customer experience.
- Forming strategic alliances.
Digital Footprint Expansion
The bank is seeing continued growth in its digital transaction volumes. Key highlights include:
- Digital Transactions: 99% of total transactions.
- Personal Internet Banking Transactions: 4.2 Lakhs.
- Mobile Banking Financial Transactions: 25.4 Lakhs.
Awards and Recognitions
DCB Bank continues to receive recognition for its achievements:
- Recognized as India’s Best Workplaces in Banks 2025.
- Recognized among India’s Best Workplaces in BFSI 2025: Top 50.
- Gold Award in Process Innovation & Platinum award in Modern Technology Led Innovation Category at Infosys Finacle Innovation Awards 2025.
Source: BSE
