DCB Bank reported robust growth for Q4 FY26, with a profit after tax of INR 206 crore, reflecting a 16.14% year-on-year increase. For the full FY26, the bank achieved a net profit of INR 732 crore, a growth of 18.89%. The total business has crossed INR 1,32,000 crore, supported by a healthy capital adequacy ratio of 16.55% and strong deposit growth of 20.91% compared to the previous year.
Financial Performance Highlights
DCB Bank delivered a resilient financial performance for the quarter and year ended March 31, 2026. The bank’s Profit After Tax (PAT) for Q4 FY26 stood at INR 206 crore, marking a 16.14% increase over the same period last year. On a full-year basis, FY26 PAT reached INR 732 crore, an 18.89% growth compared to FY25. Net Interest Income for the year rose to INR 2,457 crore, representing a 17% improvement.
Business Growth and Portfolio Quality
The bank demonstrated strong momentum in its core banking activities. Total advances grew by 17.58% year-on-year to reach INR 60,022 crore, while deposits saw a significant increase of 20.91%, totaling INR 72,583 crore. The bank’s CASA Ratio remained steady at 22.38%. Asset quality also showed improvement, with Gross NPA reducing to 2.45% and Net NPA at 0.89%. The Provision Coverage Ratio stands strong at 78.42%, reflecting the bank’s prudent risk management approach.
Strategic Outlook and Digital Initiatives
The bank continues to invest heavily in its digital roadmap, launching several initiatives to enhance customer experience, including UPI-Lite Auto Top-up, Application Tracking Mechanisms for loan customers, and the DCB Lens platform for unified lending. With a PAN India network of 480 branches, the bank remains committed to its strategy of granular, secured small-ticket lending, targeting growth in retail mortgages, MSME/SME, and agriculture sectors while maintaining robust capital efficiency for future expansion.
Source: BSE
