New-generation private-sector bank focused on secured retail, SME/MSME, agri and gold-loan lending across India.
Reported
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | 2,050 | +12.5% YoY | Quarterly, as filed | Quarter to Sept 2026 | Revenue from operations as filed. |
| Operating margin | Operating profit / revenue | Quarter to Sept 2026 | Not in the filed figures for the quarter to sept 2026. No older figure is substituted. | ||
| Net profit | 236 | +28.3% YoY | Quarterly, as filed | Quarter to Sept 2026 | Profit after tax as filed. |
| Return on equity | 12.12 | +0.5 pts | Trailing twelve months | TTM to Sept 2026 | Adjusted profit attributable to owners ÷ average owners’ equity. |
| Free cash flow margin | Fiscal year | FY ending Mar 2026 | Not in the analysed materials. No older figure is substituted. | ||
| Revenue growth (YoY) | 10.67 | −6.3 pts | Trailing twelve months | TTM to Sept 2026 | Revenue change against the same period one year earlier. |
Guidance
4 of 5 judged targets kept · 18 open · verdicts reflect calls analysed to Q1 FY27.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| ROA | 1% for FY26 | Q2 FY25 | No new update. Promise was for FY26 and has been concluded. | Achieved* |
| Employee Count | ~13,000 by end of FY27 | Q4 FY26 | No update provided on headcount numbers or progress towards the 13,000 target. | Ghosted |
| Loan Growth | 20% sustainably | Q2 FY25 | Q1 FY27 advances grew 17.1% YoY, which is below the revised guidance of 18-20%. The trajectory is currently at risk of missing the sustained target. | Revised Down |
1 of DCB Bank's 23 targets was missed. See which ones, and which are quietly gone. The 3 above are the free sample; 20 more targets are in the full ledger.
Claimed
Qualified
Price
1Y: ₹157.67 on 24 Oct 2025 → ₹194.9. High ₹229.55 (8 Sept 2026), low ₹154.87 (30 Oct 2025).
Overview
Based on the company's own presentations, annual report and earnings calls.
DCB Bank is a new-generation scheduled private-sector commercial bank promoted by the Aga Khan Fund for Economic Development, built around granular, secured small-ticket lending rather than large corporate exposures. It takes CASA, NRI, recurring and fixed deposits and lends through mortgages/loan-against-property, gold loans, agri and construction finance, commercial vehicle, tractor and auto loans, working capital/overdraft and co-lending, alongside SME/MSME, educational-institutional and corporate banking. It also earns fee income from cards (including co-branded DCB Niyo cards), payments (UPI, IMPS/NEFT/RTGS, POS), remittances and third-party distribution of life, general and health insurance and mutual funds through its branch network.
Segments
close before → close after
The move from the last close before each results date to the first close after it — the market's first read on the quarter, not the quarter itself.
Guidance
4 of 5 judged targets kept · 18 open · verdicts reflect calls analysed to Q1 FY27.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| ROA | 1% for FY26 | Q2 FY25 | No new update. Promise was for FY26 and has been concluded. | Achieved* |
| Employee Count | ~13,000 by end of FY27 | Q4 FY26 | No update provided on headcount numbers or progress towards the 13,000 target. | Ghosted |
| Loan Growth | 20% sustainably | Q2 FY25 | Q1 FY27 advances grew 17.1% YoY, which is below the revised guidance of 18-20%. The trajectory is currently at risk of missing the sustained target. | Revised Down |
Claimed
Qualified
The full ledger
A free account opens 5 company ledgers a month. All 23 tracked commitments, with each call’s wording and source.
Call summaries
DCB Bank Q1 FY27
DCB Bank delivered a strong Q1 FY27 with record PAT of INR 213 crores, up 36% YoY, and an improved ROE of 13.61%. The bank achieved robust growth in deposits (20.06% YoY) and advances (17.06% YoY), alongside a 15 bps NIM expansion to 3.35% driven by effective cost management. Asset quality continued to improve with GNPA at 2.43% and Net NPA at 0.84%, while cost to average assets reached a historical low of 2.42%.
Read the full callDCB Bank Q4 FY26
DCB Bank reported its highest ever quarterly and annual profits in Q4 FY26 and FY26 respectively, driven by robust advances and deposit growth, and significant NIM expansion. Asset quality showed marked improvement with NPAs at 7-year lows and a reduced slippage ratio. While operational efficiency improved, management expressed caution regarding geopolitical risks and highlighted the need to improve Current Account growth and SME/MSME segment performance.
Read the full callDCB Bank Q3 FY26
DCB Bank delivered a strong Q3 FY26 performance, marked by robust growth in both advances and deposits, significant improvement in asset quality, and expanding Net Interest Margins. Despite a one-time regulatory expense, profitability saw a healthy increase, with the bank maintaining its long-term ROE and credit growth guidance. Strategic shifts in the lending portfolio and focus on cost management contributed to the positive results.
Read the full callEvery analysed call
Fundamentals
Current values with the period they cover; the trend reads across the 6 fiscal years held (Mar 2021 to Mar 2026).
Financials
Net profit, year on year: +28% (quarter to sept 2026 against sept 2025).
| Line item | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sept 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 1,671 | 1,742 | 1,814 | 1,823 | 1,861 | 1,907 | 1,984 | 2,050 |
| Expenses | 523 | 539 | 605 | 539 | 597 | 594 | 593 | 630 |
| Other income | 184 | 219 | 236 | 186 | 221 | 212 | 196 | 249 |
| Interest | 1,128 | 1,184 | 1,233 | 1,227 | 1,236 | 1,252 | 1,300 | 1,352 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 204 | 238 | 212 | 243 | 249 | 273 | 287 | 318 |
| Tax rate | 26.0% | 26.0% | 26.0% | 24.0% | 26.0% | 25.0% | 26.0% | 26.0% |
| Net profit | 151 | 177 | 157 | 184 | 185 | 206 | 213 | 236 |
| EPS (₹ per share) | 4.83 | 5.63 | 5 | 5.84 | 5.74 | 6.39 | 6.62 | 7.34 |
| Line item | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Sales | 4,200 | 5,363 | 6,470 | 7,405 |
| Expenses | 1,499 | 1,680 | 2,029 | 2,335 |
| Other income | 408 | 474 | 751 | 855 |
| Interest | 2,483 | 3,434 | 4,364 | 4,948 |
| Depreciation | 0 | 0 | 0 | 0 |
| Profit before tax | 627 | 723 | 829 | 977 |
| Net profit | 465 | 537 | 614 | 732 |
| Line item | Mar 2023 | Mar 2024 | Mar 2025 | Sept 2025 | Mar 2026 | Sept 2026 |
|---|---|---|---|---|---|---|
| Equity capital | 312 | 313 | 314 | 315 | 322 | 322 |
| Reserves | 4,255 | 4,758 | 5,376 | 5,654 | 6,213 | 6,610 |
| Borrowings | 4,118 | 6,219 | 9,115 | — | 6,086 | 5,751 |
| Deposits | 41,239 | 49,353 | 60,031 | — | 72,583 | 76,839 |
| Other liabilities | 2,443 | 2,393 | 1,973 | 2,216 | 2,865 | 3,126 |
| Total liabilities | 52,366 | 63,037 | 76,810 | 78,890 | 88,069 | 92,648 |
| Fixed assets | 783 | 841 | 832 | 893 | 949 | 979 |
| Capital work in progress | 44 | 24 | 66 | 0 | 41 | 0 |
| Investments | 12,582 | 16,211 | 20,150 | 20,496 | 20,378 | 21,375 |
| Other assets | 38,957 | 45,961 | 55,761 | 57,501 | 66,702 | 70,294 |
| Total assets | 52,366 | 63,037 | 76,810 | 78,890 | 88,069 | 92,648 |
| Line item | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Return on equity | 9.0% | 7.0% | 11.0% | 11.0% | 11.0% | 12.0% |
| Dividend payout | 0.0% | 11.0% | 8.0% | 7.0% | 7.0% | 6.0% |
The businesses behind the company’s reported revenue.
Retail Banking contributes 72.7% of reported segment revenue.
Quarter ended 30 Jun 2026 · Standalone
₹1,844.29 crore
₹490.21 crore
₹149.65 crore
₹52.22 crore
₹0.00 crore
| Business segment | Revenue · ₹ crore | Share |
|---|---|---|
| Retail Banking | 1,844.29 | 72.7% |
| Treasury Operations | 490.21 | 19.3% |
| Corporate / Wholesale Banking | 149.65 | 5.9% |
| Other Banking Operations | 52.22 | 2.1% |
| Unallocable | 0.00 | 0.0% |
Share = segment revenue ÷ total segment revenue, before intersegment adjustments.
Intersegment transactions are between the company’s own businesses. Net segment revenue can differ from income-statement revenue because reporting definitions differ.
Source: FinEdge · Last checked 19 Sept 2026. Reported segment names are kept as supplied.
Ownership
Public hold 37.91% as of Sept 2026; institutions added 0.11 pts since Jun 2026.
since Jun 2026
Disclosed holders that added to a position or appeared on the register for the first time, biggest addition first.
The same filing shows 3 holders trimming and 2 off the list — both are in the register beside this.
Named in the Sep 2026 filing
Every holder of DCB Bank above SEBI's 1% disclosure line, and what changed since Jun 2026.
| Holder | Stake | Change |
|---|---|---|
| 15.46% | unchanged | |
| Mutual fund | 5.03% | unchanged |
| Mutual fund | 4.76% | unchanged |
| Mutual fund | 3.79% | unchanged |
| Mutual fund | 3.16% | −0.17 pp |
| Mutual fund | 2.43% | +0.46 pp |
| Mutual fund | 2.01% | +0.07 pp |
| Mutual fund | 1.89% | −0.73 pp |
| VC / PE | 1.71% | −1.15 pp |
| Foreign bank / ODI | 1.58% | newly disclosed |
| FPI fund | 1.52% | unchanged |
| Insurer | 1.23% | newly disclosed |
A holder disappearing from this list has fallen below the 1% line — it is not necessarily a sale. Percentages are of total shares, as disclosed in the company's own filing. Who was buying across the market this quarter.
Your own record
Free account: one company. Everything above stays public.
Write why you follow DCB Bank and the condition you want checked. Inve compares your numeric conditions with available results and management guidance; your own conditions remain yours to review.
Keep reading
Guides on how to read this kind of business and the numbers that matter.
