DCB Bank FY26 PAT at ₹732 Cr, up 19%; Q4 PAT up 16% to ₹206 Cr
DCB Bank reported FY26 PAT of ₹732 Cr, up 19% from FY25's ₹615 Cr. Q4 FY26 PAT rose 16% to ₹206 Cr. Advances grew 18% YoY, while deposits increased 21% YoY. GNPA was 2.45% and NNPA was 0.89% as of March 31, 2026. CAR stood at 16.55%.
The announcement includes significant financial results like profit growth, advances and deposit growth, and key asset quality metrics, which are material information for investors.
The bank reported strong year-on-year growth in both profit after tax and advances, along with improved asset quality metrics. The CEO's commentary also reflects a positive outlook.
DCB Bank Limited announced its audited financial results for the fourth quarter and fiscal year ended March 31, 2026. The Board of Directors approved the results on April 24, 2026.
For the fourth quarter of FY 2026 (Q4 FY 2026), the Bank reported a Profit After Tax (PAT) of ₹206 Crore, marking a 16% increase compared to ₹177 Crore in Q4 FY 2025. For the full fiscal year 2026 (FY 2026), the PAT stood at ₹732 Crore, a significant 19% growth from ₹615 Crore in FY 2025.
The bank witnessed robust growth in its balance sheet, with advances growing by 18% year-on-year. Specific segments showed strong performance: Mortgages grew by 8%, Co-lending by 25%, Construction Finance by 14%, and Agri & Inclusive Banking by 19%. Deposits also saw a healthy year-on-year growth of 21%.
Asset quality indicators remained strong as of March 31, 2026. The Gross NPA ratio was 2.45%, and the Net NPA ratio was 0.89%. The Provision Coverage Ratio (PCR) stood at 78.42% (78.97% excluding gold loans NPAs). The Capital Adequacy Ratio (CAR) was robust at 16.55% (Tier I at 14.26%, Tier II at 2.29%) as per Basel III norms.
Mr. Praveen Kutty, Managing Director & CEO, commented on the results, highlighting the continued strong momentum in advances and deposits, and an upward trend in Net Interest Margin (NIM) due to lower cost of deposits. He noted the strengthening of core fee income and emphasized the significant improvement in asset quality, with GNPA and NNPA reaching seven-year lows, contributing to the bank's highest ever quarterly PAT.
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