DCB Bank Q1 FY27 PAT Rises 36% to ₹213 Crore; Advances Up 17%
DCB Bank reported Q1 FY2027 PAT of ₹213 crore, a 36% increase from Q1 FY2026. Advances grew 17% and deposits 20% year-on-year. Gross NPA was 2.43% and Net NPA was 0.84%. The bank achieved its highest ever quarterly PAT for the fourth consecutive quarter.
The announcement details significant financial performance improvements, including a substantial increase in PAT and strong growth in core banking metrics like advances and deposits. This is a key indicator of the bank's financial health and operational efficiency, likely to be of high interest to investors.
The bank reported strong growth in profit after tax (36% increase), robust advances and deposit growth (17% and 20% respectively), and maintained healthy asset quality and capital adequacy ratios. The CEO's commentary highlights positive momentum and record quarterly PAT.
DCB Bank Limited announced its unaudited financial results for the first quarter ended June 30, 2026 (Q1 FY2027), following a meeting of its Board of Directors on July 24, 2026. The bank reported a Profit After Tax (PAT) of ₹213 crore for Q1 FY2027, marking a significant 36% increase compared to ₹157 crore in Q1 FY2026.
Key performance highlights include a year-on-year growth of 17% in advances and 20% in deposits. The bank maintained strong asset quality, with Gross NPA at 2.43% and Net NPA at 0.84% as of June 30, 2026. The Provision Coverage Ratio (PCR) stood at 79.81% (or 80.46% excluding gold loans). The Capital Adequacy Ratio (CAR) remained robust at 17.03% (Tier I at 14.90%, Tier II at 2.13%) as per Basel III norms.
Mr. Praveen Kutty, Managing Director & CEO, commented on the results, stating, "The growth momentum over the year on both deposits and advances continue to be strong. There has been marked improvement on most levers of profitability, resulting in 36% increase in profit after tax, compared to previous year. Cost to average assets is at a historic low, the portfolio quality improvement continues with lower credit costs, lower gross and net NPAs. The combination of the above has resulted in the Bank registering the highest ever quarterly PAT, for the fourth consecutive quarter with 2.05% improvement in ROE since last year."
Total Assets stood at ₹88,752 crore, Deposits at ₹74,482 crore, and Net Advances at ₹59,951 crore as of June 30, 2026. The bank operates with 480 branches across 20 states and 2 union territories.
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