DCB Bank Q3 FY26 PAT Rises 22% to ₹185 Crore on Strong Advances and Deposits Growth
DCB Bank reported Q3 FY2026 PAT of ₹185 crore, a 22% increase year-on-year. Advances grew 18% and deposits 20%. Gross NPA was 2.72% and Net NPA was 1.10%. The bank achieved its highest ever quarterly PAT despite a ₹26.87 crore one-time impact from new labor codes.
The announcement details strong financial performance with significant growth in key metrics and record-high quarterly profit, which is material information for investors and positively impacts the company's valuation.
The bank reported a significant year-on-year increase in Profit After Tax, robust growth in advances and deposits, and the lowest GNPA and NNPA in three years, alongside achieving its highest ever quarterly PAT.
DCB Bank Limited announced its unaudited financial results for the third quarter ended December 31, 2025 (Q3 FY2026). The Board of Directors approved the results at a meeting held on January 23, 2026.
The Bank reported a Profit After Tax (PAT) of ₹185 crore for Q3 FY2026, marking a significant 22% increase compared to ₹151 crore in Q3 FY2025. This growth was driven by robust performance in key banking metrics.
Advances grew by 18% year-on-year, while deposits saw a 20% year-on-year increase. The Gross Non-Performing Asset (NPA) ratio stood at 2.72% as of December 31, 2025, with the Net NPA ratio at 1.10%. The Provision Coverage Ratio (PCR) was 75.35% (76.06% excluding gold loan NPAs). Capital Adequacy Ratio remained strong at 15.84% as per Basel III norms.
Mr. Praveen Kutty, Managing Director & CEO, commented on the results, stating, "The growth momentum in both advances and deposits continues to be robust. As indicated in the last quarter, the NIM continues its upward trend in this quarter as well. Fee income momentum continues to remain strong. Credit costs remain benign with slippages reducing and GNPA & NNPA at their three-year lows. The Bank has registered the highest ever quarterly PAT, despite taking a one-time impact of ₹26.87 crore on account of the ‘New Labour Codes’."
Key Balance Sheet parameters as of December 31, 2025, include Total Assets of ₹81,840 crore, Deposits of ₹67,754 crore, and Net Advances of ₹56,600 crore. The bank also separately provides an investor presentation on its website.
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