Dhanlaxmi Bank Q1 FY27 Net Profit at ₹24.91 Crore, Up 104.5%
Dhanlaxmi Bank reported Q1 FY27 net profit of ₹24.91 Crore, up 104.5% from ₹12.18 Crore last year. Total income rose to ₹484.25 Crore from ₹407.06 Crore. Gross NPAs decreased to 1.82% and Net NPAs to 0.47%. Capital Adequacy Ratio improved to 19.19%.
The substantial year-on-year growth in net profit and the improvement in key asset quality metrics (NPAs) and capital adequacy are material factors that are likely to positively impact investor perception and the company's stock.
The bank reported a significant increase in net profit and a reduction in NPA ratios, alongside an improved Capital Adequacy Ratio, indicating positive financial performance.
Dhanlaxmi Bank Limited announced its unaudited financial results for the quarter ended June 30, 2026. The Board of Directors approved these results at a meeting held on July 29, 2026, which commenced at 12:00 Noon and concluded at 12:45 PM.
The bank reported a Net Profit of ₹2,491 Lakhs (₹24.91 Crore) for the quarter, a significant increase from ₹1,218 Lakhs (₹12.18 Crore) in the corresponding quarter of the previous year, marking a growth of approximately 104.5%. Interest earned for the quarter stood at ₹44,936 Lakhs (₹449.36 Crore), an increase from ₹36,776 Lakhs (₹367.76 Crore) in the same period last year. Total Income was ₹48,425 Lakhs (₹484.25 Crore), up from ₹40,706 Lakhs (₹407.06 Crore) year-on-year.
Provisions (other than tax) and Contingencies for the quarter were ₹1,591 Lakhs (₹15.91 Crore), compared to ₹2,110 Lakhs (₹21.10 Crore) in the prior year quarter. The Capital Adequacy Ratio (CAR) as per Basel III stood at 19.19% as of June 30, 2026, an improvement from 18.26% in the previous year.
Gross Non-Performing Assets (NPA) were ₹28,657 Lakhs (₹286.57 Crore), down from ₹40,195 Lakhs (₹401.95 Crore) in the previous year. Net NPAs were ₹7,261 Lakhs (₹72.61 Crore), a decrease from ₹13,862 Lakhs (₹138.62 Crore) year-on-year. The Gross NPA ratio improved to 1.82% from 3.22%, and the Net NPA ratio improved to 0.47% from 1.13% compared to the previous year.
In terms of segment reporting, Retail Banking contributed ₹2,180 Lakhs to the net profit before tax, while Treasury reported ₹890 Lakhs and Corporate/Wholesale Banking reported ₹175 Lakhs. Other Banking Operations contributed ₹309 Lakhs. The total assets of the bank increased to ₹22,12,624 Lakhs (₹22,126.24 Crore) from ₹18,70,020 Lakhs (₹18,700.20 Crore) in the previous year.
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