DCB Bank Ltd

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DCB Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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DCB Bank Ltd

₹ 193 -3.60%
30 Oct - close price
dcbbank.com BSE: 532772 NSE: DCBBANK
About

DCB Bank was incorporated in 1995, by reconstituting the Development Co-operative Bank Ltd (DCBL) to Development Credit Bank Ltd as a joint-stock banking company.[1]

Key Points

Business Profile:{#https://www.bseindia.com/xml-data/corpfiling/AttachHis/7e643ad2-222b-4d10-aaec-46b3c753d049.pdf#page=7# #}
The company began as the Ismailia and Masalawalla
co-operative banks, which merged in 1981 into the
Development Co-operative Bank. After absorbing
Citi Co-operative Bank, it converted into a joint-
stock bank, Development Credit Bank Ltd, on
May 31, 1995[1].
It received its universal banking licence in 1995, listed on
BSE and NSE through a 2006 IPO, repositioned as a retail
bank focused on secured small-ticket lending in 2009, and renamed itself DCB Bank Limited in 2014
Promoted by Aga Khan Fund for Economic Development (AKFED) & Platinum Jubilee Investments Limited (holds ~ 16.23% as of March 31, 2026)[2]

Website BSE NSE
  • Market Cap ₹ 6,206 Cr.
  • Current Price ₹ 193
  • High / Low ₹ 235 / 157
  • Stock P/E 7.39
  • Book Value ₹ 215
  • Dividend Yield 0.75 %
  • ROCE 7.40 %
  • ROE 12.0 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.90 times its book value

Cons

  • Company has low interest coverage ratio.
  • Promoter holding is low: 16.2%
  • Company has a low return on equity of 11.5% over last 3 years.
  • Contingent liabilities of Rs.21,378 Cr.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

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Quarterly Results

Figures in Rs. Crores

Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026
1,306 1,374 1,445 1,489 1,568 1,671 1,742 1,814 1,823 1,861 1,907 1,984 2,050
Interest 830 900 937 993 1,059 1,128 1,184 1,233 1,227 1,236 1,252 1,300 1,352
412 427 434 463 504 523 539 605 539 597 594 593 630
Financing Profit 63 47 73 34 5 20 19 -24 57 27 62 91 69
Financing Margin % 5% 3% 5% 2% 0% 1% 1% -1% 3% 1% 3% 5% 3%
107 124 136 143 205 184 219 236 186 221 212 196 249
Depreciation -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0
Profit before tax 171 171 210 177 210 204 238 212 243 249 273 287 318
Tax % 26% 26% 26% 26% 26% 26% 26% 26% 24% 26% 25% 26% 26%
127 127 156 131 155 151 177 157 184 185 206 213 236
EPS in Rs 4.06 4.06 4.98 4.19 4.96 4.83 5.63 5.00 5.84 5.74 6.39 6.62 7.34
Gross NPA % 3.36% 3.43% 3.23% 3.33% 3.29% 3.11% 2.99% 2.98% 2.91% 2.72% 2.45% 2.43% 2.29%
Net NPA % 1.28% 1.22% 1.11% 1.18% 1.17% 1.18% 1.12% 1.22% 1.21% 1.10% 0.89% 0.84% 0.73%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
1,422 1,698 2,076 2,413 3,041 3,537 3,458 3,513 4,200 5,362 6,471 7,404 7,803
Interest 914 1,079 1,279 1,418 1,892 2,272 2,172 2,155 2,483 3,434 4,364 4,948 5,140
443 550 700 866 949 1,113 1,223 1,356 1,422 1,586 1,927 2,228 2,414
Financing Profit 66 70 97 129 201 152 64 1 295 342 180 228 248
Financing Margin % 5% 4% 5% 5% 7% 4% 2% 0% 7% 6% 3% 3% 3%
166 220 249 310 350 391 446 452 409 474 751 855 879
Depreciation 23 29 39 53 44 51 57 64 77 94 101 106 0
Profit before tax 208 261 307 386 507 492 453 390 628 722 829 977 1,127
Tax % 8% 26% 35% 36% 36% 31% 26% 26% 26% 26% 26% 25%
191 195 200 245 325 338 336 288 466 536 615 732 840
EPS in Rs 6.78 6.84 7.00 7.96 10.51 10.89 10.81 9.25 14.95 17.13 19.58 22.73 26.09
Dividend Payout % -0% -0% 7% 9% 10% -0% -0% 11% 8% 7% 7% 6%
Compounded Sales Growth
10 Years: 16%
5 Years: 16%
3 Years: 21%
TTM: 11%
Compounded Profit Growth
10 Years: 14%
5 Years: 17%
3 Years: 16%
TTM: 25%
Stock Price CAGR
10 Years: 4%
5 Years: 14%
3 Years: 19%
1 Year: 22%
Return on Equity
10 Years: 11%
5 Years: 11%
3 Years: 12%
Last Year: 12%

Balance Sheet

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 Sep 2026
Equity Capital 282 284 285 308 310 310 311 311 312 313 314 322 322
Reserves 1,307 1,508 1,920 2,500 2,806 3,112 3,448 3,738 4,255 4,758 5,376 6,213 6,610
Deposits 12,674 14,926 19,289 24,007 28,435 30,370 29,704 34,692 41,239 49,353 60,031 72,583 76,839
Borrowing 1,099 1,148 1,276 1,927 2,723 3,408 4,482 4,082 4,118 6,219 9,115 6,086 5,751
771 1,252 1,276 1,481 1,518 1,305 1,657 1,970 2,443 2,393 1,973 2,865 3,126
Total Liabilities 16,132 19,119 24,046 30,222 35,792 38,505 39,602 44,793 52,366 63,037 76,810 88,069 92,648
237 248 489 494 526 546 569 608 783 841 832 949 979
CWIP -0 -0 -0 -0 -0 -0 -0 53 44 24 66 41 -0
Investments 3,962 4,333 5,818 6,219 7,844 7,742 8,414 9,051 12,582 16,211 20,150 20,378 21,375
11,933 14,537 17,740 23,509 27,422 30,218 30,620 35,081 38,957 45,961 55,761 66,702 70,294
Total Assets 16,132 19,119 24,046 30,222 35,792 38,505 39,602 44,793 52,366 63,037 76,810 88,069 92,648

Cash Flows

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-496 220 240 230 -281 171 -1,502 1,606 -1,566 485 -441 6,640
-29 -41 -71 -59 -76 -72 -79 -157 -165 -1,858 -2,792 -2,141
554 -6 132 1,009 779 654 1,075 -398 8 2,070 2,865 -2,977
Net Cash Flow 30 172 301 1,180 421 752 -507 1,051 -1,722 697 -367 1,522
Free Cash Flow -525 179 169 171 -358 99 -1,582 1,449 -1,730 352 -576 6,551

Ratios

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 14% 12% 10% 10% 11% 10% 9% 7% 11% 11% 11% 12%

Insights

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Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
CASA Ratio
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Number of Branches
count
Top 20 Deposits Concentration
%
Total Headcount (Employees)
count
Mortgages Share in Advances
%
Gross NPA
%

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Shareholding Pattern

Numbers in percentages

1 Recently
Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
14.81% 14.77% 14.75% 14.73% 14.72% 14.70% 14.69% 14.66% 16.24% 16.23% 16.22% 16.22%
13.02% 12.75% 14.65% 11.06% 10.85% 9.64% 11.69% 10.49% 11.92% 12.64% 13.48% 15.47%
34.20% 29.65% 27.61% 26.65% 27.89% 29.18% 31.79% 31.93% 32.14% 32.80% 32.28% 30.40%
37.98% 42.82% 43.00% 47.56% 46.53% 46.49% 41.82% 42.91% 39.68% 38.33% 38.03% 37.91%
No. of Shareholders 1,85,6922,48,4712,42,7492,47,9612,38,5702,34,2192,09,8812,04,9981,89,1881,81,7851,77,1161,77,069

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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