Dcb Bank Limited (DCBBANK)

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Dcb Bank Limited (DCBBANK) · mywealthgrid

About

DCB Bank Limited is a mid-sized private sector bank with ₹5,863 Cr market cap and quarterly revenue of ₹1,984 Cr (Jun 2026). The bank demonstrates sustained profitability with operating margins stable at 67–71% and consistent dividend payments since 2022. ROE of 11.97% and D/E of 0.93 position it as a moderately leveraged, mature lender.

Founded: 1930
Face value: ₹10

Market cap

₹6,433 Cr

P/E

8.2×

P/B

1.0×

Dividend yield

1.4%

ROE

12%

ROCE

7.4%

Debt / equity

0.93

OPM

69.9%

EPS (TTM)

₹24.5

Book value

₹202.9

52-week high

—

52-week low

Key insights

Company research notes and source-linked reviews

Key risks

ROE 11.97% trails typical PSB minimums of 15%, suggesting capital may not earn adequately. Verify whether low returns reflect capital excess, credit restraint, or structural margin compression.
Promoter ownership 16.23% is low and diffuse. Verify governance frameworks, board independence, and whether public shareholding (38%) creates policy volatility.
Net profit shows quarter-to-quarter swings (₹151–₹213 Cr range). Verify whether baseline profitability is stable or if results depend on asset sales, one-offs, or treasury gains.
Asset quality not disclosed. Verify NPA ratio, provision coverage, and stressed-asset trends — essential for PSBs in credit cycles.

Generated analysis · source review pending

Growth drivers

Revenue grew 26% from ₹1,568 Cr (Sep 2024) to ₹1,984 Cr (Jun 2026). Verify organic loan/deposit growth vs inorganic factors and whether this pace persists.
Net profit up 35% YoY (₹157 Cr Jun 2025 → ₹213 Cr Jun 2026) on margin stability at ~70% OPM. Verify whether profit expansion is volume-driven or concentration in high-margin segments.
EPS grew 34% from ₹4.96 (Sep 2024) to ₹6.62 (Jun 2026). Verify whether per-share growth reflects capital recycling, share buybacks, or equity dilution from capital raises.
Operating margins consistent at 67–70% across eight quarters. Verify whether this reflects pricing discipline in a protected segment or market maturity limiting upside.

Generated analysis · source review pending

2,528 historical price candles were omitted because the exchange source has not been verified.

₹199.7-1.3%1Y

Quick read

rule-based

Pros

+Healthy operating margin of 69.9%
+Profit CAGR of 16.9% over the last 5 years
+Revenue CAGR of 16.4% over the last 5 years

Cons

−Weak interest coverage of 1.2×
−Low dividend payout of 11.5% of profit
−Low promoter holding of 16.2%

Research score

Structured signal from quality, growth, valuation and momentum.

70/100

Business quality: 38
Growth: 71
Valuation

Revenue & net profit

₹ crore, by fiscal year

RevenuePAT

Margins

% of revenue, by fiscal year

OPMPAT margin

Peers

Comparable companies from the narrowest available industry classification.

Part ofNIFTY MICROCAP 250 NIFTY TOTAL MARKET

Screen this industry Compare top 5 side-by-side

Company	Mkt Cap	EV	Revenue	EBITDA	OPM	PAT	NPM	ROCE	ROE	WC Days
Idbi Bank LimitedIDBIIDBI	₹93,084 Cr	₹1,21,187 Cr	₹29,542 Cr	₹21,383 Cr	72.8%	₹9,343 Cr	31.8%	6.5%	14.2%	—
The Federal Bank LimitedFEDERALBNKFEDERALBNK	₹78,500 Cr	₹1,11,693 Cr	₹30,385 Cr	₹19,589 Cr	64.8%	₹4,692 Cr	15.1%	6.4%	11.4%	—
Idfc First Bank LimitedIDFCFIRSTBIDFCFIRSTB	₹69,254 Cr	₹1,05,886 Cr	₹41,958 Cr	₹14,462 Cr	35.6%	₹2,305 Cr	4%	6%	3.8%	—
Indusind Bank LimitedINDUSINDBKINDUSINDBK	₹69,094 Cr	₹1,11,884 Cr	₹45,297 Cr	₹22,203 Cr	49.3%	₹1,322 Cr	1.9%	5.7%	1.4%	—
Yes Bank LimitedYESBANKYESBANK	₹65,126 Cr	₹1,30,577 Cr	₹30,658 Cr	₹18,224 Cr	61.5%	₹3,775 Cr	11.6%	6%	7.1%	—
Rbl Bank LimitedRBLBANKRBLBANK	₹63,709 Cr	₹80,506 Cr	₹14,736 Cr	₹5,360 Cr	36.3%	₹899 Cr	6.1%	5.8%	5.4%	—
Bandhan Bank LimitedBANDHANBNKBANDHANBNK	₹28,355 Cr	₹42,658 Cr	₹21,844 Cr	₹10,127 Cr	46.9%	₹1,353 Cr	5.6%	6.4%	4.9%	—
Karur Vysya Bank LimitedKARURVYSYAKARURVYSYA	₹26,027 Cr	₹28,650 Cr	₹11,555 Cr	₹7,832 Cr	67.7%	₹2,745 Cr	22.7%	7.6%	19.3%	—
City Union Bank LimitedCUBCUB	₹17,092 Cr	₹22,419 Cr	₹7,249 Cr	₹4,979 Cr	69.6%	₹1,403 Cr	19.3%	6.7%	13.2%	—
The Jammu & Kashmir Bank LimitedJ&KBANKJ&KBANK	₹15,415 Cr	₹18,846 Cr	₹13,429 Cr	₹9,521 Cr	70.6%	₹2,301 Cr	17.9%	5.8%	15.3%	—
Tamilnad Mercantile Bank LimitedTMBTMB	₹13,813 Cr	₹14,513 Cr	₹6,096 Cr	₹4,458 Cr	74.1%	₹1,444 Cr	23%	7.5%	14%	—
The South Indian Bank LimitedSOUTHBANKSOUTHBANK	₹12,420 Cr	₹16,347 Cr	₹10,112 Cr	₹6,746 Cr	66.3%	₹1,511 Cr	14.8%	6.4%	13.5%	—

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Financials

Reported profit and loss, balance sheet, cash flow and growth history.

Annual Quarterly

Standalone figures · ₹ crore · years without a filed annual are summed from quarters

₹ Cr	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	2,076	2,413	3,041	3,537	3,458	3,513	4,200	5,362	6,471	7,404
Interest	1,279	1,418	1,892	2,272	2,172	2,155	2,483	3,434	4,364	4,948
Expenses	628	781	993	1,164	1,292	1,356	1,499	1,586	1,927	2,228
Financing profit	169	215	156	101	-6	1	218	342	180	228
Financing margin %	8.2%	8.9%	5.1%	2.9%	-0.2%	0%	5.2%	6.4%	2.8%	3.1%
Other income	249	310	350	391	459	452	409	474	751	855
Depreciation	—	—	—	—	—	64	—	94	101	106
Profit before tax	—	—	507	492	453	390	628	722	829	977
Tax	—	—	181	154	117	102	162	186	213	245
Tax %	—	—	35.8%	31.3%	25.8%	26.2%	25.8%	25.8%	25.7%	25.1%
PAT	200	245	325	338	336	288	466	536	615	732
EPS (₹)	7	8	10.5	10.9	10.8	9.3	15	17.2	19.6	23
EPS adjusted (₹)	7	8	10.5	10.9	10.8	9.2	15	17.1	19.4	22.7
	7.1%	9.4%	9.5%	0%	0%	10.8%	8.4%	7.3%	6.9%	6.3%
Gross NPA %	—	—	1.8%	2.5%	4.1%	4.3%	3.2%	3.2%	3%	2.5%
Net NPA %	—	—	0.7%	1.2%	2.3%	2%	1%	1.1%	1.1%	0.9%
Annual report	Annual report for Mar 2017	Annual report for Mar 2018	Annual report for Mar 2019	Annual report for Mar 2020	Annual report for Mar 2021	Annual report for Mar 2022	Annual report for Mar 2023	Annual report for Mar 2024	Annual report for Mar 2025	Annual report for Mar 2026

₹ Cr	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity capital	284	285	308	310	310	311	311	312	313	317	322
Reserves	1,506	1,918	2,498	2,805	3,111	3,447	3,737	4,252	4,755	5,373	6,208
Deposits	14,926	19,289	24,007	28,435	30,370	29,704	34,692	41,239	49,353	60,031	72,583
Borrowings	1,148	1,276	1,927	2,723	3,408	4,482	4,082	4,118	6,219	9,115	6,086
Other liabilities	1,254	1,278	1,482	1,519	1,306	1,658	2,019	2,446	2,397	1,973	2,870
Total equity & liabilities	19,119	24,046	30,222	35,792	38,505	39,602	44,840	52,366	63,037	76,810	88,069
Fixed assets	248	489	494	526	546	569	661	826	865	898	989
Investments	4,333	5,818	6,219	7,844	7,742	8,414	9,098	12,582	16,211	20,150	20,378
	14,537	17,740	23,509	27,422	30,218	30,620	35,081	38,957	45,961	55,761	66,702
Total assets	19,119	24,046	30,222	35,792	38,505	39,602	44,840	52,366	63,037	76,810	88,069

₹ Cr	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	220	240	230	-281	171	-1,502	1,606	-1,566	-1,240	-3,098	4,588
	-41	-71	-59	-76	-72	-79	-157	-165	-133	-135	-89
	-6	132	1,009	779	654	1,075	-398	8	2,070	2,865	-2,977
Net cash flow	172	301	1,180	421	752	-507	1,051	-1,722	697	-367	1,522
Free cash flow	178	168	170	-360	98	-1,582	1,449	-1,732	-1,375	-3,234	4,497
CFO / Operating profit %	—	—	—	-13.7%	7.2%	-69.4%	74.5%	—	-32.8%	-68.2%	88.6%

Segment results

As reported in NSE results XBRL. Segment result is before tax and finance costs. ROCE uses that annual result divided by segment assets less liabilities.

Source XBRL ↗

Latest reported period · 31 Mar 2026 · ₹ crore

Segment	Revenue	Result	Assets	Liabilities	Capital employed	ROCE %
Retail Banking	6,758.11	514.44	55,597.12	55,550.34	46.78	1,099.7
Treasury Operations	2,025.18	222.77

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Ratios

Annual operating, return, leverage and working-capital ratios.

Standalone figures

Ratio	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Margins
PAT margin %	10.7%	9.6%	9.7%	8.2%	11.1%	10%	9.5%	9.9%
Return ratios
Return on assets %	0.9%	0.9%	0.8%	0.6%	0.9%	0.9%	0.8%	0.8%
Return on capital employed %	7.6%	7.7%	7%	6.3%	0.9%	7.5%	7.7%	7.4%
Return on equity %	10.4%	9.9%	8.9%	7.1%	10.2%	10.6%	10.8%	11.2%

Derived from reported annual statements. ROCE uses EBIT over capital employed (total assets less current liabilities). Margin, working-capital and leverage ratios are omitted: a bank funds itself with deposits and books interest as its cost of revenue, so they would measure something other than what they name.

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Shareholding

Quarterly ownership, named holders, insider transactions and disclosed deals.

Quarterly Annual

Every quarter filed · % of equity

Holder (%)	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	14.81%	14.8%	14.77%	14.75%	14.73%	14.72%	14.7%	14.69%	14.66%	16.24%	16.23%	16.23%
	12.74%	13.02%	12.75%	14.65%	11.06%	10.86%	9.64%	11.69%	10.49%	11.93%	12.64%	13.48%
	38.99%	34.22%	29.66%	27.61%	26.65%	27.89%	29.18%	31.8%	31.94%	32.15%	32.8%	32.28%
	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
	33.46%	37.96%	42.82%	42.99%	47.56%	46.53%	46.48%	41.82%	42.91%	39.68%	38.33%	38.01%
No. of shareholders	—	—	—	—	—	—	—	—	2,04,998	1,89,188	1,81,785	1,77,116

Promoter holding up 1.42 percentage points since Sep 2023.

12 deals · 30 Nov 2021 – 23 Oct 2025

Date	Client	Type	Venue	Side	Quantity	Price	Value
23 Oct 2025	HRTI PRIVATE LIMITED	Bulk	NSE	Buy	16,31,568	₹156.89	₹25.60 Cr
23 Oct 2025	HRTI PRIVATE LIMITED	Bulk	NSE	Sell	15,46,645	₹157.02	₹24.29 Cr
20 Oct 2025	GRAVITON RESEARCH CAPITAL LLP	Bulk	NSE	Sell	42,84,751	₹144.52	₹61.92 Cr
20 Oct 2025	GRAVITON RESEARCH CAPITAL LLP	Bulk	NSE	Buy	42,84,751	₹144.36	₹61.85 Cr
20 Oct 2025	INFINITY ASSET ADVISORS PRIVATE LIMITED	Bulk	NSE	Sell	16,54,022	₹145.18	₹24.01 Cr
28 Apr 2025	GRAVITON RESEARCH CAPITAL LLP	Bulk	NSE	Buy	19,80,210	₹137.58	₹27.24 Cr
28 Apr 2025	GRAVITON RESEARCH CAPITAL LLP	Bulk	NSE	Sell	19,80,210	₹137.73	₹27.27 Cr
25 Jun 2024	INDIA FIRST LIFE INSURANCE COMPANY LIMITED	Bulk	NSE	Buy	20,23,000	₹140.15	₹28.35 Cr
25 Jun 2024	DSP MUTUAL FUND	Bulk	NSE	Sell	17,00,000	₹140.15	₹23.83 Cr
1 Jan 2024	GRAVITON RESEARCH CAPITAL LLP	Bulk	NSE	Sell	18,88,361	₹142.73	₹26.95 Cr

1–10 of 12

1 / 2

Bulk deals are a client trading over 0.5% of the equity in a session, aggregated across their trades; block deals are single negotiated trades in the exchange’s block window. Each is reported by the exchange it was crossed on, so NSE and BSE rows are separate trades rather than the same trade twice.

Mr. Pushan MahapatraNon-Executive Part Time Chairperson
Mr. Pushan MahapatraNon-Executive - Independent Director-Chairperson
Mr. Amyn JassaniNon-Executive - Independent Director
Mr. Balu SrinivasanNon-Executive - Independent Director
Mr. Somasundaram PRNon-Executive - Independent Director
Mr. Suhail NathaniNon-Executive - Independent Director
Mr. Tarun BalramNon-Executive - Independent Director
Mr. Thiyagarajan KumarNon-Executive - Independent Director
Ms. Neeta RegeNon-Executive - Independent Director
Mr. Nadir BhalwaniNon-Executive - Non Independent Director
Mr. Nasser MunjeeNon-Executive - Non Independent Director

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F&O

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Fund holders

Mutual-fund schemes that disclosed a holding in the company.

Portfolio month

Schemes holding

across 9 fund houses

Held by these funds

11.96%

of the company's equity

All mutual funds

24.8%

shareholding pattern, Jun 2026

Portfolios as of

August 2026

compared with July 2026

19 schemes · 9 fund houses

		Shares
Franklin India Small Cap Fund (Formerly known as Franklin India Smaller Companies Fund) ^	Franklin Templeton Mutual Fund	1.22 Cr	266.18	1.81%	3.787%	-0
SMALL CAP FUND	Tata Mutual Fund	1.13 Cr	247.44	1.89%	3.521%	-0
(Investment Manager for Motilal Oswal Mutual Fund)	Motilal Oswal Mutual Fund	65.61 L	143.17	1.76%	2.037%	+7.46 L
BANKING & FINANCIAL SERVICES FUND	Tata Mutual Fund	28.8 L	62.84	1.9%	0.894%	-0
BUSINESS CYCLE FUND	Tata Mutual Fund	16.58 L	36.18	1.39%	0.515%	-0
(Investment Manager for Motilal Oswal Mutual Fund)	Motilal Oswal Mutual Fund	6.93 L	15.12	0.61%	0.215%	-15,174
MF SMALL CAP FUND	LIC Mutual Fund	6.83 L	14.91	1.79%	0.212%	-0
Small Cap Fund	Bajaj Finserv Mutual Fund	5.95 L	12.98	0.49%	0.185%	-0

1–8 of 19

1 / 3

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Documents

Annual reports, exchange filings, offer documents, ratings and earnings-call material.

Announcements

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Events

Upcoming dates and the company’s corporate-action history.

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Announcements

Latest exchange announcements, filings and downloadable documents.

1 month 3 months 6 months 1 year All

25 announcementsExport CSV

28 Sept 2026, 4:32 pmCompany Update

Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS

Allotment of ESOP / ESPS

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Ratio	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Margins
PAT margin %	10.7%	9.6%	9.7%	8.2%	11.1%	10%	9.5%	9.9%
Return ratios
Return on assets %	0.9%	0.9%	0.8%	0.6%	0.9%	0.9%	0.8%	0.8%
Return on capital employed %	7.6%	7.7%	7%	6.3%	0.9%	7.5%	7.7%	7.4%
Return on equity %	10.4%	9.9%	8.9%	7.1%	10.2%	10.6%	10.8%	11.2%

Date	Category	Subject	Filing
28 Sept 2026, 4:32 pm	Company Update Allotment of ESOP / ESPS	Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS	PDF
28 Sept 2026, 3:39 pm	Insider Trading / SAST Closure of Trading Window	Closure of Trading Window	PDF
11 Sept 2026, 1:46 pm	Company Update Newspaper Publication	Announcement under Regulation 30 (LODR)-Newspaper Publication	PDF
9 Sept 2026, 12:48 pm	Company Update General	Intimation Under Regulation 30 Of SEBI (Listing Obligations And Disclosure Requirements) Regulations, 2015- Approval Accorded By Reserve Bank Of India (RBI) To ICICI Prudential Asset Management Company Limited ('Applicant') To Acquire Aggregate Holding Of Up To 9.95% Of The Paid-Up Share Capital Or Voting Rights In DCB Bank Limited ('The Bank')	PDF
31 Aug 2026, 11:30 am	Company Update Allotment of ESOP / ESPS	Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS	PDF
26 Aug 2026, 3:22 pm	Others	Rumour verification - Regulation 30(11)	PDF
26 Aug 2026, 1:14 pm	Company Update Clarification	Clarification sought from DCB Bank Ltd	—
13 Aug 2026, 5:20 pm	Company Update Analyst / Investor Meet	Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation	PDF

Dcb Bank Limited

About

Key insights

Key risks

Growth drivers

Quick read

Pros

Cons

Research score

Revenue & net profit

Margins

Peers

Financials

Segment results

Ratios

Shareholding

F&O

Not in the F&O segment

Fund holders

Documents

Announcements

Events

Announcements

Not in the F&O segment

Announcements

Annual reports

Credit ratings

Investor Presentation and earnings call

8

1

Segment results

Compounded sales growth

Compounded profit growth

Return on equity

Corporate / Wholesale Banking · revenue

Dcb Bank Limited

About

Key insights

Key risks

Growth drivers

Quick read

Pros

Cons

Research score

Revenue & net profit

Margins

Peers

Financials

Profit & loss

Balance sheet

Cash flow

Segment results

Ratios

Ratio timeline

Shareholding

Quarterly record

Bulk & block deals

Board and management

F&O

Not in the F&O segment

Fund holders

Documents

Announcements

Events

Announcements

Ratio timeline

Not in the F&O segment

Quarterly record

Bulk & block deals

Board and management

Announcements

Annual reports

Credit ratings

Investor Presentation and earnings call

Dividends8

Board meetings1

Profit & loss

Balance sheet

Cash flow

Segment results

Compounded returns

Compounded sales growth

Compounded profit growth

Return on equity

Corporate / Wholesale Banking · revenue

8

1