DCB Bank: Profit After Tax (PAT) for Q2 FY 2026 was at INR 184 Cr., growth of 18%

 

DCB Bank: Profit After Tax (PAT) for Q2 FY 2026 was at INR 184 Cr., growth of 18%


  • Highlights: 
  • 1) The Bank’s Profit After Tax (PAT) for Q2 FY 2026 was at INR 184 Cr. In comparison Profit After Tax for Q2 FY 2025 was at INR 155 Cr., growth of 18%. 
  • 2) Advances growth year-on-year was at 19% (Year-on-year Mortgages growth 13%, Colending growth 140%, Construction Finance growth 29% and Agri & Inclusive Banking growth 13%) and Deposits growth year-on-year was at 19%. 
  • 3) The Gross NPA as on September 30, 2025, was at 2.91%. Net NPA was at 1.21% as on September 30, 2025. 
  • The Provision Coverage Ratio (PCR) as on September 30, 2025 was at 74.15% and PCR without considering Gold Loans NPAs was at 74.81%. 4) Capital Adequacy continues to be strong and as on September 30, 2025, the Capital Adequacy Ratio was at 16.41% (with Tier I at 13.97% and Tier II at 2.44% as per Basel III norms).
  • Speaking on the Q2 FY 2026 results Mr. Praveen Kutty, Managing Director & CEO said, “The growth of deposits and advances continues to be strong. Strides made in reduction of cost of deposits and cost of borrowing has helped in NIM uptick. The rigor on employee productivity and technology adoption is driving down the Cost to Average Assets for the fifth consecutive quarters. Improved collections and recovery have resulted in much lower credit costs. We expect this momentum to continue in the coming quarters as well”. 
  • About DCB Bank 
  • DCB Bank Limited is a new generation private sector bank with 468 branches across 20 states and 2 union territories. It is a scheduled commercial bank regulated by the Reserve Bank of India. It is professionally managed and governed. DCB Bank has contemporary technology and infrastructure, including state-of-the-art India’s first Aadhaar number & fingerprint based biometric ATMs, and internet banking for personal as well as business banking customers. The Bank’s business segments are Retail, micro-SMEs, SMEs, mid-Corporate, Microfinance Institutions (MFI), Agriculture, Commodities, Government, Public Sector, Indian Banks, Cooperative Banks and Non Banking Finance Companies (NBFC). 

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