DCB Bank Announces Strong Second Quarter FY 2026 Results

The Board of Directors of DCB Bank Ltd. (BSE: 532772; NSE:DCB) at its meeting in Mumbai on October 17, 2025, approved the unaudited financial results for the quarter and half-year ended September 30, 2025 (Q2 FY 2026) along with limited review report by statutory auditors ‘Varma & Varma, Chartered Accountants’ and ‘B S R & Co.LLP, Chartered Accountants’. 

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”.