Market Data
Market Cap₹1,119.37 Cr.
52W High₹36.8
Current Price₹28.36
52W Low₹19.5
Down from 52W High22.9 %
Face Value₹10
Performance
ROCE53.55 %
ROE7.83 %
EPS (TTM)₹0.63
EPS Prev Qtr₹1.1
EPS Last Year₹0.59
EBITDA Qtr₹51.45 Cr.
Book Value₹37
Financial Health
Debt/Equity0.5
Debt/Profit6.38
Total Assets₹21,237.656 Cr.
Earning Power1.1 %
Valuation
Stock P/E9.68
Industry P/E10.31
Price to Book0.76
Price to Sales0.67
Graham Number₹49.6
Key Metrics
Book Value
₹38.34
Branches
264
Capital Adequacy % (Basel III)
19.19%
CASA %
28.81%
__derived
1
Employees
1,851
Face Value
₹10
Gross NPA %
1.82%
Net NPA %
0.47%
NIM %
3.57%
Provision Coverage %
92.77%
ROA % (annualised)
0.45%
Total Advances
₹15,786 Cr
Total Deposits
₹19,404 Cr
About Dhanlaxmi Bank Ltd
Financial Services · Banks
Dhanlaxmi Bank Ltd is listed on NSE in the Financial Services / Banks sector. Face value ₹10. Market cap ₹1,119.37 Cr.
Price Chart
Strengths & Weaknesses
Strengths
- Capital Adequacy Ratio of 19.19% exceeds regulatory requirements, indicating strong capital position.
- Gross NPA at 1.82% and Net NPA at 0.47% show excellent asset quality for a bank.
- Net Interest Margin (NIM) of 3.57% reflects healthy interest income generation.
- Return on Capital Employed (ROCE) of 53.55% demonstrates efficient use of capital.
- Provision Coverage Ratio at 92.77% suggests robust provisioning against potential defaults.
Weaknesses
- CASA ratio of 28.81% is relatively low, indicating potential liquidity and funding stability concerns.
- Return on Equity (ROE) of 7.83% is modest, suggesting room for improvement in shareholder returns.
- Return on Assets (ROA) at 0.45% is low, indicating inefficient asset utilization.
Peer Comparison
| Name | CMP | P/E | Market Cap | Div Yield | NP Qtr | Qtr Profit Var% | Sales Qtr | Qtr Sales Var% | ROCE% | Debt/Eq |
|---|---|---|---|---|---|---|---|---|---|---|
| HDFC Bank Ltd | - | 13.99 | ₹11,07,124.43 Cr | 2.16% | ₹82,511.72 Cr | - | ₹3,51,818.61 Cr | - | 25.02% | 1 |
| ICICI Bank Ltd | - | 16.6 | ₹9,33,466.75 Cr | 0.92% | ₹59,489.34 Cr | - | ₹1,98,379.35 Cr | - | 28.81% | 0.61 |
| State Bank of India | - | 10.31 | ₹8,87,893.11 Cr | 1.8% | ₹88,120.87 Cr | - | ₹5,25,747.06 Cr | - | 31.79% | 1.3 |
| Kotak Mahindra Bank Ltd | - | 6.91 | ₹3,99,857.71 Cr | 0.16% | ₹20,238.55 Cr | - | ₹70,887.47 Cr | - | 20.7% | 0.53 |
| Axis Bank Ltd | - | 13.54 | ₹3,76,715.23 Cr | 0.08% | ₹27,890.16 Cr | - | ₹1,35,731.89 Cr | - | 22.33% | 1.31 |
| Union Bank of India | - | 6.35 | ₹1,31,145.34 Cr | 2.91% | ₹20,012.21 Cr | - | ₹1,07,127.36 Cr | - | 44.93% | 0.58 |
| Punjab National Bank | - | 5.87 | ₹1,29,295.61 Cr | 2.67% | ₹20,602.7 Cr | - | ₹1,31,788.93 Cr | - | 45.06% | 0.72 |
| Bank of Baroda | - | 6.49 | ₹1,17,855.34 Cr | 3.73% | ₹17,697.87 Cr | - | ₹1,36,546.33 Cr | - | 31.19% | 1.03 |
| Canara Bank | - | 5.52 | ₹1,09,664.17 Cr | 3.47% | ₹18,979.1 Cr | - | ₹1,27,805.38 Cr | - | 42.06% | 1.32 |
| Indian Bank | - | 8.47 | ₹1,08,282.43 Cr | 2.27% | ₹12,541.37 Cr | - | ₹69,314.13 Cr | - | 45.78% | 0.58 |
| IDBI Bank Ltd | - | 9.73 | ₹90,750.27 Cr | - | ₹9,318.15 Cr | - | ₹29,542.24 Cr | - | 28.56% | 0.41 |
| Federal Bank Ltd | - | 17.05 | ₹80,026.16 Cr | 0.37% | ₹4,834.22 Cr | - | ₹30,384.84 Cr | - | 33.62% | 0.86 |
| AU Small Finance Bank Ltd | - | 26.11 | ₹74,747.4 Cr | 0.1% | ₹2,856.35 Cr | - | ₹19,560.64 Cr | - | 149.65% | 3.56 |
| IndusInd Bank Ltd | - | 53.5 | ₹70,733.57 Cr | 0.17% | ₹1,322.16 Cr | - | ₹45,296.87 Cr | - | 26.82% | 0.65 |
| IDFC First Bank Ltd | - | 31 | ₹69,426.16 Cr | 0.31% | ₹2,304.91 Cr | - | ₹41,957.76 Cr | - | 26.68% | 0.77 |
| Yes Bank Ltd | - | 17.82 | ₹66,539.94 Cr | - | ₹3,775.15 Cr | - | ₹30,658.32 Cr | - | 21.74% | 1.28 |
| RBL Bank Ltd | - | 29.1 | ₹62,809.51 Cr | 0.25% | ₹899.06 Cr | - | ₹14,735.81 Cr | - | 27.86% | 1 |
| Bank of Maharashtra | - | 8.24 | ₹62,109.31 Cr | 2.72% | ₹7,448.08 Cr | - | ₹30,262.41 Cr | - | 35.86% | 1.06 |
| Indian Overseas Bank | - | 10.36 | ₹61,062.65 Cr | - | ₹5,757.71 Cr | - | ₹33,289.81 Cr | - | 29.78% | 1.4 |
| Bank of India | - | 5.04 | ₹59,389.55 Cr | 3.56% | ₹11,463.77 Cr | - | ₹77,243.58 Cr | - | 31.76% | 1.32 |
Quarterly Results
📊 Jun 2026: Revenue grew 22.2% YoY, Profit grew 104.5% YoY
| Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|
| Sales | 367.76 | 383.61 | 407.06 | 443.05 | 449.36 |
| ↳ QoQ Growth | - | +4.3% | +6.1% | +8.8% | +1.4% |
| Expenses | 21.1 | 4.99 | 17.26 | 34.71 | 15.91 |
| Operating Profit | 33.28 | 28.19 | 41.14 | 113.67 | 51.45 |
| OPM % | 9.05% | 7.35% | 10.11% | 25.66% | 11.45% |
| Other Income | 39.3 | 34.55 | 49.25 | 69.29 | 34.89 |
| Interest | 228.66 | 241.65 | 252.84 | 256 | 271.74 |
| Depreciation | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| EBITDA Margin % | - | - | - | - | - |
| Profit Before Tax | 12.18 | 23.2 | 23.88 | 78.96 | 35.54 |
| Tax % | 0% | 0% | 0% | 44.92% | 29.91% |
| Net Profit | 12.18 | 23.2 | 23.88 | 43.49 | 24.91 |
| ↳ QoQ Growth | - | +90.5% | +2.9% | +82.1% | -42.7% |
| EPS | 0.31 | 0.59 | 0.61 | 1.1 | 0.63 |
Profit & Loss
| Mar 2026 | TTM | |
|---|---|---|
| Sales | 1601.48 | 1683.08 |
| Expenses | 78.06 | 72.87 |
| Operating Profit | 216.28 | 234.45 |
| OPM % | 13.51% | 13.93% |
| Other Income | 192.39 | 187.98 |
| Interest | 979.15 | 1022.23 |
| Depreciation | - | - |
| Profit Before Tax | 138.22 | 161.58 |
| Tax % | 25.66% | 28.53% |
| Net Profit | 102.75 | 115.48 |
| EPS | 2.61 | 2.93 |
Compounded Sales Growth
10Y
-
5Y
-
3Y
-
TTM
-
Compounded Profit Growth
10Y
-
5Y
-
3Y
-
TTM
-
Stock Price CAGR
10Y
-
5Y
-
3Y
-
1Y
13.9%
Return on Equity
10Y
-
5Y
-
3Y
-
Last Year
7.83%
Balance Sheet
| Mar 2025 | Mar 2026 | Mar 2027 | |
|---|---|---|---|
| Equity Capital | 394.6989 | 394.6989 | 394.7 |
| Reserves | 1000.5867 | 1079.2247 | 1118.51 |
| Borrowings | 200 | 736.6256 | 858.71 |
| Other Liabilities | 16341.65 | 19027.11 | 19754.32 |
| Total Liabilities | 17936.938 | 21237.656 | 22126.24 |
| Fixed Assets | 266.415 | 283.4983 | 322.96 |
| CWIP | 15.1426 | 6.5379 | - |
| Investments | 3955.1519 | 4257.4414 | 4527.34 |
| Other Assets | 13700.23 | 16690.18 | 17275.94 |
| Total Assets | 17936.938 | 21237.656 | 22126.24 |
Cash Flows
| Mar 2025 | Mar 2026 | |
|---|---|---|
| Cash from Operating Activity | -4.7876 | 631.487 |
| Cash from Investing Activity | -32.3063 | -789.5072 |
| Cash from Financing Activity | 142.2923 | 150 |
| Net Cash Flow | 105.1984 | -8.0202 |
Ratios
| Mar 2026 | |
|---|---|
| Debtor Days | - |
| Inventory Days | - |
| Days Payable | - |
| Cash Conversion Cycle | - |
| Working Capital Days | 4672.48 |
| ROCE % | 1.05% |
Shareholding Pattern
| Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|
| Promoters % | 0% | 0% | 0% | 0% |
| FIIs % | 15.28% | 15.32% | 15.42% | 14.21% |
| DIIs % | 0.05% | 0.05% | 0.05% | 0.05% |
| Public % | 43% | 43.12% | 42.48% | 38.87% |
| No. of Shareholders | 1,79,703 | 1,75,709 | 1,72,047 | 1,63,114 |
Major Shareholders (>1%)
- B Ravindran PillaiPublic Shareholding10.00%
- Jineesh Nath C.kPublic Shareholding7.50%
- Yussuffali Musliam Veettil Abdul KaderPublic Shareholding5.00%
- Fincfriends PrivatePublic Shareholding4.02%
As of 2026-06-30View all shareholders →