DCB Bank Q2 FY27: PAT ₹213 Cr & Rev ₹880 Cr

1 Financial Results 🔴 High Importance ✨ Positive 📄 PDF

Metric	Value
Revenue	₹880 Cr
Net Profit (PAT)	₹213 Cr

📢 Key Event
DCB Bank announced Q1 FY2027 results showing 36% PAT growth to ₹213 crores.

🔄 What Changed
PAT grew 36% YoY to ₹213 crores; Gross NPA improved to 2.43% from 2.98%; Net NPA declined to 0.84% from 1.22%; Capital Adequacy Ratio remained strong at 17.03%; ROE improved by 2.05 percentage points.

🔮 What's Next
The bank expects continued growth momentum in deposits and advances, with focus on maintaining asset quality and improving profitability metrics.

💡 Investor Takeaway
Shareholders benefit from accelerating profitability, improving asset quality, and sustained capital strength, supporting confidence in future earnings growth.

DCB Bank reported Q1 FY2027 PAT of ₹213 crores, up 36% YoY from ₹157 crores in Q1 FY2026, driven by strong deposit and advance growth, improved asset quality with Gross NPA at 2.43% and Net NPA at 0.84%, and a Capital Adequacy Ratio of 17.03%. The bank highlighted historic low cost of funds, lower credit costs, and the highest quarterly PAT for the fourth consecutive quarter, with ROE improving by 2.05 percentage points YoY.

2 Financial Results 🔴 High Importance ✨ Positive 📄 PDF

📢 Key Event
DCB Bank reported a 35.57% YoY increase in net profit to ₹213 crores for Q1 FY27.

🔄 What Changed
Net profit grew 35.57% YoY to ₹213 crores; deposits grew 20.06% YoY; advances grew 17.06% YoY; net NPA held at 0.84%; provision coverage ratio at 79.81%.

🔮 What's Next
Target ROE of 13.5% to 14.5% (FY26-27 to FY27-28); target NNPA below 2.50%; target ROA of 1% or above; target Cost to Income Ratio of 60% or below; target Cost to Average Assets of 2.50% to 2.60%; target Margin of Safety of 3 to 4 times.

💡 Investor Takeaway
The bank delivered strong profit growth with improving asset quality and reaffirmed strategic targets, signaling sustained momentum in retail mortgages, MSME lending, and gold loans.

DCB Bank reported a 35.57% year-on-year rise in net profit to ₹213 crores for Q1 FY27, driven by strong deposit growth of 20.06% and advances growth of 17.06%, while maintaining low net NPA at 0.84% and provision coverage ratio at 79.81%. The bank expanded to 480 branches and reaffirmed strategic targets including target ROE of 13.5% to 14.5% and net NPA below 2.50%.

3 Financial Results 🔴 High Importance Neutral 📄 PDF

📢 Key Event
Audio recording of Q1 FY2026 earnings call made available

💡 Investor Takeaway
The audio recording provides access to the management discussion on Q1 FY2026 results.

DCB Bank announced that the audio recording of its earnings conference call for Q1 FY2026, held on July 24, 2026, is now available on its website via a provided link, marking the first public release of the unaudited financial results for the quarter ended June 30, 2026.

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About DCB Bank Limited (DCBBANK)

Financial Services · Banks · Listed on NSE

Market Cap: ₹7,014.85 Cr P/E: 8.8 ROE: 12.1% ROCE: 48.1% Div Yield: 0.67%

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DCB Bank Limited (DCBBANK) Q2 FY27 Financial Results: PAT ₹213 Cr & Revenue ₹880 Cr(3 announcements)

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🔥 Also filed on 24 July 2026