DCB Bank Q2 FY27: PAT ₹21,300 Cr & Rev ₹17,500 Cr

Metric	Value
Revenue	₹17,500 Cr
Net Profit (PAT)	₹21,300 Cr

📢 Key Event
DCB Bank reported record Q1 FY27 PAT of ₹213 crores, up 36% YoY, with strong deposit, advance, and fee income growth.

🔄 What Changed
Core fee income grew 31% YoY to ₹175 crores; cost-to-assets ratio fell to 2.42% (from 2.52% QoQ); GNPA improved to 2.43% (55 bps YoY better).

🔮 What's Next
Target ROE of 13.5% in FY27 and 14.5% in FY28; cost-to-assets ratio to fall below 2.5% in 4-5 quarters; NIM expected to rise in Q2; mortgage disbursements to grow organically; co-lending capped at 15%.

💡 Investor Takeaway
The bank is executing calibrated, quality-driven growth with improving margins and capital strength, supporting sustainable profitability.

DCB Bank reported record Q1 FY27 PAT of ₹213 crores, up 36% YoY, driven by 20% deposit and 17% advance growth, 3.35% NIM, and 31% YoY core fee income growth to ₹175 crores. Cost-to-assets improved to 2.42%, with GNPA at 2.43% and net NPA at 0.84%. Management highlighted margin stability, disciplined growth, and capital adequacy improvements, targeting ROE of 13.5% in FY27 and 14.5% in FY28.

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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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Source: Stock Announcements. Analysis by StockFin.ai. For informational purposes only — not investment advice.

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