DCBBANK

DCB Bank Limited

Private sector bank with retail and SME lending business

Financial Services›Financial Services›Banks›Private Sector Bank

dcb.bank.in(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹209.77
Market cap
6,756 Cr
Stock P/E
8.6
P/B
1.03
Dividend yield
0.6%
ROE (FY26)
11.9%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

DCB Bank is an Indian private-sector bank that lends mainly to self-employed businesspeople and small businesses, mostly against property and other security, and takes retail and business deposits through 480 branches (June 2026).

Company snapshot

18thBy market cap

Ranked among 20 companies in Private Sector Bank.

Segment mix

Reportable segments as of 2024-12-31 (Standalone). Revenue share = segment revenue ÷ total revenue.

Largest segment: 80.9% of revenue

SegmentRevenue shareRevenuePBTAssets
Corporate / Wholesale Banking
7.2%
134 Cr7 Cr4,563 Cr
Other Banking Operations
1.9%
36 Cr34 Cr0 Cr
Retail Banking
80.9%
1,500 Cr114 Cr44,504 Cr
Treasury Operations
25.8%
478 Cr55 Cr21,905 Cr
Unallocable
0.0%
0.04 Cr-7 Cr595 Cr

Shares add up to 116% because segment revenues are before inter-segment eliminations.

What we see

Positives
  • ✓Cash flow from operations is higher than reported profit — earnings quality looks solid.

Statement tables · Standalone

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Standalone only

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income476 Cr474 Cr507 Cr497 Cr509 Cr543 Cr558 Cr580 Cr596 Cr625 Cr655 Cr684 Cr
Other income107 Cr124 Cr136 Cr143 Cr205 Cr184 Cr219 Cr236 Cr186 Cr221 Cr212 Cr196 Cr
Net operating income583 Cr598 Cr644 Cr640 Cr714 Cr727 Cr777 Cr817 Cr782 Cr846 Cr867 Cr880 Cr
Employee cost189 Cr198 Cr212 Cr225 Cr235 Cr231 Cr231 Cr251 Cr243 Cr270 Cr262 Cr267 Cr
Other expenses184 Cr188 Cr198 Cr209 Cr224 Cr225 Cr240 Cr239 Cr235 Cr254 Cr263 Cr269 Cr
Provisions & contingencies40 Cr41 Cr24 Cr28 Cr46 Cr67 Cr67 Cr115 Cr61 Cr74 Cr69 Cr57 Cr
Depreciation————————————
Profit before tax171 Cr171 Cr210 Cr177 Cr210 Cr204 Cr238 Cr212 Cr243 Cr249 Cr273 Cr287 Cr
Tax %25.8%25.8%25.8%25.8%25.8%25.7%25.7%25.7%24.4%25.7%24.7%25.7%
Net profit127 Cr127 Cr156 Cr131 Cr155 Cr151 Cr177 Cr157 Cr184 Cr185 Cr206 Cr213 Cr
EPS (₹)₹4.07₹4.06₹4.98₹4.20₹4.96₹4.83₹5.64₹5.00₹5.84₹5.76₹6.39₹6.62

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income797 Cr995 Cr1,149 Cr1,265 Cr1,287 Cr1,358 Cr1,717 Cr1,928 Cr2,107 Cr2,457 CrSign in free for the trailing twelve months
Other income249 Cr310 Cr350 Cr391 Cr459 Cr452 Cr409 Cr474 Cr751 Cr855 CrSign in free for the trailing twelve months
Net operating income1,046 Cr1,306 Cr1,499 Cr1,656 Cr1,745 Cr1,810 Cr2,126 Cr2,402 Cr2,857 Cr3,312 CrSign in free for the trailing twelve months
Employee cost——434 Cr459 Cr434 Cr539 Cr693 Cr794 Cr923 Cr1,026 CrSign in free for the trailing twelve months
Other expenses——419 Cr444 Cr413 Cr473 Cr647 Cr743 Cr897 Cr990 CrSign in free for the trailing twelve months
Provisions & contingencies——140 Cr261 Cr446 Cr407 Cr159 Cr142 Cr208 Cr319 CrSign in free for the trailing twelve months
Depreciation——————————Sign in free for the trailing twelve months
Profit before tax——507 Cr492 Cr453 Cr390 Cr628 Cr722 Cr829 Cr977 CrSign in free for the trailing twelve months
Tax %——35.8%31.3%25.8%26.2%25.8%25.8%25.7%25.1%Sign in free for the trailing twelve months
Net profit200 Cr245 Cr325 Cr338 Cr336 Cr288 Cr466 Cr536 Cr615 Cr732 CrSign in free for the trailing twelve months
EPS (₹)₹7.01₹8.02₹10.53₹10.90₹10.82₹9.26₹14.96₹17.18₹19.63₹23.01Sign in free for the trailing twelve months
Dividend payout %————0.0%0.0%6.7%7.3%6.4%5.8%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital285 Cr308 Cr310 Cr310 Cr311 Cr311 Cr312 Cr313 Cr314 Cr322 Cr
Reserves1,920 Cr2,500 Cr2,805 Cr3,111 Cr3,447 Cr3,737 Cr4,252 Cr4,465 Cr5,090 Cr5,824 Cr
Borrowings1,276 Cr1,927 Cr2,723 Cr3,408 Cr4,482 Cr4,082 Cr4,118 Cr6,219 Cr9,115 Cr6,086 Cr
Other liabilities20,566 Cr25,488 Cr29,954 Cr31,676 Cr31,362 Cr36,711 Cr43,685 Cr52,040 Cr62,290 Cr75,837 Cr
Total liabilities24,046 Cr30,222 Cr35,792 Cr38,505 Cr39,602 Cr44,840 Cr52,366 Cr63,037 Cr76,810 Cr88,069 Cr
Fixed assets (net)489 Cr494 Cr526 Cr546 Cr569 Cr661 Cr826 Cr865 Cr898 Cr989 Cr
CWIP——————————
Investments5,818 Cr6,219 Cr7,844 Cr7,742 Cr8,414 Cr9,098 Cr12,582 Cr16,211 Cr20,150 Cr20,378 Cr
Loans & advances15,818 Cr20,337 Cr23,568 Cr25,345 Cr25,959 Cr29,096 Cr34,381 Cr40,925 Cr51,047 Cr60,022 Cr
Cash & bank858 Cr1,136 Cr1,317 Cr1,030 Cr1,183 Cr1,578 Cr2,031 Cr2,867 Cr2,507 Cr3,212 Cr
Other assets1,064 Cr2,036 Cr2,537 Cr3,843 Cr3,478 Cr4,407 Cr2,546 Cr2,170 Cr2,207 Cr3,468 Cr
Total assets24,046 Cr30,222 Cr35,792 Cr38,505 Cr39,602 Cr44,840 Cr52,366 Cr63,037 Cr76,810 Cr88,069 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity240 Cr230 Cr-281 Cr171 Cr-1,502 Cr1,606 Cr-1,566 Cr-1,240 Cr-3,098 Cr4,588 Cr
Cash from investing-71 Cr-59 Cr-76 Cr-72 Cr-79 Cr-157 Cr-165 Cr-133 Cr-135 Cr-89 Cr
Cash from financing132 Cr1,009 Cr779 Cr654 Cr1,075 Cr-398 Cr8 Cr2,070 Cr2,865 Cr-2,977 Cr
Net cash flow301 Cr1,180 Cr421 Cr752 Cr-507 Cr1,051 Cr-1,722 Cr697 Cr-367 Cr1,522 Cr
Free cash flow (OCF − Capex)168 Cr170 Cr-360 Cr98 Cr-1,582 Cr1,449 Cr-1,732 Cr-1,375 Cr-3,234 Cr4,497 Cr

Ratios

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %9.1%8.7%10.4%9.9%8.9%7.1%10.2%11.2%11.4%11.9%

Regulatory ratios (standalone basis)

RBI ratios for the bank itself (standalone filing), on both views.

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross NPA——439 Cr632 Cr1,083 Cr1,290 Cr1,123 Cr1,353 Cr1,554 Cr1,496 Cr
Gross NPA %1.6%1.8%1.8%2.5%4.1%4.3%3.2%3.2%3.0%2.5%
Net NPA——154 Cr294 Cr594 Cr573 Cr357 Cr454 Cr572 Cr534 Cr
Net NPA %0.8%0.7%0.7%1.2%2.3%2.0%1.0%1.1%1.1%0.9%
CET1 %11.9%12.7%13.1%13.9%15.5%16.0%15.2%14.5%14.3%14.3%
Additional Tier 1 %0.0%0.0%16.8%0.0%0.0%0.0%0.0%0.0%2.5%0.0%
ROA %0.9%0.9%1.0%0.9%0.9%0.7%1.0%0.9%0.9%0.9%