Capital Adequacy continues to be strong and as on March 31, 2026, the Capital Adequacy Ratio was at 16.55% (with Tier I at 14.26% and Tier II at 2.29% as per Basel III norms).
FinTech BizNews Service
Mumbai, April 25, 2026: DCB Bank has announced its Q4 FY26 financial results, reporting a Profit After Tax (PAT) of INR 206 crore, reflecting an 16% year-on-year growth.
Notable Highlights:
1) The Bank’s Profit After Tax (PAT) for Q4 FY 2026 was at INR 206 Cr. In comparison Profit After Tax for Q4 FY 2025 was at INR 177 Cr., growth of 16%. The Bank’s Profit After Tax (PAT) for FY 2026 was INR 732 Cr. In comparison Profit After Tax for FY 2025 was at INR 615 Cr., growth of 19%.
2) Advances growth year-on-year was at 18% (Year-on-year Mortgages growth 8%, Co lending growth 25%, Construction Finance growth 14% and Agri & Inclusive Banking growth 19%) and Deposits growth year-on-year was at 21%.
3) The Gross NPA as on March 31, 2026, was at 2.45%. Net NPA was at 0.89% as on March 31, 2026. The Provision Coverage Ratio (PCR) as on March 31, 2026 was at 78.42% and PCR without considering Gold Loans NPAs was at 78.97%.
4) Capital Adequacy continues to be strong and as on March 31, 2026, the Capital Adequacy Ratio was at 16.55% (with Tier I at 14.26% and Tier II at 2.29% as per Basel III norms).
Speaking on the FY 2026 results Mr. Praveen Kutty, Managing Director & CEO said, “The growth momentum continues to be strong both in advances and deposits. NIM continues its upward trend, riding on lower cost of deposits. Core fee income has strengthened, however, the highlight of the quarter is the improvement in asset quality. GNPA & NNPA are at their seven-year end lows, resulting in the bank registering the highest ever quarterly PAT.”
