DCB Bank Q1FY26 results: profit up 20%, income Rs 2,050 cr

Key takeaways from the June quarter

DCB Bank reported a 19.8% rise in net profit to Rs 157 crore for the June quarter of FY26, compared with Rs 131 crore in the same quarter last year. Total income rose to Rs 2,050 crore from Rs 1,632 crore a year ago. The bank also disclosed that advances grew 21% year-on-year and deposits grew 20% year-on-year for the quarter. Asset quality metrics showed gross NPA at 2.98% and net NPA at 1.22% as of June 30, 2025.

Profit and income: what changed year-on-year

The reported Profit After Tax (PAT) for Q1FY26 came in at Rs 157 crore versus Rs 131 crore in Q1FY25, translating into about 20% growth. Interest income stood at Rs 1,814 crore for Q1FY26 compared with Rs 1,489 crore for Q1FY25. The bank’s operating profit was Rs 327 crore in Q1FY26 compared with Rs 205 crore in Q1FY25. Separately, a quarterly data table for the period ended June 2025 showed net interest income of Rs 580.44 crore and non-interest income of Rs 236.12 crore.

Snapshot of Q1FY26 operating metrics (quarterly table)

The quarter-ended June 2025 data also showed higher provisioning and lower net income on a quarter-on-quarter basis. Loan loss provisions rose to Rs 115.14 crore in June 2025 from Rs 68.82 crore in March 2026 (as per the table), while net income declined to Rs 157.26 crore from Rs 205.65 crore. Net income before taxes was Rs 211.75 crore in June 2025 versus Rs 273.11 crore in March 2026. Diluted normalised EPS was Rs 4.97 for June 2025 compared with Rs 6.32 in March 2026.

Balance sheet growth and business mix disclosures

DCB Bank said advances grew 21% year-on-year in Q1FY26, with segment growth cited across mortgages (17%), co-lending (162%), construction finance (34%) and agri and inclusive banking (12%). Deposits rose 20% year-on-year for the same quarter. In an earnings call transcript referenced for the quarter ended June 30, 2025, the bank also stated this was the fourth consecutive quarter of 19% to 20% year-on-year balance sheet growth. The bank further highlighted fee performance, with non-interest income in the quarterly table at Rs 236.12 crore for June 2025.

Asset quality, provisioning coverage and capital adequacy

On asset quality, DCB Bank reported gross NPA at 2.98% and net NPA at 1.22% as of June 30, 2025. Provision Coverage Ratio (PCR) was disclosed at 74.04%, while PCR excluding gold loan NPAs was 75.00% as of the same date. Capital adequacy remained above regulatory requirements, with a Capital Adequacy Ratio of 16.66% as of June 30, 2025 under Basel III norms. The split shared was Tier I at 14.20% and Tier II at 2.46%.

Stock market reaction on results day

Following the Q1 update carried by PTI, shares of DCB Bank were reported trading at Rs 135.70, down 4.40% over the previous close on the BSE. The price move reflected an immediate market reaction to the disclosed results and commentary available at that time. No separate management guidance figures were included in the provided extract beyond operational and balance sheet metrics.

Other recent quarterly and annual profit data disclosed

Beyond Q1FY26, DCB Bank disclosed PAT of Rs 185 crore for Q3FY26, compared with Rs 151 crore for Q3FY25, a growth of 22%. For FY2025, the bank reported PAT of Rs 615 crore versus Rs 536 crore for FY2024, a growth of 15%. The profit and loss history table also showed FY2025 EPS of Rs 19.58 and FY2024 EPS of Rs 17.13. These figures provide context on the bank’s reported profitability trend across recent years.

Last and upcoming earnings date information

The provided earnings calendar snippet listed the last earnings date as Q4 FY25-26 on 24 April 2026. It also stated the upcoming earnings date for DCB Bank Ltd. is 24 April 2026. The same section listed “interest earned” at Rs 1,907 crore, “gross profit” at Rs 342 crore and “net profit” at Rs 205 crore, along with QoQ and YoY percentage changes for each of these line items.

Why the numbers matter for investors tracking DCB Bank

The June-quarter disclosures combine higher year-on-year profit with faster balance sheet growth and updated asset quality ratios. Investors typically track the interaction between deposit growth, advances growth and the bank’s provisioning levels, given the quarterly table’s sharp rise in loan loss provisions. The reported PCR and capital adequacy metrics offer additional context on balance sheet resilience under Basel III reporting. Separately, the mix of interest income, operating profit and non-interest income provides insight into earnings drivers disclosed for the quarter.

Conclusion

DCB Bank’s Q1FY26 update showed PAT of Rs 157 crore on total income of Rs 2,050 crore, alongside 21% advances growth and 20% deposit growth year-on-year. Asset quality stood at gross NPA of 2.98% and net NPA of 1.22% as of June 30, 2025, while capital adequacy was reported at 16.66%. The next key checkpoint for investors is the earnings date referenced as 24 April 2026, alongside any additional disclosures released with the corresponding quarterly results.