DCB Bank Q1 FY27: Profit growth holds up as asset quality improves

In Q1 FY27, DCB Bank reported balance sheet size of INR 88,752 crore, advances of INR 59,951 crore, deposits of INR 74,482 crore, and PAT of INR 213 crore (up 35.57% YoY).

Gross NPA improved to 2.43% in Jun 2026 from 2.98% in Jun 2025, and Net NPA improved to 0.84% from 1.22%. Provision coverage ratio increased to 79.81%.

Net interest margin was 3.35% in Q1 FY27, compared with 3.39% in Q4 FY26 and 3.20% in Q1 FY26.

Deposits grew 20.06% YoY to INR 74,482 crore. CASA ratio was 21.65% in Q1 FY27 versus 23.32% in Q1 FY26. Top 20 depositors contributed 6.81% of total deposits.

Capital adequacy ratio was 17.03% as of Jun 2026 (Tier I 14.90%, Tier II 2.13%), compared with 16.66% in Jun 2025.

Initiatives included digital submission of Form 121, Voice AI for customer support, mutual fund single sign-on, DCB Insta Remit for outward remittances, debit card PIN generation via Niyo Global app, and FRM IVR implementation for fraud alert automation.