Dhanlaxmi Bank
DHANBANK NSE
Dhanlaxmi Bank
BanksNSE: DHANBANK BSE: 532180 Private Bank
Key Fundamentals
MicrocapPrivate BankBanksMarket Cap
₹1,199 Cr
Volatility
Moderate
P/E Ratio
10.63
EBITDA
₹168 Cr
Return on Equity
6.97%
Debt to Equity
0
Book Value
₹34.16
52W High
₹36.85
52W Low
₹19.45
Tapetide Score
Data-driven rating, 0–100. How it works →
Key Insights
Strengths
2- Stock is trading at 0.81 times its book value
- Company has delivered good profit growth of 22.5% CAGR over last 5 years
Weaknesses
6- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of 11.5% over past five years.
- Company has a low return on equity of 6.22% over last 3 years.
- Contingent liabilities of Rs.932 Cr.
- Company might be capitalizing the interest cost
Growth Rate
Revenue Growth
20.47% higher than
3Y
Net Income Growth
54.2% higher than
3Y
Cash Flow Change
—
ROE
45.82% higher than
3Y
ROCE
3.95% higher than
3Y
EBITDA Margin (Avg.)
2.03% lower than
3Y
Quarterly Results
| Particulars | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 289 | 304 | 308 | 306 | 306 | 329 | 335 | 351 | 368 | 384 | 407 | 443 | 449 |
| Expenses | 141 | 118 | 147 | 135 | 140 | 140 | 151 | 150 | 166 | 153 | 180 | 177 | 177 |
| Financing Profit | -22 | 3 | -33 | -30 | -40 | -19 | -22 | -16 | -27 | -11 | -25 | 10 | 1 |
| Fin. Margin % | -8% | 1% | -11% | -10% | -13% | -6% | -7% | -5% | -7% | -3% | -6% | 2% | 0% |
| Other Income | 52 | 24 | 36 | 41 | 32 | 52 | 42 | 43 | 39 | 35 | 49 | 69 | 35 |
| Interest | 171 | 183 | 194 | 201 | 206 | 208 | 206 | 216 | 229 | 242 | 253 | 256 | 272 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PBT | 30 | 26 | 3 | 11 | -8 | 33 | 20 | 27 | 12 | 23 | 24 | 79 | 36 |
| Tax % | 7% | 12% | 0% | 69% | 0% | 21% | 0% | -7% | 0% | 0% | 0% | 45% | 30% |
| Net Profit | 28 | 23 | 3 | 3 | -8 | 26 | 20 | 29 | 12 | 23 | 24 | 43 | 25 |
| EPS in Rs | 0.72 | 0.59 | 0.08 | 0.08 | -0.2 | 0.65 | 0.5 | 0.73 | 0.31 | 0.59 | 0.61 | 1.1 | 0.63 |
| Gross NPA % | 5.21% | 5.36% | 4.81% | 4.05% | 4.04% | 3.82% | 3.53% | 2.98% | 3.22% | 3.1% | 2.36% | 1.89% | 1.82% |
| Net NPA % | 1.09% | 1.29% | 1.27% | 1.25% | 1.26% | 1.12% | 0.86% | 0.99% | 1.13% | 1.12% | 1.11% | 0.51% | 0.47% |
Profit & Loss
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,284 | 1,204 | 1,089 | 1,013 | 971 | 988 | 931 | 917 | 1,071 | 1,207 | 1,320 | 1,601 | 1,683 |
| Expenses | 607 | 566 | 410 | 460 | 377 | 427 | 394 | 474 | 498 | 515 | 556 | 647 | 687 |
| Financing Profit | -308 | -261 | -78 | -114 | -30 | -53 | -64 | -112 | -22 | -57 | -72 | -24 | -26 |
| Fin. Margin % | -24% | -22% | -7% | -11% | -3% | -5% | -7% | -12% | -2% | -5% | -5% | -2% | -2% |
| Other Income | 85 | 77 | 111 | 102 | 53 | 113 | 122 | 169 | 75 | 153 | 169 | 192 | 188 |
| Interest | 985 | 900 | 757 | 668 | 625 | 614 | 601 | 554 | 595 | 749 | 837 | 979 | 1,022 |
| Depreciation | 18 | 25 | 20 | 13 | 11 | 13 | 15 | 20 | 21 | 25 | 25 | 30 | 0 |
| PBT | -241 | -209 | 12 | -25 | 12 | 46 | 43 | 37 | 32 | 70 | 72 | 138 | 162 |
| Tax % | 0% | 0% | 0% | 0% | 0% | -43% | 13% | 3% | -56% | 18% | 7% | 26% | — |
| Net Profit | -241 | -209 | 12 | -25 | 12 | 66 | 37 | 36 | 49 | 58 | 67 | 103 | 115 |
| EPS in Rs | -8.72 | -7.57 | 0.38 | -0.63 | 0.3 | 1.67 | 0.94 | 0.91 | 1.25 | 1.46 | 1.69 | 2.6 | 2.93 |
| Div. Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | — |
Balance Sheet
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 177 | 177 | 210 | 253 | 253 | 253 | 253 | 253 | 253 | 253 | 395 | 395 |
| Reserves | 546 | 331 | 445 | 496 | 508 | 574 | 611 | 647 | 708 | 777 | 1,001 | 1,079 |
| Borrowing | 646 | 107 | 145 | 392 | 200 | 178 | 150 | 150 | 492 | 299 | 200 | 737 |
| Deposits | 12,677 | 11,499 | 11,294 | 10,920 | 10,603 | 10,904 | 11,712 | 12,403 | 13,352 | 14,290 | 16,013 | 18,643 |
| Other Liabilities | 305 | 349 | 240 | 225 | 234 | 357 | 370 | 343 | 327 | 343 | 328 | 384 |
| Total Liabilities | 14,352 | 12,463 | 12,333 | 12,286 | 11,799 | 12,265 | 13,096 | 13,796 | 15,132 | 15,962 | 17,937 | 21,238 |
| Fixed Assets | 184 | 152 | 183 | 173 | 169 | 179 | 225 | 221 | 251 | 267 | 266 | 284 |
| CWIP | 19 | 27 | 31 | 31 | 33 | 35 | 0 | 0 | 7 | 8 | 15 | 7 |
| Investments | 4,497 | 3,792 | 4,194 | 4,365 | 4,037 | 3,682 | 4,439 | 4,044 | 3,889 | 3,942 | 3,955 | 4,257 |
| Other Assets | 9,652 | 8,492 | 7,925 | 7,718 | 7,560 | 8,369 | 8,433 | 9,531 | 10,986 | 11,745 | 13,700 | 16,690 |
| Total Assets | 14,352 | 12,463 | 12,333 | 12,286 | 11,799 | 12,265 | 13,096 | 13,796 | 15,132 | 15,962 | 17,937 | 21,238 |
Cash Flow
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating | -605 | -298 | -99 | -203 | -144 | 554 | -90 | 139 | 216 | 17 | -5 | 631 |
| Investing | -10 | -9 | -11 | -3 | -10 | -25 | -27 | -388 | -106 | 111 | -32 | -790 |
| Financing | 230 | -150 | 84 | 270 | -95 | -23 | -28 | 0 | 0 | 0 | 142 | 150 |
| Net Cash Flow | -385 | -457 | -26 | 64 | -248 | 506 | -144 | -249 | 111 | 128 | 105 | -8 |
| Free Cash Flow | -615 | -307 | -110 | -206 | -154 | 529 | -117 | 123 | 182 | -24 | -37 | 600 |
| CFO/OP | -89 | -47 | -15 | -37 | -21 | 99 | -17 | 32 | 38 | 4 | -2 | 66 |
Ratios
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | -33% | -34% | 2% | -4% | 2% | 8% | 4% | 4% | 5% | 6% | 5% | 7% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Dhanlaxmi Bank insights
59 extracted metrics + investor summaries across FY12–FY26.
Documents
3
Board Meeting Intimation for Compliance Of Regulation 29 And 50 Of SEBI (LODR) Regulations, 2015
13 Apr - Board meeting on April 28, 2026 to approve audited Q4 and FY2026 results. 13 Apr - Board meeting on April 28, 2026 to approve audited Q4 and FY2026 results.
4
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
10 Apr - Submitted Reg. 74(5) certificate for demat requests processed for quarter ended March 31, 2026. 10 Apr - Submitted Reg. 74(5) certificate for demat requests processed for quarter ended March 31, 2026.
5
Business Updates For The Year Ended March 31,2026
2 Apr - FY26 provisional business updates: total business up 19.68% to Rs 33,773 crore; deposits, CASA and advances grew. 2 Apr - FY26 provisional business updates: total business up 19.68% to Rs 33,773 crore; deposits, CASA and advances grew.
1
Newspaper Publication W.R.T Dispatch Of Notice Of 99Th AGM And Annual Report For The FY 2025-26 1 Sept 2026
General_Announcements
Frequently Asked Questions about Dhanlaxmi Bank
What does Dhanlaxmi Bank Ltd do?
Incorporated in 1927, Dhanlaxmi Bank Ltd is in the business of providing banking services[1]
Where is Dhanlaxmi Bank Ltd (DHANBANK) listed?
Dhanlaxmi Bank Ltd trades as DHANBANK on the NSE and under code 532180 on the BSE.
Which sector does Dhanlaxmi Bank Ltd belong to?
Dhanlaxmi Bank Ltd is classified under the Banks sector, in the Private Bank industry.
What is the market capitalisation of Dhanlaxmi Bank Ltd?
Dhanlaxmi Bank Ltd has a market capitalisation of ₹1,199 Cr, which places it in the Small Cap band.
What is the PE ratio of Dhanlaxmi Bank Ltd?
Dhanlaxmi Bank Ltd trades at a PE ratio of 10.63, against a book value of ₹34.16 per share.
What is the 52-week high and low of Dhanlaxmi Bank Ltd?
Over the last 52 weeks Dhanlaxmi Bank Ltd has traded between ₹19.45 and ₹36.85.
What is the Return on Equity (ROE) of Dhanlaxmi Bank Ltd?
Dhanlaxmi Bank Ltd reported a return on equity of 6.97%. Its debt-to-equity ratio is 0.00.
Company Information
Incorporated in 1927, Dhanlaxmi Bank Ltd is in the business of providing banking services[1]
Website dhanbank.com
CEO Mr. Ajith Kumar Kunhi Krishnan
Employees 1,756
Listed 2004-04-01
Face Value ₹ 10
Issued Size 39,46,98,851
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