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DCB Bank Ltd

DCBBANK

NSE

₹210.38+0.29%19 Oct 2026

Reports

Private Banks

DCB Bank Ltd

DCBBANK

NSE

₹210.38

+0.29%

19 Oct 2026

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Private Banks

Indices

Business Overview: What the company does, in plain English.Growth Catalysts: The forward growth drivers and triggers.Guidance Report: Management guidance vs outcomes.Forensic Report: Accounting quality and red flags.Deep Dive Report: In-depth business analysis.

DCB Bank is a private-sector bank in India purpose-built to serve the country’s vast self-employed population - small business owners, sole proprietors, and first-generation entrepreneurs whose incomes are real but often informal. It was promoted by the Aga Khan Fund for Economic Development (AKFED) & Platinum Jubilee Investments Limited, and has been listed on Indian stock exchanges since 2006; its modern identity was forged from 2009 onward when it pivoted decisively to become a retail bank focused on secured, small-ticket lending to this underserved segment. The recurring philosophy that explains everything else is a conviction that secured, granular lending with disciplined underwriting and genuine relationship depth produces better credit outcomes, and that the full opportunity with a self-employed customer extends far beyond a single loan - the goal is to be a single-source provider of all their financial solutions.

Business segments

Three engines at different stages - a granular secured-lending core that funds the balance sheet, a deposit and fee-income franchise that feeds it, and a technology backbone that makes the whole model scalable - each built on the same self-employed customer relationship.

1. Secured lending: the engine that earns the spread

The Bank makes its money by extending small-ticket, fully secured loans to self-employed Indians and MSMEs, with mortgages as the anchor product and a deliberate avoidance of unsecured credit.

Mortgages are the anchor - home loans and business loans (loan against property) together make up roughly 49% of the total loan portfolio, with the Bank intentionally shifting the mix toward higher-yielding business loans; as of Q4 FY26, about 70% of new mortgage sourcing was business loans and 30% home loans.
Granularity is the safety net - 85% of the loan book consists of loans of ₹3 crores or below, so no single borrower can sink the portfolio; the Bank’s secured, granular book proved its resilience through the pandemic cycle with no capital raise and no large NPAs.
Agri and inclusive banking reaches where others don’t - a dedicated “Bank Within a Bank” vertical with 213 branches across 14 states lends to farmers through Kisan Credit Cards, tractor loans, and microfinance institution partnerships, simultaneously meeting the Bank’s priority-sector lending obligations and building a rural deposit base.
Gold loans are instant and digital - the Bank makes an “One Hour Gold Loan” promise, backed by a digital platform called Gradatim that reduces onboarding to 30 minutes of paperless processing; a parallel co-lending gold book earns healthy margins without the operating cost sitting on the Bank’s own balance sheet.
Co-lending scales without the capital burden - partnerships with NBFCs across 15 product lines, from gold loans to school finance, add distribution reach while using less capital and carrying lower risk-weighted asset impact; the co-lending book is actively managed below a 15% portfolio cap.

2. Deposits and fee income: the funding and the franchise

The Bank funds its lending through a granular retail deposit base and layers on steady, repeatable fee income by distributing third-party products to the same customers.

Retail deposits are the foundation - retail term deposits alone were around 41% of total deposits as of March 2026, and the top 20 depositors account for only 6.61% as of March 2025, down from nearly 15% in 2018, meaning the Bank is not hostage to any single large funding source.
Savings accounts are designed as engagement tools - products like the DCB Happy Savings Account offer cashback on UPI transactions, while the Bank pays a higher savings rate on select balance tiers as a retention strategy for affluent customers who might otherwise move money to term deposits elsewhere.
Fee income is liability-linked and repeatable - core fee income of ₹671 Crore in FY26 came predominantly from bancassurance (distributing life, health, and general insurance), mutual fund distribution, trade finance fees from MSME customers, and foreign exchange remittances through the DCB Remit platform, which allows anyone - not just account holders - to send money to over 20 countries.
NRI deposits are a stable, long-tenor pool - a dedicated NRI business with relationship managers in select branches serves customers from over 128 countries, contributing 7.19% of total deposits as of FY25; the Bank also acquired a portfolio of high-quality NRI deposits from Abu Dhabi Commercial Bank’s India branches in FY20.

3. Secured credit cards: a credit-builder for the unserved

The Bank issues fixed-deposit-backed credit cards that let self-employed individuals and first-time credit users build a credit history while earning interest on their deposit - a gateway product, not a risk play.

No income proof, no credit history required - the DCB ZET and DCB Novio secured cards require only a minimum fixed deposit of ₹2,000, are lifetime-free, and run on the RuPay network with UPI integration; 100% of new-to-credit users in the beta cohort reached a 700+ CIBIL score within 30 to 45 days.

Technology backbone

The Bank has built a plug-and-play digital infrastructure that serves every business segment - it is not a separate revenue line but the operating system that makes granular, small-ticket banking viable at scale.

Connected Banking Platform turns the Bank into infrastructure - through APIs, SDKs, and socket connections, fintech and corporate partners can embed DCB’s banking services directly into their own apps; the API sandbox already offers over 230 services, making the Bank simultaneously a direct lender and a banking-as-a-service provider.
Digital onboarding eliminated paper and delay - the CUBE account-opening platform processed over 162,000 applications in FY26, with more than 90% of branch-submitted forms cleared the same day versus a previous five-day average; together with the Gradatim gold-loan platform, the Bank eliminated approximately 6 million pages of paper in a single year.
An enterprise data lake powers cross-sell - a full-stack analytics engine running on GPU-enabled servers ingests millions of customer and transaction records monthly, feeding a Unified Cross-Sell Engine that generates next-best-product recommendations across branch, digital, and relationship-manager touchpoints.
AI is deployed for efficiency, not hype - an AI Conversational Analytics Platform (with GreyLabs AI) and AI Voice Bot handle cross-selling and upselling in multiple languages, while Gen AI models are used to reduce false positives in fraud detection, anti-money laundering, and mule-account identification.

Group structure and partners

The Bank is a publicly listed, promoter-backed institution with no subsidiaries, a 16.23% stake held by AKFED, and a network of co-lending, fintech, and bancassurance partnerships that extend its reach without putting its own capital at risk.

AKFED is a development-focused promoter - the Aga Khan Fund for Economic Development, an international agency that operates over 70 project companies employing more than 60,000 people globally, held 16.23% of the Bank as of March 2026 and received RBI approval in September 2025 to acquire additional shares on a preferential basis, subject to a five-year lock-in.
No subsidiaries, pure-play bank - DCB Bank is a standalone entity with no subsidiary companies, listed on both BSE and NSE, with a 12-member board that includes the Managing Director & CEO Praveen Kutty, a 16-year insider who rose through the retail, SME, and agri banking ranks.
Co-lending and fintech alliances multiply distribution - the Bank has active co-lending partnerships across 15 product lines with NBFCs, and fintech tie-ups with Niyo (bringing over 5 lakh savings-account customers), ZET (co-branded secured credit card), and others; it also holds minority equity stakes in select NBFCs and business correspondents like Saksham Gram Credit and Svakarma Finance.

Quick Ratios

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Profit & Loss

Balance Sheet

Cash Flow

Ratios

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Quick Ratios

Quarterly Results

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Balance Sheet

Cash Flow

Ratios

Peer Comparison

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Mkt Cap

Market Capitalization

₹6,778Cr

Close Price

₹210.38

Industry

Private Banks

Price To Earnings

8.55

Price To Sales

0.89

Revenue

₹7,575Cr

Rev Gr TTM

Revenue Growth TTM

11.48%

PAT Gr TTM

PAT Growth TTM

22.81%

Upcoming Results on

23 Oct 2026

Standalone

Numbers

Percentage

Quarter	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 RevenueCr	1,306	1,374	1,445	1,489	1,568	1,671	1,742	1,814	1,823	1,861	1,907	1,984
Growth YoY Revenue Growth YoY%	30.6	28.2	22.5	20.3	20.1	21.6	20.6	21.8	16.2	11.4	9.5	9.4
Interest Expended Interest ExpendedCr	830	900	937	993	1,059	1,128	1,184	1,233	1,227	1,236	1,252	1,300
Expenses ExpensesCr	412	427	434	463	504	523	539	605	539	597	594	593
Financing Profit Financing ProfitCr	63	47	73	34	5	20	19	-24	57	27	62	91
FPM FPM%	4.9	3.4	5.1	2.3	0.3	1.2	1.1	-1.3	3.1	1.5	3.2	4.6
Other Income Other IncomeCr	107	124	136	143	205	184	219	236	186	221	212	196
Depreciation DepreciationCr	0	0	0	0	0	0	0	0	0	0	0	0
PBT PBTCr	171	171	210	177	210	204	238	212	243	249	273	287
Tax TaxCr	44	44	54	46	54	52	61	54	59	64	67	74
PAT PATCr	127	127	156	131	155	151	177	157	184	185	206	213
Growth YoY PAT Growth YoY%	12.8	11.2	9.5	3.5	22.6	19.6	13.7	19.7	18.3	22.0	16.1	35.6
NPM NPM%	9.7	9.2	10.8	8.8	9.9	9.1	10.2	8.7	10.1	9.9	10.8	10.7
EPS EPS₹	4.1	4.1	5.0	4.2	5.0	4.8	5.6	5.0	5.8	5.8	6.4	6.6
Ratios Ratios

Quarter	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 RevenueCr	1,306	1,374	1,445	1,489	1,568	1,671	1,742	1,814	1,823	1,861	1,907	1,984
Growth YoY Revenue Growth YoY%	30.6	28.2	22.5	20.3	20.1	21.6	20.6	21.8	16.2	11.4	9.5	9.4
Interest Expended Interest ExpendedCr	830	900	937	993	1,059	1,128	1,184	1,233	1,227	1,236	1,252	1,300
Expenses ExpensesCr	412	427	434	463	504	523	539	605	539	597	594	593
Financing Profit Financing ProfitCr	63	47	73	34	5	20	19	-24	57	27	62	91
FPM FPM%	4.9	3.4	5.1	2.3	0.3	1.2	1.1	-1.3	3.1	1.5	3.2	4.6
Other Income Other IncomeCr	107	124	136	143	205	184	219	236	186	221	212	196
Depreciation DepreciationCr	0	0	0	0	0	0	0	0	0	0	0	0
PBT PBTCr	171	171	210	177	210	204	238	212	243	249	273	287
Tax TaxCr	44	44	54	46	54	52	61	54	59	64	67	74
PAT PATCr	127	127	156	131	155	151	177	157	184	185	206	213
Growth YoY PAT Growth YoY%	12.8	11.2	9.5	3.5	22.6	19.6	13.7	19.7	18.3	22.0	16.1	35.6
NPM NPM%	9.7	9.2	10.8	8.8	9.9	9.1	10.2	8.7	10.1	9.9	10.8	10.7
EPS EPS₹	4.1	4.1	5.0	4.2	5.0	4.8	5.6	5.0	5.8	5.8	6.4	6.6
Ratios Ratios

Standalone

Numbers

Percentage

Financial Year	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue RevenueCr	1,698	2,076	2,413	3,041	3,537	3,458	3,513	4,200	5,362	6,471	7,404	7,575
Growth Revenue Growth%	19.4	22.2	16.2	26.1	16.3	-2.2	1.6	19.6	27.7	20.7	14.4	11.5
Interest Expended Interest ExpendedCr	1,079	1,279	1,418	1,892	2,272	2,172	2,155	2,483	3,434	4,364	4,948	5,015
Expenses ExpensesCr	549	700	867	949	1,114	1,223	1,357	1,423	1,586	1,927	2,228	2,323
Financing Profit Financing ProfitCr	71	97	129	200	151	63	1	294	342	179	228	237
FPM FPM%	4.2	4.7	5.3	6.6	4.3	1.8	0.0	7.0	6.4	2.8	3.1	3.1
Other Income Other IncomeCr	220	249	311	350	392	446	452	410	474	751	855	815
Depreciation DepreciationCr	30	39	53	44	51	57	64	77	94	101	106	0
PBT PBTCr	261	307	386	507	492	453	390	628	722	829	977	1,052
Tax TaxCr	67	107	141	181	154	117	102	162	186	213	245	265
PAT PATCr	195	200	245	325	338	336	288	466	536	615	732	788
Growth PAT Growth%	1.8	2.6	22.9	32.6	3.9	-0.6	-14.4	61.9	15.1	14.8	18.9	22.8
NPM NPM%	11.4	9.6	10.2	10.7	9.6	9.7	8.2	11.1	10.0	9.5	9.9	10.4
EPS EPS₹	6.9	7.0	8.0	10.5	10.9	10.8	9.3	15.0	17.2	19.6	23.0	24.6

Financial Year	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue RevenueCr	1,698	2,076	2,413	3,041	3,537	3,458	3,513	4,200	5,362	6,471	7,404	7,575
Growth Revenue Growth%	19.4	22.2	16.2	26.1	16.3	-2.2	1.6	19.6	27.7	20.7	14.4	11.5
Interest Expended Interest ExpendedCr	1,079	1,279	1,418	1,892	2,272	2,172	2,155	2,483	3,434	4,364	4,948	5,015
Expenses ExpensesCr	549	700	867	949	1,114	1,223	1,357	1,423	1,586	1,927	2,228	2,323
Financing Profit Financing ProfitCr	71	97	129	200	151	63	1	294	342	179	228	237
FPM FPM%	4.2	4.7	5.3	6.6	4.3	1.8	0.0	7.0	6.4	2.8	3.1	3.1
Other Income Other IncomeCr	220	249	311	350	392	446	452	410	474	751	855	815
Depreciation DepreciationCr	30	39	53	44	51	57	64	77	94	101	106	0
PBT PBTCr	261	307	386	507	492	453	390	628	722	829	977	1,052
Tax TaxCr	67	107	141	181	154	117	102	162	186	213	245	265
PAT PATCr	195	200	245	325	338	336	288	466	536	615	732	788
Growth PAT Growth%	1.8	2.6	22.9	32.6	3.9	-0.6	-14.4	61.9	15.1	14.8	18.9	22.8
NPM NPM%	11.4	9.6	10.2	10.7	9.6	9.7	8.2	11.1	10.0	9.5	9.9	10.4
EPS EPS₹	6.9	7.0	8.0	10.5	10.9	10.8	9.3	15.0	17.2	19.6	23.0	24.6

Standalone

Numbers

Percentage

Financial Year	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital Equity CapitalCr	284	285	308	310	310	311	311	312	313	314	322
Reserves ReservesCr	1,506	1,918	2,498	2,805	3,111	3,447	3,737	4,252	4,755	5,373	6,208
Deposits DepositsCr	14,926	19,289	24,007	28,435	30,370	29,704	34,692	41,239	49,353	60,031	72,583
Borrowings BorrowingsCr	1,148	1,276	1,927	2,723	3,408	4,482	4,082	4,118	6,219	9,115	6,086
Other Liabilities Other LiabilitiesCr	1,254	1,278	1,482	1,519	1,306	1,658	1,972	2,446	2,397	1,976	2,870
Total Liabilities Total LiabilitiesCr	19,119	24,046	30,222	35,792	38,505	39,602	44,793	52,366	63,037	76,810	88,069
Fixed Assets Fixed AssetsCr	248	489	494	526	546	569	661	826	865	898	989
Investments InvestmentsCr	4,333	5,818	6,219	7,844	7,742	8,414	9,051	12,582	16,211	20,150	20,378
Advances AdvancesCr	13,603	16,496	21,059	24,540	26,579	27,425	30,760	36,429	42,757	52,927	62,344
Cash Equivalents Cash EquivalentsCr	892	1,192	2,372	2,793	3,546	3,039	4,091	2,368	3,066	2,699	4,220
Other Assets Other AssetsCr	42	51	78	89	93	156	230	160	138	136	138
Total Assets Total AssetsCr	19,119	24,046	30,222	35,792	38,505	39,602	44,793	52,366	63,037	76,810	88,069

Financial Year	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital Equity CapitalCr	284	285	308	310	310	311	311	312	313	314	322
Reserves ReservesCr	1,506	1,918	2,498	2,805	3,111	3,447	3,737	4,252	4,755	5,373	6,208
Deposits DepositsCr	14,926	19,289	24,007	28,435	30,370	29,704	34,692	41,239	49,353	60,031	72,583
Borrowings BorrowingsCr	1,148	1,276	1,927	2,723	3,408	4,482	4,082	4,118	6,219	9,115	6,086
Other Liabilities Other LiabilitiesCr	1,254	1,278	1,482	1,519	1,306	1,658	1,972	2,446	2,397	1,976	2,870
Total Liabilities Total LiabilitiesCr	19,119	24,046	30,222	35,792	38,505	39,602	44,793	52,366	63,037	76,810	88,069
Fixed Assets Fixed AssetsCr	248	489	494	526	546	569	661	826	865	898	989
Investments InvestmentsCr	4,333	5,818	6,219	7,844	7,742	8,414	9,051	12,582	16,211	20,150	20,378
Advances AdvancesCr	13,603	16,496	21,059	24,540	26,579	27,425	30,760	36,429	42,757	52,927	62,344
Cash Equivalents Cash EquivalentsCr	892	1,192	2,372	2,793	3,546	3,039	4,091	2,368	3,066	2,699	4,220
Other Assets Other AssetsCr	42	51	78	89	93	156	230	160	138	136	138
Total Assets Total AssetsCr	19,119	24,046	30,222	35,792	38,505	39,602	44,793	52,366	63,037	76,810	88,069

Standalone

Financial Year	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Operating Cash Flow Operating Cash FlowCr	220	240	230	-281	171	-1,502	1,606	-1,566	485	-441	6,640
Investing Cash Flow Investing Cash FlowCr	-41	-71	-59	-76	-72	-79	-157	-165	-1,858	-2,792	-2,141
Financing Cash Flow Financing Cash FlowCr	-6	132	1,009	779	654	1,075	-398	8	2,070	2,865	-2,977
Net Cash Flow Net Cash FlowCr	172	301	1,180	421	752	-507	1,051	-1,722	697	-367	1,522
Free Cash Flow Free Cash FlowCr	179	169	171	-358	99	-1,582	1,449	-1,730	352	-576	6,551
CFO To EBITDA CFO To EBITDA%	309.6	248.0	178.5	-140.5	112.8	-2,367.4	1,61,220.1	-531.8	141.7	-245.7	2,909.1

Financial Year	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Operating Cash Flow Operating Cash FlowCr	220	240	230	-281	171	-1,502	1,606	-1,566	485	-441	6,640
Investing Cash Flow Investing Cash FlowCr	-41	-71	-59	-76	-72	-79	-157	-165	-1,858	-2,792	-2,141
Financing Cash Flow Financing Cash FlowCr	-6	132	1,009	779	654	1,075	-398	8	2,070	2,865	-2,977
Net Cash Flow Net Cash FlowCr	172	301	1,180	421	752	-507	1,051	-1,722	697	-367	1,522
Free Cash Flow Free Cash FlowCr	179	169	171	-358	99	-1,582	1,449	-1,730	352	-576	6,551
CFO To EBITDA CFO To EBITDA%	309.6	248.0	178.5	-140.5	112.8	-2,367.4	1,61,220.1	-531.8	141.7	-245.7	2,909.1

Standalone

Financial Year	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Current
Valuation Ratios Valuation Ratios
Market Cap Market CapitalizationCr	2,246	4,870	4,972	6,326	2,949	3,189	2,158	3,327	3,726	3,520	5,101	6,778
Price To Earnings Price To Earnings	11.5	24.4	20.3	19.4	8.7	9.5	7.5	7.1	7.0	5.7	7.0	8.6
Price To Sales Price To Sales	1.3	2.4	2.1	2.1	0.8	0.9	0.6	0.8	0.7	0.5	0.7	0.9
Price To Book Price To Book	1.3	2.5	1.9	2.2	0.9	0.9	0.6	0.8	0.8	0.7	0.8	1.1
EV To EBITDA EV To EBITDA	35.3	51.2	35.1	31.2	18.6	73.0	2,157.5	17.2	20.1	55.4	30.5	342.9
Profitability Ratios Profitability Ratios
FPM FPM%	4.2	4.7	5.3	6.6	4.3	1.8	0.0	7.0	6.4	2.8	3.1	3.1
NPM NPM%	11.4	9.6	10.2	10.7	9.6	9.7	8.2	11.1	10.0	9.5	9.9	10.4
ROCE ROCE%	7.5	7.0	6.3	7.0	7.4	6.9	5.9	6.2	6.8	6.9	7.0	7.0
ROE ROE%	10.9	9.1	8.7	10.4	9.9	8.9	7.1	10.2	10.6	10.8	11.2	11.2
ROA ROA%	1.0	0.8	0.8	0.9	0.9	0.8	0.6	0.9	0.8	0.8	0.8	0.8
Solvency Ratios Solvency Ratios

Financial Year	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Current
Valuation Ratios Valuation Ratios
Market Cap Market CapitalizationCr	2,246	4,870	4,972	6,326	2,949	3,189	2,158	3,327	3,726	3,520	5,101	6,778
Price To Earnings Price To Earnings	11.5	24.4	20.3	19.4	8.7	9.5	7.5	7.1	7.0	5.7	7.0	8.6
Price To Sales Price To Sales	1.3	2.4	2.1	2.1	0.8	0.9	0.6	0.8	0.7	0.5	0.7	0.9
Price To Book Price To Book	1.3	2.5	1.9	2.2	0.9	0.9	0.6	0.8	0.8	0.7	0.8	1.1
EV To EBITDA EV To EBITDA	35.3	51.2	35.1	31.2	18.6	73.0	2,157.5	17.2	20.1	55.4	30.5	342.9
Profitability Ratios Profitability Ratios
FPM FPM%	4.2	4.7	5.3	6.6	4.3	1.8	0.0	7.0	6.4	2.8	3.1	3.1
NPM NPM%	11.4	9.6	10.2	10.7	9.6	9.7	8.2	11.1	10.0	9.5	9.9	10.4
ROCE ROCE%	7.5	7.0	6.3	7.0	7.4	6.9	5.9	6.2	6.8	6.9	7.0	7.0
ROE ROE%	10.9	9.1	8.7	10.4	9.9	8.9	7.1	10.2	10.6	10.8	11.2	11.2
ROA ROA%	1.0	0.8	0.8	0.9	0.9	0.8	0.6	0.9	0.8	0.8	0.8	0.8
Solvency Ratios Solvency Ratios

	J&KBANK	SOUTHBANK	TMB	KTKBANK	DCBBANK	CSBBANK	DHANBANK
Market CapitalizationMkt CapCr	15,345	14,213	13,750	12,474	6,778	5,421	1,462
Close PriceClose₹	139.35	54.26	868.35	329.65	210.38	312.50	37.05
IndustryIndustry	Private Banks	Private Banks	Private Banks	Private Banks	Private Banks	Private Banks	Private Banks
Price To EarningsPE	6.66	8.95	9.52	8.67	8.55	8.16	12.65
Price To SalesPS	1.14	1.35	2.26	1.38	0.89	1.14	0.87
RevenueRevenueCr	13,429	10,501	6,096	9,039	7,575	4,752	1,683
Revenue Growth TTMRev Gr TTM%	4.8%	10.4%	13.0%	0.5%	11.5%	24.8%	21.8%
PAT Growth TTMPAT Gr TTM%	7.0%	16.8%	20.3%	23.4%	22.8%	10.9%	33.0%

	J&KBANK	SOUTHBANK	TMB	KTKBANK	DCBBANK	CSBBANK	DHANBANK
Market CapitalizationMkt CapCr	15,345	14,213	13,750	12,474	6,778	5,421	1,462
Close PriceClose₹	139.35	54.26	868.35	329.65	210.38	312.50	37.05
IndustryIndustry	Private Banks	Private Banks	Private Banks	Private Banks	Private Banks	Private Banks	Private Banks
Price To EarningsPE	6.66	8.95	9.52	8.67	8.55	8.16	12.65
Price To SalesPS	1.14	1.35	2.26	1.38	0.89	1.14	0.87
RevenueRevenueCr	13,429	10,501	6,096	9,039	7,575	4,752	1,683
Revenue Growth TTMRev Gr TTM%	4.8%	10.4%	13.0%	0.5%	11.5%	24.8%	21.8%
PAT Growth TTMPAT Gr TTM%	7.0%	16.8%	20.3%	23.4%	22.8%	10.9%	33.0%

FY2026

FY2025

FY2024

FY2023

FY2022

FY2021

FY2020

FY2026

Jun 26