Key Metrics of DCB Bank
About DCB Bank
Sectors
Company details
- Website
- dcbbank.com
- Founded
- 1930
- Registered office
- 601 & 602, Peninsula Business Park, 6th Floor, Tower A, Senapati Bapat Marg, Lower Pare, L, Mumbai, In-mh, 400013
- Listed
- NSE: DCBBANK · ₹199.71
Operational Areas of DCB Bank
Company summary
Entity details
Compliance
Industry classification
Financials, ratios and risk analysis
Revenue, EBITDA, net profit, net worth, debt and assets for every filing year, 15+ ratios, the financial health score, shareholding, charges and peer comparison are part of the premium plan.
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Due dates follow the Companies Act: AGM within six months of the year end, AOC-4 within 30 days and MGT-7 within 60 days of the AGM. A filing made but not yet uploaded here shows as pending.
Vendor checks & payment capacity
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Credit ratings
Rating history
Rating actions
| Date | Agency | Action | Long term | Short term | Outlook | Rated amount | Rationale |
|---|---|---|---|---|---|---|---|
| 07 Jul 2026 | CARE | Reaffirmed | AA- | A1+ | Stable | ₹2,400 Cr | View |
| 22 Dec 2025 | CARE | Reaffirmed | AA- | A1+ | Stable | ₹2,400 Cr | View |
| 01 Jul 2025 | CARE | Reaffirmed | AA- | A1+ | Stable | ₹1,900 Cr | View |
| 11 Nov 2024 | CARE | Reaffirmed | AA- | A1+ | Stable | ₹1,400 Cr | View |
| 18 Oct 2024 | CARE | Reaffirmed | — | A1+ | — | ₹1,000 Cr | View |
| 12 Jul 2024 | CARE | Assigned | — | A1+ | — | ₹500 Cr | View |
| 01 Feb 2021 | CARE | Reaffirmed | — | A1+ | — | — | View |
| 07 Apr 2020 | CARE | Other | — | — | — | — | View |
| 01 Apr 2019 | CARE | Other | — | — | — | — | View |
| 27 Mar 2018 | CARE | Other | — | — | — | — | View |
| 31 Mar 2017 | CARE | Other | — | — | — | — | View |
Credit strengths (CARE, Jul 2026)
+ Comfortable capitalisation with adequate buffer
DCB’s capital adequacy ratio (CAR) continues to be comfortable supported by regular accretion of profits and timely equity raise. Promoters (Aga Khan Fund for Economic Development S.A (AKFED)) have infused ₹83.00 crore in the bank in October 2025. The bank had also raised capital through Tier-II bonds of ₹300 crore in March 2023 and ₹400 crore in November 2024. CAR and CET1 ratio stood at 16.55% and 14.26% as on March 31, 2026, respectively, as against 16.77% and 14.30% as on March 31, 2025.
+ Retail focused advance book with stable growth
DCB’s portfolio remains well-diversified and predominantly retail-focused, targeting self-employed and MSME/SME retail segment. Banks majority of the loan book consists of small-ticket loans of less than ₹3 crore (as on March 31, 2026), with an around equal proportion of secured loans. Mortgages (Home loans and loan against property [LAP]) accounted for 39.0% of the advances, followed by Agri & Inclusive Banking (AIB) at 23.5%, and corporate loans at 7.5% as on March 31, 2026.
+ Stable asset quality metrics
DCB has maintained asset quality at comfortable levels despite its exposure to segments that are generally more susceptible to economic downturns. The bank benefits from a relatively low share of unsecured loans and limited exposure to the microfinance sector, which has faced heightened stress recently. As a result, its asset quality remains comparatively stable. The slippage ratio stood at 3.38% during FY26 compared to 3.76% in FY25. GNPA and NNPA stood at 2.45% and 0.89% as on March 31, 2026,
+ Experienced management team
DCB has an established board and management team. The board of DCB comprises 12 members, possessing extensive experience in the BFSI sector. Mr. Praveen Kutty, MD & CEO of the bank, has been a career banker with over 34 years of banking experience In DCB Bank he has held various roles, heading Retail Banking, Agri Banking & SME Banking in the last 17 years. He is supported by various product and functional heads, having a longstanding tenure at the bank possessing significant experience in their
Credit challenges
− Modest scale along with moderate resource profile
DCB Bank remains one of the relatively smaller private sector banks with gross advances of ₹60,998 crore, deposits of ₹72,583 crore and an asset size of ₹87, 515 crore as on March 31, 2026. The bank’s market share in advances and deposits within the overall banking industry continues to remain modest. Although the bank aims to double its balance sheet every three to four years, it is expected to remain a relatively smaller player over the medium term.
− Relatively average earnings profile
DCB’s net interest margin (NIM) remains relatively modest, primarily due to moderation in CASA leading higher cost of funds. However, the bank has an established fee income base bringing stability to the non-interest income. For FY26, the bank reported a net interest income (NII) of ₹2,457 crore and a pre-provision operating profit (PPOP) of ₹1,296 crore. NIM (as a percentage of average total assets) remained largely in line at 3.00% in FY26 from 3.03% in FY25. Cost to income improved substantia
Could lead to an upgrade
Factors that could individually or collectively lead to positive rating action/upgrade : • Improvement in profitability with return on total assets (ROTA) over 1.25% on a sustained basis . • Continuously improving scale of business, significantly increasing CASA proportion while maintaining asset quality parameters and capitalisation.
Could lead to a downgrade
Factors that could individually or collectively lead to negative rating action/downgrade: • Declining capital adequacy ratio (CAR) with cushion over the minimum regulatory requirement falling below 3%. • Deteriorating asset quality with net non-performing assets (NNPA) ratio above 3% on a sustained basis. • Falling profitability with return on total assets (ROTA) remaining below 0.5% on a sustained basis.
Agency-reported financials (CARE, 07 Jul 2026)
| Metric | March 31, 2025 | March 31, 2026 |
|---|---|---|
| Total income | ₹7,221 Cr | ₹8,260 Cr |
| Profit after tax (PAT) | ₹615 Cr | ₹732 Cr |
| Total assets | ₹76,391 Cr | ₹87,515 Cr |
| Net interest margin (NIM) (%) | 3.0% | 3.0% |
| Gross non-performing assets (NPA) (%) | 3.0% | 2.5% |
| Net NPA (%) | 1.1% | 0.9% |
| Capital adequacy ratio (CAR) (%) | 16.8% | 16.6% |
| Revenue growth (YoY) | — | 14.4% |
| PAT margin | 8.5% | 8.9% |
Borrowings & rated debt
Rated limits over time
Facility mix
Rated facilities
| Facility | Type | Previous | Current | Change | Rating | Action | Agency |
|---|---|---|---|---|---|---|---|
| Tier II Bonds | Subordinated debt | — | ₹400 Cr | — | AA- (Stable) | Reaffirmed | CARE |
| Certificate Of Deposit | Fixed deposits | — | ₹2,000 Cr | — | A1+ | Reaffirmed | CARE |
Debt instruments
| ISIN | Instrument | Type | Coupon | Issued | Maturity | Amount | Rating | Status |
|---|---|---|---|---|---|---|---|---|
| INE503A08069 | Nov Nov | Subordinated debt | — | — | — | ₹400 Cr | AA- | Not stated |
| INE503A16HM3 | — | Fixed deposits | — | 24 Nov 2025 | 25 May 2026 | ₹100 Cr | A1+ | Matured |
| INE503A16HK7 | — | Fixed deposits | — | 18 Nov 2025 | 18 May 2026 | ₹100 Cr | A1+ | Matured |
| INE503A16HH3 | — | Fixed deposits | — | 19 Sep 2025 | 18 Mar 2026 | ₹150 Cr | A1+ | Matured |
| INE503A16HG5 | — | Fixed deposits | — | 19 Sep 2025 | 10 Mar 2026 | ₹150 Cr | A1+ | Matured |
| INE503A16HL5 | — | Fixed deposits | — | 21 Nov 2025 | 20 Feb 2026 | ₹75.0 Cr | A1+ | Matured |
| INE503A16HJ9 | — | Fixed deposits | — | 18 Nov 2025 | 17 Feb 2026 | ₹150 Cr | A1+ | Matured |
| INE503A16HI1 | — | Fixed deposits | — | 14 Oct 2025 | 12 Jan 2026 | ₹225 Cr | A1+ | Matured |
| INE503A16HF7 | — | Fixed deposits | — | 19 Sep 2025 | 18 Dec 2025 | ₹400 Cr | A1+ | Matured |
| INE503A16GV6 | — | Fixed deposits | — | 13 Dec 2024 | 12 Dec 2025 | ₹100 Cr | A1+ | Matured |
| INE503A16HC4 | — | Fixed deposits | — | 13 Jun 2025 | 12 Sep 2025 | ₹300 Cr | A1+ | Matured |
| INE503A16HB6 | — | Fixed deposits | — | 11 Jun 2025 | 09 Sep 2025 | ₹50.0 Cr | A1+ | Matured |
| INE503A16GX2 | — | Fixed deposits | — | 10 Jun 2025 | 04 Sep 2025 | ₹150 Cr | A1+ | Matured |
| INE503A16HA8 | — | Fixed deposits | — | 23 May 2025 | 22 Aug 2025 | ₹300 Cr | A1+ | Matured |
CARE ratings on record (checked 23 Oct 2026)
| Instrument | Amount | Rating |
|---|---|---|
| Certificate Of Deposit | ₹2,000 Cr | CARE A1+ |
| Fixed Deposit | — | CARE A1+ |
| Short Term | — | Withdrawn |
| Tier II Bonds | ₹400 Cr | CARE AA-; Stable |
Credit assessment · Banks
Rating Methodology – Banks (Mar 2025) · Standalone accounts · FY 2025-26
Ratios, pillar scores and the indicative rating are part of Premium.
Instrument ratings
| Instrument | Type | Rated | Per criteria | Basis |
|---|---|---|---|---|
| Tier II Bonds | Basel III Tier II | AA- CARE | AA- | senior − 0 |
| Certificate Of Deposit | Fixed deposits | — CARE | AA- | Tier II + 1 |
| Nov Nov | Subordinated debt | AA- CARE | AA- | senior − 0 |
| + | Fixed deposits | A CARE | AA-2 notches lower than criteria | Tier II + 1 |
| CARE Ratings Ltd. | Fixed deposits | A CARE | AA-2 notches lower than criteria | Tier II + 1 |
| Subordinated debt | Subordinated debt | AA- CARE | AA- | senior − 0 |
| Deposit + | Fixed deposits | A CARE | AA-2 notches lower than criteria | Tier II + 1 |
| crore) Tier II Bonds (Basel III) | Basel III Tier II | AA- CARE | AA- | senior − 0 |
| Certificate of deposit | Fixed deposits | — CARE | AA- | Tier II + 1 |
| Upto days + | Fixed deposits | A CARE | AA-2 notches lower than criteria | Tier II + 1 |
| Tier II Bonds Proposed | Basel III Tier II | AA- CARE | AA- | senior − 0 |
Rating status
| Default | No default on record |
| Issuer cooperation | Cooperating |
| Credit enhancement | None – standalone rating |
| Next action stable or better (model) | 80% |
| Information on file | 56% · missing: Liquidity position, Debt obligations and repayment schedule, Capex / investment plans, Auditor details |
Indicative assessment from public data using the published methodology factors; not a credit rating.
Borrowing & funding lifecycle
- Credit outlook model: 57% chance the next rating action is stable or better
- Current rating AA- (investment grade)
Rated limits by facility
Timeline
From the report
Promoters (Aga Khan Fund for Economic Development S.A (AKFED)) have infused ₹83.00 crore in the bank in October 2025.
From the report
The bank had also raised capital through Tier-II bonds of ₹300 crore in March 2023 and ₹400 crore in November 2024.
From the report
Promoters (Aga Khan Fund for Economic Development S.A (AKFED)) have infused ₹ 83.00 crore in the bank on October 10, 2025.
From the report
The bank had also raised capital through Tier-II bonds of ₹300 crore in March 2023 and ₹400 crore in November 2024.
From the report
Last round of equity was raised via qualified institutional placement of ₹379 crore in April 2017.
From the report
The bank had also raised capital through Tier-II bonds of ₹300 crore in March 2023 and ₹400 crore in November 2024.
From the report
Last round of equity was raised via qualified institutional placement of ₹379 crore in April 2017.
From the report
The bank had also raised capital through Tier-II bonds of ₹300 crore in March 2023.
From the report
The last round of equity was raised via qualified institutional placement of ₹379 crore in April 2017.
From the report
The bank had also raised capital through Tier-II bonds of ₹300 crore in March 2023.
From the report
The last round of equity was raised via qualified institutional placement of ₹379 crore in April 2017.
From the report
The bank had also raised capital through Tier-II bonds of ₹300 crore in March 2023.
From the report
The bank raised equity capital of Rs.378.80 crore through a Qualified Institutional Placement (QIP) in FY18 (refers to period from April 01 to March 31) which helped the bank improve its core equity and the bank reported Tier I Capital Adequacy Ratio (CAR) (entirely Common Equity Tier I (CET-I) capital) of 13.76% as on March 31, 2018 [P.Y.: 11.87%].
From the report
DCB Bank also raised Rs.450 crore by way of Tier II Bonds which further helped the bank’s capitalization as the bank reported Total CAR of 16.47% [P.Y.: 13.76%] as on March 31, 2018.
From the report
Three Hundred crore only) Details of instruments/facilities in Annexure-1 Detailed Rationale & Key Rating Drivers The rating continues to take into account DCB Bank’s comfortable asset quality, stable growth in advances, comfortable capitalization levels post equity capital infusion of Rs.379 crore through Qualified Institutional Placement (QIP) during 9MFY18 (refers to period from April to December), and the expectation of continued support from its promoter, the Aga Khan Fund for Economic Development (AKFED).
From the report
During FY17, the bank raised Tier II capital of Rs.150 crore and reported Capital Adequacy Ratio (CAR) of 13.76% [Tier I CAR: 11.87%, entirely comprising Core Equity Tier I (CET 1) capital] as against CAR of 14.11% [Tier I CAR: 12.79%] as on March 31, 2016.
From the report
During 9MFY18, the bank raised Rs.378.80 crore through QIP and additionally raised Rs.450 crore by way of Tier II Bonds up to January 2018.
From the report
During 2006 bank raised Rs.186 crore by way IPO of shares.
From the report
From 2005 Bank has received tier I capital infusion of Rs.1300 crore till December’16.
Lender names, bank charges and audited borrowings are part of Premium.
Built from MCA charges, ICRA/CARE rating reports and audited accounts. The borrowing view is an estimate, not a lender's credit decision.
Registered office and contact
Directors and key people
Directors are read from the MGT-7 annual return and AOC-4 signatories.
Competitors of DCB Bank
Top competitors by location
| Company | Description | Domain | Founded | Location |
|---|---|---|---|---|
 HDFC Bank |
Outlets operated by HDFC Bank. | hdfc.bank.in | 1994 | India |
 ICICI Bank |
Outlets operated by ICICI Bank. | icici.bank.in | — | India |
 State Bank of India |
Outlets operated by State Bank of India. | sbi.bank.in | 1955 | India |
| Outlets operated by Bank of Baroda. | bankofbaroda.bank.in | 1908 | India | |
 Axis Bank |
Outlets operated by Axis Bank. | axis.bank.in | 1990 | Ahmedabad, India |
 Punjab National Bank |
Outlets operated by punjab national bank. | pnb.bank.in | 1894 | India |
 Canara Bank |
Outlets operated by Canara Bank. | canarabank.com | 1906 | Mumbai, India |
 Union Bank of India |
Outlets operated by Union Bank of India. | unionbankofindia.bank.in | 1919 | India |
| Outlets operated by Bank of India. | bankofindia.bank.in | 1906 | Mumbai, India | |
| Outlets operated by Kotak Mahindra Bank. | kotak.bank.in | 1985 | Mumbai, India |
Similar companies
Charges (secured borrowings)
0 registered charges. Lenders, amounts and dates are part of the premium plan.
Statutory auditors
Auditors are read from the AOC-4 auditor's report section.
Business activities and related parties
financial sector
Filings
No filings on record yet.