DCB Bank Limited share price

Key numbers

Market cap

₹ 6,898 Cr

Current price

₹ 214.09

52-week high / low

₹ 235 / 122

Stock P/E

8.8

Book value

₹ 203.0

Dividend yield

0.68%

ROCE

47.0%

ROE

12.0%

Debt to equity

0.85

Sales growth (3 yrs)

15.9%

Profit growth (3 yrs)

16.3%

1-year return

69.3%

About DCB Bank Limited

DCB Bank Limited engages in the provision of various banking and financial products and services in India. It operates through Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company offers deposit products, including current and saving, NRI, recurring, and fixed deposit accounts; debit, travel smart, and credit cards; and payment services, such as bill/utility payment, remittances, tax payment, and POS terminal services, as well as IMPS, RTGS, NEFT, and UPI services. It also provides secured lending services, including loan against property, overdraft/working capital, co-lending, commercial vehicle, construction equipment and finance, dealer trade advances, kisan credit card, school finance, and retail microfinance; and home, auto, gold, tractor, and term loans, as well as ODTD services. In addition, the company offers corporate banking services, which include trade current accounts, foreign exchange, guarantee, import and export, letter of credit, supply chain, bill collection, and invoice discounting services; and capital management services comprising working capital and cash management services. Further, the company…

Quarterly results

Consolidated figures in ₹ crores

Concall summary (2026-07-30)

AI summary of the earnings call transcript · tone: Positive · source document

Guidance & outlook

• The guidance on cost -to-average below 2.5%, GNPA below 2.5%, NNPA below 1%, ROE greater than 13.5% have been met in Q4 and repeated in Q1.
• I'd be very happy if we continue with that 14, but in realistically I would expect something like a 7% to 8% decline.

Growth & demand

• Our growth in core fee income from INR 134 crores in Q1 of last year to INR 175 crores in this quarter, 31% growth, has helped us offset a one -time treasury income impact of INR 85 crores between these two quarters.
• If I see this quarter, I mean, it is less visible in terms of, you know, the growth is flattish Q-o-Q but interest on advances have grown up decent at 4%.

Margins & costs

• Our NIM at 3.35% has increased by 15 bps over the last year, primarily on the back of lower cost of deposit and improving recoveries.
• On the cost front, we have hit a historical low of 2.42% cost to average assets for the quarter.

Risks & challenges

• This quarter was replete with geopolitical uncertainties, rising inflation, and supply chain disruptions.
• Maybe for we haven't seen that pressure coming in either pricing pressure coming in or the market pressure coming in.

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