By BullScreen Editorial Team 
DCB Bank Limited reported steady growth in its Q4 results 2026, with improvements across profitability, loan growth, and asset quality, reflecting stable execution in a competitive banking environment.
For the quarter ended March 31, 2026, the bank posted a Profit After Tax (PAT) of ₹206 crore, marking a 16.14% year-on-year increase. The balance sheet expanded to ₹88,069 crore, up 14.66% compared to the previous year, while total business crossed ₹1.32 lakh crore.
Loan growth remained a key highlight in the DCB Bank Q4 results, with advances rising 17.58% year-on-year to ₹60,022 crore. Deposit growth outpaced advances, climbing 20.91% to ₹72,583 crore, indicating strong liability franchise expansion. However, the CASA ratio moderated to 22.38% from 24.52% a year ago.
Asset quality continued to improve during the quarter. Gross non-performing assets (GNPA) declined to 2.45% from 2.99% last year, while net NPAs (NNPA) reduced to 0.89%. The provision coverage ratio strengthened to 78.42%, and credit costs remained low at 0.32%, reflecting prudent risk management.
On the profitability front, return on assets (ROA) stood at 0.97%, close to the bank’s 1% target, while return on equity (ROE) came in at 13.53%. Net interest margin (NIM) remained stable at 3.39%, and the cost-to-income ratio was reported at 60.53%.
Segment-wise, growth was led by high-yielding retail products. Gold loans surged 56.7% year-on-year, followed by co-lending at 24.9% and agriculture and inclusive banking at 19%. Mortgage loans also saw steady growth of 10.7%.
The bank maintained a healthy capital adequacy ratio of 16.55%, providing sufficient cushion for future expansion. Management reiterated its strategy to double the balance sheet every three to four years, with a focus on secured lending to MSMEs, self-employed customers, and retail borrowers.
With 480 branches across India and continued investment in granular loan segments, the Q4 results 2026 signal a balanced growth trajectory. The improving asset quality and steady margins position the bank well amid evolving credit demand and macroeconomic conditions.
| Metric | Q4 FY26 | YoY Change | Insight |
|---|---|---|---|
| Total Business | ₹1.32+ lakh crore | — | Strong overall scale growth |
| Balance Sheet Size | ₹88,069 crore | 🔼 14.66% | Steady expansion |
| Net Profit (PAT) | ₹206 crore | 🔼 16.14% | Healthy earnings growth |
| Total Advances | ₹60,022 crore | 🔼 17.58% | Strong credit demand |
| Total Deposits | ₹72,583 crore | 🔼 20.91% | Robust deposit mobilization |
| CASA Ratio | 22.38% | 🔽 (from 24.52%) | Slight moderation |
| Capital Adequacy (CAR) | 16.55% | Stable | Strong capital buffer |
| Metric | Q4 FY26 | Q4 FY25 | Trend |
|---|---|---|---|
| Gross NPA (GNPA) | 2.45% | 2.99% | ✅ Improved |
| Net NPA (NNPA) | 0.89% | 1.12% | ✅ Improved |
| Provision Coverage Ratio | 78.42% | — | Strengthened |
| Credit Cost | 0.32% | — | Low & controlled |
| Metric | Q4 FY26 | Insight |
|---|---|---|
| Return on Assets (ROA) | 0.97% | Near 1% target |
| Return on Equity (ROE) | 13.53% | Healthy returns |
| Net Interest Margin (NIM) | 3.39% | Stable margins |
| Cost-to-Income Ratio | 60.53% | Slightly elevated |
| Segment | Growth | Key Driver |
|---|---|---|
| Gold Loans | 🔼 56.7% | High-yield retail push |
| Co-lending | 🔼 24.9% | Partnership-led growth |
| Agri & Inclusive Banking | 🔼 19% | Rural expansion |
| Mortgages | 🔼 10.7% | Stable housing demand |
Source: https://www.bseindia.com/xml-data/corpfiling/AttachLive/0214714f-1adb-46d6-94e0-af3280fc0ae5.pdf