Dhanlaxmi Bank Ltd(DHANBANK)

NSE: DHANBANKBSE: 532180

₹ 36-3.25%refreshed 23 Oct, 03:30 pm ISTMarket cap: ₹ 1,421 crNext results: 26 Oct 2026Website: www.dhanbank.comUpdated: 24 Oct 2026

About

Dhanlaxmi Bank is a Kerala-based private sector bank. It offers retail, gold, MSME, agriculture and corporate loans, along with deposit and insurance distribution services. Its branch network covers 14 states and 2 union territories, and 56% of its branches are in Kerala. Total business reached Rs 35,188 cr in Q1 FY27, and FY26 revenue was Rs 1,601.48 cr.^[1][2][3]

Business segments

Retail Banking had revenue of Rs 1,100.93 cr in FY26, 61.4% of segment revenue.^[1][4]
Corporate/Wholesale Banking had revenue of Rs 378.17 cr in FY26, 21.1% of segment revenue.^[1][4]
Treasury had revenue of Rs 294.32 cr in FY26, 16.4% of segment revenue.^[1][4]
Other Banking Operations had revenue of Rs 20.45 cr in FY26.^[1]
The bank has no subsidiary companies (FY26).^[1]

Products and services

Its loans include home, agriculture, personal, education, gold and vehicle loans, plus corporate and MSME loans (FY26).^[1]
It distributes life insurance with Bajaj Allianz Life and Canara HSBC Life, and general insurance with Bajaj Allianz General and SBI General (FY26).^[1]
New in FY26: an FCNR(B) Premium Deposit product and a Loan Origination System that automates retail loan processing.^[1]
In FY26, all branches were upgraded to 'B' category in the core banking system so that every branch can handle forex transactions.^[1]

Loan book and deposits

Gross advances were Rs 15,785 cr in Q1 FY27, up 26.47% YoY from Rs 12,481 cr.^[2]
The gold loan book was Rs 7,105 cr in Q1 FY27, up 75.91% YoY from Rs 4,039 cr. That is about 45% of gross advances, compared with about 38% in Q3 FY26.^[2][5]
MSME advances were Rs 2,250 cr in Q1 FY27, up 29.24% YoY from Rs 1,741 cr.^[2]
Total deposits were Rs 19,403 cr in Q1 FY27, up 17.10% YoY from Rs 16,570 cr.^[2]
CASA was Rs 5,589 cr in Q1 FY27, up 19.55% YoY. It was Rs 5,018 cr in Q3 FY26.^[2][5]
Total business was Rs 35,188 cr in Q1 FY27, up 21.12% YoY.^[2]

Asset quality and capital

Gross NPA was 2.98% and net NPA 0.99% in FY25. CRAR was 16.12%.^[6]
The bank raised Rs 150 Cr of Tier II bonds at a 10.50% coupon by private placement in April 2025.^[1]

Branches and reach

The branch network covers 14 states and 2 union territories (FY26).^[1]
56% of branches were in Kerala in FY26, compared with 58% in FY25.^[1][6]
The bank had deployed 285 ATMs/CRMs across the country as of March 31, 2026.^[1]
It opened 3 new branches in FY26. During the year, 7 branches moved to new premises and 7 were fully refurbished.^[1]
Digital transactions made up 90% of all transactions in FY26. The bank installed 1,590 new Sound Box devices at merchant outlets during the year.^[1]

Customers

The bank focuses on underbanked and underserved customers, especially in the MSME segment (FY26).^[1]
It has been the principal banker to the Travancore Devaswom Board since the 1970s.^[1]
It was the first Kerala-based bank to introduce GST collection through UPI (FY26).^[1]
SHG lending outstanding was Rs 637.49 Cr in FY25.^[6]

Recent developments

H1 FY27 (to Sep 30, 2026): total business was Rs 36,500 crore, up 21.08% YoY. Gross advances were Rs 15,948 crore, up 22.29% YoY.^[7]
The gold loan book was Rs 6,823 crore at Sep 30, 2026, up 53.43% YoY.^[7]
The RBI reinstated the bank's general permission to open, shift and close branches (FY26).^[1]
Two Additional Directors appointed by the RBI under Section 36AB sit on the board (FY26).^[1]

Market Cap

₹1,421 Cr

High / Low

₹37 / 20

Stock P/E

11.4

Price / Book

0.9

Book Value

₹27

EPS

₹2.6

No. of Shares

39.47 Cr

ROE

7.2%

Sales

₹1,601 Cr

Net Profit

₹103 Cr

Loading chart…

Signal history

AI Deep Dive

The analysis Screener can't give you

Our models read the latest earnings call, annual report, and financials end-to-end - then grade management, value the business, and flag the risks. Unlock all of it for this company:

Verdict
The headline call - descriptive label, conviction, and the synthesis behind it.
Valuation
Guidance-anchored P&L bridge - worst / average / best multiple cases.
Walk the talk
Did management deliver on past guidance? A commitment-by-commitment scorecard.
Red flags
Forensic and governance risk pointers, severity-ranked.
Balance sheet
Solvency and earnings-quality score.
Concall briefs
Quarter-by-quarter earnings-call briefs - what changed and why.

₹49 unlocks this company for 90 days, ₹299 for a full year - bundles bring it lower. Built on public disclosures - educational, not investment advice.

AI Deep Dive

Verdict

Locked

The headline call - descriptive label, conviction, and the synthesis behind it.

Company data

Financials

Dhanlaxmi Bank Ltd(DHANBANK)

About

Business segments

Products and services

Loan book and deposits

Asset quality and capital

Branches and reach

Customers

Recent developments

Signal history

The analysis Screener can't give you

AI Deep Dive

Verdict

Company data

Product Segments

Corporate Actions