Dhanlaxmi Bank Ltd Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Interest Earned

407.06

383.61

367.76

350.62

334.59

328.83

305.84

Income On Investments

71.72

72.27

64.06

60.25

49.83

58.06

58.11

Interest On Balances With Rbi Other Inter Bank Funds

1.90

1.78

1.99

4.72

6.72

2.30

0.88

Interest / Discount On Advances / Bills

332.04

307.96

299.98

283.99

275.89

258.08

244.94

Others

1.40

1.60

1.73

1.66

2.15

10.39

1.91

Other Income

49.25

34.55

39.30

43.09

42.20

51.81

32.10

Total Income

456.31

418.16

407.06

393.71

376.79

380.64

337.94

Interest Expended

252.84

241.65

228.66

216.39

206.25

208.00

205.95

Net Interest Income

154.22

141.96

139.10

134.23

128.34

120.83

99.89

Total Expenditure (Excl Depreciation)

162.33

148.32

145.12

138.64

143.96

139.51

135.28

Employee Cost

87.22

85.04

83.67

71.05

82.37

79.96

80.26

Other Operating Expenses

75.11

63.28

61.45

67.59

61.59

59.55

55.02

Operating Profit Before Provisions and Contingencies

41.14

28.19

33.28

38.68

26.58

33.13

-3.29

Exceptional Items

0.00

Provisions and contingencies

17.26

4.99

21.10

11.50

6.70

0.57

4.71

Profit Before Tax

23.88

23.20

12.18

27.18

19.88

32.56

-8.00

Tax

0.00

-1.80

0.03

6.75

0.00

Profit After Tax

23.88

23.20

12.18

28.98

19.85

25.81

-8.00

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

23.88

23.20

12.18

28.98

19.85

25.81

-8.00

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

0.61

0.59

0.31

0.73

0.78

0.83

-0.26

Diluted Earnings per share

0.61

0.59

0.31

0.85

0.76

0.83

-0.25

Operating Profit Margin (Excl OI)

55.88%

60.03%

54.8%

57.18%

54.97%

57.4%

54.23%

Gross Profit Margin

5.87%

6.05%

3.31%

7.75%

5.94%

9.9%

-2.62%

PAT Margin

5.87%

6.05%

3.31%

8.27%

5.93%

7.85%

-2.62%

Net Interest Margin

3.43%

3.33%

3.39%

3.46%

3.4%

3.25%

2.76%

Return on Assets

0.0%

CASA (%)

28.13%

28.87%

28.21%

29.02%

30.54%

31.66%

31.19%

CASA Amount

5,018.00

4,938.00

4,675.00

4,647.00

4,602.00

4,633.00

4,504.00

Capital Adequacy Ratio (Total)

17.19%

17.81%

18.26%

16.12%

12.79%

13.06%

13.37%

Capital Adequacy Ratio (Tier 1)

14.47%

15.04%

15.47%

15.25%

11.83%

12.1%

12.36%

Provision Coverage Ratio (%)

86.08%

86.94%

87.31%

88.84%

90.96%

88.8%

87.97%

Amount of Gross NPAs

332.40

404.34

401.95

364.11

401.11

421.26

430.16

Amount of Net NPAs

154.13

142.85

138.62

117.94

95.06

120.32

130.61

% of Net NPAs

1.11%

1.12%

1.13%

0.99%

0.86%

1.12%

1.26%

% of Gross NPAs

2.36%

3.1%

3.22%

2.98%

3.53%

3.82%

4.04%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

284.0

282.0

0.0

Number of Branches

261.0

Quarterly Analysis Highlights - YoY

Interest Earned

YoY Growth in quarter ended Dec 2025 is 21.66% vs 8.73% in Dec 2024

Net Profit

YoY Growth in quarter ended Dec 2025 is 20.30% vs 550.82% in Dec 2024

Operating Profit (PBDIT)

YoY Growth in quarter ended Dec 2025 is 54.78% vs 19.14% in Dec 2024

% of Net NPAs

YoY Growth in quarter ended Dec 2025 is 0.25% vs -0.41% in Dec 2024

% of Gross NPAs

YoY Growth in quarter ended Dec 2025 is -1.17% vs -1.28% in Dec 2024

Compare Quarterly Results Of Dhanlaxmi Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

407.06

1,860.88

-1,453.82

-78.13%

Income On Investments

71.72

360.76

-289.04

-80.12%

Interest On Balances With Rbi Other Inter Bank Funds

1.90

11.62

-9.72

-83.65%

Interest / Discount On Advances / Bills

332.04

1,478.83

-1,146.79

-77.55%

Others

1.40

9.67

-8.27

-85.52%

Other Income

49.25

221.42

-172.17

-77.76%

Total Income

456.31

2,082.30

-1,625.99

-78.09%

Interest Expended

252.84

1,236.21

-983.37

-79.55%

Net Interest Income

154.22

624.67

-470.45

-75.31%

Total Expenditure (Excl Depreciation)

162.33

523.25

-360.92

-68.98%

Employee Cost

87.22

269.54

-182.32

-67.64%

Other Operating Expenses

75.11

253.71

-178.60

-70.4%

Operating Profit Before Provisions and Contingencies

41.14

322.84

-281.70

-87.26%

Exceptional Items

0.00

Provisions and contingencies

17.26

74.11

-56.85

-76.71%

Profit Before Tax

23.88

248.73

-224.85

-90.4%

Tax

0.00

63.99

-63.99

-100.0%

Profit After Tax

23.88

184.74

-160.86

-87.07%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

23.88

184.74

-160.86

-87.07%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

0.61

5.74

-5.13

-89.37%

Diluted Earnings per share

0.61

5.72

-5.11

-89.34%

Operating Profit Margin (Excl OI)

55.88%

67.90%

0.00

-12.02%

Gross Profit Margin

5.87%

13.37%

0.00

-7.50%

PAT Margin

5.87%

9.93%

0.00

-4.06%

Net Interest Margin

3.43%

3.27%

0.16

0.16%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

28.13%

22.77%

5.36

5.36%

CASA Amount

5,018.00

0.00

5,018.00

Capital Adequacy Ratio (Total)

17.19%

15.84%

1.35

1.35%

Capital Adequacy Ratio (Tier 1)

14.47%

13.45%

1.02

1.02%

Provision Coverage Ratio (%)

86.08%

75.35%

10.73

10.73%

Amount of Gross NPAs

332.40

1,567.51

-1,235.11

-78.79%

Amount of Net NPAs

154.13

622.98

-468.85

-75.26%

% of Net NPAs

1.11%

1.10%

0.01

0.01%

% of Gross NPAs

2.36%

2.72%

-0.36

-0.36%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

284.00

0.00

284.00

Number of Branches

261.00

469.00

-208.00

-44.35%

Quarterly - Interest Earned

Interest Earned 407.06 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 6.11% vs 4.31% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 21.66% vs 8.73% in Dec 2024

Quarterly - Net Profit

Net Profit 23.88 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 2.93% vs 90.48% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 20.30% vs 550.82% in Dec 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 41.14 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 45.94% vs -15.29% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 54.78% vs 19.14% in Dec 2024

Quarterly - % of Net NPAs

% of Net NPAs 1.11%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is -0.01% vs -0.01% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 0.25% vs -0.41% in Dec 2024

Quarterly - % of Gross NPAs

% of Gross NPAs 2.36%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is -0.74% vs -0.12% in Sep 2025

YoY Growth in quarter ended Dec 2025 is -1.17% vs -1.28% in Dec 2024