5nance5nance
5nance5nance
HomeScreens
LOGINGET FREE ACCOUNT

Dhanlaxmi Bank Ltd.

•
dhanbank.comBSE: 532180NSE: DHANBANK
Market Cap₹ 1,229 Cr.
Current Price
High / Low₹ 37 / 19
Stock P/E10.6
Book Value₹ 34
Price to Book0.60
Dividend Yield0.00 %
ROCE7.2 %
ROE8.1 %
Face Value₹ 10

Add ratio to table

ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Retail Banking: 61.4% • Corporate/Wholesale Banking: 21.1% • Treasury: 16.4%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence
84%
View full sector analysis →

PROS

  • Company has delivered good profit growth of 22.5% CAGR over last 5 years
  • Comfortable capital adequacy - CAR of 18.9%
  • Asset quality is healthy - gross NPA of just 1.9%
  • Latest quarter profit grew 104.5% YoY, showing strong momentum
  • Strong provisioning - provision coverage ratio of 92.8%
  • Healthy loan book growth of 24.7% with stable asset quality

CONS

  • A large part of profit comes from other income (187.2% of PBT)
  • Weak return ratios for a lender: 3Y avg ROA 0.4%
  • Equity base is being diluted - shares outstanding up 56.0%
  • Effective tax rate is unusually low at 0.0% - earnings may be flattered
  • Though reporting repeated profits, the company pays out little dividend (0.0%)
  • Company's return on assets is weak at 0.5%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesBankBank - Private
Part ofNIFTY 50NIFTY 500NIFTY LARGEMIDCAP 250NIFTY 100NIFTY 200
S.No.Name
1.HDFCBANK702.9013.711083462.652.21203826.901092.64905753.30936.6612.8135.64
2.ICICIBANK1399.5017.911004540.600.8616209.7412.6252240.856.4416.5132.39
3.KOTAKBANK417.2520.45415065.950.165487.0623.8918354.576.4112.0519.05
4.AXISBANK1245.4513.96387739.130.087656.5122.3135541.969.8711.0463.88
5.IDBI81.129.3687223.490.002130.575.277549.287.4414.7676.80
6.FEDERALBNK343.8518.1585013.350.351297.6137.067861.589.9410.9866.11
7.AUBANK1074.1044.2480619.590.09795.9537.035302.7421.1114.1756.24
8.INDUSINDBK998.8058.8577820.560.151037.0271.6811309.94-7.784.9755.07
9.IDFCFIRSTB86.0332.1874172.570.291147.82153.1211051.0914.615.4238.45
10.YESBANK22.5518.7570780.610.001071.8132.538054.495.928.0458.47
11.RBLBANK418.4072.1864891.300.242342.30993.4138402.401015.976.4940.95
12.DHANBANK31.1510.651229.490.0024.91104.52449.3622.197.2360.62
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
2893043083063063293353513683844074434,494
Interest Expended1711831942012062082062162292422532562,717
Net Interest Income1191211141051001211281341391421541871,776
522436413252424339354969349
Total Income0000000000004,842
Operating Expenses1131271391631351401441391451481621431,611
Operating Profit581811-17-3332739332841114514
Provisions & Contingencies28-98-28517122151735159
Profit before Tax3026311-833202712232479355
Tax %6.60%12.34%0.00%69.09%-0.00%20.73%0.15%-6.62%0.00%0.00%0.00%44.92%29.91%
Net Profit282333-826202912232443249
EPS1100-011101111

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
00000001,2071,3201,601—
Interest Expended7576686256146015545957498379791,022
Net Interest Income-757-668-625-614-601-554-595458483622—
1111025311312216975153169192188
Total Income00000001,3601,4891,794484
0000000542557598—
Operating Profit-757-668-625-614-601-554-5956995216—
-1335-11-7030-61128114—
Profit before Tax12-2512663736495867103162
Tax %0.00%-0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%28.53%
Net Profit12-2512663736495867103115
EPS0000112223—

COMPOUNDED SALES GROWTH

10 Years:
3%
5 Years:
11%
3 Years:
14%

COMPOUNDED PROFIT GROWTH

10 Years:
—
5 Years:
23%
3 Years:
28%

STOCK PRICE CAGR

10 Years:
4%
5 Years:
19%
3 Years:
15%
1 Year:
23%

RETURN ON EQUITY

10 Years:
5%
5 Years:
6%
3 Years:
7%
Last Year:
8%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Corporate actions

No bonus data found

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
LIABILITIES----------
Equity Capital210253253253253253253253395395
4454965085746116477087771,0011,079
11,29410,92010,60310,90411,71212,40313,35214,29016,01318,643
145392200178150150492299200737
Other Liabilities & Provisions240225234357371343327343328384
Total Liabilities12,33312,28611,79912,26513,09713,79615,132217,93721,238
ASSETS----------
575603557549602708836760992948
Balances with Banks & Money at Call23326966581383271021587124
4,1944,3654,0373,6824,4394,0443,8893,9423,9554,257
6,4466,1106,2896,4966,7878,1429,45210,10211,95914,918
183173169179225221251267266283
671736648744660653688668661700
Total Assets12,33312,28611,79912,26513,09713,79615,132217,93721,238

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
-99-203-144554-9013921617-5631
Cash from Investing-11-3-10-25-27-388-106111-32-790
Cash from Financing84270-95-23-28000142150
-2664-248506-144-249111128105-8

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
PER SHARE
EPS (₹)0.59-0.980.462.601.471.421.952.291.692.60
Book Value (₹)31.1924.0824.5627.1828.6730.1131.6634.4031.3333.17
Dividend per Share (₹)0.000.000.000.000.000.000.000.000.000.00
PROFITABILITY
Net Interest Margin %0.00%0.00%0.00%0.00%0.00%0.00%0.00%3.05%2.84%3.07%
ROA %0.10%-0.20%0.10%0.55%0.29%0.27%0.34%0.37%0.39%0.52%
ROE %2.13%-3.94%1.90%10.05%5.26%4.83%6.32%6.92%6.33%8.07%
0.00%0.00%0.00%0.00%0.00%0.00%0.00%88.66%85.42%73.45%
ASSET QUALITY
Gross NPA %0.00%0.00%0.00%0.00%0.00%8.67%0.00%0.00%0.00%3.22%
Net NPA %0.00%0.00%0.00%0.00%0.00%4.92%0.00%0.00%0.00%1.13%
Provision Coverage %0.00%0.00%0.00%0.00%0.00%74.18%0.00%0.00%0.00%87.31%
Slippage Ratio %——————————
BALANCE SHEET & LIQUIDITY
CASA %0.00%0.00%0.00%0.00%0.00%0.00%0.00%30.66%29.02%28.86%
Credit-Deposit Ratio %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.02%0.01%0.04%
0.00%0.00%0.00%0.00%0.00%0.00%0.00%12.71%16.12%18.92%
GROWTH & VALUATION
Net Profit Growth %105.91%-300.96%146.91%463.70%-43.46%-3.45%37.48%17.14%15.25%54.18%
Book Value Growth %0.00%0.00%0.00%0.00%0.00%0.00%0.00%8.66%-8.92%5.86%
P/E (x)0.00x0.00x0.00x0.00x0.00x0.00x0.00x14.64x17.57x7.62x
P/B (x)0.00x0.00x0.00x0.00x0.00x0.00x0.00x1.20x0.95x0.60x
0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters0.000.000.000.000.000.000.000.000.00
5.934.976.9515.2615.5215.2715.3215.4214.21
0.070.070.160.050.050.050.050.050.05
Government0.000.000.000.000.000.000.000.000.00
94.0094.9592.8984.6984.4384.6884.6384.5385.75

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-01
General Updates

2026-09-01 - Dhanlaxmi Bank Limited has informed the Exchange about General Updates

2026-08-31
Record Date

2026-08-31 - Dhanlaxmi Bank Limited has informed the Exchange that Record date for the purpose of MT is 17-Sep-2026.

2026-08-31
Shareholders meeting

2026-08-31 - Dhanlaxmi Bank Limited has informed the Exchange regarding Notice of 99th Annual General Meeting to be held on September 23, 2026

2026-08-20
Copy of Newspaper Publication

2026-08-20 - Dhanlaxmi Bank Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-20
General Updates

2026-08-20 - Dhanlaxmi Bank Limited has informed the Exchange about General Updates

2026-08-19
Credit Rating

2026-08-19 - Dhanlaxmi Bank Limited has informed the Exchange about Credit Rating

2026-08-19
General Updates

2026-08-19 - Dhanlaxmi Bank Limited has informed the Exchange about General Updates

2026-08-19
Outcome of Board Meeting

2026-08-19 - Dhanlaxmi Bank Limited has informed the Exchange regarding Outcome of Board Meeting held on August 19, 2026.

2026-08-07
Change in Director(s)

2026-08-07 - Dhanlaxmi Bank Limited has informed the Exchange regarding Change in Director(s) of the company.

News

Recent coverage and analyst commentary for DHANBANK

Loading news…

🤖

AI Stock Analyst

Dhanlaxmi Bank Ltd.

🔒

Sign in to Chat with AI

Log in with your 5nance account to ask institutional questions about performance, financials, and outlook.

✨ Sign In to Chat

Free 5nance Account

5nance5nance

Stock analysis and screening tool

5nanceAI © 2020-2026

Made with ❤️ in India.

Data provided by Accord Fintech

Terms & Privacy.

Product

PremiumWhat's new?Learn

Team

About usSupport

Theme

5nance5nance

Product

PremiumWhat's new?Learn

Team

About usSupport

Theme

5nanceAI © 2020-2026

Data provided by Accord Fintech

Made with ❤️ in India.

HomeScreens
Login