| Scrip code | 532180 |
|---|---|
| NSE Symbol | DHANBANK |
| MSEI Symbol | NOTLISTED |
| ISIN | INE680A01011 |
| Name of bank | DHANLAXMI BANK LIMITED |
| Class of security | Equity |
| Date of start of financial year | 01-04-2025 |
| Date of end of financial year | 31-03-2026 |
| Date of board meeting when results were approved | 21-01-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 12-01-2026 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| Reporting Type | Quarterly |
| Reporting Quarter | Third quarter |
| Nature of report standalone or consolidated | Standalone |
| Whether results are audited or unaudited | Unaudited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended | Audited |
| Segment Reporting | Multi segment |
| Description of single segment | |
| Start date and time of board meeting | 21-01-2026 13:00:00 |
| End date and time of board meeting | 21-01-2026 14:15:00 |
| Whether cash flow statement is applicable on company | |
| Type of cash flow statement | |
| Declaration of unmodified opinion or statement on impact of audit qualification | Not applicable |
| Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? | No |
| No. of times funds raised during the quarter | |
| Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? | No |
| It is a banking company and there is no unlisted debt securities | |
| Particulars | 3 months/ 6 months ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
|---|---|---|---|
| A | Date of start of reporting period | 01-10-2025 | 01-04-2025 |
| B | Date of end of reporting period | 31-12-2025 | 31-12-2025 |
| C | Whether results are audited or unaudited | Unaudited | Audited |
| D | Nature of report standalone or consolidated | Standalone | Standalone |
| 1 | Interest earned | ||
| Interest or discount on advances or bills | 33,204.00 | 93,998.00 | |
| Income on investments | 7,172.00 | 20,805.00 | |
| Interest on balances with reserve bank of India and other inter bank funds | 190.00 | 567.00 | |
| Others | 140.00 | 473.00 | |
| Total interest earned | 40,706.00 | 1,15,843.00 | |
| 2 | Other income | 4,925.00 | 12,310.00 |
| 3 | Total income | 45,631.00 | 1,28,153.00 |
| Expenses | |||
| 4 | Interest expenses | 25,284.00 | 72,315.00 |
| 5 | Operating expenses | ||
| (i) | Employees cost | 8,722.00 | 25,593.00 |
| (ii) | Details of other operating expenses | ||
| Description of other operating expenses | |||
| 1 | Other operating expenses | 7,511.00 | 19,984.00 |
| Total other operating Expenses | 7,511.00 | 19,984.00 | |
| Total Operating Expenses | 16,233.00 | 45,577.00 | |
| 6 | Total expenditure excluding provisions and contingencies | 41,517.00 | 1,17,892.00 |
| 7 | Operating profit before provision and contingencies | 4,114.00 | 10,261.00 |
| 8 | Provisions other than tax and contingencies | 1,726.00 | 4,335.00 |
| 9 | Exceptional items | 0.00 | 0.00 |
| 10 | Total profit (loss) from ordinary activities before tax | 2,388.00 | 5,926.00 |
| 11 | Provision for Tax | 0.00 | 0.00 |
| 12 | Net profit (loss) from ordinary activities after tax | 2,388.00 | 5,926.00 |
| 13 | Extraordinary items net of tax expenses | 0.00 | 0.00 |
| 14 | Net profit (loss) for the period | 2,388.00 | 5,926.00 |
| 15 | Share of profit (loss) of associates | ||
| 16 | Profit (loss) of minority interest | ||
| 17 | Net Profit (loss) after taxes minority interest and share of profit (loss) of associates | 2,388.00 | 5,926.00 |
| 18 | Details of equity share capital [Abstract] | ||
| Paid-up equity share capital | 39,470.00 | 39,470.00 | |
| Face value of equity share capital | 10 | 10 | |
| 19 | Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) | ||
| 20 | Analytical ratios | ||
| (i) | Percentage of share held by government of India | 0 | 0 |
| (ii) | Capital adequacy ratio | ||
| CET 1 ratio | 14.4700 | 14.4700 | |
| Additional Tier 1 ratio | 2.7200 | 2.7200 | |
| (iii) (a) | Earnings per share before extraordinary items | ||
| Basic earnings per share before extraordinary items | 0.61 | 1.5 | |
| Diluted earnings per share before extraordinary items | 0.61 | 1.5 | |
| (iii) (b) | Earnings per share after extraordinary items | ||
| Basic earnings per share after extraordinary items | 0.61 | 1.5 | |
| Diluted earnings per share after extraordinary items | 0.61 | 1.5 | |
| (iv) | NPA Ratios | ||
| Amount of gross non-performing assets | 33,240.00 | 33,240.00 | |
| Amount of net non-performing assets | 15,413.00 | 15,413.00 | |
| % of gross NPAs | 2.3600 | 2.3600 | |
| % of net NPAs | 1.1100 | 1.1100 | |
| Return on assets | 0.4700 | 0.4100 | |
| 21 | Disclosure of notes on financial results by banks | Textual Information(1) | |
| Textual Information(1) | Notes 1. Statement of Assets and Liabilities is given below (Rs. In Lakh) Particulars 31.12.2025 31.12.2024 31.03.2025 Unaudited Unaudited Audited Capital and Liabilities Capital 39470 25301 39470 Reserves and Surplus 104395 82051 100059 Deposits 1783904 1506788 1601345 Borrowings 50080 15000 20000 Other Liabilities and Provisions 41474 34242 32820 Total 2019323 1663382 1793694 Assets Cash and Balances with Reserve Bank of India 69567 84376 99240 Balances with Bank and Money at Call and Short Notice 20962 37543 8743 Investments 440512 340292 395515 Advances 1391201 1106930 1195949 Fixed Assets 27685 27666 28156 Other Assets 69396 66575 66091 Total 2019323 1663382 1793694 2. The above unaudited financial results for the quarter and nine months ended December 31, 2025, were reviewed and recommended by Audit Committee of Board and approved by the Board of Directors at respective meetings held on January 21, 2026. These Results have been subjected to Limited Review” by the Joint Statutory Central Auditors of the Bank, M/s Sagar & Associates, Chartered Accountants and M/s Abraham & Jose, Chartered Accountants and an unmodified report has been issued by them 3. These financial results have been prepared in accordance with the recognition and measurement principles laid down in Accounting Standards specified under section 133 of the Companies Act, 2013, the relevant provisions of the Banking Regulation Act, 1949, the circulars, guidelines and directions issued by the Reserve Bank of India from time to time and other accounting principles generally accepted in India, and are in compliance with the presentation and disclosure requirements of the Regulation 33 and Regulation 52(4) read with Regulation 63 of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 as amended including relevant circulars issued by SEBI from time to time, to the extent applicable. 4. The Bank has followed the same significant accounting policies in the preparation of quarterly financial results as those followed in the annual financial statements for the year ended 31st March 2025. 5. The financial results have been arrived at after considering provision for standard assets (including requirements for exposures to entities with unhedged foreign currency exposures), provision for non-performing assets, provision for non-performing investments and other usual and necessary provisions. 6. Oher Income includes fees earned from services to customers, commission from non-fund-based banking activities, earnings from foreign exchange transactions, selling of third-party products, profit/ loss on sale of investments (Net), profit/loss on revaluation of investments, recoveries from written off accounts etc. 7. Other income also includes an amount of Rs.200 lakhs being fee received for the sale of Priority Sector Lending Certificates. 8. Disclosure as per Reserve Bank of India (commercial Banks – Financial Statements: Presentation and Disclosures) Directions 2025 dated November 28, 2025 and as amended thereafter, on projects under implementation, for the quarter ended December 31, 2025 is given below; Sl. No Item Description Number of accounts Total outstanding (in lakhs) 1 Projects under implementation accounts at the beginning of the quarter. 83 25977 2 Projects under implementation accounts sanctioned during the quarter. 2 628 3 Projects under implementation accounts where DCCO has been achieved during the quarter 1 26 4 Projects under implementation accounts at the end of the quarter. (1+2-3) 84 26579 5 Out of ‘4’ – accounts in respect of which resolution process involving extension in original / extended DCCO, as the case may be, has been invoked. 1 521 5.1 Out of ‘5’ – accounts in respect of which Resolution plan has been implemented. 0 0 5.2 Out of ‘5’ – accounts in respect of which Resolution plan is under implementation. 0 0 5.3 Out of ‘5’ – accounts in respect of which Resolution plan has failed. 0 0 6 Out of ‘5’, accounts in respect of which resolution process involving extension in original / extended DCCO, as the case may be, has been invoked due to change in scope and size of the project. 0 0 7 Out of ‘5’, account in respect of which cost overrun associated with extension in original / extended DCCO, as the case may be, was funded 0 0 7.1 Out of ‘7’, accounts where SBCF was sanctioned during financial closure and renewed continuously 0 0 7.2 Out of ‘7’, accounts where SBCF was not presanctioned or renewed continuously 0 0 8 Out of ‘4’ – accounts in respect of which resolution process not involving extension in original / extended DCCO, as the case may be, has been invoked. 0 0 8.1 Out of ‘8’ – accounts in respect of which Resolution plan has been implemented. 0 0 8.2 Out of ‘8’ – accounts in respect of which Resolution plan is under implementation. 0 0 8.3 Out of ‘8’ – accounts in respect of which Resolution plan has failed. 0 0 9. Disclosures as per ‘Master Direction – Reserve Bank of India (Commercial Banks- Transfer and Distribution of Credit Risk) Directions, 2025, for the loans transferred/ acquired during the nine months ended December 31, 2025 are given below; (i) During the nine months ended December 31, 2025, the Bank has not transferred any loans not in default through assignment. (ii) During the nine months ended December 31, 2025, the Bank has not acquired any loans not in default or stressed loans or Special Mention Accounts and not transferred any stressed loans or Special mention Accounts. (iii) During the nine months ended December 31, 2025, the bank has not invested in Security Receipts issued by Asset Reconstruction Company (ARC) pursuant to transfer of non-performing asset to ARC. Security Receipts acquired during previous periods are held at nominal value. (iv) The loans transferred/ acquired during the quarter ended December 31, 2025 is Nil. 10. The Capital Adequacy Ratio is computed on the basis of RBI guidelines applicable on the relevant reporting dates and the ratio for the corresponding previous period is not adjusted to consider the impact of subsequent changes if any, in the guidelines. 11. As per extant guidelines, the Banks are required to make Pillar 3 disclosures including Leverage ratio, Liquidity Coverage Ratio and Net Stable Funding Ratio under Basel III Framework. Accordingly, such disclosures have been placed on the website of the Bank which can be accessed at the following link: https://www.dhanbank.com/pillar-iii-disclosure/. These disclosures have not been subjected to Audit/ Review by the Joint Statutory Central Auditors of the Bank. 12. Deferred Tax Assets (DTA) has been determined at Rs. 6277 lakhs as on 31st December 2025 as against DTA of Rs. 5715 lakhs as on 31st March 2025. 13. Provision Coverage Ratio (including Technical Write off) as on December 31, 2025 is 86.08 %. 14. The figures for the previous period have been re-grouped/re-arranged wherever necessary to conform to the current period’s classification. |
|---|
| Particulars | 3 months/ 6 months ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |||||
|---|---|---|---|---|---|---|---|
| Date of start of reporting period | 01-10-2025 | 01-04-2025 | |||||
| Date of end of reporting period | 31-12-2025 | 31-12-2025 | |||||
| Whether results are audited or unaudited | Unaudited | Audited | |||||
| Nature of report standalone or consolidated | Standalone | Standalone | |||||
| 1 | Segment Revenue (Income) | ||||||
| (net sale/income from each segment should be disclosed) | |||||||
| 1 | Treasury | 7,477.00 | 22,528.00 | ||||
| 2 | Retail Banking | 27,980.00 | 73,629.00 | ||||
| 3 | Corporate/ Wholesale Banking | 9,675.00 | 30,886.00 | ||||
| 4 | Other Banking Operations | 499.00 | 1,110.00 | ||||
| Total Segment Revenue | 45,631.00 | 1,28,153.00 | |||||
| Less: Inter segment revenue | |||||||
| Income from operations | 45,631.00 | 1,28,153.00 | |||||
| 2 | Segment Result | ||||||
| Profit (+) / Loss (-) before tax and interest from each segment | |||||||
| 1 | Treasury | 1,800.00 | 4,051.00 | ||||
| 2 | Retail Banking | 955.00 | 2,902.00 | ||||
| 3 | Corporate/ Wholesale Banking | (866.00) | (2,137.00) | ||||
| 4 | Other Banking Operations | 499.00 | 1,110.00 | ||||
| Total Profit before tax | 2,388.00 | 5,926.00 | |||||
| i. Finance cost | 0.00 | 0.00 | |||||
| ii. Other Unallocable Expenditure net off Unallocable income | 0.00 | 0.00 | |||||
| Profit before tax | 2,388.00 | 5,926.00 | |||||
| 3 | (Segment Asset - Segment Liabilities) | ||||||
| Segment Asset | |||||||
| 1 | Treasury | 4,65,893.00 | 4,65,893.00 | ||||
| 2 | Retail Banking | 10,49,829.00 | 10,49,829.00 | ||||
| 3 | Corporate/ Wholesale Banking | 4,91,622.00 | 4,91,622.00 | ||||
| 4 | Other Banking Operations | 0.00 | 0.00 | ||||
| Total Segment Assets | 20,07,344.00 | 20,07,344.00 | |||||
| Un-allocable Assets | 11,979.00 | 11,979.00 | |||||
| Net Segment Assets | 20,19,323.00 | 20,19,323.00 | |||||
| 4 | Segment Liabilities | ||||||
| Segment Liabilities | |||||||
| 1 | Treasury | 4,37,061.00 | 4,37,061.00 | ||||
| 2 | Retail Banking | 9,80,555.00 | 9,80,555.00 | ||||
| 3 | Corporate/ Wholesale Banking | 4,57,842.00 | 4,57,842.00 | ||||
| 4 | Other Banking Operations | 0.00 | 0.00 | ||||
| Total Segment Liabilities | 18,75,458.00 | 18,75,458.00 | |||||
| Un-allocable Liabilities | 1,43,865.00 | 1,43,865.00 | |||||
| Net Segment Liabilities | 20,19,323.00 | 20,19,323.00 | |||||
| Disclosure of notes on segments | For the above segment reporting, the reportable segments are identified as Treasury, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations in Compliance with the revised RBI Guidelines. For the purpose of the disclosure under Accounting Standard 17 - Segment Reporting, issued by the Institute of Chartered Accountants of India (ICAI), ‘Digital Banking’ has been identified as a sub segment under the existing ‘Retail Banking’ segment. Bank has not set up separate ‘Digital Banking Unit’ (DBU) as on 31st December 2025 as per RBI circular No. RBI/2022-23/19 DOR AUT.REC.12/22.01.001/2022-23 dated April 7, 2022 and existing digital banking products are forming part of ‘Retail Banking’ segment only. The business operations of the Bank are substantially concentrated in India and for the purpose of segment Reporting as per Accounting Standard -17, the bank is considered to operate only in domestic segment. Part B: Geographical segments | ||||||