| 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 | 28-04-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 13-04-2026 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| Reporting Type | Quarterly |
| Reporting Quarter | Fourth quarter |
| Nature of report standalone or consolidated | Standalone |
| Whether results are audited or unaudited | Audited |
| 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 | 28-04-2026 12:30:00 |
| End date and time of board meeting | 28-04-2026 14:05:00 |
| Whether cash flow statement is applicable on company | Yes |
| Type of cash flow statement | Cash Flow Indirect |
| Declaration of unmodified opinion or statement on impact of audit qualification | Declaration of unmodified opinion |
| Whether the company has any related party? | Yes |
| Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure? | Yes |
| (I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public | Yes |
| (II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure. | Yes |
| (III) Whether the company is a high value debt listed entity according to regulation 15 (1A)? | No |
| (a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication? | |
| (b) If answer to above question is No, please explain the reason for not complying. | |
| Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company? | Yes |
| Latest Date on which RPT policy is updated | 24-03-2026 |
| Indicate Company website link for updated RPT policy of the Company | https://www.dhanbank.com/bank-policies/ |
| 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 | 01-01-2026 | 01-04-2025 |
| B | Date of end of reporting period | 31-03-2026 | 31-03-2026 |
| C | Whether results are audited or unaudited | Audited | Audited |
| D | Nature of report standalone or consolidated | Standalone | Standalone |
| 1 | Interest earned | ||
| Interest or discount on advances or bills | 36,537.00 | 1,30,535.00 | |
| Income on investments | 6,811.00 | 27,616.00 | |
| Interest on balances with reserve bank of India and other inter bank funds | 290.00 | 857.00 | |
| Others | 667.00 | 1,140.00 | |
| Total interest earned | 44,305.00 | 1,60,148.00 | |
| 2 | Other income | 6,929.00 | 19,239.00 |
| 3 | Total income | 51,234.00 | 1,79,387.00 |
| Expenses | |||
| 4 | Interest expenses | 25,600.00 | 97,915.00 |
| 5 | Operating expenses | ||
| (i) | Employees cost | 7,104.00 | 32,697.00 |
| (ii) | Details of other operating expenses | ||
| Description of other operating expenses | |||
| 1 | Other operating expenses | 7,163.00 | 27,147.00 |
| Total other operating Expenses | 7,163.00 | 27,147.00 | |
| Total Operating Expenses | 14,267.00 | 59,844.00 | |
| 6 | Total expenditure excluding provisions and contingencies | 39,867.00 | 1,57,759.00 |
| 7 | Operating profit before provision and contingencies | 11,367.00 | 21,628.00 |
| 8 | Provisions other than tax and contingencies | 3,471.00 | 7,806.00 |
| 9 | Exceptional items | 0.00 | 0.00 |
| 10 | Total profit (loss) from ordinary activities before tax | 7,896.00 | 13,822.00 |
| 11 | Provision for Tax | 3,547.00 | 3,547.00 |
| 12 | Net profit (loss) from ordinary activities after tax | 4,349.00 | 10,275.00 |
| 13 | Extraordinary items net of tax expenses | 0.00 | 0.00 |
| 14 | Net profit (loss) for the period | 4,349.00 | 10,275.00 |
| 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 | 4,349.00 | 10,275.00 |
| 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) | 91,443.00 | |
| 20 | Analytical ratios | ||
| (i) | Percentage of share held by government of India | 0 | 0 |
| (ii) | Capital adequacy ratio | ||
| CET 1 ratio | 16.1100 | 16.1100 | |
| Additional Tier 1 ratio | 2.8100 | 2.8100 | |
| (iii) (a) | Earnings per share before extraordinary items | ||
| Basic earnings per share before extraordinary items | 1.1 | 2.6 | |
| Diluted earnings per share before extraordinary items | 1.1 | 2.6 | |
| (iii) (b) | Earnings per share after extraordinary items | ||
| Basic earnings per share after extraordinary items | 1.1 | 2.6 | |
| Diluted earnings per share after extraordinary items | 1.1 | 2.6 | |
| (iv) | NPA Ratios | ||
| Amount of gross non-performing assets | 28,638.00 | 28,638.00 | |
| Amount of net non-performing assets | 7,540.00 | 7,540.00 | |
| % of gross NPAs | 1.8900 | 1.8900 | |
| % of net NPAs | 0.5100 | 0.5100 | |
| Return on assets | 0.8400 | 0.5300 | |
| 21 | Disclosure of notes on financial results by banks | Textual Information(1) | |
| Textual Information(1) | 3. The above audited financial results for the quarter and year ended 31st March 2026 were reviewed by the Audit Committee and recommended for approval to and approved by the Board of Directors at its meeting held on April 28, 2026. These Results have been subjected to Audit 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 audit opinion has been issued. 4. The Bank has followed the same significant accounting policies in the preparation of financial results as those followed in the preparation of annual financial statements for the year ended March 31,2025. 5. The above financial results of the Bank have been prepared in accordance with the provisions of the Banking Regulation Act, 1949, Generally Accepted Accounting Principles in India, including Accounting Standards as specified under Section 133 of the Companies Act, 2013, the guidelines issued by the Reserve Bank of India from time to time and practices generally prevalent in the banking industry in India, Regulation 33 and Regulation 52 read with Regulation 63(2) of the Securities and Exchange Board of India Listing Obligations and Disclosure Requirements Regulations, 2015, as amended, in so far as they apply to banks. 6. The financial results for the quarter and year ended 31st March, 2026 have been arrived at after making provision for tax, and other usual and necessary provisions, provisions for Non-Performing Assets, Standard Assets, restructured advances, exposures to entities with un-hedged foreign currency exposure and Non-Performing Investments as per the guidelines and prudential norms issued by the Reserve Bank of India. 7. 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. 8. 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. These disclosures have not been subjected to Audit/Review by the Joint Central Statutory Auditors of the Bank. 9. Net Deferred Tax Asset (DTA) has been determined at Rs. 4458 lakhs as on 31st March 2026 as against Net DTA of Rs. 5715 lakhs as on 31st March 2025. 10. The loans transferred/ acquired during the quarter/ financial year ended March 31, 2026 under the RBI Master Direction on Transfer of Loan Exposures dated September 24, 2021 are given below :- Details of non- performing assets transferred: - (Rs. in Lakhs) Particulars To Asset Reconstruction Companies (ARCs) To permitted transferees To other transferees No: of accounts 1 - - Aggregate principal outstanding of loans transferred 4425 - - Weighted average residual tenor of the loans transferred - - - Net book value of loans transferred (at the time of transfer) 0 - - Aggregate consideration* 350 - - Additional consideration realized in respect of accounts transferred in earlier years - - - The Bank has not transferred any SMA loan (Special Mention Account) The bank has not acquired any loan. 11. Details of resolution plan implemented under Resolution Framework for Covid -19 related stress as per RBI Circular dated August 6, 2020 (Resolution Framework 1.0) and as per RBI circular dated May 5, 2021 (Resolution Framework 2.0) “Covid-19 related Stress of Individuals and small business” are given below. (Rs. In Lakhs) Type of Borrower (A) (B) (C) (D) (E) Exposure to accounts classified as Standard consequent to implementation of resolution plan – Position as at the end of the previous half year ended September 30, 2025* Of (A), aggregate debt that slipped into NPA during the half-year Of (A) amount written off during the half year Of (A) amount paid by the borrowers during the half year (2) Exposure to accounts classified as Standard consequent to implementation of resolution plan – Position as at the end of this half-year ended March 31, 2026 Personal Loans 1083 19 - 127 917 Corporate Persons 561 - - 96 498 Of which, MSMEs 561 - - 96 498 Others 182 - - 24 117 Total under RFCS 1826 19 - 247 1532 *Excludes other facilities to the borrowers which have not been restructured but considered as a part of residual debt. 12. 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 March 31, 2026 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. 84 26579 2 Projects under implementation accounts sanctioned during the quarter. 1 497 3 Projects under implementation accounts where DCCO has been achieved during the quarter 7 3632 4 Projects under implementation accounts at the end of the quarter. (1+2-3) 78 23444 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. 6 1351 5.1 Out of ‘5’ – accounts in respect of which Resolution plan has been implemented. 6 13.51 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 presanction 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 13. Other 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, fee for the sale of Priority Sector Lending Certificates and recoveries from written off accounts. 14. Net book value of the security receipts ('SRs') held by the Bank is Nil as on March 31, 2026 and hence rating wise distribution has not been disclosed. 15. Other income for the quarter/ financial year ended March 31 2026 includes an amount of Rs.358 lakhs/558 lakhs respectively being fee received for the sale of Priority Sector Lending Certificates. 16. The Government of India has notified the Code on Wages, 2019, the Industrial Relations Code, 2020, the Code on Social Security, 2020, and the Occupational Safety, Health and Working Conditions Code, 2020 (collectively referred to as the Labour Codes), subsuming various existing labour laws. The Ministry of Labour & Employment has issued draft rules, clarifications and FAQs to facilitate implementation of the Labour Codes. Pending finalization and� full implementation of the Labour Codes and issuance of detailed rules/ clarifications, the Bank has evaluated the potential impact on employee benefit obligations, particularly with respect to the definition of wages and its impact on retiral benefits. Based on actuarial assessment carried out, the incremental financial impact is not material for the year ended March 31,2026 and accordingly no additional provision has been considered necessary in the financial statements for the year. The Bank will continue to monitor developments, finalization of rules and clarifications and give effect as may be required. 17. Provision coverage ratio (Including Technical Write off) as on 31st March 2026 is 92.46 %. 18. The figures of the quarter ended March 31, 2026 and March 31,2025 are the balancing figures between the audited figures in respect of full financial year and the unaudited published year to date figures up to the end of the third quarter of the respective financial year which was subjected to limited review. 19. The figures for the previous period have been re-grouped/re-arranged wherever necessary to conform to the current period’s classification. |
|---|
| Particulars | Year ended (dd-mm-yyyy) | ||
|---|---|---|---|
| Date of start of reporting period | 01-04-2025 | ||
| Date of end of reporting period | 31-03-2026 | ||
| Whether results are audited or unaudited | Audited | ||
| Nature of report standalone or consolidated | Standalone | ||
| 1 | Capital and liabilities | ||
| Capital | 39,470.00 | ||
| Reserves and surplus | 1,07,922.00 | ||
| Deposits | 18,64,288.00 | ||
| Borrowings | 73,663.00 | ||
| Other liabilities and provisions | |||
| 1 | Other Liabilities and Provisions | 38,423.00 | |
| Total of Other liabilities and provisions | 38,423.00 | ||
| Total Capital Liabilities | 21,23,766.00 | ||
| 2 | ASSETS | ||
| Cash and Balances with Reserve Bank of India | 94,796.00 | ||
| Balances with Banks and money at call and short notice | 12,384.00 | ||
| Investments | 4,25,744.00 | ||
| Advances | 14,91,806.00 | ||
| Fixed Assets | 29,004.00 | ||
| Other Assets | |||
| 1 | Other Assets | 70,032.00 | |
| Total of Other Assets | 70,032.00 | ||
| Total Assets | 21,23,766.00 | ||
| Disclosure of notes on assets and liabilities | Textual Information(1) | ||
| Textual Information(1) | 3. The above audited financial results for the quarter and year ended 31st March 2026 were reviewed by the Audit Committee and recommended for approval to and approved by the Board of Directors at its meeting held on April 28, 2026. These Results have been subjected to Audit 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 audit opinion has been issued. 4. The Bank has followed the same significant accounting policies in the preparation of financial results as those followed in the preparation of annual financial statements for the year ended March 31,2025. 5. The above financial results of the Bank have been prepared in accordance with the provisions of the Banking Regulation Act, 1949, Generally Accepted Accounting Principles in India, including Accounting Standards as specified under Section 133 of the Companies Act, 2013, the guidelines issued by the Reserve Bank of India from time to time and practices generally prevalent in the banking industry in India, Regulation 33 and Regulation 52 read with Regulation 63(2) of the Securities and Exchange Board of India Listing Obligations and Disclosure Requirements Regulations, 2015, as amended, in so far as they apply to banks. 6. The financial results for the quarter and year ended 31st March, 2026 have been arrived at after making provision for tax, and other usual and necessary provisions, provisions for Non-Performing Assets, Standard Assets, restructured advances, exposures to entities with un-hedged foreign currency exposure and Non-Performing Investments as per the guidelines and prudential norms issued by the Reserve Bank of India. 7. 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. 8. 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. These disclosures have not been subjected to Audit/Review by the Joint Central Statutory Auditors of the Bank. 9. Net Deferred Tax Asset (DTA) has been determined at Rs. 4458 lakhs as on 31st March 2026 as against Net DTA of Rs. 5715 lakhs as on 31st March 2025. 10. The loans transferred/ acquired during the quarter/ financial year ended March 31, 2026 under the RBI Master Direction on Transfer of Loan Exposures dated September 24, 2021 are given below :- Details of non- performing assets transferred: - (Rs. in Lakhs) Particulars To Asset Reconstruction Companies (ARCs) To permitted transferees To other transferees No: of accounts 1 - - Aggregate principal outstanding of loans transferred 4425 - - Weighted average residual tenor of the loans transferred - - - Net book value of loans transferred (at the time of transfer) 0 - - Aggregate consideration* 350 - - Additional consideration realized in respect of accounts transferred in earlier years - - - The Bank has not transferred any SMA loan (Special Mention Account) The bank has not acquired any loan. 11. Details of resolution plan implemented under Resolution Framework for Covid -19 related stress as per RBI Circular dated August 6, 2020 (Resolution Framework 1.0) and as per RBI circular dated May 5, 2021 (Resolution Framework 2.0) “Covid-19 related Stress of Individuals and small business” are given below. (Rs. In Lakhs) Type of Borrower (A) (B) (C) (D) (E) Exposure to accounts classified as Standard consequent to implementation of resolution plan – Position as at the end of the previous half year ended September 30, 2025* Of (A), aggregate debt that slipped into NPA during the half-year Of (A) amount written off during the half year Of (A) amount paid by the borrowers during the half year (2) Exposure to accounts classified as Standard consequent to implementation of resolution plan – Position as at the end of this half-year ended March 31, 2026 Personal Loans 1083 19 - 127 917 Corporate Persons 561 - - 96 498 Of which, MSMEs 561 - - 96 498 Others 182 - - 24 117 Total under RFCS 1826 19 - 247 1532 *Excludes other facilities to the borrowers which have not been restructured but considered as a part of residual debt. 12. 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 March 31, 2026 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. 84 26579 2 Projects under implementation accounts sanctioned during the quarter. 1 497 3 Projects under implementation accounts where DCCO has been achieved during the quarter 7 3632 4 Projects under implementation accounts at the end of the quarter. (1+2-3) 78 23444 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. 6 1351 5.1 Out of ‘5’ – accounts in respect of which Resolution plan has been implemented. 6 13.51 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 presanction 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 13. Other 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, fee for the sale of Priority Sector Lending Certificates and recoveries from written off accounts. 14. Net book value of the security receipts ('SRs') held by the Bank is Nil as on March 31, 2026 and hence rating wise distribution has not been disclosed. 15. Other income for the quarter/ financial year ended March 31 2026 includes an amount of Rs.358 lakhs/558 lakhs respectively being fee received for the sale of Priority Sector Lending Certificates. 16. The Government of India has notified the Code on Wages, 2019, the Industrial Relations Code, 2020, the Code on Social Security, 2020, and the Occupational Safety, Health and Working Conditions Code, 2020 (collectively referred to as the Labour Codes), subsuming various existing labour laws. The Ministry of Labour & Employment has issued draft rules, clarifications and FAQs to facilitate implementation of the Labour Codes. Pending finalization and� full implementation of the Labour Codes and issuance of detailed rules/ clarifications, the Bank has evaluated the potential impact on employee benefit obligations, particularly with respect to the definition of wages and its impact on retiral benefits. Based on actuarial assessment carried out, the incremental financial impact is not material for the year ended March 31,2026 and accordingly no additional provision has been considered necessary in the financial statements for the year. The Bank will continue to monitor developments, finalization of rules and clarifications and give effect as may be required. 17. Provision coverage ratio (Including Technical Write off) as on 31st March 2026 is 92.46 %. 18. The figures of the quarter ended March 31, 2026 and March 31,2025 are the balancing figures between the audited figures in respect of full financial year and the unaudited published year to date figures up to the end of the third quarter of the respective financial year which was subjected to limited review. 19. 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 | 01-01-2026 | 01-04-2025 | |||||
| Date of end of reporting period | 31-03-2026 | 31-03-2026 | |||||
| Whether results are audited or unaudited | Audited | Audited | |||||
| Nature of report standalone or consolidated | Standalone | Standalone | |||||
| 1 | Segment Revenue (Income) | ||||||
| (net sale/income from each segment should be disclosed) | |||||||
| 1 | (a) Treasury | 6,904.00 | 29,432.00 | ||||
| 2 | (b) Retail Banking | 34,077.00 | 1,10,093.00 | ||||
| 3 | (c) Corporate/ Wholesale Banking | 9,318.00 | 37,817.00 | ||||
| 4 | (d) Other Banking Operations | 935.00 | 2,045.00 | ||||
| Total Segment Revenue | 51,234.00 | 1,79,387.00 | |||||
| Less: Inter segment revenue | |||||||
| Income from operations | 51,234.00 | 1,79,387.00 | |||||
| 2 | Segment Result | ||||||
| Profit (+) / Loss (-) before tax and interest from each segment | |||||||
| 1 | (a) Treasury | 2,170.00 | 6,221.00 | ||||
| 2 | (b) Retail Banking | 3,694.00 | 6,431.00 | ||||
| 3 | (c) Corporate/ Wholesale Banking | 1,097.00 | (875.00) | ||||
| 4 | (d) Other Banking Operations | 935.00 | 2,045.00 | ||||
| Total Profit before tax | 7,896.00 | 13,822.00 | |||||
| i. Finance cost | |||||||
| ii. Other Unallocable Expenditure net off Unallocable income | |||||||
| Profit before tax | 7,896.00 | 13,822.00 | |||||
| 3 | (Segment Asset - Segment Liabilities) | ||||||
| Segment Asset | |||||||
| 1 | (a) Treasury | 4,69,822.00 | 4,69,822.00 | ||||
| 2 | (b) Retail Banking | 11,99,020.00 | 11,99,020.00 | ||||
| 3 | (c) Corporate/ Wholesale Banking | 4,47,533.00 | 4,47,533.00 | ||||
| 4 | (d) Other Banking Operations | 0.00 | 0.00 | ||||
| Total Segment Assets | 21,16,375.00 | 21,16,375.00 | |||||
| Un-allocable Assets | 7,390.00 | 7,390.00 | |||||
| Net Segment Assets | 21,23,765.00 | 21,23,765.00 | |||||
| 4 | Segment Liabilities | ||||||
| Segment Liabilities | |||||||
| 1 | (a) Treasury | 4,25,752.00 | 4,25,752.00 | ||||
| 2 | (b) Retail Banking | 11,29,164.00 | 11,29,164.00 | ||||
| 3 | (c) Corporate/ Wholesale Banking | 4,21,459.00 | 4,21,459.00 | ||||
| 4 | (d) Other Banking Operations | 0.00 | 0.00 | ||||
| Total Segment Liabilities | 19,76,375.00 | 19,76,375.00 | |||||
| Un-allocable Liabilities | 0.00 | 0.00 | |||||
| Net Segment Liabilities | 19,76,375.00 | 19,76,375.00 | |||||
| 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 March 2026 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. Part B: Geographical segments 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. | ||||||
| Particulars | Year ended (dd-mm-yyyy) | |
|---|---|---|
| A | Date of start of reporting period | 01-04-2025 |
| B | Date of end of reporting period | 31-03-2026 |
| C | Whether results are audited or unaudited | Audited |
| D | Nature of report standalone or consolidated | Standalone |
| 1 | Statement of cash flows | |
| Cash flows from used in operating activities | ||
| Profit before extraordinary items and tax | 13,822.00 | |
| 2 | Adjustments for reconcile profit (loss) | |
| Adjustments to profit (loss) | ||
| Adjustments for finance costs | 0.00 | |
| Adjustments for depreciation and amortisation expense | 2,997.00 | |
| Adjustments for impairment loss reversal of impairment loss recognised in profit or loss | 0.00 | |
| Adjustments for unrealised foreign exchange losses gains | 0.00 | |
| Adjustments for dividend income | 0.00 | |
| Adjustments for share-based payments | 0.00 | |
| Other adjustments for which cash effects are investing or financing cash flow | (13.00) | |
| Other adjustments to reconcile profit (loss) | 8,418.00 | |
| Other adjustments for non-cash items | 0.00 | |
| Share of profit and loss from partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Total adjustments to profit (loss) | 11,402.00 | |
| 3 | Adjustments for working capital | |
| Adjustments for decrease (increase) in inventories | 0.00 | |
| Adjustments for decrease (increase) in trade receivables | (3,02,626.00) | |
| Adjustments for decrease (increase) in other current assets | 34,601.00 | |
| Adjustments for increase (decrease) in trade payables | 2,62,943.00 | |
| Adjustments for increase (decrease) in other current liabilities | 43,229.00 | |
| Adjustments for provisions | 0.00 | |
| Total adjustments for working capital | 38,147.00 | |
| Total adjustments for reconcile profit (loss) | 49,549.00 | |
| Net cash flows from (used in) operations | 63,371.00 | |
| Dividends received | 0.00 | |
| Interest paid | 0.00 | |
| Interest received | 0.00 | |
| Income taxes paid (refund) | 222.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Net cash flows from (used in) operating activities before extraordinary items | 63,149.00 | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) operating activities | 63,149.00 | |
| 4 | Cash flows from used in investing activities | |
| Cash flows from losing control of subsidiaries or other businesses | 0.00 | |
| Cash flows used in obtaining control of subsidiaries or other businesses | 0.00 | |
| Other cash receipts from sales of equity or debt instruments of other entities | 0.00 | |
| Other cash payments to acquire equity or debt instruments of other entities | 75,829.00 | |
| Other cash receipts from sales of interests in joint ventures | 0.00 | |
| Other cash payments to acquire interests in joint ventures | 0.00 | |
| Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Cash payment for investment in partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Proceeds from sales of tangible assets | 232.00 | |
| Purchase of tangible assets | 3,354.00 | |
| Proceeds from sales of intangible assets | 0.00 | |
| Purchase of intangible assets | 0.00 | |
| Cash advances and loans made to other parties | 0.00 | |
| Cash receipts from repayment of advances and loans made to other parties | 0.00 | |
| Cash payments for future contracts, forward contracts, option contracts and swap contracts | 0.00 | |
| Cash receipts from future contracts, forward contracts, option contracts and swap contracts | 0.00 | |
| Dividends received | 0.00 | |
| Interest received | 0.00 | |
| Income taxes paid (refund) | 0.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Proceeds from government grants | 0.00 | |
| Net cash flows from (used in) investing activities before extraordinary items | (78,951.00) | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) investing activities | (78,951.00) | |
| 5 | Cash flows from used in financing activities | |
| Proceeds from issuing shares | 0.00 | |
| Proceeds from issuing other equity instruments | 0.00 | |
| Proceeds from issuing debentures notes bonds etc | 15,000.00 | |
| Proceeds from borrowings | 0.00 | |
| Repayments of borrowings | 0.00 | |
| Dividends paid | 0.00 | |
| Interest paid | 0.00 | |
| Income taxes paid (refund) | 0.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Net cash flows from (used in) financing activities before extraordinary items | 15,000.00 | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) financing activities | 15,000.00 | |
| Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes | (802.00) | |
| 6 | Effect of exchange rate changes on cash and cash equivalents | |
| Effect of exchange rate changes on cash and cash equivalents | 0.00 | |
| Net increase (decrease) in cash and cash equivalents | (802.00) | |
| Cash and cash equivalents cash flow statement at beginning of period | 1,07,982.00 | |
| Cash and cash equivalents cash flow statement at end of period | 1,07,180.00 | |
| Whether results are audited or unaudited | Audited |
|---|---|
| Declaration of unmodified opinion or statement on impact of audit qualification | Declaration of unmodified opinion |
| Auditor's opinion | |
| Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results | Yes |
| Sr No. | Audit firm's name | Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI | Certificate valid upto | ||
| 1 | Abraham & Jose | Yes | 28-02-2027 | ||
|---|---|---|---|---|---|
| 2 | Sagar & Associates | Yes | 30-11-2028 | ||
Format for Disclosure of Related Party Transactions (applicable only for half-yearly filings i.e., 2nd and 4th quarter) |
| Sr No. | Additional disclosure of related party transactions - applicable only in case the related party transaction relates to loans, inter-corporate deposits, advances or investments made or given by the listed entity/subsidiary. These details need to be disclosed only once, during the reporting period when such transaction was undertaken. | ||||||||||||||||||||||||
| Details of the party (listed entity /subsidiary) entering into the transaction | Details of the counterparty | Type of related party transaction | Details of other related party transaction | Value of the related party transaction as approved by the audit committee | Remarks on approval by audit committee | Value of the related party transaction ratified by the audit committee | Date of Audit Committee Meeting where the ratification was approved | Value of transaction during the reporting period | In case monies are due to either party as a result of the transaction | In case any financial indebtedness is incurred to make or give loans, inter-corporate deposits, advances or investments | Details of the loans, inter-corporate deposits, advances or investments | Notes | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Name | PAN | Name | PAN | Relationship of the counterparty with the listed entity or its subsidiary | Opening balance | Closing balance | Nature of indebtedness (loan/ issuance of debt/ any other etc.) | Details of other indebtedness | Cost | Tenure | Nature (loan/ advance/ intercorporate deposit/ investment ) | Interest Rate (%) | Tenure | Secured/ unsecured | Purpose for which the funds will be utilised by the ultimate recipient of funds (endusage) | ||||||||||
| 1 | DHANLAXMI BANK LIMITED | AJITH KUMAR K K | MANAGING DIRECTOR & CEO | Remuneration | 41,46,990.00 | As approved by Regulators and Shareholders | 41,46,990.00 | 28-04-2026 | 41,46,990.00 | 0.00 | 0.00 | ||||||||||||||
| 2 | DHANLAXMI BANK LIMITED | P SURIARAJ | EXECUTIVE DIRECTOR | Interest received | 22,99,000.00 | As approved by Regulators and Shareholders | 22,99,000.00 | 28-04-2026 | 22,99,000.00 | 0.00 | 0.00 | ||||||||||||||
| Total value of transaction during the reporting period | 64,45,990.00 | ||||||||||||||||||||||||