INTEGRATED FILING — BANKING



General information about company

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 01-04-2026
Date of end of financial year 31-03-2027
Date of board meeting when results were approved 29-07-2026
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 15-07-2026
Description of presentation currency INR
Level of rounding used in financial results Lakhs
Reporting Type Quarterly
Reporting Quarter First 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
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 29-07-2026   12:00:00
End date and time of board meeting 29-07-2026   12:45:00
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
its a banking company


Financial Results - Banking

Amount in (Lakhs)

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 01-04-2026 01-04-2026
B Date of end of reporting period 30-06-2026 30-06-2026
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Standalone Standalone
1 Interest earned
Interest or discount on advances or bills 37,321.00 37,321.00
Income on investments 7,246.00 7,246.00
Interest on balances with reserve bank of India and other inter bank funds 262.00 262.00
Others 107.00 107.00
Total interest earned 44,936.00 44,936.00
2 Other income 3,489.00 3,489.00
3 Total income 48,425.00 48,425.00
Expenses
4 Interest expenses 27,174.00 27,174.00
5 Operating expenses
(i) Employees cost 9,298.00 9,298.00
(ii) Details of other operating expenses
Description of other operating expenses
1 Other operating expenses 6,808.00 6,808.00
Total other operating Expenses 6,808.00 6,808.00
Total Operating Expenses 16,106.00 16,106.00
6 Total expenditure excluding provisions and contingencies 43,280.00 43,280.00
7 Operating profit before provision and contingencies 5,145.00 5,145.00
8 Provisions other than tax and contingencies 1,591.00 1,591.00
9 Exceptional items 0.00 0.00
10 Total profit (loss) from ordinary activities before tax 3,554.00 3,554.00
11 Provision for Tax 1,063.00 1,063.00
12 Net profit (loss) from ordinary activities after tax 2,491.00 2,491.00
13 Extraordinary items net of tax expenses 0.00 0.00
14 Net profit (loss) for the period 2,491.00 2,491.00
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 2,491.00 2,491.00
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 16.7400 16.7400
Additional Tier 1 ratio 2.4500 2.4500
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 0.63 0.63
Diluted earnings per share before extraordinary items 0.63 0.63
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 0.63 0.63
Diluted earnings per share after extraordinary items 0.63 0.63
(iv) NPA Ratios
Amount of gross non-performing assets 28,657.00 28,657.00
Amount of net non-performing assets 7,261.00 7,261.00
% of gross NPAs 1.8200 1.8200
% of net NPAs 0.4700 0.4700
Return on assets 0.4500 0.4500
21 Disclosure of notes on financial results by banks Textual Information(1)


Text Block

Textual Information(1) 1. Statement of Assets and Liabilities as on June 30, 2026. (Rs. In Lakh) Particulars 30.06.2026 30.06.2025 31.03.2026 Unaudited Unaudited Audited Capital and Liabilities Capital 39,470 39,470 39,470 Reserves and Surplus 1,11,851 1,01,011 1,07,922 Deposits 19,40,405 16,56,962 18,64,288 Borrowings 85,871 41,996 73,663 Other Liabilities and Provisions 35,027 30,580 38,423 Total 22,12,624 18,70,019 21,23,766 Assets Cash and Balances with Reserve Bank of India 76,411 1,20,086 94,796 Balances with Bank and Money at Call and Short Notice 23,526 8,278 12,384 Investments 4,52,734 4,23,169 4,25,744 Advances 15,57,166 12,21,820 14,91,806 Fixed Assets 32,296 28,290 29,004 Other Assets 70,491 68,376 70,031 Total 22,12,624 18,70,019 21,23,766 2. The above unaudited financial results for the quarter ended June 30, 2026, were reviewed by the Audit Committee and recommended for approval to and approved by the Board of Directors at its meeting held on July 29, 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 (the RBI) 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 read with Regulation 63 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 (SEBI Regulations) as amended including relevant circulars issued by the SEBI from time to time, to the extent applicable. 4. The Bank has applied significant accounting policies in the preparation of these Financial Results, consistent with those followed in the annual financial statements for the year ended March 31,2026. Any circular / direction issued by the RBI are implemented prospectively when it becomes applicable, unless specifically required under such circulars / directions. 5. In accordance with the RBI (Commercial Bank - Classification, Valuation and Operation of Investment Portfolio) Second amendment Directions, 2026, dated May 18, 2026, the Bank has discontinued the maintenance of the Investment Fluctuation Reserve (IFR). Consequently, the existing balance of Rs 3068 lakhs in the IFR has been transferred to accumulated balance in Profit & Loss Account during the quarter. 6. 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, provision for income tax and other usual and necessary provisions. 7. 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. 8. 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. During the quarter ended June 30, 2026, the Bank has considered net profit for the quarter as part of the regulatory capital as per extant RBI guidelines. 9. 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 Statutory Central Auditors of the Bank. 10. Disclosures as per the 'Reserve Bank of India (Commercial Banks - Financial Statements: Presentation and Disclosures) Directions, 2025' dated November 28,2025, and as amended thereafter, for the loans transferred / acquired during the quarter ended June 30, 2026 and co-lending arrangements, are given below: i) Bank has not transferred any loans not in default or stressed loans (Non-Performing Assets and Special Mention Accounts) during the quarter. ii) Bank has not acquired any loans not in default or stressed loans (Non-Performing Assets and Special Mention Accounts) during the quarter. iii) The Bank neither has any outstanding Co-Lending Arrangements (CLA) or has entered into any CLA during the quarter as per Reserve Bank of India (Commercial Banks – Transfer and Distribution of Credit Risk) Directions, 2025. 11. 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 June 30, 2026 is given below; Sl. No Item Description Number of accounts Total outstanding (in Rs. lakh) 1 Projects under implementation accounts at the beginning of the quarter. 28 12,071.49 2 Projects under implementation accounts sanctioned during the quarter. - - 3 Projects under implementation accounts where DCCO has been achieved during the quarter 3 586.71 4 Projects under implementation accounts at the end of the quarter (1+2-3) 25 11,040.74 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. 7 1,937.94 5.1 Out of ‘5’ – accounts in respect of which Resolution plan has been implemented. 7 1,937.94 5.2 Out of ‘5’ – accounts in respect of which Resolution plan is under implementation. - - 5.3 Out of ‘5’ – accounts in respect of which Resolution plan has failed. - - 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. - - 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 - - 7.1 Out of ‘7’, accounts where SBCF was sanctioned during financial closure and renewed continuously - - 7.2 Out of ‘7’, accounts where SBCF was not pre sanctioned or renewed continuously - - 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. - - 8.1 Out of ‘8’ – accounts in respect of which Resolution plan has been implemented. - - 8.2 Out of ‘8’ – accounts in respect of which Resolution plan is under implementation. - - 8.3 Out of ‘8’ – accounts in respect of which Resolution plan has failed. - - 12. Provision coverage ratio (including Technical Write off) as on 30th June 2026 is 92.77 %. 13. The figures for the quarter ended March 31, 2026 are the balancing figures between audited figures in respect of the financial year 2025-26 and the unaudited published year to date figures up to December 31, 2025, which were subjected to limited review. 14. The figures for the previous period have been re-grouped/re-arranged wherever necessary to conform to the current period’s classification.


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results

Amount in (Lakhs)

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 01-04-2026 01-04-2026
Date of end of reporting period 30-06-2026 30-06-2026
Whether results are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury 7,575.00 7,575.00
2 Retail Banking 29,670.00 29,670.00
3 Corporate/ Wholesale Banking 10,871.00 10,871.00
4 Other Banking Operations 309.00 309.00
Total Segment Revenue 48,425.00 48,425.00
Less: Inter segment revenue
Income from operations 48,425.00 48,425.00
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury 890.00 890.00
2 Retail Banking 2,180.00 2,180.00
3 Corporate/ Wholesale Banking 175.00 175.00
4 Other Banking Operations 309.00 309.00
Total Profit before tax 3,554.00 3,554.00
i. Finance cost 0.00 0.00
ii. Other Unallocable Expenditure net off Unallocable income
Profit before tax 3,554.00 3,554.00
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury 4,99,843.00 4,99,843.00
2 Retail Banking 12,28,268.00 12,28,268.00
3 Corporate/ Wholesale Banking 4,77,897.00 4,77,897.00
4 Other Banking Operations 0.00 0.00
Total Segment Assets 22,06,008.00 22,06,008.00
Un-allocable Assets 6,616.00 6,616.00
Net Segment Assets 22,12,624.00 22,12,624.00
4 Segment Liabilities
Segment Liabilities
1 Treasury 4,51,701.00 4,51,701.00
2 Retail Banking 11,58,753.00 11,58,753.00
3 Corporate/ Wholesale Banking 4,50,849.00 4,50,849.00
4 Other Banking Operations 0.00 0.00
Total Segment Liabilities 20,61,303.00 20,61,303.00
Un-allocable Liabilities 0.00 0.00
Net Segment Liabilities 20,61,303.00 20,61,303.00
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 30th June 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.