5321802025-01-012025-03-315321802025-03-315321802024-03-315321802024-04-012025-03-315321802025-01-012025-03-31in-capmkt:OtherOperatingExpenses1Member5321802024-04-012025-03-31in-capmkt:OtherOperatingExpenses1Member5321802025-01-012025-03-31in-capmkt:ReportableSegments1Member5321802025-01-012025-03-31in-capmkt:ReportableSegments2Member5321802025-01-012025-03-31in-capmkt:ReportableSegments3Member5321802025-01-012025-03-31in-capmkt:ReportableSegments4Member5321802025-01-012025-03-31in-capmkt:ReportableSegments5Member5321802024-04-012025-03-31in-capmkt:ReportableSegments1Member5321802024-04-012025-03-31in-capmkt:ReportableSegments2Member5321802024-04-012025-03-31in-capmkt:ReportableSegments3Member5321802024-04-012025-03-31in-capmkt:ReportableSegments4Member5321802024-04-012025-03-31in-capmkt:ReportableSegments5Member5321802025-01-012025-03-31in-capmkt:ReportableSegments1Member5321802025-01-012025-03-31in-capmkt:ReportableSegments2Member5321802025-01-012025-03-31in-capmkt:ReportableSegments3Member5321802025-01-012025-03-31in-capmkt:ReportableSegments4Member5321802025-01-012025-03-31in-capmkt:ReportableSegments5Member5321802024-04-012025-03-31in-capmkt:ReportableSegments1Member5321802024-04-012025-03-31in-capmkt:ReportableSegments2Member5321802024-04-012025-03-31in-capmkt:ReportableSegments3Member5321802024-04-012025-03-31in-capmkt:ReportableSegments4Member5321802024-04-012025-03-31in-capmkt:ReportableSegments5Member5321802025-01-012025-03-31in-capmkt:ReportableSegments1Member5321802025-03-31in-capmkt:ReportableSegments1Member5321802025-01-012025-03-31in-capmkt:ReportableSegments2Member5321802025-03-31in-capmkt:ReportableSegments2Member5321802025-01-012025-03-31in-capmkt:ReportableSegments3Member5321802025-03-31in-capmkt:ReportableSegments3Member5321802025-01-012025-03-31in-capmkt:ReportableSegments4Member5321802025-03-31in-capmkt:ReportableSegments4Member5321802025-01-012025-03-31in-capmkt:ReportableSegments5Member5321802025-03-31in-capmkt:ReportableSegments5Member5321802025-01-012025-03-31in-capmkt:ReportableSegments1Member5321802025-03-31in-capmkt:ReportableSegments1Member5321802025-01-012025-03-31in-capmkt:ReportableSegments2Member5321802025-03-31in-capmkt:ReportableSegments2Member5321802025-01-012025-03-31in-capmkt:ReportableSegments3Member5321802025-03-31in-capmkt:ReportableSegments3Member5321802025-01-012025-03-31in-capmkt:ReportableSegments4Member5321802025-03-31in-capmkt:ReportableSegments4Member5321802025-01-012025-03-31in-capmkt:ReportableSegments5Member5321802025-03-31in-capmkt:ReportableSegments5Member5321802025-01-012025-03-31RelatedPartyTransactionDomain15321802024-12-31RelatedPartyTransactionDomain15321802025-03-31RelatedPartyTransactionDomain15321802025-01-012025-03-31RelatedPartyTransactionDomain25321802024-12-31RelatedPartyTransactionDomain25321802025-03-31RelatedPartyTransactionDomain25321802025-01-012025-03-31AuditorDomain15321802025-01-012025-03-31AuditorDomain2iso4217:INRxbrli:pureiso4217:INRxbrli:shares532180DHANBANKNOTLISTEDINE680A01011Dhanlaxmi Bank LimitedEquity2024-04-012025-03-312025-05-092025-04-10INRLakhsQuarterlyFourth quarterMulti segment2025-05-0911:00:002025-05-0913:30:00trueCash Flow IndirectDeclaration of unmodified opiniontruefalseYesYesfalsetrue2025-03-19https://www.dhanbank.com/bank-policies/falsefalseIt is a banking company and there is no unlisted debt securities2025-01-012025-03-31AuditedStandalone28399000006025000004720000016600000350620000043090000039371000002163900000710500000675900000138640000035503000003868000001150000000271800000-18000000289800000028980000028980000039470000001000.15240.00880.850.850.850.85364110000011794000000.02980.00990.0067Notes <BR> 1. Statement of Assets and Liabilities as on March 31, 2025 is given below; Rs. In lakh <BR> Particulars As on 31.03.2025 As on 31.03.2024 <BR> (Audited) (Audited) <BR> Capital and Liabilities <BR> Capital 39470 25301 <BR> Reserve and Surplus 100059 77675 <BR> Deposits 1601345 1429031 <BR> Borrowings 20000 29904 <BR> Other Liabilities and Provisions 32820 34278 <BR> Total 1793694 1596189 <BR> Assets <BR> Cash and Balances with Reserve Bank of India 99240 76003 <BR> Balances with Banks and Money at call and Short Notice 8743 21459 <BR> Investments 395515 394240 <BR> Advances 1195949 1010216 <BR> Fixed Assets 28156 27434 <BR> Other Assets 66091 66837 <BR> Total 1793694 1596189 <BR> <BR> 2. The above audited financial results for the quarter and year ended 31st March 2025 were reviewed by the Audit Committee and recommended for approval to and approved by the Board of Directors at its meeting held on May 09, 2025. 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. <BR> <BR> 3. The Bank has followed the same significant accounting policies in the preparation of financial results as those followed in the annual financial statements for the year ended 31st March 2024 except for the classification and valuation of investments which is as per the Master Direction No. RBI/DOR/2023-24/104 DOR.MRG.36/ 21.04.141/2023-24 on Classification, Valuation and Operation of Investment Portfolio of Commercial Banks (Directions), 2023 issued by Reserve Bank of India dated September 12, 2023 applicable from April 1, 2024. Consequently, the Bank has recognized a net gain of Rs. 266 lakhs (net of tax) as on April 1, 2024 which was credited to General Reserve. Subsequent changes in fair value of performing investments under AFS and Fair Value Through Profit and Loss categories as at March 31, 2025 have been recognized through AFS Reserve and Profit and Loss account respectively. Accordingly, the figures for previous periods are not comparable. <BR> <BR> 4. 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, Regulation 33 and Regulation 52 read with Regulation 63(2) of the Securities and Exchange Board of India (SEBI) Listing Obligations and Disclosure Requirements Regulations, 2015, as amended, in so far as they apply to banks, and the guidelines issued by the RBI. <BR> <BR> 5. The financial results for the quarter and year ended 31st March, 2025 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. <BR> <BR> 6. 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. <BR> <BR> 7. 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. <BR> <BR> 8. Net Deferred Tax Asset (DTA) has been determined at Rs. 5715 lakhs as on 31st March 2025 as against Net DTA of Rs. 5772 lakhs as on 31st March 2024. <BR> <BR> 9. The loans transferred/ acquired during the financial year ended March 31, 2025 under the RBI Master Direction on Transfer of Loan Exposures dated September 24, 2021 is Nil. <BR> <BR> 10. 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. <BR> (Rs. In Lakhs) <BR> Type of Borrower (A) (B) (C) (D) (E) <BR> 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, 2024* 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, 2025 <BR> Personal Loans 1341 48 - 165 1224 <BR> Corporate Persons 709 - - 85 639 <BR> Of which, MSMEs 709 - - 85 639 <BR> Others 1186 60 - 133 352 <BR> Total under RFCS 3236 108 - 383 2215 <BR> *Excludes other facilities to the borrowers which have not been restructured but considered as a part of residual debt. <BR> <BR> 11. 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 and recoveries from written off accounts. <BR> <BR> 12. The Bank, vide its Letter of Offer dated December 19, 2024, offered up to 14,16,86,767 equity shares of face value of Rs. 10 each at a price of Rs.21.00 per equity share (including a premium of Rs.11.00 per equity share) for an amount aggregating to Rs.297.54 crore on a rights basis to the eligible equity shareholders of the bank in the ratio of 14 rights equity shares for every 25 fully paid-up equity shares held by the eligible equity shareholders of the bank on the record date, i.e., on December 27, 2024. The bank has allotted 14,16,86,767 equity shares on February 4,2025. <BR> <BR> Accordingly, share capital increased by Rs. 14169 lakhs (Previous Year Rs. Nil) and share premium increased by Rs. 15061 lakh (Previous Year Rs. Nil). Pursuant to the right issue, earnings per share (EPS) in respect of previous year/ periods has been restated as per Accounting Standard -20 (AS-20), “Earnings Per Share”, prescribed under Section 133 of the Companies Act, 2013. <BR> <BR> 13. Provision coverage ratio (Including Technical Write off) as on 31st March 2025 is 88.84 %. <BR> <BR> 14. The figures of the quarter ended March 31, 2025 and March 31,2024 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. <BR> <BR> 15. The figures for the previous period have been re-grouped/re-arranged wherever necessary to conform to the current period’s classification. <BR> 2024-04-012025-03-31AuditedStandalone106290000002262500000146200000161100000131988000001692000000148908000008365900000313640000024375000005573900000139398000009510000002348000000716200000498000006664000000666400000666400000394700000010841950000000.15240.00882.372.372.372.37364110000011794000000.02980.00990.0041Other Operating Expenses675900000Other Operating Expenses24375000003947000000100059000001601345000002000000000328200000017936940000099240000008743000003955150000011959490000028156000006609100000179369400000Notes <BR> 1. Statement of Assets and Liabilities as on March 31, 2025 is given below; Rs. In lakh <BR> Particulars As on 31.03.2025 As on 31.03.2024 <BR> (Audited) (Audited) <BR> Capital and Liabilities <BR> Capital 39470 25301 <BR> Reserve and Surplus 100059 77675 <BR> Deposits 1601345 1429031 <BR> Borrowings 20000 29904 <BR> Other Liabilities and Provisions 32820 34278 <BR> Total 1793694 1596189 <BR> Assets <BR> Cash and Balances with Reserve Bank of India 99240 76003 <BR> Balances with Banks and Money at call and Short Notice 8743 21459 <BR> Investments 395515 394240 <BR> Advances 1195949 1010216 <BR> Fixed Assets 28156 27434 <BR> Other Assets 66091 66837 <BR> Total 1793694 1596189 <BR> <BR> 2. The above audited financial results for the quarter and year ended 31st March 2025 were reviewed by the Audit Committee and recommended for approval to and approved by the Board of Directors at its meeting held on May 09, 2025. 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. <BR> <BR> 3. The Bank has followed the same significant accounting policies in the preparation of financial results as those followed in the annual financial statements for the year ended 31st March 2024 except for the classification and valuation of investments which is as per the Master Direction No. RBI/DOR/2023-24/104 DOR.MRG.36/ 21.04.141/2023-24 on Classification, Valuation and Operation of Investment Portfolio of Commercial Banks (Directions), 2023 issued by Reserve Bank of India dated September 12, 2023 applicable from April 1, 2024. Consequently, the Bank has recognized a net gain of Rs. 266 lakhs (net of tax) as on April 1, 2024 which was credited to General Reserve. Subsequent changes in fair value of performing investments under AFS and Fair Value Through Profit and Loss categories as at March 31, 2025 have been recognized through AFS Reserve and Profit and Loss account respectively. Accordingly, the figures for previous periods are not comparable. <BR> <BR> 4. 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, Regulation 33 and Regulation 52 read with Regulation 63(2) of the Securities and Exchange Board of India (SEBI) Listing Obligations and Disclosure Requirements Regulations, 2015, as amended, in so far as they apply to banks, and the guidelines issued by the RBI. <BR> <BR> 5. The financial results for the quarter and year ended 31st March, 2025 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. <BR> <BR> 6. 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. <BR> <BR> 7. 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. <BR> <BR> 8. Net Deferred Tax Asset (DTA) has been determined at Rs. 5715 lakhs as on 31st March 2025 as against Net DTA of Rs. 5772 lakhs as on 31st March 2024. <BR> <BR> 9. The loans transferred/ acquired during the financial year ended March 31, 2025 under the RBI Master Direction on Transfer of Loan Exposures dated September 24, 2021 is Nil. <BR> <BR> 10. 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. <BR> (Rs. In Lakhs) <BR> Type of Borrower (A) (B) (C) (D) (E) <BR> 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, 2024* 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, 2025 <BR> Personal Loans 1341 48 - 165 1224 <BR> Corporate Persons 709 - - 85 639 <BR> Of which, MSMEs 709 - - 85 639 <BR> Others 1186 60 - 133 352 <BR> Total under RFCS 3236 108 - 383 2215 <BR> *Excludes other facilities to the borrowers which have not been restructured but considered as a part of residual debt. <BR> <BR> 11. 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 and recoveries from written off accounts. <BR> <BR> 12. The Bank, vide its Letter of Offer dated December 19, 2024, offered up to 14,16,86,767 equity shares of face value of Rs. 10 each at a price of Rs.21.00 per equity share (including a premium of Rs.11.00 per equity share) for an amount aggregating to Rs.297.54 crore on a rights basis to the eligible equity shareholders of the bank in the ratio of 14 rights equity shares for every 25 fully paid-up equity shares held by the eligible equity shareholders of the bank on the record date, i.e., on December 27, 2024. The bank has allotted 14,16,86,767 equity shares on February 4,2025. <BR> <BR> Accordingly, share capital increased by Rs. 14169 lakhs (Previous Year Rs. Nil) and share premium increased by Rs. 15061 lakh (Previous Year Rs. Nil). Pursuant to the right issue, earnings per share (EPS) in respect of previous year/ periods has been restated as per Accounting Standard -20 (AS-20), “Earnings Per Share”, prescribed under Section 133 of the Companies Act, 2013. <BR> <BR> 13. Provision coverage ratio (Including Technical Write off) as on 31st March 2025 is 88.84 %. <BR> <BR> 14. The figures of the quarter ended March 31, 2025 and March 31,2024 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. <BR> <BR> 15. The figures for the previous period have been re-grouped/re-arranged wherever necessary to conform to the current period’s classification. <BR> (a) Treasury682200000(b) Retail Banking1965900000(c) Corporate/ Wholesale Banking1209500000(d) Other Banking Operations79500000(e) Unallocated0(a) Treasury2567300000(b) Retail Banking8191400000(c) Corporate/ Wholesale Banking3979400000(d) Other Banking Operations152700000(e) Unallocated0393710000014890800000393710000014890800000(a) Treasury59300000(b) Retail Banking264300000(c) Corporate/ Wholesale Banking-16300000(d) Other Banking Operations79500000(e) Unallocated0(a) Treasury496500000(b) Retail Banking527600000(c) Corporate/ Wholesale Banking-225800000(d) Other Banking Operations152700000(e) Unallocated0386800000951000000386800000951000000(a) Treasury42786200000(b) Retail Banking87416800000(c) Corporate/ Wholesale Banking48080800000(d) Other Banking Operations0(e) Unallocated10856000001793694000000179369400000(a) Treasury39697100000(b) Retail Banking81177000000(c) Corporate/ Wholesale Banking44542400000(d) Other Banking Operations0(e) Unallocated016541650000013952900000179369400000For 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. <BR> <BR> 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 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. <BR> <BR> Part B: Geographical segments <BR> 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. <BR> <BR> 71620000002533000000000-2400000231000000004819000000-18715600000-136400000172314000002808000000-1339800000-857900000-141700000000-938000000-4790000000-4790000000000000320000032620000000000000000-32300000000-3230000001416900000000150000000000015060000001422900000001422900000105200000001052000000974620000010798200000DHANLAXMI BANK LIMITED******AJITH KUMAR K K******MANAGING DIRECTOR & CEORemuneration334860000000As approved by the Regulator / Shareholders3348600000002025-03-3133486000000000DHANLAXMI BANK LIMITED******P SURIARAJ******EXECUTIVE DIRECTORRemuneration70000000000As approved by the Regulator / Shareholders700000000002025-03-317000000000000404860000000AuditedtrueSAGAR & ASSOCIATEStrue2025-11-30ABRAHAM & JOSEtrue2027-02-28