5321802025-10-012025-12-315321802025-12-315321802025-04-012025-12-315321802025-10-012025-12-31in-capmkt:OtherOperatingExpenses1Member5321802025-04-012025-12-31in-capmkt:OtherOperatingExpenses1Member5321802025-10-012025-12-31in-capmkt:ReportableSegments1Member5321802025-10-012025-12-31in-capmkt:ReportableSegments2Member5321802025-10-012025-12-31in-capmkt:ReportableSegments3Member5321802025-10-012025-12-31in-capmkt:ReportableSegments4Member5321802025-04-012025-12-31in-capmkt:ReportableSegments1Member5321802025-04-012025-12-31in-capmkt:ReportableSegments2Member5321802025-04-012025-12-31in-capmkt:ReportableSegments3Member5321802025-04-012025-12-31in-capmkt:ReportableSegments4Member5321802025-10-012025-12-31in-capmkt:ReportableSegments1Member5321802025-10-012025-12-31in-capmkt:ReportableSegments2Member5321802025-10-012025-12-31in-capmkt:ReportableSegments3Member5321802025-10-012025-12-31in-capmkt:ReportableSegments4Member5321802025-04-012025-12-31in-capmkt:ReportableSegments1Member5321802025-04-012025-12-31in-capmkt:ReportableSegments2Member5321802025-04-012025-12-31in-capmkt:ReportableSegments3Member5321802025-04-012025-12-31in-capmkt:ReportableSegments4Member5321802025-10-012025-12-31in-capmkt:ReportableSegments1Member5321802025-12-31in-capmkt:ReportableSegments1Member5321802025-10-012025-12-31in-capmkt:ReportableSegments2Member5321802025-12-31in-capmkt:ReportableSegments2Member5321802025-10-012025-12-31in-capmkt:ReportableSegments3Member5321802025-12-31in-capmkt:ReportableSegments3Member5321802025-10-012025-12-31in-capmkt:ReportableSegments4Member5321802025-12-31in-capmkt:ReportableSegments4Member5321802025-10-012025-12-31in-capmkt:ReportableSegments1Member5321802025-12-31in-capmkt:ReportableSegments1Member5321802025-10-012025-12-31in-capmkt:ReportableSegments2Member5321802025-12-31in-capmkt:ReportableSegments2Member5321802025-10-012025-12-31in-capmkt:ReportableSegments3Member5321802025-12-31in-capmkt:ReportableSegments3Member5321802025-10-012025-12-31in-capmkt:ReportableSegments4Member5321802025-12-31in-capmkt:ReportableSegments4Memberiso4217:INRxbrli:pureiso4217:INRxbrli:shares532180DHANBANKNOTLISTEDINE680A01011DHANLAXMI BANK LIMITEDEquity2025-04-012026-03-312026-01-212026-01-12INRLakhsQuarterlyThird quarterMulti segment2026-01-2113:00:002026-01-2114:15:00Not applicablefalsefalseIt is a banking company and there is no unlisted debt securities2025-10-012025-12-31UnauditedStandalone332040000071720000019000000140000004070600000492500000456310000025284000008722000007511000001623300000415170000041140000017260000002388000000238800000023880000023880000039470000001000.14470.02720.610.610.610.61332400000015413000000.02360.01110.0047Notes <BR> 1. Statement of Assets and Liabilities is given below (Rs. In Lakh) <BR> Particulars 31.12.2025 31.12.2024 31.03.2025 <BR> Unaudited Unaudited Audited <BR> Capital and Liabilities <BR> Capital 39470 25301 39470 <BR> Reserves and Surplus 104395 82051 100059 <BR> Deposits 1783904 1506788 1601345 <BR> Borrowings 50080 15000 20000 <BR> Other Liabilities and Provisions 41474 34242 32820 <BR> Total 2019323 1663382 1793694 <BR> Assets <BR> Cash and Balances with Reserve Bank of India 69567 84376 99240 <BR> Balances with Bank and Money at Call and Short Notice 20962 37543 8743 <BR> Investments 440512 340292 395515 <BR> Advances 1391201 1106930 1195949 <BR> Fixed Assets 27685 27666 28156 <BR> Other Assets 69396 66575 66091 <BR> Total 2019323 1663382 1793694 <BR> <BR> 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 <BR> <BR> 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. <BR> <BR> 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. <BR> <BR> 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. <BR> <BR> 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. <BR> 7. Other income also includes an amount of Rs.200 lakhs being fee received for the sale of Priority Sector Lending Certificates. <BR> <BR> 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; <BR> Sl. No Item Description Number of accounts Total outstanding <BR> (in lakhs) <BR> 1 Projects under implementation accounts at the beginning of the quarter. 83 25977 <BR> 2 Projects under implementation accounts sanctioned during the quarter. 2 628 <BR> 3 Projects under implementation accounts where DCCO has been achieved during the quarter 1 26 <BR> 4 Projects under implementation accounts at the end of the quarter. (1+2-3) 84 26579 <BR> 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 <BR> 5.1 Out of ‘5’ – accounts in respect of which Resolution plan has been implemented. 0 0 <BR> 5.2 Out of ‘5’ – accounts in respect of which Resolution plan is under implementation. 0 0 <BR> 5.3 Out of ‘5’ – accounts in respect of which Resolution plan has failed. 0 0 <BR> 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 <BR> 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 <BR> 7.1 Out of ‘7’, accounts where SBCF was sanctioned during financial closure and renewed continuously 0 0 <BR> 7.2 Out of ‘7’, accounts where SBCF was not presanctioned or renewed continuously 0 0 <BR> 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 <BR> 8.1 Out of ‘8’ – accounts in respect of which Resolution plan has been implemented. 0 0 <BR> 8.2 Out of ‘8’ – accounts in respect of which Resolution plan is under implementation. 0 0 <BR> 8.3 Out of ‘8’ – accounts in respect of which Resolution plan has failed. 0 0 <BR> <BR> 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; <BR> (i) During the nine months ended December 31, 2025, the Bank has not transferred any loans not in default through assignment. <BR> (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. <BR> (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. <BR> (iv) The loans transferred/ acquired during the quarter ended December 31, 2025 is Nil. <BR> <BR> 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. <BR> <BR> 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. <BR> <BR> 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. <BR> <BR> 13. Provision Coverage Ratio (including Technical Write off) as on December 31, 2025 is 86.08 %. <BR> <BR> 14. The figures for the previous period have been re-grouped/re-arranged wherever necessary to conform to the current period’s classification. <BR> <BR> <BR> <BR> <BR> 2025-04-012025-12-31AuditedStandalone93998000002080500000567000004730000011584300000123100000012815300000723150000025593000001998400000455770000011789200000102610000043350000005926000000592600000059260000059260000039470000001000.14470.02721.51.51.51.5332400000015413000000.02360.01110.0041Other operating expenses751100000Other operating expenses1998400000Treasury747700000Retail Banking2798000000Corporate/ Wholesale Banking967500000Other Banking Operations49900000Treasury2252800000Retail Banking7362900000Corporate/ Wholesale Banking3088600000Other Banking Operations111000000456310000012815300000456310000012815300000Treasury180000000Retail Banking95500000Corporate/ Wholesale Banking-86600000Other Banking Operations49900000Treasury405100000Retail Banking290200000Corporate/ Wholesale Banking-213700000Other Banking Operations1110000002388000005926000000000238800000592600000Treasury46589300000Retail Banking104982900000Corporate/ Wholesale Banking49162200000Other Banking Operations02007344000001197900000201932300000Treasury43706100000Retail Banking98055500000Corporate/ Wholesale Banking45784200000Other Banking Operations018754580000014386500000201932300000For 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 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. <BR> <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> Part B: Geographical segments <BR> <BR>