5321802026-01-012026-03-315321802026-03-315321802025-03-315321802025-04-012026-03-315321802026-01-012026-03-31in-capmkt:OtherOperatingExpenses1Member5321802025-04-012026-03-31in-capmkt:OtherOperatingExpenses1Member5321802026-03-31OtherLiabilitiesAndProvisionsDomain15321802026-03-31OtherAssetsDomain15321802026-01-012026-03-31in-capmkt:ReportableSegments1Member5321802026-01-012026-03-31in-capmkt:ReportableSegments2Member5321802026-01-012026-03-31in-capmkt:ReportableSegments3Member5321802026-01-012026-03-31in-capmkt:ReportableSegments4Member5321802025-04-012026-03-31in-capmkt:ReportableSegments1Member5321802025-04-012026-03-31in-capmkt:ReportableSegments2Member5321802025-04-012026-03-31in-capmkt:ReportableSegments3Member5321802025-04-012026-03-31in-capmkt:ReportableSegments4Member5321802026-01-012026-03-31in-capmkt:ReportableSegments1Member5321802026-01-012026-03-31in-capmkt:ReportableSegments2Member5321802026-01-012026-03-31in-capmkt:ReportableSegments3Member5321802026-01-012026-03-31in-capmkt:ReportableSegments4Member5321802025-04-012026-03-31in-capmkt:ReportableSegments1Member5321802025-04-012026-03-31in-capmkt:ReportableSegments2Member5321802025-04-012026-03-31in-capmkt:ReportableSegments3Member5321802025-04-012026-03-31in-capmkt:ReportableSegments4Member5321802026-01-012026-03-31in-capmkt:ReportableSegments1Member5321802026-03-31in-capmkt:ReportableSegments1Member5321802026-01-012026-03-31in-capmkt:ReportableSegments2Member5321802026-03-31in-capmkt:ReportableSegments2Member5321802026-01-012026-03-31in-capmkt:ReportableSegments3Member5321802026-03-31in-capmkt:ReportableSegments3Member5321802026-01-012026-03-31in-capmkt:ReportableSegments4Member5321802026-03-31in-capmkt:ReportableSegments4Member5321802026-01-012026-03-31in-capmkt:ReportableSegments1Member5321802026-03-31in-capmkt:ReportableSegments1Member5321802026-01-012026-03-31in-capmkt:ReportableSegments2Member5321802026-03-31in-capmkt:ReportableSegments2Member5321802026-01-012026-03-31in-capmkt:ReportableSegments3Member5321802026-03-31in-capmkt:ReportableSegments3Member5321802026-01-012026-03-31in-capmkt:ReportableSegments4Member5321802026-03-31in-capmkt:ReportableSegments4Member5321802026-01-012026-03-31RelatedPartyTransactionDomain15321802025-12-31RelatedPartyTransactionDomain15321802026-03-31RelatedPartyTransactionDomain15321802026-01-012026-03-31RelatedPartyTransactionDomain25321802025-12-31RelatedPartyTransactionDomain25321802026-03-31RelatedPartyTransactionDomain25321802026-01-012026-03-31AuditorDomain15321802026-01-012026-03-31AuditorDomain2iso4217:INRxbrli:pureiso4217:INRxbrli:shares532180DHANBANKNOTLISTEDINE680A01011DHANLAXMI BANK LIMITEDEquity2025-04-012026-03-312026-04-282026-04-13INRLakhsQuarterlyFourth quarterMulti segment2026-04-2812:30:002026-04-2814:05:00trueCash Flow IndirectDeclaration of unmodified opiniontruetrueYesYesfalsetrue2026-03-24https://www.dhanbank.com/bank-policies/falsefalseIt is a banking company and there is no unlisted debt securities2026-01-012026-03-31AuditedStandalone365370000068110000029000000667000004430500000692900000512340000025600000007104000007163000001426700000398670000011367000003471000000789600000354700000434900000043490000043490000039470000001000.16110.02811.11.11.11.128638000007540000000.01890.00510.00843. 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. <BR> <BR> 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. <BR> <BR> 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. <BR> <BR> 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. <BR> <BR> 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. <BR> <BR> 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. <BR> <BR> 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. <BR> <BR> 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 :- <BR> <BR> Details of non- performing assets transferred: - (Rs. in Lakhs) <BR> Particulars To Asset Reconstruction Companies (ARCs) To permitted transferees To other transferees <BR> No: of accounts 1 - - <BR> Aggregate principal outstanding of loans transferred 4425 - - <BR> Weighted average residual tenor of the loans transferred - - - <BR> Net book value of loans transferred (at the time of transfer) 0 - - <BR> Aggregate consideration* 350 - - <BR> Additional consideration realized in respect of accounts transferred in earlier years - - - <BR> The Bank has not transferred any SMA loan (Special Mention Account) <BR> The bank has not acquired any loan. <BR> <BR> 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. <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, 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 <BR> Personal Loans 1083 19 - 127 917 <BR> Corporate Persons 561 - - 96 498 <BR> Of which, MSMEs 561 - - 96 498 <BR> Others 182 - - 24 117 <BR> Total under RFCS 1826 19 - 247 1532 <BR> *Excludes other facilities to the borrowers which have not been restructured but considered as a part of residual debt. <BR> <BR> 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; <BR> <BR> Sl. No Item Description Number of accounts Total outstanding (in lakhs) <BR> 1 Projects under implementation accounts at the beginning of the quarter. 84 26579 <BR> 2 Projects under implementation accounts sanctioned during the quarter. 1 497 <BR> 3 Projects under implementation accounts where DCCO has been achieved during the quarter 7 3632 <BR> 4 Projects under implementation accounts at the end of the quarter. (1+2-3) 78 23444 <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. 6 1351 <BR> 5.1 Out of ‘5’ – accounts in respect of which Resolution plan has been implemented. 6 13.51 <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 presanction 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> 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. <BR> <BR> 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. <BR> <BR> 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. <BR> <BR> 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. <BR> <BR> 17. Provision coverage ratio (Including Technical Write off) as on 31st March 2026 is 92.46 %. <BR> <BR> 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. <BR> <BR> 19. 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> <BR> <BR> 2025-04-012026-03-31AuditedStandalone13053500000276160000085700000114000000160148000001923900000179387000009791500000326970000027147000005984400000157759000002162800000780600000013822000003547000001027500000010275000001027500000394700000010914430000000.16110.02812.62.62.62.628638000007540000000.01890.00510.0053Other operating expenses716300000Other operating expenses2714700000394700000010792200000186428800000736630000038423000002123766000009479600000123840000042574400000149180600000290040000070032000002123766000003. 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. <BR> <BR> 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. <BR> <BR> 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. <BR> <BR> 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. <BR> <BR> 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. <BR> <BR> 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. <BR> <BR> 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. <BR> <BR> 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 :- <BR> <BR> Details of non- performing assets transferred: - (Rs. in Lakhs) <BR> Particulars To Asset Reconstruction Companies (ARCs) To permitted transferees To other transferees <BR> No: of accounts 1 - - <BR> Aggregate principal outstanding of loans transferred 4425 - - <BR> Weighted average residual tenor of the loans transferred - - - <BR> Net book value of loans transferred (at the time of transfer) 0 - - <BR> Aggregate consideration* 350 - - <BR> Additional consideration realized in respect of accounts transferred in earlier years - - - <BR> The Bank has not transferred any SMA loan (Special Mention Account) <BR> The bank has not acquired any loan. <BR> <BR> 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. <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, 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 <BR> Personal Loans 1083 19 - 127 917 <BR> Corporate Persons 561 - - 96 498 <BR> Of which, MSMEs 561 - - 96 498 <BR> Others 182 - - 24 117 <BR> Total under RFCS 1826 19 - 247 1532 <BR> *Excludes other facilities to the borrowers which have not been restructured but considered as a part of residual debt. <BR> <BR> 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; <BR> <BR> Sl. No Item Description Number of accounts Total outstanding (in lakhs) <BR> 1 Projects under implementation accounts at the beginning of the quarter. 84 26579 <BR> 2 Projects under implementation accounts sanctioned during the quarter. 1 497 <BR> 3 Projects under implementation accounts where DCCO has been achieved during the quarter 7 3632 <BR> 4 Projects under implementation accounts at the end of the quarter. (1+2-3) 78 23444 <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. 6 1351 <BR> 5.1 Out of ‘5’ – accounts in respect of which Resolution plan has been implemented. 6 13.51 <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 presanction 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> 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. <BR> <BR> 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. <BR> <BR> 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. <BR> <BR> 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. <BR> <BR> 17. Provision coverage ratio (Including Technical Write off) as on 31st March 2026 is 92.46 %. <BR> <BR> 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. <BR> <BR> 19. The figures for the previous period have been re-grouped/re-arranged wherever necessary to conform to the current period’s classification. <BR> Other Liabilities and Provisions3842300000Other Assets7003200000(a) Treasury690400000(b) Retail Banking3407700000(c) Corporate/ Wholesale Banking931800000(d) Other Banking Operations93500000(a) Treasury2943200000(b) Retail Banking11009300000(c) Corporate/ Wholesale Banking3781700000(d) Other Banking Operations204500000512340000017938700000512340000017938700000(a) Treasury217000000(b) Retail Banking369400000(c) Corporate/ Wholesale Banking109700000(d) Other Banking Operations93500000(a) Treasury622100000(b) Retail Banking643100000(c) Corporate/ Wholesale Banking-87500000(d) Other Banking Operations20450000078960000013822000007896000001382200000(a) Treasury46982200000(b) Retail Banking119902000000(c) Corporate/ Wholesale Banking44753300000(d) Other Banking Operations0211637500000739000000212376500000(a) Treasury42575200000(b) Retail Banking112916400000(c) Corporate/ Wholesale Banking42145900000(d) Other Banking Operations01976375000000197637500000 <BR> 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. <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 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. <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> 138220000002997000000000-13000008418000000011402000000-30262600000346010000026294300000432290000003814700000495490000063371000000002220000006314900000006314900000000758290000000002320000033540000000000000000-789510000000-78951000000015000000000000001500000000001500000000-802000000-802000001079820000010718000000DHANLAXMI BANK LIMITED******AJITH KUMAR K K******MANAGING DIRECTOR & CEORemuneration414699000000As approved by Regulators and Shareholders4146990000002026-04-2841469900000000DHANLAXMI BANK LIMITED******P SURIARAJ******EXECUTIVE DIRECTORInterest received229900000000As approved by Regulators and Shareholders2299000000002026-04-2822990000000000644599000000AuditedtrueAbraham & Josetrue2027-02-28Sagar & Associatestrue2028-11-30