5321802026-07-012026-09-305321802026-09-305321802026-03-315321802026-04-012026-09-305321802026-07-012026-09-30in-capmkt:OtherOperatingExpenses1Member5321802026-04-012026-09-30in-capmkt:OtherOperatingExpenses1Member5321802026-09-30OtherLiabilitiesAndProvisionsDomain15321802026-09-30OtherAssetsDomain15321802026-07-012026-09-30in-capmkt:ReportableSegments1Member5321802026-07-012026-09-30in-capmkt:ReportableSegments2Member5321802026-07-012026-09-30in-capmkt:ReportableSegments3Member5321802026-07-012026-09-30in-capmkt:ReportableSegments4Member5321802026-04-012026-09-30in-capmkt:ReportableSegments1Member5321802026-04-012026-09-30in-capmkt:ReportableSegments2Member5321802026-04-012026-09-30in-capmkt:ReportableSegments3Member5321802026-04-012026-09-30in-capmkt:ReportableSegments4Member5321802026-07-012026-09-30in-capmkt:ReportableSegments1Member5321802026-07-012026-09-30in-capmkt:ReportableSegments2Member5321802026-07-012026-09-30in-capmkt:ReportableSegments3Member5321802026-07-012026-09-30in-capmkt:ReportableSegments4Member5321802026-04-012026-09-30in-capmkt:ReportableSegments1Member5321802026-04-012026-09-30in-capmkt:ReportableSegments2Member5321802026-04-012026-09-30in-capmkt:ReportableSegments3Member5321802026-04-012026-09-30in-capmkt:ReportableSegments4Member5321802026-07-012026-09-30in-capmkt:ReportableSegments1Member5321802026-09-30in-capmkt:ReportableSegments1Member5321802026-07-012026-09-30in-capmkt:ReportableSegments2Member5321802026-09-30in-capmkt:ReportableSegments2Member5321802026-07-012026-09-30in-capmkt:ReportableSegments3Member5321802026-09-30in-capmkt:ReportableSegments3Member5321802026-07-012026-09-30in-capmkt:ReportableSegments4Member5321802026-09-30in-capmkt:ReportableSegments4Member5321802026-07-012026-09-30in-capmkt:ReportableSegments1Member5321802026-09-30in-capmkt:ReportableSegments1Member5321802026-07-012026-09-30in-capmkt:ReportableSegments2Member5321802026-09-30in-capmkt:ReportableSegments2Member5321802026-07-012026-09-30in-capmkt:ReportableSegments3Member5321802026-09-30in-capmkt:ReportableSegments3Member5321802026-07-012026-09-30in-capmkt:ReportableSegments4Member5321802026-09-30in-capmkt:ReportableSegments4Memberiso4217:INRxbrli:pureiso4217:INRxbrli:shares532180DHANBANKNOTLISTEDINE680A01011DHANLAXMI BANK LIMITEDEquity2026-04-012027-03-312026-10-262026-10-13INRLakhsQuarterlySecond quarterMulti segment2026-10-2612:00:002026-10-2613:45:00trueCash Flow IndirectNot applicablefalsefalseYesYesfalsetrue2026-03-24https://www.dhan.bank.in/pdf/Policy-Materiality-Related-Party-Transactions-Dealing-Related-Party-Transactions-8.0.pdffalsefalseIts a bankiung company and there is no unlisted debt securities2026-07-012026-09-30UnauditedStandalone3893400000752100000491000001690000047115000004745000005186000000283400000093930000071450000016538000004487800000698200000569000000641300000155800000485500000048550000048550000039470000001000.18860.16461.231.231.231.2328128000007116000000.01760.00450.00851 The only Related Party Transaction which the Bank entered into is the remuneration for Managing Director and Executive Director. As per Reg 23(9) of SEBI LODR Regulations, 2015, the remuneration and sitting fees paid by the bank to its director, key managerial personnel or senior management, except who is part of promoter or promoter group under Related Party Transactions is not required to be disclosed as the same is not material. Therefore, we have eneterd "No" in field 31 in General Information. <br /> 2 The above unaudited financial results for the quarter and half year ended September 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 October 26, 2026. These Results have been subjected to "Limited Review” by the Joint Statutory Central Auditors of the Bank, M/s Abraham & Jose, Chartered Accountants and M/s G.Natesan & Co , Chartered Accountants and and an unmodified report has been issued by them. <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 ("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. <br /> 4 The Bank has followed the same significant accounting policies in the preparation of quarterly and half yearly financial results as those followed in the annual financial statements for the year ended 31st March 2026, except for the accounting treatment of Investment Fluctuation Reserve (IFR). 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 IFR. Consequently, the balance of Rs 3068 lakhs in the IFR had been transferred to accumulated balance in Profit & Loss Account during the quarter ended 30th June 2026. <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, provision for income tax and other usual and necessary provisions. <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 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 half year ended September 30, 2026, the Bank has considered net profit for the period as part of the regulatory capital as per extant RBI guidelines. <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 Statutory Central Auditors of the Bank. <br /> 9 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 half year ended September 30, 2026 and co-lending arrangements, are given below: <br /> i) Bank has not transferred any loans not in default or stressed loans (Non-Performing Assets and Special Mention Accounts) during the half year ended September 30, 2026. <br /> ii) Bank has not acquired any loans not in default or stressed loans (Non-Performing Assets and Special Mention Accounts) during the half year ended September 30, 2026. <br /> iii) The Bank neither has any outstanding Co-Lending Arrangements (CLA) or has entered into any CLA during the half year ended September 30, 2025 as per Reserve Bank of India (Commercial Banks – Transfer and Distribution of Credit Risk) Directions, 2025. <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) are given below <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 previous half year 31.03.2026* 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 Exposure to accounts classified as Standard consequent to implementation of resolution plan – Position as at the end of year 30.09.2026* <br /> Personal Loans 933 5 - 147 783 <br /> Corporate Persons <br /> (all are MSME loans) 513 - - 474 31 <br /> Others 117 - - 8 92 <br /> Total under RFCS 1,563 5 - 629 906 <br /> * Excluding other facilities to the borrower which have not been restructured. <br /> 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 September 30, 2026 is given below; <br /> Sl. No Item Description Number of accounts Total outstanding (in Rs. lakh) <br /> 1 Projects under implementation accounts at the beginning of the quarter. 25 11,041 <br /> 2 Projects under implementation accounts sanctioned during the quarter. 8 4,040 <br /> 3 Projects under implementation accounts where DCCO has been achieved during the quarter 1 - <br /> 4 Projects under implementation accounts at the end of the quarter (1+2-3) 32 15,081 <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. 12 4,174 <br /> 5.1 Out of ‘5’ – accounts in respect of which Resolution plan has been implemented. 12 4,174 <br /> 5.2 Out of ‘5’ – accounts in respect of which Resolution plan is under implementation. - - <br /> 5.3 Out of ‘5’ – accounts in respect of which Resolution plan has failed. - - <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. - - <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 - - <br /> 7.1 Out of ‘7’, accounts where SBCF was sanctioned during financial closure and renewed continuously - - <br /> 7.2 Out of ‘7’, accounts where SBCF was not pre sanctioned or renewed continuously - - <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. - - <br /> 8.1 Out of ‘8’ – accounts in respect of which Resolution plan has been implemented. - - <br /> 8.2 Out of ‘8’ – accounts in respect of which Resolution plan is under implementation. - - <br /> 8.3 Out of ‘8’ – accounts in respect of which Resolution plan has failed. - - <br /> 12 Disclosure related to Miscellaneous Income under the head “Other Income” which exceeds 1 % of the total income as per RBI (Commercial Banks-Financial Statements: Presentation and Disclosures) Directions, 2025, for the half year ended 30.09.2026 : - <br /> 1) Recovery from Technically Written off Accounts: -Rs. 1609 lakhs, which is 1.60% of total income and <br /> 2) Processing Charges: -Rs.1594 lakhs, which is 1.59% of total income <br /> 13 Net book value of the security receipts ('SRs') held by the Bank is Nil as on September 30, 2026 and hence rating wise distribution has not been disclosed. <br /> 14 Provision coverage ratio (including Technical Write off) as on 30th September 2026 is 92.86 %. <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 /> 2026-04-012026-09-30UnauditedStandalone7621700000147670000079100000276000009205100000823400000100285000005551400000186910000013953000003264400000881580000012127000002160000000996700000262100000734600000073460000073460000039470000001000.18860.16461.861.861.861.8628128000007116000000.01760.00450.0066Other Operating expenses714500000Other Operating expenses139530000039470000001148630000020551480000030113000003827600000227787000000941400000015427000004856570000015738280000037030000007178800000227787000000Other liabilities and provisions3827600000Other Assets7178800000Treasury807500000Retail Banking2922100000Corporate/Wholesale Banking1418500000Other Banking Operations37900000Treasury1565000000Retail Banking5889100000Corporate/Wholesale Banking2505600000Other Banking Operations68800000518600000010028500000518600000010028500000Treasury82400000Retail Banking419200000Corporate/Wholesale Banking101800000Other Banking Operations37900000Treasury171400000Retail Banking637200000Corporate/Wholesale Banking119300000Other Banking Operations688000006413000009967000000000641300000996700000Treasury52586300000Retail Banking119982400000Corporate/Wholesale Banking54517700000Other Banking Operations0227086400000700600000227787000000Treasury48697500000Retail Banking112526400000Corporate/Wholesale Banking51129800000Other Banking Operations02123537000000212353700000For 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 30th September 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 /> 99670000001650000000000-200000201400000003662000000-8360500000-511390000019086000000-44271000000118450000015507000002547400000000219000000023284000000023284000000001122200000000030000096780000000000000000-208970000000-2089700000000000000000023870000002387000001071800000010956700000