DCB Bank Q2FY27 investor presentation: advances up 21.1% to INR 64,127 crore, ROA 1.03%, ROE 14.60%
Advances up 21.1% YoY to INR 64,127 crore; deposits INR 76,839 crore; Q2FY27 ROA 1.03%, ROE 14.60%, NIM 3.25%.
By ScoutQuest · · 1 min read
- Advances
- INR 64,127 crore at 30-Sep-26, up 21.1% YoY and 7.0% QoQ
- Deposits / Balance Sheet
- Deposits INR 76,839 crore; balance sheet INR 92,648 crore
- Q2FY27 Ratios
- NIM 3.25%, ROA 1.03%, ROE 14.60%; GNPA 2.29%, NNPA 0.73%, credit cost 0.28%
- Period
- Q2FY27 (quarter ended 30-Sep-26)
- Positioning
- A new generation private sector bank with PAN India presence serving the self-employed segment through granular secured small ticket lending in mortgages, MSME/SME, agri and gold loans.
💰 Advances reached INR 64,127 crore at 30-Sep-26, up 21.1% YoY and 7.0% QoQ, with gold loans up 142.3% YoY; deposits stood at INR 76,839 crore and the balance sheet at INR 92,648 crore. Q2FY27 NIM was 3.25%, ROA 1.03% and ROE 14.60%.
📈 Asset quality: gross NPA 2.29%, net NPA 0.73%, provision coverage 81.38% and credit cost 0.28% for Q2FY27. Cost to income was 59.64%. CASA share has drifted lower, with CA at 14.8% of CASA at Sep-26.
📌 The company describes itself as a national bank for the self-employed, focusing on mortgages, MSME/SME, educational institution, agri and gold loans, while limiting corporate, unsecured and lumpy exposures.
🔬 Management states it aims to double the balance sheet every three to four years, targets ROE of 13.5% for FY26-27 and 14.5% for FY27-28, ROA of 1% or above near term, and cost to income of 60% or below; the presentation lists 13 digital launches supporting distribution.
Also from DCB Bank
DCB Bank makes audio recording of October 23, 2026 earnings call on Q2/H1 FY2027 results available
23 Oct 2026
Head of Corporate Banking resigns; Board approves three senior management changes
23 Oct 2026
Board approves re-appointment of Thiyagarajan Kumar as Non-Executive (Independent) Director
23 Oct 2026
More numbers
- Total advances, 30-Sep-26INR 64,127 crores
- Advances growth YoY, 30-Sep-2621.1%
- Balance sheet size, 30-Sep-26INR 92,648 crores
- Deposits, Sep-2676,839 (INR crores)
- Net interest margin, Q2FY273.25%
- Return on assets, Q2FY271.03%
- Return on equity, Q2FY2714.60%
- Gross NPA, Q2FY272.29%
- Net NPA, Q2FY270.73%
- Provision coverage ratio, Q2FY2781.38%
- Cost to income, Q2FY2759.64 %
- Gold loans growth YoY, 30-Sep-26142.3%
- Shareholders equity, Sep-266,941 (INR crores)
- Labour Codes impact absorbed, FY26₹ 26.87 Cr
Nothing here is a view, opinion or recommendation of ScoutQuest, its parent, directors or employees. ScoutQuest is a technology company: this page was assembled automatically from public sources using artificial intelligence, and may contain errors or omissions. Confirm everything against the original source before you act on it. Any use of this page is at your own risk, and neither ScoutQuest nor its parent, directors or employees accepts liability for it.