Q2 FY2027 results: Profit After Tax at INR 236 Cr, up 29%; Gross NPA at 2.29%
DCB Bank's board approved unaudited Q2 FY 2027 results.
By ScoutQuest · · 1 min read
- Profit After Tax
- INR 236 Cr vs INR 184 Cr a year ago, up 29%
- Advances and Deposits Growth (YoY)
- Advances up 21%, deposits up 19% year-on-year
- Asset Quality / Capital Adequacy
- Gross NPA 2.29%, Net NPA 0.73% as on September 30, 2026; Capital Adequacy Ratio 16.63% under Basel III
Results at a glance
The Board of Directors approved the unaudited financial results for the quarter and half year ended September 30, 2026, along with limited review reports from the statutory auditors. For Q2 FY 2027, Profit After Tax (PAT) was INR 236 Cr, compared with INR 184 Cr in Q2 FY 2026, a growth of 29%.
Growth in the core business
- Advances growth year-on-year was 21%
- Deposits growth year-on-year was 19%
Asset quality
- Gross NPA as on September 30, 2026 was 2.29%
- Net NPA as on September 30, 2026 was 0.73%
Capital cushion
- Capital Adequacy Ratio as on September 30, 2026 was 16.63%, as per Basel III norms
What the management said
Managing Director & CEO Mr. Praveen Kutty said the bank saw robust growth in both deposits and advances and steadily increasing operating profit, with Gross NPA and Net NPA at multi-year lows.
How a retail reader can read this
A bank's basic scorecard is profit, loan growth, deposit growth and bad loans.
- Profit After Tax is what the bank earned after all expenses and provisions.
- Advances are the loans it has given; deposits are the money customers keep with it. Growth in both shows the core business expanding.
- Gross NPA is the share of loans where repayment has slipped; Net NPA is what remains after the bank sets aside money for them. Both ratios are lower than the same period last year, per the update's comparison table.
- Capital Adequacy Ratio shows the capital buffer a bank holds against its loans.
The press release also carries a safe harbour note that some statements are forward looking, based on currently available information, and actual outcomes may differ.
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
- Profit After Tax, Q2 FY 2027INR 236 Cr
- Profit After Tax, Q2 FY 2026INR 184 Cr
- PAT growth year-on-year29%
- Advances growth year-on-year21%
- Deposits growth year-on-year19%
- Gross NPA as on Sep 30, 20262.29%
- Net NPA as on Sep 30, 20260.73%
- Capital Adequacy Ratio as on Sep 30, 202616.63%
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.