Unaudited financial results for the quarter ended June 30,2026
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 29 Jul 2026, 01:12 PM IST · BSE ID: 89724851-5b09-4968-a7f8-1d9c1bebbff2
View Original BSE Filing (PDF)
💡
In Simple Terms
Dhanlaxmi Bank's quarterly profit doubled, and the percentage of bad loans decreased significantly compared to last year.
🤖 AI Summary
- Dhanlaxmi Bank's Net Profit for Q1 FY27 reached Rs. 2,491 Lakhs, a 104.52% increase year-over-year.
- Interest earned for the quarter ended June 30, 2026, was Rs. 44,936 Lakhs, up 22.19% from Q1 FY26.
- Gross Non-Performing Assets (NPAs) to Gross Advances improved to 1.82% from 3.22% in Q1 FY26.
- Capital Adequacy Ratio as per Basel III stood at 19.19% for the quarter ended June 30, 2026.
- Total Income for the quarter increased to Rs. 48,425 Lakhs, compared to Rs. 40,706 Lakhs in Q1 FY26.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Net Profit (+)/Loss (-) for the period
2,491 Lakhs
104.52%
Interest earned
44,936 Lakhs
22.19%
% of Gross NPAs to Gross Advances
1.82%
Capital Adequacy Ratio as per Basel III
19.19%
Total Income
48,425 Lakhs
18.97%
Operating Profit(+)/Loss(-) before provisions and contingencies
5,145 Lakhs
54.58%
Deposits
19,40,405 Lakhs
17.11%
Advances
15,57,166 Lakhs
27.45%
🏢 How This Affects the Company
The bank's business segments like Retail Banking and Corporate/Wholesale Banking reported positive segment results, indicating growth in core operations. Retail Banking segment revenue increased to Rs. 29,670 Lakhs from Rs. 23,058 Lakhs year-over-year.
Net Profit increased by 104.52% to Rs. 2,491 Lakhs. Gross NPAs as a percentage of gross advances reduced to 1.82%, contributing to improved asset quality metrics and lower provisions.
The transfer of Investment Fluctuation Reserve (IFR) of Rs. 3068 Lakhs to the accumulated Profit & Loss Account aligns with new RBI directions.
The decrease in Gross NPAs from 3.22% to 1.82% indicates a reduction in credit risk exposure and improved asset quality. The Capital Adequacy Ratio of 19.19% indicates strong capital buffers.
👥 What This Means For Shareholders
✅
Action Required
No action is required by shareholders based on this financial results filing.
👤
Who Is Affected
All shareholders are affected by the improved financial performance, with Net Profit rising to Rs. 2,491 Lakhs and Earnings Per Share (Basic) at Rs. 0.63 for Q1 FY27.
🔍
Management Signal
The financial results indicate management's focus on improving profitability and asset quality, demonstrated by reduced NPAs and increased net profit.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q2 FY27 unaudited financial results — check for sustained profit and NPA trends
Updates on deposit and advance growth rates for the next quarter
Further developments regarding regulatory changes impacting banking operations
LOW RISK
Improved asset quality and strong capital adequacy reduce immediate financial risks.
💡 Investor Takeaway
Dhanlaxmi Bank reported unaudited net profit of Rs. 2,491 Lakhs for Q1 FY27, a 104.52% year-over-year increase. Interest earned grew 22.19% to Rs. 44,936 Lakhs, and Gross NPAs to Gross Advances reduced to 1.82% from 3.22%.
⚖️ Strengths & Concerns
✅ Positives
- Net Profit significantly increased by 104.52% to Rs. 2,491 Lakhs in Q1 FY27 compared to Rs. 1,218 Lakhs in Q1 FY26.
- Gross NPA percentage improved to 1.82% as of June 30, 2026, a notable reduction from 3.22% as of June 30, 2025.
⚠️ Concerns
- Other income decreased to Rs. 3,489 Lakhs in Q1 FY27 from Rs. 3,930 Lakhs in Q1 FY26, a 11.22% decline.
- Treasury segment results decreased to Rs. 890 Lakhs in Q1 FY27 from Rs. 1,720 Lakhs in Q1 FY26, a 48.26% reduction.
📅 Company Track Record
Dhanlaxmi Bank reported audited Interest earned growth of 21.30% to Rs. 1,60,148 Lakhs for FY26. The bank filed an unmodified audit opinion by joint auditors for FY26, consistent with the limited review for Q1 FY27.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was Dhanlaxmi Bank's net profit in Q1 FY27?
Dhanlaxmi Bank's net profit for the quarter ended June 30, 2026 (Q1 FY27), was Rs. 2,491 Lakhs, a 104.52% increase from Rs. 1,218 Lakhs in Q1 FY26.
How did Dhanlaxmi Bank's interest earned perform in Q1 FY27?
Interest earned by Dhanlaxmi Bank in Q1 FY27 was Rs. 44,936 Lakhs, growing by 22.19% compared to Rs. 36,776 Lakhs in Q1 FY26.
What is Dhanlaxmi Bank's Gross NPA percentage as of June 30, 2026?
Dhanlaxmi Bank's Gross NPAs to Gross Advances percentage stood at 1.82% as of June 30, 2026, down from 3.22% as of June 30, 2025.
What is Dhanlaxmi Bank's Capital Adequacy Ratio for Q1 FY27?
The Capital Adequacy Ratio for Dhanlaxmi Bank as per Basel III was 19.19% for the quarter ended June 30, 2026.
What was the total income for Dhanlaxmi Bank in Q1 FY27?
Dhanlaxmi Bank reported a Total Income of Rs. 48,425 Lakhs for the quarter ended June 30, 2026, an increase from Rs. 40,706 Lakhs in the comparable prior period.
Questions based on this BSE filing only. For information purposes.