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Dhanlaxmi Bank Limited DHANBANK NSEFINANCIAL

Financial Services · Banks - Regional · India
https://www.dhan.bank.in

Dhanlaxmi Bank Limited provides various banking and financial services in India. The company operates through Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Business Operations segments. It offers deposit products, such as savings and current accounts, and term deposits; loans, including personal, home, new and used car, two wheeler, commercial, gold, education, business, and green loans, as well as loans against securities and properties, and lease rental discounting; and foreign exchange services comprising foreign currency cash, cheque deposits, foreign currency demand drafts, and remittances. The company also provides export and import services; credit products comprising industrial and trade advance, import export assistance, and agricultural assistance; corporate salary; credit treasury bills and linked loans; trade finance, electronic bank guarantees, and liberalized remittance schemes; 3 in 1 trading accounts; and mutual funds investment services, as well as life, health, and car insurance products. In addition, it offers non-resident Indians (NRI) banking services, such as non-residential external accounts, non-resident ordinary accounts, recurring and term deposits, foreign currency non-resident fixed deposits, and resident foreign currency, as well as money transfer services and NRI property loans; and micro and agricultural banking, and financial planning services. Further, the company provides SME banking services, including working capital facilities, trade facilities, and capacity expansion services; credit, debit, and gift cards; retail and corporate net, mobile phone, and SMS banking; online services, such as bill payment, unified payments interface, prepaid mobile/DTH/data card recharges, missed call, shopping, positive pay, online trading, and custom duty online payments; and depository services, as well as safe deposit lockers. Dhanlaxmi Bank Limited was incorporated in 1927 and is based in Thrissur, India.

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₹32.88
+8.91% 1Y

Market & Price

Market Cap
₹1,297.77 Cr
Current Price
₹32.88
High / Low (52W)
₹34.42 / ₹19.64
Beta
0.58

Valuation

Stock P/E
12.65
Industry PE
19.12
Forward P/E
-
PEG Ratio
-
Book Value
₹37.28
Price to Book
0.88
P/S
1.76
EV/EBITDA
-
Dividend Yield
-

Profitability & Returns

ROCE
-
ROE
7.16%
ROA
0.53%
Profit Margin
13.95%
Op Margin
35.63%
EPS (Latest Qtr)
₹1.10
EPS (TTM)
₹2.60

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
₹736.63 Cr
Total Assets
₹21,237.66 Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
44.40%
Chg in Prom Hold
-
FII / Inst Holding
6.02%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
₹964.79 Cr
Total Revenue (TTM)
₹736.66 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹-1,997.94 Cr
Shares Outstanding
₹39.47 Cr
Gross Margin
0.00%
Payout Ratio
0.00%

Growth (CAGR)

Revenue 5Y
14.03%
Profit 5Y
27.68%
Revenue (YoY)
33.70%
Earnings (YoY)
29.80%

PROS

  • Compounding revenue at 14.0% over 5 years.
  • Profit CAGR of 27.7% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 DHANBANK Dhanlaxmi Bank Limited NSEFINANCIAL 32.88 12.65 ₹1,297.77 Cr - - 7.16% 14.03% 27.68%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 744.55 16.61 ₹11.46 L Cr 1.75% - 13.82% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,256.40 16.81 ₹9.01 L Cr 0.88% - 16.36% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 964.40 10.58 ₹8.90 L Cr 1.80% - 15.48% 12.19% 14.39%
5 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 384.20 19.80 ₹3.82 L Cr 0.13% - 11.39% 14.58% 8.92%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 411.35 9.06 ₹2.60 L Cr 2.43% - 42.36% 7.61% 16.86%
7 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 947.15 17.79 ₹2.23 L Cr 1.46% - 16.38% 15.48% 18.59%
8 SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL 1,830.10 74.06 ₹1.84 L Cr 0.15% - 13.70% 11.67% 12.81%
9 ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL 3,538.50 53.19 ₹1.75 L Cr 0.70% 98.30% 85.80% 28.94% 29.58%
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Quarterly Results

Figures in INR.

Metric Sep 2024Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026
Revenue -170.54 Cr177.32 Cr178.40 Cr203.47 Cr256.34 Cr
Cost of Revenue ------
Gross Profit ------
Operating Expenses -143.96 Cr138.64 Cr145.12 Cr162.33 Cr142.67 Cr
Operating Income ------
EBITDA ------
Interest Expense -206.25 Cr216.39 Cr228.66 Cr252.84 Cr256.00 Cr
Pretax Income -19.88 Cr27.18 Cr12.18 Cr23.88 Cr78.96 Cr
Tax Provision -3.00 L-1.80 Cr0035.47 Cr
Net Income -19.85 Cr28.98 Cr12.18 Cr23.88 Cr43.49 Cr
Diluted EPS -0.760.850.310.611.10

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -549.50 Cr580.58 Cr652.49 Cr814.72 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses -427.76 Cr541.47 Cr557.39 Cr598.44 Cr
Operating Income -----
EBITDA -----
Interest Expense -595.48 Cr748.54 Cr836.59 Cr979.15 Cr
Pretax Income -31.61 Cr70.47 Cr71.62 Cr138.22 Cr
Tax Provision --17.75 Cr12.66 Cr4.98 Cr35.47 Cr
Net Income -49.36 Cr57.82 Cr66.64 Cr102.75 Cr
Diluted EPS -1.582.212.372.60

Compounded Sales Growth

5 Years:14.03%
1 Year:33.70%

Compounded Profit Growth

5 Years:27.68%
1 Year:29.80%

Stock Price Performance

1 Year:+8.91%
6 Months:+21.60%
3 Months:+38.50%
1 Month:+8.12%

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -15,132.13 Cr15,961.89 Cr17,936.94 Cr21,237.66 Cr
Current Assets -----
Cash & Equivalents -1,101.99 Cr1,211.53 Cr1,257.69 Cr1,071.80 Cr
Inventory -----
Receivables 191.23 Cr225.70 Cr303.68 Cr330.69 Cr-
Total Liabilities -14,170.98 Cr14,932.13 Cr16,541.65 Cr19,763.74 Cr
Current Liabilities -----
Long Term Debt -----
Total Debt -492.38 Cr299.04 Cr200.00 Cr736.63 Cr
Total Equity -961.15 Cr1,029.76 Cr1,395.29 Cr1,473.92 Cr
Shares Outstanding -31.20 Cr31.20 Cr39.47 Cr39.47 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -216.40 Cr17.29 Cr-4.79 Cr631.49 Cr
Investing Cash Flow --105.61 Cr110.71 Cr-32.31 Cr-789.51 Cr
Financing Cash Flow -00142.29 Cr150.00 Cr
Capital Expenditure --35.19 Cr-41.91 Cr-32.62 Cr-33.54 Cr
Free Cash Flow -181.20 Cr-24.61 Cr-37.41 Cr597.95 Cr
Net Change in Cash -110.79 Cr128.00 Cr105.19 Cr-8.02 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -----
Operating Margin % -----
Net Margin % -9.0%10.0%10.2%12.6%
ROE % -5.1%5.6%4.8%7.0%
ROCE % -----

Shareholding Pattern

Insiders
44.40%
Institutions
6.02%
Public Float
10.83%

Analyst View

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