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Dhanlaxmi Bank Q3 Net Profit Rises 20% YoY to ₹23.88 Cr; Gross NPA Drops to 2.36%
Dhanlaxmi Bank reported a strong performance for the quarter ended December 31, 2025, with net profit growing 20.3% YoY to ₹23.88 crore. Total income increased by 21.1% to ₹456.31 crore, supported by robust growth in interest income. Asset quality improved significantly with Gross NPA declining to 2.36% from 3.53% a year ago. The bank also significantly strengthened its capital position, with the Capital Adequacy Ratio rising to 17.19% from 12.79% YoY.
Key Highlights
Net Profit increased by 20.3% YoY to ₹23.88 crore for Q3 FY2026.
Gross NPA improved significantly to 2.36% from 3.53% YoY and 3.10% QoQ.
Total Advances grew by 25.7% YoY to ₹13,912 crore, while Deposits rose by 18.4% to ₹17,839 crore.
Capital Adequacy Ratio (Basel III) strengthened to 17.19% compared to 12.79% in the previous year.
Operating Profit surged by 54.8% YoY to ₹41.14 crore due to higher interest income and controlled costs.
💼 Action for Investors
The bank shows strong signs of a turnaround with improving asset quality and a robust capital buffer. Investors should monitor the sustainability of credit growth and the slight uptick in Net NPA compared to the previous year.
Dhanlaxmi Bank Q3 FY26 Update: Total Business Up 20.76% YoY, Gold Loans Surge 50.89%
Dhanlaxmi Bank reported a strong 20.76% YoY growth in total business, reaching ₹31,933 crore for the quarter ended December 31, 2025. Gross advances grew significantly by 23.90% YoY to ₹14,094 crore, driven largely by a massive 50.89% surge in gold loans. While total deposits increased by 18.39% to ₹17,839 crore, CASA growth was relatively slower at 9.04% YoY. The MSME segment also showed robust growth of 27.72%, reaching ₹2,064 crore.
Key Highlights
Total business grew 20.76% YoY to ₹31,933 crore as of December 31, 2025.
Gross advances saw a robust increase of 23.90% YoY, reaching ₹14,094 crore.
Gold loan portfolio surged by 50.89% YoY to ₹5,361 crore, indicating a strong focus on secured retail lending.
Total deposits rose 18.39% YoY to ₹17,839 crore, though CASA growth lagged at 9.04% YoY.
MSME segment recorded a healthy growth of 27.72% YoY, totaling ₹2,064 crore.
💼 Action for Investors
Investors should view the strong credit growth and gold loan expansion positively, but monitor the slower CASA growth which could impact the cost of funds. Watch for the full earnings release to evaluate the impact on net interest margins and asset quality.