WEBSITE BSE:532180 NSE: DHANALAK.BNK Inc. Year: 1927 Industry: Bank - Private
Last updated: 15:52
Dhanlaxmi Bank Ltd affords numerous banking and monetary offerings in India. It operates through Corporate/Wholesale Banking, Retail Banking, Treasury Operations, and Other Banking Business Operations segments. The business enterprise gives deposit products, which include savings and current accounts, and term deposits; loans, inclusive of property, vehicle, commercial, non-public, education, and enterprise loans, in addition to loans in opposition to securities; and forex services comprising foreign currency cash, cheque deposits, foreign curr...Read More
Dhanlaxmi Bank Ltd affords numerous banking and monetary offerings in India. It operates through Corporate/Wholesale Banking, Retail Banking, Treasury Operations, and Other Banking Business Operations segments. The business enterprise gives deposit products, which include savings and current accounts, and term deposits; loans, inclusive of property, vehicle, commercial, non-public, education, and enterprise loans, in addition to loans in opposition to securities; and forex services comprising foreign currency cash, cheque deposits, foreign currency demand drafts, and remittances. It additionally provides export and import services; credit merchandise comprising commercial and trade advance, import export assistance, and agricultural assistance; corporate salary accounts; and cash cheque deposits, as well as health, life and car coverage products. In addition, the business enterprise offers non-resident Indians (NRI) banking services, consisting of non-residential external accounts, non-resident ordinary accounts, recurring and time period deposits, overseas forex non-resident fixed deposits, and resident foreign money accounts, as well as money transfer offerings and NRI property loans; and micro and agricultural banking, and financial planning offerings. Further, it presents SME banking services, together with working capital facilities, trade facilities, and capacity growth offerings; credit, debit, and gift cards; and investment, depository, and on line banking offerings, in addition to locker facilities. As of March 31, 2021, it had 245 branches and 257 ATMs throughout 14 States and 1 Union Territory. The agency was included in 1927 and is based totally in Thrissur, India. ...Read Less
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Market Cap ₹991 Cr.
Stock P/E 14.9
P/B 0.8
Current Price ₹25.1
Book Value ₹ 31.9
Face Value 10
52W High ₹36.5
Dividend Yield 0%
52W Low ₹ 22
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 289 | 304 | 308 | 306 | 306 | 329 | 335 | 351 | 368 | 384 |
| Other Income | 52 | 24 | 36 | 41 | 32 | 52 | 42 | 43 | 39 | 35 |
| Total Income | 341 | 327 | 343 | 347 | 338 | 381 | 377 | 394 | 407 | 418 |
| Interest Expense | 171 | 183 | 194 | 201 | 206 | 208 | 206 | 216 | 229 | 242 |
| Operating Expenditure | 113 | 127 | 139 | 163 | 135 | 140 | 144 | 139 | 145 | 148 |
| Provisions and contingencies | 28 | -9 | 8 | -28 | 5 | 1 | 7 | 12 | 21 | 5 |
| Operating Profit | 30 | 26 | 3 | 11 | -8 | 33 | 20 | 27 | 12 | 23 |
| Profit Before Tax | 30 | 26 | 3 | 11 | -8 | 33 | 20 | 27 | 12 | 23 |
| Provision for Tax | 2 | 3 | 0 | 7 | 0 | 7 | 0 | -2 | 0 | 0 |
| Profit After Tax | 28 | 23 | 3 | 3 | -8 | 26 | 20 | 29 | 12 | 23 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 28 | 23 | 3 | 3 | -8 | 26 | 20 | 29 | 12 | 23 |
| Adjusted Earnings Per Share | 0.9 | 0.7 | 0.1 | 0.1 | -0.3 | 0.8 | 0.8 | 0.7 | 0.3 | 0.6 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 1284 | 1204 | 1089 | 1013 | 971 | 988 | 931 | 917 | 1071 | 1207 | 1320 | 1438 |
| Other Income | 85 | 77 | 111 | 102 | 53 | 113 | 122 | 169 | 75 | 153 | 169 | 159 |
| Total Income | 1369 | 1281 | 1200 | 1116 | 1024 | 1100 | 1053 | 1086 | 1146 | 1360 | 1489 | 1596 |
| Interest Expense | 985 | 900 | 757 | 668 | 625 | 614 | 601 | 554 | 595 | 749 | 837 | 893 |
| Operating Expenditure | 358 | 381 | 349 | 302 | 305 | 324 | 366 | 397 | 427 | 542 | 557 | 576 |
| Provisions and contingencies | 267 | 197 | 82 | 171 | 83 | 96 | 49 | 98 | 74 | 11 | 28 | 45 |
| Operating Profit | -241 | -196 | 12 | -25 | 12 | 66 | 37 | 36 | 49 | 58 | 67 | 82 |
| Profit Before Tax | -241 | -196 | 12 | -25 | 12 | 66 | 37 | 36 | 49 | 58 | 67 | 82 |
| Provision for Tax | 0 | 13 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -2 |
| Profit After Tax | -241 | -209 | 12 | -25 | 12 | 66 | 37 | 36 | 49 | 58 | 67 | 84 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | -241 | -209 | 12 | -25 | 12 | 66 | 37 | 36 | 49 | 58 | 67 | 84 |
| Adjusted Earnings Per Share | -11 | -9.6 | 0.5 | -0.8 | 0.4 | 2.1 | 1.2 | 1.2 | 1.6 | 1.9 | 1.7 | 2.4 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 9% | 13% | 6% | 0% |
| Operating Profit CAGR | 16% | 23% | 0% | 0% |
| PAT CAGR | 16% | 23% | 0% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -23% | 7% | 18% | 3% |
| ROE Average | 6% | 7% | 6% | -2% |
| ROCE Average | 6% | 6% | 6% | 2% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 724 | 508 | 654 | 749 | 761 | 827 | 864 | 900 | 961 | 1030 | 1395 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deposits | 12382 | 11354 | 11294 | 10920 | 10603 | 10904 | 11712 | 12403 | 13352 | 14290 | 16013 |
| Borrowings | 941 | 252 | 145 | 392 | 200 | 178 | 150 | 150 | 492 | 299 | 200 |
| Other Liabilities & Provisions | 305 | 349 | 240 | 225 | 234 | 357 | 371 | 343 | 327 | 343 | 328 |
| Total Liabilities | 14352 | 12463 | 12333 | 12286 | 11799 | 12265 | 13097 | 13796 | 15132 | 15962 | 17937 |
| Cash and balance with RBI | 669 | 579 | 575 | 603 | 557 | 549 | 602 | 708 | 836 | 760 | 992 |
| Bank Balance | 621 | 254 | 233 | 269 | 66 | 581 | 383 | 27 | 10 | 215 | 87 |
| Investments | 4497 | 3792 | 4194 | 4365 | 4037 | 3682 | 4439 | 4044 | 3889 | 3942 | 3955 |
| Advances | 7670 | 6953 | 6446 | 6110 | 6289 | 6496 | 6787 | 8142 | 9452 | 10102 | 11959 |
| Fixed Assets | 184 | 152 | 183 | 173 | 169 | 179 | 225 | 221 | 251 | 267 | 266 |
| Other Assets | 693 | 706 | 671 | 736 | 648 | 744 | 660 | 653 | 688 | 668 | 661 |
| Total Assets | 14352 | 12463 | 12333 | 12286 | 11799 | 12265 | 13097 | 13796 | 15132 | 15962 | 17937 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 1675 | 1290 | 833 | 808 | 872 | 623 | 1129 | 985 | 736 | 847 | 975 |
| Cash Flow from Operating Activities | -605 | -298 | -99 | -203 | -144 | 554 | -90 | 139 | 216 | 17 | -5 |
| Cash Flow from Investing Activities | -10 | -9 | -11 | -3 | -10 | -25 | -27 | -388 | -106 | 111 | -32 |
| Cash Flow from Financing Activities | 230 | -150 | 84 | 270 | -95 | -23 | -28 | 0 | 0 | 0 | 142 |
| Net Cash Inflow / Outflow | -385 | -457 | -26 | 64 | -248 | 506 | -144 | -249 | 111 | 128 | 105 |
| Closing Cash & Cash Equivalent | 1290 | 833 | 808 | 872 | 623 | 1129 | 985 | 736 | 847 | 975 | 1080 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | -11.04 | -9.57 | 0.48 | -0.8 | 0.37 | 2.11 | 1.19 | 1.15 | 1.58 | 1.85 | 1.69 |
| CEPS(Rs) | -10.2 | -8.43 | 1.26 | -0.37 | 0.73 | 2.54 | 1.68 | 1.79 | 2.26 | 2.66 | 2.33 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 33.08 | 23.22 | 25.29 | 19.53 | 19.92 | 22.04 | 23.25 | 24.42 | 25.68 | 27.9 | 31.33 |
| Yield on Advances | 16.74 | 17.32 | 16.89 | 16.58 | 15.45 | 15.2 | 13.71 | 11.26 | 11.33 | 11.95 | 11.04 |
| Yield on Investments | 7.61 | 8.77 | 7.43 | 6.95 | 6.81 | 7.98 | 7.11 | 6.37 | 5.99 | 5.54 | 6.05 |
| Cost of Liabilities | 7.39 | 7.75 | 6.62 | 5.9 | 5.78 | 5.54 | 5.07 | 4.42 | 4.3 | 5.13 | 5.16 |
| NIM (Net Interest Margin) | 2.22 | 2.63 | 2.9 | 3.05 | 3.17 | 3.3 | 2.7 | 2.8 | 3.35 | 3.05 | 2.84 |
| Interest Spread | 9.34 | 9.57 | 10.27 | 10.68 | 9.66 | 9.66 | 8.65 | 6.84 | 7.03 | 6.82 | 5.88 |
| ROA(%) | -1.66 | -1.56 | 0.1 | -0.2 | 0.1 | 0.55 | 0.29 | 0.27 | 0.34 | 0.37 | 0.39 |
| ROE(%) | -33.07 | -34.01 | 2.13 | -3.94 | 1.9 | 10.05 | 5.26 | 4.83 | 6.32 | 6.92 | 6.33 |
| ROCE(%) | -8.2 | -13.39 | 5.02 | 0.19 | 3.95 | 9.23 | 5.73 | 5.37 | 6.13 | 5.78 | 5.87 |
| PER(x) | 0 | 0 | 50.35 | 0 | 37.62 | 3.1 | 10.09 | 8.73 | 7.41 | 18.05 | 17.57 |
| Price/Book(x) | 0.76 | 0.69 | 0.95 | 0.88 | 0.71 | 0.3 | 0.52 | 0.41 | 0.46 | 1.2 | 0.95 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 1.16 | 0.5 | 0.71 | 0.92 | 0.66 | 0.39 | 0.56 | 0.51 | 0.8 | 1.11 | 1.04 |
| EV/Core EBITDA(x) | 58.28 | 1200.56 | 8.17 | 6.36 | 6.74 | 2.35 | 6.12 | 3.45 | 6.96 | 19.39 | 14.41 |
| Interest Earned Growth(%) | -0.65 | -6.18 | -9.57 | -6.95 | -4.13 | 1.66 | -5.76 | -1.52 | 16.87 | 12.67 | 9.35 |
| Net Profit Growth | 4.15 | 13.26 | 105.91 | -300.96 | 146.91 | 463.7 | -43.46 | -3.45 | 37.48 | 17.14 | 15.25 |
| Advances Growth | -3.35 | -9.35 | -7.28 | -5.21 | 2.93 | 3.29 | 4.48 | 19.96 | 16.08 | 6.88 | 18.39 |
| EPS Growth(%) | 31.97 | 13.26 | 105 | -266.68 | 146.91 | 463.7 | -43.46 | -3.45 | 37.48 | 17.14 | -8.9 |
| Loans/Deposits(x) | 7.6 | 2.22 | 1.29 | 3.59 | 1.89 | 1.63 | 1.28 | 1.21 | 3.69 | 2.09 | 1.25 |
| Cash/Deposits(x) | 0.05 | 0.05 | 0.05 | 0.06 | 0.05 | 0.05 | 0.05 | 0.06 | 0.06 | 0.05 | 0.06 |
| Current Ratio(x) | 0.36 | 0.33 | 0.37 | 0.4 | 0.38 | 0.34 | 0.38 | 0.33 | 0.29 | 0.28 | 0.25 |
| Quick Ratio(x) | 7.6 | 2.22 | 1.29 | 3.59 | 1.89 | 1.63 | 1.28 | 1.21 | 3.69 | 2.09 | 1.25 |
| CASA % | 24.34 | 25.03 | 29.44 | 30.8 | 32.01 | 29.8 | 33.37 | 34.29 | 31.9 | 30.66 | 29.02 |
| # | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| FII | 10.98 | 10.76 | 11.89 | 6.1 | 5.93 | 4.97 | 6.95 | 15.26 | 15.52 | 15.28 |
| DII | 0.07 | 0.07 | 0.07 | 0.07 | 0.07 | 0.07 | 0.16 | 0.05 | 0.05 | 0.05 |
| Public | 88.95 | 89.16 | 88.04 | 93.83 | 94 | 94.95 | 92.89 | 84.69 | 84.43 | 84.68 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| FII | 2.78 | 2.72 | 3.01 | 1.54 | 1.5 | 1.26 | 1.76 | 6.02 | 6.13 | 6.03 |
| DII | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.04 | 0.02 | 0.02 | 0.02 |
| Public | 22.51 | 22.56 | 22.27 | 23.74 | 23.78 | 24.02 | 23.5 | 33.43 | 33.32 | 33.42 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 25.3 | 25.3 | 25.3 | 25.3 | 25.3 | 25.3 | 25.3 | 39.47 | 39.47 | 39.47 |
* The pros and cons are machine generated.
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