Dhanlaxmi Bank Limited, Fundamental analysis

Industry Industry name	Banks
Variance Full Year Net Profit Variance	55
Equity Latest Equity	394.7
Face Value Latest Face Value	10
Reserves Total Reserve	953.72
Dividend Full Year Dividend %	0
Sales Turnover Full Year Net Sales	1793.87
Net Profit Full Year Net Profit	102.59
Full Year CPS Full Year Cash Per Share	3.4
Earning Per Share Full Year Earning Per Share	2.6
Quarter CPS Latest quarter Cash Per Share	0
Latest Quarter Date Latest Quarter Yrc	Jun 1, 2026
Latest Quarter Sales Latest Quarter Net Sales	484.25
Previous EPS Previous earnings per share	0
Book Value Book value	34.2
Networth Full Year Return on Networth	5.27
Price/Book Value Price to Book value	1.052632
Yearly PE ratio Full Year Price to Earning per share	13.9
Yearly PC ratio Full Year Price to Cash Per Share	10.7
Bse value BSE Value in lakhs	97.48
Nse value NSE Value in lakhs	1424.07
High 52 week high	37
Low 52 week low	20
Price NSE Current market price	36
CPM Current market price	36

Market cap BSE / NSE Market Cap	1415.39
Net profit Latest Quarter Net Profit	24.91
Net profit variance Latest Quarter Net Profit variance	105
Result year Trailing latest month	Jun 1, 2026
TTM Sales Trailing Twelve 12 month Net Sales	1409.3
TTM OP Trailing Twelve 12 month Operating Profit	847.36
TTM OPM Trailing Twelve 12 month Operating Profit Margin	60.13
TTM GP Trailing Twelve 12 month Gross Profit	161.58
TTM GPM Trailing Twelve 12 month Gross Profit Margin	8.64
TTM NP Trailing Twelve 12 month Net Profit	24.17
TTM NPV Trailing Twelve 12 month Net Profit Variane	33.01
TTM EPS Trailing Twelve 12 month EPS	2.93
TTM PE Trailing Twelve 12 month PE	12.24
TTM CPS Trailing Twelve 12 month CPS	0
Month CPS Month Cash Per Share	0
TTM Depreciation Trailing Twelve 12 month Depreciation	0
Equity Latest Equity	394.7
LTP Latest Price (BSE/NSE)	36
Gross block Latest Gross Block	651.79
Loans Total loans	18642.88
Advances Latest Advances for Banks	14918.06
Net profit asset Latest Assets	75.4
Year OPM Full Year Operating Profit Margin	64
Year GPM Full Year Gross Profit Margin	9.4
Quarter OPM Latest quater Operation Profit Margin	63.5

	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
+ Sales	329	335	351	368	384	407	443	449
YOY Sales Growth %	8%	9%	14%	20%	17%	22%	26%	22%
Gross Sales	329	335	351	368	384	407	443	449
+ Expenses	140	151	150	166	153	180	177	177
Manufacturing Cost %	18%	18%	19%	17%	16%	18%	16%	15%
Employee Cost %	24%	25%	20%	23%	22%	21%	16%	21%
Other Cost %	0%	2%	3%	6%	1%	4%	8%	4%
Other Manufacturing Expenses %	18%	18%	19%	17%	16%	18%	16%	15%
Provisions & Contingencies %	0%	2%	3%	6%	1%	4%	8%	4%
Operating Profit	189	184	200	202	230	227	266	272
OPM %	57%	55%	57%	55%	60%	56%	60%	61%
+ Other Income	52	42	43	39	35	49	69	35
Miscellaneous Income	52	42	43	39	35	49	69	35
Interest / Discount on Advances or Bills	258	276	284	300	308	332	365	373
Interest on Investments	58	50	60	64	72	72	68	72
Interest on Balances with RBI	2	7	5	2	2	2	3	3
Other Interest	10	2	2	2	2	1	7	1
Interest	208	206	216	229	242	253	256	272
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	33	20	27	12	23	24	79	36
+ Tax %	21%	0%	-7%	0%	0%	0%	45%	30%
Current Tax	7	0	-2	0	0	0	35	11
Net Profit	26	20	29	12	23	24	43	25
EPS in Rs

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Sales	1,089	1,013	971	988	931	917	1,071	1,207	1,320	1,601
Sales Growth %		-7%	-4%	2%	-6%	-2%	17%	13%	9%	21%
Gross Sales	1,089	1,013	971	988	931	917	1,071	1,207	1,320	1,601
+ Expenses	430	473	388	440	409	494	519	541	581	677
Manufacturing Cost %	0%	0%	0%	0%	2%	3%	2%	2%	3%	4%
Employee Cost %	18%	16%	17%	19%	24%	26%	23%	27%	24%	20%
Other Cost %	21%	30%	23%	26%	18%	26%	23%	15%	17%	18%
Other Manufacturing Expenses %	0%	0%	0%	0%	2%	3%	2%	2%	3%	4%
Selling & Administration %	7%	7%	7%	7%	8%	8%	7%	7%	7%	6%
Miscellaneous Expenses %	13%	22%	15%	17%	8%	15%	14%	6%	8%	10%
Provisions & Contingencies %	8%	17%	9%	12%	4%	11%	9%	-0%	2%	5%
Operating Profit	659	540	584	548	522	422	553	666	739	925
OPM %	60%	53%	60%	55%	56%	46%	52%	55%	56%	58%
+ Other Income	111	102	53	113	122	169	75	153	169	192
Miscellaneous Income	111	102	53	113	120	169	75	153	169	192
Interest / Discount on Advances or Bills	769	692	634	694	659	650	825	962	1,063	1,305
Interest on Investments	277	292	309	269	241	246	235	221	226	276
Interest on Balances with RBI	24	11	12	8	18	11	3	7	15	9
Other Interest	18	18	17	16	13	9	8	17	16	11
Interest	757	668	625	614	601	554	595	749	837	979
Depreciation	20	13	11	13	15	20	21	25	25	30
Profit before tax	12	-25	12	46	43	37	32	70	72	138
+ Tax %	0%	-0%	0%	-43%	13%	3%	-56%	18%	7%	26%
Current Tax	0	0	0	0	0	0	1	1	7	10
Deferred Tax	0	0	0	-20	5	1	-19	11	-2	25
+ Net Profit	12	-25	12	66	37	36	49	58	67	103
Profit Growth %		-301%	-147%	464%	-43%	-3%	37%	17%	15%	54%
EPS in Rs

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	210	253	253	253	253	253	253	253	395	395
Reserves	445	496	508	574	611	647	708	777	1,001	1,079
+ Borrowings	11,439	11,312	10,804	11,082	11,862	12,553	13,844	14,589	16,213	19,380
Secured Borrowings	145	392	200	178	150	150	492	299	200	737
Unsecured Borrowings	11,294	10,920	10,603	10,904	11,712	12,403	13,352	14,290	16,013	18,643
+ Other Liabilities	240	225	234	357	371	343	327	343	328	384
Current Liabilities	243	228	237	358	372	347	331	344	332	386
Total Liabilities	12,333	12,286	11,799	12,265	13,097	13,796	15,132	15,962	17,937	21,238
+ Fixed Assets	183	173	169	179	225	221	251	267	266	284
Gross Block	373	376	379	394	446	454	500	537	549	652
Accumulated Depreciation	190	203	209	215	221	233	249	271	283	368
CWIP	31	31	33	35	0	0	7	8	15	7
Investments	4,194	4,365	4,037	3,682	4,439	4,044	3,889	3,942	3,955	4,257
+ Other Assets	7,925	7,718	7,560	8,369	8,433	9,531	10,986	11,745	13,700	16,690
Cash Equivalents	808	872	623	1,129	985	736	847	975	1,080	1,072
Loans n Advances	7,120	6,849	6,940	7,241	7,449	8,799	10,143	10,772	12,624	15,620
Other asset items	-3	-3	-3	-2	-2	-4	-4	-2	-4	-2
Total Assets	12,333	12,286	11,799	12,265	13,097	13,796	15,132	15,962	17,937	21,238

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Cash from Operating Activity	-99	-203	-144	554	-90	139	216	17	-5	631
Profit Before Tax & Extraordinary Items	12	-25	12	66	37	37	32	70	72	138
Depreciation	20	13	11	13	15	-47	21	25	25	30
Profit / Loss on Sale of Assets	0	0	0	0	0	0	-1	0	0	0
Provisions & Write-offs (Net)	83	177	73	83	86	145	154	7	23	84
Profit / Loss in Forex	1	-1	-1	0	0	0	0	1	0	0
Loans & Advances	427	202	-254	-265	-313	-1,434	-1,066	-802	-1,821	-2,640
Change in Borrowing	-107	97	-97	0	0	0	0	0	0	0
Change in Deposits	-60	-374	-316	301	808	691	949	939	1,723	2,629
Direct Taxes Paid	0	-1	-19	-1	-1	-1	0	-7	9	-2
+ Cash from Investing Activity	-11	-3	-10	-25	-27	-388	-106	111	-32	-790
Purchase of Fixed Assets	-11	-3	-65	-26	-27	-16	-35	-42	-33	-34
Sale of Fixed Assets	0	0	55	1	0	0	1	0	0	2
Purchase of Investments	0	0	0	0	0	-372	-71	0	0	-758
Sale of Investments	0	0	0	0	0	0	0	152	0	0
+ Cash from Financing Activity	84	270	-95	-23	-28	0	0	0	142	150
Proceeds from Issue of Shares	84	270	0	0	0	0	0	0	142	0
Proceeds from Other Long-Term Borrowings	0	0	0	0	0	0	0	0	0	150
Repayment of Long-Term Borrowings	0	0	0	0	0	0	0	0	-150	0
Others	0	0	-95	-23	-28	0	0	0	151	0
Net Cash Flow	-26	64	-248	506	-144	-249	111	128	105	-8