Dhanlaxmi Bank
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Dhanlaxmi Bank share price

Dhanlaxmi Bank Ltd.

NSE: DHANBANK BSE: 532180 SECTOR: Bank - Private  94.91 K   152   29

25.87
+0.48 (1.89%)
BSE: Today, 04:01 PM

Price Summary

Today's High

₹ 25.95

Today's Low

₹ 24.88

52 Week High

₹ 36.53

52 Week Low

₹ 22.01

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 1021.09 Cr.

CASA %

29.02

No. of Shares

39.47 Cr.

P/E

11.76

P/B

0.82

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  31.57

Net Interest Income

₹ 483.29 Cr.

Cost To Income %

85.42

Promoter Holding

0 %

EPS (TTM)

₹  2.2

CAR %

16.12

ROE

6.33 %

ROCE

5.87%

Profit Growth

15.25 %

Add Your Ratio

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

ROE%

1 Year6.33%
3 Year6.52%
5 Year5.93%

ROA%

1 Year0.39%
3 Year0.37%
5 Year0.33%

Net NPA%

1 Year0.99%
3 Year1.13%
5 Year2.2%

 NIM

1 Year2.84%
3 Year3.08%
5 Year2.95%

CAR %

16.12

Cost of Liabilities %

5.1599

PEG Ratio

NA

Advances Growth %

18.3855

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2025 0.00 0.00
Mar 2025 0.00 0.00
Dec 2024 0.00 0.00
Sep 2024 0.00 0.00
Jun 2024 0.00 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company has been consistently maintaining a NIM of 3.08323333333333% since last 3 years.
  • Good Capital Adequacy Ratio of 16.12%.
  • The company has delivered good Profit growth of 22.894757164576% over the past 3 years.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.3688%
  • CASA Growth of -1.6412% YoY, which is very low.
  • Company has a low ROE of 6.5203% over the last 3 years.
  • High Cost to income ratio of 85.4245%.
  • Increase in Provision and contingencies of 148.805049039319% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
Interest Earned 305.84 328.83 334.59 350.62 367.76
Other Income 32.1 51.81 42.2 43.09 39.3
Interest Expended 205.95 208 206.25 216.39 228.66
Operating Expenses 135.28 139.51 143.96 138.64 145.12
Total Provisions 4.71 0.57 6.7 11.5 21.1
Profit Before Tax -8 32.56 19.88 27.18 12.18
Tax 0 6.75 0.03 -1.8 0
Net Profit -8 25.81 19.85 28.98 12.18
Net NPA % 1.26 1.12 0.86 0.99 1.13
Gross NPA % 4.04 3.82 3.53 2.98 3.22
Return on Assets % -0.2 0.22 0.48 0.67 0.27
NPM % -2.62 7.85 5.93 8.27 3.31

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Interest Earned 930.75 916.64 1071.24 1206.99 1319.88
Other Income 122.22 169.12 74.52 152.56 169.21
Interest Expended 601.1 554.32 595.48 748.54 836.59
Operating Expenses 366.04 397.13 427.07 541.75 557.39
Total Provisions 48.64 98.39 73.84 11.44 28.46
Profit Before Tax 37.19 35.9 49.36 57.82 66.64
Taxes 0 0 0 0 0
Net Profit 37.19 35.9 49.36 57.82 66.64
Adjusted EPS (Rs.) 1.19 1.15 1.58 1.85 1.69

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity and Liabilities
Share Capital 253.01 253.01 253.01 253.01 394.7
Total Reserves 611.09 646.99 708.14 776.75 1000.59
Deposits 11711.9 12402.89 13351.65 14290.31 16013.45
Borrowings 150 150 492.38 299.04 200
Other Liabilities 370.5 342.87 326.95 342.78 328.2
Total Liabilities 13096.51 13795.76 15132.13 15961.89 17936.94
Assets
Balance with RBI 602.12 708.4 836.34 760.03 992.4
Balance with Banks 382.85 27.44 10.29 214.59 87.43
Investments 4438.97 4044.06 3888.64 3942.4 3955.15
Advances 6787.4 8141.98 9451.52 10102.16 11959.49
Net Block 224.93 221 250.86 266.51 266.42
Other Assets 660.24 652.88 687.77 668.37 660.91
Total Assets 13096.51 13795.76 15132.13 15961.89 17936.94
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

 No Promoters Data available for this company.Report us
PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
investors 100.00 100.00 100.00 100.00 100.00
antara india evergreen fu... - 1.76 - - 1.76
ares diversified - - - 3.74 3.74
ayushmat ltd - - - - 3.38
b ravindran pillai 10.00 10.00 10.00 10.00 10.00
coeus global oppurtunitie... - - - - 3.10
investor education and pr... 0.53 0.53 - - 0.34
jineesh nath c k 7.50 - 7.50 7.50 7.50
kapilkumar wadhawan 5.00 5.00 5.00 3.20 3.20
meghraj properties pvt lt... - - - - 3.19
mohanachandran nair balak... 1.60 1.60 1.60 1.03 1.03
potluri rajmohan rao - - - - 1.56
samvrudhi multitrade priv... - - - - 1.11
shital raghu kataria 2.30 2.30 2.30 1.48 1.48
unico global oppurtunitie... - 2.61 - - 2.70
yusuffali musliam veettil... - - 5.00 5.00 5.00
anatara india evergreen f... - - - 1.76 -
ayushmat limited - - - 3.38 -
coeus global oppurtunitie... - - - 3.10 -
investor education and pr... - - 0.53 0.34 -
meghraj properties privat... - - 1.19 3.19 -
p raja mohan rao 2.44 2.44 2.44 1.56 -
samvrudhi multitrade priv... - - - 1.11 -
unico global oppurtunitie... - - 2.61 2.70 -
antara india evergreen fu... 1.76 - 1.76 - -
upsurge investment & fina... - - 1.12 - -
dr. jineesh nath c.k - 7.50 - - -
yusuufali musliam veettil... - 5.00 - - -
vespera fund limited 2.61 - - - -
yussuffali musliam veetti... 5.00 - - - -

Annual Reports

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Title Link
Annual Report 2022
Annual Report 2022
Annual Report 2020
Annual Report 2019
Annual Report 2018
Annual Report 2017

Ratings & Research Reports

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Credit ICRA
Credit CARE
Credit BRICKWORK
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Credit CARE
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Credit CARE RATINGS
Credit FITCH
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 No Research reports exist for this company.Report us

Concalls & Presentations

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Presentation Q4FY20
Presentation Q3FY21
Presentation Q2FY21
Presentation Q1FY21

Company News

 No Latest News available for this company.Report us

Dhanlaxmi Bank Stock Price Analysis and Quick Research Report. Is Dhanlaxmi Bank an attractive stock to invest in?

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how Dhanlaxmi Bank is performing and if it is the right time to buy the stock of Dhanlaxmi Bank with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. Dhanlaxmi Bank has earned Rs 1319.8772 Cr. revenue in the latest financial year. Dhanlaxmi Bank has posted decent revenue growth of 12.9218820019352% in last 3 Years.

  • In terms of advances, Dhanlaxmi Bank reported 18.3855% YOY,  rise . If you see 3 years advance growth, it stands at 13.6739132763877%.

  • Currently, Dhanlaxmi Bank has a CASA ratio of 29.019%. It’s overall cost of liability stands at 5.1599 %. Also, the total deposits from these accounts stood at Rs 16013.4513 Cr.

  • Dhanlaxmi Bank has a Poor ROA track record. The ROA of Dhanlaxmi Bank is at 0.3932%.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA of Dhanlaxmi Bank stood at 2.98% and 0.99% respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is positive at 148.805049039319% which means it has increased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of Dhanlaxmi Bank surged and is currently at Rs 169.2072 Cr.

  • Dhanlaxmi Bank has a Good Capital Adequacy Ratio of 16.12 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Dhanlaxmi Bank is trading at a P/B of 0.8194 . The historical average PB was 0.70616.

One can find all the Financial Ratios of Dhanlaxmi Bank in Ticker for free. Also, one can get the intrinsic value of Dhanlaxmi Bank by using Valuation Calculators, which are available with a Finology ONE subscription. 

Dhanlaxmi Bank FAQs

Q1. What is Dhanlaxmi Bank share price today?
Ans: The current share price of Dhanlaxmi Bank is Rs 25.87.

Q2. What is the market capitalisation of Dhanlaxmi Bank?
Ans: Dhanlaxmi Bank has a market capitalisation of Rs 1021.085927537 Cr., calculated based on its latest share price.

Q3. What are the P/E and P/B ratios of Dhanlaxmi Bank?
Ans: The PE ratio of Dhanlaxmi Bank is 11.7606946401782 and the P/B ratio of Dhanlaxmi Bank is 0.819378767099424, showing how the stock is valued against its earnings and book value.

Q4. What is the 52-week high and low of Dhanlaxmi Bank share?
Ans: The 52-week high share price of Dhanlaxmi Bank is Rs 36.5193221164721, and the 52-week low share price of Dhanlaxmi Bank is Rs 22.

Q5. Does Dhanlaxmi Bank pay dividends?
Ans: Currently, Dhanlaxmi Bank does not pay dividends. Dividend yield of Dhanlaxmi Bank is around 0%.

Q6. What are the face value and book value of Dhanlaxmi Bank shares?
Ans: The face value of Dhanlaxmi Bank shares is Rs 10, while the book value per share of Dhanlaxmi Bank is around Rs 31.5727. Face value is the nominal value set by the company, whereas book value reflects its accounting worth.

Q7. What are the ROE and ROCE of Dhanlaxmi Bank?
Ans: The ROE of Dhanlaxmi Bank is 6.3256% and ROCE of Dhanlaxmi Bank is 5.872%. ROE shows how efficiently the company is generating profit from shareholders’ equity, while the ROCE is reflects how efficiently the company uses its capital to generate returns.

Q8. Is Dhanlaxmi Bank a good buy for the long term?
Ans: The Dhanlaxmi Bank long-term outlook depends on debt levels, earnings growth, and sector trends. If it sustains profits and manages debt well, it may be considered for long-term investment.

Q9. Is Dhanlaxmi Bank undervalued or overvalued?
Ans: Based on valuation ratios like P/E, P/B, and EV/EBITDA, one can analyse whether the Dhanlaxmi Bank appears undervalued or overvalued at current levels. You can check detailed valuation metrics and peer comparisons on Finology Ticker.

Q10. How to check Dhanlaxmi Bank’s financials?
Ans: You can review Dhanlaxmi Bank’s financial statements - including balance sheet, income statement, and quarterly results - on Finology Ticker.

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Brief about Dhanlaxmi Bank
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