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The bank reported a profit despite higher provisions and contingencies of Rs 21 crore, compared with Rs 4.7 crore in the year-ago period, as per the exchange filing.
On the segmental front, revenue from treasury stood at Rs 76.38 crore (up 27.28% YoY), revenue from retail banking stood at Rs 218.58 crore (up 17.04% YoY), revenue from corporate and wholesale banking stood at Rs 109.28 crore (up 22.29% YoY), and revenue from other banking operations stood at Rs 2.82 crore (up 55.8% YoY) during the quarter.
On the asset quality front, the ratio of gross NPAs to gross advances stood at 3.22% as of 30 June 2025, as against 2.98% as of 31 March 2025 and 4.04% as of 30 June 2024. The ratio of net NPAs stood at 1.13% as of 30 June 2025, as against 0.99% as of 31 March 2025 and 1.26% as of 30 June 2024.
The bank's gross non-performing assets (NPAs) stood at Rs 401.95 crore as of 30 June 2025, as against Rs 364.11 crore as of 31 March 2025 and Rs 430.16 crore as of 30 June 2024.
Meanwhile, the net non-performing assets (NPAs) stood at Rs 138.62 crore as of 30 June 2025, compared with Rs 117.94 crore as of 31 March 2025 and Rs 130.61 crore as of 30 June 2024.
As of 30 June 2025, the provision coverage ratio (PCR), including technical write-offs, is 87.31%.
The capital adequacy ratio under Basel III stood at 18.26% in Q1 FY26, compared with 16.12% in Q4 FY25 and 13.37% in Q1 FY25.
Dhanlaxmi Bank is in the business of providing banking services.
Total business stood at Rs 29,054 crore as of 30 June 2025, registering a growth of 15.8% YoY.
CASA as of 30 June 2025 was at Rs 4,675 crore (up 3.8% YoY). The gold loan came in at Rs 4,039 crore during the period under review, rising 28.1% YoY.
Dhanlakshmi Bank's services in personal banking are savings accounts, current accounts, term deposits, personal loans, car loans, home loans, business loans, loans against property, credit cards, debit cards, internet banking, and mobile banking services.
The bank’s standalone net profit surged 775.5% to Rs 28.98 crore on a 13.4% increase in total income to Rs 393.71 crore in Q4 FY25 over Q4 FY24.
The scrip shed 0.96% to settle at Rs 29.96 on Friday, 4 July 2025.