What DCB Bank lends, and to whom
Its loan book from its own filings: how big it was at the end of FY2025-26, who borrows from it, how it has grown and where it ranks. Every number links to the page it came from.
FY2025-26Year-end balance on 31 March 2026, the last day of FY2025-26. The latest half-year balance, on 30 Sep 2026, is ₹64,127 crore (+6.8% since March).
₹60,022croreadvances, net of IBPC and floating provision on 31 Mar 2026: lent and not yet repaid
Chapter 01 · The loan book
₹60,022 crore lent out by March 2026. To whom?
A loan book is everything a lender has lent that has not yet been paid back. It is not profit and not revenue: it is the money still owed to it, on one day.
The simple version. When someone takes a ₹50 lakh home loan, it sits in DCB Bank's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from mortgages down, and you get ₹60,022 crore. By 30 Sep 2026 it was ₹64,127 crore.
First cut: who the borrower is · split from its latest filing, 30 Sep 2026
Drilling down: what it lends against · 30 Sep 2026
- Mortgages₹30,636 crore47.8%
- Co-lending₹7,615 crore11.9%
- Gold Loans₹7,254 crore11.3%
- Corporates₹5,379 crore8.4%
- Others₹2,936 crore4.6%
- Kisan Credit Card (KCC)₹2,460 crore3.8%
- Construction Finance₹2,226 crore3.5%
- SME + MSME₹2,112 crore3.3%
- Farm Equipment (Tractors)₹2,094 crore3.3%
- Micro Finance Institutions (MFI)₹1,246 crore1.9%
- SHG/JLG - Lending through BC₹596 crore0.9%
- Commercial Vehicle₹291 crore0.5%
Chapter 02 · Insights
Growing 20% a year since March 2022.
From ₹29,096 crore on 31 March 2022 to ₹60,022 crore on 31 March 2026, and ₹64,127 crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.
- 0120%a year since 2022Grew 20% a year from March 2022 to March 2026, faster than 23 of the 29 other banks with like-for-like figures for those years.
- 0218%in FY2025-26Growth slowed to 18% in FY2025-26, from 25% the year before.
- 0328thamong peersHeld its place as the 28th biggest of these 33 banks from March 2022 to March 2026.
| Measure | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Sep 2026 |
|---|---|---|---|---|---|---|
| Loan book₹ crore · advances, net of IBPC and floating provision | 29,096 | 34,378 | 40,925 | 51,047 | 60,022 | 64,127 |
| Corporate and wholesale loans₹ crore | 2,913 | 4,477 | 5,143 | |||
| Deposits₹ crore | 34,692 | 41,239 | 49,353 | 60,031 | 72,583 | 76,839 |
| CASA ratio% | 26.75 | 26.42 | 26.02 | 24.52 | 22.38 | 22.30 |
| BranchesNumber | 400 | 427 | 442 | 464 | 480 | 483 |
Loan book, Mar 2022: ₹29,096 crore
“Advances 60,022 51,047 +18% 40,925 34,378 29,096”
Loan book, Mar 2023: ₹34,378 crore
“Advances 60,022 51,047 +18% 40,925 34,378 29,096”
Loan book, Mar 2024: ₹40,925 crore
“Advances 60,022 51,047 +18% 40,925 34,378 29,096”
Loan book, Mar 2025: ₹51,047 crore
“Advances 60,022 51,047 +18% 40,925 34,378 29,096”
Loan book, Mar 2026: ₹60,022 crore
“Advances 60,022 51,047 +18% 40,925 34,378 29,096”
Loan book, Sep 2026: ₹64,127 crore
“Total 42,458 15,310 1,934 5,143 64,127 21.1% 7.0%”
Corporate and wholesale loans, Mar 2025: ₹2,913 crore
“Total 34,013 11,801 2,497 2,913 51,047”
Corporate and wholesale loans, Mar 2026: ₹4,477 crore
“Total 39,649 14,087 2,012 4,477 60,022”
Corporate and wholesale loans, Sep 2026: ₹5,143 crore
“Total 42,458 15,310 1,934 5,143 64,127”
Deposits, Mar 2022: ₹34,692 crore
“Deposits 72,583 60,031 +21% 49,353 41,239 34,692”
Deposits, Mar 2023: ₹41,239 crore
“Deposits 72,583 60,031 +21% 49,353 41,239 34,692”
Deposits, Mar 2024: ₹49,353 crore
“Deposits 72,583 60,031 +21% 49,353 41,239 34,692”
Deposits, Mar 2025: ₹60,031 crore
“Deposits 72,583 60,031 +21% 49,353”
Deposits, Mar 2026: ₹72,583 crore
“Deposits 72,583 60,031 +21%”
Deposits, Sep 2026: ₹76,839 crore
“Deposits 76,839 74,482 72,583”
CASA ratio, Mar 2022: 26.75%
“(FY2022: 26.75%)”
CASA ratio, Mar 2023: 26.42%
“CASA Ratio at 26.42%”
CASA ratio, Mar 2024: 26.02%
“CASA Ratio at 26.02%”
CASA ratio, Mar 2025: 24.52%
“CASA Ratio at 24.52%”
CASA ratio, Mar 2026: 22.38%
“CASA Ratio at 22.38%”
CASA ratio, Sep 2026: 22.30%
“CASA Ratio at 22.30%”
Branches, Mar 2022: 400
“Q4 FY 2022 400 448,401”
Branches, Mar 2023: 427
“427 Branches, 27 branches added in FY2023”
Branches, Mar 2024: 442
“infrastructure: 442”
Branches, Mar 2025: 464
“infrastructure: 464”
Branches, Mar 2026: 480
“480 Branches”
Branches, Sep 2026: 483
“483 Branches”
Insights alertQ3 FY2026-27 due by 14 Feb 2027
Know what moved at DCB Bank, the week its results land.
Insights reads the filing, checks every figure against its page, and emails you the story with the receipts. About four emails a year per lender.
You're in. Watch for DCB Bank's next results.
CreditBrief Insightsto you
DCB Bank, Q2 FY2026-27: loan book ₹64,127 crore, +6.8% since March
- ₹64,127 crore lent out by Q2 FY2026-27
- Biggest segment: Mortgages, 48% of the book
- Every figure links to page 19 of its filing
Chapter 03 · Among its peers
28th biggest of 33 banks we cover, March 2026.
At the end of FY2025-26 it held 0.3% of the combined loan book of the banks on CreditBrief. Banks report advances, gross or net, and each row says which.
- 1State Bank of India₹49.33 lakh crore
- 2HDFC Bank₹29.60 lakh crore
- 3ICICI Bank₹15.54 lakh crore
- 4Bank of Baroda₹14.30 lakh crore
- 5Punjab National Bank₹12.59 lakh crore
- 6Canara Bank₹12.38 lakh crore
- 7Axis Bank₹12.34 lakh crore
- 8Union Bank of India₹10.79 lakh crore
- 28DCB Bank₹60,022 crore
Chapter 04 · Working here
Getting in.
Chapter 05 · Sources
Every number, traced to its filing.
- Loan book and segmentsDCB Bank Investor Presentation Q2 FY27 (exchange filing), PDF page 19 ↗Q2 FY2026-27, balance on 30 Sep 2026
- Logo and nameBelong to the lender and only identify it. CreditBrief is independent and not linked to any lender.
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