Dcb Bank Limited
DCB Bank was incorporated in 1995, by reconstituting the Development Co-operative Bank Ltd (DCBL) to Development Credit Bank Ltd as a joint-stock banking company. In 2014, it got its present name. DCBL was set up in 1981, by amalgamating Ismailia Co-...
Key Metrics
EPS
17.13
Current ratio
0.06
Debt/Equity
11.44
Debt/EBITDA
71.09
Interest coverage ratio
0.00
Operating Cashflow to total debt
-0.02
Financials
Pros & Cons
Exclusive on TAP Bonds
Here's what we like about this company and potential risks we have identified.
Pros
Healthy capitalization
Established market position in SME segment, driven by past record of sustainable and calibrated growth
Modest yet range-bound asset quality metrics
Stable management team
Liquidity: Strong
Cons
Average earnings profile
Average resource profile with relatively lower share of CASA; focus on retail deposits
Modest scale of operations
Significant deterioration in asset quality thereby impacting the earnings profile of the bank
Weakening of capital position of the bank with overall CAR sustaining below 15% for an extended period
Disclaimer: Tap Bonds gathers data directly from the respective OBPP websites but does not guarantee its accuracy. We do not offer investment advice or endorse the purchase of any securities mentioned, nor do we warrant the reliability of the information collected.
About Dcb Bank Limited bond.
This comprehensive profile covers key factual information about Dcb Bank Limited. DCB Bank was incorporated in 1995, by reconstituting the Development Co-operative Bank Ltd (DCBL) to Development Credit Bank Ltd as a joint-stock banking company. In 2014, it got its present name. DCBL was set up in 1981, by amalgamating Ismailia Co-operative Bank Ltd with Masalawalla Co-operative Bank Ltd. AKFED and its Indian associate, Platinum Jubilee Investments, are the largest shareholders in DCB Bank, with combined stake at 14.75% as on June 30, 2024. DCB Bank had 445 branches as on June 30, 2024. AKFED is an international development agency, dedicated to promoting entrepreneurship and building economically sound enterprises in developing economies. AKFED operates as a network of affiliates with more than 90 separate project companies employing over 55,000 people, with group revenue of USD$ 4 billion in 2021. AKFED had co-promoted Housing Development Finance Corporation Ltd in India in the late 1970s. EPS in Mar-2024 was 17.13. Current ratio in Mar-2024 was 0.06. Debt/Equity in Mar-2024 was 11.44. Debt/EBITDA in Mar-2024 was 71.09. Interest coverage ratio in Mar-2024 was 0.00. Operating Cashflow to total debt in Mar-2024 was -0.02. Total revenue for Mar-2025 (E) was ₹6189.65. Net income for Mar-2025 (E) stood at ₹600.87. Total assets as of Mar-2024 were ₹63,107.19. Operating cash flow for Mar-2024 was ₹-1,239.84. The company’s borrowing relationships include Central Bank Of India (₹N/A Cr), Canara Bank (₹N/A Cr), Bank of India (₹N/A Cr), Central Bank Of India (₹N/A Cr), Canara Bank (₹N/A Cr), City Union Bank Limited (₹N/A Cr), (₹N/A Cr). Peers and comparison entities consist of Dcb Bank Limited, HDFC Bank Limited, ICICI Bank Limited, Kotak Mahindra Bank Limited. As of Dec 2024, promoters hold N/A% while others hold N/A% of equity. Key strengths include: Healthy capitalization; Established market position in SME segment, driven by past record of sustainable and calibrated growth; Modest yet range-bound asset quality metrics; Stable management team; Liquidity: Strong. Key risks include: Average earnings profile; Average resource profile with relatively lower share of CASA; focus on retail deposits; Modest scale of operations; Significant deterioration in asset quality thereby impacting the earnings profile of the bank; Weakening of capital position of the bank with overall CAR sustaining below 15% for an extended period. Leadership team details include Abhijit Bose (Chief Credit Officer), Ajay Mathur (Head), Ajit Singh (Head), Amyn Jassani (Director), Damodar Agarwal (Head), Farokh N Subedar (Chairman), Gaurav Mehta (Head), Iqbal Khan (Director), J K Vishwanath (Head), K K Pandey (Head), Krishna Ramasankaran (Head), Lakshmy Chandrasekaran (Director), Manoj Joshi (Chief Compliance Officer), Meghana Rao (Head), Murali Mohan Rao Manduva (Chief Technology Officer), N C Kaushal (Business Head), Narendranath Mishra (Head), P R Somasundaram (Director), Pankaj Sood (Head), Praveen Achuthan Kutty (Managing Director & CEO), Rafiq Somani (Director), Ravi Kumar (Chief Financial Officer), Rubi Chaturvedi (Company Secretary & Compliace Officer), Shabbir Merchant (Director), Sridhar Seshadri (Chief Risk Officer), T P Anuradha (Chief Internal Auditor), Tarun Balram (Director), Thiyagarajan Kumar (Director). This detailed corporate overview is structured to provide a thorough understanding of all available data points, enhance search visibility, and support investor analysis.