Key Metrics 
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10 Yrs X-Ray 
Valuation 
Analyst Note 
Qtr. Results 
Financials 
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About
Dhanlaxmi Bank Ltd (DHANBANK)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 532180 NSE: DHANBANK Bank - Private | Small Cap | Dhanlaxmi Bank Share Price
₹29.83 -0.09 (-0.30%)
As on 24-Sep'26 16:59
Dhanlaxmi Bank Ltd (DHANBANK)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 532180 NSE: DHANBANK Bank - Private | Small Cap | Dhanlaxmi Bank Share Price
₹29.83 -0.09 (-0.30%)
As on 24-Sep'26 16:59
Key Metrics
Valuation Multiples
Market Cap
₹1,181 Cr.
Current Price
₹29.8
52-Week Low / High
₹20 / 37
TTM EPS
-
TTM Sales
-
Book Value per Share
-
P/E Ratio
Industry PE
17.3
Price to Book (P/B)
EV/EBITDA
Dividend Yield
0%
Profitability Efficiency
Return on Equity (ROE)
%
Return on Capital Employed (ROCE)
%
Net Interest Margin (NIM)
%
Return on Assets (ROA)
%
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Deposit Growth (1 Year)
-
-
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
28.77%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
5.87%
Asset Quality
CASA
0%
Gross NPA(%)
1.89%
Net NPA(%)
0.51%
Cost to Income Ratio
%
Cost of Liabilities
%
Reserves
-
Equity
₹394.7 Cr.
Face Value
₹10
All Time Low / High
₹5.96 / 172.33
Check Before You Invest
Quality
Not GoodValuation
Somewhat OvervaluedCheck Valuation charts
Price Trend
Semi Strong
Is Dhanlaxmi Bank Ltd a good quality company?
Dhanlaxmi Bank Ltd is a weak quality company, based on a inconsistent multi-year financial track record.
This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.
We have analysed the performance of the company on the following:
-
How has it performed on generating Profits?
By checking its Total Income growth, NIM, PPOP, RoA and RoE compared to its last 5-year median.
-
How efficiently has it grown and managed operations?
By checking its Total Asset growth and Cost-to-Income ratio.
-
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.
How does Dhanlaxmi Bank Ltd performance compare with that of its Peers?
AUM Growth of Dhanlaxmi Bank Ltd vs Industry Peers?
Dhanlaxmi Bank Ltd AUM CAGR is %, compared to the 0-year industry median CAGR of %, indicating stable growth and maintaining its market share.
Promoter shareholding and pledge status of Dhanlaxmi Bank Ltd?
Promoters hold 0.00% of the Dhanlaxmi Bank Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Stock return of Dhanlaxmi Bank Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 4.3% based on the current price.
10 Year X-Ray :
Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Dhanlaxmi Bank Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income (₹ Cr.) | 332 | 346 | 347 | 373 | 330 | 362 | 476 | 458 | 483 | 622 | 661 | |
| YoY Gr. Rt. % | - | 4.3% | 0.3% | 7.6% | -11.7% | 9.9% | 31.3% | -3.6% | 5.4% | 28.8% | - | |
| Total Income | 1,200 | 1,116 | 1,024 | 1,100 | 1,053 | 1,086 | 1,146 | 1,360 | 1,489 | 1,794 | 1,871 | |
| YoY Gr. Rt. % | - | -7% | -8.2% | 7.4% | -4.3% | 3.1% | 5.5% | 18.7% | 9.5% | 20.5% | - | |
| Adj EPS (₹ ) | 0.5 | -0.8 | 0.4 | 2.1 | 1.2 | 1.2 | 1.6 | 1.9 | 1.7 | 2.6 | 2.9 | |
| YoY Gr. Rt. % | - | -266.7% | NA | 470.3% | -43.6% | -3.4% | 37.4% | 17.1% | -8.7% | 53.9% | - | |
| BVPS (₹ ) | 25.3 | 19.5 | 19.9 | 22 | 23.3 | 24.4 | 25.7 | 27.9 | 31.3 | 33.2 | 34.2 | |
| YoY Gr. Rt. % | - | -22.8% | 2% | 10.6% | 5.5% | 5% | 5.2% | 8.6% | 12.3% | 5.9% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 0.1 | -0.2 | 0.1 | 0.6 | 0.3 | 0.3 | 0.3 | 0.4 | 0.4 | 0.5 | 0.5 | |
| To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net NPA to Net Advances (%) | 2.6 | 3.2 | 2.4 | 1.6 | 4.8 | 2.9 | 1.2 | 1.3 | 1 | 0.5 | 0.5 | |
| To view Capital Adequacy Ratio (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Capital Adequacy Ratio (%) | - | - | - | - | - | - | - | - | - | - | - | |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 7.3% | 13.6% | 9.4% | 28.8% | ||||
| Total Income | 4.6% | 11.2% | 16.1% | 20.5% | ||||
| Adj EPS | 20.7% | 16.9% | 18.1% | 53.9% | ||||
| BVPS | 3.1% | 7.4% | 8.9% | 5.9% | ||||
| Share Price | 4.4% | 18% | 8.4% | 16.8% | ||||
Key Financial Ratios
| RATIOS \ YEARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned / Total Income | 90.75 | 90.82 | 94.85 | 89.75 | 88.39 | 84.42 | 93.5 | 88.78 | 88.64 | 89.28 | 90 | |
| Margins | To view Margins Colour Rating Guide click here ⓘ | |||||||||||
| NIM (%) | 2.9 | 3.1 | 3.2 | 3.3 | 2.7 | 2.8 | 3.4 | 3.1 | 2.8 | 3.1 | 3 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 2.1 | -3.9 | 1.9 | 10.1 | 5.3 | 4.8 | 6.3 | 6.9 | 6.3 | 8.1 | 8.6 | |
| Liquidity Ratio | To view Liquidity Ratio Colour Rating Guide click here ⓘ | |||||||||||
| CASA (%) | 29.4 | 30.8 | 32 | 29.8 | 33.4 | 34.3 | 31.9 | 30.7 | 29 | 28.9 | - | |
Valuation of Dhanlaxmi Bank - Consolidated
Analyst's Notes
No data found!
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
* Pledged shares as % of Promoter's holding (%)
Financials
No data found!
No data found!
No data found!
No data found!
Top 5 Mutual Funds Holding
Last Visited Stocks
Announcements
Dhanlaxmi Bank Ltd FAQs
The current trading price of Dhanlaxmi Bank on 24-Sep-2026 16:59 is ₹29.83.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 23-Sep-2026 the market cap of Dhanlaxmi Bank stood at ₹1,180.9 Cr
The latest P/E ratio of Dhanlaxmi Bank as of 23-Sep-2026 is 10.23.
The latest P/B ratio of Dhanlaxmi Bank as of 23-Sep-2026 is 0.88.
The 52-week high of Dhanlaxmi Bank is ₹36.80 and the 52-week low is ₹19.50.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Dhanlaxmi Bank is ₹1,683 ( Cr.) .
Past 10 year’s financial track record analysis by Moneyworks4me indicates that Dhanlaxmi Bank Ltd is a below average quality company.
The key valuation ratios of Dhanlaxmi Bank Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of Dhanlaxmi Bank Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.
About Dhanlaxmi Bank Ltd
Dhanalakshmi Bank was incorporated in 1927 by group of entrepreneurs at Thrissur located in Kerala. The bank started with a seed capital of Rs.11,000 and with workforce of 7 employee.Much later in 1977, the bank was converted into Scheduled Commercial Bank.
Presently it has a pan-India network of 181 branches and 26 extension counters spread across in states like Kerala, Tamil Nadu, Karnataka, Andhra Pradesh, Maharashtra, Gujarat,
The Bank is managed by a Board of Directors comprising professionals drawn from various walks of life with Shri.G.N.Bajpai as Chairman and Shri Amitabh Chaturvedi as the Managing Director and CEO.
In August 2010, the bank has conveyed the approval of Registrar of Companies, Kerala and Lakshadweep (RoC) for change of name of the Bank from the present 'The Dhanalakshmi Bank' to 'Dhanlaxmi Bankâ€
Facilities
The bank has launched Centralised Banking Solution (CBS) on the Flexcube Platform facilitating anywhere/anytime banking to its clients. CBS has been installed in all branches. The bank also has established a data centre in
Dhanalakshmi Bank has installed Real Time Gross Settlement (RTGS) and National Electronic Fund Transfer (NEFT) Systems in order to avail facilities for large value payments and settlements in real time on-line mode on a transaction-by-transaction basis.
The bank has a tie up with Visa International for International Debit Card. As part of this overall effort, the Bank has joined CASHNET, the first independent nation-wide shared ATM network in
It is among those banks that offer free cash withdrawal facilities for its ATM debit card holders at other Bank ATMs.
Dhanalakshmi Bank has also forayed into both life and non-life insurance segment. For this it has tie up with MetLife
The bank also markets mutual fund products and for this it has tie up with SBI Mutual Fund, Birla Sunlife Mutual Fund and Principal PNB Asset Management Company.
In February 2010, the bank entered into a MoU with Destimoney Financial Services, for extending online trading and investment services to its customers and latter on invested Rs 13 crore in Destimoney Securities forming 15% of the equity capital of the company.
In March 2010, the bank marked its foray into the retail assets business with the launch of two credit cards -- platinum and gold.
The bank entered into an agreement in June 2010 with HDFC Mutual Fund for distributing the latter's financial products through its branches across the country.
In December 2010, Dhanlaxmi Bank has entered into a pact with Qatar's largest bank -- Doha Bank -- for online transfer of funds.
In January 2011, it ventured into the gift card space, which can be used at over 4.5 lakh merchant outlets. The gift card is a rupee-denominated, pre-paid, non-reloadable card.
Products and services
Personal Banking-Under this bank offers wide range of personal banking products and services such as deposit, saving, loans, internet banking, mobile banking, demat services, credit card, debit card, etc.
NRI banking- Dhanalakshmi Bank also caters its banking products and services to NRI customers such as deposit, car loans, remittances, investment schemes, insurance are amongst others.
Corporate banking- It provides a range of products and services to corporates.
Priority and SME- It also caters its products and services to priority and SME segment such as providing various kinds of products to meet their various business requirements. This involvement is part of the Bank’s objective to act as catalysts for the economic prosperity of the country. The Bank has recognized micro finance intervention as an effective tool for poverty alleviation and has streamlined the linkage between the Bank and Self Help Groups through 100 branches.
Milestones:
2010
- Dhalaxmi Bank Launches Mobile Banking.
- Company has changed its name from Dhanalakshmi Bank Ltd. to Dhanlaxmi Bank Ltd.
2011
- Dhanlaxmi Bank launches gift card.
- Dhanlaxmi Bank introduces 300-day deposit.
- Dhalaxmi Bank Launched a Forex Card - A Foreign Currency Denominated, Re - Loadable, Prepaid Card.
- Dhanlaxmi Bank launches the second series of gold coins.
2012
- Dhanlaxmi Bank starts silver retail business.'
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