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Dhanlaxmi Bank Ltd

Dhanlaxmi Bank

Small Cap•1,756 Employees•IPO 1996
Current Price
₹23.59
-0.27 (-1.13%)Updated
NSE :DHANBANK
BSE :532180
Sector :Banks
Valuation vs Sector
P/E Ratio
10.55vs 20.04
P/B Ratio
0.66vs 2.26
Div Yield
0.00%vs 0.54%
Today's Range
₹23.28
₹23.59
union icon
₹23.74
52 Week Range
52W Low₹22.06
52W High₹33.50
₹23.59
union icon
Downside6.94%
Upside42.01%
chart iconChart

Price Chart

Compare with Peers

Historical Ratios

Track top 12 most important financial ratios

P/E Ratio: Price to Earnings - Most used valuation metric

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Analyzing Investment Quality

Processing 9 key metrics...

Key Metrics

Hover for details

Valuation

Market Cap
₹952.41 Cr
Market Cap
Total market value of company
P/E Ratio
10.79
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)
P/B Ratio
0.68
P/B Ratio
Price to Book Value. <3 may indicate undervaluation
EPS
₹2.36
EPS
Earnings Per Share. Higher and growing is positive

Profitability

ROE
6.24%
ROE
Return on Equity. >15% is good, >20% is excellent
ROCE
5.47%
ROCE
Return on Capital Employed. >15% is good
Net Margin
17.66%
Net Margin
Net profit as % of revenue. >10% is good
Operating Margin
-%
Operating Margin
Operating profit margin. >15% is good

Growth

EPS Growth (5Y)
-1.81%
EPS Growth (5Y)
5-year EPS growth. >15% is strong
Revenue Growth (5Y)
1.12%
Revenue Growth (5Y)
5-year revenue growth. >10% is good
Qtr Sales Growth
16.70%
Qtr Sales Growth
Quarter-over-quarter sales growth
Qtr Profit Growth
-10.10%
Qtr Profit Growth
Quarter-over-quarter profit growth

Financial Health

Debt/Equity
0.16
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellent
Book Value
₹35.35
Book Value
Net asset value per share
Dividend Yield
-%
Dividend Yield
Annual dividend as % of price. >2% is good
Promoter Holding
0.00%
Promoter Holding
Promoter stake. >50% shows confidence
Good
Average
Needs Attention

SWOT Analysis

Strengths

4 points
  • •The company exhibits a relatively attractive Price-to-Earnings (P/E) ratio of 12.60, which is lower than many larger private sector bank peers, potentially indicating an undervalued stock based on its earnings.
  • •Trading at a Price-to-Book Value of 0.75, the stock is currently valued below its intrinsic book value, which could present an appealing entry point for value-oriented investors.

Weaknesses

5 points
  • •The company carries a very high Debt-to-Equity ratio of 12.40, indicating substantial financial leverage which could pose significant risks during economic downturns or rising interest rates.
  • •A complete absence of promoter holding (0%) raises concerns about management's long-term commitment and alignment of interests with minority shareholders, potentially impacting investor confidence.

Opportunities

3 points
  • •The recent increase in FII holding to 15.27% (from 6.10% in March 2024) indicates growing institutional investor confidence, which could attract further foreign investment and boost stock valuation.
  • •As a smaller player in the "Private Sector Bank" industry with a market cap of 1058 Cr, the company has substantial room for expansion and market share gains within a growing financial services sector.

Threats

4 points
  • •The company operates in a highly competitive "Private Sector Bank" industry, facing formidable challenges from larger, well-established peers with superior resources and extensive market reach.
  • •A very high public shareholding of 84.68% combined with zero promoter holding could lead to increased stock volatility and potential governance issues, impacting long-term strategic stability.

Segment-wise Financial Analysis

Financial Results

Balance Sheet

Standalone • Annual • All amounts in ₹ Crores • CA Schedule III Format

No Balance Sheet Data Available

Standalone annual data is not available for this symbol.
Try switching to Consolidated view.

Shareholding Pattern

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Company Insider Trading Activity

No insider trading data available

Corporate Action

Company Announcements

Technical Analysis & Indicators

Standard pivot points - most widely used

Pivot Points (CLASSIC)

LevelPriceDistance% Change
R4₹24.71+₹1.12+4.76%
R3₹24.25+₹0.66+2.81%
R2₹24.00+₹0.41+1.72%
R1₹23.79+₹0.20+0.86%
PIVOT₹23.54-0.05-0.23%
CURRENT₹23.59--
S1₹22.41-₹1.18-4.99%
S2₹22.87-₹0.72-3.04%
S3₹23.08-₹0.51-2.18%
S4₹23.33-₹0.26-1.09%
CPR Levels
Support
Resistance
S4
S3
S2
S1
| CPR |
BC: N/AP: N/ATC: N/A
R1
R2
R3
R4
indicator
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment

is trading CPR, indicating

● CPR Width

CPR is

● Opening Range

Day's range: ~

● Price Position

Trading Inside opening range

Delivery Volume Analysis & Trading Activity

Latest Volume
1.03M
(02 Mar 2026)
+130.4% vs avg
Delivery %
69.9%
(02 Mar 2026)
+10.4% vs avg
Avg Volume (20D)
4.49L
(03 Feb - 02 Mar)
20-day average
Avg Delivery %
59.4%
(03 Feb - 02 Mar)
Trend ↓
Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.

Peer Comparison & Industry Benchmarking

Quick Compare

Largest by Market Cap
AU Small Finance Bank Ltd
74,743.13 ₹ Cr
Best Profit Growth
Capital Small Finance Bank Ltd
6.63 %
Highest Dividend Yield
Bandhan Bank Ltd
0.89 %

Peer Comparison

Company Name
AUBANK
AU Small Finance Bank Ltd
BANDHANBNK
Bandhan Bank Ltd
CAPITALSFB
Capital Small Finance Bank Ltd
CSBBANK
CSB Bank Ltd
UJJIVANSFB
Ujjivan Small Finance Bank Ltd

About

DHANBANK

Dhanlaxmi Bank Ltd

Dhanlaxmi Bank Limited is a financial institution operating in India, offering a wide range of banking and financial services across diverse segments. Its core business is divided into Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Business Operations. These segments collectively provide a comprehensive suite of financial products and services catering to a broad spectrum of customers, from individuals to corporations and Non-Resident Indians (NRIs).

The bank's deposit offerings encompass various accounts, including savings, current, and term deposits, catering to different customer needs and financial goals. On the lending side, Dhanlaxmi Bank provides an extensive portfolio of loans, covering personal needs, home purchases, vehicle financing (new and used cars, two-wheelers), commercial purposes, gold loans, educational expenses, business ventures, and green initiatives. Additionally, it offers loans against securities and properties, along with lease rental discounting services.

Beyond traditional banking, Dhanlaxmi Bank is involved in foreign exchange services, including currency exchange, remittances, and export/import financing. It actively supports businesses through industrial and trade advances, import-export assistance, and agricultural assistance. The bank also caters to corporate clients with services such as salary accounts and treasury bill-linked loans. Furthermore, it offers trade finance solutions, electronic bank guarantees, and facilitates access to liberalized remittance schemes. The bank's services extend to investment options, such as 3-in-1 trading accounts and mutual fund investment services, coupled with insurance products covering life, health, and automobiles.

A significant portion of Dhanlaxmi Bank's operations focuses on specialized services. NRI banking is a key area, offering diverse accounts, deposits, and loans tailored to the needs of Non-Resident Indians. Micro and agricultural banking play a crucial role, serving the needs of smaller businesses and farmers. The bank also provides SME banking, offering working capital, trade facilities, and capacity expansion support. Further enhancing customer convenience, Dhanlaxmi Bank offers a range of digital banking services, including online bill payments, UPI transactions, mobile banking, and online trading, alongside physical services like credit/debit cards and safe deposit lockers. This commitment to both traditional and modern banking ensures accessibility and convenience for its diverse clientele.

COMPANY FACTS - DHANBANK

Registered Address

Punkunnam

Trichur

KERALA

IN

Tel: 914877107100

Website:https://www.dhanbank.com/

Investor Relations:http://www.dhanbank.com/investor-relations/
Company Details

Group: Banks

Sector: Financials

Industry: Banks

Exchange: NATIONAL STOCK EXCHANGE OF INDIA

Employees: 1,756

IPO Date: 18/03/1996

MANAGEMENT - DHANBANK

Shri. K. N. Madhusoodhanan

Part Time Chairman of the Board, Independent Director

Shri. Ajith K. K.

Chief Executive Officer, Managing Director

Mr. Venkatesh H.

Compliance Officer, Company Secretary

Mr. John Varughese

General Manager

Shri. P. Jayakumar

Executive Director

Shri. P. Suriaraj

Executive Director

P. Manikandan

Chief General Manager

Sri. Rajan Sleeba

Head- Human Resources

Shri. Jineesh C K

Additional Director

Shri. Gopinathan C.K.

Non-Independent Director

Shri. Nageswara Chatradi

Additional Director

Shri. D. K. Kashyap

Additional Director

Investor Questions Answered

Dhanlaxmi Bank Ltd (DHANBANK) Stock FAQs

Get answers to the most common questions about Dhanlaxmi Bank Ltd stock price, fundamentals, financial metrics, and investment analysis

The current share price of Dhanlaxmi Bank Ltd (DHANBANK) is ₹23.59. Today, the stock has declined by ₹0.27 (1.13%), trading in a range of ₹23.28 to ₹23.74. The stock opened at ₹23.68 with a trading volume of 10,34,182 shares.
Dhanlaxmi Bank Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹952.41 crores, P/E ratio of 10.79, ROE of 6.24%, and ROCE of 5.47%. The dividend yield stands at 0.00%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of Dhanlaxmi Bank Ltd (DHANBANK) is ₹33.5, while the 52-week low is ₹22.06. Currently trading at ₹23.59, the stock is 13.4% away from its 52-week low and 29.6% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Dhanlaxmi Bank Ltd stock at ₹23.59 depends on multiple factors. The stock is currently trading with a P/E ratio of 10.79 and P/B ratio of N/A. Today's performance shows a loss of 1.13%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
Dhanlaxmi Bank Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹23.59, you can expect to receive approximately ₹0.00 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
Dhanlaxmi Bank Ltd's key financial metrics include: P/E Ratio: 10.79, P/B Ratio: N/A, ROE: 6.24%, ROCE: 5.47%, Dividend Yield: 0.00%, EPS: ₹2.36, Book Value: ₹35.35, Debt-to-Equity: 0.16, and Current Ratio: N/A. The company's market cap stands at ₹952.41 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Dhanlaxmi Bank Ltd stock opened at ₹23.68 and is currently trading at ₹23.59, showing a decline of ₹0.27 (1.13%). The intraday high is ₹23.74 and low is ₹23.28. The trading volume stands at 10,34,182 shares, indicating strong market participation today.
Dhanlaxmi Bank Ltd has a Price-to-Earnings (P/E) ratio of 10.79, which means investors are willing to pay ₹10.79 for every ₹1 of earnings. With an EPS of ₹2.36, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.
Dhanlaxmi Bank Ltd has a market capitalization of ₹952.41 crores, making it a small-cap company. Market cap is calculated by multiplying the current stock price (₹23.59) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Dhanlaxmi Bank Ltd has a book value of ₹35.35 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹23.59, which is 33.3% below the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Dhanlaxmi Bank Ltd has a Return on Equity (ROE) of 6.24% and Return on Capital Employed (ROCE) of 5.47%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
Dhanlaxmi Bank Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Dhanlaxmi Bank Ltd has a debt-to-equity ratio of 0.16, which measures the company's financial leverage by comparing total debt to shareholders' equity. A low ratio suggests conservative financing with minimal debt. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Dhanlaxmi Bank Ltd has an Earnings Per Share (EPS) of ₹2.36, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹23.59 and P/E ratio of 10.79, investors are paying 10.79 times the annual earnings per share. The company may need to improve its earnings performance. Track EPS growth over quarters to assess earnings momentum.
Dhanlaxmi Bank Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Dhanlaxmi Bank Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Dhanlaxmi Bank Ltd stock, consider: 1) Fundamental Analysis - Review P/E (10.79), ROE (6.24%), debt-to-equity (0.16), and growth rates. 2) Technical Analysis - Check 52-week range (₹22.06 - ₹33.50), moving averages, and chart patterns. 3) Valuation - Compare current price (₹23.59) with book value (₹35.35) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Dhanlaxmi Bank Ltd share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹23.59 is 136x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Dhanlaxmi Bank Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹22.06 - ₹33.50). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 0.16 indicates leverage. 4) Liquidity Risk - Based on trading volume of 10,34,182 shares. 5) Valuation Risk - P/E of 10.79 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Dhanlaxmi Bank Ltd operates in the industry with key metrics: P/E ratio of 10.79, ROE of 6.24%, market cap of ₹952.41 crores, and dividend yield of 0.00%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 0.16), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Dhanlaxmi Bank Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹23.59, with a 52-week range of ₹22.06 to ₹33.50. Based on fundamentals like P/E (10.79), ROE (6.24%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Dhanlaxmi Bank Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹23.59. 2) Fundamental Deterioration - Declining ROE (currently 6.24%), increasing debt (D/E: 0.16), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Dhanlaxmi Bank Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.00%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.