DCB Bank Limited — Credit Ratings, 03-07-2025: Credit Rating

Crisil Ratings has reaffirmed DCB Bank Limited’s ratings at ‘CRISIL AA-/Stable’ for its Tier II bonds (₹700 Cr total) and ‘CRISIL A1+’ for its short-term bank facilities, fixed deposits, and enhanced Certificate of Deposit program (₹1500 Cr). This reflects the bank’s strong capitalization with a comfortable capital adequacy ratio of 16.8% and a tangible networth of ₹5,691 Cr, steady growth in advances especially in the SME segment (24.7% YoY to ₹51,047 Cr), and stable asset quality with a GNPA of 3.0%. Despite modest earnings (ROA ~0.9%) and average CASA ratio (24.5%), the bank’s healthy liquidity and experienced management support its credit profile. The stable outlook indicates limited pressure on borrowing costs and sustained investor confidence in the medium term.