Let's break down Development Credit Bank Limited (DCBBANK) — from its financial performance to how the market is valuing the stock.
Development Credit Bank Revenue Trend
For FY2025, Development Credit Bank Limited recorded revenue of ₹7,221 Cr. That's 23.7% higher than the ₹5,836 Cr it brought in during FY2024.
The long-term growth story is impressive: a 16.4% CAGR over 10 years, from ₹1,588 Cr to ₹7,221 Cr. That's well above what most listed companies manage.
At ₹7,221 Cr in annual revenue, Development Credit Bank Limited is one of the mid-sized players in the banks space.
Revenue has moved in the same direction for 4 years running, suggesting the growth trend has structural legs.
| Year | Revenue | YoY % |
|---|---|---|
| FY2025 | ₹7,221 Cr | +23.7% |
| FY2024 | ₹5,836 Cr | +26.6% |
| FY2023 | ₹4,610 Cr | +16.3% |
| FY2022 | ₹3,965 Cr | +1.2% |
| FY2021 | ₹3,917 Cr | — |
View Development Credit Bank Limited's full 10-year revenue trend with CAGR analysis →
Development Credit Bank Profitability
Earnings came in strong at ₹615 Cr for FY2025, marking a 14.8% gain over the ₹536 Cr posted in FY2024.
Net margin slipped from 9.2% to 8.5% in FY2025 — a sign of thinning profitability.
Earnings per share (diluted) were ₹19.49 in FY2025, up from ₹16.99.
Is Development Credit Bank Undervalued
The P/E Ratio valuation pegs Development Credit Bank Limited's fair value at ₹143, which is 18.3% downside from the current price.
Development Credit Bank Limited shares are currently trading at ₹174.61.
Craytheon also calculates intrinsic value using the EPS Growth, P/B Ratio, and DDM models. The full breakdown with assumptions is available in the detailed analysis.
| Model | Est. Fair Value | vs. Current Price |
|---|---|---|
| P/E Ratio | Upgrade | Upgrade |
| EPS Growth | Upgrade | Upgrade |
| P/B Ratio | ₹143 | 18.3% downside to fair value |
| DDM | Upgrade | Upgrade |
See all valuation models for Development Credit Bank Limited with detailed assumptions →
Development Credit Bank Shareholding Pattern
At 16.2%, the promoter stake is up from 14.7% — a sign of insider confidence.
Foreign institutional investors (FIIs) held 12.6% as of March 2026, up from 11.7% a year ago.
Domestic investors held 32.8% of the company as of March 2026, up year-over-year from 31.8%.
| Quarter | Promoter | FII | DII | Public |
|---|---|---|---|---|
| Mar 2026 | 16.2% | 12.6% | 32.8% | 38.3% |
| Dec 2025 | 16.2% | 11.9% | 32.1% | 39.7% |
| Sep 2025 | 14.7% | 10.5% | 31.9% | 42.9% |
| Jun 2025 | 14.7% | 11.7% | 31.8% | 41.8% |
Track quarterly shareholding changes for Development Credit Bank Limited →
Development Credit Bank Balance Sheet
Proportional view as of 3 Jun 2026. Hover blocks for details.
Assets
Liabilities & Equity
FY2025 total assets: ₹768.10B (up 21.8% YoY from ₹630.37B).
Top categories: Loans & Advances (66.5%), Investments (26.2%), Other Assets (3.8%).
Of the ₹768.10B in liabilities and equity, 78.2% is Deposits, 11.9% is Borrowings, 7.4% is Equity, and 2.6% is Other Liabilities. Over the year, deposits are up 21.6% and equity is up 12.2%.
Balance sheet composition — FY 2025
| Category | Value |
|---|---|
| Cash | 26.99B |
| Loans & Advances | 510.47B |
| Investments | 201.50B |
| Other Assets | 29.14B |
| Category | Value |
|---|---|
| Equity | 56.91B |
| Deposits | 600.31B |
| Borrowings | 91.15B |
| Other Liabilities | 19.73B |
Development Credit Bank Key Highlights
To sum up Development Credit Bank Limited's financial position: the data paints a clear picture for investors evaluating this banks stock.
Revenue of ₹7,221 Cr in FY2025, up 23.7% year-over-year.
Long-term revenue has been compounding at 16.4% annually over 10 years.
The company is profitable, with a net margin of 8.5% and net income of ₹615 Cr.
The P/B Ratio model implies 18.3% downside to fair value from the current price. The remaining three models are worth cross-checking before drawing a conclusion — sign up to see the full analysis.
Unlock Full Analysis
See the full picture — Craytheon tracks 10 years of financial data with interactive charts, growth trends, and four valuation models for Development Credit Bank Limited.