Development Credit Bank Financial Statements

Development Credit Bank (DCBBANK) reported revenue of ₹82.60B in FY2026 with net income of ₹7.32B. Total assets stood at ₹880.69B. Net worth was ₹65.35B (₹6,535 Cr) and free cash flow was ₹65.49B.

Development Credit Bank Income Statement

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FY 2025 – FY 2026

Item	Chart	2025	2026
Op. Income Operating Income		64.71B	74.04B
Other Income		7.51B	8.55B
Total Income		72.21B	82.60B
Interest Exp. Interest Expenditure		43.64B	49.48B
Op. Expense Operating Expense		18.20B	20.16B
Provisions Provisions & Contingencies		4.22B	5.64B
Net Income		6.15B	7.32B
Dil. Shares Diluted Shares		315.73M	320.54M
Diluted EPS		19.49	22.82

Figures in ₹ — millions (M), billions (B), trillions (T). EPS is earnings per share.

Understanding the Income Statement

The income statement shows Development Credit Bank's revenue and expenses over a period. Revenue minus costs gives gross profit; after operating expenses, interest, and taxes, the remainder is net income. Diluted EPS divides net income by all shares that could exist if options and convertibles were exercised.

Development Credit Bank Balance Sheet

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FY 2025 – FY 2026

Item	Chart	2025	2026
Cash		25.07B	32.12B
Loans & adv. Loans & advances		510.47B	600.22B
Investments		201.50B	203.78B
Total assets		768.10B	880.69B
Borrowings		91.15B	60.86B
Deposits		600.31B	725.83B
Total liabilities		711.19B	815.34B
Total equity		56.91B	65.35B
Total liab. & eq. Total liabilities & equity		768.10B	880.69B

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding the Balance Sheet

The balance sheet captures Development Credit Bank's financial position at a point in time — what it owns (assets), what it owes (liabilities), and the residual value to shareholders (equity). Total assets always equals total liabilities plus equity.

Development Credit Bank Cash Flow Statement

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FY 2025 – FY 2026

Item	Chart	2025	2026
Net Income		6.15B	9.77B
Operating CF Cash flow Operating Activities		-4.41B	66.40B
Capex Investments in PPE		-1.36B	-904.28M
Investing CF Cash flow Investing Activities		-27.92B	-21.41B
Dividend Paid		-391.36M	-424.55M
Financing CF Cash flow Financing Activities		28.65B	-29.77B
Cash (start) Cash at beginning of period		30.66B	26.99B
Cash (end) Cash at end of period		26.99B	42.20B
FCF Free Cash Flow		-5.77B	65.49B

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding Cash Flow

The cash flow statement tracks how Development Credit Bank's cash moves through operations, investing, and financing activities. Free cash flow — operating cash minus capital expenditure — shows what is available to return to shareholders.

Data from audited consolidated filings. For educational purposes only — not investment advice. Last update: Mar-2026