DCB Bank Management Guidance Tracker

Management reiterated guidance of 18-20% annual loan growth, supported by strong demand in business loans and improving mortgage pipeline.

Co-lending book will be capped at 15% of total assets and will grow at the same rate as the overall loan book (18-20%) from next year.

Net addition of ~1,500 employees, primarily in liability and distribution roles.

Medium-term ROE targets remain unchanged, with confidence in achieving them through margin expansion, fee growth, and cost control.

Deposit repricing benefits expected to flow until late Q2 or early Q3, supporting NIM.

Management reiterated guidance of credit cost below 45 bps for FY27, with current run-rate at 40 bps.

Bank plans to add branches to reach approximately 500 branches, while continuing to improve efficiency through digitization.

Bank plans to raise equity (likely ~$100M) to support growth, with enabling resolution for ₹1,500 cr.