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Dhanlaxmi Bank

Part of MojoOne Strategy
  • Market Cap: Small Cap
  • Industry: Bank - Private
  • ISIN: INE680A01011
  • NSEID: DHANBANK
  • BSEID: 532180
INR
28.49
0.49 (1.75%)
BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 2.73 lacs

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

28.4129.48

52 Week

22.0147.70
Valuation
Technical
Day's Volume

CASH

2.73 lacs (-51.54%) Volume

Shareholding (Dec 2024)

FII

6.95%

Held by 28 FIIs

DII

0.16%

Held by 4 DIIs

Promoter

0.00%

iScoreScore
Part of MojoOne Strategy
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy
Dashboard
1

Poor long term growth as Net profit has grown by an annual rate of -14.71%

 
2

Stock is technically in a Mildly Bearish range

3

With ROA of 0.3, it has a Very Expensive valuation with a 1 Price to Book Value

4

Underperformed the market in the last 1 year

stock-summaryMojo Parameters
Mojo Parameters
Loading Valuation Snapshot...
Stock DNA
stock-summary
Industry

Bank - Private

stock-summary
Market cap

INR 1,124 Cr (Small Cap)

stock-summary
Dividend Yield

0.00%

stock-summary
CAR

10.75%

stock-summary
Return on Assets

0.27%

stock-summary
Net NPA

0.86%

stock-summary
Gross NPA

3.53%

Revenue and Profits (1 Year):
Int. Earned:
334.59 Cr
(Quarterly Results - Dec 2024)
Net Profit:
20 Cr
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
Dividend Yield (0%)
TimePeriod
Price Return
Dividend Return
Total Return
6 Months
-20.2%
0%
-20.2%
1 Year
-38.93%
0%
-38.93%
2 Years
82.86%
0%
82.86%
3 Years
100.49%
0%
100.49%
4 Years
89.93%
0%
89.93%
5 Years
225.23%
0%
225.23%

Latest dividend: 0.5 per share ex-dividend date: Jun-10-2011

Risk Adjusted Returns v/s Sensex stock-summary
Returns Beta
Icon
Beta has not been calculated since enough price history is not available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Net Interest Income Growth (5y)
5.44%
Net Profit Growth (5y)
-14.71%
Advance to Deposit
65.26%
Capital Adequacy Ratio (Tier 1)
10.52%
Gross NPA (latest)
3.53%
Gross NPA (avg)
5.50%
Coverage Ratio (avg)
70.78%
Cost to Income (avg)
80.45%
Net Interest Margin (avg)
3.13%
Operating Profit to Assets (avg)
3.92%
ROA (avg)
0.31%
Valuation key factors
Factor
Value
P/E Ratio
27
Price to Book Value
1.03
PEG Ratio
NA
Dividend Yield
NA
ROE (Latest)
3.82%
ROA (Latest)
0.27%
Net NPA to Book Value
8.86
Tecnicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
Bullish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Dec 2024stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Non Institution

Pledged Promoter Holdings

None

Mutual Funds

Held by 0 Schemes

FIIs

Held by 28 FIIs (6.95%)

Promoter with highest holding

None

Highest Public shareholder

B Ravindran Pillai (10%)

Individual Investors Holdings

53.17%

stock-summaryFinancial
[
  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Standalone) - Dec'24 - YoY",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "YoY Growth in quarter ended Dec 2024 is 8.73% vs 11.39% in Dec 2023",
        "dir": -1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "YoY Growth in quarter ended Dec 2024 is 550.82% vs -85.96% in Dec 2023",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 334.59,
          "val2": 307.72,
          "chgp": "8.73%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "26.58",
          "val2": "22.31",
          "chgp": "19.14%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "0.86%",
          "val2": "1.27%",
          "chgp": "-0.41%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "3.53%",
          "val2": "4.81%",
          "chgp": "-1.28%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "19.85",
          "val2": "3.05",
          "chgp": "550.82%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "half-yearly",
    "btn_text": "All Half Yearly Results",
    "header": "Half Yearly Results Snapshot (Standalone) - Sep'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": " Growth in half year ended Sep 2024 is 7.02% vs 13.86% in Sep 2023",
        "dir": -1
      },
      {
        "prefix": "Net Profit ",
        "suffix": " Growth in half year ended Sep 2024 is -65.39% vs 588.24% in Sep 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Sep'24",
        "Sep'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 634.67,
          "val2": 593.04,
          "chgp": "7.02%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "29.84",
          "val2": "75.54",
          "chgp": "-60.50%",
          "chgp_class": "negative"
        },
        {
          "field": "% of Net NPAs",
          "val1": "1.12%",
          "val2": "1.29%",
          "chgp": "-0.17%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "3.82%",
          "val2": "5.36%",
          "chgp": "-1.54%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "17.81",
          "val2": "51.46",
          "chgp": "-65.39%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "nine-monthly",
    "btn_text": "All Nine Monthly Results",
    "header": "Nine Monthly Results Snapshot (Standalone) - Dec'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 7.6% vs 13.0% in Dec 2023",
        "dir": -1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is -30.91% vs 387.13% in Dec 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 969.26,
          "val2": 900.76,
          "chgp": "7.6%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "56.42",
          "val2": "97.85",
          "chgp": "-42.34%",
          "chgp_class": "negative"
        },
        {
          "field": "% of Net NPAs",
          "val1": "0.86%",
          "val2": "1.27%",
          "chgp": "-0.41%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "3.53%",
          "val2": "4.81%",
          "chgp": "-1.28%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "37.66",
          "val2": "54.51",
          "chgp": "-30.91%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Standalone) - Mar'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "YoY Growth in year ended Mar 2024 is 12.67% vs 16.86% in Mar 2023",
        "dir": -1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "YoY Growth in year ended Mar 2024 is 17.14% vs 37.49% in Mar 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Mar'24",
        "Mar'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 1206.99,
          "val2": 1071.23,
          "chgp": "12.67%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "69.26",
          "val2": "123.20",
          "chgp": "-43.78%",
          "chgp_class": "negative"
        },
        {
          "field": "% of Net NPAs",
          "val1": "1.25%",
          "val2": "1.16%",
          "chgp": "0.09%",
          "chgp_class": "negative"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "4.05%",
          "val2": "5.19%",
          "chgp": "-1.14%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "57.82",
          "val2": "49.36",
          "chgp": "17.14%",
          "chgp_class": "positive"
        }
      ]
    }
  }
]
Quarterly Results Snapshot (Standalone) - Dec'24 - YoYstock-summary
Dec'24
Dec'23
Change(%)
Interest Earned
334.59
307.72
8.73%
Operating Profit (PBDIT)
26.58
22.31
19.14%
% of Net NPAs
0.86%
1.27%
-0.41%
% of Gross NPAs
3.53%
4.81%
-1.28%
Exceptional Items
0.00
0.00
Net Profit
19.85
3.05
550.82%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

YoY Growth in quarter ended Dec 2024 is 8.73% vs 11.39% in Dec 2023

Direction Arrows
Net Profit

YoY Growth in quarter ended Dec 2024 is 550.82% vs -85.96% in Dec 2023

All Quarterly Resultsstock-summary
Half Yearly Results Snapshot (Standalone) - Sep'24stock-summary
Sep'24
Sep'23
Change(%)
Interest Earned
634.67
593.04
7.02%
Operating Profit (PBDIT)
29.84
75.54
-60.50%
% of Net NPAs
1.12%
1.29%
-0.17%
% of Gross NPAs
3.82%
5.36%
-1.54%
Exceptional Items
0.00
0.00
Net Profit
17.81
51.46
-65.39%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

Growth in half year ended Sep 2024 is 7.02% vs 13.86% in Sep 2023

Direction Arrows
Net Profit

Growth in half year ended Sep 2024 is -65.39% vs 588.24% in Sep 2023

All Half Yearly Resultsstock-summary
Nine Monthly Results Snapshot (Standalone) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Interest Earned
969.26
900.76
7.6%
Operating Profit (PBDIT)
56.42
97.85
-42.34%
% of Net NPAs
0.86%
1.27%
-0.41%
% of Gross NPAs
3.53%
4.81%
-1.28%
Exceptional Items
0.00
0.00
Net Profit
37.66
54.51
-30.91%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

YoY Growth in nine months ended Dec 2024 is 7.6% vs 13.0% in Dec 2023

Direction Arrows
Net Profit

YoY Growth in nine months ended Dec 2024 is -30.91% vs 387.13% in Dec 2023

All Nine Monthly Resultsstock-summary
Annual Results Snapshot (Standalone) - Mar'24stock-summary
Mar'24
Mar'23
Change(%)
Interest Earned
1206.99
1071.23
12.67%
Operating Profit (PBDIT)
69.26
123.20
-43.78%
% of Net NPAs
1.25%
1.16%
0.09%
% of Gross NPAs
4.05%
5.19%
-1.14%
Exceptional Items
0.00
0.00
Net Profit
57.82
49.36
17.14%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

YoY Growth in year ended Mar 2024 is 12.67% vs 16.86% in Mar 2023

Direction Arrows
Net Profit

YoY Growth in year ended Mar 2024 is 17.14% vs 37.49% in Mar 2023

All Annual Resultsstock-summary
stock-summaryCompany CV
About Dhanlaxmi Bank Ltd stock-summary
stock-summary
Dhanlaxmi Bank Ltd
Small Cap
Bank - Private
Dhanlaxmi Bank Limited was incorporated on November 16, 1927 by a Group of Enterprising Entrepreneurs (GEE) at Thrissur. It became a Scheduled Commercial Bank in 1977. Between 1927 to 1937, its services were localised in Thrissur. In 1937, it extended its service to Ernakulam and Palghat by opening branches there. By 1947, DBL's deposits generated stood at Rs 31 lac. In 1962, it took over three banks -- Lakshmi Prasad Bank, Radhakrishna Bank and Parli Bank.
Company Coordinates stock-summary
Company Details
PB NO 9 Dhanalakshmi Buildings, Naickanal Thrissur Kerala : 680001
stock-summary
Tel: 91-487-2335177/04/31/90/6617000
stock-summary
http://www.dhanbank.com
stock-summary
investors@dhanbank.co.in/share@dhan
Registrar Details
Karvy Computershare Pvt Ltd., Karvy Selenium, Tower-B Plot No 31 & 32, Survey No 116/22, 115/24, 115/25, Financial District, Nanakramguda, Serilingampally, Mandal Ranga Reddy Dist, Hyderabad
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