About Us
A journey that started with a belief to Bank Different
Dhanlaxmi Bank Ltd. was incorporated in 1927 at Thrissur, Kerala by a group of ambitious and enterprising entrepreneurs. Over the 97 years that followed, Dhanlaxmi Bank with its rich heritage has earned the trust and goodwill of clients. It is due to our strong belief in the need to seek innovation, deliver best service and demonstrate responsibility, that we have grown from strength to strength. Be it in the number of customers, the scale of business, the breadth of our product offerings, the banking experience we offer or the trust that people invest in us. With 562 touch points (including 261 Branches, 284 ATMs, 17 BCs) across India at your service; our focus has always been on customizing services and personalizing relations.
Mission
To Become a Strong and Innovative Bank with Integrity and Social Responsibility to Maximize Customer Satisfaction as well as that of the Employees, Shareholders and the Society.
Vision
Banking on Relationships forever.
Achievements
- Recorded Net profit of Rs.66.64 Crore for the Financial Year ended 31st March 2025 against net profit of Rs 57.82 Crore for the period ended 31st March 2024.
- Total business reached to Rs.28219 Crore as on March 31, 2025, from Rs.24687 Crore as on March 31, 2024, registering growth of 14.31%.
- Deposits recorded a Y-o-Y growth of 7.03% to reach Rs.16013 Crore as on March 31, 2025 from Rs.14290 Crore as on March 31, 2024.
- As of March 31, 2025, the CASA share of the Bank stood at 29.02% of total deposits.
- Gross Advance recorded Y-o-Y growth of 17.40% to reach Rs.12206 Crore as on March 31, 2025 from Rs.10397 Crore as on March 31, 2024.
- Gold loan portfolio recorded Y-o-Y growth of 33.81% to reach Rs.3799 Crore as on March 31, 2025 from Rs.2839 Crore as on March 31, 2024.
- Recorded Operating Profit of Rs.95.10 Crore. for the financial year ended 31st March, 2025.
- Interest Income increased by Rs.112.89 Crore, from Rs. 1206.99 Crore as on March 31, 2024 to Rs.1319.88 Crore as on March 31, 2025, registering Y-o-Y growth of 9.35%.
- Non Interest Income increased by Rs.16.64 Crore, from Rs.152.56 Crore as on March 31, 2024 to Rs.169.20 Crore as on March 31, 2025, registering Y-o-Y growth of 10.91%.
- Total Income increased by Rs.129.53 Crore, from Rs 1359.55 Crore as on March 31, 2024 to Rs. 1489.08 Crore as on March 31, 2025, registering Y-o-Y growth of 9.53%.
- Gross NPA coming down by 107 bps on a Y-o-Y basis from 4.05% to 2.98%. Net NPA as on March 31, 2025 was 0.99%.
- Provision Coverage Ratio as on March 31, 2025 was 88.84%.
- Return on Assets and Return on Equity for the FY 2024-25 was 0.41% and 4.78% respectively.
- As on March 31, 2025, Bank’s overall Capital Adequacy stood at 16.12%.
Affiliations
Foreign Correspondent Banks
- The Bank of NewYork Mellon (Frankfurt) - Currency -Euro (EUR)
- The Bank of NewYork Mellon (London) - Currency - Pound Sterling(GBP)
- The Bank of New York Mellon (New York) - Currency - Us Dollars(USD)
- DBS Bank Limited - Currency Singapore Dollars (SGD)
- Mashreq Bank - Currency -UAE Dirhams (AED)
Insurance Partner
- Bajaj Allianz Life Insurance Company Limited Co. Ltd.
- Bajaj Allianz General Insurance Company Limited Co. Ltd.
- Canara HSBC Oriental Bank Of Commerce Life Insurance
- Company Limited (CHOICe)
- SBI General Insurance Co. Ltd
- SMC Global Securities Limited
