Dhanlaxmi Bank Ltd Stock Price Today (NSE: DHANBANK)
Fundamental Score
Dhanlaxmi Bank Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Dhanlaxmi Bank Ltd share price today is ₹19.64, down 2.91% on NSE/BSE as of 30 March 2026. Dhanlaxmi Bank Ltd (DHANBANK) is a Small-cap company in the Private Sector Bank sector with a market capitalisation of ₹1.06K (Cr). The 52-week high for DHANBANK share price is ₹33.50 and the 52-week low is ₹20.73. At a P/E ratio of 12.55x, DHANBANK is currently trading below its industry average P/E of 15.23x. The company has a Return on Equity (ROE) of 5.48% and a debt-to-equity ratio of 12.39.
Dhanlaxmi Bank Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Dhanlaxmi Bank Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Dhanlaxmi Bank Share Price: A Conservative Investor's Perspective
Private sector banks, while offering growth potential, demand meticulous evaluation due to their inherent reliance on public trust and prudent risk management. This analysis examines the financial health of Dhanlaxmi Bank, particularly concerning the Dhanlaxmi Bank share price, currently at ₹24.059999. We approach this with a conservative value investing mindset, prioritizing capital safety and sustainable returns. The bank's current PE ratio stands at 12.55, a seemingly attractive figure that warrants further scrutiny to understand its underlying drivers and potential risks.
A critical aspect of evaluating any bank is its Return on Capital Employed (ROCE). Dhanlaxmi Bank's ROCE of 5.47% is a point of concern. ROCE measures how efficiently a company generates profits from its capital. A lower ROCE, in this case, 5.47%, signifies a less efficient use of capital. This impacts the bank's "moat," which represents its competitive advantage. A weaker ROCE means the bank has less capacity to reinvest in growth, innovate, and defend its market share, making it more vulnerable to competition. A sustainably high ROCE is usually associated with companies that have pricing power or other durable advantages, which, at this point, is not obvious for Dhanlaxmi Bank.
Management quality is paramount in the banking sector. Considering a peer like
IndusInd Bank Ltd, whose management has historically demonstrated a consistent track record of growth and stability, a comparison becomes pertinent. While IndusInd Bank has shown strength in navigating challenging economic cycles, observationally, Dhanlaxmi Bank has faced periods of operational instability, which impacts investor confidence and overall valuation. The historical decisions and strategic direction of Dhanlaxmi Bank's leadership are crucial factors that influence its long-term prospects.Ultimately, a conservative value investor must weigh the seemingly low PE ratio against the relatively low ROCE and perceived management risks. Further in-depth analysis is required to determine if the current Dhanlaxmi Bank share price offers adequate margin of safety, especially considering the potential for future economic headwinds. This preliminary assessment is part of a more comprehensive 80-parameter fundamental audit, verified by Sweta Mishra, to identify any red flags and assess the overall investment suitability. This analysis is observational and does not constitute financial advice.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Dhanlaxmi Bank Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of DHANBANK across key market metrics for learning purposes.
Positive Indicators
4 factors identified
Strong Operating Margins (55.25%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Strong Revenue Growth (16.66%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential.
Strong Cash Generation (₹126.77 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
9 factors identified
Below-Average Return on Equity (5.48%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (5.47%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Profit Decline Concern (-10.11%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes.
Weak Earnings Growth (0.19% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation.
Stagnant Profit Growth (0.19% CAGR)
Observation: Limited 5-year profit growth trajectory.
Analysis: Low profit growth may indicate scalability challenges or market maturity.
Elevated Debt Levels (D/E: 12.39)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.09x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Low Promoter Commitment (0.00%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
Dhanlaxmi Bank Ltd Financial Statements
Comprehensive financial data for Dhanlaxmi Bank Ltd including income statement, balance sheet and cash flow
About DHANBANK (Dhanlaxmi Bank Ltd)
Dhanlaxmi Bank Ltd is a private sector bank steeped in tradition yet striving to adapt to the modern financial landscape of India. With a history spanning nearly a century, DHANBAN...K, as it's often known, blends the legacy of its origins with a forward-thinking approach to serving its diverse customer base. The bank operates through a network of branches and digital channels, aiming to provide accessible and convenient banking solutions. Beyond the standard offerings, Dhanlaxmi Bank positions itself as a partner in its customers' financial journeys, emphasizing personalized service and building lasting relationships. It navigates the competitive banking sector by focusing on niche markets and fostering a culture of innovation within its ranks. The core of Dhanlaxmi Bank's operations lies in its commitment to providing a comprehensive suite of financial services. These range from basic deposit accounts designed for everyday transactions and long-term savings, to a variety of loan products catering to both individual and business needs. Whether it's financing a dream home, supporting entrepreneurial ventures, or facilitating personal investments, DHANBANK strives to offer solutions that empower its customers to achieve their financial goals. The bank recognizes the evolving needs of its clientele and is actively investing in technology to enhance its digital banking platforms, ensuring seamless access to services and information. Furthermore, Dhanlaxmi Bank understands its role in the broader economic ecosystem. The bank endeavors to maintain high standards of corporate governance and ethical conduct, while embracing sustainable banking practices. By fostering financial inclusion and supporting local communities, DHANBANK seeks to contribute to the overall well-being of the nation. It's a bank that not only focuses on financial performance but also on making a positive impact on society. Dhanlaxmi Bank strives to be a trusted financial partner, dedicated to building a secure and prosperous future for its customers and the communities it serves.
Company Details
Key Leadership
Corporate Events
DHANBANK Share Price: Frequently Asked Questions
What is the current share price of Dhanlaxmi Bank Ltd (DHANBANK)?
As of 30 Mar 2026, 12:07 pm IST, Dhanlaxmi Bank Ltd share price is ₹19.64. The DHANBANK stock has a market capitalisation of ₹1.06K (Cr) on NSE/BSE.
Is DHANBANK share price Overvalued or Undervalued?
DHANBANK share price is currently trading at a P/E ratio of 12.55x, compared to the industry average of 15.23x. Based on this relative valuation, the Dhanlaxmi Bank Ltd stock appears to be Undervalued against its sector peers.
What is the 52-week high and low of DHANBANK share price?
The 52-week high of DHANBANK share price is ₹33.50 and the 52-week low is ₹20.73. These values are updated daily from NSE/BSE price data.
What factors affect the Dhanlaxmi Bank Ltd share price?
Key factors influencing DHANBANK share price include quarterly earnings growth (Sales Growth: 16.66%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Dhanlaxmi Bank Ltd a good stock for long-term investment?
Dhanlaxmi Bank Ltd shows a 5-year Profit Growth of 0.19% and an ROE of 5.48%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 12.39 before investing in DHANBANK shares.
How does Dhanlaxmi Bank Ltd compare with its industry peers?
Dhanlaxmi Bank Ltd competes with major peers in the Private Sector Bank. Investors should compare DHANBANK share price P/E of 12.55x and ROE of 5.48% against the industry averages to determine competitive standing.
What is the P/E ratio of DHANBANK and what does it mean?
DHANBANK share price has a P/E ratio of 12.55x compared to the industry average of 15.23x. Investors pay ₹13 for every ₹1 of annual earnings.
How is DHANBANK performing according to Bull Run's analysis?
DHANBANK has a Bull Run fundamental score of 20.5/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does DHANBANK belong to?
DHANBANK operates in the Private Sector Bank industry. This classification helps understand the competitive landscape and sector-specific trends affecting Dhanlaxmi Bank Ltd share price.
What is Return on Equity (ROE) and why is it important for DHANBANK?
DHANBANK has an ROE of 5.48%, which suggests challenges in generating returns from shareholders equity. ROE measures how efficiently Dhanlaxmi Bank Ltd generates profits from shareholders capital.
How is DHANBANK debt-to-equity ratio and what does it indicate?
DHANBANK has a debt-to-equity ratio of 12.39, which indicates high leverage that increases financial risk.
What is DHANBANK dividend yield and is it a good dividend stock?
DHANBANK offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in Dhanlaxmi Bank Ltd shares.
How has DHANBANK share price grown over the past 5 years?
DHANBANK has achieved 5-year growth rates of: Sales Growth 5.97%, Profit Growth 0.19%, and EPS Growth 0.19%.
What is the promoter holding in DHANBANK and why does it matter?
Promoters hold 0.00% of DHANBANK shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in Dhanlaxmi Bank Ltd.
What is DHANBANK market capitalisation category?
DHANBANK has a market capitalisation of ₹1057 crores, placing it in the Small-cap category.
How volatile is DHANBANK stock?
DHANBANK has a beta of N/A. A beta > 1 suggests the Dhanlaxmi Bank Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is DHANBANK operating profit margin trend?
DHANBANK has a 5-year average Operating Profit Margin (OPM) of 55.25%, indicating the company's operational efficiency.
How is DHANBANK quarterly performance?
Recent quarterly performance shows Dhanlaxmi Bank Ltd YoY Sales Growth of 16.66% and YoY Profit Growth of -10.11%.
What is the institutional holding pattern in DHANBANK?
DHANBANK has FII holding of 15.27% and DII holding of 0.05%. Significant institutional holding often suggests professional confidence in the Dhanlaxmi Bank Ltd stock.