About DCB Bank Limited

DCB Bank Limited is a scheduled commercial bank incorporated on May 31, 1995. The Bank operates across India with 464 branches and 435 ATMs, serving entrepreneurs, individuals and businesses through a network that spans 20 States and 2 Union Territories. It has no subsidiaries.

DCB Bank’s offerings cover retail and business banking products, with a strategic emphasis on MSME/SME and the self-employed segment. Key lending products include mortgages and micro-mortgages (home loans and loans against property), construction finance, gold loans, tractor loans and agri credit such as Kisan Credit Card; on the liability side, the Bank provides savings and fixed deposit products including DCB WOW Savings Account and other tailored programmes for specific customer segments. It also distributes life, health and general insurance and mutual funds, and offers NRI services and trade services such as electronic bank guarantees.

Digital banking is a core strength: customers can access DCB Mobile Banking, Internet Banking and Business Banking; products like DCB Zippi Fixed Deposit, DCB EazyBee (mutual funds) and DCB Remit support 24×7 self-service. During FY 2025, the Bank partnered with NPST to launch an Online Dispute Resolution platform and deepened cybersecurity through an ISO 27001-certified ISMS, a 24×7 SOC, behavioural biometrics and a strategic partnership with CyberArk . The Bank also opened a technology innovation centre in Bengaluru to incubate new ideas and support fintech collaboration.

Key milestones in FY 2025 included crossing an annual Operating Profit of Rs 1,000 crore and sustaining robust growth in advances and deposits. As of March 31, 2025, the overall capital adequacy ratio was 16.77% .

DCB Bank Limited Key Management

• Farokh N. Subedar – Non-Executive Part-time Chairman and Independent Director
• Praveen Achuthan Kutty – Managing Director & Chief Executive Officer (w.e.f. April 29, 2024)
• Krishnan Sridhar Seshadri – Whole Time Director (w.e.f. June 13, 2024)
• Ravi Kumar Vadlamani – Chief Financial Officer
• Rubi Chaturvedi – Company Secretary
• Murali Mohan Rao Manduva – Chief Technology Officer

Latest Updates on DCB Bank Limited

• Leadership: RBI-approved appointment of Praveen Achuthan Kutty as MD & CEO from April 29, 2024; appointment of Krishnan Sridhar Seshadri as Whole Time Director from June 13, 2024. The transition followed the conclusion of the prior MD & CEO’s term on April 28, 2024.
• Capital and funding: Issued and allotted 9.20% Non-Convertible, Listed, Rated, Unsecured, Subordinated, Taxable, Redeemable, cumulative Basel III compliant Tier 2 bonds (Series I) aggregating Rs 400 crore on November 18, 2024. Members at the 29th AGM also approved enabling resolutions for bond issuances, a Qualified Institutional Placement up to Rs 500 crore, and borrowings up to Rs 8,000 crore.
• Technology and products: Launched Payless Secured Credit Card; introduced DCB WOW Savings Account; enabled UPI registration for international mobile numbers; went live with Electronic Bank Guarantee (eBG) on the Trade Zone platform; advanced automation with an NPST ODR platform and strengthened cybersecurity via CyberArk and behavioural biometrics.
• Network and growth: Pan-India presence with 464 branches and 435 ATMs; advances grew 24.7% and total deposits 21.6% in FY 2025.
• Ratings: CRISIL reaffirmed AA–/Stable for Tier II Bonds and A1+ for certificates of deposit and short-term fixed deposits; CARE Ratings assigned AA–/Stable for Tier II Bonds and A1+ for short-term instruments.