DBS Bank India reported robust financial growth in FY26, with net advances growing 15% to ₹62,172 crore and deposits registering 11% year-on-year growth to ₹92,117 crore. According to reports from Business Standard, the bank's profit after tax increased by 49% to ₹1,020 crore in FY26, reflecting significant improvement in overall profitability. The bank received ₹1,600 crore in capital infusion from its parent company in March 2026, which improved the capital adequacy ratio to 19.7% and is expected to further support balance-sheet growth.
As reported by Business Standard, DBS Bank India is positioning itself as a universal bank with a judicious approach to retail lending. MD & CEO Rajat Verma emphasized that while the bank is keen to invest and grow its retail lending business, it will be selective in product choices to achieve sufficient density and scale. The bank's retail lending products include loans against property and gold loans, with gold loans showing massive potential for financial inclusion and entrepreneurship. CASA deposits grew by 15.1% year-on-year in FY26, supported by competitive savings account interest rates of 5% for balances above ₹2 lakh and up to ₹50 lakh.
According to Business Standard reports, DBS Bank India demonstrated significant improvement in asset quality metrics during FY26. Gross NPA ratio declined to 1.34% in FY26 from 2.78% in FY25, while net NPA ratio improved to 0.23% from 0.28% in the previous year. The bank attributes this improvement to better risk management practices, early stress indicators, and an overall improved credit environment with stronger governance around risk management.
As reported by Business Standard, DBS Bank India has significantly expanded its SME business, more than doubling the SME asset book over the past three years from 2022-23 to FY26. The bank maintains a balanced loan portfolio with retail and SME segments contributing equally, while corporate lending remains larger. The bank has established relationships with large Indian companies and is working with mid-sized companies, positioning itself as a conduit for multinationals expanding into India. DBS leverages its international network and custodial business capabilities to serve institutions with cross-border operations.
According to Business Standard, DBS Bank India is investing heavily in wealth management with plans to open eight new DBS Treasures Centres and upgrade at least 30 existing branches in India over the next 18-24 months. The bank targets clients with ₹30-40 lakh and above in its traditional Treasures proposition and recently launched Aspire for clients with ₹10 lakh and above. Across Asia, DBS will launch 18 new wealth centres by 2027 and upgrade 36 existing wealth centres over the next 18 months, leveraging its strong regional wealth management franchise.
