Dhanlaxmi Bank Betting on Retail, MSME and Digital Push; Plans Expansion in cities of Tier 2 & 3

In his message to shareholders, MD & CEO Ajith Kumar KK said that the bank will also emphasize growth in Casa deposits, gold loans, product innovation and liability franchisebuilding, in addition to the expansion of branches and employee issue. | Photocredit:

Dhanlaxmi Bank is planning to perform its focus on Retail and MSME (Micro, Small and Medium Enterprise) to limit the impact of the delay of companies in business investments and to stimulate interest areas.

“Looking ahead, we will continue to concentrate on the expansion of our market share in Casa (current and savings accounts), shopping, msme and gold loans, product innovation and building a strong liability franchise … We are concentrating on improving productivity, investing more in technology and a leverage, said branches and CE, said, in the director, and CE, of the director, and CRE, and CP, said, and CRE, and CTAP, and CTAP, and CTAP, and CTAR, and CPE, and CRE, and CRE. shareholders.

Of the total advances of £ 12,482 crore from June-end 2025, retail front bulkheads accounted for 74 percent of the total and the balance was company pre-scoops.

Bank is planning more branches in Tier 2 and Tier 3 Cities

Kumar noted that in the coming two years the Thrissur headquarters are planning to add more branches in Tier 2 and Tier 3 locations, subject to approvals of the regulations. Currently it has 261 branches.

As part of its way Vooruitstrategy, the bank looks at more business relationships for a strong Casa ratio. Casa deposits accounted for 28.21 percent of the total deposits of £ 16,570 crore from June-end 2025 against 31.19 percent from June-end 2024.

Digital bank transactions rise

In her last annual report, the bank said it is looking for business growth via digital channels and the use of fintech opportunities. The share of digital bank transactions rose to 89.70 percent from June 2025, compared to 81.21 percent from June-end 2024.

“The focus on digital transformation has paid off with a remarkable increase in online transactions. Our digital transformation agenda remains as an important priority. Retail and MSME segments have driven credit growth. We can also ensure strict compliance with regulations with a robust -manager, said Kumar.

Published on September 8, 2025