DCB Bank receives a 'Buy' upgrade from Nirmal Bang with a projected 30% potential upside.DCB Bank maintains its loan growth guidance at 18-20%, surpassing the industry growth rate of 11%, driven mainly by the SME segment.Under the current management, DCB Bank adheres to its risk framework of secured lending, small ticket loans, and granular deposits.SME is identified as the key segment for DCB Bank, focusing on customers from semi-urban India with a monthly income of Rs 50,000.