RBL Bank Ltd.

•

rbl.bank.inBSE: 540065NSE: RBLBANK

Market Cap₹ 64,643 Cr.

Current Price

High / Low₹ 420 / 262

Stock P/E73.8

Book Value₹ 275

Price to Book1.09

Dividend Yield0.24 %

ROCE6.3 %

ROE5.2 %

Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Other Retail Banking: 48.0% • Treasury: 29.3% • Corporate/Wholesale Banking: 21.8%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Promoters have been increasing their shareholding - up 60.0pp over 2 years
Asset quality is healthy - gross NPA of just 1.4%
Latest quarter profit grew 1166.4% YoY, showing strong momentum
Strong provisioning - provision coverage ratio of 94.9%
Healthy loan book growth of 23.3% with stable asset quality
Healthy net interest margin of 3.8%

CONS

A large part of profit comes from other income (396.5% of PBT)
Weak return ratios for a lender: 3Y avg ROA 0.6%
Valuation is stretched - P/E of 73.8 is well above its own 5-year median (15.2)
Though reporting repeated profits, the company pays out little dividend (7.5%)
Growth is decelerating - 3Y profit CAGR (-2.3%) trails the 5Y trend (10.1%)
Company's return on assets is weak at 0.5%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesBankBank - Private

Part ofNIFTY ALPHA 50 NIFTY500MOMENTM50 NIFTY PVT BANK NIFTY TOTAL MKT NIFTY SMLCAP 50

S.No.	Name
1.	HDFCBANK	687.25	13.41	1059339.46	2.26	203826.90	1092.64	905753.30	936.66	12.81	35.64
2.	ICICIBANK	1390.10	17.79	997793.42	0.86	16209.74	12.62	52240.85	6.44	16.51	32.39
3.	KOTAKBANK	414.40	20.31	412230.87	0.16	5487.06	23.89	18354.57	6.41	12.05	19.05
4.	AXISBANK	1239.50	13.89	385909.17	0.08	7656.51	22.31	35541.96	9.87	11.04	63.88
5.	IDBI	81.63	9.42	87771.86	0.00	2130.57	5.27	7549.28	7.44	14.76	76.80
6.	FEDERALBNK	344.85	18.21	85260.58	0.35	1297.61	37.06	7861.58	9.94	10.98	66.11
7.	AUBANK	1061.00	43.70	79680.01	0.09	7959.53	1270.31	53027.42	1111.10	14.17	56.24
8.	INDUSINDBK	1002.00	59.04	78069.88	0.15	1037.02	71.68	11309.94	-7.78	4.97	55.07
9.	IDFCFIRSTB	86.00	32.17	74146.70	0.29	1147.82	153.12	11051.09	14.61	5.42	38.45
10.	YESBANK	22.43	18.65	70403.95	0.00	1071.81	32.53	8054.49	5.92	8.04	58.47
11.	RBLBANK	416.80	71.90	64643.15	0.24	2342.30	993.41	38402.40	1015.97	6.49	40.95
12.	KARURVYSYA	340.45	11.99	32911.76	0.76	755.70	44.92	3049.42	18.72	23.62	71.82

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	2,856	3,008	3,191	3,339	3,496	3,531	3,536	3,476	3,441	3,507	3,667	3,720	38,402
Interest Expended	1,434	1,533	1,646	1,739	1,796	1,916	1,951	1,913	1,960	1,957	2,010	2,049	21,858
Net Interest Income	1,422	1,475	1,546	1,600	1,700	1,615	1,585	1,563	1,481	1,551	1,657	1,671	16,544
	685	704	778	875	805	927	1,073	1,000	1,069	933	1,050	1,069	9,594
Total Income	0	0	0	0	4,272	4,459	4,610	4,478	4,513	4,442	4,718	4,791	47,997
Operating Expenses	1,460	1,448	1,558	1,588	1,646	1,632	1,662	1,702	1,847	1,755	1,795	1,785	16,911
Operating Profit	647	731	765	887	859	910	997	861	703	728	912	955	9,228
Provisions & Contingencies	266	640	458	414	366	618	1,189	785	442	500	639	678	5,993
Profit before Tax	381	91	307	473	493	292	-192	76	261	229	273	277	3,235
Tax %	24.44%	-224.48%	24.10%	25.48%	24.61%	23.68%	116.97%	9.66%	23.14%	21.94%	21.70%	17.09%	21.58%
Net Profit	288	294	233	353	372	223	33	69	200	179	214	230	2,537
EPS	5	5	4	6	6	4	1	1	3	3	3	4	3

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	0	0	0	0	0	0	0	12,394	14,039	14,336	—
Interest Expended	2,492	2,741	3,761	4,885	4,541	4,149	4,678	6,351	7,576	7,976	27,874
Net Interest Income	-2,492	-2,741	-3,761	-4,885	-4,541	-4,149	-4,678	6,043	6,463	6,360	—
	755	1,068	1,442	1,910	1,884	2,341	2,489	3,043	3,806	4,121	12,646
Total Income	0	0	0	0	0	0	0	15,437	17,845	18,457	61,948
	0	0	0	0	0	0	0	6,055	6,642	7,182	—
Operating Profit	-2,492	-2,741	-3,761	-4,885	-4,541	-4,149	-4,678	3,031	3,627	3,299	—
	233	342	577	1,952	2,227	2,852	968	1,778	2,959	2,260	—
Profit before Tax	681	967	1,299	753	689	-115	1,180	1,252	668	1,040	4,014
Tax %	0.00%	0.00%	0.00%	0.00%	0.00%	-0.00%	0.00%	6.74%	-4.08%	20.88%	21.30%
Net Profit	446	635	867	506	508	-75	883	1,168	695	822	3,159
EPS	12	15	20	11	9	-1	15	19	11	13	—

COMPOUNDED SALES GROWTH

10 Years:: 18%
5 Years:: 11%
3 Years:: 14%

COMPOUNDED PROFIT GROWTH

10 Years:: 11%
5 Years:: 10%
3 Years:: -2%

STOCK PRICE CAGR

10 Years:: 3%
5 Years:: 19%
3 Years:: 21%
1 Year:: 51%

RETURN ON EQUITY

10 Years:: 7%
5 Years:: 5%
3 Years:: 6%
Last Year:: 5%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
LIABILITIES	-	-	-	-	-	-	-	-	-	-
Equity Capital	375	420	427	509	598	600	600	605	608	618
	3,960	6,264	7,121	10,074	12,064	12,008	12,902	14,074	14,829	15,812
	34,588	43,902	58,394	57,812	73,121	79,007	84,887	1,03,494	1,10,944	1,39,018
	7,980	9,261	11,832	17,007	11,226	11,093	13,331	14,184	13,734	16,794
Other Liabilities & Provisions	1,771	2,003	2,585	3,576	3,641	3,491	4,082	5,958	6,441	8,268
Total Liabilities	48,675	61,851	80,359	88,978	1,00,651	1,06,209	1,15,876	14	1,46,725	1,80,685
ASSETS	-	-	-	-	-	-	-	-	-	-
	2,948	2,589	4,840	6,415	6,705	13,111	6,238	12,071	10,965	14,012
Balances with Banks & Money at Call	1,246	1,695	1,763	2,442	6,720	4,437	2,282	2,346	1,595	9,053
	13,482	15,447	16,840	18,150	23,230	22,274	28,875	29,576	32,165	32,078
	29,449	40,268	54,308	58,019	58,623	60,022	70,209	83,987	92,618	1,14,232
	224	303	363	408	442	467	529	525	570	545
	1,292	1,517	2,206	3,482	4,907	5,817	7,697	9,921	8,806	10,744
Total Assets	48,675	61,851	80,359	88,978	1,00,651	1,06,209	1,15,876	14	1,46,725	1,80,685

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	3,434	-2,528	-31	-5,084	7,597	6,449	-11,044	4,935	-842	7,611
Cash from Investing	-142	-162	-190	-206	-157	-246	-223	-172	-263	-223
Cash from Financing	-1,656	2,995	2,567	7,698	-4,207	-114	2,239	842	-503	3,159
	1,635	305	2,345	2,408	3,233	6,090	-9,028	5,605	-1,608	10,547

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
PER SHARE
EPS (₹)	11.89	15.13	20.32	9.94	8.49	-1.25	14.72	19.30	11.44	13.31
Book Value (₹)	115.53	159.25	176.85	208.01	211.72	210.29	225.18	242.57	253.94	265.80
Dividend per Share (₹)	1.80	2.10	2.70	1.50	0.00	0.00	1.50	1.50	1.00	1.00
PROFITABILITY
Net Interest Margin %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	4.72%	4.71%	3.75%
ROA %	1.02%	1.15%	1.22%	0.60%	0.54%	-0.07%	0.79%	0.92%	0.49%	0.50%
ROE %	12.18%	11.53%	12.19%	5.58%	4.37%	-0.59%	6.76%	8.29%	4.62%	5.16%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	66.64%	64.68%	68.52%
ASSET QUALITY
Gross NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	2.78%
Net NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.45%
Provision Coverage %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	94.18%
Slippage Ratio %	—	—	—	—	—	—	—	—	—	—
BALANCE SHEET & LIQUIDITY
CASA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	35.22%	34.15%	33.61%
Credit-Deposit Ratio %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.14%	0.12%	0.12%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	16.18%	15.54%	14.25%
GROWTH & VALUATION
Net Profit Growth %	52.50%	42.38%	36.51%	-41.67%	0.42%	-114.72%	1281.13%	32.31%	-40.46%	18.27%
Book Value Growth %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	7.72%	4.69%	4.67%
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	12.43x	15.20x	21.78x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.99x	0.68x	1.09x
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.63%	0.58%	0.34%

Shareholding Pattern

Numbers in percentages

Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	60.00
28.47	14.63	13.39	14.43	17.56	15.49	21.91	20.23	8.77
20.28	26.61	17.65	20.77	34.35	35.26	39.68	42.94	16.92
0.06	0.06	0.05	0.05	0.03	0.03	0.00	0.02	0.01
50.84	58.34	68.53	64.39	47.69	48.87	38.06	36.46	14.17

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-10

Strikes/Lockouts/Disturbances

2026-09-10 - RBL Bank Limited has informed the Exchange about strikes/lockouts/disturbances

2026-09-09

General Updates

2026-09-09 - RBL Bank Limited has informed the Exchange that the Bank has approved the pricing, tenure and other terms of the senior notes to be issued under the EMTN Programme.

2026-09-08

Credit Rating

2026-09-08 - RBL Bank Limited has informed the Exchange about Credit Rating

2026-09-08

Credit Rating

2026-09-08 - RBL Bank Limited has informed the Exchange about Credit Rating

2026-09-08

General Updates

2026-09-08 - RBL Bank Limited has informed the Exchange that the Bank has established its US $1,000,000,000 (USD one billion) Euro Medium Term Note Programme and submitted the offering circular.

2026-09-08

General Updates

2026-09-08 - RBL Bank Limited has informed the Exchange that the Bank has established its US $1,000,000,000 (USD one billion) Euro Medium Term Note Programme and submitted the offering circular.

2026-09-07

Outcome of Board Meeting

2026-09-07 - RBL Bank Limited has informed the Exchange regarding Outcome of Board Meeting held on September 07, 2026.

2026-09-03

General Updates

2026-09-03 - RBL Bank Limited has informed the Exchange about intimation under SEBI Listing Regulations.

2026-09-03

Investor Presentation

2026-09-03 - RBL Bank Limited has informed the Exchange about Investor Presentation

News

Recent coverage and analyst commentary for RBLBANK

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Free 5nance Account

Name

HDFCBANK

687.25

13.41

1059339.46

2.26

203826.90

1092.64

905753.30

936.66

12.81

35.64

ICICIBANK

1390.10

17.79

997793.42

0.86

16209.74

12.62

52240.85

6.44

16.51

32.39

KOTAKBANK

414.40

20.31

412230.87

0.16

5487.06

23.89

18354.57

6.41

12.05

19.05

AXISBANK

1239.50

13.89

385909.17

0.08

7656.51

22.31

35541.96

9.87

11.04

63.88

IDBI

81.63

9.42

87771.86

0.00

2130.57

5.27

7549.28

7.44

14.76

76.80

FEDERALBNK

344.85

18.21

85260.58

0.35

1297.61

37.06

7861.58

9.94

10.98

66.11

AUBANK

1061.00

43.70

79680.01

0.09

7959.53

1270.31

53027.42

1111.10

14.17

56.24

INDUSINDBK

1002.00

59.04

78069.88

0.15

1037.02

71.68

11309.94

-7.78

4.97

55.07

IDFCFIRSTB

86.00

32.17

74146.70

0.29

1147.82

153.12

11051.09

14.61

5.42

38.45

YESBANK

22.43

18.65

70403.95

0.00

1071.81

32.53

8054.49

5.92

8.04

58.47

RBLBANK

416.80

71.90

64643.15

0.24

2342.30

993.41

38402.40

1015.97

6.49

40.95

KARURVYSYA

340.45

11.99

32911.76

0.76

755.70

44.92

3049.42

18.72

23.62

71.82

Jun 2023

Sep 2023

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

2,856

3,008

3,191

3,339

3,496

3,531

3,536

3,476

3,441

3,507

3,667

3,720

38,402

Interest Expended

1,434

1,533

1,646

1,739

1,796

1,916

1,951

1,913

1,960

1,957

2,010

2,049

21,858

Net Interest Income

1,422

1,475

1,546

1,600

1,700

1,615

1,585

1,563

1,481

1,551

1,657

1,671

16,544

685

704

778

875

805

927

1,073

1,000

1,069

933

1,050

1,069

9,594

Total Income

4,272

4,459

4,610

4,478

4,513

4,442

4,718

4,791

47,997

Operating Expenses

1,460

1,448

1,558

1,588

1,646

1,632

1,662

1,702

1,847

1,755

1,795

1,785

16,911

Operating Profit

647

731

765

887

859

910

997

861

703

728

912

955

9,228

Provisions & Contingencies

266

640

458

414

366

618

1,189

785

442

500

639

678

5,993

Profit before Tax

381

307

473

493

292

-192

261

229

273

277

3,235

Tax %

24.44%

-224.48%

24.10%

25.48%

24.61%

23.68%

116.97%

9.66%

23.14%

21.94%

21.70%

17.09%

21.58%

Net Profit

288

294

233

353

372

223

200

179

214

230

2,537

EPS

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

12,394

14,039

14,336

—

Interest Expended

2,492

2,741

3,761

4,885

4,541

4,149

4,678

6,351

7,576

7,976

27,874

Net Interest Income

-2,492

-2,741

-3,761

-4,885

-4,541

-4,149

-4,678

6,043

6,463

6,360

—

755

1,068

1,442

1,910

1,884

2,341

2,489

3,043

3,806

4,121

12,646

Total Income

15,437

17,845

18,457

61,948

6,055

6,642

7,182

—

Operating Profit

-2,492

-2,741

-3,761

-4,885

-4,541

-4,149

-4,678

3,031

3,627

3,299

—

233

342

577

1,952

2,227

2,852

968

1,778

2,959

2,260

—

Profit before Tax

681

967

1,299

753

689

-115

1,180

1,252

668

1,040

4,014

Tax %

0.00%

-0.00%

0.00%

6.74%

-4.08%

20.88%

21.30%

Net Profit

446

635

867

506

508

-75

883

1,168

695

822

3,159

EPS

-1

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

LIABILITIES

Equity Capital

375

420

427

509

598

600

605

608

618

3,960

6,264

7,121

10,074

12,064

12,008

12,902

14,074

14,829

15,812

34,588

43,902

58,394

57,812

73,121

79,007

84,887

1,03,494

1,10,944

1,39,018

7,980

9,261

11,832

17,007

11,226

11,093

13,331

14,184

13,734

16,794

Other Liabilities & Provisions

1,771

2,003

2,585

3,576

3,641

3,491

4,082

5,958

6,441

8,268

Total Liabilities

48,675

61,851

80,359

88,978

1,00,651

1,06,209

1,15,876

1,46,725

1,80,685

ASSETS

2,948

2,589

4,840

6,415

6,705

13,111

6,238

12,071

10,965

14,012

Balances with Banks & Money at Call

1,246

1,695

1,763

2,442

6,720

4,437

2,282

2,346

1,595

9,053

13,482

15,447

16,840

18,150

23,230

22,274

28,875

29,576

32,165

32,078

29,449

40,268

54,308

58,019

58,623

60,022

70,209

83,987

92,618

1,14,232

224

303

363

408

442

467

529

525

570

545

1,292

1,517

2,206

3,482

4,907

5,817

7,697

9,921

8,806

10,744

Total Assets

48,675

61,851

80,359

88,978

1,00,651

1,06,209

1,15,876

1,46,725

1,80,685

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

3,434

-2,528

-31

-5,084

7,597

6,449

-11,044

4,935

-842

7,611

Cash from Investing

-142

-162

-190

-206

-157

-246

-223

-172

-263

-223

Cash from Financing

-1,656

2,995

2,567

7,698

-4,207

-114

2,239

842

-503

3,159

1,635

305

2,345

2,408

3,233

6,090

-9,028

5,605

-1,608

10,547

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

PER SHARE

EPS (₹)

11.89

15.13

20.32

9.94

8.49

-1.25

14.72

19.30

11.44

13.31

Book Value (₹)

115.53

159.25

176.85

208.01

211.72

210.29

225.18

242.57

253.94

265.80

Dividend per Share (₹)

1.80

2.10

2.70

1.50

0.00

1.50

1.00

PROFITABILITY

Net Interest Margin %

0.00%

4.72%

4.71%

3.75%

ROA %

1.02%

1.15%

1.22%

0.60%

0.54%

-0.07%

0.79%

0.92%

0.49%

0.50%

ROE %

12.18%

11.53%

12.19%

5.58%

4.37%

-0.59%

6.76%

8.29%

4.62%

5.16%

0.00%

66.64%

64.68%

68.52%

ASSET QUALITY

Gross NPA %

0.00%

2.78%

Net NPA %

0.00%

0.45%

Provision Coverage %

0.00%

94.18%

Slippage Ratio %

—

BALANCE SHEET & LIQUIDITY

CASA %

0.00%

35.22%

34.15%

33.61%

Credit-Deposit Ratio %

0.00%

0.14%

0.12%

0.00%

16.18%

15.54%

14.25%

GROWTH & VALUATION

Net Profit Growth %

52.50%

42.38%

36.51%

-41.67%

0.42%

-114.72%

1281.13%

32.31%

-40.46%

18.27%

Book Value Growth %

0.00%

7.72%

4.69%

4.67%

P/E (x)

0.00x

12.43x

15.20x

21.78x

P/B (x)

0.00x

0.99x

0.68x

1.09x

0.00%

0.63%

0.58%

0.34%

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

0.00

60.00

28.47

14.63

13.39

14.43

17.56

15.49

21.91

20.23

8.77

20.28

26.61

17.65

20.77

34.35

35.26

39.68

42.94

16.92

0.06

0.05

0.03

0.00

0.02

0.01

50.84

58.34

68.53

64.39

47.69

48.87

38.06

36.46

14.17

RBL Bank Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

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RBL Bank Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI