RBL Bank Ltd.

•

₹ 392.50.05%

2026-08-21

rbl.bank.inBSE: 540065NSE: RBLBANK

Market Cap₹ 59,059 Cr.

Current Price₹ 392

High / Low₹ 393 / 243

Stock P/E65.7

Book Value₹ 276

Price to Book1.08

Dividend Yield0.26 %

ROCE6.5 %

ROE5.5 %

Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Other Retail Banking-Retail Banking: 48.0% • Treasury Operations: 29.3% • Corporate / Wholesale Banking: 21.8% • Other Banking Operations: 0.9%

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 993.4% YoY, showing strong momentum
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 (373.2% of PBT)
Weak return ratios for a lender: 3Y avg ROA 0.7%
Valuation is stretched - P/E of 65.7 is well above its own 5-year median (14.7)
Though reporting repeated profits, the company pays out little dividend (7.0%)
Growth is decelerating - 3Y profit CAGR (-1.5%) trails the 5Y trend (10.7%)
Company's return on assets is weak at 0.5%

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

Peer comparison

EDIT COLUMNS

Financial ServicesBankBank - Private

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name	CMP Rs.	P/E	Mar Cap Rs.Cr.	Div Yld %	NP Qtr Rs.Cr.	Qtr Profit Var %	Sales Qtr Rs.Cr.	Qtr Sales Var %	ROCE %	OPM %
1.	HDFCBANK	720.15	14.05	1109831.87	2.15	203826.90	1092.64	905753.30	936.66	12.81	35.64
2.	ICICIBANK	1401.80	17.94	1006008.51	0.86	16209.74	12.62	52240.85	6.44	16.51	32.39
3.	KOTAKBANK	392.05	19.21	389986.67	0.17	5487.06	23.89	18354.57	6.41	12.05	19.05
4.	AXISBANK	1232.35	13.81	383618.90	0.08	7656.51	22.31	35541.96	9.87	11.04	63.88
5.	FEDERALBNK	359.45	18.97	88849.29	0.33	1297.61	37.06	7861.58	9.94	10.98	66.11
6.	IDBI	80.72	9.31	86793.39	0.00	2130.57	5.27	7549.28	7.44	14.76	76.80
7.	AUBANK	1071.30	44.12	80340.09	0.09	7959.53	1270.31	53027.42	1111.10	14.17	56.24
8.	INDUSINDBK	1011.95	59.63	78845.13	0.15	1037.02	71.68	11309.94	-7.78	4.97	55.07
9.	IDFCFIRSTB	85.20	31.87	73452.79	0.29	1147.82	153.12	11051.09	14.61	5.42	38.45
10.	YESBANK	22.71	18.88	71281.66	0.00	1071.81	32.53	8054.49	5.92	8.04	58.47
11.	RBLBANK	381.00	65.69	59059.12	0.26	2342.30	993.41	38402.40	1015.97	6.49	40.95
12.	KARURVYSYA	331.20	0.00	32017.55	0.79	755.70	44.92	3049.42	18.72	23.62	71.82

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	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
	2,855	3,008	3,191	3,339	3,497	3,531	3,537	3,477	3,441	3,508	3,667	3,721	38,402
Interest Expended	1,434	1,533	1,645	1,739	1,796	1,916	1,951	1,913	1,960	1,956	2,009	2,049	21,850
Net Interest Income	1,422	1,475	1,547	1,600	1,701	1,615	1,585	1,564	1,481	1,552	1,658	1,672	16,552
	694	713	777	876	775	928	1,074	1,001	1,071	934	1,052	1,070	9,220
Total Income	0	0	0	0	4,272	4,459	4,610	4,478	4,513	4,442	4,718	4,791	47,623
Operating Expenses	0	0	0	0	16,341	16,202	16,477	16,868	18,324	17,404	17,808	17,701	16,683
Operating Profit	0	0	0	0	8,417	9,228	10,114	8,785	7,198	7,449	9,285	9,724	9,090
Provisions & Contingencies	0	0	0	0	3,663	6,183	11,889	7,851	4,423	4,997	6,393	6,783	5,993
Profit before Tax	418	125	320	486	475	304	-177	93	277	245	289	294	3,097
Tax %	23.61%	-164.82%	23.37%	25.00%	26.16%	23.91%	126.67%	6.79%	22.80%	21.50%	21.19%	16.90%	24.37%
Net Profit	0	0	0	0	351	232	47	87	214	192	228	244	2,342
EPS	5	6	4	6	6	4	1	1	4	3	4	4	3
Gross NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Net NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Provision Coverage %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
NIM %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
CASA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Capital Adequacy %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Assets %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Branches / ATMs / Employees	—	—	—	—	—	—	—	—	—	—	—	—	—
Gross NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Net NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Provision Coverage %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
NIM %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
CASA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Capital Adequacy %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Assets %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Branches / ATMs / Employees	—	—	—	—	—	—	—	—	—	—	—	—	—

Jun 2023

: 2,855
Interest Expended: 1,434
Net Interest Income: 1,422
: 694
Total Income: 0
Operating Expenses: 0
Operating Profit: 0
Provisions & Contingencies: 0
Profit before Tax: 418
Tax %: 23.61%
Net Profit: 0
EPS: 5
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Sep 2023

: 3,008
Interest Expended: 1,533
Net Interest Income: 1,475
: 713
Total Income: 0
Operating Expenses: 0
Operating Profit: 0
Provisions & Contingencies: 0
Profit before Tax: 125
Tax %: -164.82%
Net Profit: 0
EPS: 6
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Dec 2023

: 3,191
Interest Expended: 1,645
Net Interest Income: 1,547
: 777
Total Income: 0
Operating Expenses: 0
Operating Profit: 0
Provisions & Contingencies: 0
Profit before Tax: 320
Tax %: 23.37%
Net Profit: 0
EPS: 4
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Mar 2024

: 3,339
Interest Expended: 1,739
Net Interest Income: 1,600
: 876
Total Income: 0
Operating Expenses: 0
Operating Profit: 0
Provisions & Contingencies: 0
Profit before Tax: 486
Tax %: 25.00%
Net Profit: 0
EPS: 6
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Jun 2024

: 3,497
Interest Expended: 1,796
Net Interest Income: 1,701
: 775
Total Income: 4,272
Operating Expenses: 16,341
Operating Profit: 8,417
Provisions & Contingencies: 3,663
Profit before Tax: 475
Tax %: 26.16%
Net Profit: 351
EPS: 6
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Sep 2024

: 3,531
Interest Expended: 1,916
Net Interest Income: 1,615
: 928
Total Income: 4,459
Operating Expenses: 16,202
Operating Profit: 9,228
Provisions & Contingencies: 6,183
Profit before Tax: 304
Tax %: 23.91%
Net Profit: 232
EPS: 4
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Dec 2024

: 3,537
Interest Expended: 1,951
Net Interest Income: 1,585
: 1,074
Total Income: 4,610
Operating Expenses: 16,477
Operating Profit: 10,114
Provisions & Contingencies: 11,889
Profit before Tax: -177
Tax %: 126.67%
Net Profit: 47
EPS: 1
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Mar 2025

: 3,477
Interest Expended: 1,913
Net Interest Income: 1,564
: 1,001
Total Income: 4,478
Operating Expenses: 16,868
Operating Profit: 8,785
Provisions & Contingencies: 7,851
Profit before Tax: 93
Tax %: 6.79%
Net Profit: 87
EPS: 1
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Jun 2025

: 3,441
Interest Expended: 1,960
Net Interest Income: 1,481
: 1,071
Total Income: 4,513
Operating Expenses: 18,324
Operating Profit: 7,198
Provisions & Contingencies: 4,423
Profit before Tax: 277
Tax %: 22.80%
Net Profit: 214
EPS: 4
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Sep 2025

: 3,508
Interest Expended: 1,956
Net Interest Income: 1,552
: 934
Total Income: 4,442
Operating Expenses: 17,404
Operating Profit: 7,449
Provisions & Contingencies: 4,997
Profit before Tax: 245
Tax %: 21.50%
Net Profit: 192
EPS: 3
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Dec 2025

: 3,667
Interest Expended: 2,009
Net Interest Income: 1,658
: 1,052
Total Income: 4,718
Operating Expenses: 17,808
Operating Profit: 9,285
Provisions & Contingencies: 6,393
Profit before Tax: 289
Tax %: 21.19%
Net Profit: 228
EPS: 4
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Mar 2026

: 3,721
Interest Expended: 2,049
Net Interest Income: 1,672
: 1,070
Total Income: 4,791
Operating Expenses: 17,701
Operating Profit: 9,724
Provisions & Contingencies: 6,783
Profit before Tax: 294
Tax %: 16.90%
Net Profit: 244
EPS: 4
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Jun 2026

: 38,402
Interest Expended: 21,850
Net Interest Income: 16,552
: 9,220
Total Income: 47,623
Operating Expenses: 16,683
Operating Profit: 9,090
Provisions & Contingencies: 5,993
Profit before Tax: 3,097
Tax %: 24.37%
Net Profit: 2,342
EPS: 3
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	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	14,041	14,337	—
Interest Expended	2,492	2,741	3,761	4,885	4,539	4,148	4,679	6,350	7,576	7,975	27,864
Net Interest Income	-2,492	-2,741	-3,761	-4,885	-4,539	-4,148	-4,679	6,044	6,465	6,362	—
	755	1,069	1,441	1,918	1,875	2,352	2,507	3,060	3,778	4,127	12,276
Total Income	0	0	0	0	0	0	0	15,454	17,819	18,464	61,574
	0	0	0	0	0	0	0	5,977	6,589	7,124	—
Operating Profit	-2,492	-2,741	-3,761	-4,885	-4,539	-4,148	-4,679	3,127	3,654	3,366	—
	233	300	577	1,952	2,227	2,852	968	1,778	2,959	2,260	—
Profit before Tax	681	974	1,298	747	712	-207	1,221	1,349	696	1,106	3,926
Tax %	0	0	0	0	0	0	0	7	-3	21	23
Net Profit	446	639	861	500	529	-166	920	1,260	717	879	3,007
EPS	12	15	20	11	10	-3	15	21	12	14	—
NIM %	—	—	—	—	—	—	—	—	—	—	—
Cost-to-Income %	—	—	—	—	—	—	—	—	—	—	—
Credit Cost %	—	—	—	—	—	—	—	—	—	—	—
NIM %	—	—	—	—	—	—	—	—	—	—	—
Cost-to-Income %	—	—	—	—	—	—	—	—	—	—	—
Credit Cost %	—	—	—	—	—	—	—	—	—	—	—

Mar 2017

: 0
Interest Expended: 2,492
Net Interest Income: -2,492
: 755
Total Income: 0
: 0
Operating Profit: -2,492
: 233
Profit before Tax: 681
Tax %: 0
Net Profit: 446
EPS: 12
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2018

: 0
Interest Expended: 2,741
Net Interest Income: -2,741
: 1,069
Total Income: 0
: 0
Operating Profit: -2,741
: 300
Profit before Tax: 974
Tax %: 0
Net Profit: 639
EPS: 15
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2019

: 0
Interest Expended: 3,761
Net Interest Income: -3,761
: 1,441
Total Income: 0
: 0
Operating Profit: -3,761
: 577
Profit before Tax: 1,298
Tax %: 0
Net Profit: 861
EPS: 20
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2020

: 0
Interest Expended: 4,885
Net Interest Income: -4,885
: 1,918
Total Income: 0
: 0
Operating Profit: -4,885
: 1,952
Profit before Tax: 747
Tax %: 0
Net Profit: 500
EPS: 11
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2021

: 0
Interest Expended: 4,539
Net Interest Income: -4,539
: 1,875
Total Income: 0
: 0
Operating Profit: -4,539
: 2,227
Profit before Tax: 712
Tax %: 0
Net Profit: 529
EPS: 10
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2022

: 0
Interest Expended: 4,148
Net Interest Income: -4,148
: 2,352
Total Income: 0
: 0
Operating Profit: -4,148
: 2,852
Profit before Tax: -207
Tax %: 0
Net Profit: -166
EPS: -3
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2023

: 0
Interest Expended: 4,679
Net Interest Income: -4,679
: 2,507
Total Income: 0
: 0
Operating Profit: -4,679
: 968
Profit before Tax: 1,221
Tax %: 0
Net Profit: 920
EPS: 15
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2024

: 12,394
Interest Expended: 6,350
Net Interest Income: 6,044
: 3,060
Total Income: 15,454
: 5,977
Operating Profit: 3,127
: 1,778
Profit before Tax: 1,349
Tax %: 7
Net Profit: 1,260
EPS: 21
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2025

: 14,041
Interest Expended: 7,576
Net Interest Income: 6,465
: 3,778
Total Income: 17,819
: 6,589
Operating Profit: 3,654
: 2,959
Profit before Tax: 696
Tax %: -3
Net Profit: 717
EPS: 12
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2026

: 14,337
Interest Expended: 7,975
Net Interest Income: 6,362
: 4,127
Total Income: 18,464
: 7,124
Operating Profit: 3,366
: 2,260
Profit before Tax: 1,106
Tax %: 21
Net Profit: 879
EPS: 14
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

TTM

: —
Interest Expended: 27,864
Net Interest Income: —
: 12,276
Total Income: 61,574
: —
Operating Profit: —
: —
Profit before Tax: 3,926
Tax %: 23
Net Profit: 3,007
EPS: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

COMPOUNDED SALES GROWTH

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

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: 11%
3 Years:: -1%

STOCK PRICE CAGR

10 Years:: —
5 Years:: 19%
3 Years:: 22%
1 Year:: 53%

RETURN ON EQUITY

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

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	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
	3,961	6,261	7,108	10,056	12,068	11,920	12,851	14,115	14,892	15,931
	34,588	43,883	58,358	57,812	73,055	79,006	84,875	1,03,470	1,10,933	1,38,959
	7,980	9,261	11,832	17,007	11,226	11,098	13,332	14,185	13,735	16,796
Other Liabilities & Provisions	1,771	2,033	2,673	3,600	3,672	3,528	4,074	5,961	6,435	8,267
Total Liabilities	48,676	61,877	80,398	88,983	1,00,619	1,06,163	1,15,806	14	1,46,772	1,80,747
ASSETS	-	-	-	-	-	-	-	-	-	-
	2,948	2,589	4,840	6,416	6,705	13,111	6,238	12,071	10,965	14,012
Balances with Banks & Money at Call	1,246	1,721	1,809	2,443	6,738	4,446	2,289	2,353	1,602	9,054
	13,482	15,397	16,745	18,055	23,085	22,129	28,730	29,478	32,103	32,059
	29,449	40,268	54,308	58,006	58,623	60,005	70,186	83,987	92,618	1,14,232
	224	308	376	430	511	538	594	591	638	602
	1,292	1,563	2,280	3,572	4,932	5,853	7,723	9,967	8,840	10,768
Total Assets	48,676	61,877	80,398	88,983	1,00,619	1,06,163	1,15,806	14	1,46,772	1,80,747
CASA Deposits	3,849	5,339	8,245	9,607	13,510	16,357	16,922	18,056	19,958	20,801
CASA Ratio (%)	11.13	12.17	14.13	16.62	18.49	20.70	19.94	17.45	17.99	14.97
Credit-Deposit Ratio (%)	85.14	91.76	93.06	100.33	80.24	75.95	82.69	81.17	83.49	82.21
Contingent Liabilities	41,904	51,396	61,303	73,658	59,091	65,306	70,112	93,226	1,08,394	1,40,829
Bills for Collection	0	0	0	0	0	0	0	3,987	3,817	4,677
Book Value per Share	115.55	159.16	176.55	207.66	211.78	208.83	224.33	243.25	254.97	267.73
CASA Deposits	3,849	5,339	8,245	9,607	13,510	16,357	16,922	18,056	19,958	20,801
CASA Ratio (%)	11.13	12.17	14.13	16.62	18.49	20.70	19.94	17.45	17.99	14.97
Credit-Deposit Ratio (%)	85.14	91.76	93.06	100.33	80.24	75.95	82.69	81.17	83.49	82.21
Contingent Liabilities	41,904	51,396	61,303	73,658	59,091	65,306	70,112	93,226	1,08,394	1,40,829
Bills for Collection	0	0	0	0	0	0	0	3,987	3,817	4,677
Book Value per Share	115.55	159.16	176.55	207.66	211.78	208.83	224.33	243.25	254.97	267.73

Mar 2017

Equity Capital: 375
: 3,961
: 34,588
: 7,980
Other Liabilities & Provisions: 1,771
Total Liabilities: 48,676
: 2,948
Balances with Banks & Money at Call: 1,246
: 13,482
: 29,449
: 224
: 1,292
Total Assets: 48,676
CASA Deposits: 3,849
CASA Ratio (%): 11.13
Credit-Deposit Ratio (%): 85.14
Contingent Liabilities: 41,904
Bills for Collection: 0
Book Value per Share: 115.55
CASA Deposits: 3,849
CASA Ratio (%): 11.13
Credit-Deposit Ratio (%): 85.14
Contingent Liabilities: 41,904
Bills for Collection: 0
Book Value per Share: 115.55

Mar 2018

Equity Capital: 420
: 6,261
: 43,883
: 9,261
Other Liabilities & Provisions: 2,033
Total Liabilities: 61,877
: 2,589
Balances with Banks & Money at Call: 1,721
: 15,397
: 40,268
: 308
: 1,563
Total Assets: 61,877
CASA Deposits: 5,339
CASA Ratio (%): 12.17
Credit-Deposit Ratio (%): 91.76
Contingent Liabilities: 51,396
Bills for Collection: 0
Book Value per Share: 159.16
CASA Deposits: 5,339
CASA Ratio (%): 12.17
Credit-Deposit Ratio (%): 91.76
Contingent Liabilities: 51,396
Bills for Collection: 0
Book Value per Share: 159.16

Mar 2019

Equity Capital: 427
: 7,108
: 58,358
: 11,832
Other Liabilities & Provisions: 2,673
Total Liabilities: 80,398
: 4,840
Balances with Banks & Money at Call: 1,809
: 16,745
: 54,308
: 376
: 2,280
Total Assets: 80,398
CASA Deposits: 8,245
CASA Ratio (%): 14.13
Credit-Deposit Ratio (%): 93.06
Contingent Liabilities: 61,303
Bills for Collection: 0
Book Value per Share: 176.55
CASA Deposits: 8,245
CASA Ratio (%): 14.13
Credit-Deposit Ratio (%): 93.06
Contingent Liabilities: 61,303
Bills for Collection: 0
Book Value per Share: 176.55

Mar 2020

Equity Capital: 509
: 10,056
: 57,812
: 17,007
Other Liabilities & Provisions: 3,600
Total Liabilities: 88,983
: 6,416
Balances with Banks & Money at Call: 2,443
: 18,055
: 58,006
: 430
: 3,572
Total Assets: 88,983
CASA Deposits: 9,607
CASA Ratio (%): 16.62
Credit-Deposit Ratio (%): 100.33
Contingent Liabilities: 73,658
Bills for Collection: 0
Book Value per Share: 207.66
CASA Deposits: 9,607
CASA Ratio (%): 16.62
Credit-Deposit Ratio (%): 100.33
Contingent Liabilities: 73,658
Bills for Collection: 0
Book Value per Share: 207.66

Mar 2021

Equity Capital: 598
: 12,068
: 73,055
: 11,226
Other Liabilities & Provisions: 3,672
Total Liabilities: 1,00,619
: 6,705
Balances with Banks & Money at Call: 6,738
: 23,085
: 58,623
: 511
: 4,932
Total Assets: 1,00,619
CASA Deposits: 13,510
CASA Ratio (%): 18.49
Credit-Deposit Ratio (%): 80.24
Contingent Liabilities: 59,091
Bills for Collection: 0
Book Value per Share: 211.78
CASA Deposits: 13,510
CASA Ratio (%): 18.49
Credit-Deposit Ratio (%): 80.24
Contingent Liabilities: 59,091
Bills for Collection: 0
Book Value per Share: 211.78

Mar 2022

Equity Capital: 600
: 11,920
: 79,006
: 11,098
Other Liabilities & Provisions: 3,528
Total Liabilities: 1,06,163
: 13,111
Balances with Banks & Money at Call: 4,446
: 22,129
: 60,005
: 538
: 5,853
Total Assets: 1,06,163
CASA Deposits: 16,357
CASA Ratio (%): 20.70
Credit-Deposit Ratio (%): 75.95
Contingent Liabilities: 65,306
Bills for Collection: 0
Book Value per Share: 208.83
CASA Deposits: 16,357
CASA Ratio (%): 20.70
Credit-Deposit Ratio (%): 75.95
Contingent Liabilities: 65,306
Bills for Collection: 0
Book Value per Share: 208.83

Mar 2023

Equity Capital: 600
: 12,851
: 84,875
: 13,332
Other Liabilities & Provisions: 4,074
Total Liabilities: 1,15,806
: 6,238
Balances with Banks & Money at Call: 2,289
: 28,730
: 70,186
: 594
: 7,723
Total Assets: 1,15,806
CASA Deposits: 16,922
CASA Ratio (%): 19.94
Credit-Deposit Ratio (%): 82.69
Contingent Liabilities: 70,112
Bills for Collection: 0
Book Value per Share: 224.33
CASA Deposits: 16,922
CASA Ratio (%): 19.94
Credit-Deposit Ratio (%): 82.69
Contingent Liabilities: 70,112
Bills for Collection: 0
Book Value per Share: 224.33

Mar 2024

Equity Capital: 605
: 14,115
: 1,03,470
: 14,185
Other Liabilities & Provisions: 5,961
Total Liabilities: 14
: 12,071
Balances with Banks & Money at Call: 2,353
: 29,478
: 83,987
: 591
: 9,967
Total Assets: 14
CASA Deposits: 18,056
CASA Ratio (%): 17.45
Credit-Deposit Ratio (%): 81.17
Contingent Liabilities: 93,226
Bills for Collection: 3,987
Book Value per Share: 243.25
CASA Deposits: 18,056
CASA Ratio (%): 17.45
Credit-Deposit Ratio (%): 81.17
Contingent Liabilities: 93,226
Bills for Collection: 3,987
Book Value per Share: 243.25

Mar 2025

Equity Capital: 608
: 14,892
: 1,10,933
: 13,735
Other Liabilities & Provisions: 6,435
Total Liabilities: 1,46,772
: 10,965
Balances with Banks & Money at Call: 1,602
: 32,103
: 92,618
: 638
: 8,840
Total Assets: 1,46,772
CASA Deposits: 19,958
CASA Ratio (%): 17.99
Credit-Deposit Ratio (%): 83.49
Contingent Liabilities: 1,08,394
Bills for Collection: 3,817
Book Value per Share: 254.97
CASA Deposits: 19,958
CASA Ratio (%): 17.99
Credit-Deposit Ratio (%): 83.49
Contingent Liabilities: 1,08,394
Bills for Collection: 3,817
Book Value per Share: 254.97

Mar 2026

Equity Capital: 618
: 15,931
: 1,38,959
: 16,796
Other Liabilities & Provisions: 8,267
Total Liabilities: 1,80,747
: 14,012
Balances with Banks & Money at Call: 9,054
: 32,059
: 1,14,232
: 602
: 10,768
Total Assets: 1,80,747
CASA Deposits: 20,801
CASA Ratio (%): 14.97
Credit-Deposit Ratio (%): 82.21
Contingent Liabilities: 1,40,829
Bills for Collection: 4,677
Book Value per Share: 267.73
CASA Deposits: 20,801
CASA Ratio (%): 14.97
Credit-Deposit Ratio (%): 82.21
Contingent Liabilities: 1,40,829
Bills for Collection: 4,677
Book Value per Share: 267.73

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	3,434	-2,556	78	-5,173	7,631	6,449	-11,031	4,955	-824	7,612
Cash from Investing	-142	-165	-202	-223	-174	-264	-234	-193	-281	-225
Cash from Financing	-1,656	2,994	2,567	7,698	-4,207	-109	2,235	843	-503	3,160
	1,635	273	2,443	2,302	3,251	6,076	-9,030	5,604	-1,608	10,547

Mar 2017

: 3,434
Cash from Investing: -142
Cash from Financing: -1,656
: 1,635

Mar 2018

: -2,556
Cash from Investing: -165
Cash from Financing: 2,994
: 273

Mar 2019

: 78
Cash from Investing: -202
Cash from Financing: 2,567
: 2,443

Mar 2020

: -5,173
Cash from Investing: -223
Cash from Financing: 7,698
: 2,302

Mar 2021

: 7,631
Cash from Investing: -174
Cash from Financing: -4,207
: 3,251

Mar 2022

: 6,449
Cash from Investing: -264
Cash from Financing: -109
: 6,076

Mar 2023

: -11,031
Cash from Investing: -234
Cash from Financing: 2,235
: -9,030

Mar 2024

: 4,955
Cash from Investing: -193
Cash from Financing: 843
: 5,604

Mar 2025

: -824
Cash from Investing: -281
Cash from Financing: -503
: -1,608

Mar 2026

: 7,612
Cash from Investing: -225
Cash from Financing: 3,160
: 10,547

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
PER SHARE	-	-	-	-	-	-	-	-	-	-
EPS (₹)	11.91	15.05	20.10	9.83	8.85	-2.77	15.34	20.82	11.80	14.22
Book Value (₹)	115.55	159.16	176.55	207.66	211.78	208.83	224.33	243.25	254.97	267.73
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%	4.73%	4.71%	3.76%
ROA %	0.92%	1.16%	1.21%	0.59%	0.56%	-0.16%	0.83%	0.99%	0.50%	0.54%
ROE %	10.29%	11.61%	12.12%	5.53%	4.56%	-1.32%	7.08%	8.95%	4.75%	5.49%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	65.65%	64.32%	67.91%
ASSET QUALITY	-	-	-	-	-	-	-	-	-	-
Gross NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Net NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Provision Coverage %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Slippage Ratio %	—	—	—	—	—	—	—	—	—	—
BALANCE SHEET & LIQUIDITY	-	-	-	-	-	-	-	-	-	-
CASA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	35.21%	34.14%	33.62%
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%	0.00%	0.00%	0.00%
GROWTH & VALUATION	-	-	-	-	-	-	-	-	-	-
Net Profit Growth %	0.00%	43.30%	34.76%	-41.93%	5.85%	-131.38%	653.45%	37.01%	-43.09%	22.59%
Book Value Growth %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	8.44%	4.82%	5.00%
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	11.52x	14.74x	20.38x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.99x	0.68x	1.08x
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.63%	0.58%	0.34%

Mar 2017

EPS (₹): 11.91
Book Value (₹): 115.55
Dividend per Share (₹): 1.80
Net Interest Margin %: 0.00%
ROA %: 0.92%
ROE %: 10.29%
: 0.00%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 0.00%
Credit-Deposit Ratio %: 0.00%
: 0.00%
Net Profit Growth %: 0.00%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2018

EPS (₹): 15.05
Book Value (₹): 159.16
Dividend per Share (₹): 2.10
Net Interest Margin %: 0.00%
ROA %: 1.16%
ROE %: 11.61%
: 0.00%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 0.00%
Credit-Deposit Ratio %: 0.00%
: 0.00%
Net Profit Growth %: 43.30%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2019

EPS (₹): 20.10
Book Value (₹): 176.55
Dividend per Share (₹): 2.70
Net Interest Margin %: 0.00%
ROA %: 1.21%
ROE %: 12.12%
: 0.00%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 0.00%
Credit-Deposit Ratio %: 0.00%
: 0.00%
Net Profit Growth %: 34.76%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2020

EPS (₹): 9.83
Book Value (₹): 207.66
Dividend per Share (₹): 1.50
Net Interest Margin %: 0.00%
ROA %: 0.59%
ROE %: 5.53%
: 0.00%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 0.00%
Credit-Deposit Ratio %: 0.00%
: 0.00%
Net Profit Growth %: -41.93%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2021

EPS (₹): 8.85
Book Value (₹): 211.78
Dividend per Share (₹): 0.00
Net Interest Margin %: 0.00%
ROA %: 0.56%
ROE %: 4.56%
: 0.00%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 0.00%
Credit-Deposit Ratio %: 0.00%
: 0.00%
Net Profit Growth %: 5.85%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2022

EPS (₹): -2.77
Book Value (₹): 208.83
Dividend per Share (₹): 0.00
Net Interest Margin %: 0.00%
ROA %: -0.16%
ROE %: -1.32%
: 0.00%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 0.00%
Credit-Deposit Ratio %: 0.00%
: 0.00%
Net Profit Growth %: -131.38%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2023

EPS (₹): 15.34
Book Value (₹): 224.33
Dividend per Share (₹): 1.50
Net Interest Margin %: 0.00%
ROA %: 0.83%
ROE %: 7.08%
: 0.00%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 0.00%
Credit-Deposit Ratio %: 0.00%
: 0.00%
Net Profit Growth %: 653.45%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2024

EPS (₹): 20.82
Book Value (₹): 243.25
Dividend per Share (₹): 1.50
Net Interest Margin %: 4.73%
ROA %: 0.99%
ROE %: 8.95%
: 65.65%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 35.21%
Credit-Deposit Ratio %: 0.14%
: 0.00%
Net Profit Growth %: 37.01%
Book Value Growth %: 8.44%
P/E (x): 11.52x
P/B (x): 0.99x
: 0.63%

Mar 2025

EPS (₹): 11.80
Book Value (₹): 254.97
Dividend per Share (₹): 1.00
Net Interest Margin %: 4.71%
ROA %: 0.50%
ROE %: 4.75%
: 64.32%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 34.14%
Credit-Deposit Ratio %: 0.12%
: 0.00%
Net Profit Growth %: -43.09%
Book Value Growth %: 4.82%
P/E (x): 14.74x
P/B (x): 0.68x
: 0.58%

Mar 2026

EPS (₹): 14.22
Book Value (₹): 267.73
Dividend per Share (₹): 1.00
Net Interest Margin %: 3.76%
ROA %: 0.54%
ROE %: 5.49%
: 67.91%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 33.62%
Credit-Deposit Ratio %: 0.12%
: 0.00%
Net Profit Growth %: 22.59%
Book Value Growth %: 5.00%
P/E (x): 20.38x
P/B (x): 1.08x
: 0.34%

Shareholding Pattern

Numbers in percentages

TRADES

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

Jun 2024

: 0.00
: 28.47
: 20.28
: 0.06
: 50.84

Sep 2024

: 0.00
: 14.63
: 26.61
: 0.06
: 58.34

Dec 2024

: 0.00
: 13.39
: 17.65
: 0.05
: 68.53

Mar 2025

: 0.00
: 14.43
: 20.77
: 0.05
: 64.39

Jun 2025

: 0.00
: 17.56
: 34.35
: 0.03
: 47.69

Sep 2025

: 0.00
: 15.49
: 35.26
: 0.03
: 48.87

Dec 2025

: 0.00
: 21.91
: 39.68
: 0.00
: 38.06

Mar 2026

: 0.00
: 20.23
: 42.94
: 0.02
: 36.46

Jun 2026

: 60.00
: 8.77
: 16.92
: 0.01
: 14.17

Documents

Announcements

Analysts/Institutional Investor Meet/Con. Call Updates
2026-08-19 - RBL Bank Limited has informed the Exchange about Schedule of meet
Analysts/Institutional Investor Meet/Con. Call Updates
2026-08-19 - RBL Bank Limited has informed the Exchange about Schedule of meet

Annual Reports

Nothing filed yet.

Credit Ratings

Credit Rating- New
2026-07-30 - RBL Bank Limited has informed the Exchange about Credit Rating.
Credit Rating- New
2026-07-14 - RBL Bank Limited has informed the Exchange about Credit Rating- New
Credit Rating- New
2026-07-07 - RBL Bank Limited has informed the Exchange about Credit Rating.

Concalls

Jul 2026
TranscriptPPTREC
Apr 2026
TranscriptPPTREC
Jan 2026
Transcript PPTREC