RBL Bank Ltd.

•

₹ 392.50.05%

2026-08-21

rbl.bank.inBSE: 540065NSE: RBLBANK

Market Cap₹ 60,904 Cr.

Current Price₹ 392

High / Low₹ 394 / 243

Stock P/E0.0

Book Value₹ 275

Price to Book1.09

Dividend Yield0.25 %

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% • 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 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%
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

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	726.50	14.17	1119617.93	2.13	203826.90	1092.64	905753.30	936.66	12.81	35.64
2.	ICICIBANK	1411.50	18.06	1012969.76	0.85	16209.74	12.62	52240.85	6.44	16.51	32.39
3.	KOTAKBANK	398.50	19.53	396414.09	0.16	5487.06	23.89	18354.57	6.41	12.05	19.05
4.	AXISBANK	1250.35	14.01	389222.13	0.08	7656.51	22.31	35541.96	9.87	11.04	63.88
5.	FEDERALBNK	355.75	18.78	87934.71	0.34	1297.61	37.06	7861.58	9.94	10.98	66.11
6.	IDBI	81.61	9.42	87750.35	0.00	2130.57	5.27	7549.28	7.44	14.76	76.80
7.	AUBANK	1084.85	44.68	81356.25	0.09	7959.53	1270.31	53027.42	1111.10	14.17	56.24
8.	INDUSINDBK	1003.05	59.10	78151.69	0.15	1037.02	71.68	11309.94	-7.78	4.97	55.07
9.	IDFCFIRSTB	85.79	32.09	73961.44	0.29	1147.82	153.12	11051.09	14.61	5.42	38.45
10.	YESBANK	22.74	18.91	71375.83	0.00	1071.81	32.53	8054.49	5.92	8.04	58.47
11.	RBLBANK	392.90	67.74	60903.75	0.25	2342.30	993.41	38402.40	1015.97	6.49	40.95
12.	KARURVYSYA	334.25	0.00	32312.40	0.78	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
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%	1.30%
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%	0.37%
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%	94.94%
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%	4.13%
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%	29.20%
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%	33.28%
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%	0.57%
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%	1.30%
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%	0.37%
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%	94.94%
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%	4.13%
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%	29.20%
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%	33.28%
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%	0.57%
Branches / ATMs / Employees	—	—	—	—	—	—	—	—	—	—	—	—	—

Jun 2023

: 2,856
Interest Expended: 1,434
Net Interest Income: 1,422
: 685
Total Income: 0
Operating Expenses: 1,460
Operating Profit: 647
Provisions & Contingencies: 266
Profit before Tax: 381
Tax %: 24.44%
Net Profit: 288
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
: 704
Total Income: 0
Operating Expenses: 1,448
Operating Profit: 731
Provisions & Contingencies: 640
Profit before Tax: 91
Tax %: -224.48%
Net Profit: 294
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: —

Dec 2023

: 3,191
Interest Expended: 1,646
Net Interest Income: 1,546
: 778
Total Income: 0
Operating Expenses: 1,558
Operating Profit: 765
Provisions & Contingencies: 458
Profit before Tax: 307
Tax %: 24.10%
Net Profit: 233
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
: 875
Total Income: 0
Operating Expenses: 1,588
Operating Profit: 887
Provisions & Contingencies: 414
Profit before Tax: 473
Tax %: 25.48%
Net Profit: 353
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

: 3,496
Interest Expended: 1,796
Net Interest Income: 1,700
: 805
Total Income: 4,272
Operating Expenses: 1,646
Operating Profit: 859
Provisions & Contingencies: 366
Profit before Tax: 493
Tax %: 24.61%
Net Profit: 372
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
: 927
Total Income: 4,459
Operating Expenses: 1,632
Operating Profit: 910
Provisions & Contingencies: 618
Profit before Tax: 292
Tax %: 23.68%
Net Profit: 223
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

: 3,536
Interest Expended: 1,951
Net Interest Income: 1,585
: 1,073
Total Income: 4,610
Operating Expenses: 1,662
Operating Profit: 997
Provisions & Contingencies: 1,189
Profit before Tax: -192
Tax %: 116.97%
Net Profit: 33
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

: 3,476
Interest Expended: 1,913
Net Interest Income: 1,563
: 1,000
Total Income: 4,478
Operating Expenses: 1,702
Operating Profit: 861
Provisions & Contingencies: 785
Profit before Tax: 76
Tax %: 9.66%
Net Profit: 69
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
: 1,069
Total Income: 4,513
Operating Expenses: 1,847
Operating Profit: 703
Provisions & Contingencies: 442
Profit before Tax: 261
Tax %: 23.14%
Net Profit: 200
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: —

Sep 2025

: 3,507
Interest Expended: 1,957
Net Interest Income: 1,551
: 933
Total Income: 4,442
Operating Expenses: 1,755
Operating Profit: 728
Provisions & Contingencies: 500
Profit before Tax: 229
Tax %: 21.94%
Net Profit: 179
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: 2,010
Net Interest Income: 1,657
: 1,050
Total Income: 4,718
Operating Expenses: 1,795
Operating Profit: 912
Provisions & Contingencies: 639
Profit before Tax: 273
Tax %: 21.70%
Net Profit: 214
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: —

Mar 2026

: 3,720
Interest Expended: 2,049
Net Interest Income: 1,671
: 1,069
Total Income: 4,791
Operating Expenses: 1,785
Operating Profit: 955
Provisions & Contingencies: 678
Profit before Tax: 277
Tax %: 17.09%
Net Profit: 230
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: 21,858
Net Interest Income: 16,544
: 9,594
Total Income: 47,997
Operating Expenses: 16,911
Operating Profit: 9,228
Provisions & Contingencies: 5,993
Profit before Tax: 3,235
Tax %: 21.58%
Net Profit: 2,537
EPS: 3
Gross NPA %: 1.30%
Net NPA %: 0.37%
Provision Coverage %: 94.94%
NIM %: 4.13%
CASA %: 29.20%
Capital Adequacy %: 33.28%
Return on Assets %: 0.57%
Branches / ATMs / Employees: —
Gross NPA %: 1.30%
Net NPA %: 0.37%
Provision Coverage %: 94.94%
NIM %: 4.13%
CASA %: 29.20%
Capital Adequacy %: 33.28%
Return on Assets %: 0.57%
Branches / ATMs / Employees: —

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	0	0	0	0	0	0	7	-4	21	21
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	—
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
: 1,068
Total Income: 0
: 0
Operating Profit: -2,741
: 342
Profit before Tax: 967
Tax %: 0
Net Profit: 635
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
: 1,442
Total Income: 0
: 0
Operating Profit: -3,761
: 577
Profit before Tax: 1,299
Tax %: 0
Net Profit: 867
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
: 1,910
Total Income: 0
: 0
Operating Profit: -4,885
: 1,952
Profit before Tax: 753
Tax %: 0
Net Profit: 506
EPS: 11
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2021

: 0
Interest Expended: 4,541
Net Interest Income: -4,541
: 1,884
Total Income: 0
: 0
Operating Profit: -4,541
: 2,227
Profit before Tax: 689
Tax %: 0
Net Profit: 508
EPS: 9
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2022

: 0
Interest Expended: 4,149
Net Interest Income: -4,149
: 2,341
Total Income: 0
: 0
Operating Profit: -4,149
: 2,852
Profit before Tax: -115
Tax %: 0
Net Profit: -75
EPS: -1
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2023

: 0
Interest Expended: 4,678
Net Interest Income: -4,678
: 2,489
Total Income: 0
: 0
Operating Profit: -4,678
: 968
Profit before Tax: 1,180
Tax %: 0
Net Profit: 883
EPS: 15
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2024

: 12,394
Interest Expended: 6,351
Net Interest Income: 6,043
: 3,043
Total Income: 15,437
: 6,055
Operating Profit: 3,031
: 1,778
Profit before Tax: 1,252
Tax %: 7
Net Profit: 1,168
EPS: 19
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2025

: 14,039
Interest Expended: 7,576
Net Interest Income: 6,463
: 3,806
Total Income: 17,845
: 6,642
Operating Profit: 3,627
: 2,959
Profit before Tax: 668
Tax %: -4
Net Profit: 695
EPS: 11
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2026

: 14,336
Interest Expended: 7,976
Net Interest Income: 6,360
: 4,121
Total Income: 18,457
: 7,182
Operating Profit: 3,299
: 2,260
Profit before Tax: 1,040
Tax %: 21
Net Profit: 822
EPS: 13
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

TTM

: —
Interest Expended: 27,874
Net Interest Income: —
: 12,646
Total Income: 61,948
: —
Operating Profit: —
: —
Profit before Tax: 4,014
Tax %: 21
Net Profit: 3,159
EPS: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

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:: —
5 Years:: 19%
3 Years:: 21%
1 Year:: 54%

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
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	12.16	14.12	16.62	18.48	20.70	19.93	17.45	17.99	14.96
Credit-Deposit Ratio (%)	85.14	91.72	93.00	100.36	80.17	75.97	82.71	81.15	83.48	82.17
Contingent Liabilities	41,904	51,396	61,303	73,654	59,088	65,299	70,104	93,224	1,08,394	1,40,828
Bills for Collection	0	0	0	0	0	0	0	3,987	3,817	4,677
Book Value per Share	115.53	159.25	176.85	208.01	211.72	210.29	225.18	242.57	253.94	265.80
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	12.16	14.12	16.62	18.48	20.70	19.93	17.45	17.99	14.96
Credit-Deposit Ratio (%)	85.14	91.72	93.00	100.36	80.17	75.97	82.71	81.15	83.48	82.17
Contingent Liabilities	41,904	51,396	61,303	73,654	59,088	65,299	70,104	93,224	1,08,394	1,40,828
Bills for Collection	0	0	0	0	0	0	0	3,987	3,817	4,677
Book Value per Share	115.53	159.25	176.85	208.01	211.72	210.29	225.18	242.57	253.94	265.80

Mar 2017

Equity Capital: 375
: 3,960
: 34,588
: 7,980
Other Liabilities & Provisions: 1,771
Total Liabilities: 48,675
: 2,948
Balances with Banks & Money at Call: 1,246
: 13,482
: 29,449
: 224
: 1,292
Total Assets: 48,675
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: 115.53
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: 115.53

Mar 2018

Equity Capital: 420
: 6,264
: 43,902
: 9,261
Other Liabilities & Provisions: 2,003
Total Liabilities: 61,851
: 2,589
Balances with Banks & Money at Call: 1,695
: 15,447
: 40,268
: 303
: 1,517
Total Assets: 61,851
CASA Deposits: 5,339
CASA Ratio (%): 12.16
Credit-Deposit Ratio (%): 91.72
Contingent Liabilities: 51,396
Bills for Collection: 0
Book Value per Share: 159.25
CASA Deposits: 5,339
CASA Ratio (%): 12.16
Credit-Deposit Ratio (%): 91.72
Contingent Liabilities: 51,396
Bills for Collection: 0
Book Value per Share: 159.25

Mar 2019

Equity Capital: 427
: 7,121
: 58,394
: 11,832
Other Liabilities & Provisions: 2,585
Total Liabilities: 80,359
: 4,840
Balances with Banks & Money at Call: 1,763
: 16,840
: 54,308
: 363
: 2,206
Total Assets: 80,359
CASA Deposits: 8,245
CASA Ratio (%): 14.12
Credit-Deposit Ratio (%): 93.00
Contingent Liabilities: 61,303
Bills for Collection: 0
Book Value per Share: 176.85
CASA Deposits: 8,245
CASA Ratio (%): 14.12
Credit-Deposit Ratio (%): 93.00
Contingent Liabilities: 61,303
Bills for Collection: 0
Book Value per Share: 176.85

Mar 2020

Equity Capital: 509
: 10,074
: 57,812
: 17,007
Other Liabilities & Provisions: 3,576
Total Liabilities: 88,978
: 6,415
Balances with Banks & Money at Call: 2,442
: 18,150
: 58,019
: 408
: 3,482
Total Assets: 88,978
CASA Deposits: 9,607
CASA Ratio (%): 16.62
Credit-Deposit Ratio (%): 100.36
Contingent Liabilities: 73,654
Bills for Collection: 0
Book Value per Share: 208.01
CASA Deposits: 9,607
CASA Ratio (%): 16.62
Credit-Deposit Ratio (%): 100.36
Contingent Liabilities: 73,654
Bills for Collection: 0
Book Value per Share: 208.01

Mar 2021

Equity Capital: 598
: 12,064
: 73,121
: 11,226
Other Liabilities & Provisions: 3,641
Total Liabilities: 1,00,651
: 6,705
Balances with Banks & Money at Call: 6,720
: 23,230
: 58,623
: 442
: 4,907
Total Assets: 1,00,651
CASA Deposits: 13,510
CASA Ratio (%): 18.48
Credit-Deposit Ratio (%): 80.17
Contingent Liabilities: 59,088
Bills for Collection: 0
Book Value per Share: 211.72
CASA Deposits: 13,510
CASA Ratio (%): 18.48
Credit-Deposit Ratio (%): 80.17
Contingent Liabilities: 59,088
Bills for Collection: 0
Book Value per Share: 211.72

Mar 2022

Equity Capital: 600
: 12,008
: 79,007
: 11,093
Other Liabilities & Provisions: 3,491
Total Liabilities: 1,06,209
: 13,111
Balances with Banks & Money at Call: 4,437
: 22,274
: 60,022
: 467
: 5,817
Total Assets: 1,06,209
CASA Deposits: 16,357
CASA Ratio (%): 20.70
Credit-Deposit Ratio (%): 75.97
Contingent Liabilities: 65,299
Bills for Collection: 0
Book Value per Share: 210.29
CASA Deposits: 16,357
CASA Ratio (%): 20.70
Credit-Deposit Ratio (%): 75.97
Contingent Liabilities: 65,299
Bills for Collection: 0
Book Value per Share: 210.29

Mar 2023

Equity Capital: 600
: 12,902
: 84,887
: 13,331
Other Liabilities & Provisions: 4,082
Total Liabilities: 1,15,876
: 6,238
Balances with Banks & Money at Call: 2,282
: 28,875
: 70,209
: 529
: 7,697
Total Assets: 1,15,876
CASA Deposits: 16,922
CASA Ratio (%): 19.93
Credit-Deposit Ratio (%): 82.71
Contingent Liabilities: 70,104
Bills for Collection: 0
Book Value per Share: 225.18
CASA Deposits: 16,922
CASA Ratio (%): 19.93
Credit-Deposit Ratio (%): 82.71
Contingent Liabilities: 70,104
Bills for Collection: 0
Book Value per Share: 225.18

Mar 2024

Equity Capital: 605
: 14,074
: 1,03,494
: 14,184
Other Liabilities & Provisions: 5,958
Total Liabilities: 14
: 12,071
Balances with Banks & Money at Call: 2,346
: 29,576
: 83,987
: 525
: 9,921
Total Assets: 14
CASA Deposits: 18,056
CASA Ratio (%): 17.45
Credit-Deposit Ratio (%): 81.15
Contingent Liabilities: 93,224
Bills for Collection: 3,987
Book Value per Share: 242.57
CASA Deposits: 18,056
CASA Ratio (%): 17.45
Credit-Deposit Ratio (%): 81.15
Contingent Liabilities: 93,224
Bills for Collection: 3,987
Book Value per Share: 242.57

Mar 2025

Equity Capital: 608
: 14,829
: 1,10,944
: 13,734
Other Liabilities & Provisions: 6,441
Total Liabilities: 1,46,725
: 10,965
Balances with Banks & Money at Call: 1,595
: 32,165
: 92,618
: 570
: 8,806
Total Assets: 1,46,725
CASA Deposits: 19,958
CASA Ratio (%): 17.99
Credit-Deposit Ratio (%): 83.48
Contingent Liabilities: 1,08,394
Bills for Collection: 3,817
Book Value per Share: 253.94
CASA Deposits: 19,958
CASA Ratio (%): 17.99
Credit-Deposit Ratio (%): 83.48
Contingent Liabilities: 1,08,394
Bills for Collection: 3,817
Book Value per Share: 253.94

Mar 2026

Equity Capital: 618
: 15,812
: 1,39,018
: 16,794
Other Liabilities & Provisions: 8,268
Total Liabilities: 1,80,685
: 14,012
Balances with Banks & Money at Call: 9,053
: 32,078
: 1,14,232
: 545
: 10,744
Total Assets: 1,80,685
CASA Deposits: 20,801
CASA Ratio (%): 14.96
Credit-Deposit Ratio (%): 82.17
Contingent Liabilities: 1,40,828
Bills for Collection: 4,677
Book Value per Share: 265.80
CASA Deposits: 20,801
CASA Ratio (%): 14.96
Credit-Deposit Ratio (%): 82.17
Contingent Liabilities: 1,40,828
Bills for Collection: 4,677
Book Value per Share: 265.80

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

Mar 2017

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

Mar 2018

: -2,528
Cash from Investing: -162
Cash from Financing: 2,995
: 305

Mar 2019

: -31
Cash from Investing: -190
Cash from Financing: 2,567
: 2,345

Mar 2020

: -5,084
Cash from Investing: -206
Cash from Financing: 7,698
: 2,408

Mar 2021

: 7,597
Cash from Investing: -157
Cash from Financing: -4,207
: 3,233

Mar 2022

: 6,449
Cash from Investing: -246
Cash from Financing: -114
: 6,090

Mar 2023

: -11,044
Cash from Investing: -223
Cash from Financing: 2,239
: -9,028

Mar 2024

: 4,935
Cash from Investing: -172
Cash from Financing: 842
: 5,605

Mar 2025

: -842
Cash from Investing: -263
Cash from Financing: -503
: -1,608

Mar 2026

: 7,611
Cash from Investing: -223
Cash from Financing: 3,159
: 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%

Mar 2017

EPS (₹): 11.89
Book Value (₹): 115.53
Dividend per Share (₹): 1.80
Net Interest Margin %: 0.00%
ROA %: 1.02%
ROE %: 12.18%
: 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 %: 52.50%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2018

EPS (₹): 15.13
Book Value (₹): 159.25
Dividend per Share (₹): 2.10
Net Interest Margin %: 0.00%
ROA %: 1.15%
ROE %: 11.53%
: 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 %: 42.38%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2019

EPS (₹): 20.32
Book Value (₹): 176.85
Dividend per Share (₹): 2.70
Net Interest Margin %: 0.00%
ROA %: 1.22%
ROE %: 12.19%
: 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 %: 36.51%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2020

EPS (₹): 9.94
Book Value (₹): 208.01
Dividend per Share (₹): 1.50
Net Interest Margin %: 0.00%
ROA %: 0.60%
ROE %: 5.58%
: 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 %: -41.67%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2021

EPS (₹): 8.49
Book Value (₹): 211.72
Dividend per Share (₹): 0.00
Net Interest Margin %: 0.00%
ROA %: 0.54%
ROE %: 4.37%
: 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 %: 0.42%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2022

EPS (₹): -1.25
Book Value (₹): 210.29
Dividend per Share (₹): 0.00
Net Interest Margin %: 0.00%
ROA %: -0.07%
ROE %: -0.59%
: 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 %: -114.72%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2023

EPS (₹): 14.72
Book Value (₹): 225.18
Dividend per Share (₹): 1.50
Net Interest Margin %: 0.00%
ROA %: 0.79%
ROE %: 6.76%
: 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 %: 1281.13%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2024

EPS (₹): 19.30
Book Value (₹): 242.57
Dividend per Share (₹): 1.50
Net Interest Margin %: 4.72%
ROA %: 0.92%
ROE %: 8.29%
: 66.64%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 35.22%
Credit-Deposit Ratio %: 0.14%
: 16.18%
Net Profit Growth %: 32.31%
Book Value Growth %: 7.72%
P/E (x): 12.43x
P/B (x): 0.99x
: 0.63%

Mar 2025

EPS (₹): 11.44
Book Value (₹): 253.94
Dividend per Share (₹): 1.00
Net Interest Margin %: 4.71%
ROA %: 0.49%
ROE %: 4.62%
: 64.68%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 34.15%
Credit-Deposit Ratio %: 0.12%
: 15.54%
Net Profit Growth %: -40.46%
Book Value Growth %: 4.69%
P/E (x): 15.20x
P/B (x): 0.68x
: 0.58%

Mar 2026

EPS (₹): 13.31
Book Value (₹): 265.80
Dividend per Share (₹): 1.00
Net Interest Margin %: 3.75%
ROA %: 0.50%
ROE %: 5.16%
: 68.52%
Gross NPA %: 2.78%
Net NPA %: 0.45%
Provision Coverage %: 94.18%
Slippage Ratio %: —
CASA %: 33.61%
Credit-Deposit Ratio %: 0.12%
: 14.25%
Net Profit Growth %: 18.27%
Book Value Growth %: 4.67%
P/E (x): 21.78x
P/B (x): 1.09x
: 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