Rbl Bank Limited (RBLBANK)

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Rbl Bank Limited (RBLBANK) · mywealthgrid

About

RBL Bank is a private sector bank with market capitalization of ₹59,621 Cr and an operating margin of 36.27%. The bank has delivered strong stock returns of 44% over one year and maintains regular dividend payments, demonstrating operational profitability within India's competitive private banking sector.

Founded: 1943
Face value: ₹10

Market cap

₹63,709 Cr

P/E

70.9×

P/B

3.8×

Dividend yield

0.5%

ROE

5.4%

ROCE

5.8%

Debt / equity

OPM

36.3%

EPS (TTM)

₹5.8

Book value

₹108.0

52-week high

—

52-week low

Key insights

Company research notes and source-linked reviews

Key risks

PE ratio of 66.31 is elevated — verify whether the valuation reflects confidence in future earnings growth or represents a premium relative to sector peers

ROE of 5.43% is notably low for a bank, indicating weak returns on shareholder capital — investigate asset quality, lending mix, and cost structure

Shareholding structure shifted sharply between Mar 2026 (promoter 0%) and Jun 2026 (promoter 60%) — identify the corporate event underlying this change and assess its impact

Quarterly revenue growth of ~9.5% from Sep 2025 to Jun 2026 — benchmark against peer performance to verify relative market positioning

Generated analysis · source review pending

Growth drivers

Net profit increased from ₹178–192 Cr (Sep 2025) to ₹234–253 Cr (Jun 2026), indicating profitable scale-up

Operating margin expanded from 33.61% (Dec 2025) to 40.95% (Jun 2026) — verify the underlying drivers: lower funding costs, higher-yield lending, or cost efficiency

Quarterly revenue rose from ₹3,507 Cr (Sep 2025) to ₹3,840 Cr (Jun 2026) — identify which customer segments or product lines contributed to this growth

EPS peaked at 3.72–3.96 in Mar 2026 but softened to 3.12–3.38 in Jun 2026 — verify whether this reflects profit normalization, higher share count, or quarterly seasonality

Generated analysis · source review pending

2,487 historical price candles were omitted because the exchange source has not been verified.

₹411.4+2.3%1Y

Quick read

rule-based

Pros

+Healthy operating margin of 36.3%
+Dividend payout of 34.4% of profit
+High promoter holding of 60% with no pledge

Cons

−Low return on equity of 6.3% (3-yr avg)
−Weak interest coverage of 1.1×
−Expensive at 70.9× trailing earnings

Research score

Structured signal from quality, growth, valuation and momentum.

35/100

Business quality: 31
Growth: 39
Valuation

Revenue & net profit

₹ crore, by fiscal year

RevenuePAT

Margins

% of revenue, by fiscal year

OPMPAT margin

Peers

Comparable companies from the narrowest available industry classification.

Part ofNIFTY SMALLCAP 50 NIFTY SMALLCAP 100 NIFTY SMALLCAP 250 NIFTY MIDSMALLCAP 400 NIFTY 500

Screen this industry Compare top 5 side-by-side

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Financials

Reported profit and loss, balance sheet, cash flow and growth history.

Annual Quarterly

Consolidated Standalone

Consolidated figures · ₹ crore

₹ Cr	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	8,779	8,561	8,445	9,550	12,394	14,041	14,337
Interest	4,885	4,425	4,148	4,679	6,350	7,576	7,975
Expenses	5,065	5,473	6,674	5,944	7,520	9,312	9,136
Financing profit	-1,171	-1,336	-2,378	-1,073	-1,477	-2,847	-2,774
Financing margin %	-13.3%	-15.6%	-28.2%	-11.2%	-11.9%	-20.3%	-19.4%
Other income	1,918	2,048	2,352	2,507	3,060	3,778	4,127
Depreciation	—	—	180	213	235	236	247
Profit before tax	747	712	-207	1,221	1,349	696	1,106
Tax	247	183	-40	302	89	-21	227
Tax %	33.1%	25.6%	-19.5%	24.7%	6.6%	-3.1%	20.5%
PAT	500	529	-166	920	1,260	717	879
EPS (₹)	11	9.8	-2.8	15.3	20.9	11.8	14.3
EPS adjusted (₹)	9.8	8.9	-2.8	15.3	20.8	11.8	14.2
	13.6%	0%	—	9.8%	7.2%	8.5%	7%
Gross NPA %	3.6%	4.3%	4.4%	—	—	—	—
Net NPA %	2.1%	2.1%	1.3%	—	—	—	—
Annual report	Annual report for Mar 2020	Annual report for Mar 2021	Annual report for Mar 2022	Annual report for Mar 2023	Annual report for Mar 2024	Annual report for Mar 2025	Annual report for Mar 2026

₹ Cr	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity capital	375	420	427	509	598	600	600	605	608	618
Reserves	3,961	6,261	7,108	10,056	12,068	11,931	12,926	14,232	15,062	16,106
Deposits	34,588	43,883	58,358	57,812	73,055	79,006	84,875	1,03,470	1,10,933	1,38,959
Borrowings	7,980	9,261	11,832	17,007	11,226	11,098	13,332	14,185	13,735	16,796
Other liabilities	1,771	2,052	2,673	3,600	3,672	3,528	4,074	5,961	6,435	8,267
Total equity & liabilities	48,676	61,877	80,398	88,983	1,00,619	1,06,163	1,15,806	1,38,454	1,46,772	1,80,747
Fixed assets	259	340	416	492	495	578	598	558	604	582
Investments	13,482	15,397	16,745	18,055	23,085	22,129	28,730	29,478	32,103	32,059
	34,934	46,141	63,237	70,436	77,038	83,455	86,477	1,08,418	1,14,065	1,48,107
Total assets	48,676	61,877	80,398	88,983	1,00,619	1,06,163	1,15,806	1,38,454	1,46,772	1,80,747

₹ Cr	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	7,631	6,449	-11,031	4,955	-824	7,612
	-174	-264	-234	-193	-281	-225
	-4,207	-109	2,235	843	-503	3,160
Net cash flow	3,251	6,076	-9,030	5,604	-1,608	10,547
Free cash flow	7,452	6,178	-11,276	4,751	-1,112	7,378
CFO / Operating profit %	247.1%	364.3%	-305.9%	101.7%	-17.4%	146.4%

Segment results

As reported in NSE results XBRL. Segment result is before tax and finance costs. ROCE uses that annual result divided by segment assets less liabilities.

Source XBRL ↗

Latest reported period · 31 Mar 2026 · ₹ crore

Segment	Revenue	Result	Assets	Liabilities	Capital employed	ROCE %
Retail Banking	16,510.66	-395.11	60,629.48	80,057.3	—	—
Treasury	10,096.8	370.14

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Ratios

Annual operating, return, leverage and working-capital ratios.

Consolidated Standalone

Consolidated figures

Ratio	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Margins
PAT margin %	5.7%	6.2%	-2%	9.6%	10.2%	5.1%	6.1%
Return ratios
Return on assets %	0.6%	0.5%	-0.2%	0.8%	0.9%	0.5%	0.5%
Return on capital employed %	6.6%	5.6%	4%	5.5%	6.3%	6.1%	5.8%
Return on equity %	4.7%	4.2%	-1.3%	6.8%	8.5%	4.6%	5.3%

Derived from reported annual statements. ROCE uses EBIT over capital employed (total assets less current liabilities). Margin, working-capital and leverage ratios are omitted: a bank funds itself with deposits and books interest as its cost of revenue, so they would measure something other than what they name.

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Shareholding

Quarterly ownership, named holders, insider transactions and disclosed deals.

Quarterly Annual

Every quarter filed · % of equity

Holder (%)	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	60%
	30%	28.26%	25.14%	28.46%	14.63%	13.39%	14.43%	17.56%	15.48%	21.91%	20.23%	8.77%
	19.48%	19.7%	20.51%	20.67%	26.98%	18.03%	21.14%	34.72%	35.28%	39.69%	42.97%	16.91%
	0%	0%	0%	0%	0%	0%	0%	0%	0.38%	0.35%	0.37%	0.15%
	50.52%	52.04%	54.35%	50.87%	58.39%	68.58%	64.43%	47.72%	48.86%	38.05%	36.43%	14.17%
No. of shareholders	—	—	—	—	—	—	—	—	3,47,292	3,38,555	3,23,042	3,20,792

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F&O

Current futures and options contracts with compact option-chain pages.

End of day 30 Sept 2026 · underlying ₹403.4 · volume and open interest in contracts

3

Expiry	Close	Chg	% Chg	Settlement	Open interest	Change in OI	Volume	Lot size
27 Oct 2026	₹408.0	+0.8	+0.2%	₹408.0	14,552	-46	2,580	3175
23 Nov 2026	₹410.3	+1.1	+0.3%	₹410.3	180	+8	27	3175
29 Dec 2026	₹408.0	0	0%	₹409.7	0	0	0	3175

Open the chart icon on a row for that contract's close over 103 stored sessions, with open interest as bars beneath it.

32

27 Oct 2026 23 Nov 2026 29 Dec 2026

Calls				Strike	Puts
OI	Chg OI	Volume	LTP	—	LTP	Volume	Chg OI	OI
2	0	0	₹84.5	320

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Fund holders

Mutual-fund schemes that disclosed a holding in the company.

Portfolio month

Schemes holding

118

across 16 fund houses

Held by these funds

7.45%

of the company's equity

All mutual funds

14.29%

shareholding pattern, Jun 2026

Portfolios as of

August 2026

compared with July 2026

118 schemes · 16 fund houses

		Shares
Portfolio of Kotak Multi Cap FundNEW	Kotak Mahindra Mutual Fund	1.1 Cr	418.75	1.37%	0.711%	—
Growth Mid Cap FundNEW	Nippon India Mutual Fund	90 L	342.32	0.65%	0.581%	—
SMALL CAP FUND	Nippon India Mutual Fund	89.33 L	339.76	0.41%	0.577%	-0
(Investment Manager for Motilal Oswal Mutual Fund)	Motilal Oswal Mutual Fund	85.11 L	323.72	2.29%	0.55%	+3.65 L
Small Cap Fund	Axis Mutual Fund	78.22 L	297.51	0.95%	0.505%	-0
Flexicap Fund	SBI Mutual Fund	60.49 L	230.06	0.99%	0.391%	-0
Franklin India Small Cap Fund (Formerly known as Franklin India Smaller Companies Fund) ^	Franklin Templeton Mutual Fund	59.6 L	226.68	1.54%	0.385%	-0
Large & Mid Cap Fund	Axis Mutual Fund	51.34 L	195.27	1.13%	0.332%	+3.91 L

1–8 of 118

1 / 15

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Documents

Annual reports, exchange filings, offer documents, ratings and earnings-call material.

Announcements

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Events

Upcoming dates and the company’s corporate-action history.

8

Final dividend14 Aug 2026 · ex-date₹1
Final dividend8 Sept 2025 · ex-date₹1
Dividend dividend26 Jul 2024 · ex-date₹1.5
Final dividend18 Aug 2023 · ex-date₹1.5
Interim dividend23 Mar 2020 · ex-date₹1.5
Dividend dividend1 Jul 2019 · ex-date₹2.7
Dividend dividend26 Jul 2018 · ex-date₹2.1
Dividend dividend27 Jul 2017 · ex-date₹1.8

1

Board meeting to consider results17 Jul 2026

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Announcements

Latest exchange announcements, filings and downloadable documents.

1 month 3 months 6 months 1 year All

60 announcementsExport CSV

30 Sept 2026, 1:24 pmCompany Update

RBL Bank Limited Informs The Exchange About Intimation Under Regulation 30 Of SEBI (Listing Obligations And Disclosure Requirements) Regulations, 2015.

General

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Ratio	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Margins
PAT margin %	5.7%	6.2%	-2%	9.6%	10.2%	5.1%	6.1%
Return ratios
Return on assets %	0.6%	0.5%	-0.2%	0.8%	0.9%	0.5%	0.5%
Return on capital employed %	6.6%	5.6%	4%	5.5%	6.3%	6.1%	5.8%
Return on equity %	4.7%	4.2%	-1.3%	6.8%	8.5%	4.6%	5.3%

Calls	Strike	Puts
2	0	0	₹84.5	320

Company	Mkt Cap	EV	Revenue	EBITDA	OPM	PAT	NPM	ROCE	ROE	WC Days
Idbi Bank LimitedIDBIIDBI	₹93,084 Cr	₹1,21,187 Cr	₹29,542 Cr	₹21,383 Cr	72.8%	₹9,343 Cr	31.8%	6.5%	14.2%	—
The Federal Bank LimitedFEDERALBNKFEDERALBNK	₹78,500 Cr	₹1,11,693 Cr	₹30,385 Cr	₹19,589 Cr	64.8%	₹4,692 Cr	15.1%	6.4%	11.4%	—
Idfc First Bank LimitedIDFCFIRSTBIDFCFIRSTB	₹69,254 Cr	₹1,05,886 Cr	₹41,958 Cr	₹14,462 Cr	35.6%	₹2,305 Cr	4%	6%	3.8%	—
Indusind Bank LimitedINDUSINDBKINDUSINDBK	₹69,094 Cr	₹1,11,884 Cr	₹45,297 Cr	₹22,203 Cr	49.3%	₹1,322 Cr	1.9%	5.7%	1.4%	—
Yes Bank LimitedYESBANKYESBANK	₹65,126 Cr	₹1,30,577 Cr	₹30,658 Cr	₹18,224 Cr	61.5%	₹3,775 Cr	11.6%	6%	7.1%	—
Rbl Bank LimitedRBLBANKRBLBANK	₹63,709 Cr	₹80,506 Cr	₹14,736 Cr	₹5,360 Cr	36.3%	₹899 Cr	6.1%	5.8%	5.4%	—
Bandhan Bank LimitedBANDHANBNKBANDHANBNK	₹28,355 Cr	₹42,658 Cr	₹21,844 Cr	₹10,127 Cr	46.9%	₹1,353 Cr	5.6%	6.4%	4.9%	—
Karur Vysya Bank LimitedKARURVYSYAKARURVYSYA	₹26,027 Cr	₹28,650 Cr	₹11,555 Cr	₹7,832 Cr	67.7%	₹2,745 Cr	22.7%	7.6%	19.3%	—
City Union Bank LimitedCUBCUB	₹17,092 Cr	₹22,419 Cr	₹7,249 Cr	₹4,979 Cr	69.6%	₹1,403 Cr	19.3%	6.7%	13.2%	—
The Jammu & Kashmir Bank LimitedJ&KBANKJ&KBANK	₹15,415 Cr	₹18,846 Cr	₹13,429 Cr	₹9,521 Cr	70.6%	₹2,301 Cr	17.9%	5.8%	15.3%	—
Tamilnad Mercantile Bank LimitedTMBTMB	₹13,813 Cr	₹14,513 Cr	₹6,096 Cr	₹4,458 Cr	74.1%	₹1,444 Cr	23%	7.5%	14%	—
The South Indian Bank LimitedSOUTHBANKSOUTHBANK	₹12,420 Cr	₹16,347 Cr	₹10,112 Cr	₹6,746 Cr	66.3%	₹1,511 Cr	14.8%	6.4%	13.5%	—

220 deals · 2 Nov 2021 – 21 Jan 2026

Date	Client	Type	Venue	Side	Quantity	Price	Value
21 Jan 2026	BOFA SECURITIES EUROPE SA	Bulk	BSE	Buy	60,02,451	₹296.00	₹177.67 Cr
21 Jan 2026	BOFA SECURITIES EUROPE SA	Block	BSE	Buy	60,00,000	₹296.00	₹177.60 Cr
21 Jan 2026	BNP PARIBAS FINANCIAL MARKETS	Block	BSE	Sell	60,00,000	₹296.00	₹177.60 Cr
21 Jan 2026	BNP PARIBAS FINANCIAL MARKETS	Bulk	BSE	Sell	60,00,000	₹296.00	₹177.60 Cr
21 Jan 2026	BOFA SECURITIES EUROPE SA	Bulk	BSE	Sell	140	₹298.10	₹0.00 Cr
6 Nov 2025	MAHINDRA & MAHINDRA LIMITED	Bulk	NSE	Sell	2,11,43,000	₹320.65	₹677.95 Cr
6 Nov 2025	MAHINDRA & MAHINDRA LIMITED	Block	NSE	Sell	2,11,43,000	₹320.65	₹677.95 Cr
6 Nov 2025	HSBC MUTUAL FUND	Block	NSE	Buy	56,61,938	₹320.65	₹181.55 Cr
6 Nov 2025	SOCIETE GENERALE	Bulk	NSE	Buy	31,61,221	₹320.65	₹101.36 Cr
6 Nov 2025	SOCIETE GENERALE ODI	Block	NSE	Buy	31,61,221	₹320.65	₹101.36 Cr

1–10 of 220

1 / 22

Bulk deals are a client trading over 0.5% of the equity in a session, aggregated across their trades; block deals are single negotiated trades in the exchange’s block window. Each is reported by the exchange it was crossed on, so NSE and BSE rows are separate trades rather than the same trade twice.

Date	Category	Subject	Filing
30 Sept 2026, 1:24 pm	Company Update General	RBL Bank Limited Informs The Exchange About Intimation Under Regulation 30 Of SEBI (Listing Obligations And Disclosure Requirements) Regulations, 2015.	PDF
22 Sept 2026, 6:44 pm	Company Update Analyst / Investor Meet	Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome	PDF
21 Sept 2026, 6:41 pm	Company Update Analyst / Investor Meet	Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome	PDF
18 Sept 2026, 6:59 pm	Company Update Analyst / Investor Meet	Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome	PDF
18 Sept 2026, 9:13 am	Company Update Analyst / Investor Meet	Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome	PDF
16 Sept 2026, 7:05 pm	Company Update Analyst / Investor Meet	Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome	PDF
16 Sept 2026, 6:57 pm	Company Update General	Intimation Under Regulation 30 Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations, 2015	PDF
16 Sept 2026, 5:37 pm	Company Update General	Intimation Under Regulation 30 Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations, 2015	PDF

Rbl Bank Limited

About

Key insights

Key risks

Growth drivers

Quick read

Pros

Cons

Research score

Revenue & net profit

Margins

Peers

Financials

Segment results

Ratios

Shareholding

F&O

3

32

Fund holders

Documents

Announcements

Events

8

1

Announcements

8

1

3

32

Announcements

Annual reports

Credit ratings

Investor Presentation and earnings call

Segment results

Compounded sales growth

Compounded profit growth

Return on equity

Capital and Reserves · revenue

Rbl Bank Limited

About

Key insights

Key risks

Growth drivers

Quick read

Pros

Cons

Research score

Revenue & net profit

Margins

Peers

Financials

Profit & loss

Balance sheet

Cash flow

Segment results

Ratios

Ratio timeline

Shareholding

Quarterly record

F&O

Futures3

Option chain32

Fund holders

Documents

Announcements

Events

Dividends8

Board meetings1

Announcements

Dividends8

Board meetings1

Ratio timeline

Futures3

Option chain32

Announcements

Quarterly record

Annual reports

Credit ratings

Investor Presentation and earnings call

Bulk & block deals

Board and management

Profit & loss

Balance sheet

Cash flow

Segment results

Compounded returns

Compounded sales growth

Compounded profit growth

Return on equity

Capital and Reserves · revenue

3

32

8

1

8

1

3

32