RBL Bank Ltd logo

RBL Bank Ltd

RBLBANK NSE

Key Fundamentals

MidcapPrivate BankBanks
Market Cap
₹59,844 Cr
Volatility
Moderate
P/E Ratio
32.79
EBITDA
₹1,353 Cr
Return on Equity
5.26%
Debt to Equity
0
Book Value
₹275.74
EPS
₹21.3
52W High
₹392.7
52W Low
₹243.25

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view RBL Bank Ltd insights

51 extracted metrics + investor summaries across FY15–FY26.

Log in — free

Tapetide Score

Data-driven rating, 0–100. How it works →

Technical Indicators

Key Insights

Strengths

1
  • Promoter holding has increased by 60.0% over last quarter.

Weaknesses

8
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 11.5% over past five years.
  • Company has a low return on equity of 5.90% over last 3 years.
  • Contingent liabilities of Rs.1,45,506 Cr.
  • Company might be capitalizing the interest cost
  • Earnings include an other income of Rs.4,011 Cr.
  • Dividend payout has been low at 8.01% of profits over last 3 years
  • Working capital days have increased from 185 days to 285 days

Growth Rate

Revenue Growth
3.62% ↗
Net Income Growth
22.58% ↗
Cash Flow Change
144.92% ↗
ROE
14.85% ↗
ROCE
-10.99% ↘
EBITDA Margin (Avg.)
5.82% ↗

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 2d ago
AI opinion · based on fundamentals
Risk high

RBL Bank trades at a market cap of Rs.59,960 Cr with a PE of 66.7x and PB of 1.41x. The bank has delivered weak ROE of around 5-6% over 3-5 years despite revenue growing at 14% CAGR over three years, while contingent liabilities of Rs.1,45,506 Cr and rising working capital days present balance sheet concerns.

Bull Case 7
  • Stock price CAGR of 54% over the past 1 year indicates strong momentum and renewed market confidence
  • Promoter holding increased by 60% over the last quarter, signaling insider confidence in the bank's prospects
  • TTM profit growth of 67% shows a sharp earnings recovery trajectory
  • Compounded sales growth of 14% over 3 years demonstrates improving revenue traction
  • 10-year compounded sales growth of 18% reflects a long-term franchise-building track record
  • Price-to-book of 1.41x is relatively modest for a mid-sized private bank, suggesting limited valuation premium
  • 5-year stock CAGR of 17% indicates the bank has recovered from earlier stress periods and delivered reasonable long-term returns
Bear Case 8
  • ROE of just 5-6% over 3, 5, and 10-year periods is well below the 12-15% typically expected from private banks
  • Contingent liabilities of Rs.1,45,506 Cr are roughly 2.4x the bank's market cap, posing significant off-balance-sheet risk
  • PE of 66.7x is extremely elevated for a bank with sub-6% ROE, suggesting earnings have not caught up with the stock price
  • Working capital days increased from 185 to 285 days, indicating deteriorating asset-liability efficiency
  • Low interest coverage ratio raises concerns about the bank's ability to service obligations under stress scenarios
  • 5-year compounded sales growth of only 11.5% is below private banking peers that have grown at 15-20%
  • 3-year compounded profit growth of -2% indicates earnings stagnation over a medium-term horizon despite the recent TTM spike
  • Dividend payout of just 8.01% of profits over 3 years offers negligible income return with dividend yield at only 0.26%

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

Anthropic anthropic claude-opus-4.6 2h ago
Positives 1
  • FY26 dividend record date set Aug 6

    RBL Bank fixed August 14, 2026 as the record date for its final dividend for FY 2025-26, with the 83rd AGM scheduled for September 2, 2026.

Neutral 2
  • Multiple investor meets held Aug 14

    RBL Bank conducted one-on-one meetings with Millenium Management, Moon Capital, GeeCee Investments, RBC Global Asset Management, Millenium Partners, Breakout Capital, and Gaja Capital between July 27 and August 13, 2026. No unpublished price-sensitive information was shared in any session.

  • BRSR report published for FY26 Aug 7

    RBL Bank released its Business Responsibility and Sustainability Report for FY 2025-26, disclosing ESG metrics, employee data, energy consumption, GHG emissions, and CSR compliance details.

TL;DR: RBL Bank's recent newsflow is dominated by routine investor engagement and compliance disclosures, with no material operational or financial updates. The declaration of a final dividend for FY26 is a mild positive signaling confidence in capital adequacy. No headwinds emerged in this period. The outlook remains steady but lacks catalysts until Q1 FY27 results or strategic announcements surface.

Quarterly Results

  Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
2,856
3,008
3,191
3,339
3,496
3,531
3,536
3,476
3,441
3,507
3,667
3,720
3,840
Expenses
1,726
2,089
2,016
2,002
2,013
2,251
2,851
2,487
2,290
2,255
2,434
2,463
2,290
Financing Profit
-304
-614
-470
-402
-313
-636
-1,266
-924
-809
-704
-777
-792
-636
Fin. Margin %
-11%
-20%
-15%
-12%
-9%
-18%
-36%
-27%
-24%
-20%
-21%
-21%
-17%
Other Income
685
704
778
875
805
927
1,073
1,000
1,069
933
1,050
1,069
959
Interest
1,434
1,533
1,646
1,739
1,796
1,916
1,951
1,913
1,960
1,957
2,010
2,049
2,186
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
381
91
307
473
493
292
-192
76
261
229
273
277
324
Tax %
24%
-224%
24%
25%
25%
24%
-117%
10%
23%
22%
22%
17%
22%
Net Profit
288
294
233
353
372
223
33
69
200
179
214
230
254
EPS in Rs
4.8
4.89
3.87
5.83
6.13
3.66
0.54
1.13
3.29
2.91
3.47
3.72
1.64
Gross NPA %
3.22%
3.12%
3.12%
2.65%
2.69%
2.88%
2.92%
2.6%
2.78%
2.32%
1.88%
1.45%
1.3%
Net NPA %
1%
0.78%
0.8%
0.74%
0.74%
0.79%
0.53%
0.29%
0.45%
0.57%
0.55%
0.39%
0.37%
Figures in ₹ Crores

Profit & Loss

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
1,953
2,744
3,713
4,508
6,301
8,514
8,329
8,176
9,677
12,394
14,039
14,336
14,735
Expenses
627
833
1,234
1,781
2,561
4,649
4,824
6,318
6,111
7,619
9,382
9,208
9,442
Financing Profit
-70
-14
-12
-15
-21
-1,019
-1,037
-2,292
-1,113
-1,576
-2,919
-2,848
-2,909
Fin. Margin %
-4%
-1%
0%
0%
0%
-12%
-12%
-28%
-12%
-13%
-21%
-20%
-20%
Other Income
403
491
755
1,068
1,442
1,910
1,884
2,341
2,489
3,043
3,806
4,121
4,011
Interest
1,397
1,925
2,492
2,741
3,761
4,885
4,541
4,149
4,678
6,351
7,576
7,976
8,201
Depreciation
33
48
62
87
122
138
158
164
196
215
219
234
0
PBT
300
428
681
967
1,299
753
689
-115
1,180
1,252
668
1,040
1,102
Tax %
31%
32%
35%
34%
33%
33%
26%
-35%
25%
7%
-4%
21%
—
Net Profit
207
292
446
635
867
506
508
-75
883
1,168
695
822
876
EPS in Rs
7.06
9.01
11.89
15.13
20.32
9.94
8.49
-1.25
14.72
19.3
11.44
13.31
11.74
Div. Payout %
17%
17%
15%
14%
13%
15%
0%
0%
10%
8%
9%
8%
—
Figures in ₹ Crores

Balance Sheet

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
293
325
375
420
427
509
598
600
600
605
608
618
Reserves
1,936
2,664
3,960
6,264
7,121
10,074
12,065
12,019
12,977
14,191
14,999
15,987
Borrowing
6,963
10,536
7,980
9,261
11,832
17,007
11,226
11,093
13,331
14,184
13,734
16,794
Deposits
17,099
24,349
34,588
43,902
58,394
57,812
73,121
79,007
84,887
1,03,494
1,10,944
1,39,018
Other Liabilities
812
1,287
1,771
2,003
2,585
3,576
3,641
3,491
4,082
5,958
6,441
8,268
Total Liabilities
27,104
39,161
48,675
61,851
80,359
88,978
1,00,651
1,06,209
1,15,876
1,38,432
1,46,725
1,80,685
Fixed Assets
153
158
224
303
363
408
442
467
529
525
570
545
CWIP
10
19
35
31
40
62
24
82
45
7
7
21
Investments
9,792
14,436
13,482
15,448
16,840
18,150
23,230
22,274
28,875
29,576
32,165
32,078
Other Assets
17,148
24,548
34,934
46,069
63,116
70,358
76,954
83,386
86,427
1,08,324
1,13,984
1,48,041
Total Assets
27,104
39,161
48,675
61,851
80,359
88,978
1,00,651
1,06,209
1,15,876
1,38,432
1,46,725
1,80,685
Figures in ₹ Crores

Cash Flow

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
-2,261
-4,384
3,434
-2,528
-31
-5,084
7,597
6,449
-11,044
4,935
-842
7,577
Investing
-58
-60
-142
-162
-190
-206
-157
-246
-223
-172
-263
-223
Financing
3,076
4,040
-1,656
2,995
2,567
7,698
-4,207
-114
2,239
842
-503
3,159
Net Cash Flow
757
-405
1,635
305
2,345
2,408
3,233
6,090
-9,028
5,605
-1,608
10,513
Free Cash Flow
-2,319
-4,445
3,291
-2,690
-221
-5,290
7,440
6,203
-11,267
4,763
-1,105
7,354
CFO/OP
-163
-222
147
-79
15
-123
226
356
-303
107
-14
151
Figures in ₹ Crores

Ratios

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
10%
11%
12%
12%
12%
6%
4%
-1%
7%
8%
5%
5%

Shareholding Pattern

As of Jun 2026
Promoters 60.00%
DIIs 17.05%
Public 9.12%
FIIs 8.77%
Others 5.05%
Government 0.01%
Total 100.00%
  Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters
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%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
60.00%
FIIs
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
25.14%
28.46%
14.63%
13.39%
14.43%
17.56%
15.48%
21.91%
20.23%
8.77%
DIIs
21.82%
19.98%
21.99%
19.43%
18.84%
11.44%
13.67%
20.22%
18.45%
16.38%
17.93%
18.26%
20.51%
20.67%
26.98%
18.03%
21.14%
34.72%
35.63%
40.04%
43.32%
17.05%
Government
0.36%
0.36%
0.36%
0.36%
0.36%
0.36%
0.00%
0.02%
0.06%
0.06%
0.05%
0.06%
0.06%
0.06%
0.06%
0.05%
0.05%
0.04%
0.03%
0.00%
0.02%
0.01%
Public
20.37%
23.16%
25.24%
26.17%
28.01%
36.34%
35.51%
29.41%
33.33%
31.71%
27.44%
27.69%
30.96%
28.62%
34.93%
41.93%
38.67%
28.75%
27.12%
24.50%
23.89%
9.12%
Others
57.44%
56.50%
52.41%
54.03%
52.79%
51.85%
50.82%
50.35%
48.17%
51.85%
54.58%
53.99%
23.33%
22.20%
23.39%
26.61%
25.71%
18.93%
21.73%
13.54%
12.54%
5.05%
No. of Shareholders
3,22,472
3,82,384
4,08,351
4,73,495
4,67,415
5,37,178
4,94,291
4,16,592
4,04,438
3,79,536
3,51,119
3,44,856
3,58,110
3,64,380
4,22,544
4,77,124
4,52,790
3,86,691
3,47,292
3,38,555
3,23,042
3,20,984

Documents

Frequently Asked Questions about RBL Bank Ltd

What does RBL Bank Ltd do?
Incorporated in 1943,RBL Bank is a banking company engaged in providing specialized services under five business verticals namely: Corporate Banking, Commercial Banking, Branch & Business Banking, Retail Assets and Treasury & Financial Markets Operations.[1][2]
Where is RBL Bank Ltd (RBLBANK) listed?
RBL Bank Ltd is listed on the Indian stock exchanges. It is listed on NSE: RBLBANK and BSE: 540065. You can view its live share price, financials, and ratios on Tapetide.
Which sector does RBL Bank Ltd belong to?
RBL Bank Ltd operates in the Banks sector within the Private Bank industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of RBL Bank Ltd?
RBL Bank Ltd has a market capitalisation of approximately ₹59844.03 Cr. Based on this, it is classified as a Large Cap stock.
What is the PE ratio of RBL Bank Ltd?
The Price-to-Earnings (PE) ratio of RBL Bank Ltd is 32.79. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of RBL Bank Ltd?
Over the past 52 weeks, RBL Bank Ltd has traded between a low of ₹243.25 and a high of ₹392.7. This range helps investors understand the stock's price volatility and recent trading levels.
Does RBL Bank Ltd pay dividends?
Yes, RBL Bank Ltd has a dividend yield of 0.26%. Dividend yield indicates the annual dividend income relative to the share price. A consistent dividend history can signal financial stability.
What is the Return on Equity (ROE) of RBL Bank Ltd?
RBL Bank Ltd has a Return on Equity (ROE) of 5.26%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research RBL Bank Ltd on Tapetide?
On Tapetide, you can view RBL Bank Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.

Company Information

Incorporated in 1943,RBL Bank is a banking company engaged in providing specialized services under five business verticals namely: Corporate Banking, Commercial Banking, Branch & Business Banking, Retail Assets and Treasury & Financial Markets Operations.[1][2]

Website rblbank.com
CEO Mr. R. Subramaniakumar
Employees 26,595
Listed 2016-08-31
Face Value ₹ 10
Issued Size 61,71,56,479

Explore More

More in Banks → FII DII Data Stock Screener Nifty 50 Heatmap F&O Ban List