RBL Bank Ltd logo

RBL Bank Ltd

RBLBANK NSE

Key Fundamentals

MidcapPrivate BankBanks
Market Cap
₹59,658 Cr
Volatility
Moderate
P/E Ratio
32.5
EBITDA
₹1,353 Cr
Return on Equity
5.26%
Debt to Equity
0
Book Value
₹275.74
EPS
₹21.3
52W High
₹394.5
52W Low
₹243.25

Insights

Beta

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

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51 extracted metrics + investor summaries across FY15–FY26.

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Tapetide Score

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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 178 days to 280 days

Growth Rate

Revenue Growth
3.62% ↗
Net Income Growth
22.58% ↗
Cash Flow Change
1014.58% ↗
ROE
14.85% ↗
ROCE
-10.99% ↘
EBITDA Margin (Avg.)
5.82% ↗

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 6d ago
AI opinion · based on fundamentals
Risk high

RBL Bank trades at a market cap of Rs.60,045 Cr with a PE of 65.7x and PB of 1.38x. The bank has delivered weak return on equity of around 5-6% over 3-5 years, while its stock has appreciated 49% in the last year despite muted 5% TTM sales growth and significant contingent liabilities of Rs.1,45,506 Cr.

Bull Case 7
  • Stock CAGR of 49% over 1 year indicates strong momentum and re-rating by the market
  • Promoter holding increased by 60% over the last quarter, signaling insider confidence in the bank's turnaround
  • TTM profit growth of 67% shows a sharp earnings recovery trajectory
  • 10-year compounded sales growth of 18% demonstrates long-term franchise-building capability
  • Price-to-book of 1.38x is relatively modest for a mid-size private bank, leaving room for re-rating if ROE improves
  • 5-year stock CAGR of 19% and 3-year CAGR of 20% show consistent long-term wealth creation despite interim volatility
  • 10-year compounded profit growth of 11% indicates the bank has scaled earnings meaningfully over a longer horizon
Bear Case 8
  • ROE of just 5-6% over 3-5 years is well below the 12-15% typically expected from private banks, indicating poor capital efficiency
  • PE of 65.7x is extremely elevated for a bank with single-digit ROE, implying high expectations baked into the price
  • Contingent liabilities of Rs.1,45,506 Cr are over 2.4x the market cap, posing a material tail risk
  • 5-year compounded sales growth of only 11.5% is weak relative to faster-growing private sector peers
  • Low interest coverage ratio suggests vulnerability to credit cost spikes or margin compression
  • Working capital days have increased from 185 to 285 days, indicating deteriorating asset-liability efficiency
  • Dividend payout of just 8.01% of profits over last 3 years offers minimal income return with dividend yield at only 0.26%
  • 3-year compounded profit growth is negative at -2%, showing earnings were volatile and inconsistent in the medium term

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

AI News Digest

Anthropic anthropic claude-opus-4.6 4h ago
Neutral 5
  • Global investor roadshow planned Aug 25

    RBL Bank scheduled physical investor group meetings in Singapore (Aug 31) and Hong Kong (Sep 1), following a London meet on Aug 27, signaling active international investor outreach.

  • Debt investor meetings in UAE Aug 19

    RBL Bank announced physical debt investor group meetings on Aug 24-25 in UAE, suggesting potential debt capital market activity.

  • Record date for FY26 dividend Aug 6

    RBL Bank fixed Aug 14, 2026 as record date for FY26 final dividend, with 83rd AGM scheduled for Sep 2, 2026.

  • BRSR report published for FY26 Aug 7

    RBL Bank released its Business Responsibility and Sustainability Report for FY 2025-26 covering ESG metrics, GHG emissions, and CSR compliance.

  • Multiple domestic analyst meets Aug 19

    Bank held several one-on-one investor meetings in Jul-Aug 2026 with firms including Prabhudas Lilladher, GeeCee Investments, RBC Global, Millenium Partners, Breakout Capital, and Gaja Capital.

TL;DR: RBL Bank is conducting an extensive investor outreach campaign across domestic and international markets (London, Singapore, Hong Kong, UAE) during Jul-Aug 2026. No material positive or negative developments were disclosed — all meetings confirmed no unpublished price-sensitive information was shared. The active engagement suggests management is focused on broadening its investor base, which could support liquidity and sentiment going forward.

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
-846
7,577
Investing
-58
-60
-142
-162
-190
-206
-157
-246
-223
-172
-258
-189
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
10,547
Free Cash Flow
-2,319
-4,445
3,291
-2,690
-221
-5,290
7,440
6,203
-11,267
4,763
-1,109
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 ₹59658.20 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 32.50. 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 ₹394.5. 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

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