RBL Bank Ltd
- Market Cap ₹ 19,914 Cr.
- Current Price ₹ 325
- High / Low ₹ 329 / 146
- Stock P/E 36.8
- Book Value ₹ 263
- Dividend Yield 0.31 %
- ROCE 6.06 %
- ROE 4.69 %
- Face Value ₹ 10.0
Pros
- Company's working capital requirements have reduced from 162 days to 92.4 days
Cons
- Company has low interest coverage ratio.
- Tax rate seems low
- Company has a low return on equity of 6.82% over last 3 years.
- Contingent liabilities of Rs.1,12,211 Cr.
- Company might be capitalizing the interest cost
- Earnings include an other income of Rs.4,080 Cr.
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Financial Services Financial Services Banks Private Sector Bank
Part of BSE 500 Nifty 500 BSE SmallCap Nifty High Beta 50 Nifty Alpha 50
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
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 | TTM | |
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3,713 | 4,561 | 6,302 | 8,779 | 8,676 | 8,445 | 9,677 | 12,394 | 14,041 | 13,962 | |
Interest | 2,492 | 2,741 | 3,761 | 4,885 | 4,539 | 4,148 | 4,679 | 6,350 | 7,576 | 7,781 |
1,234 | 1,827 | 2,559 | 4,919 | 5,129 | 6,674 | 6,071 | 7,520 | 9,312 | 9,823 | |
Financing Profit | -12 | -6 | -17 | -1,025 | -993 | -2,378 | -1,073 | -1,477 | -2,847 | -3,642 |
Financing Margin % | -0% | -0% | -0% | -12% | -11% | -28% | -11% | -12% | -20% | -26% |
755 | 1,069 | 1,441 | 1,918 | 1,875 | 2,352 | 2,507 | 3,060 | 3,778 | 4,080 | |
Depreciation | 62 | 89 | 126 | 146 | 170 | 180 | 213 | 235 | 236 | 0 |
Profit before tax | 681 | 974 | 1,298 | 747 | 712 | -206 | 1,221 | 1,349 | 696 | 439 |
Tax % | 35% | 34% | 34% | 33% | 26% | -20% | 25% | 7% | -3% | |
447 | 633 | 861 | 500 | 529 | -166 | 920 | 1,260 | 717 | 541 | |
EPS in Rs | 11.91 | 15.05 | 20.10 | 9.83 | 8.85 | -2.77 | 15.34 | 20.82 | 11.80 | 8.87 |
Dividend Payout % | 15% | 14% | 13% | 15% | 0% | 0% | 10% | 7% | 8% |
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | 10% |
3 Years: | 18% |
TTM: | 3% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | 7% |
3 Years: | 85% |
TTM: | -55% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | 13% |
3 Years: | 35% |
1 Year: | 94% |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | 5% |
3 Years: | 7% |
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 | Sep 2025 | |
---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 375 | 420 | 427 | 509 | 598 | 600 | 600 | 605 | 608 | 613 |
Reserves | 3,961 | 6,261 | 7,108 | 10,056 | 12,068 | 11,931 | 12,926 | 14,232 | 15,062 | 15,507 |
Deposits | 34,588 | 43,883 | 58,358 | 57,812 | 73,055 | 79,006 | 84,875 | 103,470 | 110,933 | 116,636 |
Borrowing | 7,980 | 9,261 | 11,832 | 17,007 | 11,226 | 11,098 | 13,332 | 14,185 | 13,735 | 15,225 |
1,771 | 2,052 | 2,673 | 3,600 | 3,672 | 3,528 | 4,074 | 5,961 | 6,435 | 6,058 | |
Total Liabilities | 48,676 | 61,877 | 80,398 | 88,983 | 100,619 | 106,163 | 115,806 | 138,454 | 146,772 | 154,040 |
224 | 327 | 416 | 471 | 511 | 538 | 594 | 591 | 638 | 564 | |
CWIP | 35 | 31 | 40 | 62 | 24 | 82 | 45 | 7 | 7 | 0 |
Investments | 13,482 | 15,397 | 16,745 | 18,055 | 23,085 | 22,129 | 28,730 | 29,478 | 32,103 | 28,767 |
34,934 | 46,122 | 63,196 | 70,396 | 76,998 | 83,414 | 86,436 | 108,378 | 114,025 | 124,709 | |
Total Assets | 48,676 | 61,877 | 80,398 | 88,983 | 100,619 | 106,163 | 115,806 | 138,454 | 146,772 | 154,040 |
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 | |
---|---|---|---|---|---|---|---|---|---|
3,434 | -2,556 | 78 | -5,173 | 7,631 | 6,449 | -11,031 | 4,955 | -824 | |
-142 | -165 | -202 | -223 | -174 | -264 | -234 | -193 | -281 | |
-1,656 | 2,994 | 2,567 | 7,698 | -4,207 | -109 | 2,235 | 843 | -503 | |
Net Cash Flow | 1,635 | 273 | 2,443 | 2,302 | 3,251 | 6,076 | -9,030 | 5,604 | -1,608 |
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 | |
---|---|---|---|---|---|---|---|---|---|
ROE % | 11% | 12% | 6% | 5% | -1% | 7% | 9% | 5% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Newspaper Publication
18h - RBL Bank Limited informs the exchange about copy of Newspaper Publication
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Announcement under Regulation 30 (LODR)-Newspaper Publication
1d - RBL Bank Limited informs the exchange about copy of newspaper publication.
- RBL Bank Limited Informs The Exchange About Notice Of Extraordinary General Meeting 1d
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Announcement under Regulation 30 (LODR)-Newspaper Publication
2d - RBL Bank Limited informs the exchange about copy of Newspaper Publication.
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
2d - Audio recording and transcript of Oct 19, 2025 earnings call for quarter and half-year ended Sept 30, 2025 posted online.
Annual reports
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Financial Year 2025
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Financial Year 2024
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Concalls
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Oct 2025TranscriptNotesPPT REC
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Oct 2016Transcript PPT
Business Profile[1]
RBL Bank Limited is headquartered in Mumbai. It operates across retail and wholesale banking segments, with a focus on secured retail and commercial banking.