Results Snapshot
Figures in Cr
Standalone Half Yearly Results
Sep'25
Sep'24
Sep'23
Sep'22
Sep'21
Sep'20
Sep'19
Interest Earned
6,948.56
7,027.17
5,863.83
4,536.50
4,000.63
4,356.08
4,148.82
Income On Investments
1,068.85
1,050.39
1,019.19
776.42
683.55
667.56
679.28
Interest On Balances With Rbi Other Inter Bank Funds
131.57
160.42
62.71
170.90
145.64
183.32
98.22
Interest / Discount On Advances / Bills
5,640.28
5,579.22
4,700.46
3,549.48
3,085.98
3,446.18
3,338.85
Others
107.86
237.14
81.47
39.70
85.46
59.02
32.47
Other Income
2,002.18
1,732.82
1,389.85
1,196.89
1,246.21
759.32
922.74
Total Income
8,950.74
8,759.99
7,253.68
5,733.39
5,246.84
5,115.40
5,071.56
Interest Expended
3,917.22
3,712.23
2,966.65
2,172.86
2,115.65
2,382.71
2,462.81
Net Interest Income
3,031.34
3,314.94
2,897.18
2,363.64
1,884.98
1,973.37
1,686.01
Total Expenditure (Excl Depreciation)
3,602.18
3,278.79
2,908.56
2,519.06
1,674.07
1,353.43
1,363.08
Employee Cost
959.46
833.44
715.89
650.03
469.17
427.66
380.60
Other Operating Expenses
2,642.72
2,445.35
2,192.67
1,869.03
1,204.90
925.77
982.48
Operating Profit Before Provisions and Contingencies
1,431.34
1,768.97
1,378.47
1,041.47
1,457.12
1,379.26
1,245.67
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
942.02
984.62
906.54
494.50
2,035.85
995.51
737.53
Profit Before Tax
489.32
784.35
471.93
546.97
-578.73
383.75
508.14
Tax
110.47
190.31
-110.26
144.26
-150.06
98.37
186.78
Profit After Tax
378.85
594.04
582.19
402.71
-428.67
285.38
321.36
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
378.85
594.04
582.19
402.71
-428.67
285.38
321.36
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Earnings per share (EPS)
6.18
9.78
9.68
6.72
-7.15
5.6
7.46
Diluted Earnings per share
6.14
9.67
9.59
6.71
-7.16
5.6
7.42
Operating Profit Margin (Excl OI)
34.6%
39.33%
34.94%
33.57%
7.27%
46.08%
49.37%
Gross Profit Margin
7.04%
11.16%
8.05%
12.06%
-14.47%
8.81%
12.25%
PAT Margin
5.45%
8.45%
9.93%
8.88%
-10.72%
6.55%
7.75%
Net Interest Margin
0.0%
0.0%
0.0%
4.5%
4.2%
4.65%
4.33%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
31.9%
33.6%
35.7%
36.2%
35.4%
30.1%
26.5%
CASA Amount
37,169.00
36,224.00
32,089.00
0.00
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
14.71%
15.39%
16.48%
16.91%
16.33%
16.09%
11.88%
Capital Adequacy Ratio (Tier 1)
13.51%
14.19%
15.15%
15.9%
15.5%
15.1%
11.3%
Provision Coverage Ratio (%)
75.92%
72.98%
75.6%
67.8%
76.6%
74.8%
58.45%
Amount of Gross NPAs
2,377.56
2,581.08
2,440.66
2,456.60
3,130.93
1,911.72
1,539.10
Amount of Net NPAs
572.41
697.51
594.50
790.23
1,200.43
775.77
912.30
% of Net NPAs
0.57%
0.79%
0.78%
1.26%
2.14%
1.38%
1.56%
% of Gross NPAs
2.32%
2.88%
3.12%
3.8%
5.4%
3.34%
2.6%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
415.0
406.0
408.0
413.0
386.0
402.0
394.0
Number of Branches
564.0
550.0
528.0
507.0
445.0
399.0
346.0
Half Yearly Analysis Highlights
Interest Earned
Growth in half year ended Sep 2025 is -1.12% vs 19.84% in Sep 2024
Net Profit
Growth in half year ended Sep 2025 is -36.22% vs 2.04% in Sep 2024
Operating Profit (PBDIT)
Growth in half year ended Sep 2025 is -19.09% vs 28.33% in Sep 2024
% of Net NPAs
Growth in half year ended Sep 2025 is -0.22% vs 0.01% in Sep 2024
% of Gross NPAs
Growth in half year ended Sep 2025 is -0.56% vs -0.24% in Sep 2024
Compare Half Yearly Results Of RBL Bank With
Figures in Cr
Standalone Half Yearly Results
Change(INR)
Change(%)
Interest Earned
6,948.56
3,258.46
3,690.10
113.25%
Income On Investments
1,068.85
573.97
494.88
86.22%
Interest On Balances With Rbi Other Inter Bank Funds
131.57
55.00
76.57
139.22%
Interest / Discount On Advances / Bills
5,640.28
2,621.98
3,018.30
115.12%
Others
107.86
7.52
100.34
1334.31%
Other Income
2,002.18
503.01
1,499.17
298.04%
Total Income
8,950.74
3,761.46
5,189.28
137.96%
Interest Expended
3,917.22
1,966.63
1,950.59
99.18%
Net Interest Income
3,031.34
1,291.83
1,739.51
134.65%
Total Expenditure (Excl Depreciation)
3,602.18
873.32
2,728.86
312.47%
Employee Cost
959.46
424.96
534.50
125.78%
Other Operating Expenses
2,642.72
448.36
2,194.36
489.42%
Operating Profit Before Provisions and Contingencies
1,431.34
921.51
509.83
55.33%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
942.02
127.00
815.02
641.75%
Profit Before Tax
489.32
794.51
-305.19
-38.41%
Tax
110.47
160.00
-49.53
-30.96%
Profit After Tax
378.85
634.51
-255.66
-40.29%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
378.85
634.51
-255.66
-40.29%
Face Value
10.00
1.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
6.18
8.56
-2.38
-27.8%
Diluted Earnings per share
6.14
8.51
-2.37
-27.85%
Operating Profit Margin (Excl OI)
34.60%
69.30%
0.00
-34.70%
Gross Profit Margin
7.04%
24.38%
0.00
-17.34%
PAT Margin
5.45%
19.47%
0.00
-14.02%
Net Interest Margin
0.00%
0.00%
0.00
0.00%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
31.90%
0.00%
31.90
31.90%
CASA Amount
37,169.00
0.00
37,169.00
Capital Adequacy Ratio (Total)
14.71%
21.68%
-6.97
-6.97%
Capital Adequacy Ratio (Tier 1)
13.51%
0.00%
13.51
13.51%
Provision Coverage Ratio (%)
75.92%
0.00%
75.92
75.92%
Amount of Gross NPAs
2,377.56
1,393.22
984.34
70.65%
Amount of Net NPAs
572.41
512.86
59.55
11.61%
% of Net NPAs
0.57%
0.90%
-0.33
-0.33%
% of Gross NPAs
2.32%
2.42%
-0.10
-0.10%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
415.00
0.00
415.00
Number of Branches
564.00
0.00
564.00
Half Yearly - Interest Earned
Interest Earned 6948.56 Cr
in Sep 2025Figures in Cr
Growth in half year ended Sep 2025 is -1.12% vs 19.84% in Sep 2024
Half Yearly - Net Profit
Net Profit 378.85 Cr
in Sep 2025Figures in Cr
Growth in half year ended Sep 2025 is -36.22% vs 2.04% in Sep 2024
Half Yearly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 1,431.34 Cr
in Sep 2025Figures in Cr
Growth in half year ended Sep 2025 is -19.09% vs 28.33% in Sep 2024
Half Yearly - % of Net NPAs
% of Net NPAs 0.57%
in Sep 2025Figures in %
Growth in half year ended Sep 2025 is -0.22% vs 0.01% in Sep 2024
Half Yearly - % of Gross NPAs
% of Gross NPAs 2.32%
in Sep 2025Figures in %
Growth in half year ended Sep 2025 is -0.56% vs -0.24% in Sep 2024






