RBL Bank

Why is RBL Bank Ltd falling/rising?

As of 08-Aug, RBL Bank Ltd's stock price is 387.10, down 0.49%. Despite recent short-term declines, the stock has strong long-term growth indicators, including a 22.64% year-to-date increase and a high Capital Adequacy Ratio of 18.23%, suggesting it remains a solid investment option.

As of 08-Aug, RBL Bank Ltd's stock price is currently at 387.10, reflecting a decrease of 1.9, or 0.49%. Despite this recent decline, the stock has shown strong performance over various periods, with a year-to-date increase of 22.64% and a remarkable 44.71% rise over the past year, significantly outperforming the benchmark Sensex, which has fallen by 7.89% during the same timeframe.<BR><BR>The stock's recent performance indicates a consecutive fall over the last two days, resulting in a total decline of 0.69%. This short-term drop may be attributed to a decrease in investor participation, as evidenced by a 54.89% drop in delivery volume compared to the 5-day average. However, the stock remains liquid enough for trading, indicating that it is still actively traded despite the recent downturn.<BR><BR>On a positive note, RBL Bank Ltd has a high Capital Adequacy Ratio of 18.23%, which provides a strong buffer against risks. The company has also demonstrated healthy long-term growth, with a net profit growth rate of 62.77% annually and positive results for the last three consecutive quarters. Additionally, the promoters have increased their stake in the company by 60%, reflecting strong confidence in its future prospects.<BR><BR>Overall, while the stock is experiencing a slight decline in the short term, its long-term performance and positive indicators suggest that it remains a strong investment option.

Which are the latest news on RBL Bank?

Are RBL Bank Ltd latest results good or bad?

RBL Bank Ltd's Q1 FY27 results are generally positive, with a 26.64% increase in net profit and improved asset quality, as evidenced by a GNPA ratio of 1.30%. However, concerns about its high valuation and modest return on equity may warrant caution for potential investors.

RBL Bank Ltd's latest results for Q1 FY27 can be considered good overall. The bank reported a net profit of ₹253.70 crores, which is a significant increase of 26.64% year-on-year, marking the highest quarterly profit in its recent history. Additionally, interest earned rose to ₹3,840.25 crores, reflecting a 6.41% year-on-year growth, and net interest income increased by 11.74% to ₹1,654.45 crores.<BR><BR>One of the standout features of this quarter's performance is the improvement in asset quality, with the gross non-performing asset (GNPA) ratio dropping to 1.30%, the lowest level in the bank's history. This improvement indicates effective management of credit risk and a healthier loan portfolio.<BR><BR>However, there are some concerns as well. The bank's valuation appears stretched, trading at a price-to-earnings ratio of 64.78, which is significantly higher than many of its peers. Additionally, the return on equity (ROE) stands at a modest 5.01%, which is below the average for its competitors.<BR><BR>In summary, while RBL Bank has shown strong operational momentum and significant improvements in profitability and asset quality, its high valuation and relatively low profitability metrics may raise caution for potential investors. Overall, the results reflect a positive trajectory, but the stock's valuation presents a mixed picture.

Should I buy, sell or hold RBL Bank Ltd?

When is the next results date for RBL Bank Ltd?

The next results date for RBL Bank Ltd is July 17, 2026.

The next results date for RBL Bank Ltd is scheduled for July 17, 2026.

What does RBL Bank do?

RBL Bank Ltd, formerly Ratnakar Bank, is a rapidly growing private sector bank in India, offering diverse banking services. As of March 2026, it reported net sales of ₹3,720.25 Cr and a net profit of ₹230 Cr, with a market cap of ₹22,352 Cr.

Overview: <BR>RBL Bank Ltd is one of India's fastest growing private sector banks, providing a wide range of banking and financial services in the small-cap market.<BR><BR>History: <BR>RBL Bank Limited, formerly known as Ratnakar Bank, was incorporated in 1943 in Kolhapur, Maharashtra. The latest quarterly results reported are for March 2026, showing sales and profit figures.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 3,720.25 Cr (Quarterly Results - Mar 2026) <BR>Most recent Net Profit: 230 Cr (Quarterly Results - Mar 2026) <BR>Market-cap value: INR 22,352 Cr (Small Cap)<BR><BR>Key Metrics: <BR>Industry: Private Sector Bank <BR>Dividend Yield: 0.27% <BR>CAR: 12.77% <BR>Return on Assets: 0.46% <BR>Net NPA: 0.39% <BR>Gross NPA: 1.45% <BR><BR>Contact Details: <BR>Address: 1st Lane Shahupuri, Kolhapur Maharashtra: 416001 <BR>Tel: 91-231-2653006 <BR>Email: investorgrievances@rblbank.com/cust <BR>Website: http://www.rblbank.com

How big is RBL Bank?

As of 10th June, RBL Bank Ltd has a market capitalization of 22,352.00 Cr, classifying it as a Small Cap company. The net profit for the latest four quarters was 822.44 Cr, with shareholder's funds at 15,606.78 Cr and total assets valued at 1,46,752.47 Cr.

As of 10th June, RBL Bank Ltd has a market capitalization of 22,352.00 Cr, categorizing it as a Small Cap company.<BR><BR>In the latest four quarters, RBL Bank reported net sales of 0.00 Cr, indicating a lack of valid data for this metric. The net profit for the same period was 822.44 Cr.<BR><BR>The latest annual reporting period for the balance sheet is March 2025. Shareholder's funds stood at 15,606.78 Cr, while total assets were valued at 1,46,752.47 Cr.

Who are in the management team of RBL Bank?

The management team of RBL Bank includes R. Subramaniakumar (MD & CEO), Rajeev Ahuja (Executive Director), and several Independent and Non-Executive Directors, bringing diverse expertise to the bank's leadership.

The management team of RBL Bank includes the following key members:<BR><BR>1. **R. Subramaniakumar** - Managing Director & CEO<BR>2. **Rajeev Ahuja** - Executive Director<BR>3. **Prakash Chandra** - Independent Non-Executive Director<BR>4. **Ishan Raina** - Independent Non-Executive Director<BR>5. **Veena Vikas Mankar** - Non-Executive & Non-Independent Director<BR>6. **Ranjana Agarwal** - Independent Non-Executive Director<BR>7. **Vimal Bhandari** - Non-Executive & Non-Independent Director<BR>8. **Somnath Ghosh** - Independent Non-Executive Director<BR>9. **Chandan Sinha** - Independent Non-Executive Director<BR>10. **Manjeev Singh Puri** - Independent Non-Executive Director<BR>11. **Yogesh Kumar Dayal** - Additional Director<BR>12. **G. Sivakumar** - Independent Non-Executive Director<BR>13. **Gopal Jain** - Non-Executive & Non-Independent Director<BR><BR>This diverse team brings a range of expertise and experience to the bank's leadership.

Who are the peers of the RBL Bank?

RBL Bank's peers include Yes Bank, IndusInd Bank, IDFC First Bank, Bandhan Bank, and others. In terms of management risk, RBL Bank has an average rating, with good growth and capital structure ratings compared to its peers.

Peers: The peers of RBL Bank are Yes Bank, IndusInd Bank, IDFC First Bank, Bandhan Bank, Karur Vysya Bank, City Union Bank, J&K Bank, T N Merc. Bank, South Ind.Bank, and Karnataka Bank.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bandhan Bank and Karur Vysya Bank, while Good management risk is found at IndusInd Bank, City Union Bank, J&K Bank, and South Ind.Bank, and Average management risk is present at Yes Bank, IDFC First Bank, T N Merc. Bank, and RBL Bank. Growth ratings show Excellent growth at IDFC First Bank and Karur Vysya Bank, Good growth at RBL Bank, Yes Bank, and City Union Bank, while Below Average growth is seen at IndusInd Bank and Bandhan Bank, and Average growth is found at T N Merc. Bank. Capital Structure is Excellent for IndusInd Bank, Bandhan Bank, Karur Vysya Bank, City Union Bank, South Ind.Bank, and T N Merc. Bank, Good for Yes Bank, IDFC First Bank, and RBL Bank, and Average for the rest.<BR><BR>Return Snapshot: The peer with the highest 1-year return is T N Merc. Bank at 69.28%, while the lowest is IDFC First Bank at 2.27%. RBL Bank's 1-year return of 64.20% is significantly higher than IDFC First Bank's. Additionally, IDFC First Bank and Karur Vysya Bank have negative six-month returns.

Is RBL Bank overvalued or undervalued?

As of December 4, 2025, RBL Bank is considered overvalued with a PE ratio of 38.32 and a low ROE of 3.03%, despite an 88.83% year-to-date return, especially when compared to peers like HDFC Bank and ICICI Bank, which have lower PE ratios.

As of 4 December 2025, RBL Bank's valuation grade has moved from very expensive to expensive, indicating a slight improvement in its perceived value. However, the bank is still considered overvalued based on its current metrics. The PE ratio stands at 38.32, while the Price to Book Value is 1.16, and the PEG ratio is at 0.00, suggesting that the stock may not be justified at its current price level.<BR><BR>In comparison to its peers, RBL Bank's PE ratio is significantly higher than that of HDFC Bank at 21.56 and ICICI Bank at 20.01, both of which are also categorized as expensive. Additionally, RBL Bank's return on equity (ROE) is relatively low at 3.03%, which raises concerns about its profitability compared to the industry. Although RBL Bank has outperformed the Sensex with a year-to-date return of 88.83% versus the Sensex's 9.12%, the overall valuation still leans towards overvaluation given the high PE ratio and low ROE.

Is RBL Bank technically bullish or bearish?

As of December 4, 2025, RBL Bank's technical trend is mildly bullish, supported by daily moving averages and Bollinger Bands, though caution is advised due to mixed signals from weekly indicators.

As of 4 December 2025, the technical trend has changed from bullish to mildly bullish. The current technical stance for RBL Bank is mildly bullish, driven by the daily moving averages indicating mild bullishness and the Bollinger Bands showing a mildly bullish trend on both weekly and monthly time frames. However, the weekly MACD and KST are mildly bearish, which suggests some caution. The overall strength of the bullish stance is tempered by the mixed signals from the weekly indicators, while the monthly indicators remain more positive.

How has been the historical performance of RBL Bank?

RBL Bank has experienced steady growth in income and deposits, with interest earned rising from ₹8,514.38 crore in March 2020 to ₹14,039.07 crore in March 2025. However, profitability has declined, with profit before tax dropping from ₹1,299.15 crore in March 2019 to ₹668.13 crore in March 2025.

Answer:<BR>The historical performance of RBL Bank shows a mixed trend over the years, with significant fluctuations in key financial metrics.<BR><BR>Breakdown:<BR>RBL Bank's interest earned has increased from 8,514.38 crore in March 2020 to 14,039.07 crore in March 2025, reflecting a steady growth in income on investments and interest on advances. The total income rose from 7,743.08 crore in March 2019 to 17,845.25 crore in March 2025, while net interest income also grew from 3,629.64 crore to 6,463.02 crore during the same period. However, profit before tax saw a decline from 1,299.15 crore in March 2019 to 668.13 crore in March 2025, with profit after tax following a similar trend, peaking at 1,167.92 crore in March 2024 before dropping to 695.37 crore in March 2025. The bank's total liabilities increased significantly from 88,977.77 crore in March 2020 to 1,46,752.47 crore in March 2025, driven by a rise in deposits from 57,812.22 crore to 1,10,943.53 crore. Despite these increases, the bank's cash flow showed volatility, with a net decrease in cash and cash equivalents of 1,607 crore in March 2025, contrasting with a net increase of 5,604 crore in March 2024. Overall, while RBL Bank has shown growth in income and deposits, its profitability has faced challenges in recent years.

Who are the top shareholders of the RBL Bank?

The top shareholders of RBL Bank include mutual funds with 29.19%, Foreign Institutional Investors (FIIs) at 17.56%, and individual investors holding 28.75%. Notably, there are no pledged promoter holdings, and the highest public shareholder is Quant Mutual Fund with a minimal stake of 0%.

The top shareholders of RBL Bank include a diverse mix of institutional and individual investors. Notably, mutual funds hold a significant portion, with 35 schemes collectively owning 29.19% of the bank's shares. Foreign Institutional Investors (FIIs) also have a substantial stake, accounting for 17.56% through 191 different entities. Individual investors represent 28.75% of the shareholding. Interestingly, there are no pledged promoter holdings, and the highest public shareholder is Quant Mutual Fund, although their stake is minimal at 0%.

Has RBL Bank declared dividend?

Yes, RBL Bank has declared a 15% dividend, amounting to ₹1.5 per share, with an ex-date of July 26, 2024. The bank has shown varying total returns across different periods, with notable gains over the long term despite some short-term declines.

RBL Bank Ltd has declared a 15% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 15%<BR>- Amount per share: 1.5<BR>- Ex-date: 26 Jul 24<BR><BR>Dividend Yield: 0.72%.<BR><BR>Total Returns by Period:<BR>In the 6-month period, RBL Bank experienced a price return of 24.39% with no dividend return, resulting in a total return of 24.39%.<BR><BR>For the 1-year period, the price return was -10.97%, with a dividend return of 0.59%, leading to a total return of -10.38%.<BR><BR>Over the 2-year period, the price return stood at 23.72%, with a dividend return of 1.74%, culminating in a total return of 25.46%.<BR><BR>In the 3-year period, RBL Bank achieved a remarkable price return of 99.54% and a dividend return of 3.51%, resulting in a total return of 103.05%.<BR><BR>For the 4-year period, the price return was modest at 1.05%, with a dividend return of 1.40%, leading to a total return of 2.45%.<BR><BR>In the 5-year period, the price return was 71.88%, alongside a dividend return of 1.69%, resulting in a total return of 73.57%.<BR><BR>Overall, RBL Bank has declared a dividend and has shown varying total returns across different periods, with significant gains in the longer-term periods despite some negative performance in the shorter term.