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RBL Bank Q4 FY26: Net profit ₹22,971 lakh

April 25, 2026 3 mins read Firehose Gupta

RBL Bank Limited — Quarter and year ended March 31, 2026 (audited)

Optional commentary: Figures are in ₹ lakh unless otherwise stated.

Sr. No. Particulars Quarter ended 31.03.2026 (Audited) Quarter ended 31.12.2025 (Unaudited) Quarter ended 31.03.2025 (Audited) Year ended 31.03.2026 (Audited) Year ended 31.03.2025 (Audited)
1 Interest earned (a)+(b)+(c)+(d) 372,025 366,674 347,557 1,433,555 1,403,907
(a) Interest/discount on advances/bills 300,943 301,024 279,945 1,165,995 1,122,476
(b) Income on investments 55,497 52,162 56,365 214,544 214,728
(c) Interest on balances with Reserve Bank of India and other inter-bank funds 11,178 7,936 5,469 32,271 30,245
(d) Others 4,407 5,552 5,778 20,745 36,458
2 Other Income (Refer Note 8) 106,896 105,026 100,003 412,140 380,618
3 Total Income (1+2) 478,921 471,700 447,560 1,845,695 1,784,525
4 Interest Expended 204,929 200,950 191,255 797,601 757,605
5 Operating Expenses (i)+(ii) 178,454 179,507 170,186 718,179 664,241
(i) Employees cost (Refer Note 7) 48,217 50,243 44,800 194,406 173,444
(ii) Other operating expenses 130,237 129,264 125,386 523,773 490,797
6 Total Expenditure (4+5) excluding provisions and contingencies 383,383 380,457 361,441 1,515,780 1,421,846
7 Operating Profit before provisions and contingencies (3-6) 95,538 91,243 86,119 329,915 362,679
8 Provisions (other than tax) and Contingencies 67,832 63,927 78,514 225,961 295,866
9 Exceptional Items – – – – –
10 Profit (+)/ Loss (-) from Ordinary Activities before tax (7-8-9) 27,706 27,316 7,605 103,954 66,813
11 Tax expense 4,735 5,928 735 21,710 (2,724)
12 Net Profit (+)/ Loss (-) from Ordinary Activities after tax (10-11) 22,971 21,388 6,870 82,244 69,537
13 Extraordinary items (net of tax expense) – – – – –
14 Net Profit (+)/ Loss (-) for the period (12-13) 22,971 21,388 6,870 82,244 69,537
15 Paid-up equity share capital (Face Value of ₹ 10/- each) 61,811 61,716 60,788 61,811 60,788
16 Reserves excluding Revaluation Reserves – – – 1,598,631 1,499,842
17 Analytical Ratios
(i) Percentage of shares held by Government of India Nil Nil Nil Nil Nil
(ii) Capital Adequacy Ratio (%) – under Basel III 14.25 14.47 15.54 14.25 15.54
(iii) Earnings Per Share (EPS) – (Basic and Diluted) ₹
(a) – Basic EPS before / after Extraordinary items (not annualized) 3.72 3.48 1.13 13.42 11.45
(b) – Diluted EPS before / after Extraordinary items (not annualized) 3.67 3.42 1.13 13.18 11.40
Sr. No. Particulars Standalone Quarter ended Standalone Year ended
31.03.2026 Audited (Refer Note 3) 31.12.2025 Unaudited
(iv) NPA Ratios (Refer Note 17)
(a) Gross NPA 167,495 196,146
Net NPA 44,273 56,699
(b) Gross NPA % 1.45 1.88
Net NPA % 0.39 0.55
(v) Return on Assets % (annualised) 0.55 0.55
(vi) Net worth¹ 1,601,370 1,513,925
(vii) Outstanding redeemable preference shares – –
(viii) Capital Redemption Reserve – –
(ix) Debt-equity ratio² 1.01 0.91
(x) Total debts to Total Assets² 9.29% 9.46%
Particulars As at 31.03.2026 Audited As at 31.03.2025 Audited
CAPITAL AND LIABILITIES
Capital 61,811 60,788
Employees stock options outstanding 17,527 16,987
Reserves and Surplus 1,581,152 1,482,904
Deposits 13,901,758 11,094,353
Borrowings 1,679,449 1,373,384
Other Liabilities and Provisions 826,784 644,132
Total 18,068,481 14,672,548
ASSETS
Cash and Balances with Reserve Bank of India 1,401,160 1,096,476
Balances with banks and money at call and short notice 905,277 159,485
Investments 3,207,823 3,216,475
Advances 11,423,194 9,261,827
Fixed Assets 56,596 57,717
Other Assets 1,074,431 880,568
Total 18,068,481 14,672,548
Sr. No. Particulars Quarter Ended 31.03.2026 Audited (Refer Note 3) 31.12.2025 Unaudited 31.03.2025 Audited (Refer Note 3) Year Ended 31.03.2026 Audited 31.03.2025 Audited
1 Segment Revenue
(a) Corporate/ Wholesale Banking 204,377 189,476 175,471 750,095 671,520
(b) Retail Banking 417,500 425,042 406,296 1,650,368 1,612,951
(i) Digital Banking – – – – –
(ii) Other Retail Banking 417,500 425,042 406,296 1,650,368 1,612,951
(c) Treasury 253,837 253,599 241,047 1,009,680 974,951
(d) Other Banking Operations 12,313 7,582 9,850 31,221 24,203
Total [Items (a) to (d)] 888,027 875,699 832,664 3,441,364 3,283,625
Less: Inter Segment Revenue 409,106 403,999 385,104 1,595,669 1,499,100
Total Income 478,921 471,700 447,560 1,845,695 1,784,525
2 Segment Results (Profit (+) / Loss (-) before tax)
(a) Corporate/ Wholesale Banking 31,004 19,898 32,704 81,841 82,995
(b) Retail Banking (17,809) (9,549) (41,654) (46,157) (103,659)
(i) Digital Banking – – – – –
(ii) Other Retail Banking (17,809) (9,549) (41,654) (46,157) (103,659)
(c) Treasury 2,280 9,307 6,648 37,014 55,445
(d) Other Banking Operations 12,313 7,582 9,850 31,221 24,202
Total [Items (a) to (d)] 27,788 27,238 7,548 103,919 58,983
Less: i) Un-allocable income 82 (78) (57) (35) (7,830)
Total Profit/(Loss) Before Tax 27,706 27,316 7,605 103,954 66,813
3 Segment Assets
Corporate/ Wholesale Banking 5,617,842 4,944,176 4,132,131 5,617,842 4,132,131
Retail Banking 6,056,737 5,574,305 5,318,124 6,056,737 5,318,124
(i) Digital Banking – – – – –
(ii) Other Retail Banking 6,056,737 5,574,305 5,318,124 6,056,737 5,318,124
Treasury 5,935,107 4,997,428 4,986,881 5,935,107 4,986,881
Other Banking Operations 5,448 3,289 3,527 5,448 3,527
Unallocated 453,347 209,849 231,885 453,347 231,885
Total 18,068,481 15,729,047 14,672,548 18,068,481 14,672,548
4 Segment Liabilities
Corporate/ Wholesale Banking 5,952,639 4,836,062 4,445,218 5,952,639 4,445,218
Retail Banking 8,011,453 7,369,422 6,811,907 8,011,453 6,811,907
(i) Digital Banking – – – – –
(ii) Other Retail Banking 8,011,453 7,369,422 6,811,907 8,011,453 6,811,907
Treasury 2,442,558 1,884,044 1,849,224 2,442,558 1,849,224
Other Banking Operations 794 888 890 794 890
Unallocated 547 5,008 4,630 547 4,630
Capital and Reserves 1,660,490 1,633,623 1,560,679 1,660,490 1,560,679
Total 18,068,481 15,729,047 14,672,548 18,068,481 14,672,548

| Particulars | Year ended 31.03.2026 Audited | Year ended 31.03.2025 Audited |
|—————————————————————————|—————-

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