RBLBANK - RBL Bank Limited Share Price

Banks

₹261.00-6.10(-2.28%)

Market Closed as of Aug 8, 2025, 15:30 IST

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Valuation
Market Cap	16.42 kCr
Price/Earnings (Trailing)	22.35
Price/Sales (Trailing)	0.91
EV/EBITDA	1.99
Price/Free Cashflow	-19.93
MarketCap/EBT	32.99
Enterprise Value	16.42 kCr

Fundamentals
Revenue (TTM)	18.06 kCr
Rev. Growth (Yr)	5.6%
Earnings (TTM)	580.23 Cr
Earnings Growth (Yr)	-39%

Profitability
Operating Margin	20%
EBT Margin	3%
Return on Equity	0.40%
Return on Assets	0.40%
Free Cashflow Yield	-5.02%

Price to Sales Ratio

Latest reported: 1

Revenue (Last 12 mths)

Latest reported: 18 kCr

Net Income (Last 12 mths)

Latest reported: 58 Cr

Growth & Returns
Price Change 1W	1.1%
Price Change 1M	7.9%
Price Change 6M	59.1%
Price Change 1Y	25.8%
3Y Cumulative Return	40%
5Y Cumulative Return	7.1%
7Y Cumulative Return	-10.1%

Cash Flow & Liquidity
Cash Flow from Investing (TTM)	-280.73 Cr
Cash Flow from Operations (TTM)	-824.07 Cr
Cash Flow from Financing (TTM)	-503.07 Cr
Free Cash Flow (TTM)	-824.07 Cr
Free Cash Flow/Share (TTM)	-13.53

Balance Sheet
Total Assets	1.47 LCr
Shareholder Equity	1.47 LCr

Capital Structure & Leverage
Debt Ratio	0.00
Debt/Equity	0.00
Interest Coverage	-0.94
Interest/Cashflow Ops	0.89

Dividend & Shareholder Returns
Dividend/Share (TTM)	3
Dividend Yield	0.57%
Shares Dilution (1Y)	0.40%
Shares Dilution (3Y)	1.6%

Risk & Volatility
Max Drawdown	-70.7%
Drawdown Prob. (30d, 5Y)	70.38%
Risk Level (5Y)	67.5%

Pros

Buy Backs: Company has bought back it's stock in the past which is a good thing.

Balance Sheet: Strong Balance Sheet.

Growth: Good revenue growth. With 65.9% growth over past three years, the company is going strong.

Past Returns: Outperforming stock! In past three years, the stock has provided 40% return compared to 12% by NIFTY 50.

Size: Market Cap wise it is among the top 20% companies of india.

Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.

Cons

No major cons observed.

The Good, Bad and Ugly

Growth

Profitability

Size

Dilution Rank

Balance Sheet

Momentum

Technicals

Smart Money

Insider Trading

Investor Care
Dividend Yield	0.57%
Dividend/Share (TTM)	3
Shares Dilution (1Y)	0.40%

Financial Health
Debt/Equity	0.00

Technical Indicators
RSI (14d)	55.31
RSI (5d)	54.55
RSI (21d)	55.05
MACD Signal	Sell
Stochastic Oscillator Signal	Hold
Grufity Signal	Buy
RSI Signal	Hold
RSI5 Signal	Hold
RSI21 Signal	Hold
SMA 5 Signal	Buy
SMA 10 Signal	Buy
SMA 20 Signal	Buy
SMA 50 Signal	Buy
SMA 100 Signal	Buy

Summary of Latest Earnings Report from RBL Bank

Summary of RBL Bank's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.

Earnings Outlook

Last updated:

Q&A Session

Last updated:

Revenue Breakdown

Analysis of RBL Bank's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.

Revenue

Last Updated: Jun 30, 2025

Description	Share	Value
Retail Banking	47.1%	3.9 kCr
Treasury	31.5%	2.6 kCr
Corporate / Wholesale Banking	20.8%	1.7 kCr
Other Banking Operations	0.6%	48.3 Cr
Total		8.4 kCr

Share Holdings

Understand RBL Bank ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.

Holding Pattern

Major Shareholders

Share Holding Details

Shareholder Name	Holding %
Quant Mutual Fund	6.64%
Nippon Life India Trustee Ltd	4.26%
Mahindra & Mahindra Limited	3.47%
Sbi Banking & Financial Services Fund	3.27%
Tata Banking & Financial Services Fund	2.08%
Hdfc Mutual Fund-Hdfc Arbitrage Fund	1.61%
Asia Capital Financial Opportunities Pte Ltd	1.49%
Gaja Capital Fund Ii Limited	1.32%
Aditya Birla Sun Life Trustee Private Limited A/C Aditya Birla Sun Life Arbitrage Fund	1.25%
Zerodha Broking	1.24%
Icici Prudential Equity Arbitrage Fund	1.19%
Mirae Asset Arbitrage Fund	1.09%
Vanguard Total International Stock Index Fund	1.06%
Vishwavir Ahuja	1.04%

Overall Distribution

Distribution across major stakeholders

Ownership Distribution

Distribution across major institutional holders

Is RBL Bank Better than it's peers?

Detailed comparison of RBL Bank against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.

Ticker	Name	Mkt Cap	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
HDFCBANK	HDFC Bank	30.66 LCr	4.87 LCr	-0.10%	+23.20%	20.79	6.3	-	-
ICICIBANK	ICICI Bank	10.5 LCr	3.02 LCr	-0.10%	+22.90%	18.66	3.48	-	-
KOTAKBANK	Kotak Mahindra Bank	3.96 LCr	1.05 LCr	-10.40%	+12.10%	19.39	3.78	-	-
AXISBANK	AXIS Bank	3.35 LCr	1.59 LCr	-7.40%	-5.00%	12.21	2.11	-	-
INDUSINDBK	IndusInd Bank	63.06 kCr	55.79 kCr	-4.80%	-39.80%	26.32	1.13	-	-

Sector Comparison: RBLBANK vs Banks

Comprehensive comparison against sector averages

Comparative Metrics

RBLBANK metrics compared to Banks

Category	RBLBANK	Banks
PE	22.35	25.74
PS	0.91	3.85
Growth	11.6 %	10 %

Performance Comparison

RBLBANK vs Banks (2021 - 2025)

Key Insights

1. RBLBANK is NOT among the Top 10 largest companies in Private Sector Bank.
2. The company holds a market share of 1.3% in Private Sector Bank.
3. The company is growing at an average growth rate of other Private Sector Bank companies.

Income Statement for RBL Bank

Consolidated figures (in Rs. Crores) / View Standalone Data

AnnualQuarterly

Description	(%) Q/Q	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020
Interest or discount on advances or bills	12.5%	11,225	9,978	7,549	6,585	6,868	7,171
Revenue on investments	5.6%	2,147	2,034	1,626	1,348	1,363	1,373
Interest on balances with RBI and others	87%	302	162	265	362	292	191
Other interest	66.7%	366	220	109	150	38	44
Total interest earned	13.3%	14,041	12,394	9,550	8,445	8,561	8,779
Other income	23.5%	3,778	3,060	2,507	2,352	2,048	1,918
Total income	15.3%	17,819	15,454	12,056	10,796	10,610	10,697
Total expenditure	14.9%	14,165	12,327	9,813	8,142	7,496	7,950
Interest expended	19.3%	7,576	6,350	4,679	4,148	4,425	4,885
Employees cost	17.6%	2,182	1,856	1,653	1,310	1,122	968
Other operating expenses	6.9%	4,407	4,121	3,481	2,684	1,949	2,098
Operating expenses	10.2%	6,589	5,977	5,135	3,994	3,071	3,066
Operating profit	16.9%	3,654	3,127	2,243	2,654	3,114	2,746
Provisions other than tax and contingencies	66.5%	2,959	1,778	1,022	2,860	2,402	1,999
Profit before tax	-48.4%	696	1,349	1,221	-206.5	712	747
Tax expense	-125.3%	-21.27	89	302	-40.35	183	247
Profit after tax	-43.1%	717	1,260	920	-166.15	529	500
Net profit (loss) for the period	-43.1%	717	1,260	920	-166.15	529	500
Profit (loss) of minority interest	-	0	0	0	0	0	0
Reserve excluding revaluation reserves	-	15,061	-	-	-	-	-
CET 1 ratio	-	0	0	0	0.1682	0.1663	0.1645
Additional tier 1 ratio	-	0	0	0	0	086	0.1533
Gross non performing assets	-	0	0	0	2,728	2,602	2,137
Non performing assets	-	0	0	0	807	1,241	1,189
Return on assets	-	0	0	0	-007	056	058

Description	(%) Q/Q	Jun-2025	Mar-2025	Dec-2024	Sep-2024	Jun-2024	Mar-2024
Interest or discount on advances or bills	-1%	2,772	2,799	2,846	2,829	2,750	2,679
Revenue on investments	-2.8%	548	564	533	527	523	513
Interest on balances with RBI and others	24.1%	68	55	87	93	67	58
Other interest	-10.3%	53	59	70	81	156	88
Total interest earned	-1%	3,441	3,477	3,537	3,531	3,497	3,339
Other income	7%	1,071	1,001	1,074	928	775	876
Total income	0.8%	4,513	4,478	4,610	4,459	4,272	4,215
Total expenditure	5.4%	3,793	3,599	3,599	3,536	3,430	3,315
Interest expended	2.5%	1,960	1,913	1,951	1,916	1,796	1,739
Employees cost	4%	600	577	569	567	469	477
Other operating expenses	11%	1,232	1,110	1,079	1,053	1,165	1,099
Operating expenses	8.6%	1,832	1,687	1,648	1,620	1,634	1,576
Operating profit	-18%	720	878	1,011	923	842	900
Provisions other than tax and contingencies	-43.8%	442	785	1,189	618	366	414
Profit before tax	200%	277	93	-177.45	304	475	486
Tax expense	1061%	63	6.34	-224.77	73	124	121
Profit after tax	147.7%	214	87	47	232	351	364
Net profit (loss) for the period	147.7%	214	87	47	232	351	364
Reserve excluding revaluation reserves	-	-	-	-	-	-	14,232

Standalone figures (in Rs. Crores) / View Consolidated Data

AnnualQuarterly

Description	(%) Q/Q	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020
Interest or discount on advances or bills	12.5%	11,225	9,978	7,132	6,317	6,524	6,907
Interest or discount on advances or bills	-	-	-	-	-	-	-
Revenue on investments	5.6%	2,147	2,034	1,626	1,348	1,363	1,373
Revenue on investments	-	-	-	-	-	-	-
Interest on balances with RBI and others	87%	302	162	265	362	292	191
Interest on balances with RBI and others	-	-	-	-	-	-	-
Other interest	66.2%	365	220	107	149	36	43
Other interest	-	-	-	-	-	-	-
Total interest earned	13.3%	14,039	12,394	9,130	8,176	8,215	8,514
Total interest earned	-	-	-	-	-	-	-
Other income	25.1%	3,806	3,043	2,489	2,341	2,058	1,910
Other income	-	-	-	-	-	-	-
Total income	15.6%	17,845	15,437	11,619	10,516	10,272	10,425
Total income	-	-	-	-	-	-	-
Total expenditure	14.6%	14,218	12,406	9,417	7,771	7,182	7,673
Total expenditure	-	-	-	-	-	-	-
Interest expended	19.3%	7,576	6,351	4,678	4,149	4,427	4,885
Interest expended	-	-	-	-	-	-	-
Employees cost	16.2%	1,734	1,492	1,340	1,002	845	768
Employees cost	-	-	-	-	-	-	-
Other operating expenses	7.6%	4,908	4,563	3,398	2,620	1,909	2,020
Other operating expenses	-	-	-	-	-	-	-
Operating expenses	9.7%	6,642	6,055	4,738	3,622	2,755	2,788
Operating expenses	-	-	-	-	-	-	-
Operating profit	19.7%	3,627	3,031	2,202	2,745	3,091	2,752
Operating profit	-	-	-	-	-	-	-
Provisions other than tax and contingencies	66.5%	2,959	1,778	1,022	2,860	2,402	1,999
Provisions other than tax and contingencies	-	-	-	-	-	-	-
Profit before tax	-46.7%	668	1,252	1,181	-115.09	689	753
Profit before tax	-	-	-	-	-	-	-
Tax expense	-134%	-27.24	84	298	-40.35	181	247
Tax expense	-	-	-	-	-	-	-
Profit after tax	-40.5%	695	1,168	883	-74.74	508	506
Profit after tax	-	-	-	-	-	-	-
Net profit (loss) for the period	-40.5%	695	1,168	883	-74.74	508	506
Net profit (loss) for the period	-	-	-	-	-	-	-
Reserve excluding revaluation reserves	-	14,998	-	-	-	-	-
CET 1 ratio	-2.5%	0.1406	0.1618	0.1692	0.1682	0.1664	0.1645
CET 1 ratio	-	-	-	-	-	-	-
Additional tier 1 ratio	-	0	0	0	0	086	0.1533
Gross non performing assets	8.5%	2,465	2,271	2,420	2,728	2,602	2,137
Gross non performing assets	-	-	-	-	-	-	-
Non performing assets	-56.3%	271	619	773	807	1,241	1,189
Non performing assets	-	-	-	-	-	-	-
Return on assets	-0.5%	051	096	083	-007	054	059
Return on assets	-	-	-	-	-	-	-

Description	(%) Q/Q	Jun-2025	Mar-2025	Dec-2024	Sep-2024	Jun-2024	Mar-2024
Interest or discount on advances or bills	-1%	2,772	2,799	2,846	2,829	2,750	2,679
Revenue on investments	-2.8%	548	564	533	527	523	513
Interest on balances with RBI and others	24.1%	68	55	87	93	67	58
Other interest	-8.8%	53	58	70	81	156	88
Total interest earned	-1%	3,441	3,476	3,536	3,531	3,496	3,339
Other income	6.9%	1,069	1,000	1,073	927	805	875
Total income	0.8%	4,511	4,476	4,610	4,458	4,302	4,215
Total expenditure	5.4%	3,808	3,614	3,613	3,548	3,443	3,328
Interest expended	2.5%	1,960	1,913	1,951	1,916	1,796	1,739
Employees cost	6%	475	448	453	465	368	377
Other operating expenses	9.5%	1,373	1,254	1,209	1,167	1,278	1,211
Operating expenses	8.5%	1,847	1,702	1,662	1,632	1,646	1,588
Operating profit	-18.4%	703	861	997	910	859	887
Provisions other than tax and contingencies	-43.8%	442	785	1,189	618	366	414
Profit before tax	246.7%	261	76	-192.27	292	493	473
Tax expense	829.1%	60	7.35	-224.9	69	121	121
Profit after tax	192.6%	200	69	33	223	372	353
Net profit (loss) for the period	192.6%	200	69	33	223	372	353
Reserve excluding revaluation reserves	-	-	-	-	-	-	14,191
CET 1 ratio	-0.2%	0.1389	0.1406	0.1316	0.1366	0.1523	0.1618
Gross non performing assets	9%	2,686	2,465	2,701	2,581	2,378	2,271
Non performing assets	58.5%	429	271	482	698	639	619
Return on assets	0.4%	056	02	0	0	0.0114	0.0108

Balance Sheet for RBL Bank

Consolidated figures (in Rs. Crores) / View Standalone Data

Description	(%) Q/Q	Mar-2025	Sep-2024	Mar-2024	Sep-2023	Mar-2023	Sep-2022
Total assets	-100%	146,772	1,439,037,000,000	138,454	124,108	115,806	107,355
Cash balances with RBI	-13.2%	10,965	12,634	12,071	8,036	6,238	5,228
Investments	6.1%	32,103	30,271	29,478	29,498	28,730	25,668
Advances	5.4%	92,618	87,882	83,987	76,324	70,186	62,921
Fixed assets	5.8%	604	571	558	594	598	617
Other assets	-9.1%	8,881	9,770	10,008	8,365	7,763	7,166
Capital	0%	608	608	605	601	600	600
Reserves and surplus	1.2%	15,062	14,888	14,232	13,538	12,926	12,376
Deposits	2.8%	110,933	107,952	103,470	89,730	84,875	79,404
Borrowings	-6.4%	13,735	14,680	14,185	15,302	13,332	10,781
Other liabilities and provisions	11.4%	6,435	5,776	5,961	4,936	4,074	4,194
Total capital and liabilities	2%	146,772	143,904	138,454	124,108	115,806	107,355

Standalone figures (in Rs. Crores) / View Consolidated Data

Description	(%) Q/Q	Mar-2025	Sep-2024	Mar-2024	Sep-2023	Mar-2023	Sep-2022
Total assets	-100%	146,725	1,438,851,300,000	138,432	124,144	115,876	107,402
Cash balances with RBI	-13.2%	10,965	12,634	12,071	8,036	6,238	5,228
Investments	5.9%	32,165	30,373	29,576	29,643	28,875	25,813
Advances	5.4%	92,618	87,882	83,987	76,324	70,209	62,942
Fixed assets	5.7%	577	546	532	569	574	589
Other assets	-9%	8,806	9,682	9,920	8,287	7,697	7,084
Capital	0%	608	608	605	601	600	600
Reserves and surplus	0.9%	14,999	14,859	14,191	13,520	12,977	12,470
Deposits	2.8%	110,944	107,959	103,494	89,780	84,887	79,404
Borrowings	-6.4%	13,734	14,679	14,184	15,302	13,331	10,776
Other liabilities and provisions	11.4%	6,441	5,782	5,958	4,941	4,082	4,151
Total capital and liabilities	2%	146,725	143,885	138,432	124,144	115,876	107,402

Cash Flow for RBL Bank

Consolidated figures (in Rs. Crores) / View Standalone Data

Description	(%) Q/Q	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020
Profit Before Extraord. Items And Tax	-48.4%	696	1,349	1,221	-206.5	-	-
Depreciation	0.4%	236	235	213	180	-	-
Total adjustments to profit/loss	49.4%	3,618	2,422	1,651	3,400	-	-
Total adj. for working capital	-459.2%	-4,960.03	1,382	-13,670.57	3,420	-	-
Net Cashflows From Operations	-112.6%	-646.04	5,152	-10,798.26	6,613	-	-
Income taxes paid (refund)	-9.7%	178	197	233	164	-	-
Net Cashflows From Operating Activities	-116.7%	-824.07	4,955	-11,031.25	6,449	-	-
Proceeds from sales of tangible assets	-26.7%	7.6	10	11	6.77	-	-
Purchase of tangible assets	41.4%	288	204	244	271	-	-
Net Cashflows From Investing Activities	-44.9%	-280.73	-193.45	-233.55	-264.03	-	-
Proceeds from issuing shares	-52.6%	38	79	0.71	19	-	-
Proceeds from borrowings	-152.9%	-450.27	854	2,234	0	-	-
Repayments of borrowings	-	0	0	0	128	-	-
Dividends paid	1.1%	91	90	0	0	-	-
Net Cashflows From Financing Activities	-159.9%	-503.07	843	2,235	-109.3	-	-
Net change in cash and cash eq.	-128.7%	-1,607.87	5,604	-9,030.11	6,076	-	-

Standalone figures (in Rs. Crores) / View Consolidated Data

Description	(%) Q/Q	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020
Profit Before Extraord. Items And Tax	-46.7%	668	1,252	1,181	-115.09	-	-
Depreciation	1.9%	219	215	196	164	-	-
Total adjustments to profit/loss	50%	3,602	2,402	1,634	3,383	-	-
Total adj. for working capital	-439.6%	-4,923.76	1,451	-13,621.26	3,335	-	-
Net Cashflows From Operations	-112.8%	-654.13	5,105	-10,806.38	6,604	-	-
Income taxes paid (refund)	10.7%	188	170	238	154	-	-
Net Cashflows From Operating Activities	-117.1%	-841.81	4,935	-11,044.09	6,449	-	-
Proceeds from sales of tangible assets	-32.9%	6.71	9.51	7.16	5.11	-	-
Purchase of tangible assets	48.6%	270	182	230	251	-	-
Net Cashflows From Investing Activities	-52.2%	-262.91	-172.45	-222.56	-245.97	-	-
Proceeds from issuing shares	-52.6%	38	79	0.71	19	-	-
Proceeds from borrowings	-153%	-450.24	853	2,238	0	-	-
Repayments of borrowings	-	0	0	0	133	-	-
Dividends paid	1.1%	91	90	0	0	-	-
Net Cashflows From Financing Activities	-159.9%	-503.04	842	2,239	-113.77	-	-
Net change in cash and cash eq.	-128.7%	-1,607.76	5,605	-9,027.7	6,090	-	-

What does RBL Bank Limited do?

Private Sector Bank•Financial Services•Small Cap

RBL Bank Limited operates as a scheduled commercial bank in India. It operates through Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations segments. The company offers savings, salary, current, special institutions, and seafarer accounts; safe deposit lockers; fixed, recurring, and smart deposits; and portfolio investment schemes. It also provides housing, personal, business, pre-owned car, two-wheeler, education, business, crop, agri investment, agri allied, and micro-enterprise loans, as well as overdrafts, rural vehicle finance, loans against gold ornaments, loans against property, working capital finance, and unsecured and secured small business loans; life, general, and health insurance products; investments services, such as e-ASBA and national pension system; and Demat accounts. In addition, the company offers online tax and bill payment, missed call recharge and facility, payment gateway, and merchant acquiring services; online, mobile, and digital banking; debit, credit, commercial, and prepaid cards; outward remittances; wire transfer and foreign currency cheques; and developmental banking and financial inclusion services, including loan syndications. Further, it provides corporate finance; investment banking services, comprising mergers and acquisitions advisory and private equity capital advisory; project and infrastructure finance, structured finance, and real estate financing; cash management, trade and remittance, and supply chain finance services; and financial markets and treasury products, such as capital markets, and forex and bullion. Additionally, the company offers agribusiness, NRI, and preferred banking services. It operates a network of bank branches, business correspondent branches, and ATMs. The company was formerly known as The Ratnakar Bank Limited and changed its name to RBL Bank Limited in August 2014. RBL Bank Limited was incorporated in 1943 and is based in Mumbai, India.

Industry Group:Banks

Employees:22,564

Website:www.rblbank.com

RBLBANK - RBL Bank Limited Share Price

Valuation

Fundamentals

Profitability

Price to Sales Ratio

Revenue (Last 12 mths)

Net Income (Last 12 mths)

Growth & Returns

Cash Flow & Liquidity

Balance Sheet

Capital Structure & Leverage

Dividend & Shareholder Returns

Risk & Volatility

Investor Care

Financial Health

Technical Indicators

Share Holdings

Holding Pattern

Share Holding Details

Overall Distribution

Ownership Distribution

What does RBL Bank Limited do?