RBL Bank Ltd.
NSE: RBLBANK · Private Sector Bank
Snapshot
Unlock RBL Bank Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
RBL Bank Limited is a scheduled commercial bank in India providing a comprehensive suite of banking products and services. Its operations span corporate and wholesale banking, retail banking, treasury, and various digital and merchant payment solutions.
Business Model
The bank generates revenue primarily through net interest income from loans and advances, alongside fee-based income from wealth management, insurance distribution, and merchant payment services. It leverages a multi-channel distribution network including physical branches, business correspondent outlets, and digital banking platforms.
- Bank Branches:435
- Business Correspondent Branches:1424
- ATMs:380
Growth Outlook
Growth is driven by the expansion of its retail loan portfolio, including personal, home, and small business loans, alongside the scaling of its digital and merchant payment ecosystems. The bank continues to focus on deepening its presence in agribusiness and NRI banking segments.
Key Risks
- Asset Quality Risk. The bank faces potential credit risk from its unsecured retail and small business loan portfolios, which may be sensitive to economic downturns.
- Regulatory and Compliance Risk. As a private sector bank, it is subject to stringent oversight by the Reserve Bank of India, where any non-compliance could lead to operational restrictions.
- Competition Risk. The Indian banking sector is highly competitive, with aggressive pricing from larger public and private sector peers impacting net interest margins.
- Cybersecurity Risk. Increased reliance on digital and net banking platforms exposes the institution to significant cyber threats and data security vulnerabilities.
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Key Metrics
REVENUE
₹14,092 Cr
TTM · consolidated
NET PROFIT
₹1,205 Cr
TTM · consolidated
EPS
₹14.01
TTM · consolidated
RETURN ON EQUITY
2.8%
TTM · consolidated
P/E
25.1×
Q2 FY27 · consolidated
Peers · Private Sector Bank
| Company | Mkt Cap | P/E (TTM) | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
RBL Bank Ltd.RBLBANK | ₹54,649 Cr | 25.1× | — | 1.4% | — | 2.8% | — | +7.9% |
The Federal Bank LimitedFEDERALBNK | ₹83,483 Cr | 16.0× | — | — | — | 12.3% | — | +42.6% |
IndusInd Bank Ltd.INDUSINDBK | ₹65,331 Cr | 21.8× | — | -5.0% | — | 1.4% | — | +5.5% |
IDFC First Bank Ltd.IDFCFIRSTB | ₹63,485 Cr | 21.2× | — | 11.1% | — | 6.1% | — | -10.0% |
Yes Bank Ltd.YESBANK | ₹48,872 Cr | 11.8× | — | -2.3% | — | 8.2% | — | -31.5% |
Karur Vysya Bank Ltd.KARURVYSYA | ₹33,298 Cr | 11.3× | — | — | — | 19.2% | — | +41.7% |
As of Q3 FY26
Financials
RBL Bank Ltd.
NSE: RBLBANK · Private Sector Bank
Snapshot
Unlock RBL Bank Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
RBL Bank Limited is a scheduled commercial bank in India providing a comprehensive suite of banking products and services. Its operations span corporate and wholesale banking, retail banking, treasury, and various digital and merchant payment solutions.
Business Model
The bank generates revenue primarily through net interest income from loans and advances, alongside fee-based income from wealth management, insurance distribution, and merchant payment services. It leverages a multi-channel distribution network including physical branches, business correspondent outlets, and digital banking platforms.
- Bank Branches:435
- Business Correspondent Branches:1424
- ATMs:380
Growth Outlook
Growth is driven by the expansion of its retail loan portfolio, including personal, home, and small business loans, alongside the scaling of its digital and merchant payment ecosystems. The bank continues to focus on deepening its presence in agribusiness and NRI banking segments.
Key Risks
- Asset Quality Risk. The bank faces potential credit risk from its unsecured retail and small business loan portfolios, which may be sensitive to economic downturns.
- Regulatory and Compliance Risk. As a private sector bank, it is subject to stringent oversight by the Reserve Bank of India, where any non-compliance could lead to operational restrictions.
- Competition Risk. The Indian banking sector is highly competitive, with aggressive pricing from larger public and private sector peers impacting net interest margins.
- Cybersecurity Risk. Increased reliance on digital and net banking platforms exposes the institution to significant cyber threats and data security vulnerabilities.
Start your research today
Unlock AI insights, financials, peers and live data on RBL Bank Ltd. and 5,000+ companies — free.
Key Metrics
REVENUE
₹14,092 Cr
TTM · consolidated
NET PROFIT
₹1,205 Cr
TTM · consolidated
EPS
₹14.01
TTM · consolidated
RETURN ON EQUITY
2.8%
TTM · consolidated
P/E
25.1x
Q2 FY27 · consolidated
NET PROFIT MARGIN
6.2%
Q3 FY26 · consolidated
Peers · Private Sector Bank
As of Q3 FY26