| Scrip code | 540065 |
|---|---|
| NSE Symbol | RBLBANK |
| MSEI Symbol | NOTLISTED |
| ISIN | INE976G01028 |
| Name of bank | RBL BANK Limited |
| Class of security | Equity |
| Date of start of financial year | 01-04-2025 |
| Date of end of financial year | 31-03-2026 |
| Date of board meeting when results were approved | 18-10-2025 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 10-10-2025 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| Reporting Type | Quarterly |
| Reporting Quarter | Second quarter |
| Nature of report standalone or consolidated | Consolidated |
| Whether results are audited or unaudited | Unaudited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended | Unaudited |
| Segment Reporting | Multi segment |
| Description of single segment | |
| Start date and time of board meeting | 18-10-2025 12:08:00 |
| End date and time of board meeting | 18-10-2025 17:55:00 |
| Whether cash flow statement is applicable on company | Yes |
| Type of cash flow statement | Cash Flow Indirect |
| Declaration of unmodified opinion or statement on impact of audit qualification | Declaration of unmodified opinion |
| Particulars | 3 months/ 6 months ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
|---|---|---|---|
| A | Date of start of reporting period | 01-07-2025 | 01-04-2025 |
| B | Date of end of reporting period | 30-09-2025 | 30-09-2025 |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Consolidated | Consolidated |
| 1 | Interest earned | ||
| Interest or discount on advances or bills | 2,86,783.00 | 5,64,028.00 | |
| Income on investments | 52,083.00 | 1,06,885.00 | |
| Interest on balances with reserve bank of India and other inter bank funds | 6,363.00 | 13,157.00 | |
| Others | 5,563.00 | 10,840.00 | |
| Total interest earned | 3,50,792.00 | 6,94,910.00 | |
| 2 | Other income | 93,367.00 | 2,00,506.00 |
| 3 | Total income | 4,44,159.00 | 8,95,416.00 |
| Expenses | |||
| 4 | Interest expenses | 1,95,636.00 | 3,91,679.00 |
| 5 | Operating expenses | ||
| (i) | Employees cost | 60,553.00 | 1,20,540.00 |
| (ii) | Details of other operating expenses | ||
| Description of other operating expenses | |||
| 1 | Rent, taxes and lighting | 8,505.00 | 16,685.00 |
| 2 | Printing and stationery | 651.00 | 1,269.00 |
| 3 | Advertisement and publicity | 2,182.00 | 4,130.00 |
| 4 | Depreciation on Bank's property | 6,228.00 | 12,247.00 |
| 5 | Director’s fees Allowances and expenses | 296.00 | 343.00 |
| 6 | Auditors' fees and expenses | 72.00 | 156.00 |
| 7 | Law Charges | 724.00 | 1,769.00 |
| 8 | Postage, Telegrams, Telephones, etc. | 1,748.00 | 3,525.00 |
| 9 | Repairs and maintenance | 4,875.00 | 9,668.00 |
| 10 | Others | 88,202.00 | 1,86,939.00 |
| Total other operating Expenses | 1,13,483.00 | 2,36,731.00 | |
| Total Operating Expenses | 1,74,036.00 | 3,57,271.00 | |
| 6 | Total expenditure excluding provisions and contingencies | 3,69,672.00 | 7,48,950.00 |
| 7 | Operating profit before provision and contingencies | 74,487.00 | 1,46,466.00 |
| 8 | Provisions other than tax and contingencies | 49,970.00 | 94,202.00 |
| 9 | Exceptional items | 0.00 | 0.00 |
| 10 | Total profit (loss) from ordinary activities before tax | 24,517.00 | 52,264.00 |
| 11 | Provision for Tax | 5,271.00 | 11,596.00 |
| 12 | Net profit (loss) from ordinary activities after tax | 19,246.00 | 40,668.00 |
| 13 | Extraordinary items net of tax expenses | 0.00 | 0.00 |
| 14 | Net profit (loss) for the period | 19,246.00 | 40,668.00 |
| 15 | Share of profit (loss) of associates | 0.00 | 0.00 |
| 16 | Profit (loss) of minority interest | 0.00 | 0.00 |
| 17 | Net Profit (loss) after taxes minority interest and share of profit (loss) of associates | 19,246.00 | 40,668.00 |
| 18 | Details of equity share capital [Abstract] | ||
| Paid-up equity share capital | 61,302.00 | 61,302.00 | |
| Face value of equity share capital | 10 | 10 | |
| 19 | Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) | ||
| 20 | Analytical ratios | ||
| (i) | Percentage of share held by government of India | 0 | 0 |
| (ii) | Capital adequacy ratio | ||
| CET 1 ratio | 0 | 0 | |
| Additional Tier 1 ratio | 0 | 0 | |
| (iii) (a) | Earnings per share before extraordinary items | ||
| Basic earnings per share before extraordinary items | 3.15 | 6.67 | |
| Diluted earnings per share before extraordinary items | 3.11 | 6.59 | |
| (iii) (b) | Earnings per share after extraordinary items | ||
| Basic earnings per share after extraordinary items | 3.15 | 6.67 | |
| Diluted earnings per share after extraordinary items | 3.11 | 6.59 | |
| (iv) | NPA Ratios | ||
| Amount of gross non-performing assets | 0.00 | 0.00 | |
| Amount of net non-performing assets | 0.00 | 0.00 | |
| % of gross NPAs | 0 | 0 | |
| % of net NPAs | 0 | 0 | |
| Return on assets | 0 | 0 | |
| 21 | Disclosure of notes on financial results by banks | Textual Information(1) | |
| Textual Information(1) | Refer details note from site |
|---|
| Particulars | Year ended (dd-mm-yyyy) | ||
|---|---|---|---|
| Date of start of reporting period | 01-04-2025 | ||
| Date of end of reporting period | 30-09-2025 | ||
| Whether results are audited or unaudited | Unaudited | ||
| Nature of report standalone or consolidated | Consolidated | ||
| 1 | Capital and liabilities | ||
| Capital | 61,302.00 | ||
| Reserves and surplus | 15,50,733.00 | ||
| Deposits | 1,16,63,648.00 | ||
| Borrowings | 15,22,532.00 | ||
| Other liabilities and provisions | 6,05,814.00 | ||
| Total Capital Liabilities | 1,54,04,029.00 | ||
| 2 | ASSETS | ||
| Cash and Balances with Reserve Bank of India | 10,83,880.00 | ||
| Balances with Banks and money at call and short notice | 3,87,908.00 | ||
| Investments | 28,76,719.00 | ||
| Advances | 1,00,52,857.00 | ||
| Fixed Assets | 5640300000 | ||
| Other Assets | 9,46,262.00 | ||
| Total Assets | 1,54,04,029.00 | ||
| Disclosure of notes on assets and liabilities | Textual Information(1) | ||
| Textual Information(1) | Refer details note from site |
|---|
| Particulars | 3 months/ 6 months ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |||||
|---|---|---|---|---|---|---|---|
| Date of start of reporting period | 01-07-2025 | 01-04-2025 | |||||
| Date of end of reporting period | 30-09-2025 | 30-09-2025 | |||||
| Whether results are audited or unaudited | Unaudited | Unaudited | |||||
| Nature of report standalone or consolidated | Consolidated | Consolidated | |||||
| 1 | Segment Revenue (Income) | ||||||
| (net sale/income from each segment should be disclosed) | |||||||
| 1 | Corporate / Wholesale Banking | 1,82,831.00 | 3,56,242.00 | ||||
| 2 | Retail Banking | 4,14,470.00 | 8,08,168.00 | ||||
| 3 | Treasury | 2,38,842.00 | 5,02,244.00 | ||||
| 4 | Other Banking Operations | 6,495.00 | 11,326.00 | ||||
| 5 | Capital and Reserves | 0.00 | 0.00 | ||||
| Total Segment Revenue | 8,42,638.00 | 16,77,980.00 | |||||
| Less: Inter segment revenue | 3,98,479.00 | 7,82,564.00 | |||||
| Income from operations | 4,44,159.00 | 8,95,416.00 | |||||
| 2 | Segment Result | ||||||
| Profit (+) / Loss (-) before tax and interest from each segment | |||||||
| 1 | Corporate / Wholesale Banking | 19,260.00 | 30,939.00 | ||||
| 2 | Retail Banking | (499.00) | (15,467.00) | ||||
| 3 | Treasury | (779.00) | 25,427.00 | ||||
| 4 | Other Banking Operations | 6,495.00 | 11,326.00 | ||||
| 5 | Capital and Reserves | 0.00 | 0.00 | ||||
| Total Profit before tax | 24,477.00 | 52,225.00 | |||||
| i. Finance cost | 0.00 | 0.00 | |||||
| ii. Other Unallocable Expenditure net off Unallocable income | (40.00) | (39.00) | |||||
| Profit before tax | 24,517.00 | 52,264.00 | |||||
| 3 | (Segment Asset - Segment Liabilities) | ||||||
| Segment Asset | |||||||
| 1 | Corporate / Wholesale Banking | 47,70,119.00 | 47,70,119.00 | ||||
| 2 | Retail Banking | 54,76,633.00 | 54,76,633.00 | ||||
| 3 | Treasury | 49,56,994.00 | 49,56,994.00 | ||||
| 4 | Other Banking Operations | 3,331.00 | 3,331.00 | ||||
| 5 | Capital and Reserves | 0.00 | 0.00 | ||||
| Total Segment Assets | 1,52,07,077.00 | 1,52,07,077.00 | |||||
| Un-allocable Assets | 1,96,952.00 | 1,96,952.00 | |||||
| Net Segment Assets | 1,54,04,029.00 | 1,54,04,029.00 | |||||
| 4 | Segment Liabilities | ||||||
| Segment Liabilities | |||||||
| 1 | Corporate / Wholesale Banking | 48,23,936.00 | 48,23,936.00 | ||||
| 2 | Retail Banking | 71,65,066.00 | 71,65,066.00 | ||||
| 3 | Treasury | 17,99,897.00 | 17,99,897.00 | ||||
| 4 | Other Banking Operations | 640.00 | 640.00 | ||||
| 5 | Capital and Reserves | 16,12,035.00 | 16,12,035.00 | ||||
| Total Segment Liabilities | 1,54,01,574.00 | 1,54,01,574.00 | |||||
| Un-allocable Liabilities | 2,455.00 | 2,455.00 | |||||
| Net Segment Liabilities | 1,54,04,029.00 | 1,54,04,029.00 | |||||
| Disclosure of notes on segments | Refer detail note from site | ||||||
| Particulars | Year ended (dd-mm-yyyy) | |
|---|---|---|
| A | Date of start of reporting period | 01-04-2025 |
| B | Date of end of reporting period | 30-09-2025 |
| C | Whether results are audited or unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Consolidated |
| 1 | Statement of cash flows | |
| Cash flows from used in operating activities | ||
| Profit before extraordinary items and tax | 52,264.00 | |
| 2 | Adjustments for reconcile profit (loss) | |
| Adjustments to profit (loss) | ||
| Adjustments for finance costs | 0.00 | |
| Adjustments for depreciation and amortisation expense | 12,247.00 | |
| Adjustments for impairment loss reversal of impairment loss recognised in profit or loss | 0.00 | |
| Adjustments for unrealised foreign exchange losses gains | 0.00 | |
| Adjustments for dividend income | 0.00 | |
| Adjustments for share-based payments | 0.00 | |
| Other adjustments for which cash effects are investing or financing cash flow | 9.00 | |
| Other adjustments to reconcile profit (loss) | 0.00 | |
| Other adjustments for non-cash items | 1,24,308.00 | |
| Share of profit and loss from partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Total adjustments to profit (loss) | 1,36,564.00 | |
| 3 | Adjustments for working capital | |
| Adjustments for decrease (increase) in inventories | 0.00 | |
| Adjustments for decrease (increase) in trade receivables | 0.00 | |
| Adjustments for decrease (increase) in other current assets | (6,72,135.00) | |
| Adjustments for increase (decrease) in trade payables | 0.00 | |
| Adjustments for increase (decrease) in other current liabilities | 5,51,069.00 | |
| Adjustments for provisions | 0.00 | |
| Total adjustments for working capital | (1,21,066.00) | |
| Total adjustments for reconcile profit (loss) | 15,498.00 | |
| Net cash flows from (used in) operations | 67,762.00 | |
| Dividends received | 0.00 | |
| Interest paid | 0.00 | |
| Interest received | 0.00 | |
| Income taxes paid (refund) | 8,102.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Net cash flows from (used in) operating activities before extraordinary items | 59,660.00 | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) operating activities | 59,660.00 | |
| 4 | Cash flows from used in investing activities | |
| Cash flows from losing control of subsidiaries or other businesses | 0.00 | |
| Cash flows used in obtaining control of subsidiaries or other businesses | 0.00 | |
| Other cash receipts from sales of equity or debt instruments of other entities | 0.00 | |
| Other cash payments to acquire equity or debt instruments of other entities | 0.00 | |
| Other cash receipts from sales of interests in joint ventures | 0.00 | |
| Other cash payments to acquire interests in joint ventures | 0.00 | |
| Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Cash payment for investment in partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Proceeds from sales of tangible assets | 463.00 | |
| Purchase of tangible assets | 8,743.00 | |
| Proceeds from sales of intangible assets | 0.00 | |
| Purchase of intangible assets | 0.00 | |
| Cash advances and loans made to other parties | 0.00 | |
| Cash receipts from repayment of advances and loans made to other parties | 0.00 | |
| Cash payments for future contracts, forward contracts, option contracts and swap contracts | 0.00 | |
| Cash receipts from future contracts, forward contracts, option contracts and swap contracts | 0.00 | |
| Dividends received | 0.00 | |
| Interest received | 0.00 | |
| Income taxes paid (refund) | 0.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Proceeds from government grants | 0.00 | |
| Net cash flows from (used in) investing activities before extraordinary items | (8,280.00) | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) investing activities | (8,280.00) | |
| 5 | Cash flows from used in financing activities | |
| Proceeds from issuing shares | 7,114.00 | |
| Proceeds from issuing other equity instruments | 0.00 | |
| Proceeds from issuing debentures notes bonds etc | 0.00 | |
| Proceeds from borrowings | 1,49,034.00 | |
| Repayments of borrowings | 0.00 | |
| Dividends paid | 6,126.00 | |
| Interest paid | 0.00 | |
| Income taxes paid (refund) | 0.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Net cash flows from (used in) financing activities before extraordinary items | 1,50,022.00 | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) financing activities | 1,50,022.00 | |
| Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes | 2,01,402.00 | |
| 6 | Effect of exchange rate changes on cash and cash equivalents | |
| Effect of exchange rate changes on cash and cash equivalents | 0.00 | |
| Net increase (decrease) in cash and cash equivalents | 2,01,402.00 | |
| Cash and cash equivalents cash flow statement at beginning of period | 12,51,850.00 | |
| Cash and cash equivalents cash flow statement at end of period | 14,53,252.00 | |
| Whether results are audited or unaudited | Unaudited |
|---|---|
| Declaration of unmodified opinion or statement on impact of audit qualification | Declaration of unmodified opinion |
| Auditor's opinion | |
| Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results | Yes |
| Sr No. | Audit firm's name | Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI | Certificate valid upto | ||
| 1 | KKC & Associates LLP | Yes | 31-07-2027 | ||
|---|---|---|---|---|---|
| 2 | Singhi & Co | Yes | 31-08-2028 | ||