| 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 | 17-01-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 12-01-2026 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| Reporting Type | Quarterly |
| Reporting Quarter | Third quarter |
| Nature of report standalone or consolidated | Standalone |
| 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 | 17-01-2026 11:19:00 |
| End date and time of board meeting | 17-01-2026 12:31:00 |
| Whether cash flow statement is applicable on company | |
| Type of cash flow statement | |
| Declaration of unmodified opinion or statement on impact of audit qualification | Declaration of unmodified opinion |
| Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? | No |
| No. of times funds raised during the quarter | |
| Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? | Yes |
| 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 | 01-10-2025 | 01-04-2025 |
| B | Date of end of reporting period | 31-12-2025 | 31-12-2025 |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Standalone | Standalone |
| 1 | Interest earned | ||
| Interest or discount on advances or bills | 3,01,024.00 | 8,65,052.00 | |
| Income on investments | 52,162.00 | 1,59,047.00 | |
| Interest on balances with reserve bank of India and other inter bank funds | 7,936.00 | 21,093.00 | |
| Others | 5,552.00 | 16,338.00 | |
| Total interest earned | 3,66,674.00 | 10,61,530.00 | |
| 2 | Other income | 1,05,026.00 | 3,05,244.00 |
| 3 | Total income | 4,71,700.00 | 13,66,774.00 |
| Expenses | |||
| 4 | Interest expenses | 2,00,950.00 | 5,92,672.00 |
| 5 | Operating expenses | ||
| (i) | Employees cost | 50,243.00 | 1,46,189.00 |
| (ii) | Details of other operating expenses | ||
| Description of other operating expenses | |||
| 1 | Rent, taxes and lighting | 8,139.00 | 23,466.00 |
| 2 | Printing and stationery | 936.00 | 2,138.00 |
| 3 | Advertisement and publicity | 2,388.00 | 6,518.00 |
| 4 | Depreciation on Bank's property | 6,011.00 | 17,561.00 |
| 5 | Director’s fees Allowances and expenses | 63.00 | 394.00 |
| 6 | Auditors' fees and expenses | 60.00 | 196.00 |
| 7 | Law Charges | 604.00 | 2,196.00 |
| 8 | Postage, Telegrams, Telephones, etc. | 3,306.00 | 6,693.00 |
| 9 | Repairs and maintenance | 4,974.00 | 14,589.00 |
| 10 | Others | 1,02,783.00 | 3,19,785.00 |
| Total other operating Expenses | 1,29,264.00 | 3,93,536.00 | |
| Total Operating Expenses | 1,79,507.00 | 5,39,725.00 | |
| 6 | Total expenditure excluding provisions and contingencies | 3,80,457.00 | 11,32,397.00 |
| 7 | Operating profit before provision and contingencies | 91,243.00 | 2,34,377.00 |
| 8 | Provisions other than tax and contingencies | 63,927.00 | 1,58,129.00 |
| 9 | Exceptional items | 0.00 | 0.00 |
| 10 | Total profit (loss) from ordinary activities before tax | 27,316.00 | 76,248.00 |
| 11 | Provision for Tax | 5,928.00 | 16,975.00 |
| 12 | Net profit (loss) from ordinary activities after tax | 21,388.00 | 59,273.00 |
| 13 | Extraordinary items net of tax expenses | 0.00 | 0.00 |
| 14 | Net profit (loss) for the period | 21,388.00 | 59,273.00 |
| 15 | Share of profit (loss) of associates | ||
| 16 | Profit (loss) of minority interest | ||
| 17 | Net Profit (loss) after taxes minority interest and share of profit (loss) of associates | 21,388.00 | 59,273.00 |
| 18 | Details of equity share capital [Abstract] | ||
| Paid-up equity share capital | 61,716.00 | 61,716.00 | |
| 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 | 12.9700 | 12.9700 | |
| Additional Tier 1 ratio | 0 | 0 | |
| (iii) (a) | Earnings per share before extraordinary items | ||
| Basic earnings per share before extraordinary items | 3.48 | 9.69 | |
| Diluted earnings per share before extraordinary items | 3.42 | 9.53 | |
| (iii) (b) | Earnings per share after extraordinary items | ||
| Basic earnings per share after extraordinary items | 3.48 | 9.69 | |
| Diluted earnings per share after extraordinary items | 3.42 | 9.53 | |
| (iv) | NPA Ratios | ||
| Amount of gross non-performing assets | 1,96,146.00 | 1,96,146.00 | |
| Amount of net non-performing assets | 56,699.00 | 56,699.00 | |
| % of gross NPAs | 1.8800 | 1.8800 | |
| % of net NPAs | 0.5500 | 0.5500 | |
| Return on assets | 0.5500 | 0.5300 | |
| 21 | Disclosure of notes on financial results by banks | Textual Information(1) | |
| Textual Information(1) | Refer details notes 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 | 01-10-2025 | 01-04-2025 | |||||
| Date of end of reporting period | 31-12-2025 | 31-12-2025 | |||||
| Whether results are audited or unaudited | Unaudited | Unaudited | |||||
| Nature of report standalone or consolidated | Standalone | Standalone | |||||
| 1 | Segment Revenue (Income) | ||||||
| (net sale/income from each segment should be disclosed) | |||||||
| 1 | Corporate / Wholesale Banking | 1,89,476.00 | 5,45,718.00 | ||||
| 2 | Retail Banking | 4,25,042.00 | 12,32,868.00 | ||||
| 3 | Treasury | 2,53,599.00 | 7,55,843.00 | ||||
| 4 | Other Banking Operations | 7,582.00 | 18,908.00 | ||||
| 5 | Capital and Reserves | 0.00 | 0.00 | ||||
| Total Segment Revenue | 8,75,699.00 | 25,53,337.00 | |||||
| Less: Inter segment revenue | 4,03,999.00 | 11,86,563.00 | |||||
| Income from operations | 4,71,700.00 | 13,66,774.00 | |||||
| 2 | Segment Result | ||||||
| Profit (+) / Loss (-) before tax and interest from each segment | |||||||
| 1 | Corporate / Wholesale Banking | 19,898.00 | 50,837.00 | ||||
| 2 | Retail Banking | (9,549.00) | (28,348.00) | ||||
| 3 | Treasury | 9,307.00 | 34,734.00 | ||||
| 4 | Other Banking Operations | 7,582.00 | 18,908.00 | ||||
| 5 | Capital and Reserves | 0.00 | 0.00 | ||||
| Total Profit before tax | 27,238.00 | 76,131.00 | |||||
| i. Finance cost | 0.00 | 0.00 | |||||
| ii. Other Unallocable Expenditure net off Unallocable income | (78.00) | (117.00) | |||||
| Profit before tax | 27,316.00 | 76,248.00 | |||||
| 3 | (Segment Asset - Segment Liabilities) | ||||||
| Segment Asset | |||||||
| 1 | Corporate / Wholesale Banking | 49,44,176.00 | 49,44,176.00 | ||||
| 2 | Retail Banking | 55,74,305.00 | 55,74,305.00 | ||||
| 3 | Treasury | 49,97,428.00 | 49,97,428.00 | ||||
| 4 | Other Banking Operations | 3,289.00 | 3,289.00 | ||||
| 5 | Capital and Reserves | 0.00 | 0.00 | ||||
| Total Segment Assets | 1,55,19,198.00 | 1,55,19,198.00 | |||||
| Un-allocable Assets | 2,09,849.00 | 2,09,849.00 | |||||
| Net Segment Assets | 1,57,29,047.00 | 1,57,29,047.00 | |||||
| 4 | Segment Liabilities | ||||||
| Segment Liabilities | |||||||
| 1 | Corporate / Wholesale Banking | 48,36,062.00 | 48,36,062.00 | ||||
| 2 | Retail Banking | 73,69,422.00 | 73,69,422.00 | ||||
| 3 | Treasury | 18,84,044.00 | 18,84,044.00 | ||||
| 4 | Other Banking Operations | 888.00 | 888.00 | ||||
| 5 | Capital and Reserves | 16,33,623.00 | 16,33,623.00 | ||||
| Total Segment Liabilities | 1,57,24,039.00 | 1,57,24,039.00 | |||||
| Un-allocable Liabilities | 5,008.00 | 5,008.00 | |||||
| Net Segment Liabilities | 1,57,29,047.00 | 1,57,29,047.00 | |||||
| Disclosure of notes on segments | Refer Details noted uploaded in site | ||||||
| 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 | ||
| Sr. No. | Particulars | Amount | Remarks |
| 1. | Loans / revolving facilities like cash credit from banks / financial institutions | ||
| A | Total amount outstanding as on date | 14,87,585.00 | |
|---|---|---|---|
| B | Of the total amount outstanding, amount of default as on date | 0.00 | |
| 2. | Unlisted debt securities i.e. NCDs and NCRPS | ||
| A | Total amount outstanding as on date | 0.00 | |
| B | Of the total amount outstanding, amount of default as on date | 0.00 | |
| 3. | Total financial indebtedness of the listed entity including short-term and long-term debt | 0.00 | |