| 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 | 25-04-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 22-04-2026 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| Reporting Type | Quarterly |
| Reporting Quarter | Fourth quarter |
| Nature of report standalone or consolidated | Consolidated |
| Whether results are audited or unaudited | Audited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended | Audited |
| Segment Reporting | Multi segment |
| Description of single segment | |
| Start date and time of board meeting | 25-04-2026 12:16:00 |
| End date and time of board meeting | 25-04-2026 13:29:00 |
| 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 | 01-01-2026 | 01-04-2025 |
| B | Date of end of reporting period | 31-03-2026 | 31-03-2026 |
| C | Whether results are audited or unaudited | Audited | Audited |
| D | Nature of report standalone or consolidated | Consolidated | Consolidated |
| 1 | Interest earned | ||
| Interest or discount on advances or bills | 3,00,943.00 | 11,65,995.00 | |
| Income on investments | 55,498.00 | 2,14,549.00 | |
| Interest on balances with reserve bank of India and other inter bank funds | 11,178.00 | 32,271.00 | |
| Others | 4,468.00 | 20,860.00 | |
| Total interest earned | 3,72,087.00 | 14,33,675.00 | |
| 2 | Other income | 1,07,049.00 | 4,12,718.00 |
| 3 | Total income | 4,79,136.00 | 18,46,393.00 |
| Expenses | |||
| 4 | Interest expenses | 2,04,880.00 | 7,97,466.00 |
| 5 | Operating expenses | ||
| (i) | Employees cost | 60,495.00 | 2,43,194.00 |
| (ii) | Details of other operating expenses | ||
| Description of other operating expenses | |||
| 1 | Rent, taxes and lighting | 7,927.00 | 33,401.00 |
| 2 | Printing and stationery | 1,436.00 | 3,689.00 |
| 3 | Advertisement and publicity | 1,890.00 | 8,408.00 |
| 4 | Depreciation on Bank's property | 6,112.00 | 24,694.00 |
| 5 | Director’s fees Allowances and expenses | 85.00 | 498.00 |
| 6 | Auditors' fees and expenses | 121.00 | 346.00 |
| 7 | Law Charges | 624.00 | 3,119.00 |
| 8 | Postage, Telegrams, Telephones, etc. | 3,460.00 | 10,362.00 |
| 9 | Repairs and maintenance | 4,169.00 | 18,826.00 |
| 10 | Others | 90,692.00 | 3,65,829.00 |
| Total other operating Expenses | 1,16,516.00 | 4,69,172.00 | |
| Total Operating Expenses | 1,77,011.00 | 7,12,366.00 | |
| 6 | Total expenditure excluding provisions and contingencies | 3,81,891.00 | 15,09,832.00 |
| 7 | Operating profit before provision and contingencies | 97,245.00 | 3,36,561.00 |
| 8 | Provisions other than tax and contingencies | 67,832.00 | 2,25,961.00 |
| 9 | Exceptional items | 0.00 | 0.00 |
| 10 | Total profit (loss) from ordinary activities before tax | 29,413.00 | 1,10,600.00 |
| 11 | Provision for Tax | 4,971.00 | 22,695.00 |
| 12 | Net profit (loss) from ordinary activities after tax | 24,442.00 | 87,905.00 |
| 13 | Extraordinary items net of tax expenses | 0.00 | 0.00 |
| 14 | Net profit (loss) for the period | 24,442.00 | 87,905.00 |
| 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 | 24,442.00 | 87,905.00 |
| 18 | Details of equity share capital [Abstract] | ||
| Paid-up equity share capital | 61,811.00 | 61,811.00 | |
| Face value of equity share capital | 10 | 10 | |
| 19 | Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) | 16,10,566.00 | |
| 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 | 3.96 | 14.34 | |
| Diluted earnings per share before extraordinary items | 3.9 | 14.09 | |
| (iii) (b) | Earnings per share after extraordinary items | ||
| Basic earnings per share after extraordinary items | 3.96 | 14.34 | |
| Diluted earnings per share after extraordinary items | 3.9 | 14.09 | |
| (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 notes from site |
|---|
| Particulars | Year ended (dd-mm-yyyy) | ||
|---|---|---|---|
| Date of start of reporting period | 01-04-2025 | ||
| Date of end of reporting period | 31-03-2026 | ||
| Whether results are audited or unaudited | Audited | ||
| Nature of report standalone or consolidated | Consolidated | ||
| 1 | Capital and liabilities | ||
| Capital | 61,811.00 | ||
| Reserves and surplus | 16,10,613.00 | ||
| Deposits | 1,38,95,935.00 | ||
| Borrowings | 16,79,644.00 | ||
| Other liabilities and provisions | |||
| 1 | Bills Payable | 95,449.00 | |
| 2 | Inter Office Adjustments (Net) | 0.00 | |
| 3 | Interest Accrued | 77,323.00 | |
| 4 | Derivatives Liabilities | 2,46,551.00 | |
| 5 | Others (Including Provisions) | 4,07,366.00 | |
| Total of Other liabilities and provisions | 8,26,689.00 | ||
| Total Capital Liabilities | 1,80,74,692.00 | ||
| 2 | ASSETS | ||
| Cash and Balances with Reserve Bank of India | 14,01,159.00 | ||
| Balances with Banks and money at call and short notice | 9,05,426.00 | ||
| Investments | 32,05,863.00 | ||
| Advances | 1,14,23,194.00 | ||
| Fixed Assets | 58,160.00 | ||
| Other Assets | |||
| 1 | Interest Accrued | 1,27,264.00 | |
| 2 | Tax Paid in Advance/Tax Deducted at Source (Net of Provision) | 23,138.00 | |
| 3 | Stationery and Stamps | 2.00 | |
| 4 | Deferred Tax Assets (Net) | 54,427.00 | |
| 5 | Non-banking assets acquired in satisfaction of claims | 0.00 | |
| 6 | Derivatives Asset | 2,63,225.00 | |
| 7 | Others | 6,12,834.00 | |
| Total of Other Assets | 10,80,890.00 | ||
| Total Assets | 1,80,74,692.00 | ||
| Disclosure of notes on assets and liabilities | 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 | 01-01-2026 | 01-04-2025 | |||||
| Date of end of reporting period | 31-03-2026 | 31-03-2026 | |||||
| Whether results are audited or unaudited | Audited | Audited | |||||
| 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 | 2,04,377.00 | 7,50,095.00 | ||||
| 2 | Retail Banking | 4,17,715.00 | 16,51,066.00 | ||||
| 3 | Treasury | 2,53,837.00 | 10,09,680.00 | ||||
| 4 | Other Banking Operations | 12,313.00 | 31,221.00 | ||||
| 5 | Capital and Reserves | 0.00 | 0.00 | ||||
| Total Segment Revenue | 8,88,242.00 | 34,42,062.00 | |||||
| Less: Inter segment revenue | 4,09,106.00 | 15,95,669.00 | |||||
| Income from operations | 4,79,136.00 | 18,46,393.00 | |||||
| 2 | Segment Result | ||||||
| Profit (+) / Loss (-) before tax and interest from each segment | |||||||
| 1 | Corporate / Wholesale Banking | 31,004.00 | 81,841.00 | ||||
| 2 | Retail Banking | (16,102.00) | (39,511.00) | ||||
| 3 | Treasury | 2,280.00 | 37,014.00 | ||||
| 4 | Other Banking Operations | 12,313.00 | 31,221.00 | ||||
| 5 | Capital and Reserves | 0.00 | 0.00 | ||||
| Total Profit before tax | 29,495.00 | 1,10,565.00 | |||||
| i. Finance cost | 0.00 | 0.00 | |||||
| ii. Other Unallocable Expenditure net off Unallocable income | 82.00 | (35.00) | |||||
| Profit before tax | 29,413.00 | 1,10,600.00 | |||||
| 3 | (Segment Asset - Segment Liabilities) | ||||||
| Segment Asset | |||||||
| 1 | Corporate / Wholesale Banking | 56,17,842.00 | 56,17,842.00 | ||||
| 2 | Retail Banking | 60,62,948.00 | 60,62,948.00 | ||||
| 3 | Treasury | 59,35,107.00 | 59,35,107.00 | ||||
| 4 | Other Banking Operations | 5,448.00 | 5,448.00 | ||||
| 5 | Capital and Reserves | 0.00 | 0.00 | ||||
| Total Segment Assets | 1,76,21,345.00 | 1,76,21,345.00 | |||||
| Un-allocable Assets | 4,53,347.00 | 4,53,347.00 | |||||
| Net Segment Assets | 1,80,74,692.00 | 1,80,74,692.00 | |||||
| 4 | Segment Liabilities | ||||||
| Segment Liabilities | |||||||
| 1 | Corporate / Wholesale Banking | 59,52,639.00 | 59,52,639.00 | ||||
| 2 | Retail Banking | 80,05,730.00 | 80,05,730.00 | ||||
| 3 | Treasury | 24,42,558.00 | 24,42,558.00 | ||||
| 4 | Other Banking Operations | 794.00 | 794.00 | ||||
| 5 | Capital and Reserves | 16,72,424.00 | 16,72,424.00 | ||||
| Total Segment Liabilities | 1,80,74,145.00 | 1,80,74,145.00 | |||||
| Un-allocable Liabilities | 547.00 | 547.00 | |||||
| Net Segment Liabilities | 1,80,74,692.00 | 1,80,74,692.00 | |||||
| Disclosure of notes on segments | Refer details notes 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 | 31-03-2026 |
| C | Whether results are audited or unaudited | Audited |
| 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 | 1,10,600.00 | |
| 2 | Adjustments for reconcile profit (loss) | |
| Adjustments to profit (loss) | ||
| Adjustments for finance costs | 0.00 | |
| Adjustments for depreciation and amortisation expense | 24,694.00 | |
| 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 | 18.00 | |
| Other adjustments to reconcile profit (loss) | 0.00 | |
| Other adjustments for non-cash items | 2,83,576.00 | |
| Share of profit and loss from partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Total adjustments to profit (loss) | 3,08,288.00 | |
| 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 | (26,40,055.00) | |
| Adjustments for increase (decrease) in trade payables | 0.00 | |
| Adjustments for increase (decrease) in other current liabilities | 29,96,964.00 | |
| Adjustments for provisions | 0.00 | |
| Total adjustments for working capital | 3,56,909.00 | |
| Total adjustments for reconcile profit (loss) | 6,65,197.00 | |
| Net cash flows from (used in) operations | 7,75,797.00 | |
| Dividends received | 0.00 | |
| Interest paid | 0.00 | |
| Interest received | 0.00 | |
| Income taxes paid (refund) | 14,568.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Net cash flows from (used in) operating activities before extraordinary items | 7,61,229.00 | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) operating activities | 7,61,229.00 | |
| 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 | 965.00 | |
| Purchase of tangible assets | 23,458.00 | |
| 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 | (22,493.00) | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) investing activities | (22,493.00) | |
| 5 | Cash flows from used in financing activities | |
| Proceeds from issuing shares | 15,976.00 | |
| Proceeds from issuing other equity instruments | 0.00 | |
| Proceeds from issuing debentures notes bonds etc | 0.00 | |
| Proceeds from borrowings | 3,06,146.00 | |
| 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 | 3,15,996.00 | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) financing activities | 3,15,996.00 | |
| Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes | 10,54,732.00 | |
| 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 | 10,54,732.00 | |
| 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 | 23,06,582.00 | |
| Whether results are audited or unaudited | Audited |
|---|---|
| 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 | ||