| 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 | 01-04-2026 |
| Date of end of financial year | 31-03-2027 |
| Date of board meeting when results were approved | 12-10-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 05-10-2026 |
| 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 | 12-10-2026 14:04:00 |
| End date and time of board meeting | 12-10-2026 16:28:00 |
| 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 | 01-07-2026 | 01-04-2026 |
| B | Date of end of reporting period | 30-09-2026 | 30-09-2026 |
| 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 | 3,35,410.00 | 6,46,124.00 | |
| Income on investments | 74,484.00 | 1,28,323.00 | |
| Interest on balances with reserve bank of India and other inter bank funds | 17,786.00 | 32,228.00 | |
| Others | 4,530.00 | 9,559.00 | |
| Total interest earned | 4,32,210.00 | 8,16,234.00 | |
| 2 | Other income | 1,07,955.00 | 2,00,159.00 |
| 3 | Total income | 5,40,165.00 | 10,16,393.00 |
| Expenses | |||
| 4 | Interest expenses | 2,19,072.00 | 4,37,571.00 |
| 5 | Operating expenses | ||
| (i) | Employees cost | 67,136.00 | 1,30,159.00 |
| (ii) | Details of other operating expenses | ||
| Description of other operating expenses | |||
| 1 | Rent, taxes and lighting | 9,019.00 | 17,452.00 |
| 2 | Printing and stationery | 457.00 | 1,066.00 |
| 3 | Advertisement and publicity | 1,787.00 | 4,379.00 |
| 4 | Depreciation on Bank's property | 5,646.00 | 11,329.00 |
| 5 | Director’s fees Allowances and expenses | 23.00 | 342.00 |
| 6 | Auditors' fees and expenses | 105.00 | 208.00 |
| 7 | Law Charges | 732.00 | 1,704.00 |
| 8 | Postage, Telegrams, Telephones, etc. | 706.00 | 2,719.00 |
| 9 | Repairs and maintenance | 4,040.00 | 8,556.00 |
| 10 | Others | 89,781.00 | 1,68,348.00 |
| Total other operating Expenses | 1,12,296.00 | 2,16,103.00 | |
| Total Operating Expenses | 1,79,432.00 | 3,46,262.00 | |
| 6 | Total expenditure excluding provisions and contingencies | 3,98,504.00 | 7,83,833.00 |
| 7 | Operating profit before provision and contingencies | 1,41,661.00 | 2,32,560.00 |
| 8 | Provisions other than tax and contingencies | 76,653.00 | 1,36,581.00 |
| 9 | Exceptional items | 0.00 | 0.00 |
| 10 | Total profit (loss) from ordinary activities before tax | 65,008.00 | 95,979.00 |
| 11 | Provision for Tax | 15,172.00 | 22,720.00 |
| 12 | Net profit (loss) from ordinary activities after tax | 49,836.00 | 73,259.00 |
| 13 | Extraordinary items net of tax expenses | 0.00 | 0.00 |
| 14 | Net profit (loss) for the period | 49,836.00 | 73,259.00 |
| 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 | 49,836.00 | 73,259.00 |
| 18 | Details of equity share capital [Abstract] | ||
| Paid-up equity share capital | 1,55,164.00 | 1,55,164.00 | |
| 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 | 3.22 | 6.35 | |
| Diluted earnings per share before extraordinary items | 3.19 | 6.3 | |
| (iii) (b) | Earnings per share after extraordinary items | ||
| Basic earnings per share after extraordinary items | 3.22 | 6.35 | |
| Diluted earnings per share after extraordinary items | 3.19 | 6.3 | |
| (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 | 01-04-2026 | ||
| Date of end of reporting period | 30-09-2026 | ||
| Whether results are audited or unaudited | Unaudited | ||
| Nature of report standalone or consolidated | Consolidated | ||
| 1 | Capital and liabilities | ||
| Capital | 1,55,164.00 | ||
| Reserves and surplus | 41,90,231.00 | ||
| Deposits | 1,56,10,379.00 | ||
| Borrowings | 13,37,178.00 | ||
| Other liabilities and provisions | |||
| 1 | Other liabilities and provisions | 9,35,915.00 | |
| Total of Other liabilities and provisions | 9,35,915.00 | ||
| Total Capital Liabilities | 2,22,28,867.00 | ||
| 2 | ASSETS | ||
| Cash and Balances with Reserve Bank of India | 10,24,682.00 | ||
| Balances with Banks and money at call and short notice | 15,54,808.00 | ||
| Investments | 42,78,276.00 | ||
| Advances | 1,42,31,408.00 | ||
| Fixed Assets | 55,248.00 | ||
| Other Assets | |||
| 1 | Others | 10,84,445.00 | |
| Total of Other Assets | 10,84,445.00 | ||
| Total Assets | 2,22,28,867.00 | ||
| 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 | 01-07-2026 | 01-04-2026 | |||||
| Date of end of reporting period | 30-09-2026 | 30-09-2026 | |||||
| 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 | 2,43,404.00 | 4,60,930.00 | ||||
| 2 | Retail Banking | 4,49,184.00 | 8,69,163.00 | ||||
| 3 | Treasury | 3,21,195.00 | 5,92,085.00 | ||||
| 4 | Other Banking Operations | 7,870.00 | 13,359.00 | ||||
| 5 | Capital and Reserves | 0.00 | 0.00 | ||||
| Total Segment Revenue | 10,21,653.00 | 19,35,537.00 | |||||
| Less: Inter segment revenue | 4,81,488.00 | 9,19,144.00 | |||||
| Income from operations | 5,40,165.00 | 10,16,393.00 | |||||
| 2 | Segment Result | ||||||
| Profit (+) / Loss (-) before tax and interest from each segment | |||||||
| 1 | Corporate / Wholesale Banking | 25,199.00 | 47,054.00 | ||||
| 2 | Retail Banking | (16,045.00) | (21,611.00) | ||||
| 3 | Treasury | 47,980.00 | 57,166.00 | ||||
| 4 | Other Banking Operations | 7,870.00 | 13,359.00 | ||||
| 5 | Capital and Reserves | 0.00 | 0.00 | ||||
| Total Profit before tax | 65,004.00 | 95,968.00 | |||||
| i. Finance cost | |||||||
| ii. Other Unallocable Expenditure net off Unallocable income | (4.00) | (11.00) | |||||
| Profit before tax | 65,008.00 | 95,979.00 | |||||
| 3 | (Segment Asset - Segment Liabilities) | ||||||
| Segment Asset | |||||||
| 1 | Corporate / Wholesale Banking | 75,50,160.00 | 75,50,160.00 | ||||
| 2 | Retail Banking | 69,11,821.00 | 69,11,821.00 | ||||
| 3 | Treasury | 74,38,526.00 | 74,38,526.00 | ||||
| 4 | Other Banking Operations | 4,280.00 | 4,280.00 | ||||
| 5 | Capital and Reserves | 0.00 | 0.00 | ||||
| Total Segment Assets | 2,19,04,787.00 | 2,19,04,787.00 | |||||
| Un-allocable Assets | 3,24,080.00 | 3,24,080.00 | |||||
| Net Segment Assets | 2,22,28,867.00 | 2,22,28,867.00 | |||||
| 4 | Segment Liabilities | ||||||
| Segment Liabilities | |||||||
| 1 | Corporate / Wholesale Banking | 63,26,366.00 | 63,26,366.00 | ||||
| 2 | Retail Banking | 98,12,107.00 | 98,12,107.00 | ||||
| 3 | Treasury | 17,43,230.00 | 17,43,230.00 | ||||
| 4 | Other Banking Operations | 425.00 | 425.00 | ||||
| 5 | Capital and Reserves | 43,45,395.00 | 43,45,395.00 | ||||
| Total Segment Liabilities | 2,22,27,523.00 | 2,22,27,523.00 | |||||
| Un-allocable Liabilities | 1,344.00 | 1,344.00 | |||||
| Net Segment Liabilities | 2,22,28,867.00 | 2,22,28,867.00 | |||||
| Disclosure of notes on segments | Refer details note from site | ||||||
| Particulars | Year ended (dd-mm-yyyy) | |
|---|---|---|
| A | Date of start of reporting period | 01-04-2026 |
| B | Date of end of reporting period | 30-09-2026 |
| 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 | 95,979.00 | |
| 2 | Adjustments for reconcile profit (loss) | |
| Adjustments to profit (loss) | ||
| Adjustments for finance costs | 0.00 | |
| Adjustments for depreciation and amortisation expense | 11,329.00 | |
| 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 | (36.00) | |
| Other adjustments to reconcile profit (loss) | 0.00 | |
| Other adjustments for non-cash items | 1,73,391.00 | |
| Share of profit and loss from partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Total adjustments to profit (loss) | 1,84,684.00 | |
| 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 | (41,69,230.00) | |
| Adjustments for increase (decrease) in trade payables | 0.00 | |
| Adjustments for increase (decrease) in other current liabilities | 18,17,953.00 | |
| Adjustments for provisions | 0.00 | |
| Total adjustments for working capital | (23,51,277.00) | |
| Total adjustments for reconcile profit (loss) | (21,66,593.00) | |
| Net cash flows from (used in) operations | (20,70,614.00) | |
| Dividends received | 0.00 | |
| Interest paid | 0.00 | |
| Interest received | 0.00 | |
| Income taxes paid (refund) | 33,270.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Net cash flows from (used in) operating activities before extraordinary items | (21,03,884.00) | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) operating activities | (21,03,884.00) | |
| 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 | 391.00 | |
| Purchase of tangible assets | 8,771.00 | |
| 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 | (8,380.00) | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) investing activities | (8,380.00) | |
| 5 | Cash flows from used in financing activities | |
| Proceeds from issuing shares | 26,06,016.00 | |
| Proceeds from issuing other equity instruments | 0.00 | |
| Proceeds from issuing debentures notes bonds etc | 0.00 | |
| Proceeds from borrowings | (3,42,466.00) | |
| Repayments of borrowings | 0.00 | |
| Dividends paid | 15,501.00 | |
| 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 | 22,48,049.00 | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) financing activities | 22,48,049.00 | |
| Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes | 1,35,785.00 | |
| 6 | Effect of exchange rate changes on cash and cash equivalents | |
| Effect of exchange rate changes on cash and cash equivalents | 466.00 | |
| Net increase (decrease) in cash and cash equivalents | 1,36,251.00 | |
| Cash and cash equivalents cash flow statement at beginning of period | 23,06,582.00 | |
| Cash and cash equivalents cash flow statement at end of period | 24,42,833.00 | |
| 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 | ||