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“Banking franchise in Banking — Lending & Deposits.”
Net Interest Income of ₹6,465 Cr on total income of ₹19,967 Cr.
Cost-to-income ratio at 64.3%. Provision coverage at 14.8% of income.
“material change in regards and microfinance profitability by the time we exit our second half of fiscal twenty twenty seven.”
“card situation improves, which as I was saying as we are saying should start looking better from September, so second half of next year should start moderating internal credit costs quite materially.”
“Unsecured, we have already come on record to say that we will not be growing this.”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 4.5%▼ | 12.6% |
| Net Margin | 3.6%▼ | 12.3% |
| EBITDA Margin | 48.2%▼ | 68.7% |
| Debt To Equity | 7.24x▼ | 7.75x |
| Rev Growth 3yr | 18.2%▲ | 17.4% |
| NIM | 7.0%▼ | 390.0% |
| Cost To Income | 64.3% | - |
| Credit Deposit Ratio | 83.50x | 83.00x |
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| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|---|
| Interest on Advances | ₹11,450 Cr +2.0% | ₹11,225 Cr +12.5% | ₹9,978 Cr +32.2% | ₹7,549 Cr +14.6% | ₹6,585 Cr -4.1% | ₹6,868 Cr -4.2% | ₹7,171 Cr +42.0% | ₹5,050 Cr |
| Income on Investments | ₹2,154 Cr +0.3% | ₹2,147 Cr +5.6% | ₹2,034 Cr +25.1% | ₹1,626 Cr +20.6% | ₹1,348 Cr -1.1% | ₹1,363 Cr -0.7% | ₹1,373 Cr +25.5% | ₹1,093 Cr |
| ₹4,058 Cr +7.4% | ₹3,778 Cr +23.5% | ₹3,060 Cr +22.1% | ₹2,507 Cr +6.6% | ₹2,352 Cr +14.8% | ₹2,048 Cr +6.8% | ₹1,918 Cr +33.1% | ₹1,441 Cr | |
| Total Income | ₹18,150 Cr +1.9% | ₹17,819 Cr +15.3% | ₹15,454 Cr +28.2% | ₹12,056 Cr +11.7% | ₹10,796 Cr +1.8% | ₹10,610 Cr -0.8% | ₹10,697 Cr +38.1% | ₹7,743 Cr |
| Interest Expended | ₹7,838 Cr +3.5% | ₹7,576 Cr +19.3% | ₹6,350 Cr +35.7% | ₹4,679 Cr +12.8% | ₹4,148 Cr -6.3% | ₹4,425 Cr -9.4% | ₹4,885 Cr +29.9% | ₹3,761 Cr |
| Employee Cost | ₹2,404 Cr +10.2% | ₹2,182 Cr +17.5% | ₹1,856 Cr +12.2% | ₹1,653 Cr +26.2% | ₹1,310 Cr +16.7% | ₹1,122 Cr +16.0% | ₹968 Cr +28.6% | ₹752 Cr |
| Other Operating Expenses | ₹4,636 Cr +5.2% | ₹4,407 Cr +7.0% | ₹4,121 Cr +18.4% | ₹3,481 Cr +29.7% | ₹2,684 Cr +37.7% | ₹1,949 Cr -7.1% | ₹2,098 Cr +62.5% | ₹1,292 Cr |
| Provisions & Contingencies | ₹2,366 Cr -20.0% | ₹2,959 Cr +66.4% | ₹1,778 Cr +74.0% | ₹1,022 Cr -64.3% | ₹2,860 Cr +19.1% | ₹2,402 Cr +20.2% | ₹1,999 Cr +212.0% | ₹641 Cr |
| Total Expenditure | ₹14,879 Cr +5.0% | ₹14,165 Cr +14.9% | ₹12,327 Cr +25.6% | ₹9,813 Cr +20.5% | ₹8,142 Cr +8.6% | ₹7,496 Cr -5.7% | ₹7,950 Cr +37.0% | ₹5,805 Cr |
| Profit Before Tax | ₹905 Cr +30.1% | ₹696 Cr -48.4% | ₹1,349 Cr +10.4% | ₹1,221 Cr ↑ Recovery | (₹207 Cr) ↓ Decline | ₹712 Cr -4.7% | ₹747 Cr -42.4% | ₹1,298 Cr |
| Tax | ₹184 Cr ↑ Recovery | (₹21 Cr) ↓ Decline | ₹89 Cr -70.6% | ₹302 Cr ↑ Recovery | (₹40 Cr) ↓ Decline | ₹183 Cr -26.1% | ₹247 Cr -43.4% | ₹436 Cr |
| Net Profit | ₹722 Cr +0.6% | ₹717 Cr -43.1% | ₹1,260 Cr +37.0% | ₹920 Cr ↑ Recovery | (₹166 Cr) ↓ Decline | ₹529 Cr +5.9% | ₹500 Cr -41.9% | ₹861 Cr |
| Profit (Owners) | ₹722 Cr +0.6% | ₹717 Cr -43.1% | ₹1,260 Cr +37.0% | ₹920 Cr ↑ Recovery | (₹166 Cr) ↓ Decline | ₹529 Cr +5.9% | ₹500 Cr -41.7% | ₹858 Cr |
| EPS | ₹11.78 | ₹11.80 | ₹20.82 | ₹15.34 | (₹2.77) | ₹8.85 | ₹9.83 | ₹20.10 |
| Diluted Shares | ₹62 Cr | ₹61 Cr | ₹61 Cr | ₹60 Cr | ₹60 Cr | ₹60 Cr | ₹51 Cr | ₹43 Cr |
| Other Interest | ₹223 Cr -39.2% | ₹366 Cr +66.3% | ₹220 Cr +101.9% | ₹109 Cr -27.1% | ₹150 Cr +291.9% | ₹38 Cr -12.6% | ₹44 Cr -8.2% | ₹48 Cr |
| Interest (RBI & Others) | ₹266 Cr -12.2% | ₹302 Cr +87.0% | ₹162 Cr -39.1% | ₹265 Cr -26.7% | ₹362 Cr +24.0% | ₹292 Cr +52.5% | ₹191 Cr +72.1% | ₹111 Cr |
RBL Bank Limited has informed the Exchange about Schedule of meet
RBL Bank Limited has informed the Exchange about Copy of Newspaper Publication
J.P. Morgan India Pvt Ltd (Manager to the Open Offer) has informed to the Exchange regarding Disclosure of number of Equity Shares tendered in connection with the Open Offer.
RBL Bank Limited has informed the Exchange regarding Grant of ESOPs.
RBL Bank Limited has informed the Exchange about Schedule of meet
J.P. Morgan India Pvt Ltd (Manager to the Open Offer) has informed to the Exchange regarding the updates on Open offer for acquisition of up to 415,586,443 equity shares of Rs. 10 each (Equity Shares)...
RBL Bank Limited has informed the Exchange about Schedule of meet
J. P. Morgan India Private Ltd has submitted to the Exchange a copy of Open offer for acquisition of up to 415,586,443 equity shares of Rs.10 each (Equity Shares) of the company representing 26.00% o...
J P Morgan India Private Ltd has submitted to the Exchange a copy of Open offer for acquisition of up to 415,586,443 equity shares of Rs.10 each (Equity Shares) of the company representing 26.00% of ...
J.P. Morgan India Private Limited has Submitted to the Exchange a copy of Letter of Offer.
J.P. Morgan India Private Limited has Submitted to the Exchange a copy of detailed public statement in terms of Regulation 3(1) and Regulation 4 read with Regulation 13(4), Regulation 15(2) and other ...
RBL Bank Limited has informed the Exchange regarding Pre-offer advertisement cum corrigendum to the detailed public statement dated May 27, 2026 issued in connection with the open offer, made by Emi...
J.P. Morgan India Private Limited (Manager to the Open Offer) has submitted to the Exchange a copy of Pre-offer advertisement in accordance with Regulation 18(7) of the Securities and Exchange Board ...
RBL Bank Limited has informed the Exchange about Schedule of meet
RBL Bank Limited has informed the Exchange regarding Newspaper Advertisements