Other Income de-grew 10% YoY to Rs959 crore
The Board of Directors of RBL Bank Limited approved the unaudited financial results for the quarter ended 30th June 2026 at its meeting held on Friday, 17th July 2026.
Q1 FY27 Results at a glance
Ø Net Profit of Rs254 crore; grew 27% YoY
Ø Operating profit grew 31% YoY to Rs923 crore
Ø NII grew 12% YoY to Rs1,654 crore; NIM at 4.13%
Ø Other Income de-grew 10% YoY to Rs959 crore; Core Fee Income grew 16% YoY to RS923 crore
Ø Operating Expenses de-grew 8% YoY and 5% QoQ to Rs1,691 crore; Cost to Income ratio improved to 64.7% in Q1 FY27 from 72.4% in Q1 FY26
Ø Net Advances grew 23% YoY to Rs116,223 crore; Retail: Wholesale mix was 55:45
Ø Secured Retail advances grew 18% YoY; Unsecured Retail advances grew 8% YoY
Ø Retail Advances grew 13% YoY to Rs64,196 crore
Ø Wholesale advances grew 38% YoY to Rs52,027 crore; Commercial Banking grew at 36% YoY
Ø Total Deposits grew 11% YoY to Rs124,829 crore; CASA Ratio at 29.2%; Average Total Deposits grew 24% YoY to Rs129,362; Average CASA Ratio at 25.2%
Ø Granular Deposits i.e. deposits less than Rs3 crore grew faster at 13% YoY to Rs65,365 crore; at 52.4% of total deposits
Ø Total capital adequacy was 33.3% as of 30th June 2026 vs 14.2% as of 31st March 2026; CET 1 is 32.2% as of 30th June 2026 vs 12.8% as of 31st March 2026
Ø Average LCR for Q1 FY27 was 133%
Ø GNPA down 148 bps YoY to 1.30%; NNPA down 9bps YoY to 0.37%; Provision Coverage Ratio including Technical Write off was 94.94%
During the quarter, Emirates NBD Bank (P.J.S.C) (“ENBD”) infused approximately USD 2.75 billion (~INR 260 billion) on 18 June 2026 by way of a preferential issue. ENBD holds 60% of the expanded share capital of RBL Bank and has been classified as a promoter.
Reflecting on this quarter’s performance, Mr. R Subramaniakumar, MD & CEO, RBL Bank remarked,
“This quarter saw the culmination of our capital raise with Emirates NBD. We are excited by the long term potential of this relationship and believe that this capital will allow us the time and opportunity to invest and scale and build a resilient and relevant Bank for our customers. The Bank also saw an upgrade of its long term credit ratings to AAA”
Results Summary for Q1 FY27
Key financials:
Rs in crore | Q1 FY27 | Q1 FY26 | YoY | Q4 FY26 | QoQ |
Net Interest Income | 1,654 | 1,481 | 12% | 1,671 | -1% |
Other Income | 959 | 1,069 | -10% | 1,069 | -10% |
Net Total Income | 2,614 | 2,550 | 2% | 2,740 | -5% |
Operating Expenses | 1,691 | 1,847 | -8% | 1,785 | -5% |
Operating Profit | 923 | 703 | 31% | 955 | -3% |
Provisions and contingencies | 599 | 442 | 35% | 678 | -12% |
Net Profit | 254 | 200 | 27% | 230 | 10% |
Rs in crore | June 30, 2026 | June 30, 2025 | YoY | March 31, 2026 | QoQ |
Advances | 1,16,223 | 94,431 | 23% | 1,14,232 | 2% |
Retail Advances | 64,196 | 56,625 | 13% | 67,119 | -4% |
Secured Retail Advances | 36,561 | 30,946 | 18% | 40,207 | -9% |
Deposits | 1,24,829 | 1,12,734 | 11% | 1,39,018 | -10% |
Granular Deposits | 65,365 | 57,934 | 13% | 63,943 | 2% |
CASA Deposits | 36,468 | 36,614 | 0% | 46,723 | -22% |
Average CASA Deposits for the Quarter | 32,592 | 29,351 | 11% | 33,814 | -4% |
Investments | 37,777 | 23,829 | 59% | 32,078 | 18% |
Key ratios:
Particulars (in %) | Q1 FY27 | Q1 FY26 | Q4 FY26 |
Net Interest Margin | 4.13 | 4.50 | 4.41 |
Cost to Income | 64.70 | 72.44 | 65.13 |
Credit Cost | 0.54 | 0.50 | 0.65 |
Return on Assets | 0.57 | 0.56 | 0.55 |
Return on Equity | 4.01 | 5.11 | 5.69 |
Gross NPA | 1.30 | 2.78 | 1.45 |
Net NPA | 0.37 | 0.45 | 0.39 |
PCR incl. Technical Write-offs | 94.94 | 94.18 | 94.91 |
PCR | 72.00 | 84.03 | 73.57 |
