RBL Bank Limited
RBL Bank Limited operates as a scheduled commercial bank in India. It operates through Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations segments. The company offers savings, salary, current, special institutions, and seafarer accounts; safe deposit lockers; fixed, recurring, and smart deposits; and portfolio investment schemes. It also provides housing, personal, business, pre-owned car, two-wheeler, education, business, crop, agri investment, agri allied, and micro-enterprise loans, as well as overdrafts, rural vehicle finance, loans against gold ornaments, loans against property, working capital finance, and unsecured and secured small business loans; life, general, and health insurance products; investments services, such as e-ASBA and national pension system; and Demat accounts. In addition, the company offers online tax and bill payment, missed call recharge and facility, payment gateway, and merchant acquiring services; online, mobile, and digital banking; debit, credit, commercial, and prepaid cards; outward remittances; wire transfer and foreign currency cheques; and developmental banking and financial inclusion services, including loan syndications. Further, it provides corporate finance; investment banking services, comprising mergers and acquisitions advisory and private equity capital advisory; project and infrastructure finance, structured finance, and real estate financing; cash management, trade and remittance, and supply chain finance services; and financial markets and treasury products, including capital markets, and forex and bullion. Additionally, the company offers agribusiness, NRI, and preferred banking services. It operates a network of bank branches, business correspondent branches, and ATMs. The company was formerly known as The Ratnakar Bank Limited and changed its name to RBL Bank Limited in August 2014. RBL Bank Limited was incorporated in 1943 and is based in Mumbai, India.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Strong 5-year net profit CAGR of 18.2%
Concerns1
- Low return on equity of 4.5%
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ14.04 K Cr | β | βΉ695.00 Cr | β | β | β | 13.3% | -40.5% |
| Mar 2024 | βΉ12.39 K Cr | β | βΉ1.17 K Cr | β | β | β | 28.1% | 32.3% |
| Mar 2023 | βΉ9.68 K Cr | β | βΉ883.00 Cr | β | β | β | 18.4% | -1277.3% |
| Mar 2022 | βΉ8.18 K Cr | β | βΉ-75.00 | β | β | β | -1.8% | -114.8% |
| Mar 2021 | βΉ8.33 K Cr | β | βΉ508.00 Cr | β | β | β | -2.2% | 0.4% |
| Mar 2020 | βΉ8.51 K Cr | β | βΉ506.00 Cr | β | β | β | 35.1% | -41.6% |
| Mar 2019 | βΉ6.30 K Cr | β | βΉ867.00 Cr | β | β | β | 39.8% | 36.5% |
| Mar 2018 | βΉ4.51 K Cr | β | βΉ635.00 Cr | β | β | β | 21.4% | 42.4% |
| Mar 2017 | βΉ3.71 K Cr | β | βΉ446.00 Cr | β | β | β | 35.3% | 52.7% |
| Mar 2016 | βΉ2.74 K Cr | β | βΉ292.00 Cr | β | β | β | 40.5% | 41.1% |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue | 13,960 |
| Finance Costs | 7,781 |
| Total Expenses | 9,882 |
| Financing Profit | -3,702 |
| Financing Margin % | -27% |
| Other Income | 4,076 |
| Depreciation & Amortisation | 0 |
| Profit Before Tax | 373 |
| Tax % | - |
| Net Profit / PAT | 480 |
| EPS (βΉ) | 7.87 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| RBL Bank Limitedthis co. | βΉ18.85 K Cr | βΉ14.04 K Cr | 39.30 | 1.18 | 0.00 | 13.3% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |