RBL Bank Limited
₹351.00-₹10.00 (-2.8%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹18,851 Cr
- P/E
- 39.3x
- Revenue
- ₹14,039 Cr
- ROCE
- -2.3%
Price chart
Technical chartScreen technicals →+8.0% over the last year
Daily closes.
Go deeper
Technical chart: candles, 9 moving averages, RSI, MACD and drawing tools
Performance
Price change over each period, before dividends.
- 1M
- -13.2%
- 3M
- -7.0%
- 6M
- +4.3%
- 1Y
- +8.0%
- 5Y
- +72.5%
52-week range
Day change -₹10.00 (-2.8%) from ₹361 to ₹351 · Last close Oct 30, 2026
Best weekday to invest, historically
The same weekly amount in RBLBANK, bought on each weekday since 2021.
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.
About the company
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.
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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.
- Sector
- Financial Services
- Shares outstanding
- 61.6 Cr shares
- ISIN
- INE976G01028
- BSE code
- 540065
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹18,851 Cr
- P/E
- 39.3x
- P/B
- 1.2x
- Earnings yield
- 2.5%
- 52-week high
- ₹427.00
- 52-week low
- ₹288.50
Profitability
- ROE
- 4.5%
- ROCE
- -2.3%
- Dividend payout
- 8.0%
- Tax rate
- 7.0%
- Other income, % of PBT
- 243.1%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹14,039 Cr
- Revenue growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 13.3%
- Revenue CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 7.8%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹3,043 Cr
- EBITDA growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 22.3%
- Net profit growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -40.5%
- Net profit CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 18.2%
- Cash from operationsLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹4,935 Cr
- CFO growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -144.7%
- Free cash flowLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -₹1,608 Cr
Solvency and efficiency
- CFO / Net profit
- 4.23
Where the revenue went
FY2025 ended in a loss, so the lines are listed rather than drawn as a flow.
| Line | FY2025 |
|---|---|
| Revenue | ₹14,039 Cr |
| Interest paid | ₹7,576 Cr |
| Expenses | ₹9,382 Cr |
| Financing profit | -₹2,919 Cr |
| Other income | ₹3,806 Cr |
| Depreciation | ₹219 Cr |
| Profit before tax | ₹668 Cr |
| Tax and other | -₹27 Cr |
| Net profit | ₹695 Cr |
Revenue and net profit
Revenue grew 13.3% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹8,329 Cr | ₹508 Cr |
| FY2022 | ₹8,176 Cr | -₹75 Cr |
| FY2023 | ₹9,677 Cr | ₹883 Cr |
| FY2024 | ₹12,394 Cr | ₹1,168 Cr |
| FY2025 | ₹14,039 Cr | ₹695 Cr |
Cash flows
FY2025: -₹842 Cr from operations, -₹1,105 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | ₹7,597 Cr | ₹7,440 Cr |
| FY2022 | ₹6,449 Cr | ₹6,203 Cr |
| FY2023 | -₹11,044 Cr | -₹11,267 Cr |
| FY2024 | ₹4,935 Cr | ₹4,763 Cr |
| FY2025 | -₹842 Cr | -₹1,105 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹14,039 Cr+13.3%1Y
- Net profit
- ₹695 Cr-40.5%1Y
- Cash from operations
- -₹842 Cr-117.1%1Y
- Free cash flow
- -₹1,105 Cr-123.2%1Y
- Revenue CAGR, 5Y
- 7.8%
- EBITDA CAGR, 5Y
- 9.8%
- Net profit CAGR, 5Y
- 18.2%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹14,039 Cr | -₹2,919 Cr | — | ₹695 Cr | -₹842 Cr | -₹1,105 Cr | — | +13.3% | -40.5% |
Monthly returns
Month-by-month returns of RBLBANK across the years, with the seasonal pattern.
Balance sheet
What the company owns and owes at the end of FY2025.
| Line | FY2025 |
|---|---|
| Liabilities and equity | ₹1.5 L Cr |
| Equity capital | ₹608 Cr |
| Reserves | ₹14,999 Cr |
| Deposits | ₹1.1 L Cr |
| Borrowings | ₹13,734 Cr |
| Other liabilities | ₹6,441 Cr |
| Assets | ₹1.5 L Cr |
| Fixed assets | ₹570 Cr |
| Capital work in progress | ₹7 Cr |
| Investments | ₹32,165 Cr |
| Other assets | ₹1.1 L Cr |
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
RBLBANK trades at 39.3x earnings against a peer median of 26.9x (a 46% premium).
Not shown (no positive earnings and no EV / Sales): Choice International Ltd.
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| RBL Bank LimitedRBLBANKthis companyP/E ↑ premium | ₹18,851 Cr | 39.3x | 1.2x | 4.5% | — |
| National Securities Depository LimitedNATIONAL | ₹20,703 Cr | 63.3x | 10.5x | 17.8% | 60.7x |
| CreditAccess Grameen Ltd.CREDITACC | ₹20,641 Cr | 154.0x | 2.9x | 7.6% | — |
| City Union Bank LtdCUB | ₹20,548 Cr | 17.0x | 2.1x | 11.9% | — |
| JSW Holdings LimitedJSWHL | ₹20,014 Cr | 170.0x | 0.6x | 0.6% | 126.1x |
| PUNJAB & SIND BANKPSB | ₹19,385 Cr | 16.7x | 1.4x | 7.6% | — |
| Choice International LtdCHOICEIN | ₹18,054 Cr | — | 26.1x | 1.7% | 2955.2x |
| Computer Age Management Services LimitedCAMS | ₹17,619 Cr | 40.0x | 15.6x | 42.6% | 34.3x |
| Capri Global Capital LimitedCGCL | ₹17,337 Cr | 27.6x | 2.8x | 10.5% | 23.3x |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
RBLBANK since 1 January, against earlier years.
Historical volatility
RBLBANK's day-to-day swings over 30, 60 and 180 days.
Financial statements
Income statement, balance sheet and cash flow as reported, in ₹ crore, grouped into plain-language lines.
Figures in ₹ crore as reported, fiscal years ending March, newest first; the trailing twelve months (TTM) last.
Operating margin by fiscal year
| Date | Operating margin |
|---|---|
| FY2021 | -12.0% |
| FY2022 | -28.0% |
| FY2023 | -12.0% |
| FY2024 | -13.0% |
| FY2025 | -21.0% |
| Line | FY2025 |
|---|---|
| Revenue | ₹14,039 Cr |
| Costs | |
| Interest | ₹7,576 Cr |
| Expenses | ₹9,382 Cr |
| Financing profitFinancing Profit | -₹2,919 Cr |
| Financing marginFinancing Margin % | -21.0% |
| Other income and charges | |
| Profit before tax | ₹668 Cr |
| Tax | |
| Net profitNet Profit | ₹695 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Liabilities and equityTotal Liabilities | ₹1.5 L Cr |
| Equity capitalEquity Capital | ₹608 Cr |
| Reserves | ₹14,999 Cr |
| Deposits | ₹1.1 L Cr |
| BorrowingsBorrowing | ₹13,734 Cr |
| Other liabilitiesOther Liabilities | ₹6,441 Cr |
| AssetsTotal Assets | ₹1.5 L Cr |
| Fixed assetsFixed Assets | ₹570 Cr |
| Capital work in progressCWIP | ₹7 Cr |
| Investments | ₹32,165 Cr |
| Other assetsOther Assets | ₹1.1 L Cr |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | -₹842 Cr |
| Investing cash flowCash from Investing Activity | -₹263 Cr |
| Financing cash flowCash from Financing Activity | -₹503 Cr |
| Change in cashNet Cash Flow | -₹1,608 Cr |
Learn while you research
Academy chapters picked for RBL Bank Limited and the metrics on this page.
- 01 Taxes on Investments (India)LTCG, STCG, dividend tax, what every Indian investor needs.6 min read
- 02 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read
- 03 Valuation Multiples ExplainedThis stock trades at a P/E of 39.3, learn when high multiples are justified.6 min read
- 04 Stock Market RisksSmall caps carry concentrated, idiosyncratic risk, learn to manage it.6 min read
- 05 Sector AnalysisBanks & financials are uniquely sensitive to rates and credit cycles.6 min read
- 06 Essential Stock RatiosP/E, P/B, EV/EBITDA, what they mean and when to use each.7 min read