RBL Bank announced its unaudited financial results for Q3 FY26, reporting a Net Profit of ₹214 crore. Net Interest Income (NII) grew by 5% YoY to ₹1,657 crore, with a NIM of 4.63%. Total Deposits increased by 12% YoY to ₹119,721 crore, and Net Advances grew by 14% YoY to ₹1,03,086 crore. The bank’s Gross NPA stood at 1.88%.
Financial Performance Highlights
In Q3 FY26, RBL Bank’s Net Profit reached ₹214 crore, impacted by one-off expenses of ₹32 crore related to revised wage definitions. Excluding the impact of strategic equity investment sale in Q3 FY25, Other Income grew by 13% YoY to ₹1,050 crore. Core Fee Income also increased by 10% YoY to ₹959 crore.
The bank’s Net Interest Income (NII) saw a 5% YoY increase, reaching ₹1,657 crore. Operating profit, excluding the one-off impact, grew by 7% YoY and 25% QoQ to ₹912 crore.
Balance Sheet Growth
RBL Bank experienced substantial growth in its balance sheet. Net Advances grew by 14% YoY to ₹1,03,086 crore. Total Deposits also increased by 12% YoY to ₹119,721 crore. CASA deposits reached ₹36,972 crore, with a CASA Ratio of 30.9%.
Granular Deposits, i.e. deposits less than ₹3 crore, experienced faster growth at 15% YoY, reaching ₹61,632 crore and accounting for 51.5% of total deposits.
Asset Quality
The bank reported improved asset quality metrics. The Gross NPA ratio decreased by 45 bps QoQ to 1.88%. The Net NPA ratio also saw a slight decrease to 0.55%. The Provision Coverage Ratio, including Technical Write-off, stood at 93.2%.
Capital Adequacy and Liquidity
RBL Bank maintains a strong capital position. As of December 31, 2025, the total capital adequacy ratio was 14.94%, with a CET 1 ratio of 13.45%. The average Liquidity Coverage Ratio (LCR) for Q3 FY26 was 125%.
Source: BSE
