RBL Bank has announced strong financial results for the quarter and financial year ended March 31, 2026. The bank reported a significant 234% year-on-year growth in net profit for Q4 FY26, reaching ₹230 crore. This performance was driven by healthy growth in retail advances and total deposits. Additionally, the bank’s asset quality improved, with gross NPA declining to 1.45%. The board has also proposed a dividend of ₹1 per share.
Financial Highlights for Q4 and FY26
RBL Bank demonstrated sustained operational momentum throughout the fiscal year. For the fourth quarter ended March 31, 2026, the bank achieved a 234% YoY growth in net profit to ₹230 crore. For the full fiscal year 2026, the net profit stood at ₹822 crore, marking an 18% increase. Net Interest Income (NII) for the quarter grew by 7% YoY to ₹1,671 crore, while the Net Interest Margin (NIM) was reported at 4.41%.
Advances and Deposit Expansion
The bank saw healthy expansion across its business segments. Net advances grew by 23% YoY to ₹114,232 crore, with the retail and wholesale mix standing at 59:41. Notably, secured retail advances surged by 36% YoY. On the liability side, total deposits increased by 25% YoY to ₹139,018 crore, with a strong focus on granular retail deposits, which account for 46% of total deposits.
Asset Quality and Capital Position
Asset quality metrics showed positive trends, with Gross NPA improving significantly to 1.45% from 1.88% in the previous quarter. The Net NPA also saw a reduction, reaching 0.39%. The bank remains well-capitalized to support future growth, with a total capital adequacy ratio of 14.25% and a CET-1 ratio of 12.77% as of the end of the fiscal year.
Operational Milestones
During the quarter, RBL Bank accelerated its expansion strategy, adding 23 new branches to bring the total network to 603 branches. Mr. R Subramaniakumar, MD & CEO, noted that the bank’s strategy of disciplined execution and focus on building a resilient balance sheet remains the core driver of performance. Furthermore, the bank is in the final stages of closing the strategic investment transaction with Emirates NBD P.J.S.C.
Source: BSE
