RBL Bank has announced its financial performance for the quarter and year ended March 31, 2026. The bank recorded a net profit of ₹230 crore for Q4 FY26, supported by healthy loan and deposit growth. Total business grew by 24% year-on-year to ₹253,250 crore. Asset quality continued to improve, with GNPA down 115 bps year-on-year to 1.45%, reflecting a stable and robust operational performance for the fiscal year.
Operating Performance Overview
For the fourth quarter ended March 31, 2026, RBL Bank reported a net profit of ₹230 crore. The Net Interest Income (NII) witnessed a 7% year-on-year growth, reaching ₹1,671 crore, with a Net Interest Margin (NIM) of 4.41%. Core Fee Income also showed positive momentum, rising 9% year-on-year to ₹1,057 crore, while the operating profit for the same period grew by 11% to ₹955 crore.
Growth in Advances and Deposits
The bank achieved strong growth across its key business segments. Total advances grew by 23% year-on-year to ₹114,232 crore. The retail segment saw a 20% growth, reaching ₹67,119 crore, while wholesale advances grew by 28% to ₹47,112 crore. On the liability side, overall deposits surged by 25% year-on-year to ₹139,018 crore, with CASA deposits growing by 23% to ₹46,723 crore.
Asset Quality and Capital Position
RBL Bank demonstrated improved asset quality metrics during the quarter. The Gross Non-Performing Assets (GNPA) ratio improved significantly, declining by 115 bps year-on-year to 1.45%, while the Net NPA ratio stood at 0.39%. The Provision Coverage Ratio (PCR) remained solid at 73.6% (94.9% including technical write-offs). Furthermore, the bank maintained a healthy capital position, with a Capital Adequacy Ratio (CRAR) of 14.25% as of March 31, 2026.
Digital Banking and CSR Initiatives
The bank continues to prioritize digital transformation, reporting 260+ APIs exposed to partners and ~4.24 lakh files processed through its e-sign/stamp platform during Q4. Additionally, its CSR initiatives, such as the UMEED program, successfully distributed 1,500 bicycles to girl students across India, and the Dhanvantari project achieved a milestone of touching 1 lakh lives through essential healthcare and eye check-up services.
Source: BSE
