RBL Bank reported a net profit of ₹179 crore for Q2 FY26. Net Interest Income (NII) increased by 5% QoQ to ₹1,551 crore, with a NIM of 4.51%. Core Fee Income also saw growth, rising 17% QoQ to ₹926 crore. Advances grew by 14% YoY, and overall deposits grew by 8% YoY.
Financial Performance
RBL Bank’s net profit reached ₹179 crore in Q2 FY26. NII grew by 5% quarter-over-quarter to ₹1,551 crore, with a Net Interest Margin (NIM) of 4.51%. The bank’s Core Fee Income experienced substantial growth, increasing by 17% QoQ to ₹926 crore. Operating Profit for Q2 FY26 increased by 4% QoQ, reaching ₹728 crore.
Loan Growth and Deposits
Advances grew by 14% year-over-year and 6% quarter-over-quarter, totaling ₹100,529 crore. Retail advances increased by 10% YoY and 6% QoQ, amounting to ₹60,131 crore. Wholesale advances grew by 22% YoY and 7% QoQ to ₹40,397 crore. Overall deposits grew by 8% YoY and 3% QoQ, reaching ₹116,667 crore. CASA deposits grew by 3% YoY to ₹37,169 crore with the CASA ratio at 31.9%.
Asset Quality
GNPA (Gross Non-Performing Assets) decreased by 55 bps YoY to 2.32%, while NNPA (Net Non-Performing Assets) decreased by 22 bps YoY to 0.57%. The Provision Coverage Ratio (PCR) stood at 75.92%, with PCR including Technical Write-off at 92.74%. Credit cost for Q2 FY26 was 54 bps.
Capital Adequacy
The Capital Adequacy Ratio and CET-1, including H1 FY26 profits as of September 30, 2025, were 15.02% and 13.51%, respectively, compared to 15.59% and 14.05% as of June 30, 2025.
Source: BSE
