| Metric | Value (₹ Cr) | Q3 FY26 | Q4 FY25 |
|---|---|---|---|
| Revenue | 3.7K | 1.5% | 7.0% |
| Total Income | 4.8K | 1.6% | 7.0% |
| Expenditure | 3.8K | 0.8% | 6.1% |
| PBT | 294.13 | 1.7% | 215.2% |
| Net Profit | 244.42 | 7.2% | 181.0% |
| OPM | 26.14% | 0.82pp | 0.87pp |
| NPM | 5.10% | 0.27pp | 3.16pp |
| EPS | 3.96 | 6.7% | 176.9% |
RBL Bank Q4 FY26 Net Profit up 234% YoY to ₹230 Cr
25 Apr 2026 · 25 Apr, 2:01 pm
Summary
RBL Bank Limited announced a robust financial performance for Q4 FY26 and the full financial year ended March 31, 2026. The bank reported a significant 234% year-on-year surge in Net Profit for Q4 FY26 to ₹230 crore, contributing to an 18% growth in Net Profit for the full year to ₹822 crore. This strong performance was underpinned by a 7% year-on-year increase in Net Interest Income to ₹1,671 crore and healthy balance sheet expansion, with Net Advances growing 23% year-on-year to ₹114,232 crore and Total Deposits up 25% year-on-year to ₹139,018 crore. Mr. R Subramaniakumar, MD & CEO, noted the stable and sustained operating performance, driven by strong momentum in granular retail advances and a strengthening granular deposit franchise, further bolstered by strategic branch expansion and key regulatory approvals.
Key Highlights
- 1
RBL Bank's Net Profit for Q4 FY26 soared by 234% year-on-year to ₹230 crore, while for the full financial year FY26, it grew by 18% to ₹822 crore.
- 2
Net Interest Income (NII) for Q4 FY26 increased by 7% year-on-year and 1% quarter-on-quarter to ₹1,671 crore, with the Net Interest Margin (NIM) standing at 4.41%.
- 3
Net Advances expanded significantly by 23% year-on-year and 11% quarter-on-quarter, reaching ₹114,232 crore, maintaining a Retail:Wholesale mix of 59:41.
- 4
Total Deposits grew by 25% year-on-year and 16% quarter-on-quarter to ₹139,018 crore, with CASA deposits growing by 23% year-on-year to ₹46,723 crore, resulting in a CASA Ratio of 33.6%.
- 5
Asset quality improved markedly, with Gross Non-Performing Assets (GNPA) decreasing by 43 basis points quarter-on-quarter to 1.45% and Net Non-Performing Assets (NNPA) declining by 16 basis points quarter-on-quarter to 0.39%.
- 6
The Bank accelerated its branch network expansion during Q4 FY26, adding 23 branches and bringing its total network to 603 branches.
- 7
RBL Bank received regulatory approvals from the RBI and the CCI for the strategic investment by Emirates NBD P.J.S.C, with the transaction in its final stages of closure.
Management Comments
Mr. R Subramaniakumar
Q4 FY26 marks another quarter of stable and sustained operating performance for the Bank. We delivered growth that meaningfully outpaced normalised industry trends, led by sharp momentum in granular retail advances and sustained strengthening of our granular deposit franchise. During the quarter, we accelerated branch expansion by adding 23 branches, taking our total network to 603 branches. This expanded footprint strengthens our ability to deepen customer relationships, enhance sourcing capabilities, and support growth across our retail businesses as we enter the new financial year. Our core operating engine remains robust, anchored in disciplined execution, a continued focus on building a profitable and resilient balance sheet, and the scaling up of cross-sell initiatives across our existing customer base. During the quarter, the Bank received approvals from the RBI and the CCI for the strategic investment by Emirates NBD P.J.S.C in the Bank, and the transaction is now in its final stages of closure.
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