Provisions (other than tax) and contingencies fell 13.61% YoY to Rs 678.32 crore during Q4 FY26, indicating a gradual moderation in credit costs. Profit before tax surged 264.31% to Rs 277.06 crore in Q4 FY26 as against Rs 76.05 crore posted in the year-ago period.
Net interest income rose 7% YoY to Rs 1,671 crore in the quarter ended 31 March 2026. Net interest margin (NIM) stood at 4.41% in Q4 FY26, compared to 4.89% reported in the same quarter a year ago.
Operating profit stood at Rs 955 crore in Q4 FY26, up 11% YoY and 5% quarter-on-quarter (QoQ).
On the asset quality front, the gross non-performing assets (GNPA) ratio improved to 1.45% as of 31 March 2026, from 2.60% a year ago and 1.88% as of 31 December 2025. Net NPA ratio stood at 0.39% as of 31 March 2026, compared with 0.29% as of 31 March 2025 and 0.55% as of 31 December 2025.
The provision coverage ratio (PCR), including technical write-offs, stood at 94.91% as of 31 March 2026, slightly lower than 96.45% reported a year ago.
As of 31 March 2026, net advances grew 23% YoY to Rs 114,232 crore, while deposits increased 25% YoY to Rs 139,018 crore.
CASA deposits rose 23% YoY to Rs 46,723 crore, with CASA ratio at 33.6% as of 31 March 2026.
The capital adequacy ratio stood at 14.25% as of 31 March 2026, compared with 14.94% as of 31 December 2025. The CET-1 ratio came in at 12.77% versus 13.45% QoQ. The average liquidity coverage ratio (LCR) for Q4 FY26 was 130%.
As of 31 March 2026, the bank had 1,942 total touchpoints, of which 603 were bank branches and 1,339 were business correspondent branches. Of the 1,339 BC branches, 258 were banking outlets. RBL Finserve ('RBL Finserve'), a 100% subsidiary of the Bank, accounts for 1,080 business correspondent branches.
R. Subramaniakumar, MD & CEO, RBL Bank, remarked, 'Q4 FY26 marks another quarter of stable and sustained operating performance for the bank. We delivered growth that meaningfully outpaced normalized 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.'
Meanwhile, the bank's board has recommended a dividend of Re 1 per equity share of face value Rs 10 each (10%), subject to shareholders' approval at the ensuing annual general meeting (AGM).
RBL Bank is one of India's leading private sector banks with an expanding presence across the country. The bank offers specialized services under five business verticals, namely, corporate & institutional banking, commercial banking, branch & business banking, retail assets, and treasury and financial markets operations.
Shares of RBL Bank fell 2.86% to Rs 312.65 on the BSE.
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Valued Customer,
BOB Capital Markets Limited (BOBCaps) is firmly committed to the safety of your wealth. We would like to bring to your notice certain precautions that you certainly must take against potential tele-fraudsters/ unscrupulous and unregistered portfolio managers:
ALWAYS AVOID
We would like to caution you against such fraudulent calls and SMSes and urge you to be alert. Follow the golden rule:
Do not share your Login Credentials or Passwords with anybody
BOBCaps employees / representatives never ask for your password.
Certain tele-fraudsters / unscrupulous and unregistered portfolio managers call customers or SMS them on the pretext of providing investment tips and lure them to invest through their bogus firms by promising huge profits.
Such deceitful callers ask the customer to share his/her login credentials with passwords to allow trading in their accounts, assuring huge returns.
Often trades done in the customer’s accounts are far from the best interest of the customers. Holdings of customers are often sold and with the funds, trades are then placed in illiquid securities at unrealistic prices.
At times, the holdings of customers are sold at prices detrimental to the customer. The so-called “portfolio manager” assures profits, which naturally does not materialize. Customers are deceived into providing access to their trading accounts, thereby allowing such fraudsters access to funds and securities available to execute trades, injurious to the customer’s interest.
In our continuous effort to keep you safeguard from the market related frauds and increase awareness while conducting trades, we request you to go through the Press Release issued by the NSE and would request you to ensure that you do not engage with the individuals and entities mentioned below: