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RBL Bank Ltd. (IN:RBLBANK)
:RBLBANK
India Market

RBL Bank Ltd. (RBLBANK) AI Stock Analysis

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IN:RBLBANK

RBL Bank Ltd.

(RBLBANK)

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Neutral 65 (OpenAI - 4o)
Rating:65Neutral
Price Target:
₹287.00
▼(-10.52% Downside)
RBL Bank's overall stock score reflects strong technical momentum and solid financial growth, tempered by valuation concerns and inconsistent profitability. The stock's overbought technical indicators suggest caution, while high liabilities and negative cash flows highlight areas needing improvement.
Positive Factors
Revenue Growth
Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term financial health.
Equity Base Improvement
A growing equity base enhances financial stability and provides a buffer against economic downturns, supporting future growth initiatives.
Cost Management
Improved cost management boosts profitability and operational efficiency, allowing RBL Bank to reinvest in growth and innovation.
Negative Factors
Inconsistent Profitability
Fluctuating profitability can undermine investor confidence and impact the bank's ability to fund future projects or expansions.
Negative Cash Flow
Negative cash flow indicates potential liquidity issues, which could constrain the bank's operational flexibility and investment capacity.
High Liabilities
High liabilities can strain financial resources and increase vulnerability to economic shifts, necessitating careful debt management.

RBL Bank Ltd. (RBLBANK) vs. iShares MSCI India ETF (INDA)

RBL Bank Ltd. Business Overview & Revenue Model

Company DescriptionRBL Bank Limited operates as a scheduled commercial bank in India. It operates through Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations segments. The company's deposit products include savings, current, and institution accounts, as well as fixed deposits. It also offers business, home, personal, car, and education loans, as well as loans against property, overdraft against property, loans against gold, working capital finance, and unsecured and secured small business loans; life, general, and health insurance products; investments services, such as wealth management, e-ASBA, and national pension system; and demat account. In addition, the company provides online tax and bill payment, online banking, digital and net banking, and merchant payment services, as well as debit, credit, and prepaid cards. Further, it offers mergers and acquisitions advisory, private equity capital advisory, project and infrastructure finance, structured finance, and real estate financing; cash management, trade and remittance, and supply chain finance services; and financial markets and treasury products, such as capital markets, and forex and bullion. Additionally, the company provides agribusiness, NRI, and signature banking services, as well as safe deposit lockers. As of July 31, 2021, it operated a network of approximately 435 bank branches; 1,424 business correspondent branches; and 380 ATMs. The company was formerly known as The Ratnakar Bank Limited and changed its name to RBL Bank Limited in August 2014. RBL Bank Limited was incorporated in 1943 and is based in Mumbai, India.
How the Company Makes MoneyRBL Bank generates revenue primarily through interest income earned on loans and advances, which constitutes a significant portion of its earnings. The bank charges interest on various loan products, including personal loans, home loans, and business loans. Additionally, RBL Bank earns fee-based income from services such as credit and debit card transactions, account maintenance charges, and transaction fees for banking services. The bank also benefits from investment income generated from its securities portfolio. Key partnerships with fintech companies and other financial institutions enhance its product offerings and customer reach, further contributing to its revenue streams.

RBL Bank Ltd. Financial Statement Overview

Summary
RBL Bank shows strong revenue growth and an improving equity base, which are positive indicators. However, inconsistencies in profitability and recent negative cash flows are concerning. The balance sheet is robust, but high liabilities need careful management.
Income Statement
RBL Bank has demonstrated a positive trend in total revenue, increasing from 58.26 billion in 2020 to 178.19 billion in 2025. Despite this growth, net profit margins have been inconsistent, with a notable dip into negative territory in 2022. The gross profit margin has improved over the years, indicating better cost management. However, the decrease in EBIT and EBITDA margins in recent years suggests challenges in operational efficiency. The bank's revenue growth is commendable, albeit with fluctuating profitability.
Balance Sheet
The balance sheet reflects a solid equity base, with stockholders' equity rising steadily from 105.65 billion in 2020 to 156.70 billion in 2025. The debt-to-equity ratio has improved, indicating better leverage management. However, the relatively high total liabilities suggest potential risks if not managed carefully. The equity ratio has been stable, reflecting a balanced asset structure. Overall, RBL Bank's balance sheet shows strength but requires careful monitoring of liabilities.
Cash Flow
RBL Bank's cash flow statement indicates volatility, with operating cash flow turning negative in 2023 and 2025 after positive figures in previous years. The free cash flow has shown significant fluctuations, posing challenges in maintaining consistent cash reserves. The negative free cash flow in recent years is a concern, reflecting potential liquidity issues. Despite previous years of positive cash flow growth, the current trend highlights the need for improved cash management.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue150.83B178.19B153.22B121.16B107.96B105.50B
Gross Profit92.94B102.43B89.72B74.38B66.48B60.11B
EBITDA4.98B9.32B15.83B14.34B-263.30M6.99B
Net Income5.80B7.17B12.60B9.20B-1.66B5.29B
Balance Sheet
Total Assets0.001.47T1.38T1.16T1.06T1.01T
Cash, Cash Equivalents and Short-Term Investments0.00125.66B144.23B85.27B175.57B134.43B
Total Debt0.00137.35B267.10B237.79B233.36B183.18B
Total Liabilities-156.70B1.31T1.24T1.02T936.32B879.53B
Stockholders Equity156.70B156.70B148.37B135.26B125.30B126.66B
Cash Flow
Free Cash Flow0.00-11.12B28.30B-112.76B61.78B74.52B
Operating Cash Flow0.00-8.24B30.34B-110.31B64.49B76.31B
Investing Cash Flow0.00-2.81B-168.68B-2.34B-2.64B-1.74B
Financing Cash Flow0.00-5.03B194.38B81.03B-1.09B-42.07B

RBL Bank Ltd. Technical Analysis

Technical Analysis Sentiment
Negative
Last Price320.75
Price Trends
50DMA
311.48
Negative
100DMA
295.42
Positive
200DMA
258.12
Positive
Market Momentum
MACD
1.88
Negative
RSI
46.29
Neutral
STOCH
42.95
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:RBLBANK, the sentiment is Negative. The current price of 320.75 is above the 20-day moving average (MA) of 307.99, above the 50-day MA of 311.48, and above the 200-day MA of 258.12, indicating a neutral trend. The MACD of 1.88 indicates Negative momentum. The RSI at 46.29 is Neutral, neither overbought nor oversold. The STOCH value of 42.95 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:RBLBANK.

RBL Bank Ltd. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
75
Outperform
₹110.89B5.311.03%9.52%1.91%
71
Outperform
₹57.88B8.440.76%21.44%17.14%
70
Outperform
₹71.03B6.192.42%
69
Neutral
₹208.64B17.240.69%14.95%14.22%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
65
Neutral
₹188.76B34.450.33%6.67%-54.96%
61
Neutral
₹294.63B62.290.82%3.63%-11.24%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IN:RBLBANK
RBL Bank Ltd.
305.85
156.89
105.32%
IN:CDSL
Central Depository Services (India) Limited
1,409.70
-107.18
-7.07%
IN:CUB
City Union Bank Limited
281.15
120.66
75.18%
IN:DCBBANK
DCB Bank Limited
179.90
71.62
66.14%
IN:J&KBANK
Jammu & Kashmir Bank Ltd.
100.70
14.04
16.20%
IN:KTKBANK
Karnataka Bank Ltd.
187.85
3.76
2.04%

RBL Bank Ltd. Corporate Events

RBL Bank Reports Analyst Meeting with Investec, Affirms Regulatory Compliance
Dec 23, 2025

RBL Bank Limited has disclosed to the stock exchanges that it held a one-on-one analyst and investor meeting with Investec Capital Services (India) Private Limited on December 22, 2025, via video conferencing in Mumbai, in line with SEBI’s Listing Obligations and Disclosure Requirements. The bank emphasized that no unpublished price sensitive information was shared during the interaction and that details of the engagement have been made available on its website, underscoring its adherence to regulatory transparency and investor communication norms.

RBL Bank Announces CFO Resignation and Interim Successor
Dec 15, 2025

RBL Bank Limited announced the resignation of its Chief Financial Officer, Mr. Buvanesh Tharashankar, who is leaving to pursue opportunities outside the bank. The bank has accepted his resignation and has an interim successor in place as per its succession plan, ensuring continuity in its financial management. This change in senior management is part of the bank’s ongoing efforts to adapt and strengthen its leadership team.

RBL Bank Hosts Analyst/Investor Meet in Mumbai
Dec 11, 2025

RBL Bank Limited announced the schedule of an Analyst/Investor Meet held on December 11, 2025, in Mumbai with Emkay Global Financial Services Limited. The meeting was conducted in compliance with SEBI regulations, and no unpublished price sensitive information was disclosed. This meeting is part of RBL Bank’s ongoing efforts to maintain transparency and engage with stakeholders, reflecting its commitment to regulatory compliance and investor relations.

RBL Bank Announces Departure of Independent Director Dr. Somnath Ghosh
Dec 6, 2025

RBL Bank Limited announced the completion of Dr. Somnath Ghosh’s term as a Non-Executive Independent Director, effective December 6, 2025. The Board expressed appreciation for Dr. Ghosh’s valuable contributions during his tenure, which reflects the bank’s commitment to maintaining strong governance and leadership as it continues to navigate the competitive banking sector.

RBL Bank Announces Analyst/Investor Meet Schedule
Dec 4, 2025

RBL Bank Limited announced the schedule of an Analyst/Investor meet held on December 4, 2025, in Mumbai, organized by Motilal Oswal Securities Ltd. The meeting was conducted in compliance with SEBI regulations, ensuring no unpublished price sensitive information was disclosed, and details are available on the bank’s website.

RBL Bank Schedules Analyst and Investor Meet in Mumbai
Dec 4, 2025

RBL Bank Limited has announced a scheduled analyst and investor meeting as part of the Citi India Financial Tour, set to take place on December 15, 2025, in Mumbai. This meeting aims to engage with investors, providing them with insights into the bank’s operations and financial highlights, which are also available on the bank’s website. The initiative reflects RBL Bank’s commitment to transparency and stakeholder engagement, potentially impacting its market perception positively.

RBL Bank Concludes EGM with Shareholder Approval on Key Items
Nov 12, 2025

RBL Bank Limited announced the successful conclusion of its Extraordinary General Meeting (EGM) held on November 12, 2025, where all proposed items were approved by the shareholders with the required majority. This meeting, which included remote e-voting and in-person voting, signifies a strategic alignment with regulatory requirements and enhances the bank’s governance framework, potentially impacting its market positioning positively.

RBL Bank Concludes Postal Ballot with Approval for Executive Remuneration
Oct 30, 2025

RBL Bank Limited announced the successful conclusion of its postal ballot process, which sought approval for the remuneration of its Managing Director & CEO, Mr. R. Subramaniakumar, and Executive Director, Mr. Rajeev Ahuja. The resolutions were passed with the requisite majority through remote e-voting, marking a significant step in the bank’s governance and operational transparency. The results have been made publicly available on the bank’s website and other relevant platforms, underscoring its commitment to regulatory compliance and stakeholder engagement.

RBL Bank Announces EGM Notice Dispatch via Newspaper Ad
Oct 21, 2025

RBL Bank Limited announced the publication of a newspaper advertisement regarding the Extraordinary General Meeting (EGM) of its members. The announcement informs stakeholders of the completion of the dispatch of the EGM notice, including relevant documents, via email. This step is part of the bank’s compliance with regulatory requirements and aims to ensure transparency and effective communication with its shareholders.

RBL Bank Schedules Extraordinary General Meeting for November 2025
Oct 20, 2025

RBL Bank Limited has announced an Extraordinary General Meeting (EGM) scheduled for November 12, 2025, to discuss key resolutions. The meeting will be held in Kolhapur, and members can participate through remote e-voting, which will be open from November 7 to November 11, 2025. The bank has appointed a scrutinizer to ensure a transparent voting process, with results to be announced shortly after the EGM. This meeting is a significant event for stakeholders as it involves critical decisions that could impact the bank’s strategic direction.

RBL Bank Opens Special Window for Physical Share Transfer Deeds
Oct 20, 2025

RBL Bank Limited has announced a special window for the re-lodgment of transfer deeds for physical shares of the bank. This initiative, published in major newspapers, aims to facilitate shareholders in updating their share transfer documentation, potentially impacting the bank’s shareholder management and regulatory compliance.

RBL Bank Targeted in Public Acquisition Announcement
Oct 20, 2025

RBL Bank Limited is the target company in a public announcement submitted by J.P. Morgan India Private Limited to the Exchange. This announcement pertains to the substantial acquisition of shares and takeovers as per the Securities and Exchange Board of India regulations. The announcement may have implications for RBL Bank’s market positioning and shareholder interests.

RBL Bank Releases Earnings Call Recording for Transparency
Oct 19, 2025

RBL Bank Limited announced the availability of the audio recording of its earnings call with analysts and investors, discussing the unaudited financial results for the quarter and half year ended September 30, 2025. This move aligns with SEBI’s Listing Obligations and Disclosure Requirements, enhancing transparency and accessibility for stakeholders.

RBL Bank Releases Unaudited Financial Results for September 2025
Oct 19, 2025

RBL Bank Limited has published its unaudited financial results for the quarter and half-year ending September 30, 2025, as approved by the Board of Directors. The results have been made available through newspaper publications in Financial Express and Lokmat, and are also hosted on the bank’s official website. This announcement is part of the bank’s compliance with SEBI Listing Regulations, reflecting its commitment to transparency and regulatory adherence.

RBL Bank Receives Open Offer Announcement from Emirates NBD
Oct 18, 2025

RBL Bank Limited has announced the receipt of a public announcement from J.P. Morgan India Private Limited regarding an open offer by Emirates NBD Bank. This development is in compliance with the Securities and Exchange Board of India regulations, indicating a potential substantial acquisition of shares. The announcement could impact RBL Bank’s market positioning and shareholder value, reflecting strategic interest from a major international bank.

RBL Bank Schedules Investor Call to Discuss Q2 FY2026 Financial Results
Oct 16, 2025

RBL Bank Limited has announced a scheduled conference call for investors and analysts on October 19, 2025, to discuss its financial results for the quarter and half-year ended September 30, 2025. The call will feature a management discussion on the bank’s performance, followed by a Q&A session, and will be led by the Managing Director and CEO, Mr. R Subramaniakumar, along with other senior management members. This initiative aims to provide transparency and engage stakeholders by making the results and discussions accessible through the bank’s website.

RBL Bank Schedules Investor Call for Financial Results
Oct 15, 2025

RBL Bank Limited has announced that it will host an Investor/Analyst conference call on October 19, 2025, to present its financial results for the quarter and half-year ended September 30, 2025. The results and related investor presentations will be available on the bank’s website following their release to the stock exchanges, and the audio recording and transcript of the call will also be accessible online. This announcement is part of the bank’s compliance with SEBI regulations and reflects its commitment to transparency and communication with stakeholders.

RBL Bank Reports Growth in Deposits and Advances for Q2 FY26
Oct 3, 2025

RBL Bank Limited has reported provisional financial figures for the quarter ended September 30, 2025, highlighting a growth in total deposits and gross advances. The bank’s total deposits increased by 8% year-on-year and 3% quarter-on-quarter, while gross advances crossed Rs. 1 lakh crore, with retail advances growing by 11% year-on-year. The bank continues to focus on increasing its share of retail deposits, which now constitute approximately 51% of its total deposits. These figures are provisional and subject to further approval and audit.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Oct 23, 2025