Let's break down RBL BANK (RBLBANK) — from its financial performance to how the market is valuing the stock.
RBL BANK Revenue Trend
In FY2025, RBL BANK posted revenue of ₹17,819 Cr, up 15.3% from ₹15,454 Cr a year earlier.
RBL BANK has delivered a 22.4% revenue CAGR over 10 years — strong, sustained top-line expansion from ₹2,356 Cr to ₹17,819 Cr.
RBL BANK is a major banks company by revenue, with a top line of ₹17,819 Cr.
Revenue has moved in the same direction for 4 years running, suggesting the growth trend has structural legs.
| Year | Revenue | YoY % |
|---|---|---|
| FY2025 | ₹17,819 Cr | +15.3% |
| FY2024 | ₹15,454 Cr | +28.2% |
| FY2023 | ₹12,056 Cr | +11.7% |
| FY2022 | ₹10,796 Cr | +1.8% |
| FY2021 | ₹10,610 Cr | — |
View RBL BANK's full 10-year revenue trend with CAGR analysis →
RBL BANK Profitability
RBL BANK's bottom line weakened to ₹717 Cr in FY2025, a 43.1% decline year-over-year.
The company's net margin contracted to 4.0% in FY2025 from 8.2% in FY2024.
Per-share earnings moved to ₹11.76 in FY2025 from ₹20.54 in FY2024.
Is RBL BANK Undervalued
Based on the P/E Ratio model, RBL BANK's fair value works out to ₹219 — 37.2% downside from where it trades today.
RBL BANK shares are currently trading at ₹348.20.
Craytheon also calculates intrinsic value using the EPS Growth, P/B Ratio, and DDM models. The full breakdown with assumptions is available in the detailed analysis.
| Model | Est. Fair Value | vs. Current Price |
|---|---|---|
| P/E Ratio | Upgrade | Upgrade |
| EPS Growth | Upgrade | Upgrade |
| P/B Ratio | ₹219 | 37.2% downside to fair value |
| DDM | Upgrade | Upgrade |
See all valuation models for RBL BANK with detailed assumptions →
RBL BANK Shareholding Pattern
RBL BANK is a widely held company with no promoter group. Ownership is distributed across institutional and public shareholders.
On the foreign institutional side, the holding is 20.2% as of March 2026 — up from 17.6%.
On the domestic institutional side, the holding is 43.3% as of March 2026 — up from 34.7%.
| Quarter | Promoter | FII | DII | Public |
|---|---|---|---|---|
| Mar 2026 | 0.0% | 20.2% | 43.3% | 36.4% |
| Dec 2025 | 0.0% | 21.9% | 40.0% | 38.0% |
| Sep 2025 | 0.0% | 15.5% | 35.6% | 48.9% |
| Jun 2025 | 0.0% | 17.6% | 34.7% | 47.7% |
Track quarterly shareholding changes for RBL BANK →
RBL BANK Balance Sheet
Proportional view as of 3 Jun 2026. Hover blocks for details.
Assets
Liabilities & Equity
Total assets stood at ₹1,467.72B at the end of FY2025, up 6.0% from ₹1,384.54B a year earlier.
Loans & Advances is the largest block at 63.1%, followed by Investments at 21.9% and Cash at 8.6%.
Deposits make up 75.6% of liabilities and equity, with Borrowings at 9.4%, Equity at 10.7%, and Other Liabilities at 4.4%. Over the year, deposits are up 7.2% and equity is up 5.6%.
Balance sheet composition — FY 2025
| Category | Value |
|---|---|
| Cash | 125.66B |
| Loans & Advances | 926.18B |
| Investments | 321.03B |
| Other Assets | 94.84B |
| Category | Value |
|---|---|
| Equity | 156.70B |
| Deposits | 1,109.33B |
| Borrowings | 137.35B |
| Other Liabilities | 64.35B |
RBL BANK — The Bottom Line
What should investors take away from RBL BANK's (RBLBANK) latest numbers? Here's the summary.
Revenue of ₹17,819 Cr in FY2025, up 15.3% year-over-year.
Long-term revenue has been compounding at 22.4% annually over 10 years.
The company is profitable, with a net margin of 4.0% and net income of ₹717 Cr.
The P/B Ratio model implies 37.2% downside to fair value from the current price. The remaining three models are worth cross-checking before drawing a conclusion — sign up to see the full analysis.
Unlock Full Analysis
There's more to the story. Craytheon's full profile for RBL BANK includes four valuation models, decade-long financials, and insider activity.