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/B Ratio model, RBL BANK's fair value works out to ₹219 — 42.6% downside from where it trades today.
RBL BANK shares are currently trading at ₹380.60.
Craytheon also calculates intrinsic value using the P/E Ratio, EPS Growth, and DDM models. The full breakdown with assumptions is available in the detailed analysis.
| Model | Est. Fair Value | vs. Current Price |
|---|---|---|
| P/B Ratio | ₹219 | 42.6% downside to fair value |
| P/E Ratio | Upgrade | Upgrade |
| EPS Growth | Upgrade | Upgrade |
| DDM | Upgrade | Upgrade |
See all valuation models for RBL BANK with detailed assumptions →
RBL BANK Shareholding Pattern
Over the past 4 quarters, promoters bumped up their stake from 0.0% to 60.0%.
On the foreign institutional side, the holding is 8.8% as of June 2026 — down from 15.5%.
On the domestic institutional side, the holding is 17.1% as of June 2026 — down from 35.6%.
| Quarter | Promoter | FII | DII | Public |
|---|---|---|---|---|
| Jun 2026 | 60.0% | 8.8% | 17.1% | 14.2% |
| 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% |
Track quarterly shareholding changes for RBL BANK →
RBL BANK Balance Sheet
Proportional view as of 13 Jul 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 at a Glance
In summary, RBL BANK (RBLBANK) presents the following picture for fundamental analysts.
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 42.6% 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
Want to dig deeper? Craytheon's platform provides 10 years of financial data, four valuation models, and insider trading activity for RBL BANK.