Rbl Bank Ltd
RBLBANK
Banks
₹ 324.95
Price
₹ 19,932
Market Cap
Mid Cap
41.51
P/E Ratio
📊 Score Snapshot
2.61 / 25
Performance
19.81 / 25
Valuation
1.2 / 20
Growth
7.0 / 30
Profitability
30.62 / 100
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🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | -69.60 | 43.29 | -212.34 | 54.33 | 86.62 | -140.64 | -15.05 | -69.95 |
| Adj Cash PAT | -4,228 | 2,620 | -12,738 | 3,260 | 5,184 | -7,160 | -642.00 | -2,936 |
| Adj Cash PAT To PAT | -6.07 | 2.24 | -14.43 | -43.47 | 10.23 | -14.15 | -0.74 | -4.62 |
| Adj Cash PE | - | 5.88 | - | 2.52 | 2.50 | - | - | - |
| Adj EPS | 11.46 | 19.31 | 14.72 | -1.25 | 8.46 | 9.94 | 20.32 | 15.13 |
| Adj Number Of Shares | 60.75 | 60.52 | 59.99 | 60.00 | 59.84 | 50.91 | 42.67 | 41.97 |
| Adj PE | 15.38 | 13.19 | 9.59 | - | 25.49 | 11.16 | 33.03 | 32.66 |
| Adj Peg | - | 0.42 | - | - | - | - | 0.96 | 1.21 |
| Bvps | 256.91 | 244.48 | 226.32 | 210.32 | 211.61 | 207.88 | 176.89 | 159.71 |
| Cash Revenue | 14,039 | 24,788 | 19,354 | 16,621 | 17,005 | 17,293 | 12,603 | 9,069 |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Dividend Yield | 0.58 | 0.61 | 1.04 | - | - | 1.34 | 0.39 | 0.43 |
| Fcfe | -4,722 | 3,516 | -10,527 | 3,045 | -596.47 | -2,052 | 1,860 | -3,011 |
| Fcfe Margin | -33.63 | 14.18 | -54.39 | 18.32 | -3.51 | -11.87 | 14.76 | -33.20 |
| Fcfe To Adj PAT | -6.78 | 3.01 | -11.92 | -40.60 | -1.18 | -4.06 | 2.15 | -4.74 |
| Market Cap | 10,707 | 15,405 | 8,465 | 8,220 | 12,937 | 5,648 | 28,634 | 20,737 |
| PB | 0.69 | 1.04 | 0.62 | 0.65 | 1.02 | 0.53 | 3.79 | 3.09 |
| PE | 15.41 | 13.19 | 9.59 | - | 25.47 | 11.16 | 33.02 | 32.66 |
| Peg | - | 0.42 | - | - | - | - | 0.96 | 1.20 |
| PS | 0.76 | 0.62 | 0.44 | 0.49 | 0.76 | 0.33 | 2.27 | 2.29 |
| ROE | 4.58 | 8.24 | 6.74 | -0.59 | 4.36 | 5.58 | 12.17 | 11.51 |
| Share Price | 176.24 | 254.55 | 141.10 | 137.00 | 216.20 | 110.95 | 671.05 | 494.10 |
📊 Quarterly Results
| Metric | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 3,507 | 3,441 | 3,476 | 7,073 | 7,062 | 6,993 | 6,678 | 6,382 | 6,016 | 5,711 | 5,285 | 4,995 | 4,572 | 4,292 |
| Interest | 1,957 | 1,960 | 1,913 | 1,951 | 1,916 | 1,796 | 1,739 | 1,646 | 1,533 | 1,434 | 1,285 | 1,220 | 1,111 | 1,062 |
| Expenses - | 2,255 | 2,290 | 2,487 | 2,851 | 2,251 | 2,013 | 2,002 | 2,016 | 2,089 | 1,726 | 1,672 | 1,621 | 1,487 | 1,365 |
| Financing Profit | -704.00 | -809.00 | -924.00 | -1,266 | -636.00 | -313.00 | -402.00 | -470.00 | -614.00 | -304.00 | -315.00 | -344.00 | -312.00 | -337.00 |
| Financing Margin % | -20.07 | -23.51 | -26.58 | -17.90 | -9.01 | -4.48 | -6.02 | -7.36 | -10.21 | -5.32 | -5.96 | -6.89 | -6.82 | -7.85 |
| Other Income - | 933.00 | 1,069 | 1,000 | 1,073 | 927.00 | 805.00 | 875.00 | 778.00 | 704.00 | 685.00 | 674.00 | 618.00 | 583.00 | 614.00 |
| Profit Before Tax | 229.00 | 261.00 | 76.00 | -192.00 | 292.00 | 493.00 | 473.00 | 307.00 | 91.00 | 381.00 | 359.00 | 274.00 | 271.00 | 276.00 |
| Tax % | 21.83 | 23.37 | 9.21 | 117.19 | 23.63 | 24.54 | 25.37 | 24.10 | -223.08 | 24.41 | 24.51 | 23.72 | 25.46 | 27.17 |
| Net Profit - | 179.00 | 200.00 | 69.00 | 33.00 | 223.00 | 372.00 | 353.00 | 233.00 | 294.00 | 288.00 | 271.00 | 209.00 | 202.00 | 201.00 |
| Profit Excl Exceptional | 179.00 | 200.00 | 69.00 | 33.00 | 223.00 | 372.00 | 353.00 | 233.00 | 294.00 | 288.00 | 271.00 | 209.00 | 202.00 | 201.00 |
| Profit For PE | 179.00 | 200.00 | 69.00 | 33.00 | 223.00 | 372.00 | 353.00 | 233.00 | 294.00 | 288.00 | 271.00 | 209.00 | 202.00 | 201.00 |
| Profit For EPS | 179.00 | 200.00 | 69.00 | 33.00 | 223.00 | 372.00 | 353.00 | 233.00 | 294.00 | 288.00 | 271.00 | 209.00 | 202.00 | 201.00 |
| EPS In Rs | 2.91 | 3.29 | 1.13 | 0.54 | 3.66 | 6.13 | 5.83 | 3.87 | 4.89 | 4.80 | 4.52 | 3.49 | 3.36 | 3.36 |
| PAT Margin % | 5.10 | 5.81 | 1.99 | 0.47 | 3.16 | 5.32 | 5.29 | 3.65 | 4.89 | 5.04 | 5.13 | 4.18 | 4.42 | 4.68 |
| PBT Margin | 6.53 | 7.59 | 2.19 | -2.71 | 4.13 | 7.05 | 7.08 | 4.81 | 1.51 | 6.67 | 6.79 | 5.49 | 5.93 | 6.43 |
| Tax | 50.00 | 61.00 | 7.00 | -225.00 | 69.00 | 121.00 | 120.00 | 74.00 | -203.00 | 93.00 | 88.00 | 65.00 | 69.00 | 75.00 |
| Yoy Profit Growth % | -20.00 | -46.00 | -81.00 | -86.00 | -24.00 | 29.00 | 30.00 | 12.00 | 46.00 | 43.00 | 37.00 | 34.00 | 554.00 | 144.00 |
| Adj PAT | 179.00 | 200.00 | 69.00 | 33.00 | 223.00 | 372.00 | 353.00 | 233.00 | 294.00 | 288.00 | 271.00 | 209.00 | 202.00 | 201.00 |
| Adj PAT Margin | 5.10 | 5.81 | 1.99 | 0.47 | 3.16 | 5.32 | 5.29 | 3.65 | 4.89 | 5.04 | 5.13 | 4.18 | 4.42 | 4.68 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 14,039 | 24,788 | 19,354 | 16,621 | 17,005 | 17,293 | 12,603 | 9,069 | 7,426 | 5,488 | 3,906 | 2,704 |
| Interest | 7,576 | 6,351 | 4,678 | 4,149 | 4,541 | 4,885 | 3,761 | 2,741 | 2,492 | 1,925 | 1,397 | 1,010 |
| Expenses - | 9,382 | 7,619 | 6,111 | 6,318 | 4,824 | 4,649 | 2,561 | 1,781 | 1,234 | 833.00 | 627.00 | 449.00 |
| Financing Profit | -2,919 | -1,576 | -1,113 | -2,292 | -1,037 | -1,019 | -21.00 | -15.00 | -12.00 | -14.00 | -70.00 | -108.00 |
| Financing Margin % | -20.79 | -6.36 | -5.75 | -13.79 | -6.10 | -5.89 | -0.17 | -0.17 | -0.16 | -0.26 | -1.79 | -3.99 |
| Other Income - | 3,806 | 3,042 | 2,490 | 2,341 | 1,886 | 1,910 | 1,442 | 1,068 | 755.00 | 490.00 | 398.00 | 259.00 |
| Exceptional Items | 1.00 | 1.00 | - | - | -2.00 | - | - | - | 1.00 | 1.00 | 5.00 | 2.00 |
| Depreciation | 219.00 | 215.00 | 196.00 | 164.00 | 158.00 | 138.00 | 122.00 | 87.00 | 62.00 | 48.00 | 33.00 | 21.00 |
| Profit Before Tax | 668.00 | 1,252 | 1,180 | -115.00 | 689.00 | 753.00 | 1,299 | 967.00 | 681.00 | 428.00 | 300.00 | 133.00 |
| Tax % | -4.04 | 6.71 | 25.17 | 34.78 | 26.27 | 32.80 | 33.26 | 34.33 | 34.51 | 31.78 | 31.00 | 30.08 |
| Net Profit - | 695.00 | 1,168 | 883.00 | -75.00 | 508.00 | 506.00 | 867.00 | 635.00 | 446.00 | 292.00 | 207.00 | 93.00 |
| Profit From Associates | - | - | - | - | - | - | - | -6.00 | 1.00 | - | - | - |
| Minority Share | - | - | - | - | - | - | -4.00 | -2.00 | - | - | - | - |
| Exceptional Items At | 1.00 | 1.00 | - | - | -1.00 | - | - | - | - | 1.00 | 3.00 | 1.00 |
| Profit Excl Exceptional | 695.00 | 1,167 | 883.00 | -75.00 | 509.00 | 506.00 | 867.00 | 635.00 | 446.00 | 292.00 | 204.00 | 91.00 |
| Profit For PE | 695.00 | 1,167 | 883.00 | -75.00 | 509.00 | 506.00 | 867.00 | 635.00 | 446.00 | 292.00 | 204.00 | 91.00 |
| Profit For EPS | 695.00 | 1,168 | 883.00 | -75.00 | 508.00 | 506.00 | 867.00 | 635.00 | 446.00 | 292.00 | 207.00 | 93.00 |
| EPS In Rs | 11.44 | 19.30 | 14.72 | -1.25 | 8.49 | 9.94 | 20.32 | 15.13 | 11.89 | - | - | - |
| Dividend Payout % | 9.00 | 8.00 | 10.00 | - | - | 15.00 | 13.00 | 14.00 | 15.00 | 17.00 | 17.00 | 26.00 |
| PAT Margin % | 4.95 | 4.71 | 4.56 | -0.45 | 2.99 | 2.93 | 6.88 | 7.00 | 6.01 | 5.32 | 5.30 | 3.44 |
| PBT Margin | 4.76 | 5.05 | 6.10 | -0.69 | 4.05 | 4.35 | 10.31 | 10.66 | 9.17 | 7.80 | 7.68 | 4.92 |
| Tax | -27.00 | 84.00 | 297.00 | -40.00 | 181.00 | 247.00 | 432.00 | 332.00 | 235.00 | 136.00 | 93.00 | 40.00 |
| Adj PAT | 696.04 | 1,169 | 883.00 | -75.00 | 506.53 | 506.00 | 867.00 | 635.00 | 446.65 | 292.68 | 210.45 | 94.40 |
| Adj PAT Margin | 4.96 | 4.72 | 4.56 | -0.45 | 2.98 | 2.93 | 6.88 | 7.00 | 6.01 | 5.33 | 5.39 | 3.49 |
🏦 Balance Sheet
| Metric | Sep 2025 | Mar 2025 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | 1,261 | 1,068 | - | 930.41 | 787.89 | 648.91 | 514.48 | 384.55 | 284.86 |
| Average Total Assets | - | 142,578 | 127,154 | - | 111,042 | 103,430 | 94,814 | 84,668 | 71,105 | 55,263 |
| Average Total Equity | - | 15,202 | 14,186 | - | 13,098 | 12,641 | 11,623 | 9,066 | 7,126 | 5,519 |
| Borrowing | 15,224 | 13,734 | 14,184 | - | 13,331 | 11,093 | 11,226 | 17,007 | 11,832 | 9,261 |
| Cwip | - | 7.00 | 7.00 | - | 45.00 | 82.00 | 24.00 | 62.00 | 40.00 | 31.00 |
| Cash Equivalents | 10,839 | 10,752 | 11,793 | - | 5,921 | 12,818 | 6,437 | 6,175 | 4,687 | 2,374 |
| Deposits | 116,667 | 110,944 | 103,494 | - | 84,887 | 79,007 | 73,121 | 57,812 | 58,394 | 43,902 |
| Fixed Assets | 544.00 | 570.00 | 525.00 | - | 529.00 | 467.00 | 442.00 | 408.00 | 363.00 | 303.00 |
| Gross Block | - | 1,831 | 1,593 | - | 1,459 | 1,254 | 1,091 | 922.15 | 747.09 | 587.57 |
| Investments | 28,814 | 32,165 | 29,576 | - | 28,875 | 22,274 | 23,230 | 18,150 | 16,840 | 15,448 |
| Loans N Advances | 100,529 | 177.00 | 77.00 | - | - | 30.00 | 27.00 | 7.00 | 21.00 | 6.00 |
| Long Term Borrowings | - | - | - | - | - | - | - | 17,007 | 11,832 | 9,261 |
| Net Debt | -39,653 | -42,917 | 76,287 | - | 63,410 | 55,012 | 54,614 | 50,494 | 48,663 | 35,323 |
| Non Controlling Interest | - | - | - | - | - | - | - | - | - | 19.00 |
| Other Asset Items | 13,263 | 103,054 | 96,454 | - | 80,505 | 70,538 | 70,490 | 64,176 | 58,408 | 43,689 |
| Other Borrowings | - | - | 117,656 | - | 98,206 | 90,104 | 84,281 | 57,812 | 58,358 | 43,883 |
| Other Liability Items | 6,236 | 5,661 | 5,236 | - | 3,427 | 3,228 | 3,369 | 3,419 | 2,386 | 1,765 |
| Reserves | 15,247 | 14,999 | 14,191 | - | 12,977 | 12,019 | 12,065 | 10,074 | 7,121 | 6,264 |
| Share Capital | 613.00 | 608.00 | 605.00 | 601.00 | 600.00 | 600.00 | 598.00 | 509.00 | 427.00 | 420.00 |
| Total Assets | 153,988 | 146,725 | 138,432 | - | 115,876 | 106,209 | 100,651 | 88,978 | 80,359 | 61,851 |
| Total Borrowings | - | - | 117,656 | - | 98,206 | 90,104 | 84,281 | 74,819 | 70,190 | 53,145 |
| Total Equity | 15,860 | 15,607 | 14,796 | 601.00 | 13,577 | 12,619 | 12,663 | 10,583 | 7,548 | 6,703 |
| Total Equity And Liabilities | 153,988 | 146,725 | 138,432 | - | 115,876 | 106,209 | 100,651 | 88,978 | 80,359 | 61,851 |
| Total Liabilities | 138,128 | 131,118 | 123,636 | -601.00 | 102,299 | 93,590 | 87,988 | 78,395 | 72,811 | 55,148 |
| Trade Payables | - | 780.00 | 722.00 | - | 655.00 | 263.00 | 272.00 | 157.00 | 199.00 | 238.00 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | -503.00 | 842.00 | 2,239 | -114.00 | -4,207 | 7,698 | 2,567 | 2,995 |
| Cash From Investing Activity | -263.00 | -172.00 | -223.00 | -246.00 | -157.00 | -206.00 | -190.00 | -162.00 |
| Cash From Operating Activity | -842.00 | 4,935 | -11,044 | 6,449 | 7,597 | -5,084 | -31.00 | -2,528 |
| Cash Paid For Loan Advances | -12,113 | -15,504 | -11,657 | -4,252 | -2,952 | -5,573 | -14,507 | -11,076 |
| Cash Paid For Purchase Of Fixed Assets | -270.00 | -182.00 | -230.00 | -251.00 | -161.00 | -209.00 | -184.00 | -167.00 |
| Cash Paid For Repayment Of Borrowings | -450.00 | - | - | -133.00 | -5,781 | - | - | - |
| Cash Paid Towards Cwip | - | - | - | - | - | - | -9.00 | 3.00 |
| Cash Receipts From Deposits | 110,933 | 103,470 | 84,875 | 79,006 | 73,055 | 57,812 | 58,358 | 43,883 |
| Cash Received From Borrowings | - | 853.00 | 2,238 | - | - | 5,175 | 2,571 | - |
| Cash Received From Issue Of Shares | 38.00 | 79.00 | 1.00 | 19.00 | 1,574 | 2,754 | 103.00 | 1,795 |
| Cash Received From Sale Of Fixed Assets | 7.00 | 10.00 | 7.00 | 5.00 | 4.00 | 4.00 | 2.00 | 2.00 |
| Change In Other Working Capital Items | -510.00 | -1,360 | -7,843 | -265.00 | -6,347 | -1,664 | -1,521 | -2,023 |
| Change In Working Capital | -4,924 | 1,451 | -13,621 | 3,335 | 4,677 | -7,666 | -1,509 | -3,571 |
| Direct Taxes Paid | -188.00 | -170.00 | -238.00 | -154.00 | -328.00 | -314.00 | -584.00 | -375.00 |
| Dividends Paid | -91.00 | -90.00 | - | - | - | -231.00 | -107.00 | - |
| Net Cash Flow | -1,608 | 5,605 | -9,028 | 6,090 | 3,233 | 2,408 | 2,345 | 305.00 |
| Operating Deposits | 7,699 | 18,315 | 5,880 | 7,851 | 13,975 | -429.00 | 14,520 | 9,528 |
| Other Cash Financing Items Paid | - | - | - | - | - | - | - | 1,200 |
| Profit From Operations | 4,270 | 3,654 | 2,815 | 3,268 | 3,249 | 2,897 | 2,062 | 1,418 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Rblbank | 2025-09-30 | - | 15.49 | 35.28 | 48.85 | 0.00 |
| Rblbank | 2025-06-30 | - | 17.56 | 34.37 | 47.67 | 0.00 |
| Rblbank | 2025-03-31 | - | 14.43 | 20.79 | 64.36 | 0.00 |
| Rblbank | 2024-12-31 | - | 13.39 | 17.66 | 68.54 | 0.00 |
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