RBL Bank Q2 FY27: Net profit up 170% YoY to Rs.4.82 bn, net advances up 42%

Q2 FY27 NII up 37% to Rs.21.31 bn, net profit up 170% to Rs.4.82 bn, net advances up 42% to Rs.1,423.14 bn.

Mon 12 Oct 2026

Net Interest Income

up 37% YoY to Rs.21.31 bn

Net Profit

up 170% to Rs.4.82 bn

Net Advances

up 42% YoY to Rs.1,423.14 bn

Period

Q2 FY27

Positioning

RBL Bank presents itself as a bank with Rs.1,423.14 bn of net advances in a 56:44 retail-to-wholesale mix, funded by Rs.1,562.72 bn of deposits.

📉 Q2 FY27 net interest income rose 37% YoY to Rs.21.31 bn with NIM at 4.61%, operating profit rose 92% to Rs.13.96 bn and net profit rose 170% to Rs.4.82 bn. Cost-income ratio fell to 56.5% from 70.7%.

📌 Net advances grew 42% YoY to Rs.1,423.14 bn, led by wholesale (up 56%) and secured retail (up 52%), while unsecured retail grew only 6%. The secured retail figure includes loans against FCNR(B) deposits of Rs. 103bn. Deposits grew 34%, but only 6% excluding FCNR, and the average CASA ratio slipped to 24.04%.

📉 Asset quality improved: GNPA fell 131 bps YoY to 1.02% and NNPA was 0.29%. Credit cost was 63 bps, including an 11 bps standard asset provision. CRAR stood at 30.1% and CET-1 at 29.0%, after a sharp rise in capital and reserves.

🎯 On ESG, the company states a target to raise women representation from 24.63% to 30% by 2027. It also states a voluntary plan to reach carbon neutrality within its own operations and to phase out coal-based thermal power exposure by FY 2034.

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