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RBL 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 offers savings, salary, current, special institutions, and seafarer accounts; safe deposit lockers; fixed, recurring, and smart deposits; and portfolio investment schemes. It also provides housing, personal, business, pre-owned car, two-wheeler, education, business, crop, agri investment, agri allied, and micro-enterprise loans, as well as overdrafts, rural vehicle finance, loans against gold ornaments, loans against property, working capital finance, and unsecured and secured small business loans; life, general, and health insurance products; investments services, such as e-ASBA and national pension system; and Demat accounts. In addition, the company offers online tax and bill payment, missed call recharge and facility, payment gateway, and merchant acquiring services; online, mobile, and digital banking; debit, credit, commercial, and prepaid cards; outward remittances; wire transfer and foreign currency cheques; and developmental banking and financial inclusion services, including loan syndications. Further, it provides corporate finance; investment banking services, comprising mergers and acquisitions advisory and 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 offers agribusiness, NRI, and preferred banking services. It operates a network of bank branches, business correspondent branches, and 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.
Balance Sheet: Strong Balance Sheet.
Smart Money: Smart money has been increasing their position in the stock.
Size: Market Cap wise it is among the top 20% companies of india.
Buy Backs: Company has bought back it's stock in the past which is a good thing.
Growth: Awesome revenue growth! Revenue grew 21.1% over last year and 61.6% in last three years on TTM basis.
No major cons observed.
Comprehensive comparison against sector averages
RBLBANK metrics compared to Banks
| Category | RBLBANK | Banks |
|---|---|---|
| PE | 11.49 | 17.52 |
| PS | 0.65 | 2.77 |
| Growth | 21.1 % | 14.8 % |
RBLBANK vs Banks (2021 - 2025)
Understand RBL Bank ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
| Shareholder Name | Holding % |
|---|---|
| Quant Mutual Fund | 6.65% |
| British International Investment Plc | 3.82% |
| Mahindra & Mahindra Limited | 3.48% |
| Nippon Life India Trustee Ltd | 3.11% |
| Others | 1.96% |
| Asia Capital Financial Opportunities Pte Ltd | 1.49% |
| Trusts | 1.47% |
| Gaja Capital Fund Ii Limited | 1.32% |
| Unitbhai Shantilal Mehta | 1.28% |
| D S Trust | 1.26% |
| Zerodha Broking | 1.24% |
| Icici Prudential Life Insurance Company Limited | 1.06% |
| Vishwavir Ahuja | 1.05% |
| Vanguard Total International Stock Index Fund | 1.05% |
Distribution across major stakeholders
Distribution across major institutional holders
Analysis of RBL Bank's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.
Last Updated: Mar 31, 2025
| Description | Share | Value |
|---|---|---|
| Retail Banking | 48.8% | 4.1 kCr |
| Treasury | 28.9% | 2.4 kCr |
| Corporate / Wholesale Banking | 21.1% | 1.8 kCr |
| Other Banking Operations | 1.2% | 98.5 Cr |
| Total | 8.3 kCr |
Valuation | |
|---|---|
| Market Cap | 11.43 kCr |
| Price/Earnings (Trailing) | 11.49 |
| Price/Sales (Trailing) | 0.65 |
| EV/EBITDA | 1.35 |
| Price/Free Cashflow | 1.86 |
| MarketCap/EBT | 10.5 |
Fundamentals | |
|---|---|
| Revenue (TTM) | 17.56 kCr |
| Rev. Growth (Yr) | 16.17% |
| Rev. Growth (Qtr) | 3.4% |
| Earnings (TTM) | 994.5 Cr |
| Earnings Growth (Yr) | -80.68% |
| Earnings Growth (Qtr) | -79.58% |
Profitability | |
|---|---|
| Operating Margin | 20.94% |
| EBT Margin | 6.2% |
| Return on Equity | 0.69% |
| Return on Assets | 0.00% |
| Free Cashflow Yield | 53.73% |
Investor Care | |
|---|---|
| Dividend Yield | 1.78% |
| Dividend/Share (TTM) | 3 |
| Shares Dilution (1Y) | 0.85% |
| Diluted EPS (TTM) | 16.17 |
Financial Health | |
|---|---|
| Debt/Equity | 0.00 |
| Debt/Cashflow | 0.00 |
Detailed comparison of RBL Bank against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.
Ticker | Name | Mkt Cap | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|---|
| HDFCBANK | HDFC BankPrivate Sector Bank | 14.62 LCr | 4.75 LCr | +5.79% | +26.51% | 20.59 | 3.08 | +39.40% | +18.16% |
| ICICIBANK | ICICI BankPrivate Sector Bank | 9.92 LCr | 2.82 LCr | +5.16% | +26.13% | 19.05 | 3.52 | +26.59% | +21.03% |
| KOTAKBANK | Kotak Mahindra BankPrivate Sector Bank | 4.38 LCr | 1.04 LCr | +2.77% | +34.21% | 19.67 | 4.22 | +19.19% | +29.05% |
| AXISBANK | AXIS BankPrivate Sector Bank | 3.61 LCr | 1.54 LCr | +6.39% | +3.49% | 12.78 | 2.35 | +18.05% | +110.10% |
| INDUSINDBK | IndusInd BankPrivate Sector Bank | 63.89 kCr | 59.72 kCr | +25.14% | -45.19% | 8.81 | 1.07 | +13.51% | -16.35% |