RBL Bank Q4 FY26 Results: Net Profit Jumps 234% YoY to ₹230 Crore; NII Rises 7%

RBL Bank reported a sharp rise in profit for the January–March quarter of FY26. Net profit grew 234% year-on-year to ₹230 crore compared with ₹69 crore in the same quarter last year. The strong growth was mainly due to lower provisions and the steady expansion of the bank’s loan book.

RBL Bank Q4 FY26 Results: Net Interest Income and Margins

Net interest income (NII) increased 7% YoY to ₹1,671 crore from ₹1,563 crore. Other income also rose 7% to ₹1,069 crore. However, net interest margin (NIM) declined to 4.41% from 4.89% a year ago and 4.63% in the previous quarter. The bank expects margins to stay stable in Q1 FY27 and improve later after the recent capital infusion.

Provisions Decline Significantly

Provisions dropped 14% YoY to ₹639 crore. The fall was mainly due to the absence of accelerated provisioning in the microfinance segment this year, which supported profitability.

Strong Growth in Deposits and Loans

Deposits grew 25% YoY to ₹1.39 trillion by March 2026. CASA deposits increased 23% to ₹46,723 crore, taking the CASA ratio to 33.6%. Advances rose 23% YoY to ₹1.14 trillion. Retail loans grew 20% to ₹67,119 crore, while wholesale loans increased 28% to ₹47,112 crore. The loan mix stood at 59% retail and 41% wholesale.

Strategy After Capital Infusion

After the capital infusion, the bank expects wholesale loans to make up 40–45% of the balance sheet. Retail secured loans are expected to contribute 35–40%, while retail unsecured loans may account for around 20% over time.

Asset Quality Improves

Asset quality strengthened during the quarter. Gross NPAs improved to 1.45% from 2.60% a year earlier. Net NPAs stood at 0.39%. The provision coverage ratio rose to 94.91%. The total capital adequacy ratio stood at 14.25%, with a CET-1 ratio of 12.77%.

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RBL Bank Share Price Movement

RBL Bank share price (NSE: RBLBANK) was trading at ₹313.25 on April 27, 2026, down ₹8.15 (2.54%) for the day. The stock opened at ₹318.00 and touched an intraday high of ₹318.00 and a low of ₹306.10. Over the past year, the stock has recorded a 52-week high of ₹340.40 and a 52-week low of ₹188.10, while offering a dividend yield of 0.32% with a quarterly dividend amount of ₹0.25 per share.

Conclusion

RBL Bank delivered a strong Q4 FY26 performance with sharp profit growth, lower provisions, and improving asset quality. With capital infusion supporting balance sheet expansion, the bank expects steady growth and better margins in the coming quarters.

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