RBL Bank
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RBL Bank share price

RBL Bank Ltd.

NSE: RBLBANK BSE: 540065 SECTOR: Bank - Private  261k   1k   238

220.25
-2.85 (-1.28%)
BSE: 13 Jun 04:01 PM

Price Summary

Today's High

₹ 222.4

Today's Low

₹ 215.05

52 Week High

₹ 270.4

52 Week Low

₹ 146

FinStar

Ownership Very Stable
High level of belief in company’s potential exhibited by insiders.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 13413.44 Cr.

CASA %

35.22

No. of Shares

60.9 Cr.

P/E

19.29

P/B

0.86

Face Value

₹ 10

Div. Yield

0.45 %

Book Value (TTM)

₹  256.28

Net Interest Income

₹ 6042.89 Cr.

Cost To Income %

66.64

Promoter Holding

0 %

EPS (TTM)

₹  11.42

CAR %

16.18

ROE

8.29 %

ROCE

8.09%

Profit Growth

32.31 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

ROE%

1 Year8.29%
3 Year4.82%
5 Year4.88%

ROA%

1 Year0.92%
3 Year0.55%
5 Year0.55%

Net NPA%

1 Year0.74%
3 Year1.06%
5 Year1.47%

 NIM

1 Year4.72%
3 Year4.47%
5 Year4.33%

CAR %

16.18

Cost of Liabilities %

5.3973

PEG Ratio

0.62

Advances Growth %

19.6235

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2025 0.00 0.00
Dec 2024 0.00 0.00
Sep 2024 0.00 0.00
Jun 2024 0.00 0.00
Mar 2024 0.00 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company has been consistently maintaining a NIM of 4.46657835117574% since last 3 years.
  • CASA stands at 35.218% of total deposits.
  • Other Income is 24.5507399069705% of total income.
  • Good Capital Adequacy Ratio of 16.18%.
  • The company has delivered good Profit growth of 32.0012763783425% over the past 3 years.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.547047609483657%
  • CASA Growth of -2.1454% YoY, which is very low.
  • Company has a low ROE of 4.81988829745931% over the last 3 years.
  • High Cost to income ratio of 66.6429%.
  • Increase in Provision and contingencies of 74.0274866676452% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
Interest Earned 3339.09 3496.24 3530.93 3536.33 3475.57
Other Income 875.47 805.46 927.36 1073.33 1000.03
Interest Expended 1739.24 1796.27 1915.96 1951.27 1912.55
Operating Expenses 1588.29 1646.35 1632.44 1661.76 1701.86
Total Provisions 413.79 366.29 618.33 1188.9 785.14
Profit Before Tax 473.24 492.79 291.56 -192.27 76.05
Tax 120.6 121.27 69.04 -224.9 7.35
Net Profit 352.64 371.52 222.52 32.63 68.7
Net NPA % 0.74 0.74 0.79 0.53 0.29
Gross NPA % 2.65 2.69 2.88 2.92 2.6
Return on Assets % 1.08 1.14 0.64 0.09 0.2
NPM % 10.56 10.63 6.3 0.92 1.98

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Interest Earned 8514.38 8329.02 8175.79 9676.57 12394.3
Other Income 1910.25 1884.04 2340.53 2489.43 3042.89
Interest Expended 4884.74 4541.45 4149.05 4678.39 6351.41
Operating Expenses 2825.56 2754.59 3621.96 5285.17 6055.03
Total Provisions 1961.54 2227.94 2860.4 1021.95 1778.47
Profit Before Tax 752.78 689.08 -115.09 1180.5 1252.28
Taxes 247.11 181.3 -40.35 297.78 84.36
Net Profit 505.67 507.78 -74.74 882.72 1167.92
Adjusted EPS (Rs.) 9.94 8.49 -1.25 14.72 19.3

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 508.7 598.02 599.51 599.57 605.1
Total Reserves 10073.84 12063.93 12008.18 12902.03 14073.6
Deposits 57812.22 73121.27 79006.53 84886.52 103493.6
Borrowings 17006.73 11225.89 11093.04 13331.28 14184.09
Other Liabilities 3575.87 3640.87 3490.76 4081.8 5958.13
Total Liabilities 88977.77 100650.61 106208.58 115876.18 138432.21
Assets
Balance with RBI 6415.08 6704.7 13111.08 6238.06 12070.82
Balance with Banks 2442.1 6719.51 4436.62 2281.97 2345.73
Investments 18149.74 23230.42 22274.35 28875.45 29575.85
Advances 58019.05 58622.51 60021.81 70209.35 83986.91
Net Block 407.67 442.36 466.56 528.68 525.06
Other Assets 3482.04 4907 5816.62 7697.38 9920.5
Total Assets 88977.77 100650.61 106208.58 115876.18 138432.21
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

 No Promoters Data available for this company.
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PARTICULARS Mar 2024% Jun 2024% Sep 2024% Dec 2024% Mar 2025%
investors 100.00 100.00 100.00 100.00 100.00
asia capital financial op... 1.50 1.50 1.49 1.49 1.49
british international inv... 3.83 3.83 3.82 3.82 3.82
d s trust - - - 1.26 1.26
gaja capital fund ii limi... 1.33 1.33 1.32 1.32 1.32
icici prudential life ins... 1.29 1.25 1.44 1.06 1.06
life insurance corporatio... - - - 1.16 1.19
mahindra & mahindra limit... 3.49 3.49 3.48 3.48 3.48
nippon life india trustee... - - - - 3.11
quant mutual fund - - - - 6.65
unitbhai shantilal mehta - - - - 1.28
vanguard total internatio... 1.01 1.01 1.03 1.03 1.05
vishwavir ahuja 1.05 1.05 1.05 1.05 1.05
zerodha broking 1.25 1.25 1.24 1.24 1.24
cronus merchandise llp - - - 1.24 -
investor education and pr... 0.03 0.03 - 0.08 -
nippon life india trustee... 1.95 3.62 3.97 2.71 -
quant mutual fund - quant... 4.69 4.68 4.67 6.65 -
aditya birla sun life tru... - - 2.18 - -
hydra trading private lim... 1.25 1.25 1.25 - -
investor education and pr... - - 0.03 - -
tata arbitrage fund 1.10 1.27 1.73 - -
aditya birla sun life tru... 1.47 1.70 - - -
baroda bnp paribas balanc... 1.22 1.19 - - -
bofa securities europe sa... - 1.02 - - -
citigroup global markets ... - 1.41 - - -
maple ii b.v. 7.91 7.89 - - -
morgan stanley asia (sing... - 2.00 - - -
copthall mauritius invest... 1.16 - - - -
kotak equity arbitrage fu... 1.18 - - - -
mathew cyriac 2.01 - - - -

Annual Reports

Title Action
Annual Report 2024
Annual Report 2023
Annual Report 2022
Annual Report 2021
Annual Report 2020
Annual Report 2019
Annual Report 2018
Annual Report 2017

Ratings & Research Reports

TYPE AGENCY ACTION
Credit ICRA
Credit CARE
Credit CARE
Credit ICRA
Credit ICRA
Credit CARE
TYPE AGENCY ACTION
Research Geojit
Research HDFC Securities
Research BOB Capital Market
Research LKP Securities
Research Ventura
Research Edelweiss
Research Edelweiss
Research Chola Wealth Direct
Research Edelweiss
Research Chola Wealth Direct
Research Edelweiss
Research LKP Securities
Research Edelweiss
Research Chola Wealth Direct
Research LKP Securities
Research Chola Wealth Direct
Research LKP Securities
Research BOB Capital Market
Research Edelweiss
Research LKP Securities
Research LKP Securities
Research BOB Capital Market
Research BOB Capital Market
Research Chola Wealth Direct
Research Chola Wealth Direct
Research Motilal Oswal
Research Geojit BNP Paribas
Research Nirmal Bang Institutional
Research HDFC Securities

Concalls & Presentations

TYPE QUARTER ACTION
Concall Q4FY24
Concall Q3FY24
Concall Q3FY21
Concall Q2FY21
Concall Q1FY25
Concall Q1FY24
Concall Q1FY21
Concall Q1FY20
TYPE QUARTER ACTION
Presentation Q4FY25
Presentation Q4FY24
Presentation Q3FY25
Presentation Q3FY24
Presentation Q3FY21
Presentation Q2FY25
Presentation Q2FY25
Presentation Q2FY24
Presentation Q2FY22
Presentation Q2FY21
Presentation Q1FY25
Presentation Q1FY24
Presentation Q1FY23
Presentation Q1FY22
Presentation Q1FY21
Presentation Q1FY20

Company News

RBL Bank Stock Price Analysis and Quick Research Report. Is RBL Bank an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

RBL Bank stock price today is Rs 220.23. Let’s look at how RBL Bank is performing and if it is the right time to buy the stock of RBL Bank with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. RBL Bank has earned Rs 12394.3014 Cr. revenue in the latest financial year. RBL Bank has posted decent revenue growth of 14.1674220112259 % in last 3 Years.

  • In terms of advances, RBL Bank reported 19.6235 % YOY,  rise . If you see 3 years advance growth, it stands at 12.7324846060353 %.

  • Currently, RBL Bank has a CASA ratio of 35.218 %. It’s overall cost of liability stands at 5.3973 %. Also, the total deposits of RBL Bank from these accounts stood at Rs 103493.5964 Cr.

  • RBL Bank has a average ROA track record. The ROA of RBL Bank is at 0.9185 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 2.65 % and 0.74 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is positive at 74.0274866676452 % which means it has increased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of RBL Bank surged and is currently at Rs 3042.8927 Cr.

  • RBL Bank has a Good Capital Adequacy Ratio of 16.18 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently RBL Bank is trading at a P/B of 0.8594 . The historical average PB of RBL Bank was 0.773294560710412.

  • Share Price: - The current share price of RBL Bank is Rs 220.23. One can use valuation calculators of ticker to know if RBL Bank share price is undervalued or overvalued.

Last Updated on:
Brief about RBL Bank
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