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RBL Bank Limited (RBLBANK.NS)

INR372.80 -5.15 (-1.36%)
IN NSE Financial Services Banks - Regional
Address One World Center, Tower 2B 400013
Mumbai, IN
CEO R. Subramaniakumar
IPO 2016-08-31
ISIN INE976G01028

Explore sections of this company profile

Also trades on Bombay Stock Exchange · RBLBANK.BO (INR) National Stock Exchange of India · RBLBANK.NS (INR)
Description

RBL Bank Limited operates as a recognized commercial banking institution in India, structuring its services across Corporate/Wholesale Banking, Retail Banking, Treasury, and other financial operations. Its diverse range of deposit products features savings, current, and institutional accounts, as well as fixed deposit schemes. The bank provides an extensive suite of lending options, including loans for businesses, housing, personal needs, vehicles, and education, alongside financing secured by property, gold, and overdraft facilities. It also extends working capital and both secured and unsecured small business loans. Beyond credit, RBL Bank offers a selection of life, general, and health insurance products, in addition to investment services such as wealth management, e-ASBA, the National Pension System, and demat accounts. Digital convenience is provided through online tax and bill payment, internet and mobile banking, merchant payment services, and various debit, credit, and prepaid cards. For its corporate clientele, the bank offers specialized advisory services for mergers and acquisitions and private equity capital, alongside project and infrastructure finance, structured finance, and real estate financing. It also handles cash management, trade and remittance services, supply chain finance, and deals in financial market and treasury products like capital markets, foreign exchange, and bullion. Further specialized services include agribusiness solutions, NRI banking, signature banking, and secure safe deposit lockers. As of July 31, 2021, RBL Bank maintained a widespread presence with approximately 435 traditional bank branches, 1,424 business correspondent branches, and 380 ATMs. Founded in 1943, the bank was originally known as The Ratnakar Bank Limited before officially changing its name to RBL Bank Limited in August 2014, with its main office situated in Mumbai, India.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
INR372.80 -5.15 (-1.36%)
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Volume Profile
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Liquidity & share structure
Average Volume
6M
Beta
0.64
Float Shares
564.24M
Free Float %
91.1%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+1.88% +4.99% +12.31% +24.12% +18.94% +15.85% +66.12% +104.79% +68.91% +22.19% +22.19%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
372.80
DCF (Unlevered) 330.35 -11.4%
DCF (Levered) 90.13 -75.8%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 56% Bullish
Rating 2026-06 Change
Strong Buy 3 0
Buy 7 0
Hold 4 0
Sell 1 0
Strong Sell 3 0
Quality scores
Altman Z-Score
0.36
Distress
Piotroski F-Score
2 / 9
Weak
Composite Rating
B-
Overall Score
3 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
2 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +2.7% Q1'26: +3.2% (vs Q1'25)
  • EPS growth
    +19.8% Q1'26: +172.7% (vs Q1'25)
  • FCF margin
    Q1'26: -108.4% (vs Q1'25)
  • EBIT margin
    Q1'26: +6.1% (vs Q1'25)
  • ROIC
    Q1'26: +9.4% (vs Q1'25)
  • Share dilution
    +2.3% Q1'26: +3.0% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 14.28× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.64) × ERP
WACC = 58% × Ke + 42% × Kd (47.5%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 330.22 Current price: 372.80
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Mar 2017
actual
Mar 2018
actual
Mar 2019
actual
Mar 2020
actual
Mar 2021
actual
Mar 2022
actual
Mar 2023
actual
Mar 2024
actual
Mar 2025
actual
Mar 2026
11 Rev. Ana.
16 EPS Ana.
Mar 2027
8 Rev. Ana.
10 EPS Ana.
Mar 2028
8 Rev. Ana.
10 EPS Ana.
Mar 2029
5 Rev. Ana.
4 EPS Ana.
Mar 2030
2 Rev. Ana.
2 EPS Ana.
Revenue
44.33B
est: 19.45B (+128.0%)
55.88B
est: 28.21B (+98.0%)
76.90B
est: 39.25B (+95.9%)
107.10B
est: 54.35B (+97.1%)
105.50B
est: 57.81B (+82.5%)
107.96B
est: 64.68B (+66.9%)
121.16B
est: 69.38B (+74.6%)
153.22B
est: 75.85B (+102.0%)
179.83B
est: 103.16B (+74.3%)
105.86B
104.57B – 109.51B
+2.6% YoY
132.45B
126.19B – 144.16B
+25.1% YoY
161.69B
145.91B – 171.92B
+22.1% YoY
189.01B
185.18B – 192.83B
+16.9% YoY
260.82B
241.24B – 280.26B
+38.0% YoY
EBITDA
5.08B
est: 1.31B (+286.3%)
7.28B
est: 1.91B (+281.9%)
9.87B
est: 2.65B (+272.3%)
6.46B
est: 3.67B (+76.0%)
6.99B
est: 3.91B (+79.0%)
-263.38M
est: 4.37B (-106.0%)
14.34B
est: 4.69B (+206.0%)
15.83B
est: 8.46B (+87.2%)
9.32B
est: 11.50B (-19.0%)
11.80B
11.66B – 12.21B
+2.6% YoY
14.77B
14.07B – 16.08B
+25.1% YoY
18.03B
16.27B – 19.17B
+22.1% YoY
21.08B
20.65B – 21.50B
+16.9% YoY
29.09B
26.90B – 31.25B
+38.0% YoY
EBIT
4.46B
est: 1.01B (+343.0%)
6.39B
est: 10.03B (-36.3%)
8.61B
est: 21.20B (-59.4%)
5.00B
est: 18.12B (-72.4%)
5.29B
est: 7.89B (-32.9%)
-2.07B
est: 9.01B (-122.9%)
12.21B
est: 10.63B (+14.9%)
13.49B
est: 7.84B (+72.0%)
6.96B
est: 10.64B (-34.6%)
10.94B
10.81B – 11.32B
+2.8% YoY
13.69B
13.04B – 14.90B
+25.1% YoY
16.71B
15.08B – 17.77B
+22.1% YoY
19.54B
19.14B – 19.93B
+16.9% YoY
26.96B
24.93B – 28.97B
+38.0% YoY
Net Income
4.47B
est: 7.49B (-40.3%)
6.32B
est: 9.52B (-33.6%)
8.58B
est: 13.75B (-37.6%)
5.00B
est: 11.98B (-58.2%)
5.29B
est: 5.28B (+0.3%)
-1.66B
est: 6.03B (-127.6%)
9.20B
est: 7.11B (+29.3%)
12.60B
est: 12.91B (-2.4%)
7.17B
est: 5.80B (+23.6%)
8.79B
7.88B – 11.35B
+51.5% YoY
11.64B
7.80B – 15.48B
+32.4% YoY
16.55B
11.46B – 21.63B
+42.2% YoY
25.64B
18.12B – 33.15B
+54.9% YoY
26.76B
24.15B – 29.36B
+4.4% YoY
SGA
248.42M
est: 119.61M (+107.7%)
9.04B
est: 19.07B (-52.6%)
12.14B
est: 241.42M (+4,930.4%)
423.96M
est: 37.48B (-98.9%)
450.93M
est: 53.44B (-99.2%)
22.05B
est: 61.06B (-63.9%)
27.28B
est: 426.79M (+6,291.2%)
29.40B
est: 14.27B (+106.0%)
33.78B
est: 19.37B (+74.4%)
19.92B
19.68B – 20.61B
+2.8% YoY
24.92B
23.74B – 27.13B
+25.1% YoY
30.42B
27.45B – 32.35B
+22.1% YoY
35.56B
34.84B – 36.28B
+16.9% YoY
49.08B
45.39B – 52.73B
+38.0% YoY
EPS
12.61
est: 12.28 (+2.7%)
15.70
est: 15.41 (+1.9%)
20.25
est: 20.36 (-0.5%)
11.04
est: 12.90 (-14.4%)
9.75
est: 9.34 (+4.4%)
-2.77
est: -0.22 (-1,167.0%)
15.34
est: 15.11 (+1.5%)
20.94
est: 21.41 (-2.2%)
11.81
est: 10.22 (+15.5%)
14.33
12.63 – 18.20
+40.2% YoY
17.99
12.50 – 24.81
+25.5% YoY
25.36
18.37 – 34.67
+40.9% YoY
41.56
29.05 – 53.13
+63.9% YoY
42.90
38.71 – 47.06
+3.2% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-06-12 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-06-11 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-06-10 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-06-09 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-06-08 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-06-05 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-06-04 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-06-03 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-06-02 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-06-01 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-05-29 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-05-27 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-05-26 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-05-25 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-05-22 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-05-21 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-05-20 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-05-19 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-05-18 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-05-15 B- 2/5 3/5 2/5 3/5 2/5 1/5 3/5
2026-05-14 B- 2/5 3/5 2/5 3/5 2/5 1/5 3/5
2026-05-13 B- 2/5 3/5 2/5 3/5 2/5 1/5 3/5
2026-05-12 B- 2/5 3/5 2/5 3/5 2/5 1/5 3/5
2026-05-11 B- 2/5 3/5 2/5 3/5 2/5 1/5 3/5
2026-05-08 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-05-07 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-05-06 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-05-05 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-05-04 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-04-30 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-04-29 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-04-28 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-04-27 B- 2/5 3/5 2/5 3/5 1/5 2/5 3/5
2026-04-24 C- 1/5 3/5 1/5 1/5 1/5 1/5 1/5
2026-04-23 C- 1/5 3/5 1/5 1/5 1/5 1/5 1/5
2026-04-22 C- 1/5 3/5 1/5 1/5 1/5 1/5 1/5
2026-04-21 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-04-20 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-04-17 C 2/5 4/5 1/5 1/5 1/5 2/5 1/5
2026-04-16 C 2/5 4/5 1/5 1/5 1/5 2/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
999.47M
OE per share TTM
1.64
Owner's Yield
0.44%
Maintenance CapEx ratio
4.57%
Maint CapEx / Avg PPE
4.1%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 18 ETFs in our universe

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
490.2K
Shares Outstanding
619.14M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
R. Subramaniakumar MD, Chief Executive Officer & Director 49M male
Deepak Ruiya Interim Chief Financial Officer 6M male
Deepak S. Varne Chief Manager of Development and Marketing male
Gangaram Siddappa Chougule Founder
Pari Chief Operating Officer male
Prakash Gupta Chief Compliance Officer male
Ravi Pichan Chief Information Officer & Head of Digital Banking male
Abhijit Somvanshi Head of Marketing, Communications & Customer Service male
Satish Dhawan Chief Infrastructure & Administration Officer male
Babgonda Bhujgonda Patil Founder
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits