RBL Bank Q2 FY26 Unaudited Standalone Results: Advances Cross ₹1 Lakh Crore; Net Profit at ₹179 Crore
RBL Bank's Q2 FY26 standalone results show advances crossing ₹1 lakh crore and improved asset quality. Net profit was ₹179 crore, affected by MTM. Management reports stable performance and growth momentum in key areas.
Quarterly financial results are important for investor assessment. The mixed performance, with strong operational growth and asset quality improvement contrasted by a lower net profit due to specific factors, is likely to elicit a moderate market reaction.
The announcement presents a mixed financial performance. While advances growth, improved asset quality, granular deposit growth, and operating expense reduction are positive, the net profit is down QoQ and YoY, and significantly impacted by MTM losses on unlisted equities. This balances out the positive operational metrics.
* RBL Bank Limited announced its unaudited standalone financial results for the quarter and half year ended September 30, 2025. * Net Advances grew 14% year-on-year (YoY) and 6% quarter-on-quarter (QoQ) to ₹1,00,529 crore, surpassing the ₹1 lakh crore mark. * Total Deposits increased 8% YoY and 3% QoQ to ₹116,667 crore, with granular deposits (less than ₹3 crore) growing faster at 14% YoY and 3% QoQ to ₹59,443 crore. * Net Profit for Q2 FY26 stood at ₹179 crore, impacted by a mark-to-market (MTM) hit of ₹44 crore (pre-tax) on unlisted equities. * Net Interest Income (NII) grew 5% QoQ to ₹1,551 crore, with Net Interest Margin (NIM) at 4.51%. * Core Fee Income grew 17% QoQ to ₹926 crore, while Operating Expenses de-grew 5% QoQ to ₹1,755 crore, improving the Cost to Income ratio to 70.7% from 72.4% in Q1 FY26. * Gross Non-Performing Assets (GNPA) ratio improved to 2.32% (down 55 bps YoY) and Net NPA ratio to 0.57% (down 22 bps YoY). * The Bank's total capital adequacy was 15.02% as of September 30, 2025, with CET 1 at 13.51%. * Mr. R Subramaniakumar, MD & CEO, stated that the bank delivered another quarter of stable financial performance, with continued momentum in secured retail and commercial banking assets and granular deposits. He noted improving asset quality trends in the JLG business and highlighted the robust core engine anchored in disciplined execution and profitability-driven growth. * An Investor Presentation for the quarter and half year ended September 30, 2025, has also been released. * An earnings call with analysts and investors is scheduled for October 19, 2025.
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RBL Bank Limited filed this with the NSE as a statutory disclosure, categorised under quarterly results. It is a primary document, not a recommendation, and the desk marks it medium impact: worth reading, rarely worth acting on by itself.
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See the model portfoliosA plain-language summary of a public exchange filing by RBL Bank Limited. Read the original for the full detail.