RBL Bank Q2 FY27 Net Profit Surges 170% YoY to ₹482 Crore; NII Grows 37%
RBL Bank reported Q2 FY27 Net Profit of ₹482 crore, up 170% YoY. NII grew 37% YoY to ₹2,131 crore. Net Advances rose 42% YoY to ₹142,314 crore, and Total Deposits increased 34% YoY to ₹156,272 crore. Gross NPA decreased to 1.02%.
The significant increase in profitability and growth across key financial metrics is a material development for the bank and its investors.
The bank reported strong year-on-year growth in net profit, net interest income, advances, and deposits, along with an improvement in asset quality and operating profit. The CEO's commentary also reflects a positive outlook.
RBL Bank Limited announced its unaudited financial results for the quarter and half-year ended September 30, 2026. The Board of Directors approved these results on October 12, 2026.
The bank reported a Net Profit of ₹482 crore for Q2 FY27, marking a significant 170% year-on-year growth. Net Interest Income (NII) grew by 37% YoY to ₹2,131 crore, with Net Interest Margin (NIM) at 4.61%. Other Income increased by 16% YoY to ₹1,077 crore, and Core Fee Income grew 12% YoY to ₹1,040 crore.
Operating Expenses saw a 3% YoY increase to ₹1,812 crore, leading to an improved Cost to Income ratio of 56.5% in Q2 FY27 from 64.7% in Q1 FY26. Operating profit grew substantially by 92% YoY to ₹1,396 crore.
Net Advances grew by 42% YoY to ₹142,314 crore, with a Retail: Wholesale mix of 56:44. Secured Retail advances grew by 52% YoY, while Unsecured Retail advances grew by 6% YoY. Total Deposits grew by 34% YoY to ₹156,272 crore, with a CASA Ratio of 27.2%.
Asset quality showed improvement, with Gross NPA down to 1.02% and Net NPA down to 0.29% as of September 30, 2026. The bank maintained a strong capital position with Total capital adequacy at 30.1% and CET 1 at 29.0%.
Mr. R Subramaniakumar, MD & CEO, RBL Bank, commented, “The quarter demonstrated the strength and resilience of our franchise, with excellent growth across assets and liabilities and strong financial performance. We successfully enhanced our funding profile through significant FCNR deposit mobilisation, creating additional flexibility to support future growth.”
The bank also announced that the audio recording and transcript of the earnings call, held on October 12, 2026, would be available on the bank's website.
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