RBL Bank Q2 FY27 Results: Consolidated Net Profit ₹498 Crore on Total Income of ₹5,402 Crore
Earnings
Banking
Blacklitt Research3 min read
Daderot, via Wikimedia Commons (CC0 1.0). Illustrative image.
RBL Bank reported consolidated total income of ₹5,401.65 crore and net profit of ₹498.36 crore for the quarter ended 30 Sep 2026. Standalone total income was ₹5,399.45 crore and net profit was ₹481.77 crore.
Key highlights
Consolidated
Including its subsidiaries
Total income: ₹5,402 crore, up 21.6% YoY, up 13.4% QoQ
Net profit: ₹498 crore, up 158.9% YoY, up 112.8% QoQ
EPS: ₹3.22, against ₹3.15 in Q2 FY26
Net worth: ₹42,061 crore, against ₹14,977 crore a year earlier
Standalone
The company on its own, without its subsidiaries
Total income: ₹5,399 crore, up 21.6% YoY, up 12.5% QoQ
Net profit: ₹482 crore, up 169.9% YoY, up 89.9% QoQ
EPS: ₹3.11, against ₹2.92 in Q2 FY26
Capital adequacy ratio: 30.10%, against 14.71% a year earlier
Summary
Consolidated ₹ crore
Particulars
Q2 FY27
Q2 FY26
YoY
Q1 FY27
QoQ
5,401.65
4,441.59
+21.6%
4,762.28
+13.4%
Revenue from operations
4,322.10
3,507.92
+23.2%
3,840.24
+12.5%
Other income
1,079.55
933.67
+15.6%
922.04
+17.1%
498.36
192.46
+158.9%
234.23
+112.8%
Tax expense
151.72
52.71
+187.8%
75.48
+101.0%
Net profit margin
9.23%
4.33%
+4.89 pp
4.92%
+4.31 pp
Tax as share of profit before tax
23.3%
21.5%
+1.84 pp
24.4%
-1.03 pp
EPS, basic (₹)
3.22
3.15
+2.2%
3.12
+3.2%
Figures are in ₹ crore; YoY compares with Q2 FY26 and QoQ with Q1 FY27. Click Total income or Net profit to see the rows behind them.
Profit rose 2.6 times and the share count rose faster than profit, so per-share earnings barely moved. Consolidated net profit rose 158.9% to ₹498.36 crore but earnings per share rose only 2.2% to ₹3.22. The bank's paid-up capital is ₹1,551.64 crore against ₹613.02 crore a year ago and net worth ₹42,061 crore against ₹14,977 crore (the standalone statement's figures), so the profit is spread over about 2.5 times as many shares. The bank describes itself as a subsidiary of Emirates NBD Bank.
Total income rose 21.6% to ₹5,401.65 crore, of which other income was ₹1,079.55 crore, about a fifth (derived). Consolidated profit is ₹16.6 crore above the standalone figure (derived), so subsidiaries add a little.
Standalone ₹ crore
Particulars
Q2 FY27
Q2 FY26
YoY
Q1 FY27
QoQ
5,399.45
4,440.17
+21.6%
4,799.68
+12.5%
Revenue from operations
4,322.09
3,507.47
+23.2%
3,840.25
+12.5%
Other income
1,077.36
932.70
+15.5%
959.43
+12.3%
481.77
178.52
+169.9%
253.70
+89.9%
Tax expense
147.83
50.17
+194.7%
69.81
+111.8%
Net profit margin
8.92%
4.02%
+4.90 pp
5.29%
+3.64 pp
Tax as share of profit before tax
23.5%
21.9%
+1.54 pp
21.6%
+1.90 pp
EPS, basic (₹)
3.11
2.92
+6.5%
3.38
-8.0%
Figures are in ₹ crore; YoY compares with Q2 FY26 and QoQ with Q1 FY27. Click Total income or Net profit to see the rows behind them.
Operating profit almost doubled, and that outweighed higher provisions. Interest earned rose 23.2% to ₹4,322.09 crore and interest expended 12.0% to ₹2,191.16 crore, so net interest income is about ₹2,131 crore against about ₹1,551 crore, up 37.4% (derived). Operating profit before provisions was ₹1,396.13 crore against ₹728.39 crore (+91.7%), provisions and contingencies rose to ₹766.53 crore from ₹499.70 crore, and profit before tax was ₹629.60 crore against ₹228.69 crore. Net profit rose 169.9% to ₹481.77 crore, and tax took 23.5% of profit before tax.
Asset quality improved: gross NPAs were 1.02% of gross advances (₹1,456 crore) against 2.32% a year earlier and 1.30% in June, and net NPAs 0.29% against 0.57%. Provisions are still 55% of operating profit (derived), against 69% a year ago.
The capital adequacy ratio was 30.10% against 14.71% a year earlier and 33.28% in June. Earnings per share were ₹3.11 against ₹2.92 and ₹3.38 in June, lower than June although profit was higher, because the share count rose during the quarter (about 155 crore weighted shares against about 75 crore in June, derived). For H1 FY27 net profit is ₹735.47 crore against ₹378.85 crore. The balance sheet shows deposits of ₹1,56,272 crore and net advances of ₹1,42,314 crore.
Inference
RBL Bank's profit rose by more than two and a half times on a near doubling of operating profit, while its capital and share count more than doubled, so profit per share rose only about 6%.
The filing does not explain how the capital was raised in the text read, so the bank's returns on the larger capital base are not shown by it.
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