RBL Bank Q4 FY26: Growth accelerates while credit cards stay the swing factor

Standalone net profit was INR 230 crore. Net interest income was INR 1,671 crore and NIM was 4.41%.

Net advances grew 23% YoY to INR 114,232 crore and deposits grew 25% YoY to INR 139,018 crore (as of March 31, 2026).

GNPA was 1.45% and NNPA was 0.39% (Q4 FY26). Provision coverage ratio was 73.6% and 94.9% including technical write-offs.

Management indicated most slippages are coming from credit cards, with microfinance slippages declining; wholesale and secured retail showed low or negative net slippages in Q4.

Management said it may deemphasize high-cost deposits while utilizing the equity funding (estimated 9 to 12 months), while continuing to focus on retail deposits for LCR and franchise building.

Management said RBI and CCI approvals have been received; Government of India and SEBI approvals are in process. The bank is convening an EGM to amend Articles and align board rights.