RBL Financial institution stated its Web Curiosity Revenue (NII) fell 13% YoY to Rs 1,481 crore from Rs 1,700 crore a 12 months in the past, and declined 5% sequentially in comparison with Rs 1,563 crore within the March 2025 quarter. The financial institution’s web curiosity margin (NIM) for Q1 FY26 stood at 4.50%.
Working revenue declined 18% YoY to Rs 703 crore, with the financial institution attributing the contraction to a discount in unsecured lending and the affect of the latest repo fee minimize. In the meantime, working bills rose 12% YoY to Rs 1,847 crore, in comparison with Rs 1,646 crore in Q1 FY25.
Regardless of these pressures, web complete revenue registered a modest development of two% year-on-year to Rs 2,550 crore.
Deposit momentum led by retail development
The financial institution’s complete deposits grew 11% YoY to Rs 1,12,734 crore. CASA deposits additionally rose 11% to Rs 36,614 crore, sustaining a CASA ratio of 32.5%.
Granular deposits, outlined as deposits under Rs 3 crore, grew 16% YoY and 5% quarter-on-quarter to Rs 57,934 crore, now comprising 51.4% of the financial institution’s complete deposit base.
Capital and liquidity stay sturdy
RBL Financial institution stated it stays well-capitalised for medium-term development. Its complete capital adequacy ratio stood at 15.59% as of June 30, 2025, marginally greater than 15.56% a 12 months earlier. The Widespread Fairness Tier-1 (CET1) ratio improved 20 foundation factors year-on-year to 14.05%.The common Liquidity Protection Ratio (LCR) for Q1 FY26 was 152%, indicating ample high-quality liquid property.
Asset high quality secure regardless of uptick in gross NPAs
Gross non-performing property (GNPA) rose barely to 2.78% as of June 30, 2025, from 2.69% a 12 months earlier. Nevertheless, web NPA improved sharply to 0.45%, down from 0.74% in the identical interval final 12 months.
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The financial institution reported a provision protection ratio, together with technical write-offs, of 94.2%. Whole provisions, comprising particular, common, and contingent buffers, stood at 105% of gross NPAs, underscoring a conservative threat posture.
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