RBL Bank Q2 profit surge meets stronger loan growth
pre-market2 sources ↓machine-written, see hownot a recommendation
- RBLBANK close
- ₹417.70
- On the day
- -0.07%
- Futures OI, long unwinding
- -5.7%
- Put-call ratio
- 0.75
- Max pain
- ₹415.00
RBL Bank reported a sharp improvement in Q2 FY27 performance, with net profit nearly tripling to ₹482 crore, according to the reported results. Advances grew 42% year on year to ₹1,42,314 crore, while total deposits increased 34% to ₹1,56,272 crore. Net interest income rose 37% year on year and 29% sequentially to ₹2,131 crore, and net interest margin expanded 48 basis points sequentially to 4.61%. 📈
The growth was led by wholesale lending, where advances increased 56% year on year. Corporate advances rose 60%, while commercial banking advances grew 47%. Retail advances expanded 32%, supported by 52% growth in secured retail lending, although unsecured retail was flat. The bank’s retail-to-wholesale advance mix stood at 56:44.
Net profit ₹482 cr and NII ₹2,131 cr are the key earnings figures for the banking sector. Net total income grew 29% year on year to ₹3,208 crore, while operating expenses rose only 3% to ₹1,812 crore, taking operating profit above ₹1,000 crore to ₹1,396 crore. Fee income increased 12% to ₹1,040 crore, supporting non-interest income of ₹1,077 crore. 💼
Funding indicators were mixed. CASA deposits rose 14% to ₹42,526 crore, with the average CASA ratio at 24%; excluding FCNR deposits, the ratio would have been 28.1%. Average liquidity coverage ratio remained comfortable at 148%. However, excluding FCNR deposits, deposit growth was 6% year on year, making the quality and persistence of deposit mobilisation an important monitor for future lending growth.
OI Charts data showed the stock closing at ₹417.70 on 12 Oct 2026, down 0.1%, with volume of 3.45 million shares. It had gained 1.7% over 20 sessions and remained below its 52-week high of ₹429.60. In derivatives, futures open interest fell 5.7%, indicating long unwinding. The put-call ratio was 0.75, with the largest call open interest at ₹420 and the largest put open interest at ₹400; max pain was ₹415 for the 27 Oct 2026 expiry. Traders will watch whether earnings momentum can hold the ₹420 area and whether deposit growth catches up with advances. ⚖️
Source: Yahoo Finance, 12 Oct 2026
Not investment advice. For informational purposes only.