RBL Bank Limited has shared provisional financial data for the quarter ended December 31, 2025, highlighting strong growth across deposits and advances ahead of its official Q3FY26 results.
According to the Bank’s filing with BSE and NSE, total deposits increased by 12% year-on-year (YoY) to ₹1,19,721 crore, up 3% quarter-on-quarter (QoQ). Deposits below ₹3 crore — a key focus for RBL’s granular deposit strategy — rose 15% YoY to ₹61,632 crore, accounting for 51.5% of total deposits.
The Current Account and Savings Account (CASA) balance stood at ₹36,972 crore, with a CASA ratio of 30.9%, slightly lower than the previous quarter’s 31.9%. The Liquidity Coverage Ratio (LCR) averaged 125% for the quarter.
Advances and Segment Performance
RBL Bank’s gross advances reached ₹1,04,502 crore, reflecting 13% YoY growth and 2% QoQ growth. Key highlights include:
- Secured Retail Advances: 24% YoY growth, 1% QoQ growth
- Retail Advances (overall): 9% YoY growth, flat sequentially
- Unsecured Retail Advances: 6% YoY decline
- Wholesale Advances: 19% YoY growth, 5% QoQ growth
- Commercial Banking advances within wholesale rose 29% YoY and 7% QoQ
The retail-to-wholesale mix remained at approximately 59:41, underscoring the bank’s continued focus on retail lending.
The Joint Liability Group (JLG) segment also maintained a collection efficiency of 99.5% for December 2025.
Outlook
RBL Bank noted that the above numbers are provisional and subject to approval by the Audit Committee, Board of Directors, and statutory auditors. The official Q3FY26 financial results are expected to provide a complete picture of the bank’s performance.
