RBL Bank Ltd
RBL Bank Q1 FY27 earnings call: Revenue & Margins
Q1 FY27 earnings call: what management said on revenue, margins and capex.
Guidance rank: #3 of 27 in Banks
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RBL Bank Ltd Q1 FY27 key numbers
- Revenue
- Deposits grew 11% YoY; granular deposits (<INR3 crores) grew 13% YoY and represent 52.4% of total deposits.
As stated in RBL Bank Ltd's Q1 FY27 earnings call transcript · published 15 Sept 2026. Reported figures, not investment advice.
The short version
Net advances grew 23% YoY, with retail advances up 13% YoY and wholesale advances up 38% YoY, indicating strong growth momentum (Page 4). ROA is expected to reach around 1% by Q2 or Q3 FY27, improving further by year-end as credit costs in cards normalize.
From RBL Bank Ltd's Q1 FY27 earnings-call transcript · updated 24 Sept 2026.
Revenue & Sales Performance
- Net advances grew 23% YoY, with retail advances up 13% YoY and wholesale advances up 38% YoY, indicating strong growth momentum (Page 4).
- Secured retail advances increased 18% YoY; business loans within secured retail grew 48% YoY (Page 4).
- Microfinance disbursements grew 50% YoY; microfinance book up 30% (Page 4).
- Deposits grew 11% YoY; granular deposits (<INR3 crores) grew 13% YoY and represent 52.4% of total deposits (Pages 3-4).
- Retail deposit growth target is 20-24% going forward (Page 12).
- Expect higher growth in GIFT City loans compared to overall 20% loan growth, benefiting from PSL exemption (Page 15).
- New card issuance and retail product sourcing remain strong with 3.4 lakh cards issued in Q1 and total cards at 4.65 million (Page 4).
2 more points from RBL Bank Ltd's call on revenue
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Profitability & Margins
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Capital Expenditure Plans
- Discussions focus on capital infusion from Emirates NBD (INR 26,016 crores), used mainly to retire high-cost liabilities and invest in short-term instruments.
- Emphasis on leveraging partnership with Emirates NBD to expand liability base, grow NRE/FCNR deposits, and enhance deposit mix.
- Plans to expand branches (~20 opened recently) and potentially open centers in Mumbai and Dubai to mobilize deposits.
- Investment in human resources is modest, mainly need-based hires to support business expansion and enhanced risk management.
2 more points from RBL Bank Ltd's call on capex
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Top-ranked in Banks
Ranked on what management guided this quarter
Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
Fundraising & Capital Structure
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Order Book & Pipeline
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What the Q1 FY27 call signalled
3 of 4 strong
Continue your research
What RBL Bank's management said in earlier quarters
- Q2 FY27 earnings call analysis →
- Q2 FY25 earnings call analysis →
- Q4 FY26 earnings call analysis →
- Q3 FY25 earnings call analysis →
- Q2 FY26 earnings call →
- Q4 FY25 earnings call →
- Q1 FY25 earnings call →
- Q4 FY24 earnings call →
- Q3 FY24 earnings call →
- Q2 FY24 earnings call →
- Q1 FY24 earnings call →
- Q4 FY23 earnings call →
Others in Banks this season
- IDBI Bank Ltd (Q1 FY27)
3,486 crore, up 10% YoY. Key concall takeaways from IDBI Bank Ltd's Q1 FY27 earnings call — and how it ranks against sector peers.
- Capital Small Finance Bank Ltd (Q1 FY27)
Non-Punjab geography advances grew over 30% YoY, indicating strong market expansion. Key concall takeaways from Capital Small Finance Bank Ltd's Q1 FY27…
- Suryoday Small Finance Bank Ltd (Q1 FY27)
Focus on individual loans, with individual loans contributing around 80% of monthly onboarding; planned reduction of JLG exposure over 1-1.5 years. Key concall…
- Pun. & Sind Bank (Q1 FY27)
15,000 crores as of June 30. Key concall takeaways from Punjab & Sind Bank's Q1 FY27 earnings call — and how it ranks against sector peers.
Potential multibaggers · Q2 FY27
Potential multibaggers in Banks
on management's own guidance
- AU Small FinanceGood growth2
- Canara BankGood growth1
- 3
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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.
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Frequently Asked Questions
What were RBL Bank Ltd Q1 FY27 results?
Net advances grew 23% YoY, with retail advances up 13% YoY and wholesale advances up 38% YoY, indicating strong growth momentum (Page 4). ROA is expected to reach around 1% by Q2 or Q3 FY27, improving further by year-end as credit costs in cards normalize.
What is RBL Bank Ltd share price analysis?
RBL Bank Ltd currently shows a moderate growth signal based on ranking data. The stock trades at a P/E of 73.7 with a market cap of ₹64,533 Cr. Investors should review the full earnings analysis for detailed insights.
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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.