RBL Bank Q3 FY26 Results: Net Profit Up 20% to ₹214 Crore, NPA Improves

Mumbai, January 17, 2026: Private sector lender RBL Bank Ltd. reported a robust set of numbers for the third quarter ended December 31, 2025 (Q3 FY26), marked by improved profitability and strengthening asset quality.

Key Financial Highlights (Standalone)

The bank’s net profit for the quarter rose 20% quarter-on-quarter (QoQ) to ₹213.88 crore, compared to ₹178.52 crore in the previous quarter (Q2 FY26). On a year-on-year (YoY) basis, the profit showed a significant recovery from a net profit of ₹32.63 crore in Q3 FY25.

Total income for the quarter stood at ₹4,717 crore, a 6.2% increase from ₹4,440.17 crore in Q2 FY26. Net Interest Income (NII), a key profitability metric, grew healthily, supported by a rise in interest earned.

Also Read: Yes Bank Q3 Net Profit Surges 45% QoQ to ₹952 Crore, Asset Quality Stable

Asset Quality Shows Strong Improvement

A major positive from the results was the continued improvement in asset quality. The Gross Non-Performing Asset (NPA) ratio fell to 1.88% as of December 31, 2025, down from 2.32% at the end of September 2025 and 2.92% a year ago.

In absolute terms, Gross NPAs reduced to ₹1,961.46 crore from ₹2,377.56 crore in the previous quarter. The Net NPA ratio also improved to 0.55% (₹566.99 crore) from 0.57% in September 2025.

Nine-Month Performance (April-December 2025)

For the nine-month period (9M FY26), the bank reported a net profit of ₹592.73 crore, slightly lower than ₹626.67 crore in the same period last year (9M FY25). Total income for the period was ₹13,667.74 crore.

Update on Emirates NBD Strategic Deal

In the notes to the accounts, the bank provided an update on its proposed strategic transaction with Emirates NBD Bank PJSC. The bank stated that all resolutions related to the preferential issue and the scheme of amalgamation received shareholder approval at the Extraordinary General Meeting held on November 12, 2025.

Currently, both the preferential issue, which will give Emirates NBD a 60% stake, and the subsequent amalgamation of its India branch with RBL Bank are "awaiting necessary statutory and regulatory approvals." The amalgamation is proposed to be effective from April 1, 2026.

Other Notable Points

Capital Adequacy: The Bank's Capital Adequacy Ratio (CAR) under Basel III stood strong at 14.47%.
Segment Performance: The Retail Banking segment reported a loss before tax of ₹95.49 crore for the quarter, while the Corporate/Wholesale Banking segment was profitable.
Employee Costs: The bank recognized an incremental liability of ₹28.61 crore during the quarter related to the implementation of the new Labour Codes.

Management and Auditor Review

The results were approved by the Board of Directors headed by Managing Director & CEO Subramaniakumar. The unaudited financial results have been subjected to a "Limited Review" by the bank's joint statutory auditors, KKC & Associates LLP and Singhi and Co., who issued an unmodified conclusion.

The bank’s scrip closed at [Please insert latest price here] on the National Stock Exchange on Friday, ahead of the results announcement. The detailed results have been filed with the stock exchanges and are available on the bank's website.