Established in: 1943
Managing Director: R Subramaniakumar
RBL Bank Limited is a foreign bank owned by Emirates National Bank of Dubai in India. The bank was founded in 1943 and is headquartered in Mumbai, Maharashtra. The bank offers a wide variety of services, including corporate banking, commercial banking, branch banking, retail assets, and treasury and financial market operations.
RBL Bank Limited went public in 2016 through an IPO of ₹225 per share, successfully raising around ₹1,213 crore. The issue consisted of both fresh equity and an Offer For Sale (OFS). The bank is now listed on both the BSE and the NSE.
History of RBL Bank Limited
In August 1943, Ratnakar Bank, a regional bank, was established with two branches in Maharashtra. The bank was founded by Babgonda Bhujgonda Patil from Sangli and Gangappa Siddappa Chougule from Kolhapur. The bank offers services to small and medium-sized enterprises (SMEs) and other businesses.
In 1959, Ratnakar Bank Limited was categorised as a Schedule Commercial Bank as per the Reserve Bank of India Act, 1934. Around 1970, the bank received a banking license from the RBI.
In 2013, Ratnakar Bank acquired Royal Bank of Scotland’s business banking, mortgage and credit card business segments in India. In 2014, Ratnakar Bank Limited was renamed to RBL Bank Limited.
In 2016, RBL Bank Limited went public and listed on the Indian stock exchanges. In October 2025, the UAE-based bank Emirates NBD acquired 60% stake in RBL Bank Limited for ₹26,850 crore through a referential issue of shares.
Business Segments of RBL Bank Limited
The following are the business segments of RBL Bank Limited
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Corporate Banking
The bank offers services such as working capital loans, term loans, trade finance, cash management, foreign exchange services and supply chain financing to large corporations, MNCs and financial institutions.
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Commercial Banking
RBL Bank Limited provides customised financial services, working capital and term loans, and other specialised banking products that enable the growth and expansion of mid-sized, emerging corporates and small and medium enterprises.
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Branch and Business Banking
The bank also caters to individuals, microfinance, and agribusiness clients. It offers savings, current, and fixed/recurring deposit accounts to individual customers. It provides Joint Liability Group (JLG) loans and other financial services to microfinance enterprises and the unbanked or underprivileged sections of society.
The bank also offers crop loans, tractor or harvester financing and agri-supply chain services to farmers.
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Retail Assets
The bank offers a diverse mix of secured and unsecured loans, such as credit cards, home loans, loans against property (LAP) and rural vehicle loans and gold loans to individual customers.
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Treasury and Financial Market Operations
The RBL Bank Limited provides debt trading, foreign exchange operations, derivative trading, and maintains investment in government securities and bonds. The bank also focuses on managing its liquidity, funding and statutory reserves.
Subsidiary of RBL Bank Limited
The following is the only subsidiary of RBL Bank Limited.
RBL FinServe Limited is a wholly-owned subsidiary of RBL Bank Limited. It is an exclusive business correspondent company for the bank. The subsidiary focuses on offering financial services and products such as microfinance and savings products to low-income households and micro-enterprises in semi-urban and rural areas in the country.
RBL Bank Financial Highlights
- Revenue: RBL Bank reported revenue of ₹18,463.93 crore in FY26 vs ₹17,819.49 crore in FY25. It showed an increase of 3.62% on a yearly basis.
- Operating Profit: RBL Bank reported an operating profit of ₹1,106.00 crore in FY26 vs ₹695.79 crore in FY25. It showed an increase of 58.96% on a year-on-year basis.
- Net Profit: RBL Bank reported a net profit of ₹879.05 crore in FY26 vs ₹717.06 crore in FY25. It showed an increase of 22.59% on a yearly basis.
RBL Bank Quarterly Result Highlights
- RBL Bank reported revenue of ₹4,791.36 crore in Mar 2026, compared with ₹4,718.41 crore in Dec 2025, representing an increase of 1.55% on a quarter-on-quarter (QoQ) basis.
- RBL Bank reported an operating profit of ₹294.13 crore in Mar 2026, compared with ₹289.23 crore in Dec 2025, representing an increase of 1.69% on a quarter-on-quarter (QoQ) basis.
- RBL Bank reported a profit of ₹244.42 crore in Mar 2026, compared with ₹227.95 crore in Dec 2025, reflecting an increase of 7.23% on a QoQ basis.
- The earnings per share (EPS) of RBL Bank stood at ₹11.81 during Mar 2026.
