RBL Bank Q1 FY27 Results: PAT Rises 27% YoY, Asset Quality Improves
RBL Bank reported a strong Q1 FY27 performance, with net profit rising 26.64% year-on-year and net interest income increasing 11.74%. The bank also reported further improvement in asset quality, with Gross and Net NPAs declining during the quarter.
RBL Bank Q1 Results FY2027: RBL Bank reported a strong Q1 FY27 performance, with net profit rising 26.64% year-on-year to ₹253.70 crore and net interest income increasing 11.74%. Gross NPA improved to 1.30%, while Net NPA declined to 0.37%, reflecting better asset quality.
RBL Bank Q1 Results FY2027: On 17 July, RBL Bank reported its performance for the first quarter of FY27. Net Interest Income (NII) increased 11.74% year-on-year to ₹1,654.45 crore, while Profit After Tax (PAT) rose 26.64% YoY to ₹253.70 crore.
The bank also reported continued improvement in asset quality, with both Gross and Net NPAs declining during the quarter. Here's a detailed breakdown of RBL Bank's Q1 FY27 results.
RBL Bank Q1 FY2027 Results Highlights
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Total Income (Net) stood at ₹2,613.88 crore in Q1 FY27, registering a 2.50% YoY increase from ₹2,550.14 crore in Q1 FY26. And total income declined 4.60% from Q4 FY26.
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Net Interest Income (NII) increased to ₹1,654.45 crore, up 11.74% YoY from ₹1,480.66 crore. On a quarterly basis, NII declined 0.99%
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Pre-Provision Operating Profit (PPOP) stood at ₹922.79 crore, registering 31.27% YoY growth. Compared with ₹955.38 crore in Q4 FY26, PPOP declined 3.41% QoQ.
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Operating Profit Margin improved to 35.30%, compared with 27.56% in Q1 FY26 and 34.87% in Q4 FY26.
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Profit After Tax (PAT) stood at ₹253.70 crore, registering 26.64% YoY growth from ₹200.33 crore. Compared with ₹229.71 crore in Q4 FY26, PAT increased 10.44% QoQ.
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Gross NPA improved to 1.30% from 2.78% in Q1 FY26 and 1.45% in Q4 FY26. Net NPA stood at 0.37%, compared with 0.45% in Q1 FY26 and 0.39% in Q4 FY26, improving 8 basis points YoY and 2 basis points QoQ.
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Return on Assets (ROA) improved marginally to 0.57%, compared with 0.56% in Q1 FY26 and 0.55% in Q4 FY26.
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Return on Equity (ROE) stood at 4.01%, compared with 5.11% in Q1 FY26 and 5.69% in Q4 FY26.
|
Metric |
Q1 FY27 |
Q4 FY26 |
QoQ % |
Q1 FY26 |
YoY % |
|---|---|---|---|---|---|
|
Total Income (Net) (₹ Cr) |
2,613.88 |
2,739.92 |
-4.60% |
2,550.14 |
2.50% |
|
Net Interest Income (₹ Cr) |
1,654.45 |
1,670.96 |
-0.99% |
1,480.66 |
11.74% |
|
Operating Profit (PPOP) (₹ Cr) |
922.79 |
955.38 |
-3.41% |
702.95 |
31.27% |
|
Operating Profit Margin |
35.30% |
34.87% |
+43 bps |
27.56% |
+774 bps |
|
Profit After Tax (₹ Cr) |
253.70 |
229.71 |
10.44% |
200.33 |
26.64% |
|
Gross NPA (%) |
1.30% |
1.45% |
-15 bps |
2.78% |
-148 bps |
|
Net NPA (%) |
0.37% |
0.39% |
-2 bps |
0.45% |
-8 bps |
|
ROA (%) |
0.57% |
0.55% |
+2 bps |
0.56% |
+1 bp |
|
ROE (%) |
4.01% |
5.69% |
-168 bps |
5.11% |
-110 bps |
|
NIM (%) |
4.13% |
4.41% |
-28 bps |
4.50% |
-37 bps |
|
EPS (₹) |
3.38 |
3.72 |
-9.14% |
3.29 |
2.74% |
Source: RBL Bank Q1 FY27 Investor Presentation and Consolidated Financial Results.
RBL Bank Q1 2027 Segment-wise Revenue
Retail Banking remained the bank's largest business segment during the quarter, while Corporate/Wholesale Banking and Treasury recorded healthy year-on-year growth. Other Banking Operations witnessed a sharp sequential decline.
|
Particulars (₹ Cr) |
Q1 FY27 |
Q4 FY26 |
QoQ % |
Q1 FY26 |
YoY % |
|---|---|---|---|---|---|
|
Corporate/Wholesale Banking |
2,175.26 |
2,043.77 |
6.43% |
1,734.11 |
25.44% |
|
Retail Banking |
4,199.79 |
4,177.15 |
0.54% |
3,936.98 |
6.68% |
|
Treasury |
2,708.90 |
2,538.37 |
6.72% |
2,634.02 |
2.84% |
|
Other Banking Operations |
54.89 |
123.13 |
-55.42% |
48.31 |
13.62% |
|
Gross Segment Revenue |
9,138.84 |
8,882.42 |
2.89% |
8,353.42 |
9.40% |
|
Less: Inter Segment Revenue |
4,376.56 |
4,091.06 |
6.98% |
3,840.85 |
13.95% |
|
Total Income |
4,762.28 |
4,791.36 |
-0.61% |
4,512.57 |
5.53% |
Source: RBL Bank Q1 FY27 Segment Information.
READ THIS ALSO: Reliance Industries Q1 Results 2027
RBL Bank Share Price Today
As of 17 July, 3:30 PM
Ahead of the Q1 FY27 results, RBL Bank's share price closed 1% higher. The stock has gained 16% on a year-to-date (YTD) basis and is up 37% over the one year from July 17, 2025, to July 17, 2026.
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