Private sector lender RBL Bank Ltd reported robust provisional growth across key business metrics for the quarter ended December 31, 2025. According to the bank's filing with BSE and NSE, total deposits stood at ₹1,19,721 crore, registering a 12% year-on-year increase from ₹1,06,753 crore as of December 31, 2024. On a sequential basis, deposits rose 3% from ₹1,16,667 crore as of September 30, 2025. Gross advances increased 13% year-on-year to ₹1,04,502 crore, up from ₹92,631 crore a year earlier, while rising 2% sequentially from ₹1,02,334 crore. The bank noted that these numbers are provisional and subject to approval by the Audit Committee, Board of Directors, and statutory auditors.
Deposits below ₹3 crore showed particularly strong momentum, increasing 15% year-on-year and 4% sequentially to ₹61,632 crore, compared with ₹53,719 crore a year earlier. These smaller deposits, a key focus for RBL's granular deposit strategy, accounted for around 51.5% of the bank's total deposits as of December 31, 2025. Current Account and Savings Account (CASA) deposits rose 6% year-on-year to ₹36,972 crore as of December 31, 2025, though they declined 1% sequentially from ₹37,169 crore. The CASA ratio stood at 30.9% as of December 31, 2025, compared with 32.8% a year ago and 31.9% in the previous quarter.
The bank's lending portfolio showed varied performance across segments. Secured retail advances grew 24% year-on-year and 1% quarter-on-quarter, while overall retail advances increased 9% year-on-year and remained flat sequentially. Unsecured retail advances declined 6% year-on-year. Wholesale advances demonstrated strong growth of 19% year-on-year and 5% quarter-on-quarter, with commercial banking advances within wholesale rising 29% year-on-year and 7% sequentially. The retail-to-wholesale advances mix stood at approximately 59:41, underscoring the bank's continued focus on retail lending.
The bank reported operational efficiency with a current bucket collection efficiency of 99.5% for the Joint Liability Group (JLG) segment for December 2025. The liquidity coverage ratio averaged 125% for the quarter, compared with 143% in the year-ago period and 127% in the preceding quarter. Following the positive business update, shares of RBL Bank Ltd ended at ₹320.80, up by ₹1.74, or 5.50%, on the BSE, reflecting investor confidence in the bank's quarterly performance. The official Q3FY26 financial results are expected to provide a complete picture of the bank's performance following statutory approvals.
