CreditBrief

What RBL Bank lends, and to whom

Its loan book from its own filings: how big it was at the end of FY2025-26, who borrows from it, how it has grown and where it ranks. Every number links to the page it came from.

FY2025-26Year-end balance on 31 March 2026, the last day of FY2025-26. The latest half-year balance, on 30 Sep 2026, is ₹1.42 lakh crore (+25% since March).

RBL BankPrivate banks

₹1.14lakh crorenet advances on 31 Mar 2026: lent and not yet repaid

Compare loan books Credit salaries here

Size among peers24thof 33 banks on CreditBrief, March 2026
Biggest segment30.5%Wholesale: Corporate, latest split (30 Sep 2026)
Share of the combined book0.5%of all banks on CreditBrief

Chapter 01 · The loan book

₹1.14 lakh crore lent out by March 2026. To whom?

A loan book is everything a lender has lent that has not yet been paid back. It is not profit and not revenue: it is the money still owed to it, on one day.

The simple version. When someone takes a ₹50 lakh home loan, it sits in RBL Bank's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from wholesale: corporate down, and you get ₹1.14 lakh crore. By 30 Sep 2026 it was ₹1.42 lakh crore.

First cut: who the borrower is · split from its latest filing, 30 Sep 2026

42%People and households₹60,250 croreSecured retail: Housing LoanSecured retail: Gold LoansSecured retail: Rural Vehicle FinanceSecured retail: Retail AgriSecured retail: Others
58%Businesses₹81,545 croreWholesale: CorporateWholesale: CommercialSecured retail: Business Loan

Drilling down: what it lends against · 30 Sep 2026

  • Wholesale: Corporate₹43,366 crore30.5%
  • Wholesale: Commercial₹19,483 crore13.7%
  • Secured retail: Business Loan₹18,696 crore13.1%
  • Unsecured retail: Credit Card Receivables₹15,693 crore11%
  • Secured retail: Others₹14,541 crore10.2%
  • Secured retail: Housing Loan₹8,829 crore6.2%
  • Unsecured retail: JLG Loans₹8,535 crore6%
  • Secured retail: Gold Loans₹4,155 crore2.9%
  • Secured retail: Rural Vehicle Finance₹3,635 crore2.6%
  • Unsecured retail: Personal Loans₹3,304 crore2.3%
  • Secured retail: Retail Agri₹1,558 crore1.1%

Some segments are worked out from the share of the book the lender gives.

The filing gives three blocks: wholesale ₹62,849 crore, secured retail ₹51,933 crore and unsecured retail ₹27,532 crore. Products inside each are given only as percentages, so their amounts are worked out. Secured "Others" includes about ₹10,300 crore of loans against FCNR(B) deposits.

Sources: RBL Bank Investor Presentation Q4 FY26, PDF page 8 ↗ for March 2026; RBL Bank Press Release and Investor Presentation Q2 FY27 (exchange filing), PDF page 8 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 17% a year since March 2022.

From ₹60,022 crore on 31 March 2022 to ₹1.14 lakh crore on 31 March 2026, and ₹1.42 lakh crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights30 figures from 11 filings · each checked against its pageHow it works
RBL Bank · loan book · 31 March 2026₹1.14lakh crore+23% in FY2025-26₹1.42 lakh crore by 30 Sep 2026
  1. 0117%a year since 2022Grew 17% a year from March 2022 to March 2026, faster than 20 of the 29 other banks with like-for-like figures for those years.
  2. 0223%in FY2025-26Growth picked up to 23% in FY2025-26, from 10% the year before.
  3. 0324thamong peersHeld its place as the 24th biggest of these 33 banks from March 2022 to March 2026.
Deposits₹1.39 lakh crore+25% · in FY2025-26
Loans to deposits82.2%-1.3 pts · in FY2025-26
CASA ratio33.6%-0.5 pts · in FY2025-26
Corporate and wholesale loans₹47,112 crore+28% · in FY2025-26
Branches603+7.5% · in FY2025-26
MeasureMar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Loan book₹ crore · net advances60,02270,20983,98792,6181,14,2321,42,314
Corporate and wholesale loans₹ crore28,69332,43134,84036,91547,11262,849
Deposits₹ crore79,00784,8871,03,4941,10,9441,39,0181,56,272
CASA ratio%35.3037.4035.2034.1033.6024.04
BranchesNumber502517545561603628

Each value was checked by script: the quoted line is on the cited page and its number matches. Growth is worked out from these values.

Insights alertQ3 FY2026-27 due by 14 Feb 2027

Know what moved at RBL Bank, the week its results land.

Insights reads the filing, checks every figure against its page, and emails you the story with the receipts. About four emails a year per lender.

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Its last results, as an alert

CreditBrief Insightsto you

RBL Bank, Q2 FY2026-27: loan book ₹1.42 lakh crore, +25% since March

  • ₹1.42 lakh crore lent out by Q2 FY2026-27
  • Biggest segment: Wholesale: Corporate, 30% of the book
  • Every figure links to page 8 of its filing

Chapter 03 · Among its peers

24th biggest of 33 banks we cover, March 2026.

At the end of FY2025-26 it held 0.5% of the combined loan book of the banks on CreditBrief. Banks report advances, gross or net, and each row says which.

  1. 1State Bank of India₹49.33 lakh crore
  2. 2HDFC Bank₹29.60 lakh crore
  3. 3ICICI Bank₹15.54 lakh crore
  4. 4Bank of Baroda₹14.30 lakh crore
  5. 5Punjab National Bank₹12.59 lakh crore
  6. 6Canara Bank₹12.38 lakh crore
  7. 7Axis Bank₹12.34 lakh crore
  8. 8Union Bank of India₹10.79 lakh crore
  9. 24RBL Bank₹1.14 lakh crore

Explore every lender's loan book. CreditBrief covers 53 lenders, not every lender in India.

Chapter 04 · Working here

Getting in.

Jobs at RBL Bank

Openings are on the lender's own careers page, which we loaded and read on the jobs page.

Open the careers page ↗

Read next

Prepare for the interview

Chapter 05 · Sources

Every number, traced to its filing.

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