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RBL Bank Ltd

NSE: RBLBANK BSE: 540065

297.25

(1.76%)

Sun, 29 Mar 2026, 10:41 pm

RBL Bank Analysis

dividend

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Pros

  • Dividends paid are thoroughly covered by earnings (7.4x coverage).
  • RBL Bank's pays a higher dividend yield than the bottom 25% of dividend payers in India (0.76%).
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Cons

  • RBL Bank has only been paying a dividend for 3 years, and since then dividends per share have fallen.
  • RBL Bank has been paying a dividend for less than 10 years and during this time payments have been volatile (annual drop of over 20%).
  • RBL Bank's dividend is below the markets top 25% of dividend payers in India (3.08%).

health

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Pros

  • RBL Bank's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • RBL Bank's liabilities are made up of primarily low risk sources of funding.
  • RBL Bank has an acceptable proportion of non-loan assets held.
  • Loans at RBL Bank are broadly funded by customer deposits.
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Cons

  • RBL Bank has a high level of bad loans (greater than 2%).

management

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Pros

  • Vishwavir's remuneration is about average for companies of similar size in India.
  • Vishwavir's compensation has been consistent with company performance over the past year, both up more than 20%.
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Cons

  • The average tenure for the RBL Bank board of directors is less than 3 years, this suggests a new board.
  • RBL Bank individual insiders have sold more shares than they have bought in the past 3 months.
  • The average tenure for the RBL Bank management team is less than 2 years, this suggests a new team.

misc

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Pros

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    Cons

    • RBL Bank is not covered by any analysts.
    • RBL Bank has significant price volatility in the past 3 months.

    past

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    Pros

    • RBL Bank's year on year earnings growth rate has been positive over the past 5 years, however the most recent earnings are below average.
    • RBL Bank used its assets more efficiently than the IN Banks industry average last year based on Return on Assets.
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    Cons

    • RBL Bank's 1-year earnings growth is negative, it can't be compared to the 5-year average.
    • RBL Bank has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
    • RBL Bank's 1-year earnings growth is negative, it can't be compared to the IN Banks industry average.

    value

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    Pros

    • NSEI:RBLBANK is up 33.5% outperforming the Banks industry which returned 7.6% over the past month.
    • NSEI:RBLBANK is up 33.5% outperforming the market in India which returned 8% over the past month.
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    Cons

    • RBL Bank's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
    • RBL Bank's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
    • RBL Bank is overvalued based on assets compared to the IN Banks industry average.
    • RBL Bank is overvalued based on earnings compared to the IN Banks industry average.
    • RBL Bank is overvalued based on earnings compared to the India market.
    • RBLBANK underperformed the Banks industry which returned -37.5% over the past year.
    • RBLBANK underperformed the Market in India which returned -14.5% over the past year.

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    Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800