RBL Bank Deposits Cross ₹1.12 Lakh Crore in Q1 FY26; CASA Ratio Slips Marginally to 32.5%
By Shishta Dutta | Published at: Jul 4, 2025 10:11 AM IST
Mumbai, July 4, 2025 — RBL Bank Ltd (NSE: RBLBANK, BSE: 540065) reported a steady 11% year-on-year (YoY) growth in total deposits to ₹1,12,665 crore as of June 30, 2025, according to its provisional financial update filed under SEBI Listing Regulations. The sequential quarter-on-quarter (QoQ) growth stood at 2%.
The bank reported this update on Thursday, July 3. The share of granular retail deposits (below ₹3 crore) improved to approximately 51.4%, up from 49.8% in the previous quarter.
Key Financial Highlights (₹ in crore)
| Particulars | 30-Jun-24 | 31-Mar-25 | 30-Jun-25 (Provisional) | YoY | QoQ |
|---|---|---|---|---|---|
| Total Deposits | 1,01,352 | 1,10,944 | 1,12,665 | 11% | 2% |
| Deposits < ₹3 crore | 49,994 | 55,213 | 57,929 | 16% | 5% |
| CASA | 33,003 | 37,886 | 36,606 | 11% | -3% |
| CASA Ratio (%) | 32.6% | 34.1% | 32.5% | – | – |
| Liquidity Coverage Ratio (LCR)* | 137% | 133% | 152% | – | – |
| Gross Advances | 88,443 | 94,813 | 96,704 | 9% | 2% |
*LCR is the average for the quarter
Segment-Wise Loan Growth
RBL Bank recorded healthy growth across segments:
- Retail Advances: Up 7% YoY and 2% QoQ
- Secured Retail Advances: Jumped 23% YoY and 5% QoQ
- Unsecured Retail Advances: Declined 7% YoY and 2% QoQ
- Wholesale Advances: Increased 13% YoY and 3% QoQ
- Commercial Banking (within wholesale): Surged 32% YoY and 6% QoQ
The bank maintained a balanced 60:40 mix between retail and wholesale advances, with a clear strategic emphasis on growing the secured and granular retail portfolio.
Strategic Deposit Mix
Granular deposits continued to be a focus, with retail deposits (below ₹3 crore) now forming 51.4% of total deposits, up from 49.8% in March 2025. This indicates a consistent effort to improve funding stability.
Outlook
This provisional update precedes the formal Q1 FY26 results, which will be reviewed by the Audit Committee and the Board, followed by a statutory audit. The announcement reflects the bank’s commitment to transparent early disclosures under Regulation 8 of the SEBI (Prohibition of Insider Trading) Regulations, 2015.
RBL Bank Stock Performance
RBL Bank shares opened on a positive note this morning, rising 1.08% to ₹255.39 as of 9:23 AM IST on July 4, 2025. RBL Bank shares have dipped 4% in the last year, gained 61% in the year-to-date, and are up 20% in the previous month.
About RBL Bank
RBL Bank Ltd, listed on NSE and BSE, is a Kolhapur-headquartered private sector bank offering a wide range of banking and financial services across retail, wholesale, and commercial banking segments. The bank continues to deepen its retail deposit franchise while maintaining asset quality and balanced credit growth.
REF: https://nsearchives.nseindia.com/corporate/RBLBANK_03072025213656_IntimationunderSEBILODRQ1FY25Signed.pdf
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