RBL Bank Limited, in its provisional business update for the quarter ended June 30, 2025, reported steady growth in both deposits and advances on a year-on-year basis.
According to the disclosure made under SEBI regulations, RBL Bank’s total deposits rose 11% YoY to ₹1,12,665 crore from ₹1,01,352 crore a year ago. Sequentially, deposits increased by 2% from ₹1,10,944 crore as of March 2025. Deposits below ₹3 crore grew more robustly by 16% YoY and 5% QoQ to ₹57,929 crore, forming approximately 51.4% of the overall deposit mix.
The CASA (current account and savings account) deposits stood at ₹36,606 crore, up 11% YoY but down 3% QoQ, with CASA ratio at 32.5%. The average liquidity coverage ratio improved to 152% during the quarter, compared to 137% a year ago.
On the advances front, the bank’s gross advances climbed 9% YoY to ₹96,704 crore, and were up 2% QoQ. Retail advances grew 7% YoY and 2% QoQ, while wholesale advances grew faster at 13% YoY and 3% QoQ. Notably, within wholesale advances, the commercial banking segment surged by 32% YoY and 6% QoQ. Secured retail advances rose 23% YoY and 5% QoQ, while unsecured retail advances declined by 7% YoY and 2% QoQ. The overall retail-to-wholesale mix remained at approximately 60:40.
The bank highlighted its continued focus on growing granular retail deposits, with sub-₹3 crore deposits increasing their share in the deposit base from 49.8% in March 2025 to 51.4% at the end of June 2025.
The figures shared are provisional and subject to approval by the Audit Committee, Board of Directors, and statutory audit.
Disclaimer: The information presented is provisional and intended for informational purposes only. Investors should await the final audited financial results before making any investment decisions.
