{"schema":"liquilens.bank-specialisation.v1","slug":"rbl-bank","name":"RBL Bank Ltd","sector":"bank","as_of":"2026-10-30","status":"observed","scope":"research","score_authority":false,"can_authorize_credit":false,"exclusions":[],"historical_evidence":{"status":"PERIOD_END_PROXY_CONSTRUCTION_PIT","validated_backtest_eligible":false,"real_money_eligible":false,"bitemporal_input_contract":false,"filing_lag_days":60,"availability_time_basis":"explicit publication clock when present; otherwise period_end + 60 days","lead_times_optimistic":true,"reason":"the committed crisis dossiers do not preserve a complete public-availability/revision archive; a conservative filing lag prevents quarter-end lookahead but cannot reconstruct overwritten amendments"},"period_end":"2026-06-30","quarter":"Q1FY27","available_at":"2026-10-04T17:06:35.119775Z","retrieved_at":"2026-10-04T17:00:16.256966+00:00","publication_date":"2026-07-17","age_days":122,"freshness_limit_days":183,"sources":["https://webassets.rbl.bank.in/ir_admin/financial_highlights/InvestorPPTQ1FY27.pdf"],"metrics":{"gnpa_pct":{"label":"Gross NPA / gross advances","value":1.3,"unit":"percent","status":"observed","basis":null},"nnpa_pct":{"label":"Net NPA / net advances","value":0.37,"unit":"percent","status":"observed","basis":null},"crar_pct":{"label":"Capital adequacy","value":33.3,"unit":"percent","status":"observed","basis":"Rounded presentation ratio, including interim Q1 FY27 profits."},"cet1_pct":{"label":"Common equity Tier 1 capital ratio","value":32.2,"unit":"percent","status":"observed","basis":"Includes interim Q1 FY27 profits."},"tier1_pct":{"label":"Tier 1 capital ratio","value":null,"unit":"percent","status":"not_disclosed","basis":null},"casa_pct":{"label":"Current and savings account deposits / deposits","value":25.2,"unit":"percent","status":"observed","basis":"Average CASA ratio for Q1 FY27, not a period-end ratio. PDF page 5."},"top20_depositors_pct":{"label":"Twenty largest depositors / deposits","value":null,"unit":"percent","status":"not_disclosed","basis":null},"top20_npa_pct":{"label":"Twenty largest NPA exposures / gross NPAs","value":null,"unit":"percent","status":"not_disclosed","basis":null},"lcr_pct":{"label":"Reported liquidity coverage","value":null,"unit":"percent","status":"not_disclosed","basis":null},"pcr_including_technical_writeoffs_pct":{"label":"PCR including technical write-offs","value":94.94,"unit":"percent","status":"observed","basis":"Reported provision coverage including technical write-offs. PDF page 5."},"pcr_excluding_technical_writeoffs_pct":{"label":"PCR excluding technical write-offs","value":72,"unit":"percent","status":"observed","basis":null},"pcr_reported_pct":{"label":"Reported PCR; consult disclosed basis","value":null,"unit":"percent","status":"not_disclosed","basis":null},"deposits":{"label":"Deposits","value":124829,"unit":"INR_crore","status":"observed","basis":null},"advances":{"label":"Reported advances","value":116223,"unit":"INR_crore","status":"observed","basis":"Reported net advances."},"gross_loan_portfolio":{"label":"Gross loan portfolio","value":null,"unit":"INR_crore","status":"not_disclosed","basis":null}},"provisional_update":{"status":"unavailable","reason":"No newer provisional business update accepted by this evidence cutoff"},"source_documents":[{"url":"https://webassets.rbl.bank.in/ir_admin/financial_highlights/InvestorPPTQ1FY27.pdf","sha256":"defb773a024df7ed243c1c7f9611f12ccc372aa33646056265eafc0a4416aa87","pdf_pages":[5,7,36]}],"changes":{"quarter":{"status":"observed","from_period":"2026-03-31","to_period":"2026-06-30","unit":"percentage_points","changes":{"gnpa_pct":-0.15,"nnpa_pct":-0.02,"crar_pct":null},"sources":["https://webassets.rbl.bank.in/ir_admin/financial_highlights/InvestorPPTQ1FY27.pdf"],"available_at":"2026-09-24T21:36:30.694179Z"},"year":{"status":"unavailable","reason":"no comparable disclosed period in the requested interval"}},"default_event":null,"interpretation_limits":["A falling NPA percentage does not identify recoveries; loan growth, write-offs and sales can also change it.","GNPA and NNPA use different denominators. Their ratio or difference is not provision coverage.","A zero reported NNPA is not proof of zero credit risk or full deposit safety.","Institution type is the dossier's reporting classification; licence transitions require separate verification."],"next_disclosures":["Sector and borrower concentration","Capital buffers and actual supervisory directions","Deposit concentration and maturity","Slippages, recoveries and write-offs"],"comparability_notes":["Selected facts verified against the cited primary filing; capture time is not backdated to publication.","Additional reported facts reviewed on 4 October 2026 from a newly retrieved, byte-identical primary filing; the reporting period is unchanged and the earlier capture is retained."],"regulatory_comparison":{"framework":"RBI PCA for SCBs (Nov 2021, effective Jan 2022)","applicable":true,"status":"none","risk_level":0,"breaches":[],"headroom":[{"indicator":"CRAR","value":33.3,"entry_at":11.5,"headroom_pp":21.8},{"indicator":"CET1","value":32.2,"entry_at":8.0,"headroom_pp":24.2},{"indicator":"NNPA","value":0.37,"entry_at":6.0,"headroom_pp":5.63}],"not_assessed":["Tier-1 leverage (not in public quarterly disclosures)"],"note":null,"rule_as_of":null,"sources":[]},"npa_movement":{"status":"unavailable","reason":"closed NPA movement table not disclosed in the accepted record"},"history":[{"period_end":"2021-12-31","available_at":"2022-03-01","sources":["https://webassets.rbl.bank.in/ir_admin/pdfs/financial_highlights/Investor_Presentation_Q4_FY22.pdf","https://www.businesstoday.in/industry/banks/story/rbl-bank-q3-results-net-profit-rises-6-to-rs-156-cr-320551-2022-01-27"],"metrics":{"gnpa_pct":{"label":"Gross NPA / gross advances","value":4.84,"unit":"percent","status":"observed","basis":null},"nnpa_pct":{"label":"Net NPA / net advances","value":1.85,"unit":"percent","status":"observed","basis":null},"crar_pct":{"label":"Capital adequacy","value":16.6,"unit":"percent","status":"observed","basis":null},"cet1_pct":{"label":"Common equity Tier 1 capital ratio","value":null,"unit":"percent","status":"not_disclosed","basis":null},"tier1_pct":{"label":"Tier 1 capital ratio","value":null,"unit":"percent","status":"not_disclosed","basis":null},"casa_pct":{"label":"Current and savings account deposits / deposits","value":null,"unit":"percent","status":"not_disclosed","basis":null},"top20_depositors_pct":{"label":"Twenty largest depositors / deposits","value":null,"unit":"percent","status":"not_disclosed","basis":null},"top20_npa_pct":{"label":"Twenty largest NPA exposures / gross NPAs","value":null,"unit":"percent","status":"not_disclosed","basis":null},"lcr_pct":{"label":"Reported liquidity coverage","value":null,"unit":"percent","status":"not_disclosed","basis":null},"pcr_including_technical_writeoffs_pct":{"label":"PCR including technical write-offs","value":null,"unit":"percent","status":"not_disclosed","basis":null},"pcr_excluding_technical_writeoffs_pct":{"label":"PCR excluding technical write-offs","value":null,"unit":"percent","status":"not_disclosed","basis":null},"pcr_reported_pct":{"label":"Reported PCR; consult disclosed basis","value":null,"unit":"percent","status":"not_disclosed","basis":null},"deposits":{"label":"Deposits","value":null,"unit":null,"status":"not_disclosed","basis":null},"advances":{"label":"Reported advances","value":null,"unit":null,"status":"not_disclosed","basis":null},"gross_loan_portfolio":{"label":"Gross loan portfolio","value":null,"unit":null,"status":"not_disclosed","basis":null}}},{"period_end":"2022-03-31","available_at":"2022-05-30","sources":["https://webassets.rbl.bank.in/ir_admin/pdfs/financial_highlights/Investor_Presentation_Q4_FY22.pdf","https://www.business-standard.com/article/news-cm/rbl-bank-q4-fy22-total-deposits-grows-8-yoy-122040600570_1.html"],"metrics":{"gnpa_pct":{"label":"Gross NPA / gross advances","value":4.4,"unit":"percent","status":"observed","basis":null},"nnpa_pct":{"label":"Net NPA / net advances","value":1.34,"unit":"percent","status":"observed","basis":null},"crar_pct":{"label":"Capital adequacy","value":16.8,"unit":"percent","status":"observed","basis":null},"cet1_pct":{"label":"Common equity Tier 1 capital ratio","value":16.21,"unit":"percent","status":"observed","basis":null},"tier1_pct":{"label":"Tier 1 capital ratio","value":null,"unit":"percent","status":"not_disclosed","basis":null},"casa_pct":{"label":"Current and savings account deposits / deposits","value":null,"unit":"percent","status":"not_disclosed","basis":null},"top20_depositors_pct":{"label":"Twenty largest depositors / deposits","value":null,"unit":"percent","status":"not_disclosed","basis":null},"top20_npa_pct":{"label":"Twenty largest NPA exposures / gross NPAs","value":null,"unit":"percent","status":"not_disclosed","basis":null},"lcr_pct":{"label":"Reported liquidity coverage","value":138,"unit":"percent","status":"observed","basis":null},"pcr_including_technical_writeoffs_pct":{"label":"PCR including technical write-offs","value":null,"unit":"percent","status":"not_disclosed","basis":null},"pcr_excluding_technical_writeoffs_pct":{"label":"PCR excluding technical write-offs","value":null,"unit":"percent","status":"not_disclosed","basis":null},"pcr_reported_pct":{"label":"Reported PCR; consult disclosed basis","value":null,"unit":"percent","status":"not_disclosed","basis":null},"deposits":{"label":"Deposits","value":null,"unit":null,"status":"not_disclosed","basis":null},"advances":{"label":"Reported advances","value":null,"unit":null,"status":"not_disclosed","basis":null},"gross_loan_portfolio":{"label":"Gross loan portfolio","value":null,"unit":null,"status":"not_disclosed","basis":null}}},{"period_end":"2022-06-30","available_at":"2022-08-29","sources":["https://webassets.rbl.bank.in/ir_admin/pdfs/financial_highlights/Investor_Presentation_Q2_FY23.pdf"],"metrics":{"gnpa_pct":{"label":"Gross NPA / gross advances","value":4.08,"unit":"percent","status":"observed","basis":null},"nnpa_pct":{"label":"Net NPA / net advances","value":1.16,"unit":"percent","status":"observed","basis":null},"crar_pct":{"label":"Capital adequacy","value":17.5,"unit":"percent","status":"observed","basis":null},"cet1_pct":{"label":"Common equity Tier 1 capital ratio","value":null,"unit":"percent","status":"not_disclosed","basis":null},"tier1_pct":{"label":"Tier 1 capital ratio","value":null,"unit":"percent","status":"not_disclosed","basis":null},"casa_pct":{"label":"Current and savings account deposits / deposits","value":null,"unit":"percent","status":"not_disclosed","basis":null},"top20_depositors_pct":{"label":"Twenty largest depositors / deposits","value":null,"unit":"percent","status":"not_disclosed","basis":null},"top20_npa_pct":{"label":"Twenty largest NPA exposures / gross NPAs","value":null,"unit":"percent","status":"not_disclosed","basis":null},"lcr_pct":{"label":"Reported liquidity coverage","value":null,"unit":"percent","status":"not_disclosed","basis":null},"pcr_including_technical_writeoffs_pct":{"label":"PCR including technical write-offs","value":null,"unit":"percent","status":"not_disclosed","basis":null},"pcr_excluding_technical_writeoffs_pct":{"label":"PCR excluding technical write-offs","value":null,"unit":"percent","status":"not_disclosed","basis":null},"pcr_reported_pct":{"label":"Reported PCR; consult disclosed basis","value":null,"unit":"percent","status":"not_disclosed","basis":null},"deposits":{"label":"Deposits","value":null,"unit":null,"status":"not_disclosed","basis":null},"advances":{"label":"Reported advances","value":null,"unit":null,"status":"not_disclosed","basis":null},"gross_loan_portfolio":{"label":"Gross loan portfolio","value":null,"unit":null,"status":"not_disclosed","basis":null}}},{"period_end":"2022-09-30","available_at":"2022-11-29","sources":["https://webassets.rbl.bank.in/ir_admin/pdfs/financial_highlights/Investor_Presentation_Q2_FY23.pdf"],"metrics":{"gnpa_pct":{"label":"Gross NPA / gross advances","value":3.8,"unit":"percent","status":"observed","basis":null},"nnpa_pct":{"label":"Net NPA / net advances","value":1.26,"unit":"percent","status":"observed","basis":null},"crar_pct":{"label":"Capital adequacy","value":17.4,"unit":"percent","status":"observed","basis":null},"cet1_pct":{"label":"Common equity Tier 1 capital ratio","value":null,"unit":"percent","status":"not_disclosed","basis":null},"tier1_pct":{"label":"Tier 1 capital ratio","value":null,"unit":"percent","status":"not_disclosed","basis":null},"casa_pct":{"label":"Current and savings account deposits / deposits","value":null,"unit":"percent","status":"not_disclosed","basis":null},"top20_depositors_pct":{"label":"Twenty largest depositors / deposits","value":null,"unit":"percent","status":"not_disclosed","basis":null},"top20_npa_pct":{"label":"Twenty largest NPA exposures / gross NPAs","value":null,"unit":"percent","status":"not_disclosed","basis":null},"lcr_pct":{"label":"Reported liquidity coverage","value":156,"unit":"percent","status":"observed","basis":null},"pcr_including_technical_writeoffs_pct":{"label":"PCR including technical write-offs","value":null,"unit":"percent","status":"not_disclosed","basis":null},"pcr_excluding_technical_writeoffs_pct":{"label":"PCR excluding technical write-offs","value":null,"unit":"percent","status":"not_disclosed","basis":null},"pcr_reported_pct":{"label":"Reported PCR; consult disclosed basis","value":null,"unit":"percent","status":"not_disclosed","basis":null},"deposits":{"label":"Deposits","value":null,"unit":null,"status":"not_disclosed","basis":null},"advances":{"label":"Reported advances","value":null,"unit":null,"status":"not_disclosed","basis":null},"gross_loan_portfolio":{"label":"Gross loan portfolio","value":null,"unit":null,"status":"not_disclosed","basis":null}}},{"period_end":"2022-12-31","available_at":"2023-03-01","sources":["https://webassets.rbl.bank.in/ir_admin/pdfs/financial_highlights/Investor_Presentation_Q4_FY23.pdf","https://www.bseindia.com/xml-data/corpfiling/AttachHis/b91d0bf8-036f-4f52-8aae-4402cb26d944.pdf"],"metrics":{"gnpa_pct":{"label":"Gross NPA / gross advances","value":3.61,"unit":"percent","status":"observed","basis":null},"nnpa_pct":{"label":"Net NPA / net advances","value":1.18,"unit":"percent","status":"observed","basis":null},"crar_pct":{"label":"Capital adequacy","value":17.0,"unit":"percent","status":"observed","basis":null},"cet1_pct":{"label":"Common equity Tier 1 capital ratio","value":null,"unit":"percent","status":"not_disclosed","basis":null},"tier1_pct":{"label":"Tier 1 capital ratio","value":null,"unit":"percent","status":"not_disclosed","basis":null},"casa_pct":{"label":"Current and savings account deposits / deposits","value":null,"unit":"percent","status":"not_disclosed","basis":null},"top20_depositors_pct":{"label":"Twenty largest depositors / deposits","value":null,"unit":"percent","status":"not_disclosed","basis":null},"top20_npa_pct":{"label":"Twenty largest NPA exposures / gross NPAs","value":null,"unit":"percent","status":"not_disclosed","basis":null},"lcr_pct":{"label":"Reported liquidity coverage","value":null,"unit":"percent","status":"not_disclosed","basis":null},"pcr_including_technical_writeoffs_pct":{"label":"PCR including technical write-offs","value":null,"unit":"percent","status":"not_disclosed","basis":null},"pcr_excluding_technical_writeoffs_pct":{"label":"PCR excluding technical write-offs","value":null,"unit":"percent","status":"not_disclosed","basis":null},"pcr_reported_pct":{"label":"Reported PCR; consult disclosed basis","value":null,"unit":"percent","status":"not_disclosed","basis":null},"deposits":{"label":"Deposits","value":null,"unit":null,"status":"not_disclosed","basis":null},"advances":{"label":"Reported advances","value":null,"unit":null,"status":"not_disclosed","basis":null},"gross_loan_portfolio":{"label":"Gross loan portfolio","value":null,"unit":null,"status":"not_disclosed","basis":null}}},{"period_end":"2023-03-31","available_at":"2023-05-30","sources":["https://webassets.rbl.bank.in/ir_admin/pdfs/financial_highlights/Investor_Presentation_Q4_FY23.pdf"],"metrics":{"gnpa_pct":{"label":"Gross NPA / gross advances","value":3.37,"unit":"percent","status":"observed","basis":null},"nnpa_pct":{"label":"Net NPA / net advances","value":1.1,"unit":"percent","status":"observed","basis":null},"crar_pct":{"label":"Capital adequacy","value":16.8,"unit":"percent","status":"observed","basis":null},"cet1_pct":{"label":"Common equity Tier 1 capital ratio","value":null,"unit":"percent","status":"not_disclosed","basis":null},"tier1_pct":{"label":"Tier 1 capital ratio","value":null,"unit":"percent","status":"not_disclosed","basis":null},"casa_pct":{"label":"Current and savings account deposits / deposits","value":null,"unit":"percent","status":"not_disclosed","basis":null},"top20_depositors_pct":{"label":"Twenty largest depositors / deposits","value":null,"unit":"percent","status":"not_disclosed","basis":null},"top20_npa_pct":{"label":"Twenty largest NPA exposures / gross NPAs","value":null,"unit":"percent","status":"not_disclosed","basis":null},"lcr_pct":{"label":"Reported liquidity coverage","value":126,"unit":"percent","status":"observed","basis":null},"pcr_including_technical_writeoffs_pct":{"label":"PCR including technical write-offs","value":null,"unit":"percent","status":"not_disclosed","basis":null},"pcr_excluding_technical_writeoffs_pct":{"label":"PCR excluding technical write-offs","value":null,"unit":"percent","status":"not_disclosed","basis":null},"pcr_reported_pct":{"label":"Reported PCR; consult disclosed basis","value":null,"unit":"percent","status":"not_disclosed","basis":null},"deposits":{"label":"Deposits","value":null,"unit":null,"status":"not_disclosed","basis":null},"advances":{"label":"Reported advances","value":null,"unit":null,"status":"not_disclosed","basis":null},"gross_loan_portfolio":{"label":"Gross loan portfolio","value":null,"unit":null,"status":"not_disclosed","basis":null}}},{"period_end":"2026-03-31","available_at":"2026-09-24T21:36:30.694179Z","sources":["https://webassets.rbl.bank.in/ir_admin/financial_highlights/InvestorPPTQ1FY27.pdf"],"metrics":{"gnpa_pct":{"label":"Gross NPA / gross advances","value":1.45,"unit":"percent","status":"observed","basis":null},"nnpa_pct":{"label":"Net NPA / net advances","value":0.39,"unit":"percent","status":"observed","basis":null},"crar_pct":{"label":"Capital adequacy","value":null,"unit":"percent","status":"not_disclosed","basis":null},"cet1_pct":{"label":"Common equity Tier 1 capital ratio","value":null,"unit":"percent","status":"not_disclosed","basis":null},"tier1_pct":{"label":"Tier 1 capital ratio","value":null,"unit":"percent","status":"not_disclosed","basis":null},"casa_pct":{"label":"Current and savings account deposits / deposits","value":null,"unit":"percent","status":"not_disclosed","basis":null},"top20_depositors_pct":{"label":"Twenty largest depositors / deposits","value":null,"unit":"percent","status":"not_disclosed","basis":null},"top20_npa_pct":{"label":"Twenty largest NPA exposures / gross NPAs","value":null,"unit":"percent","status":"not_disclosed","basis":null},"lcr_pct":{"label":"Reported liquidity coverage","value":null,"unit":"percent","status":"not_disclosed","basis":null},"pcr_including_technical_writeoffs_pct":{"label":"PCR including technical write-offs","value":null,"unit":"percent","status":"not_disclosed","basis":null},"pcr_excluding_technical_writeoffs_pct":{"label":"PCR excluding technical write-offs","value":null,"unit":"percent","status":"not_disclosed","basis":null},"pcr_reported_pct":{"label":"Reported PCR; consult disclosed basis","value":null,"unit":"percent","status":"not_disclosed","basis":null},"deposits":{"label":"Deposits","value":null,"unit":null,"status":"not_disclosed","basis":null},"advances":{"label":"Reported advances","value":null,"unit":null,"status":"not_disclosed","basis":null},"gross_loan_portfolio":{"label":"Gross loan portfolio","value":null,"unit":null,"status":"not_disclosed","basis":null}}},{"period_end":"2026-06-30","available_at":"2026-10-04T17:06:35.119775Z","sources":["https://webassets.rbl.bank.in/ir_admin/financial_highlights/InvestorPPTQ1FY27.pdf"],"metrics":{"gnpa_pct":{"label":"Gross NPA / gross advances","value":1.3,"unit":"percent","status":"observed","basis":null},"nnpa_pct":{"label":"Net NPA / net advances","value":0.37,"unit":"percent","status":"observed","basis":null},"crar_pct":{"label":"Capital adequacy","value":33.3,"unit":"percent","status":"observed","basis":"Rounded presentation ratio, including interim Q1 FY27 profits."},"cet1_pct":{"label":"Common equity Tier 1 capital ratio","value":32.2,"unit":"percent","status":"observed","basis":"Includes interim Q1 FY27 profits."},"tier1_pct":{"label":"Tier 1 capital ratio","value":null,"unit":"percent","status":"not_disclosed","basis":null},"casa_pct":{"label":"Current and savings account deposits / deposits","value":25.2,"unit":"percent","status":"observed","basis":"Average CASA ratio for Q1 FY27, not a period-end ratio. PDF page 5."},"top20_depositors_pct":{"label":"Twenty largest depositors / deposits","value":null,"unit":"percent","status":"not_disclosed","basis":null},"top20_npa_pct":{"label":"Twenty largest NPA exposures / gross NPAs","value":null,"unit":"percent","status":"not_disclosed","basis":null},"lcr_pct":{"label":"Reported liquidity coverage","value":null,"unit":"percent","status":"not_disclosed","basis":null},"pcr_including_technical_writeoffs_pct":{"label":"PCR including technical write-offs","value":94.94,"unit":"percent","status":"observed","basis":"Reported provision coverage including technical write-offs. PDF page 5."},"pcr_excluding_technical_writeoffs_pct":{"label":"PCR excluding technical write-offs","value":72,"unit":"percent","status":"observed","basis":null},"pcr_reported_pct":{"label":"Reported PCR; consult disclosed basis","value":null,"unit":"percent","status":"not_disclosed","basis":null},"deposits":{"label":"Deposits","value":124829,"unit":"INR_crore","status":"observed","basis":null},"advances":{"label":"Reported advances","value":116223,"unit":"INR_crore","status":"observed","basis":"Reported net advances."},"gross_loan_portfolio":{"label":"Gross loan portfolio","value":null,"unit":"INR_crore","status":"not_disclosed","basis":null}}}]}