RBL Bank Q3 Update | Advances rise 13%, deposits grow 12%

Private sector lender RBL Bank Ltd on Friday (January 2) released its provisional business update for the quarter ended December 31, 2025, reporting growth across deposits and advances.

Total deposits stood at ₹1,19,721 crore as of December 31, 2025, registering a 12% year-on-year increase from ₹1,06,753 crore as of December 31, 2024. On a quarter-on-quarter basis, deposits rose 3% from ₹1,16,667 crore as of September 30, 2025.

Deposits below ₹3 crore increased 15% year-on-year and 4% sequentially to ₹61,632 crore, compared with ₹53,719 crore a year earlier. These deposits accounted for around 51.5% of the bank’s total deposits as of December 31, 2025.

Also Read: RBL Bank shares in focus after lender's request to cap foreign shareholding at 24% rejected

CASA deposits rose 6% year-on-year to ₹36,972 crore as of December 31, 2025, though they declined 1% sequentially from ₹37,169 crore. The CASA ratio stood at 30.9% as of December 31, 2025, compared with 32.8% a year ago and 31.9% in the previous quarter. The liquidity coverage ratio averaged 125% for the quarter, compared with 143% in the year-ago period and 127% in the preceding quarter.

Gross advances increased 13% year-on-year to ₹1,04,502 crore as of December 31, 2025, up from ₹92,631 crore a year earlier, while rising 2% sequentially from ₹1,02,334 crore. Secured retail advances grew 24% year-on-year and 1% quarter-on-quarter.

Overall retail advances increased 9% year-on-year and were flat sequentially, while unsecured retail advances declined 6% year-on-year. Wholesale advances grew 19% year-on-year and 5% quarter-on-quarter, with commercial banking advances within wholesale rising 29% year-on-year and 7% sequentially.

Also Read: RBL Bank Executive Director Rajeev Ahuja to step down after current term

The retail-to-wholesale advances mix stood at approximately 59:41. The bank reported a current bucket collection efficiency of 99.5% for the JLG segment for December 2025.

Shares of RBL Bank Ltd ended at ₹320.80, up by ₹1.74, or 5.50%, on the BSE.