RBL Bank Limited (RBLBANK) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of RBL Bank Limited ₹75.20, price ₹411, upside -81.7%, quality 47 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? No
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RBL Bank Limited
RBLBANK · NSEStructural break: The valuation model sees a lasting decline in earnings power for this stock, the confidence band is broken. Treat the target with caution.
Weakest SetupStrongly overvalued and low quality.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range ₹75.70 – ₹428.00 · fair‑value band ₹63.65 – ₹78.31 · the ₹411.40 price screens above the ₹75.20 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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Company profile
RBL Bank Limited operates as a scheduled commercial bank in India. It operates through Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations segments.
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RBL Bank Limited operates as a scheduled commercial bank in India. It operates through Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations segments. The company offers savings, salary, current, special institutions, and seafarer accounts; safe deposit lockers; fixed, recurring, and smart deposits; and portfolio investment schemes. It also provides housing, personal, business, pre-owned car, two-wheeler, education, business, crop, agri investment, agri allied, and micro-enterprise loans, as well as overdrafts, rural vehicle finance, loans against gold ornaments, loans against property, working capital finance, and unsecured and secured small business loans; life, general, and health insurance products; investments services, such as e-ASBA and national pension system; and Demat accounts. In addition, the company offers online tax and bill payment, missed call recharge and facility, payment gateway, and merchant acquiring services; online, mobile, and digital banking; debit, credit, commercial, and prepaid cards; outward remittances; wire transfer and foreign currency cheques; and developmental banking and financial inclusion services, including loan syndications. Further, it provides corporate finance; investment banking services, comprising mergers and acquisitions advisory and private equity capital advisory; project and infrastructure finance, structured finance, and real estate financing; cash management, trade and remittance, and supply chain finance services; and financial markets and treasury products, including capital markets, and forex and bullion. Additionally, the company offers agribusiness, NRI, and preferred banking services. It operates a network of bank branches, business correspondent branches, and ATMs. The company was formerly known as The Ratnakar Bank Limited and changed its name to RBL Bank Limited in August 2014. RBL Bank Limited was incorporated in 1943 and is based in Mumbai, India.
Stock analysis
RBL Bank Limited (RBLBANK) currently trades at ₹411.40, while our model-based Fair Value estimate is ₹75.20, 81.7% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of ₹81.66 per share, and 0 of the 6 models we run sit above the ₹411.40 price.
Bear case: the Asset-Based group reads lowest at ₹72.22, and 6 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: ₹63.65 (bear) to ₹78.31 (bull), the price of ₹411.40 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 47/100 (below-average quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
RBL Bank Limited reported revenue of ₹185B in FY2026 versus ₹108B in FY2022, a compound +14.4%/yr. Reported net income was ₹8.8B in FY2026.
Key figures
Market cap ₹644B (≈ $6.7B) · P/E ratio 33.9 · P/S ratio 1.62 · EPS (TTM) ₹12.12 · Dividend yield 0.2% · Net margin 4.8% · Return on equity 3.4% · Return on assets (EBIT) 0.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and 51% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −82%, RBLBANK screens richer than that median.
Fair Value models
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 51 · Market factors (momentum, volatility) 78
Revenue & earnings trend
Growth Forecast
RBLBANK screens overvalued: fair value 82% below the price. Compare with DBS Group →
Compare RBL Bank Limited with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1052 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: Indian Stocks
- Valuation of the India market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 78.00 SGD | 40.39 SGD | −48% |
| China Merchants Bank Co 600036 | ¥40.69 | ¥52.73 | +30% |
| UniCredit S.p.A UCG | €79.53 | €77.12 | −3% |
| Mizuho Financial Group MFG | $11.05 | $6.82 | −38% |
| Intesa Sanpaolo S.p.A ISP | €6.38 | €4.06 | −36% |
| BNP Paribas SA BNP | €91.54 | €105.99 | +16% |
| HDFC Bank Limited HDFCBANK | ₹721.20 | ₹406.44 | −44% |
| Oversea-Chinese Banking Corporation O39 | 32.01 SGD | 19.78 SGD | −38% |
| Al Rajhi Banking and Investment Corporation 1120 | 63.15 SAR | 36.95 SAR | −41% |
| CaixaBank, S.A CABK | €12.03 | €8.46 | −30% |
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Key figures of RBL Bank Limited
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