New Delhi: RBL Bank on Friday reported healthy growth in deposits and advances for the quarter ended December 31, 2025, signalling stability in its core banking operations amid a cautious lending environment. Total deposits rose 12% year-on-year to ₹1.20 lakh crore, while gross advances increased 13% to ₹1.05 lakh crore, according to a provisional regulatory filing.
Sequentially, deposits grew 3% over the September quarter, supported by a continued push towards granular retail funding. Deposits below ₹3 crore — a key focus area for the lender — climbed 15% year-on-year and now account for about 51.5% of the bank’s overall deposit base, underscoring improving deposit quality and stability.
The bank’s CASA deposits stood at ₹36,972 crore, up 6% year-on-year but marginally lower on a quarter-on-quarter basis, with the CASA ratio easing to 30.9% from 31.9% in the previous quarter. Despite this moderation, RBL Bank maintained a strong liquidity position, with an average liquidity coverage ratio of 125% during the quarter, well above regulatory requirements.
On the lending side, secured retail advances emerged as a key growth driver, rising 24% year-on-year, while overall retail advances grew 9% annually and remained largely flat sequentially. Unsecured retail loans declined 6% year-on-year, reflecting the bank’s calibrated approach to risk. Wholesale advances expanded 19% year-on-year and 5% sequentially, with commercial banking loans registering a robust 29% annual growth. The retail-to-wholesale advance mix stood.