Share of RBL Bank Ltd is currently trading at around Rs.181/-Existing as well as Prospective Investors are asking for RBL Bank Share Price Target 2025 as well as targets for 2030,2035 & 2040. In this article, we will discuss about the business prospects and financial performance of the Bank and based on our discussion and analysis will tell you about the RBL Bank Share Price Target 2025 as well as targets for 2030, 2035 and 2040.
Discussion & Analysis of Business & Financial performance with future Business Prospects of RBL Bank Ltd:
As of April 2025, RBL Bank Ltd has demonstrated a resilient financial performance, marked by notable growth in profitability and asset quality improvements.
Current Business Performance
In Q4 FY24, RBL Bank reported a 30% year-on-year increase in net profit, reaching ₹353 crore. This growth was driven by a 20% rise in net advances to ₹83,987 crore and an 18% increase in net interest income to ₹1,600 crore. Retail advances, constituting 59% of total loans, grew by 30%, with significant contributions from secured segments: housing loans (39% growth), rural vehicle finance (116%), and loans against property (18%)
Asset quality improved, with the gross non-performing assets (GNPA) ratio declining to 2.65% from 3.37% a year earlier, and the net NPA ratio reducing to 0.74% . The provision coverage ratio, including technical write-offs, enhanced to 89.8%, indicating a stronger buffer against potential loan defaults
Future Business Prospects
Looking ahead, RBL Bank aims for a 20% growth in its loan book over the next two financial years, focusing on secured retail assets to mitigate risks associated with unsecured lending. The bank plans to raise up to ₹6,500 crore through a combination of qualified institutional placement (QIP) of shares and debt securities to support this expansion
However, challenges persist. In Q2 FY25, the bank experienced increased slippages, particularly in the credit card and microfinance sectors, leading to a 24% quarter-on-quarter decline in net profit and a 14% drop in share price . Analysts anticipate that these pressures may constrain loan growth to around 16% over the next three years, with potential margin compression of 50 basis points
To navigate these challenges, RBL Bank is emphasizing the expansion of its secured retail loan portfolio and enhancing its digital platforms to improve customer engagement and acquisition. The bank’s strategic focus on asset quality, profitability, and prudent growth positions it to capitalize on opportunities in the evolving banking landscape.
Share Price Targets:
RBL Bank Share Price Target 2025
Based on the above discussion and analysis, the share price of RBL Bank Ltd is likely to touch the level of around Rs.200-225 in 2025
RBL Bank Share Price Target 2030
Based on the above discussion and analysis, the share price of RBL Bank Ltd is likely to touch the level of around Rs.350-400 in 2030
RBL Bank Share Price Target 2035
Based on the above discussion and analysis, the share price of RBL Bank Ltd is likely to touch the level of around Rs.650-750 in 2035
RBL Bank Share Price Target 2040
Based on the above discussion and analysis, the share price of RBL Bank Ltd is likely to touch the level of around Rs.1250-1500 in 2040
Disclaimer: Investments in Capital Market/Share Prices are subject to market fluctuations and are dependent on several factors. These predictions are based on the current market conditions and the future market expectations. Investors are advised to take into consideration all these factors before making any investment in Capital Market. This article should not be treated as Investment advisory and is for general Guidance & Educational purpose only. We keep revising our share price targets based on the latest information available with us. Please keep visiting our website regularly to keep yourself updated. News4You does not offer investment advice and does not encourage any action based on its content.
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