RBL Bank is an Indian private sector scheduled commercial bank headquartered in Mumbai, Maharashtra. The bank offers services across five business verticals: corporate and institutional banking, commercial banking, branch and business banking, retail assets, and treasury and financial markets. It is listed on the BSE and the National Stock Exchange of India.
| Type | Private sector bank |
|---|---|
| Industry | Banking, financial services |
| Former name | Ratnakar Bank Limited |
| Headquarters | Mumbai, Maharashtra, India |
| Area served | India |
| Listings | BSE, NSE |
| Regulator | Reserve Bank of India |
The institution traces its origins to Ratnakar Bank, a small regional bank established in the Kolhapur–Sangli belt of western Maharashtra. For several decades it operated as a community-focused bank serving small and medium businesses and agricultural clients in that region. From around 2010 onwards, the bank underwent a major transformation, raising fresh capital, expanding its footprint nationally, and broadening its product range. It was rebranded as RBL Bank in 2014 to reflect its pan-Indian character.
RBL Bank operates a network of branches and banking outlets, automated teller machines, and business correspondent locations across India. Its corporate and institutional banking arm serves large companies and multinationals, while the commercial banking segment focuses on mid-market enterprises. The retail business covers savings and current accounts, fixed deposits, home loans, personal loans, two-wheeler loans, credit cards, and wealth management. The bank has also been active in microfinance through partnerships and acquired portfolios, and it issues co-branded credit cards with several partners.
RBL Bank is among the new-generation Indian private banks that have grown from regional institutions into nationally significant lenders following liberalisation of the Indian banking sector. It is regularly counted among the mid-sized private banks in India and participates in priority sector lending, financial inclusion initiatives, and digital banking partnerships with fintech firms.