RBL Bank Limited (RBL Bank) will open 200 branches in fiscal year 2027 as part of a plan to deepen its presence, focusing on markets where it sees potential for deposit and lending growth. The expansion aims to strengthen retail and small business outreach across urban and semi-urban markets and to address underserved pockets where in-person banking remains important. The bank indicated the programme is intended to complement digital channels and to broaden access for customers by offering account opening and routine services alongside online options. The initiative is expected to improve customer access and convenience while reinforcing local relationships.

The lender said the branch rollout will target customer acquisition, deposit mobilisation and credit delivery, with efforts tailored to local demand patterns. There will be emphasis on micro, small and medium enterprises and retail segments, with branches serving as local relationship hubs and sources of financial literacy and guidance. The bank noted that physical touchpoints remain important for complex products and for new customer onboarding, where staff support helps build trust.

The bank intends to follow cost discipline and an outcomes-based branch model to ensure viability, applying standardised processes to control operating expenses. It will integrate branches with digital services to reduce transaction costs and to enhance service speed, enabling customers to move between channels seamlessly. The lender added that branch staff will be trained to cross-sell and to support digital adoption among customers, with performance measured against customer satisfaction and activation metrics.

The expansion aligns with the lender's medium-term network strategy and market growth ambitions, and it complements investments in back office and technology capabilities. Management will monitor metrics such as deposit growth, account activation and credit disbursal to assess impact and to refine targeting. The bank expects the additional branches to bolster competitive positioning while continuing to invest in technology and in initiatives that promote sustainable customer relationships.