{"id":1301782,"date":"2025-10-26T09:49:23","date_gmt":"2025-10-26T04:19:23","guid":{"rendered":"https:\/\/trak.in\/stories\/?p=1301782"},"modified":"2025-10-26T09:49:52","modified_gmt":"2025-10-26T04:19:52","slug":"rbl-bank-can-open-bank-accounts-for-16-crore-zerodha-customers","status":"publish","type":"post","link":"https:\/\/trak.in\/stories\/rbl-bank-can-open-bank-accounts-for-16-crore-zerodha-customers\/","title":{"rendered":"RBL Bank Can Open Bank Accounts For 16 Crore Zerodha Customers"},"content":{"rendered":"\n<p>RBL Bank is reportedly in advanced talks with Zerodha to open bank accounts for its 160 million broking clients. If successful, this could unlock deposits worth nearly \u20b940,000 crore, boosting the bank\u2019s deposit base by over 30% and strengthening its retail franchise.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"762\" src=\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/10\/Screenshot-2025-10-26-at-9.48.27-AM-1024x762.png\" alt=\"\" class=\"wp-image-1301806\" srcset=\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/10\/Screenshot-2025-10-26-at-9.48.27-AM-1024x762.png 1024w, https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/10\/Screenshot-2025-10-26-at-9.48.27-AM-300x223.png 300w, https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/10\/Screenshot-2025-10-26-at-9.48.27-AM-768x572.png 768w, https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/10\/Screenshot-2025-10-26-at-9.48.27-AM-1536x1143.png 1536w, https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/10\/Screenshot-2025-10-26-at-9.48.27-AM.png 1620w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Strengthening RBL Bank\u2019s Deposit Base<\/h2>\n\n\n\n<p>The potential \u20b940,000 crore inflow from Zerodha\u2019s client accounts would significantly improve RBL\u2019s CASA (Current Account Savings Account) ratio. Since Zerodha\u2019s clientele largely consists of active traders, the funds are expected to be stable and low-churn, helping the bank reduce its cost of funds while improving liquidity. The move could position RBL as a major player in retail banking with stronger funding sources.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Integration Through 3-in-1 Accounts<\/h2>\n\n\n\n<p>Currently, Zerodha\u2019s clients use multiple banks to hold trading balances. RBL aims to <a href=\"https:\/\/www.financialexpress.com\/business\/banking-finance-rbl-in-talks-to-onboardnbsp160-million-zerodha-clients-4020913\/\">consolidate<\/a> these funds by offering an integrated 3-in-1 account \u2014 combining broking, demat, and banking services. This structure would give clients seamless access to trading funds while keeping their deposits within RBL\u2019s ecosystem, similar to arrangements once offered through Zerodha\u2019s partnership with IDFC First Bank.<\/p>\n\n\n\n<p>If finalized, RBL could attract a vast portion of Zerodha\u2019s user base, translating into long-term, high-retention deposits.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Strategic Timing and Capital Boost<\/h2>\n\n\n\n<p>The talks coincide with UAE-based Emirates NBD\u2019s plan to acquire a majority stake in RBL Bank by infusing \u20b926,850 crore through preferential shares. This infusion will expand RBL\u2019s capital base to around \u20b945,000 crore and support expansion across retail, corporate, and digital banking. As of September 2025, RBL\u2019s total deposits stood at \u20b91.17 lakh crore \u2014 meaning the Zerodha alliance could add substantial value overnight.<\/p>\n\n\n\n<p>Additionally, RBI\u2019s recent move to raise the loan-against-shares limit from \u20b920 lakh to \u20b91 crore could further benefit RBL by enabling higher-income avenues from broker-linked clients.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Impact on India\u2019s Financial Ecosystem<\/h2>\n\n\n\n<p>This partnership represents a milestone in integrating stockbroking with mainstream banking, creating mutually beneficial synergies. While RBL gains stable deposits and new customers, Zerodha users get a unified experience with faster fund transfers and improved capital efficiency.<\/p>\n\n\n\n<p>Industry experts note that integrated 3-in-1 banking relationships attract 2.5 times more \u201csticky money\u201d than conventional accounts \u2014 underscoring the transformation this alliance could bring to retail banking in India.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Summary<\/h2>\n\n\n\n<p>RBL Bank is in advanced talks with Zerodha to onboard its 160 million clients into a unified 3-in-1 banking structure. The deal could add up to \u20b940,000 crore in low-cost deposits, boosting RBL\u2019s base by over 30%. Backed by Emirates NBD\u2019s \u20b926,850 crore capital infusion, this partnership marks a major leap for both retail banking and broker integration.<\/p>\n\n\n\n<p><a href=\"https:\/\/economictimes.indiatimes.com\/markets\/stocks\/news\/zerodha-books-profit-in-bse-adds-radico-khaitan-to-portfolio-in-q1\/articleshow\/112982305.cms?from=mdr\">Image Source<\/a><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>RBL Bank is reportedly in advanced talks with Zerodha to open bank accounts for its 160 million broking clients. If successful, this could unlock deposits worth nearly \u20b940,000 crore, boosting the bank\u2019s deposit base by over 30% and strengthening its retail franchise. Strengthening RBL Bank\u2019s Deposit Base The potential \u20b940,000 crore inflow from Zerodha\u2019s client [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":1301806,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[21],"tags":[8873,3575],"class_list":["post-1301782","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","tag-rbl","tag-zerodha"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>RBL Bank Can Open Bank Accounts For 16 Crore Zerodha Customers - Trak.in - Indian Business of Tech, Mobile &amp; Startups<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/trak.in\/stories\/rbl-bank-can-open-bank-accounts-for-16-crore-zerodha-customers\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"RBL Bank Can Open Bank Accounts For 16 Crore Zerodha Customers - Trak.in - Indian Business of Tech, Mobile &amp; Startups\" \/>\n<meta property=\"og:description\" content=\"RBL Bank is reportedly in advanced talks with Zerodha to open bank accounts for its 160 million broking clients. If successful, this could unlock deposits worth nearly \u20b940,000 crore, boosting the bank\u2019s deposit base by over 30% and strengthening its retail franchise. Strengthening RBL Bank\u2019s Deposit Base The potential \u20b940,000 crore inflow from Zerodha\u2019s client [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/trak.in\/stories\/rbl-bank-can-open-bank-accounts-for-16-crore-zerodha-customers\/\" \/>\n<meta property=\"og:site_name\" content=\"Trak.in - Indian Business of Tech, Mobile &amp; Startups\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-26T04:19:23+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-26T04:19:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/10\/Screenshot-2025-10-26-at-9.48.27-AM-1024x762.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"762\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Mohul Ghosh\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mohul Ghosh\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/trak.in\/stories\/rbl-bank-can-open-bank-accounts-for-16-crore-zerodha-customers\/\",\"url\":\"https:\/\/trak.in\/stories\/rbl-bank-can-open-bank-accounts-for-16-crore-zerodha-customers\/\",\"name\":\"RBL Bank Can Open Bank Accounts For 16 Crore Zerodha Customers - Trak.in - Indian Business of Tech, Mobile &amp; Startups\",\"isPartOf\":{\"@id\":\"https:\/\/trak.in\/stories\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/trak.in\/stories\/rbl-bank-can-open-bank-accounts-for-16-crore-zerodha-customers\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/trak.in\/stories\/rbl-bank-can-open-bank-accounts-for-16-crore-zerodha-customers\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/10\/Screenshot-2025-10-26-at-9.48.27-AM.png\",\"datePublished\":\"2025-10-26T04:19:23+00:00\",\"dateModified\":\"2025-10-26T04:19:52+00:00\",\"author\":{\"@id\":\"https:\/\/trak.in\/stories\/#\/schema\/person\/5092a7d2906e3f3c819643435477c2a7\"},\"breadcrumb\":{\"@id\":\"https:\/\/trak.in\/stories\/rbl-bank-can-open-bank-accounts-for-16-crore-zerodha-customers\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/trak.in\/stories\/rbl-bank-can-open-bank-accounts-for-16-crore-zerodha-customers\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/trak.in\/stories\/rbl-bank-can-open-bank-accounts-for-16-crore-zerodha-customers\/#primaryimage\",\"url\":\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/10\/Screenshot-2025-10-26-at-9.48.27-AM.png\",\"contentUrl\":\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/10\/Screenshot-2025-10-26-at-9.48.27-AM.png\",\"width\":1620,\"height\":1206},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/trak.in\/stories\/rbl-bank-can-open-bank-accounts-for-16-crore-zerodha-customers\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/trak.in\/stories\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"RBL Bank Can Open Bank Accounts For 16 Crore Zerodha Customers\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/trak.in\/stories\/#website\",\"url\":\"https:\/\/trak.in\/stories\/\",\"name\":\"Trak.in - Indian Business of Tech, Mobile &amp; Startups\",\"description\":\"Trak.in is a popular Indian Business, Technology, Mobile &amp; Startup blog featuring trending News, views and analytical take on Technology, Business, Finance, Telecom, Mobile, startups &amp; Social Media Space\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/trak.in\/stories\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/trak.in\/stories\/#\/schema\/person\/5092a7d2906e3f3c819643435477c2a7\",\"name\":\"Mohul Ghosh\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/trak.in\/stories\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/66c129d83dd3f325a3b550eb1aa16891173ddfc4686361424206cd9a01311c89?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/66c129d83dd3f325a3b550eb1aa16891173ddfc4686361424206cd9a01311c89?s=96&d=mm&r=g\",\"caption\":\"Mohul Ghosh\"},\"url\":\"https:\/\/trak.in\/stories\/author\/mohul-ghosh\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"RBL Bank Can Open Bank Accounts For 16 Crore Zerodha Customers - Trak.in - Indian Business of Tech, Mobile &amp; Startups","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/trak.in\/stories\/rbl-bank-can-open-bank-accounts-for-16-crore-zerodha-customers\/","og_locale":"en_US","og_type":"article","og_title":"RBL Bank Can Open Bank Accounts For 16 Crore Zerodha Customers - Trak.in - Indian Business of Tech, Mobile &amp; Startups","og_description":"RBL Bank is reportedly in advanced talks with Zerodha to open bank accounts for its 160 million broking clients. If successful, this could unlock deposits worth nearly \u20b940,000 crore, boosting the bank\u2019s deposit base by over 30% and strengthening its retail franchise. Strengthening RBL Bank\u2019s Deposit Base The potential \u20b940,000 crore inflow from Zerodha\u2019s client [&hellip;]","og_url":"https:\/\/trak.in\/stories\/rbl-bank-can-open-bank-accounts-for-16-crore-zerodha-customers\/","og_site_name":"Trak.in - Indian Business of Tech, Mobile &amp; Startups","article_published_time":"2025-10-26T04:19:23+00:00","article_modified_time":"2025-10-26T04:19:52+00:00","og_image":[{"width":1024,"height":762,"url":"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/10\/Screenshot-2025-10-26-at-9.48.27-AM-1024x762.png","type":"image\/png"}],"author":"Mohul Ghosh","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Mohul Ghosh","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/trak.in\/stories\/rbl-bank-can-open-bank-accounts-for-16-crore-zerodha-customers\/","url":"https:\/\/trak.in\/stories\/rbl-bank-can-open-bank-accounts-for-16-crore-zerodha-customers\/","name":"RBL Bank Can Open Bank Accounts For 16 Crore Zerodha Customers - Trak.in - Indian Business of Tech, Mobile &amp; Startups","isPartOf":{"@id":"https:\/\/trak.in\/stories\/#website"},"primaryImageOfPage":{"@id":"https:\/\/trak.in\/stories\/rbl-bank-can-open-bank-accounts-for-16-crore-zerodha-customers\/#primaryimage"},"image":{"@id":"https:\/\/trak.in\/stories\/rbl-bank-can-open-bank-accounts-for-16-crore-zerodha-customers\/#primaryimage"},"thumbnailUrl":"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/10\/Screenshot-2025-10-26-at-9.48.27-AM.png","datePublished":"2025-10-26T04:19:23+00:00","dateModified":"2025-10-26T04:19:52+00:00","author":{"@id":"https:\/\/trak.in\/stories\/#\/schema\/person\/5092a7d2906e3f3c819643435477c2a7"},"breadcrumb":{"@id":"https:\/\/trak.in\/stories\/rbl-bank-can-open-bank-accounts-for-16-crore-zerodha-customers\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/trak.in\/stories\/rbl-bank-can-open-bank-accounts-for-16-crore-zerodha-customers\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/trak.in\/stories\/rbl-bank-can-open-bank-accounts-for-16-crore-zerodha-customers\/#primaryimage","url":"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/10\/Screenshot-2025-10-26-at-9.48.27-AM.png","contentUrl":"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/10\/Screenshot-2025-10-26-at-9.48.27-AM.png","width":1620,"height":1206},{"@type":"BreadcrumbList","@id":"https:\/\/trak.in\/stories\/rbl-bank-can-open-bank-accounts-for-16-crore-zerodha-customers\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/trak.in\/stories\/"},{"@type":"ListItem","position":2,"name":"RBL Bank Can Open Bank Accounts For 16 Crore Zerodha Customers"}]},{"@type":"WebSite","@id":"https:\/\/trak.in\/stories\/#website","url":"https:\/\/trak.in\/stories\/","name":"Trak.in - Indian Business of Tech, Mobile &amp; Startups","description":"Trak.in is a popular Indian Business, Technology, Mobile &amp; Startup blog featuring trending News, views and analytical take on Technology, Business, Finance, Telecom, Mobile, startups &amp; Social Media Space","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/trak.in\/stories\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/trak.in\/stories\/#\/schema\/person\/5092a7d2906e3f3c819643435477c2a7","name":"Mohul Ghosh","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/trak.in\/stories\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/66c129d83dd3f325a3b550eb1aa16891173ddfc4686361424206cd9a01311c89?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/66c129d83dd3f325a3b550eb1aa16891173ddfc4686361424206cd9a01311c89?s=96&d=mm&r=g","caption":"Mohul Ghosh"},"url":"https:\/\/trak.in\/stories\/author\/mohul-ghosh\/"}]}},"jetpack_featured_media_url":"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/10\/Screenshot-2025-10-26-at-9.48.27-AM.png","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/posts\/1301782","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/users\/30"}],"replies":[{"embeddable":true,"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/comments?post=1301782"}],"version-history":[{"count":1,"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/posts\/1301782\/revisions"}],"predecessor-version":[{"id":1301807,"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/posts\/1301782\/revisions\/1301807"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/media\/1301806"}],"wp:attachment":[{"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/media?parent=1301782"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/categories?post=1301782"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/tags?post=1301782"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}