RBL Bank on Monday said it doesn't see any pain due to exposure to Essel Group companies but the bank is very strong in terms of risk underwriting and standards.

"Some of Essel's portfolios have all been made in terms of normal prudential lending standard with the banks based on operating cash flows and operating assets. However, at this moment we are satisfied with the way things are and it’s more the capital market side where the impact is coming at the moment," said Vishwavir Ahuja, MD and CEO, RBL Bank.

RBL Bank reported a rise of 36 percent in net profit at Rs 225.20 crore for December quarter 2018-19 on healthy margins and decline in bad loan proportion.

The private sector lender had registered a net profit of Rs 165.30 crore in October-December period of the previous financial year.

Total income increased 42 percent to Rs 1,029.20 crore as against Rs 725.50 crore in December quarter of 2017, the bank said in a statement.

Net interest income was up 40 percent to Rs 655.10 crore during December quarter 2018 as against Rs 467.30 crore in the year-ago period.

Ahuja said the business mix is moving towards retail and it is growing faster.

Cars, micro banking, loan against properties are the faster-growing businesses for us at the higher margins itself. So the margin effect is driven from there,” he said.