RBL Bank stock rises 3.7% to 248.27 rupees, nearing a one-year high as Citi upgrades price target to 285 rupees, citing ROA improvement and lower slippage, with YTD gains at 57%.

• Citi initiates 90-day catalyst watch, raises RATB price target to 285 rupees from 230, signaling 15.4% upside.
• Analysts predict a 45-50 bps ROA boost from credit cost normalization, with Q1 slippage expected to drop to 4.5% from 4.7%.
• Average rating remains 'buy' with median price target at 220 rupees, despite the stock hitting 57% year-to-date gains.