Nifty
:
25114.00
Sensex
:
81904.70
108.50 (0.43%)
355.97 (0.44%)
Nifty
Sensex
:
:
25114.00
81904.70
108.50 (0.43%)
355.97 (0.44%)

State Bank Of India

Bank - Public

Rating :
64/99

BSE: 500112 | NSE: SBIN

NSE BSE
823.55
12-Sep-2025
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  824.1
  •  825.8
  •  819.8
  •  823.65
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  5078018
  •  4178428627.05
  •  875.45
  •  680

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 7,59,956.75
  • 9.57
  • 1
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 11,43,328.83
  • 1.93%
  • 1.47

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 57.42%
  • 0.54%
  • 6.54%
  • FII
  • DII
  • Others
  • 9.32%
  • 23.64%
  • 2.54%

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 6.66
  • -2.36
  • 6.97

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 20.33
  • 27.25
  • 11.78

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 1.54
  • 1.63

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 10.73
  • 10.76
  • 9.90

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 1.40
  • 1.54
  • 1.63

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 7.96
  • 8.24
  • 8.93

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Jun 25
Jun 24
Var%
Mar 25
Mar 24
Var%
Dec 24
Dec 23
Var%
Sep 24
Sep 23
Var%
Interest Earned
1,25,728.68
1,18,242.45
6.33%
1,26,997.00
1,17,469.38
8.11%
1,24,653.66
1,12,868.34
10.44%
1,21,044.68
1,07,390.78
12.71%
Interest Exp.
78,266.46
71,700.78
9.16%
78,227.05
70,644.02
10.73%
77,396.74
68,091.94
13.67%
73,618.76
62,955.15
16.94%
Net Interest Income
47,462.22
46,541.67
1.98%
48,769.95
46,825.36
4.15%
47,256.92
44,776.40
5.54%
47,425.92
44,435.63
6.73%
NIM
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Other Income
41,263.14
33,882.60
21.78%
52,565.32
47,444.98
10.79%
43,199.91
40,203.30
7.45%
42,757.70
36,865.34
15.98%
Total Income
1,66,991.82
1,52,125.05
9.77%
1,79,562.32
1,64,914.36
8.88%
1,67,853.57
1,53,071.64
9.66%
1,63,802.38
1,44,256.12
13.55%
Operating Exp.
54,232.70
49,588.88
9.36%
66,968.93
63,026.95
6.25%
62,892.24
61,189.62
2.78%
57,123.47
58,597.64
-2.52%
Operating Profit
34,492.66
30,835.39
11.86%
34,366.34
31,243.39
10.00%
27,564.59
23,790.08
15.87%
33,060.15
22,703.33
45.62%
Provision
5,263.54
4,407.62
19.42%
7,469.52
2,391.53
212.33%
1,998.19
1,445.25
38.26%
5,585.84
767.62
627.68%
PBT
29,229.12
26,427.77
10.60%
26,896.82
28,851.86
-6.78%
25,566.40
15,244.83
67.71%
27,474.31
21,935.71
25.25%
PBTM
23.25
22.35
4.03%
21.18
24.56
-13.76%
20.51
13.51
51.81%
22.70
20.43
11.11%
TAX
7,602.48
6,746.97
12.68%
6,955.43
7,115.39
-2.25%
6,391.05
3,962.17
61.30%
7,254.69
5,552.53
30.66%
PAT
21,626.64
19,680.80
9.89%
19,941.39
21,736.47
-8.26%
19,175.35
11,282.66
69.95%
20,219.62
16,383.18
23.42%
PATM
17.20%
16.64%
15.70%
18.50%
15.38%
10.00%
16.70%
15.26%
EPS
24.45
22.25
9.89%
22.54
24.57
-8.26%
21.67
12.75
69.96%
22.85
18.52
23.38%
Gross NPA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Gross NPA%
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Net NPA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Net NPA%
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
CASA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Net Interest Income
1,90,915.01
1,89,994.45
1,79,452.46
1,60,863.76
1,33,778.35
1,22,105.31
1,08,727.86
97,454.71
82,367.30
81,332.43
77,585.39
Interest Earned
4,98,424.02
4,90,937.79
4,39,188.51
3,50,844.58
2,89,972.69
2,78,115.48
2,69,851.66
2,53,322.17
2,28,970.28
2,30,447.10
2,20,632.75
Interest Expended
3,07,509.01
3,00,943.34
2,59,736.05
1,89,980.82
1,56,194.34
1,56,010.17
1,61,123.80
1,55,867.46
1,46,602.98
1,49,114.67
1,43,047.36
Int. income Growth
4.57%
5.87%
11.56%
20.25%
9.56%
12.30%
11.57%
18.32%
1.27%
4.83%
 
Other Income
1,79,786.07
1,72,405.53
1,55,386.39
1,22,533.56
1,17,000.40
1,07,222.41
98,158.99
77,365.19
77,557.39
68,193.17
52,828.39
Total Income
6,78,210.09
3,62,399.98
3,34,838.85
2,83,397.32
2,50,778.75
2,29,327.72
2,06,886.85
1,74,819.90
1,59,924.69
1,49,525.60
1,30,413.78
Total Expenditure
2,41,217.34
2,52,067.69
2,39,845.41
2,04,354.24
1,97,390.49
1,92,845.48
1,73,203.73
1,65,410.68
1,69,064.10
1,45,669.74
1,12,232.92
Employee Cost
-
70,395.70
83,671.19
61,920.91
61,445.13
54,330.83
48,850.54
43,795.01
35,410.62
35,691.21
32,525.60
% Of Sales
-
14.34%
19.05%
17.65%
21.19%
19.54%
18.10%
17.29%
15.47%
15.49%
14.74%
Opt. & Establishment Exp.
-
1,70,134.63
1,55,985.85
1,31,538.36
1,16,570.98
99,772.19
86,562.46
74,485.27
63,838.29
54,509.71
41,785.63
% Of Sales
-
34.66%
35.52%
37.49%
40.20%
35.87%
32.08%
29.40%
27.88%
23.65%
18.94%
Provisions
-
19,451.00
7,714.79
18,184.55
26,679.74
46,089.32
45,053.61
54,090.34
76,003.97
61,290.88
37,929.81
% Of Sales
-
3.96%
1.76%
5.18%
9.20%
16.57%
16.70%
21.35%
33.19%
26.60%
17.19%
EBITDA
1,29,483.74
1,10,332.29
94,993.44
79,043.08
53,388.26
36,482.24
33,683.12
9,409.22
-9,139.41
3,855.86
18,180.86
EBITDA Margin
51.60%
58.07%
52.94%
49.14%
39.91%
29.88%
30.98%
9.65%
-11.10%
4.74%
23.43%
Depreciation
0.00
3,956.82
3,763.21
3,644.79
3,652.68
3,673.43
3,631.44
3,479.97
3,094.39
2,911.03
4.06
PBT
1,09,166.65
1,06,375.46
91,230.23
75,398.29
49,735.58
32,808.81
30,051.68
5,929.25
-12,233.80
944.83
18,176.79
Exceptional Inc./Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provision for Tax
28,203.65
27,358.31
23,091.97
18,839.86
13,379.41
8,529.09
11,874.85
2,860.18
-8,046.39
1,335.50
5,433.50
Tax Rate
25.84%
25.72%
25.31%
24.99%
26.90%
26.00%
39.51%
48.24%
65.77%
141.35%
29.89%
PAT
77,851.20
76,055.86
65,679.51
54,456.72
34,546.87
22,797.36
16,804.66
2,018.16
-4,994.45
-52.05
11,948.78
PAT before Minority Interest
80,963.00
79,017.15
68,138.26
56,558.43
36,356.17
24,279.72
18,176.83
3,069.07
-4,187.41
-390.67
12,743.29
Minority Interest
-3,111.80
-2,961.29
-2,458.75
-2,101.71
-1,809.30
-1,482.36
-1,372.17
-1,050.91
-807.04
338.62
-794.51
PAT Margin
21.00%
20.99%
19.62%
19.22%
13.78%
9.94%
8.12%
1.15%
-3.12%
-0.03%
9.16%
PAT Growth
17.20%
15.80%
20.61%
57.63%
51.54%
35.66%
732.67%
0
0
-100.44%
 
EPS
91.51
85.97
74.24
61.55
39.05
25.77
18.99
2.28
-5.65
-0.06
13.51

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Shareholder's Funds
4,87,036.76
4,14,939.17
3,58,931.32
3,05,588.05
2,75,561.56
2,51,060.12
2,34,495.66
2,30,321.95
2,17,192.15
1,80,592.37
Share Capital
892.46
892.46
892.46
892.46
892.46
892.46
892.46
892.46
797.35
776.28
Total Reserves
4,86,144.30
4,14,046.71
3,58,038.86
3,04,695.58
2,74,669.10
2,50,167.66
2,33,603.20
2,29,429.49
2,16,394.80
1,79,816.09
Minority Interest
18,025.84
15,617.96
12,836.62
11,207.42
9,625.92
7,943.82
6,036.99
4,615.25
6,480.65
6,267.40
Deposits
54,39,898.02
49,66,537.49
44,68,535.51
40,87,410.60
37,15,331.24
32,74,160.63
29,40,541.06
27,22,178.28
25,99,810.66
22,53,857.56
Borrowings
6,10,857.24
6,39,609.50
5,21,151.95
4,49,159.78
4,33,796.21
3,32,900.67
4,13,747.66
3,69,079.34
3,36,365.66
3,61,399.39
Other Liabilities & Provisions
7,58,367.48
6,97,074.68
5,92,962.92
5,07,517.68
4,11,303.62
3,31,427.10
2,93,642.82
2,90,249.75
2,85,272.44
2,71,366.42
Total Liabilities
73,14,185.34
67,33,778.80
59,54,418.32
53,60,883.53
48,45,618.55
41,97,492.34
38,88,464.19
36,16,444.57
34,45,121.56
30,73,483.14
Net Block
45,763.48
44,137.29
44,023.81
39,229.50
39,698.61
39,608.41
39,940.76
40,300.72
50,250.53
14,474.69
Gross Block
88,121.76
83,621.02
80,629.14
72,936.73
70,410.21
67,355.94
64,941.50
62,702.55
70,737.83
32,374.49
Accumulated Depreciation
42,358.28
39,483.73
36,605.33
33,707.23
30,711.61
27,747.53
25,000.74
22,401.83
20,487.31
17,899.80
Total Non-Current Assets
68,60,702.50
62,66,101.39
55,43,729.28
50,08,981.05
44,83,573.09
38,96,988.89
36,12,338.81
33,80,427.68
32,48,305.59
28,97,450.63
Lease Adjustment A/c
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-4.70
-4.70
Capital Work in Progress
574.22
570.89
383.57
280.53
468.18
469.76
762.30
925.07
694.92
785.70
Cash and balance with RBI
2,27,485.16
2,25,356.34
2,47,321.05
3,18,492.43
2,13,498.62
1,66,968.46
1,77,362.74
1,50,769.46
1,61,018.61
1,60,424.57
Balance with banks and money at call
1,30,447.79
1,01,215.97
70,990.86
80,412.69
1,34,208.42
87,346.80
48,149.52
44,519.65
1,12,178.54
44,134.90
Investments
22,05,601.11
21,10,548.23
19,13,107.86
17,76,489.90
15,95,100.27
12,28,284.28
11,19,269.82
11,83,794.24
10,27,280.87
8,07,374.58
Advances
42,50,830.74
37,84,272.67
32,67,902.13
27,94,076.00
25,00,598.99
23,74,311.18
22,26,853.67
19,60,118.54
18,96,886.82
18,70,260.89
Other Assets
4,53,482.86
4,67,677.42
4,10,689.04
3,51,902.48
3,62,045.47
3,00,503.45
2,76,125.40
2,36,016.89
1,96,815.98
1,76,032.52
Total Assets
73,14,185.36
67,33,778.81
59,54,418.32
53,60,883.53
48,45,618.56
41,97,492.34
38,88,464.21
36,16,444.57
34,45,121.57
30,73,483.15
Contingent Liabilities
26,78,111.54
23,97,594.80
18,35,524.38
20,07,232.49
17,14,239.52
12,21,083.11
11,21,246.28
11,66,334.80
11,84,907.82
11,84,201.34
Bills for collection
64,472.56
67,823.23
64,571.94
77,783.06
56,557.64
55,790.70
70,047.23
74,060.22
1,55,454.12
1,06,611.68
Adjusted Book Value
515.07
434.06
371.08
316.22
282.35
254.69
235.13
230.23
227.75
230.87

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Cash From Operating Activity
48,486.29
21,632.43
-86,013.68
57,694.85
89,918.93
23,928.53
29,556.01
-96,507.91
77,406.00
14,476.68
PBT
1,04,909.48
90,186.45
74,488.30
48,756.34
30,921.71
31,907.56
4,451.06
-12,613.79
1,576.74
17,658.09
Adjustment
28,705.54
14,937.32
32,181.13
35,578.03
54,812.31
44,835.25
63,913.98
79,238.01
67,661.24
44,857.42
Adjustments for Liabilities & Assets
-51,367.28
-52,223.06
-1,75,359.39
-17,615.23
8,004.41
-37,954.79
-30,633.80
-1,55,121.70
9,545.95
-38,540.40
Refund/(Payment) of direct taxes
-33,761.45
-31,268.27
-17,323.72
-9,024.30
-3,819.49
-14,859.49
-8,175.23
-8,010.42
-1,377.93
-9,498.43
Other Direct Payments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
-5,634.74
-4,251.72
-4,040.97
-3,618.51
-3,736.23
-3,323.69
-856.77
11,065.77
-2,832.12
-3,668.56
Net Fixed Assets
-4102.84
-2987.59
-7328.62
-2019.58
-2614.68
-1636.20
-1487.19
-2716.41
-34635.68
-2298.08
Other Investment Activity
-87536.41
-83222.82
-79812.77
-72601.87
-70169.75
-65088.15
-51529.41
-63940.11
-62060.14
-27186.31
Cash from Financing Activity
-13,739.08
-9,896.28
6,386.38
-3,844.51
7,142.67
5,429.52
447.64
5,547.16
-4,196.48
4,348.45
Closing Cash & Equivalent
3,57,932.94
3,26,572.30
3,18,311.91
3,98,905.12
3,47,707.04
2,54,315.26
2,25,512.26
1,95,289.11
2,73,197.16
2,04,559.47
Net Cash Inflow / Outflow
29,112.47
7,484.44
-83,668.27
50,231.82
93,325.37
26,034.36
29,146.87
-79,894.98
70,377.40
15,156.57
Opening Cash & Equivalents
3,26,572.30
3,18,311.91
3,98,905.12
3,47,707.04
2,54,315.26
2,25,512.26
1,95,289.11
2,73,197.16
2,04,559.47
1,88,481.05

Financial Ratios

Consolidated /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Book Value
515.07
434.06
371.08
316.22
282.35
254.69
235.13
230.23
227.75
230.87
NIM
2.79
2.88
2.93
2.69
2.75
2.82
2.73
2.47
2.54
2.69
Yield on Advances
11.55
11.61
10.74
10.38
11.12
11.37
11.38
11.68
12.15
11.80
Yield on Investments
6.50
6.22
5.85
5.62
5.93
6.84
7.52
7.54
7.59
7.79
Cost of Liabilities
4.97
4.63
3.81
3.44
3.76
4.47
4.65
4.74
5.08
5.47
Interest Spread
6.58
6.97
6.93
6.94
7.36
6.90
6.73
6.94
7.07
6.33
ROCE
13.76%
13.20%
12.46%
8.77%
7.08%
6.99%
3.35%
-0.30%
2.06%
6.08%
Cost Income Ratio
65.28
70.45
66.98
69.53
65.60
63.70
65.67
60.12
58.38
56.98
Core Cost Income Ratio
68.58
73.47
67.03
71.21
67.81
66.66
66.35
65.47
64.30
59.87
Operating Costs to Assets
3.23
3.50
3.19
3.25
3.10
3.14
2.95
2.66
2.53
2.42
Loans/Deposits
0.11
0.13
0.12
0.11
0.12
0.10
0.14
0.14
0.13
0.16
Cash/Deposits
0.04
0.05
0.06
0.08
0.06
0.05
0.06
0.06
0.06
0.07
Investment/Deposits
0.41
0.43
0.43
0.43
0.43
0.38
0.38
0.43
0.40
0.36
Inc Loan/Deposits
11.23%
12.88%
11.66%
10.99%
11.68%
10.17%
14.07%
13.56%
12.94%
16.03%
Credit Deposits
78.14%
76.20%
73.13%
68.36%
67.30%
72.52%
75.73%
72.01%
72.96%
82.98%
Interest Expended / Interest earned
61.30%
59.14%
54.15%
53.87%
56.10%
59.71%
61.53%
64.03%
64.71%
64.84%
Interest income / Total funds
6.71%
6.52%
5.89%
5.41%
5.74%
6.43%
6.51%
6.33%
6.69%
7.18%
Interest Expended / Total funds
4.11%
3.86%
3.19%
2.91%
3.22%
3.84%
4.01%
4.05%
4.33%
4.65%
CASA
38.77%
39.93%
42.67%
44.52%
45.40%
44.17%
44.55%
44.46%
43.70%
40.62%

Annual Reports:

FY 2025
FY 2024
FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017
FY 2016

News Update:


  • SBI joins hands with VinFast Auto India
    25th Aug 2025, 12:28 PM

    The agreement aims to offer a seamless suite of credit solutions ahead of the electric automaker's first product rollout in the country

    Read More
  • SBI sets up Centre of Excellence for MSMEs
    22nd Aug 2025, 12:09 PM

    This collaborative model will ensure that the centre's initiatives remain relevant, impactful, and aligned with the needs of the sector

    Read More
  • SBI launches special loan scheme for Agniveers
    14th Aug 2025, 16:59 PM

    Agniveers with a salary account at SBI can avail loans up to Rs 4 lakh without any collateral and with a complete waiver of processing fee

    Read More
  • State Bank of India reports 10% rise in Q1 consolidated net profit
    8th Aug 2025, 16:59 PM

    The total consolidated income of the bank increased by 9.77% at Rs 1,66,991.82 crore for Q1FY26

    Read More
  • SBI - Quarterly Results
    8th Aug 2025, 12:00 AM

    Read More
  • SBI gets nod to raise Rs 20,000 crore via Bonds during FY26
    16th Jul 2025, 14:51 PM

    The Central Board of the Bank in its meeting held on July 16, 2025, inter alia, has accorded approval for the same

    Read More
  • SBI divests entire shareholding in Jio Payments Bank
    19th Jun 2025, 10:21 AM

    Post conclusion of the transaction, the Bank’s shareholding in JPBL has been reduced to nil

    Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.