State Bank of India profitability ratios

Profitability Growth Asset quality Capital Dividend yield

Per cent unless marked ×

Tap a line for its trend	Last 12Mto Jun 2026	FY26Mar 2026	FY25Mar 2025	FY24Mar 2024	FY23Mar 2023	FY22 and earlierAlpha Plus

Margins & efficiency
Returns						FY22 and earlierEvery year the company has filed comes with Alpha Plus.
	15.4%	15.4%	17.2%	17.3%	16.8%
	1.1%	1.1%	1.1%	1.1%	1.0%
	2.6%	2.6%	2.7%	2.8%	2.8%
	66.1%	66.1%	65.3%	70.5%	67.0%
	0.5%	0.5%	0.5%	0.2%	0.6%
	3.4%	3.4%	3.4%	3.7%	3.4%
	27.7%	27.7%	26.0%	26.1%	25.9%
	82.4%	82.4%	78.1%	76.2%	73.1%
Additional
	25.1%	25.7%	26.1%	25.6%	25.3%
	—	17.0%	15.8%	15.0%	11.4%

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From the company's filings with NSE and BSE (Ind-AS), consolidated. For information only, not investment advice.

alphave

SBIN₹955.65

State Bank of India

· Banking & Finance

₹ CrorePeersHDFCBANK ICICIBANK BANKBARODA AXISBANK KOTAKBANK BAJAJFINSV BAJFINANCE HDFCLIFEMcap ₹8.82L Cr

Profitability Growth Asset Quality Capital Yield Analysis

Ratios — % unless marked × 12 Months Ending	FY23 31/03/2023	FY24 31/03/2024	FY25 31/03/2025	FY26 31/03/2026	Last 12M 30/06/2026
Returns
Return on Common Equity	16.75	17.34	17.20	15.38	15.38
Return on Assets	0.98	1.06	1.10	1.07	1.07
Margins & Efficiency
Net Interest Margin (on assets)	2.84	2.83	2.70	2.56	2.56
Cost to Income	66.98	70.45	65.28	66.05	66.05
Credit Cost (provisions / avg advances)	0.60	0.22	0.48	0.45	0.45
Operating Expenses / Avg Assets	3.36	3.72	3.37	3.36	3.36
Other Income Share of Total Income	25.88	26.13	25.99	27.74	27.74
Credit-Deposit Ratio	73.13	76.20	78.14	82.38	82.38
Additional
Effective Tax Rate	25.29	25.62	26.07	25.73	25.12
Dvd Payout Ratio	11.39	15.03	15.76	17.04	—

No consensus estimates → no Est columns. Click any row to chart it.

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Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 239%.