Track the live share price, 52 week range, interactive chart, credit card business, receivables, asset quality, financial highlights, ratios, peers, dividends and customer FAQs.
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SBI Card earns interest from customers who carry eligible balances, along with interchange and spend-based income, annual and joining fees, processing charges, subscription income and other permitted card-related fees.
It funds card receivables through borrowings and capital. Profitability therefore depends on receivables growth, lending yield, cost of funds, operating efficiency, reward and acquisition costs, delinquencies, write-offs and provisions.
Customers should read the most recent cardholder agreement, schedule of charges, reward terms and official communications before applying for or using a credit card.
| Particulars | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|
| Total Income | ₹13,667 Cr | ₹17,484 Cr | ₹18,637 Cr |
| Revenue from Operations | ₹13,204 Cr | ₹16,872 Cr | ₹17,997 Cr |
| Interest Cost | ₹2,060 Cr | ₹2,603 Cr | ₹3,176 Cr |
| Operating and Other Costs | ₹6,518 Cr | ₹5,960 Cr | ₹6,637 Cr |
| Impairment and Credit Costs | ₹2,075 Cr | ₹3,232 Cr | ₹4,872 Cr |
| Profit Before Tax | ₹3,014 Cr | ₹3,232 Cr | ₹2,581 Cr |
| Profit After Tax | ₹2,258 Cr | ₹2,408 Cr | ₹1,916 Cr |
| EPS | ₹23.81 | ₹25.34 | ₹20.13 |
Verify current audited figures and classifications from official results.
| Particulars | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|
| Equity Capital | ₹948 Cr | ₹950 Cr | ₹951 Cr |
| Reserves and Surplus | ₹8,496 Cr | ₹10,923 Cr | ₹12,902 Cr |
| Borrowings | ₹36,549 Cr | ₹45,299 Cr | ₹49,349 Cr |
| Card Receivables / Advances | ₹40,722 Cr | ₹50,846 Cr | ₹55,840 Cr |
| Net Advances | Verify filing | Verify filing | ₹53,935 Cr |
| Total Assets | ₹46,267 Cr | ₹58,286 Cr | ₹65,546 Cr |
Verify current audited figures from official filings.
| Particulars | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|
| Operating Activity | -₹7,344 Cr | -₹9,836 Cr | -₹5,313 Cr |
| Investing Activity | -₹278 Cr | -₹396 Cr | -₹555 Cr |
| Financing Activity | ₹7,806 Cr | ₹10,199 Cr | ₹6,409 Cr |
| Net Cash Flow | ₹184 Cr | -₹33 Cr | ₹541 Cr |
| Business Volume | Retail spends growth | Cards-in-force growth | Receivables growth |
NBFC operating cash flow should be read with loan-book growth and financing cash flow.
| Metric | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|
| Return on Average Assets | 5.6% | 4.7% | 3.4% |
| Return on Average Equity | 25.3% | 21.7% | 15.5% |
| Capital Adequacy Ratio | 23.1% | 20.5% | 22.9% |
| Gross NPA / Stage 3 | 2.35% | 2.76% | 3.08% |
| Net NPA / Stage 3 | 0.87% | 0.99% | 1.46% |
| Cost to Income | 58.9% | 56.2% | Verify filing |
Verify the latest ratios and definitions from official filings.
| Company | Primary Business | Comparison Focus |
|---|---|---|
| SBI Cards and Payment Services Ltd | Pure-play credit card issuer | Cards, spends, receivables, asset quality and return ratios |
| HDFC Bank Ltd | Bank-led credit card franchise | Card market share, spends and cross-sell strength |
| ICICI Bank Ltd | Bank-led credit card franchise | Card growth, digital payments and asset quality |
| Axis Bank Ltd | Bank-led credit card franchise | Cards-in-force, spends and credit costs |
| RBL Bank Ltd | Bank with material cards business | Card partnership exposure and credit costs |
Peer business mixes differ. Verify current valuation and asset-quality data.
| Year | Dividend Detail | Note |
|---|---|---|
| FY 2025-26 | ₹2.50 interim dividend per share | Record date March 11, 2026; verify exchange filing |
| FY 2024-25 | ₹2.50 interim dividend per share | Record date February 25, 2025; verify exchange filing |
| FY 2023-24 | ₹2.50 interim dividend per share | Verify declaration and entitlement |
| Action | Detail | Note |
|---|---|---|
| Bonus Issue | No bonus issue included | Verify complete NSE/BSE corporate-action history |
| Face Value | ₹10.00 | Verify latest exchange quote |
| Stock Split | No stock split included | Verify complete NSE/BSE corporate-action history |
Verify dividends, bonuses, splits, face value, record dates and other corporate actions through official exchange filings.
SBI Card is a non-banking financial company focused on issuing and servicing credit cards for individual and corporate customers.
No. SBI Cards and Payment Services Limited is a separately listed company, while State Bank of India is its promoter and majority shareholder.
Its portfolio includes lifestyle, rewards, cashback, travel, fuel, premium, co-branded, banking-partnership and corporate cards. Product terms change, so customers should check current official documentation.
Revenue comes mainly from cardholder interest, interchange and spend-based income, fees, subscriptions, late-payment and other charges, subject to applicable regulations and product terms.
Applications may be submitted through official SBI Card channels, selected State Bank of India channels and authorised partners. Approval depends on eligibility, KYC, income, credit history and internal policy.
Check joining and annual fees, finance charges, late fees, cash withdrawal charges, foreign currency markup, reward exclusions, taxes and waiver conditions.
Official payment options can include the SBI Card app or website, NEFT, UPI, auto-debit, YONO, debit card and supported bill-payment channels. Verify current modes and processing timelines.
Block or temporarily lock the card immediately through official channels, report the transaction, preserve evidence and follow the company grievance process. Never share OTP, PIN, CVV or passwords.
Risks include credit costs, delinquencies, funding costs, regulation, intense competition, lower customer spending, fraud, cyber incidents and changes in payment behaviour.
Monitor cards-in-force, new accounts, customer spends, receivables, revolving balances, yield, funding cost, net interest margin, credit cost, GNPA, NNPA, capital adequacy and return ratios.
SBI Card has declared interim dividends, including ₹2.50 per share for FY2025-26. Verify every amount, record date and entitlement from official exchange filings.
No bonus or split is assumed on this page. Verify the latest corporate-action history through NSE, BSE and the company investor-relations website.
The NSE symbol is SBICARD, the BSE security code is 543066 and the Yahoo Finance-compatible NSE symbol is SBICARD.NS.
Use audited annual reports, quarterly results, investor presentations and NSE or BSE filings as primary sources.
