State Bank of India Share Price, Fundamentals and Financials
Track State Bank of India live share price, 52 week high and low, chart views, fundamentals, financial statements, ratios, peers, dividends and company details.
₹1,027.40
+₹2.10 · +0.20%
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Quick Fundamentals
About State Bank of India
State Bank of India is a public-sector banking and financial services group with a nationwide branch, ATM and digital distribution network. It serves individuals, businesses, farmers, small enterprises, large companies, institutions and government entities in India and selected international markets.
The bank’s earnings are driven by loan growth, deposit mobilisation, net interest margin, fee income, treasury performance, operating efficiency and credit costs. Its subsidiaries and joint ventures operate in life insurance, general insurance, credit cards, mutual funds, securities, pensions and other financial services.
Business segments and investor focus
Important business areas include retail banking, corporate and wholesale banking, treasury, international banking, agriculture, SME finance and subsidiaries. Investors commonly track deposits, CASA, advances, asset quality, provisions, capital adequacy, return ratios and subsidiary value.
Business Model
SBI accepts deposits from customers and lends those funds to retail, agriculture, SME, corporate and institutional borrowers. The difference between interest earned on loans and investments and interest paid on deposits and borrowings is a core source of income.
The bank also earns fees from cards, payments, transaction banking, loan processing, distribution of insurance and investments, treasury operations, foreign exchange, investment banking and digital services. Scale, low-cost deposits, asset quality, operating efficiency and capital strength are central to the model.
Profit and Loss
| Particulars | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|
| Total Income | ₹4,73,378 Cr | ₹5,94,574 Cr | ₹6,99,798 Cr |
| Interest Earned | ₹3,44,847 Cr | ₹4,39,189 Cr | ₹5,20,640 Cr |
| Net Interest Income | ₹1,44,841 Cr | ₹1,59,876 Cr | ₹1,66,965 Cr |
| Operating Profit | ₹83,713 Cr | ₹93,797 Cr | ₹1,10,579 Cr |
| Net Profit | ₹55,648 Cr | ₹61,077 Cr | ₹70,901 Cr |
| EPS | ₹62.35 | ₹68.44 | ₹79.45 |
| Dividend Payout | 18% | 20% | 20% |
Verify the latest audited or quarterly financial figures from company, BSE and NSE filings.
Balance Sheet
| Particulars | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|
| Equity Capital | ₹892 Cr | ₹892 Cr | ₹892 Cr |
| Reserves and Surplus | ₹3,46,520 Cr | ₹3,88,646 Cr | ₹4,36,145 Cr |
| Deposits | ₹44,23,778 Cr | ₹49,16,077 Cr | ₹53,82,190 Cr |
| Borrowings | ₹5,86,045 Cr | ₹6,19,331 Cr | ₹6,84,295 Cr |
| Other Liabilities | ₹4,36,678 Cr | ₹4,91,037 Cr | ₹5,40,921 Cr |
| Total Liabilities | ₹57,93,913 Cr | ₹64,16,978 Cr | ₹70,44,443 Cr |
| Cash and Balances with RBI | ₹2,74,680 Cr | ₹3,11,112 Cr | ₹3,35,486 Cr |
| Investments | ₹15,74,451 Cr | ₹17,17,192 Cr | ₹18,42,714 Cr |
| Advances | ₹32,69,242 Cr | ₹37,04,971 Cr | ₹42,20,171 Cr |
| Other Assets | ₹6,75,540 Cr | ₹6,82,725 Cr | ₹8,46,072 Cr |
Check balance-sheet figures against the latest official financial statements.
Cash Flow
| Particulars | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|
| Cash from Operating Activity | ₹1,34,597 Cr | ₹1,82,311 Cr | ₹2,04,779 Cr |
| Cash from Investing Activity | -₹18,744 Cr | -₹21,306 Cr | -₹25,118 Cr |
| Cash from Financing Activity | -₹28,116 Cr | -₹35,874 Cr | -₹42,601 Cr |
| Net Cash Flow | ₹87,737 Cr | ₹1,25,131 Cr | ₹1,37,060 Cr |
| Gross NPA Ratio | 2.78% | 2.24% | 1.82% |
| Net NPA Ratio | 0.67% | 0.57% | 0.47% |
Bank cash flow can move sharply with deposits, advances, investments and borrowings; verify the latest filing.
Key Ratios
| Metric | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|
| Net Interest Margin | 3.37% | 3.43% | 3.22% |
| Return on Assets | 0.96% | 1.04% | 1.10% |
| Return on Equity | 16.96% | 17.59% | 18.25% |
| Capital Adequacy Ratio | 14.68% | 14.28% | 14.50% |
| CASA Ratio | 43.80% | 41.11% | 39.97% |
| Dividend Payout | 18% | 20% | 20% |
Peer Comparison
| Company | Business Focus | Key Comparison Metric | Investor Monitorable |
|---|---|---|---|
| State Bank of India | Diversified public-sector bank | Scale, ROA and price-to-book | Loan growth, NIM, asset quality and capital |
| HDFC Bank Ltd | Large private-sector bank | Deposit franchise and valuation | Deposit growth, NIM and merger integration |
| ICICI Bank Ltd | Large private-sector bank | ROA, ROE and asset quality | Credit growth and margin stability |
| Bank of Baroda | Large public-sector bank | Valuation and improving returns | Asset quality, margins and capital |
| Punjab National Bank | Public-sector bank | Turnaround and valuation | Credit costs, capital and profitability |
| Axis Bank Ltd | Large private-sector bank | Retail franchise and ROE | Deposit growth, costs and asset quality |
Dividends and Bonuses / Splits
| Year | Dividend Detail | Note |
|---|---|---|
| FY 2024-25 | Dividend declared for the financial year | Verify amount, record date and payment date from official filings |
| FY 2023-24 | Dividend paid from annual profits | Confirm final entitlement in exchange announcements |
| Earlier years | Regular dividend history | Past dividends do not guarantee future payouts |
| Action | Detail | Note |
|---|---|---|
| Bonus Issue | No current claim made on this page | Verify complete bonus history from official exchange filings |
| Face Value | ₹1 per equity share in recent exchange records | Confirm the latest face value from NSE or BSE |
| Stock Split | No current claim made on this page | Verify split history and effective dates from official filings |
Verify all dividend, bonus, split and record-date details from official exchange filings before relying on them.
State Bank of India customer and investor FAQs
These FAQs explain banking products, business model, financial monitorables, risks, dividends and investor questions.
What is State Bank of India and what services does it offer?
State Bank of India is India’s largest public-sector bank by scale. It offers savings and current accounts, deposits, loans, cards, payments, digital banking, wealth products, SME and corporate banking, agriculture finance and international banking services.
How does State Bank of India make money?
SBI primarily earns interest by lending customer deposits and other borrowed funds. It also earns fees from cards, payments, distribution, treasury, foreign exchange, investment banking and other financial services.
What are SBI’s main business segments?
Major segments include retail banking, corporate and wholesale banking, treasury, international banking, agriculture and SME banking, and other banking operations. Subsidiaries add insurance, cards, mutual funds, securities and related services.
Is SBI owned by the Government of India?
Yes. The Government of India is SBI’s promoter and majority shareholder. Investors should verify the latest promoter holding from official quarterly shareholding filings.
What products does SBI offer retail customers?
Retail products include savings accounts, fixed deposits, home loans, personal loans, vehicle loans, education loans, gold loans, cards, UPI, internet banking, YONO and investment or insurance distribution services.
What should investors monitor in SBI results?
Important monitorables include loan and deposit growth, CASA ratio, net interest margin, gross and net NPA ratios, credit costs, provisions, capital adequacy, return on assets, return on equity and subsidiary performance.
What are the main risks in SBI shares?
Key risks include economic slowdown, higher credit losses, margin pressure, deposit competition, interest-rate changes, capital requirements, regulatory changes, technology or cyber risks and government-linked policy considerations.
How do SBI subsidiaries add value?
SBI has interests in life insurance, general insurance, credit cards, mutual funds, securities, pensions and other financial services. Their earnings, market value and distributions can contribute to the group’s overall value.
Does SBI pay dividends?
SBI has paid dividends in the past, but future payouts depend on profits, capital needs, regulatory requirements and board approval. Verify the latest amount and record date from official filings.
Has SBI announced bonus shares or stock splits?
Corporate-action history should be checked directly from NSE, BSE and SBI filings before relying on any summary.
How should beginners compare SBI with other banks?
Compare loan and deposit growth, NIM, CASA, asset quality, credit cost, capital adequacy, ROA, ROE, subsidiary value and valuation measures such as P/E and price-to-book.
Is SBI share price information on this page real time?
The page uses the latest available Yahoo Finance-compatible market feed and may be delayed. Confirm executable prices with NSE, BSE or a regulated broker.
Is this a buy or sell recommendation?
No. This page is educational and does not provide a buy, sell or hold recommendation.