| Scrip code | 500112 |
|---|---|
| NSE Symbol | SBIN |
| MSEI Symbol | 0 |
| ISIN | INE062A01020 |
| Name of bank | STATE BANK OF INDIA |
| Class of security | Equity |
| Date of start of financial year | 01-04-2025 |
| Date of end of financial year | 31-03-2026 |
| Date of board meeting when results were approved | 04-11-2025 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 18-10-2025 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| Reporting Type | Quarterly |
| Reporting Quarter | Second quarter |
| Nature of report standalone or consolidated | Consolidated |
| Whether results are audited or unaudited | Unaudited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended | Unaudited |
| Segment Reporting | Multi segment |
| Description of single segment | |
| Start date and time of board meeting | 04-11-2025 10:00:00 |
| End date and time of board meeting | 04-11-2025 13:20:00 |
| Whether cash flow statement is applicable on company | Yes |
| Type of cash flow statement | Cash Flow Indirect |
| Declaration of unmodified opinion or statement on impact of audit qualification | Not applicable |
| Particulars | 3 months/ 6 months ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
|---|---|---|---|
| A | Date of start of reporting period | 01-07-2025 | 01-04-2025 |
| B | Date of end of reporting period | 30-09-2025 | 30-09-2025 |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Consolidated | Consolidated |
| 1 | Interest earned | ||
| Interest or discount on advances or bills | 88,99,364.00 | 1,77,13,966.00 | |
| Income on investments | 33,26,779.00 | 65,49,333.00 | |
| Interest on balances with reserve bank of India and other inter bank funds | 2,19,877.00 | 4,55,866.00 | |
| Others | 3,58,030.00 | 6,57,753.00 | |
| Total interest earned | 1,28,04,050.00 | 2,53,76,918.00 | |
| 2 | Other income | 47,85,729.00 | 89,12,043.00 |
| 3 | Total income | 1,75,89,779.00 | 3,42,88,961.00 |
| Expenses | |||
| 4 | Interest expenses | 78,00,237.00 | 1,56,26,883.00 |
| 5 | Operating expenses | ||
| (i) | Employees cost | 18,34,618.00 | 36,83,675.00 |
| (ii) | Details of other operating expenses | ||
| Description of other operating expenses | |||
| 1 | Operating Expenses relating to Insurance Business | 30,40,128.00 | 52,88,051.00 |
| 2 | Other operating expesnes | 17,03,099.00 | 30,29,389.00 |
| Total other operating Expenses | 47,43,227.00 | 83,17,440.00 | |
| Total Operating Expenses | 65,77,845.00 | 1,20,01,115.00 | |
| 6 | Total expenditure excluding provisions and contingencies | 1,43,78,082.00 | 2,76,27,998.00 |
| 7 | Operating profit before provision and contingencies | 32,11,697.00 | 66,60,963.00 |
| 8 | Provisions other than tax and contingencies | 6,48,690.00 | 11,75,044.00 |
| 9 | Exceptional items | 3,02,657.00 | 3,02,657.00 |
| 10 | Total profit (loss) from ordinary activities before tax | 28,65,664.00 | 57,88,576.00 |
| 11 | Provision for Tax | 7,15,215.00 | 14,75,463.00 |
| 12 | Net profit (loss) from ordinary activities after tax | 21,50,449.00 | 43,13,113.00 |
| 13 | Extraordinary items net of tax expenses | 0.00 | 0.00 |
| 14 | Net profit (loss) for the period | 21,50,449.00 | 43,13,113.00 |
| 15 | Share of profit (loss) of associates | 35,610.00 | 85,084.00 |
| 16 | Profit (loss) of minority interest | 72,326.00 | 1,64,317.00 |
| 17 | Net Profit (loss) after taxes minority interest and share of profit (loss) of associates | 21,13,733.00 | 42,33,880.00 |
| 18 | Details of equity share capital [Abstract] | ||
| Paid-up equity share capital | 92,306.00 | 92,306.00 | |
| Face value of equity share capital | 1 | 1 | |
| 19 | Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) | ||
| 20 | Analytical ratios | ||
| (i) | Percentage of share held by government of India | 55.0300 | 55.0300 |
| (ii) | Capital adequacy ratio | ||
| CET 1 ratio | 0 | 0 | |
| Additional Tier 1 ratio | 0 | 0 | |
| (iii) (a) | Earnings per share before extraordinary items | ||
| Basic earnings per share before extraordinary items | 22.81 | 46.81 | |
| Diluted earnings per share before extraordinary items | 22.81 | 46.81 | |
| (iii) (b) | Earnings per share after extraordinary items | ||
| Basic earnings per share after extraordinary items | 22.81 | 46.81 | |
| Diluted earnings per share after extraordinary items | 22.81 | 46.81 | |
| (iv) | NPA Ratios | ||
| Amount of gross non-performing assets | 0.00 | 0.00 | |
| Amount of net non-performing assets | 0.00 | 0.00 | |
| % of gross NPAs | 0 | 0 | |
| % of net NPAs | 0 | 0 | |
| Return on assets | 0 | 0 | |
| 21 | Disclosure of notes on financial results by banks | Textual Information(1) | |
| Textual Information(1) | Refer PDF file uploaded on Site for Notes |
|---|
| Particulars | Year ended (dd-mm-yyyy) | ||
|---|---|---|---|
| Date of start of reporting period | 01-04-2025 | ||
| Date of end of reporting period | 30-09-2025 | ||
| Whether results are audited or unaudited | Unaudited | ||
| Nature of report standalone or consolidated | Consolidated | ||
| 1 | Capital and liabilities | ||
| Capital | 92,306.00 | ||
| Reserves and surplus | 5,88,00,215.00 | ||
| Deposits | 56,55,55,942.00 | ||
| Borrowings | 6,50,30,327.00 | ||
| Other liabilities and provisions | 7,78,61,171.00 | ||
| Total Capital Liabilities | 76,73,39,961.00 | ||
| 2 | ASSETS | ||
| Cash and Balances with Reserve Bank of India | 2,73,47,697.00 | ||
| Balances with Banks and money at call and short notice | 1,40,16,648.00 | ||
| Investments | 22,76,62,125.00 | ||
| Advances | 44,57,75,214.00 | ||
| Fixed Assets | 543625000000 | ||
| Other Assets | 4,71,02,027.00 | ||
| Total Assets | 76,73,39,961.00 | ||
| Disclosure of notes on assets and liabilities | Textual Information(1) | ||
| Textual Information(1) | 1. Reserves and surplus includes minority interest 2. For notes, refer PDF file uploaded on website |
|---|
| Particulars | 3 months/ 6 months ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |||||
|---|---|---|---|---|---|---|---|
| Date of start of reporting period | 01-07-2025 | 01-04-2025 | |||||
| Date of end of reporting period | 30-09-2025 | 30-09-2025 | |||||
| Whether results are audited or unaudited | Unaudited | Unaudited | |||||
| Nature of report standalone or consolidated | Consolidated | Consolidated | |||||
| 1 | Segment Revenue (Income) | ||||||
| (net sale/income from each segment should be disclosed) | |||||||
| 1 | Treasury operations | 33,60,120.00 | 69,72,051.00 | ||||
| 2 | Corporate/ Wholesale Banking operations | 37,52,290.00 | 73,60,391.00 | ||||
| 3 | Retail Banking oprations- Digital Banking | 1,12,612.00 | 2,34,360.00 | ||||
| 4 | Retail Banking oprations- Other Retail Banking | 63,75,896.00 | 1,25,71,657.00 | ||||
| 5 | Insurance Business | 33,30,929.00 | 58,36,954.00 | ||||
| 6 | Other Banking operations | 8,70,281.00 | 17,15,174.00 | ||||
| 7 | Unallocated | 42,153.00 | 67,277.00 | ||||
| 8 | Exceptional items | 0.00 | 0.00 | ||||
| Total Segment Revenue | 1,78,44,281.00 | 3,47,57,864.00 | |||||
| Less: Inter segment revenue | 2,54,502.00 | 4,68,903.00 | |||||
| Income from operations | 1,75,89,779.00 | 3,42,88,961.00 | |||||
| 2 | Segment Result | ||||||
| Profit (+) / Loss (-) before tax and interest from each segment | |||||||
| 1 | Treasury operations | 4,33,603.00 | 11,61,686.00 | ||||
| 2 | Corporate/ Wholesale Banking operations | 7,80,070.00 | 13,20,496.00 | ||||
| 3 | Retail Banking oprations- Digital Banking | 3,73,421.00 | 8,37,149.00 | ||||
| 4 | Retail Banking oprations- Other Retail Banking | 9,21,813.00 | 20,51,231.00 | ||||
| 5 | Insurance Business | 82,389.00 | 1,72,008.00 | ||||
| 6 | Other Banking operations | 2,44,077.00 | 5,04,662.00 | ||||
| 7 | Unallocated | 0.00 | 0.00 | ||||
| 8 | Exceptional items | 3,02,657.00 | 3,02,657.00 | ||||
| Total Profit before tax | 31,38,030.00 | 63,49,889.00 | |||||
| i. Finance cost | 0.00 | 0.00 | |||||
| ii. Other Unallocable Expenditure net off Unallocable income | 2,72,366.00 | 5,61,313.00 | |||||
| Profit before tax | 28,65,664.00 | 57,88,576.00 | |||||
| 3 | (Segment Asset - Segment Liabilities) | ||||||
| Segment Asset | |||||||
| 1 | Treasury operations | 18,56,38,437.00 | 18,56,38,437.00 | ||||
| 2 | Corporate/ Wholesale Banking operations | 20,26,26,747.00 | 20,26,26,747.00 | ||||
| 3 | Retail Banking oprations- Digital Banking | 63,88,144.00 | 63,88,144.00 | ||||
| 4 | Retail Banking oprations- Other Retail Banking | 30,31,62,734.00 | 30,31,62,734.00 | ||||
| 5 | Insurance Business | 5,13,73,734.00 | 5,13,73,734.00 | ||||
| 6 | Other Banking operations | 1,27,43,492.00 | 1,27,43,492.00 | ||||
| 7 | Unallocated | 0.00 | 0.00 | ||||
| 8 | Exceptional items | 0.00 | 0.00 | ||||
| Total Segment Assets | 76,19,33,288.00 | 76,19,33,288.00 | |||||
| Un-allocable Assets | 54,06,673.00 | 54,06,673.00 | |||||
| Net Segment Assets | 76,73,39,961.00 | 76,73,39,961.00 | |||||
| 4 | Segment Liabilities | ||||||
| Segment Liabilities | |||||||
| 1 | Treasury operations | 16,64,88,673.00 | 16,64,88,673.00 | ||||
| 2 | Corporate/ Wholesale Banking operations | 18,45,44,804.00 | 18,45,44,804.00 | ||||
| 3 | Retail Banking oprations- Digital Banking | 10,31,18,553.00 | 10,31,18,553.00 | ||||
| 4 | Retail Banking oprations- Other Retail Banking | 17,69,58,205.00 | 17,69,58,205.00 | ||||
| 5 | Insurance Business | 4,90,24,480.00 | 4,90,24,480.00 | ||||
| 6 | Other Banking operations | 90,43,573.00 | 90,43,573.00 | ||||
| 7 | Unallocated | 0.00 | 0.00 | ||||
| 8 | Exceptional items | 0.00 | 0.00 | ||||
| Total Segment Liabilities | 68,91,78,288.00 | 68,91,78,288.00 | |||||
| Un-allocable Liabilities | 2,12,30,443.00 | 2,12,30,443.00 | |||||
| Net Segment Liabilities | 71,04,08,731.00 | 71,04,08,731.00 | |||||
| Disclosure of notes on segments | 1. Segment net results are arrived after taking effect of Transfer Pricing. 2. As per RBI Circular DOR.AUT.REC.12/22/01.001/2022-23 dated April 07, 2022, for the purpose of disclosure under Accounting Standard 17, Segment reporting, ‘Digital Banking’ has been identified as a sub- segment under the retail banking Segment. | ||||||
| Particulars | Year ended (dd-mm-yyyy) | |
|---|---|---|
| A | Date of start of reporting period | 01-04-2025 |
| B | Date of end of reporting period | 30-09-2025 |
| C | Whether results are audited or unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Consolidated |
| 1 | Statement of cash flows | |
| Cash flows from used in operating activities | ||
| Profit before extraordinary items and tax | 57,88,576.00 | |
| 2 | Adjustments for reconcile profit (loss) | |
| Adjustments to profit (loss) | ||
| Adjustments for finance costs | 6,39,599.00 | |
| Adjustments for depreciation and amortisation expense | 2,31,383.00 | |
| Adjustments for impairment loss reversal of impairment loss recognised in profit or loss | 0.00 | |
| Adjustments for unrealised foreign exchange losses gains | 0.00 | |
| Adjustments for dividend income | 0.00 | |
| Adjustments for share-based payments | 0.00 | |
| Other adjustments for which cash effects are investing or financing cash flow | (4,99,321.00) | |
| Other adjustments to reconcile profit (loss) | (79,233.00) | |
| Other adjustments for non-cash items | 12,34,141.00 | |
| Share of profit and loss from partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Total adjustments to profit (loss) | 15,26,569.00 | |
| 3 | Adjustments for working capital | |
| Adjustments for decrease (increase) in inventories | 0.00 | |
| Adjustments for decrease (increase) in trade receivables | (2,18,06,360.00) | |
| Adjustments for decrease (increase) in other current assets | (89,34,714.00) | |
| Adjustments for increase (decrease) in trade payables | 2,15,66,140.00 | |
| Adjustments for increase (decrease) in other current liabilities | 84,41,426.00 | |
| Adjustments for provisions | 0.00 | |
| Total adjustments for working capital | (7,33,508.00) | |
| Total adjustments for reconcile profit (loss) | 7,93,061.00 | |
| Net cash flows from (used in) operations | 65,81,637.00 | |
| Dividends received | 0.00 | |
| Interest paid | 0.00 | |
| Interest received | 0.00 | |
| Income taxes paid (refund) | 12,06,299.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Net cash flows from (used in) operating activities before extraordinary items | 53,75,338.00 | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) operating activities | 53,75,338.00 | |
| 4 | Cash flows from used in investing activities | |
| Cash flows from losing control of subsidiaries or other businesses | 7,77,941.00 | |
| Cash flows used in obtaining control of subsidiaries or other businesses | 10,827.00 | |
| Other cash receipts from sales of equity or debt instruments of other entities | 0.00 | |
| Other cash payments to acquire equity or debt instruments of other entities | 0.00 | |
| Other cash receipts from sales of interests in joint ventures | 0.00 | |
| Other cash payments to acquire interests in joint ventures | 0.00 | |
| Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Cash payment for investment in partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Proceeds from sales of tangible assets | 0.00 | |
| Purchase of tangible assets | 3,05,540.00 | |
| Proceeds from sales of intangible assets | 0.00 | |
| Purchase of intangible assets | 0.00 | |
| Cash advances and loans made to other parties | 0.00 | |
| Cash receipts from repayment of advances and loans made to other parties | 0.00 | |
| Cash payments for future contracts, forward contracts, option contracts and swap contracts | 0.00 | |
| Cash receipts from future contracts, forward contracts, option contracts and swap contracts | 0.00 | |
| Dividends received | 0.00 | |
| Interest received | 0.00 | |
| Income taxes paid (refund) | 0.00 | |
| Other inflows (outflows) of cash | 60.00 | |
| Proceeds from government grants | 0.00 | |
| Net cash flows from (used in) investing activities before extraordinary items | 4,61,634.00 | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) investing activities | 4,61,634.00 | |
| 5 | Cash flows from used in financing activities | |
| Proceeds from issuing shares | 24,99,415.00 | |
| Proceeds from issuing other equity instruments | 0.00 | |
| Proceeds from issuing debentures notes bonds etc | 18,750.00 | |
| Proceeds from borrowings | 0.00 | |
| Repayments of borrowings | 10,99,200.00 | |
| Dividends paid | 14,19,015.00 | |
| Interest paid | 6,88,411.00 | |
| Income taxes paid (refund) | 0.00 | |
| Other inflows (outflows) of cash | 30,145.00 | |
| Net cash flows from (used in) financing activities before extraordinary items | (6,58,316.00) | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) financing activities | (6,58,316.00) | |
| Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes | 51,78,656.00 | |
| 6 | Effect of exchange rate changes on cash and cash equivalents | |
| Effect of exchange rate changes on cash and cash equivalents | 3,92,395.00 | |
| Net increase (decrease) in cash and cash equivalents | 55,71,051.00 | |
| Cash and cash equivalents cash flow statement at beginning of period | 3,57,93,294.00 | |
| Cash and cash equivalents cash flow statement at end of period | 4,13,64,345.00 | |