INTEGRATED FILING — NBFC



General information about company

Scrip code 543066
NSE Symbol SBICARD
MSEI Symbol NOTLISTED
ISIN INE018E01016
Name of company SBI Cards and Payment Services Limited
Type of company Main Board
Class of security Equity
Date of start of financial year 01-Apr-2024
Date of end of financial year 31-Mar-2025
Date of board meeting when results were approved 24-Apr-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 17-Apr-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter Fourth quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited for the quarter ended Audited
Whether results are audited or unaudited for the Year to date for current period ended/year ended Audited
Segment Reporting Single segment
Description of single segment CREDIT CARD BUSINESS
Start date and time of board meeting 24-Apr-2025   17:00:00
End date and time of board meeting 24-Apr-2025   18:56:00
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 Declaration of unmodified opinion
Whether the company has any related party? Yes
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure? Yes
(I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public NA
(II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure. NA
(III) Whether the company is a high value debt listed entity according to regulation 15 (1A)? Yes
(a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication? Yes
(b) If answer to above question is No, please explain the reason for not complying. Yes
Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company? Yes
Latest Date on which RPT policy is updated 2025-03-29
Indicate Company website link for updated RPT policy of the Company https://www.sbicard.com/sbi-card-en/assets/docs/pdf/who-we-are/notices/rpt-policy.pdf
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? No
No. of times funds raised during the quarter
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? No
There is no default on loans and debt securities during the quarter and year ended March 31, 2025.


Financial Results — NBFC
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-Jan-2025 01-Apr-2024
B Date of end of reporting period 31-Mar-2025 31-Mar-2025
C Whether results are audited or unaudited Audited Audited
D Nature of report standalone or consolidated Standalone Standalone
Part I Blue color marked fields are non-mandatory. For Consolidated Results, if the company has no figures for 3 months / 6 months ended, in such case zero shall be inserted in the said column.
1 Income
Revenue from operations
(i) Interest Income 24151600000 93473100000
(ii) Dividend Income 0 0
(iii) Rental Income 0 0
(iv) Fees and commission Income 20928000000 80028900000
(v) Net gain on fair value changes 0 0
(vi) Net gain on derecognition of financial instruments under amortised cost category 0 0
(vii) Sale of products (including Excise Duty) 0 0
(viii) Sale of services 271300000 1264600000
(ix) Other revenue from operations
1 Business development incentive income 1380700000 5923400000
2 Insurance commission income 7900000 32200000
Total other revenue from operations 1388600000 5955600000
Total Revenue From Operations 46739500000 180722200000
Other income 1577900000 5649300000
Total income 48317400000 186371500000
2 Expenses
Cost of materials consumed 0 0
Purchases of stock-in-trade 0 0
Changes in inventories of finished goods, work-in-progress and stock-in-trade 0 0
Employee benefit expense 1542500000 5895600000
Finance costs 7952600000 31784000000
Depreciation, depletion and amortisation expense -16900000 1468200000
Fees and commission expense 1952000000 6332400000
Net loss on fair value changes 0 0
Net loss on derecognition of financial instruments under amortised cost category 0 0
Impairment on financial instruments 12451200000 48715100000
(f) Other expenses
1 Operating and other expenses 17250700000 66369400000
Total other expenses 17250700000 66369400000
Total expenses 41132100000 160564700000
3 Total profit before exceptional items and tax 7185300000 25806800000
4 Exceptional items 0 0
5 Total profit before tax 7185300000 25806800000
7 Tax expense
8 Current tax 1651000000 7532500000
9 Deferred tax 192500000 -889800000
10 Total tax expenses 1843500000 6642700000
11 Net Profit Loss for the period from continuing operations 5341800000 19164100000
12 Profit (loss) from discontinued operations before tax 0 0
13 Tax expense of discontinued operations 0 0
17 Net profit (loss) from discontinued operation after tax 0 0
14 Share of profit (loss) of associates and joint ventures accounted for using equity method 0 0
15 Total profit (loss) for period 5341800000 19164100000
16 Other comprehensive income net of taxes 28100000 24100000
17 Total Comprehensive Income for the period 5369900000 19188200000
18 Total profit or loss, attributable to
Profit or loss, attributable to owners of parent
Total profit or loss, attributable to non-controlling interests
19 Total Comprehensive income for the period attributable to
Comprehensive income for the period attributable to owners of parent
Total comprehensive income for the period attributable to owners of parent non-controlling interests
20 Details of equity share capital
Paid-up equity share capital 9513600000 9513600000
Face value of equity share capital 10 10
21 Reserves excluding revaluation reserve
22 Earnings per share
i Earnings per equity share for continuing operations
Basic earnings per share from continuing operations 5.62 20.15
Diluted earnings per share from continuing operations 5.61 20.14
ii Earnings per equity share for discontinued operations
Basic earnings per share from discontinued operations 0 0
Diluted earnings per share from discontinued operations 0 0
ii Earnings per equity share
Basic earnings per share 5.62 20.15
Diluted earnings per share 5.61 20.14
23 Debt equity ratio 0.0324 0.0324
24 Debt service coverage ratio 0.0 0.0
25 Interest service coverage ratio 0.0 0.0
26 Disclosure of notes on financial results Textual Information(1)


Remarks
23 Debt equity ratio
24 Debt service coverage ratio
25 Interest service coverage ratio


Text Block
Textual Information(1)


Cash flow statement, indirect
Particulars Year ended (dd-mm-yyyy)
A Date of start of reporting period 01-Apr-2024
B Date of end of reporting period 31-Mar-2025
C Whether results are audited or unaudited Audited
D Nature of report standalone or consolidated Standalone
Part I Blue color marked fields are non-mandatory.
Statement of cash flows
Cash flows from used in operating activities
Profit before tax 25806800000
Adjustments for reconcile profit (loss)
Adjustments for finance costs 31784000000
Adjustments for decrease (increase) in inventories 0
Adjustments for decrease (increase) in trade receivables, current 76100000
Adjustments for decrease (increase) in trade receivables, non-current 0
Adjustments for decrease (increase) in other current assets 0
Adjustments for decrease (increase) in other non-current assets 81685600000
Adjustments for other financial assets, non-current -178977600000
Adjustments for other financial assets, current 516100000
Adjustments for other bank balances 469100000
Adjustments for increase (decrease) in trade payables, current 849000000
Adjustments for increase (decrease) in trade payables, non-current 0
Adjustments for increase (decrease) in other current liabilities 600800000
Adjustments for increase (decrease) in other non-current liabilities 0
Adjustments for depreciation and amortisation expense 1468200000
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss 48708200000
Adjustments for provisions, current 404100000
Adjustments for provisions, non-current 0
Adjustments for other financial liabilities, current 6954400000
Adjustments for other financial liabilities, non-current 0
Adjustments for unrealised foreign exchange losses gains -18600000
Adjustments for dividend income 0
Adjustments for interest income 2768800000
Adjustments for share-based payments 107400000
Adjustments for fair value losses (gains) 0
Adjustments for undistributed profits of associates 0
Other adjustments for which cash effects are investing or financing cash flow 0
Other adjustments to reconcile profit (loss) 0
Other adjustments for non-cash items 0
Share of profit and loss from partnership firm or association of persons or limited liability partnerships 0
Total adjustments for reconcile profit (loss) -8142000000
Net cash flows from (used in) operations 17664800000
Dividends received 0
Interest paid 31569000000
Interest received 0
Income taxes paid (refund) 7500400000
Other inflows (outflows) of cash 0
Net cash flows from (used in) operating activities -21404600000
Cash flows from used in investing activities
Cash flows from losing control of subsidiaries or other businesses 0
Cash flows used in obtaining control of subsidiaries or other businesses 0
Other cash receipts from sales of equity or debt instruments of other entities 0
Other cash payments to acquire equity or debt instruments of other entities 0
Other cash receipts from sales of interests in joint ventures 0
Other cash payments to acquire interests in joint ventures 0
Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships 0
Cash payment for investment in partnership firm or association of persons or limited liability partnerships 0
Proceeds from sales of property, plant and equipment 3800000
Purchase of property, plant and equipment 557600000
Proceeds from sales of investment property 20810400000
Purchase of investment property 47749400000
Proceeds from sales of intangible assets 0
Purchase of intangible assets 0
Proceeds from sales of intangible assets under development 0
Purchase of intangible assets under development 0
Proceeds from sales of goodwill 0
Purchase of goodwill 0
Proceeds from biological assets other than bearer plants 0
Purchase of biological assets other than bearer plants 0
Proceeds from government grants 0
Proceeds from sales of other long-term assets 0
Purchase of other long-term assets 0
Cash advances and loans made to other parties 0
Cash receipts from repayment of advances and loans made to other parties 0
Cash payments for future contracts, forward contracts, option contracts and swap contracts 0
Cash receipts from future contracts, forward contracts, option contracts and swap contracts 0
Dividends received 0
Interest received 2587100000
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Net cash flows from (used in) investing activities -24905700000
Cash flows from used in financing activities
Proceeds from changes in ownership interests in subsidiaries 0
Payments from changes in ownership interests in subsidiaries 0
Proceeds from issuing shares 58400000
Proceeds from issuing other equity instruments 0
Payments to acquire or redeem entity's shares 0
Payments of other equity instruments 0
Proceeds from exercise of stock options 0
Proceeds from issuing debentures notes bonds etc -29050000000
Proceeds from borrowings 79390100000
Repayments of borrowings 0
Payments of lease liabilities 655600000
Dividends paid 2871100000
Interest paid 0
Income taxes paid (refund) 6700000
Other inflows (outflows) of cash 0
Net cash flows from (used in) financing activities 46865100000
Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes 554800000
Effect of exchange rate changes on cash and cash equivalents
Effect of exchange rate changes on cash and cash equivalents 0
Net increase (decrease) in cash and cash equivalents 554800000
Cash and cash equivalents cash flow statement at beginning of period 24820500000
Cash and cash equivalents cash flow statement at end of period 25375300000




Statement of Asset and Liabilities
Particulars Year ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2024
Date of end of reporting period 31-Mar-2025
Whether results are audited or unaudited Audited
Nature of report standalone or consolidated Standalone
Assets
1 Finanical Asset
Cash and cash equivalents 25375300000
Bank Balance other than (a) above 2006600000
Derivative financial instruments 0
Receivables
(I) Trade Receivables 2355000000
(II) Other Receivables 0
Loans 539346200000
Investments 62351000000
Other Financial assets 2783500000
Total Financial Assets 634217600000
2 Non Financial Asset
Inventories 0
Current tax assets (Net) 70000000
Deferred tax Assets (Net) 4427800000
Investment Property 0
Biological assets other than bearer plants 0
Property, Plant and Equipment 2267500000
Capital work-in-progress 1500000
Intangible assets under development 99900000
Goodwill 0
Other Intangible assets 933700000
Other non-financial assets (to be specified) 13440000000
Total Non Financial Assets 21240400000
Total assets 655458000000
Equity and liabilities
1 Equity
Equity attributable to owners of parent
Equity share capital 9513600000
Other equity 128303600000
Total equity attributable to owners of parent 137817200000
Non controlling interest
Total equity 137817200000
2 Liabilities
2.1 Financial Liabilities
(a) Derivative financial instruments 0
(b) Payables 0
(I)Trade Payables
(i) total outstanding dues of micro enterprises and small enterprises 1363500000
(ii) total outstanding dues of creditors other than micro enterprises and small enterprises 14565600000
II) Other Payables
(i) total outstanding dues of micro enterprises and small enterprises 0
(ii) total outstanding dues of creditors other than micro enterprises and small enterprises 117800000
(C ) Debt Securities 29983900000
(d) Borrowings (Other than Debt Securities) 384633100000
(e) Deposits 0
(f) Subordinated Liabilities 34849100000
(g) Other financial liabilities 33689800000
Total Financial Liabilities 499202800000
2.2 Non-Financial Liabilities
(a) Current tax liabilities (Net) 0
(b) Provisions 6767000000
(C ) Deferred tax liabilities (Net) 0
(d) Other non-financial liabilities 11671000000
Total Non Financial Liabilities 18438000000
Total liabilities 517640800000
Total equity and liabilites 655458000000
Disclosure of notes on assets and liabilities


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 month ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Jan-2025 01-Apr-2024
B Date of end of reporting period 31-Mar-2025 31-Mar-2025
Whether accounts are audited or unaudited Audited Audited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
Total Segment Revenue
Less: Inter segment revenue
Revenue from operations
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
Total Profit before tax
i. Finance cost
ii. Other Unallocable Expenditure net off Unallocable income
Profit before tax
3 (Segment Asset - Segment Liabilities)
Segment Asset
Total Segment Asset
Un-allocable Assets
Net Segment Asset
4 Segment Liabilities
Segment Liabilities
Total Segment Liabilities
Un-allocable Liabilities
Net Segment Liabilities
Disclosure of notes on segments


Other Comprehensive Income
Particulars 3 months/ 6 month ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Jan-2025 01-Apr-2024
B Date of end of reporting period 31-Mar-2025 31-Mar-2025
C Whether results are audited or unaudited Audited Audited
D Nature of report standalone or consolidated Standalone Standalone
Other comprehensive income [Abstract]
1 Amount of items that will not be reclassified to profit and loss
1 Remeasurements of the defined benefit liabilities / (asset) -1200000 -6600000
2 Gain/(loss) on equity investment through OCI 38800000 38800000
Total Amount of items that will not be reclassified to profit and loss 37600000 32200000
2 Income tax relating to items that will not be reclassified to profit or loss 9500000 8100000
3 Amount of items that will be reclassified to profit and loss
1 Gain/(loss) on forward contracts in hedging relationship 0 0
Total Amount of items that will be reclassified to profit and loss 0 0
4 Income tax relating to items that will be reclassified to profit or loss 0 0
5 Total Other comprehensive income 28100000 24100000




Details of Impact of Audit Qualification
Whether results are audited or unaudited Audited
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Auditor's opinion
Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results Yes
Sr No. Audit firm's name Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI Certificate valid upto
1 M/s SP Chopra & Co Yes 31-Aug-2027
2 M/s VK Dhingra & Co Yes 31-May-2026


Financial details
Sr. Particulars Audited Figures (as reported before adjusting for qualifications) Adjusted Figures (audited figures after adjusting for qualifications)
1 Turnover / Total income
2 Total Expenditure
3 Net Profit/(Loss)
4 Earnings Per Share
5 Total Assets
6 Total Liabilities
7 Net Worth


Signatories details

Name of CEO / Managing director
Name of CFO
Name of audit committee chairman
Name of statutory auditor
Name of other signatory, if any, with designation
Place
Date


Format for Disclosure of Related Party Transactions (applicable only for half-yearly filings i.e., 2nd and 4th quarter)
Sr No. Additional disclosure of related party transactions - applicable only in case the related party transaction relates to loans, inter-corporate deposits, advances or investments made or given by the listed entity/subsidiary. These details need to be disclosed only once, during the reporting period when such transaction was undertaken.
Details of the party (listed entity /subsidiary) entering into the transaction Details of the counterparty Type of related party transaction Details of other related party transaction Value of the related party transaction as approved by the audit committee Remarks on approval by audit committee Value of transaction during the reporting period In case monies are due to either party as a result of the transaction In case any financial indebtedness is incurred to make or give loans, inter-corporate deposits, advances or investments Details of the loans, inter-corporate deposits, advances or investments Notes
Name PAN Name PAN Relationship of the counterparty with the listed entity or its subsidiary Opening balance Closing balance Nature of indebtedness (loan/ issuance of debt/ any other etc.) Details of other indebtedness Cost Tenure Nature (loan/ advance/ intercorporate deposit/ investment ) Interest Rate (%) Tenure Secured/ unsecured Purpose for which the funds will be utilised by the ultimate recipient of funds (endusage)
1 SBI Cards and Payment Services Limited State Bank of India Holding Company Any other transaction Finance chargesnBorrowing MadenBorrowing Repaid 270000000000 Nil 624942400000 195470400000 209398600000 Textual Information(1)
2 SBI Cards and Payment Services Limited SBI DFHI Limited Fellow Subsidiaries Any other transaction Finance charges 1000000000 Nil 0 501600000 520000000
3 SBI Cards and Payment Services Limited SBI General Insurance company limited Fellow Subsidiaries Any other transaction Finance charges 7500000000 Nil 0 3563800000 3697300000 Textual Information(2)
4 SBI Cards and Payment Services Limited SBI Capital markets limited Fellow Subsidiaries Any other transaction Finance charges 20075000000 Nil 0 506100000 526700000
5 SBI Cards and Payment Services Limited State Bank of India Holding Company Any other transaction Interest On FD 20000000 Nil 500000 0 0
6 SBI Cards and Payment Services Limited State Bank of India Holding Company Any other transaction Fixed Deposit madenFixed Deposit matured 500000000 Nil 12000000 12100000 12200000
7 SBI Cards and Payment Services Limited State Bank of India Holding Company Purchase of goods or services 5746400000 Nil 1706800000 345300000 468000000
8 SBI Cards and Payment Services Limited State Bank of India Holding Company Advance Nil 0 50600000 167700000 Textual Information(3)
9 SBI Cards and Payment Services Limited State Bank of India Holding Company Loan 360000000 Nil 8300000 600000 500000 Any other Borrowing[Including Loans{funded/nonfunded,debentures}] 0.074 As per Term sheet/agreement Loan 0.42 As per agreement Unsecured Credit Card Usage Textual Information(4)
10 SBI Cards and Payment Services Limited SBI Capital markets limited Fellow Subsidiaries Loan 360000000 Nil 900000 0 0 Any other Borrowing[Including Loans{funded/nonfunded,debentures}] 0.074 As per Term sheet/agreement Loan 0.42 As per agreement Unsecured Credit Card Usage Textual Information(5)
11 SBI Cards and Payment Services Limited SBI Life Insurance Company Limited Fellow Subsidiaries Loan 360000000 Nil 1800000 0 200000 Any other Borrowing[Including Loans{funded/nonfunded,debentures}] 0.074 As per Term sheet/agreement Loan 0.42 As per agreement Unsecured Credit Card Usage Textual Information(6)
12 SBI Cards and Payment Services Limited SBI Funds Management Limited Fellow Subsidiaries Loan 360000000 Nil 22000000 1000000 1100000 Any other Borrowing[Including Loans{funded/nonfunded,debentures}] 0.074 As per Term sheet/agreement Loan 0.42 As per agreement Unsecured Credit Card Usage Textual Information(7)
13 SBI Cards and Payment Services Limited SBI DFHI Limited Fellow Subsidiaries Loan 360000000 Nil 1800000 100000 0 Any other Borrowing[Including Loans{funded/nonfunded,debentures}] 0.074 As per Term sheet/agreement Loan 0.42 As per agreement Unsecured Credit Card Usage Textual Information(8)
14 SBI Cards and Payment Services Limited SBI Cap Securities Ltd Fellow Subsidiaries Loan 360000000 Nil 10600000 500000 1300000 Any other Borrowing[Including Loans{funded/nonfunded,debentures}] 0.074 As per Term sheet/agreement Loan 0.42 As per agreement Unsecured Credit Card Usage Textual Information(9)
15 SBI Cards and Payment Services Limited SBI Cap Trustee Co. Ltd Fellow Subsidiaries Loan 360000000 Nil 300000 100000 0 Any other Borrowing[Including Loans{funded/nonfunded,debentures}] 0.074 As per Term sheet/agreement Loan 0.42 As per agreement Unsecured Credit Card Usage Textual Information(10)
16 SBI Cards and Payment Services Limited SBI General Insurance company limited Fellow Subsidiaries Loan 360000000 Nil 34300000 2500000 2200000 Any other Borrowing[Including Loans{funded/nonfunded,debentures}] 0.074 As per Term sheet/agreement Loan 0.42 As per agreement Unsecured Credit Card Usage Textual Information(11)
17 SBI Cards and Payment Services Limited SBI SG GLOBAL SECURITIES SERVICES PRIVATE LIMITED Fellow Subsidiaries Loan 360000000 Nil 2100000 100000 200000 Any other Borrowing[Including Loans{funded/nonfunded,debentures}] 0.074 As per Term sheet/agreement Loan 0.42 As per agreement Unsecured Credit Card Usage Textual Information(12)
18 SBI Cards and Payment Services Limited SBI FACTORS LIMITED Fellow Subsidiaries Loan 360000000 Nil 1300000 100000 200000 Any other Borrowing[Including Loans{funded/nonfunded,debentures}] 0.074 As per Term sheet/agreement Loan 0.42 As per agreement Unsecured Credit Card Usage Textual Information(13)
19 SBI Cards and Payment Services Limited INVESTEC CAPITAL SERVICES (INDIA) PRIVATE LIMITED Promoter group Constituent Loan 360000000 Nil 19200000 3200000 600000 Any other Borrowing[Including Loans{funded/nonfunded,debentures}] 0.074 As per Term sheet/agreement Loan 0.42 As per agreement Unsecured Credit Card Usage Textual Information(14)
20 SBI Cards and Payment Services Limited SBI PAYMENT SERVICES PRIVATE LIMITED Fellow Subsidiaries Loan 360000000 Nil 700000 0 0 Any other Borrowing[Including Loans{funded/nonfunded,debentures}] 0.074 As per Term sheet/agreement Loan 0.42 As per agreement Unsecured Credit Card Usage Textual Information(15)
21 SBI Cards and Payment Services Limited State Bank Operations Support Services Private Limited Fellow Subsidiaries Loan 360000000 Nil 1600000 0 300000 Any other Borrowing[Including Loans{funded/nonfunded,debentures}] 0.074 As per Term sheet/agreement Loan 0.42 As per agreement Unsecured Credit Card Usage Textual Information(16)
22 SBI Cards and Payment Services Limited SBI Pension Funds Private Limited Fellow Subsidiaries Loan 360000000 Nil 200000 0 100000 Any other Borrowing[Including Loans{funded/nonfunded,debentures}] 0.074 As per Term sheet/agreement Loan 0.42 As per agreement Unsecured Credit Card Usage Textual Information(17)
23 SBI Cards and Payment Services Limited Key Managerial Personnel/Director Key Managerial Personnel/Directors Loan 360000000 Nil 13700000 700000 1200000 Any other Borrowing[Including Loans{funded/nonfunded,debentures}] 0.074 As per Term sheet/agreement Loan 0.42 As per agreement Unsecured Credit Card Usage Textual Information(18)
24 SBI Cards and Payment Services Limited State Bank of India Holding Company Any other transaction Conrtibution to Other Fund - NPS 19700000 Nil 7500000 1300000 1200000
25 SBI Cards and Payment Services Limited SBI General Insurance company limited Fellow Subsidiaries Sale of goods or services 4800000 Nil 400000 100000 100000
26 SBI Cards and Payment Services Limited SBI Card Employees Gratuity Fund other related party Any other transaction Gratuity Fund Contribution Nil 0 12800000 41500000
27 SBI Cards and Payment Services Limited SBI Foundation Fellow Subsidiaries Investment Nil 0 0 0
28 SBI Cards and Payment Services Limited State Bank of India Holding Company Any other transaction Cash and Bank Balances Nil 0 17600100000 10779300000 Textual Information(19)
29 SBI Cards and Payment Services Limited Key Managerial Personnel/Director Key Managerial Personnel/Directors Any other transaction Personnel cost Nil 32200000 0 0 Textual Information(20)
30 SBI Cards and Payment Services Limited State Bank of India Holding Company Any other transaction Lease Rental 300000 Nil 100000 0 0
31 SBI Cards and Payment Services Limited SBI Life Insurance Company Limited Fellow Subsidiaries Any other transaction Finance ChargenBorrowings 7500000000 Nil 601600000 12931700000 12791700000 Textual Information(21)
32 SBI Cards and Payment Services Limited SBI General Insurance company limited Fellow Subsidiaries Any other transaction Insurance Expense 3300000 Nil 700000 0 0
33 SBI Cards and Payment Services Limited SBI Life Insurance Company Limited Fellow Subsidiaries Any other transaction Insurance Expense 8700000 Nil 100000 0 0
34 SBI Cards and Payment Services Limited Yes Bank Ltd. Promoter group Constituent Any other transaction Finance chargesnBorrowing Made 9575000000 Nil 0 3441500000 400300000 Textual Information(22)
35 SBI Cards and Payment Services Limited SBI Life Insurance Company Limited Fellow Subsidiaries Dividend paid Nil 0 0 0
36 SBI Cards and Payment Services Limited Key Managerial Personnel/Directors/Relatives Key Managerial Personnel/Directors/Relatives Dividend paid Nil 0 0 0
37 SBI Cards and Payment Services Limited State Bank of India Holding Company Dividend paid Nil 1631600000 0 0
Total value of transaction during the reporting period 629054700000



Text Block
Textual Information(1) The Column pertaining to 'Value of the Related Party Transactions as approved by the Audit Committee' includes following limits approved by the Audit Committee: Credit Limit - Rs. 25,000 Crores; Participation in Debentures issued by the Company - Rs. 2,000 crores.
Textual Information(2) Value of the Related Party Transactions as approved by the Audit Committee' is Not applicable for the finance charges, as the Debentures were acquired from secondary market.
Textual Information(3) The amount mentioned in the column Opening Balance and Closing Balancepertains to GST Input credit to be availed later with regard to various transactions.
Textual Information(4) The amount of Rs. 36 Crore mentioned in the Column 'Value of the Related Party Transactions as approved by the Audit Committee' denotes the combined limit for the Credit Card issued to the Related Parties of the Company.
Textual Information(5) The amount of Rs. 36 Crore mentioned in the Column 'Value of the Related Party Transactions as approved by the Audit Committee' denotes the combined limit for the Credit Card issued to the Related Parties of the Company.
Textual Information(6) The amount of Rs. 36 Crore mentioned in the Column 'Value of the Related Party Transactions as approved by the Audit Committee' denotes the combined limit for the Credit Card issued to the Related Parties of the Company.
Textual Information(7) The amount of Rs. 36 Crore mentioned in the Column 'Value of the Related Party Transactions as approved by the Audit Committee' denotes the combined limit for the Credit Card issued to the Related Parties of the Company.
Textual Information(8) The amount of Rs. 36 Crore mentioned in the Column 'Value of the Related Party Transactions as approved by the Audit Committee' denotes the combined limit for the Credit Card issued to the Related Parties of the Company.
Textual Information(9) The amount of Rs. 36 Crore mentioned in the Column 'Value of the Related Party Transactions as approved by the Audit Committee' denotes the combined limit for the Credit Card issued to the Related Parties of the Company.
Textual Information(10) The amount of Rs. 36 Crore mentioned in the Column 'Value of the Related Party Transactions as approved by the Audit Committee' denotes the combined limit for the Credit Card issued to the Related Parties of the Company.
Textual Information(11) The amount of Rs. 36 Crore mentioned in the Column 'Value of the Related Party Transactions as approved by the Audit Committee' denotes the combined limit for the Credit Card issued to the Related Parties of the Company.
Textual Information(12) The amount of Rs. 36 Crore mentioned in the Column 'Value of the Related Party Transactions as approved by the Audit Committee' denotes the combined limit for the Credit Card issued to the Related Parties of the Company.
Textual Information(13) The amount of Rs. 36 Crore mentioned in the Column 'Value of the Related Party Transactions as approved by the Audit Committee' denotes the combined limit for the Credit Card issued to the Related Parties of the Company.
Textual Information(14) The amount of Rs. 36 Crore mentioned in the Column 'Value of the Related Party Transactions as approved by the Audit Committee' denotes the combined limit for the Credit Card issued to the Related Parties of the Company.
Textual Information(15) The amount of Rs. 36 Crore mentioned in the Column 'Value of the Related Party Transactions as approved by the Audit Committee' denotes the combined limit for the Credit Card issued to the Related Parties of the Company.
Textual Information(16) The amount of Rs. 36 Crore mentioned in the Column 'Value of the Related Party Transactions as approved by the Audit Committee' denotes the combined limit for the Credit Card issued to the Related Parties of the Company.
Textual Information(17) The amount of Rs. 36 Crore mentioned in the Column 'Value of the Related Party Transactions as approved by the Audit Committee' denotes the combined limit for the Credit Card issued to the Related Parties of the Company.
Textual Information(18) The amount of Rs. 36 Crore mentioned in the Column 'Value of the Related Party Transactions as approved by the Audit Committee' denotes the combined limit for the Credit Card issued to the Related Parties of the Company.
Textual Information(19) This Related Party Transactions denotes Bank Account balance of the Company.
Textual Information(20) The value in the column pertaining to ' Value of the Related Party Transaction as approved by the Audit Committee' will be as per the policy of the Company.
Textual Information(21) The amount mentiond in the column closing Balance pertains to the Debentures (including interest) acquired from secondary market.
Textual Information(22) The Column pertaining to 'Value of the Related Party Transactions as approved by the Audit Committee' includes following limits approved by the Audit Committee: Participation in Debentures issued by the Company - Rs. 950 crores. Arranger Fee for Debentures issued by Company- Rs. 7.50 crores.


Format for Disclosing Outstanding Default on Loans and Debt Securities
Sr. No. Particulars Amount Remarks
1. Loans / revolving facilities like cash credit from banks / financial institutions
A Total amount outstanding as on date
B Of the total amount outstanding, amount of default as on date
2. Unlisted debt securities i.e. NCDs and NCRPS
A Total amount outstanding as on date
B Of the total amount outstanding, amount of default as on date
3. Total financial indebtedness of the listed entity including short-term and long-term debt