5430662025-10-012025-12-315430662025-04-012025-12-315430662025-10-012025-12-31in-capmkt:OtherRevenueFromOperations1Member5430662025-10-012025-12-31in-capmkt:OtherRevenueFromOperations2Member5430662025-04-012025-12-31in-capmkt:OtherRevenueFromOperations1Member5430662025-04-012025-12-31in-capmkt:OtherRevenueFromOperations2Member5430662025-10-012025-12-31in-capmkt:OtherExpenses1Member5430662025-04-012025-12-31in-capmkt:OtherExpenses1Member5430662025-10-012025-12-31ItemsThatWillNotBeReclassifiedToProfitAndLoss15430662025-04-012025-12-31ItemsThatWillNotBeReclassifiedToProfitAndLoss1iso4217:INRxbrli:pureiso4217:INRxbrli:shares543066SBICARDNOTLISTEDINE018E01016SBI Cards and Payment Services LimitedMain BoardEquity2025-04-012026-03-312026-01-282026-01-20INRCroresQuarterlyThird quarterSingle segmentCREDIT CARD BUSINESS2026-01-2816:30:002026-01-2818:35:00Not applicablefalsefalseThere is no default on loans and debt securities during the quarter and the nine months ended December 31, 2025.2025-10-012025-12-31UnauditedStandalone253638000000023667000000000205200000203660000051272600000226160000053534200000000184350000078507000003388000003466500000001222160000020322000000460431000007491100000074911000001923100000160000019247000005566400000000055664000001590000055823000009515800000105.855.85005.855.850.03001. SBI Cards and Payment Services Limited (the 'Company') is a Non-Banking Financial Company registered with the Reserve Bank of India (the 'RBI'). The RBI, under the Scale Based Regulations has categorised the Company as Middle Layer (NBFC-ML) vide its circular dated November 28, 2025. <BR> <BR> 2. The above unaudited financial results of the Company have been prepared in accordance with the Indian Accounting Standards (‘Ind AS’) prescribed under section 133 of the Companies Act, 2013 read with the Companies (Indian Accounting Standards) Rules, 2015, the other relevant provisions of the Companies Act, 2013, and the Master Directions/ Guidelines/Circulars issued by Reserve Bank of India (RBI) as applicable and relevant to Non-Banking Financial Companies, as amended from time to time. <BR> <BR> The Company has consistently applied its material accounting policies in the preparation of its financial results for the quarter and nine months ended December 31, 2025. <BR> <BR> 3. The above financial results have been reviewed by the Audit Committee and approved by the Board of Directors at their respective meetings held on January 28, 2026 and have been subjected to "Limited Review" by the joint statutory auditors of the Company in terms of Regulation 33 and Regulation 52 read with Regulation 63 (2) of the Securities Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 ("SEBI Regulations"), as amended including relevant circulars issued by SEBI from time to time. <BR> <BR> These financial results are available on the BSE Limited’s website (www.bseindia.com), the National Stock Exchange of India Limited’s website (www.nseindia.com) and on the Company's website (www.sbicard.com). <BR> <BR> 4. Management has exercised necessary due diligence to ensure that the said results provide a true and fair view of its affairs. <BR> <BR> Note: Since this notes tab does not provides provision for data in tabular format, therefore, for Information Pursuant to the Regulation 52(4) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, and the remaining notes, please refer the results in PDF format filed by the Company. <BR> 2025-04-012025-12-31UnauditedStandalone7519380000000682326000000006696000005555500000149651500000555440000015520590000000050340000002357960000010393000008034300000003865580000057890200000134233200000209727000000209727000005806500000-40780000053987000001557400000000001557400000097000001558370000095158000001016.3716.360016.3716.360.0300Business development incentive income2016900000Insurance commission income19700000Business development incentive income5535000000Insurance commission income20500000Operating and other expenses20322000000Operating and other expenses57890200000Remeasurements of the defined benefit liabilities / (asset)2110000021100000Remeasurements of the defined benefit liabilities / (asset)13000000130000005200000330000000159000009700000