5430662026-01-012026-03-315430662026-03-315430662025-03-315430662025-04-012026-03-315430662026-01-012026-03-31in-capmkt:OtherRevenueFromOperations1Member5430662026-01-012026-03-31in-capmkt:OtherRevenueFromOperations2Member5430662025-04-012026-03-31in-capmkt:OtherRevenueFromOperations1Member5430662025-04-012026-03-31in-capmkt:OtherRevenueFromOperations2Member5430662026-01-012026-03-31in-capmkt:OtherExpenses1Member5430662025-04-012026-03-31in-capmkt:OtherExpenses1Member5430662026-03-31OtherFinancialAssetsDomain15430662026-03-31OtherNonFinancialAssetsDomain15430662026-03-31OtherFinancialLiabilitiesDomain15430662026-03-31OtherNonFinancialLiabilitiesDomain15430662026-01-012026-03-31ItemsThatWillNotBeReclassifiedToProfitAndLoss15430662026-01-012026-03-31ItemsThatWillNotBeReclassifiedToProfitAndLoss25430662026-01-012026-03-31ItemsThatWillNotBeReclassifiedToProfitAndLoss35430662025-04-012026-03-31ItemsThatWillNotBeReclassifiedToProfitAndLoss15430662025-04-012026-03-31ItemsThatWillNotBeReclassifiedToProfitAndLoss25430662025-04-012026-03-31ItemsThatWillNotBeReclassifiedToProfitAndLoss35430662026-01-012026-03-31RelatedPartyTransactionDomain15430662025-12-31RelatedPartyTransactionDomain15430662026-03-31RelatedPartyTransactionDomain15430662026-01-012026-03-31RelatedPartyTransactionDomain25430662025-12-31RelatedPartyTransactionDomain25430662026-03-31RelatedPartyTransactionDomain25430662026-01-012026-03-31RelatedPartyTransactionDomain35430662025-12-31RelatedPartyTransactionDomain35430662026-03-31RelatedPartyTransactionDomain35430662026-01-012026-03-31RelatedPartyTransactionDomain45430662025-12-31RelatedPartyTransactionDomain45430662026-03-31RelatedPartyTransactionDomain45430662026-01-012026-03-31RelatedPartyTransactionDomain55430662025-12-31RelatedPartyTransactionDomain55430662026-03-31RelatedPartyTransactionDomain55430662026-01-012026-03-31RelatedPartyTransactionDomain65430662025-12-31RelatedPartyTransactionDomain65430662026-03-31RelatedPartyTransactionDomain65430662026-01-012026-03-31RelatedPartyTransactionDomain75430662025-12-31RelatedPartyTransactionDomain75430662026-03-31RelatedPartyTransactionDomain75430662026-01-012026-03-31RelatedPartyTransactionDomain85430662025-12-31RelatedPartyTransactionDomain85430662026-03-31RelatedPartyTransactionDomain85430662026-01-012026-03-31RelatedPartyTransactionDomain95430662025-12-31RelatedPartyTransactionDomain95430662026-03-31RelatedPartyTransactionDomain95430662026-01-012026-03-31RelatedPartyTransactionDomain105430662025-12-31RelatedPartyTransactionDomain105430662026-03-31RelatedPartyTransactionDomain105430662026-01-012026-03-31RelatedPartyTransactionDomain115430662025-12-31RelatedPartyTransactionDomain115430662026-03-31RelatedPartyTransactionDomain115430662026-01-012026-03-31RelatedPartyTransactionDomain125430662025-12-31RelatedPartyTransactionDomain125430662026-03-31RelatedPartyTransactionDomain125430662026-01-012026-03-31RelatedPartyTransactionDomain135430662025-12-31RelatedPartyTransactionDomain135430662026-03-31RelatedPartyTransactionDomain135430662026-01-012026-03-31RelatedPartyTransactionDomain145430662025-12-31RelatedPartyTransactionDomain145430662026-03-31RelatedPartyTransactionDomain145430662026-01-012026-03-31RelatedPartyTransactionDomain155430662025-12-31RelatedPartyTransactionDomain155430662026-03-31RelatedPartyTransactionDomain155430662026-01-012026-03-31RelatedPartyTransactionDomain165430662025-12-31RelatedPartyTransactionDomain165430662026-03-31RelatedPartyTransactionDomain165430662026-01-012026-03-31RelatedPartyTransactionDomain175430662025-12-31RelatedPartyTransactionDomain175430662026-03-31RelatedPartyTransactionDomain175430662026-01-012026-03-31RelatedPartyTransactionDomain185430662025-12-31RelatedPartyTransactionDomain185430662026-03-31RelatedPartyTransactionDomain185430662026-01-012026-03-31RelatedPartyTransactionDomain195430662025-12-31RelatedPartyTransactionDomain195430662026-03-31RelatedPartyTransactionDomain195430662026-01-012026-03-31RelatedPartyTransactionDomain205430662025-12-31RelatedPartyTransactionDomain205430662026-03-31RelatedPartyTransactionDomain205430662026-01-012026-03-31RelatedPartyTransactionDomain215430662025-12-31RelatedPartyTransactionDomain215430662026-03-31RelatedPartyTransactionDomain215430662026-01-012026-03-31RelatedPartyTransactionDomain225430662025-12-31RelatedPartyTransactionDomain225430662026-03-31RelatedPartyTransactionDomain225430662026-01-012026-03-31RelatedPartyTransactionDomain235430662025-12-31RelatedPartyTransactionDomain235430662026-03-31RelatedPartyTransactionDomain235430662026-01-012026-03-31RelatedPartyTransactionDomain245430662025-12-31RelatedPartyTransactionDomain245430662026-03-31RelatedPartyTransactionDomain245430662026-01-012026-03-31RelatedPartyTransactionDomain255430662025-12-31RelatedPartyTransactionDomain255430662026-03-31RelatedPartyTransactionDomain255430662026-01-012026-03-31RelatedPartyTransactionDomain265430662025-12-31RelatedPartyTransactionDomain265430662026-03-31RelatedPartyTransactionDomain265430662026-01-012026-03-31RelatedPartyTransactionDomain275430662025-12-31RelatedPartyTransactionDomain275430662026-03-31RelatedPartyTransactionDomain275430662026-01-012026-03-31RelatedPartyTransactionDomain285430662025-12-31RelatedPartyTransactionDomain285430662026-03-31RelatedPartyTransactionDomain285430662026-01-012026-03-31RelatedPartyTransactionDomain295430662025-12-31RelatedPartyTransactionDomain295430662026-03-31RelatedPartyTransactionDomain295430662026-01-012026-03-31RelatedPartyTransactionDomain305430662025-12-31RelatedPartyTransactionDomain305430662026-03-31RelatedPartyTransactionDomain305430662026-01-012026-03-31RelatedPartyTransactionDomain315430662025-12-31RelatedPartyTransactionDomain315430662026-03-31RelatedPartyTransactionDomain315430662026-01-012026-03-31RelatedPartyTransactionDomain325430662025-12-31RelatedPartyTransactionDomain325430662026-03-31RelatedPartyTransactionDomain325430662026-01-012026-03-31RelatedPartyTransactionDomain335430662025-12-31RelatedPartyTransactionDomain335430662026-03-31RelatedPartyTransactionDomain335430662026-01-012026-03-31RelatedPartyTransactionDomain345430662025-12-31RelatedPartyTransactionDomain345430662026-03-31RelatedPartyTransactionDomain345430662026-01-012026-03-31AuditorDomain15430662026-01-012026-03-31AuditorDomain2iso4217:INRxbrli:pureiso4217:INRxbrli:shares543066SBICARDNOTLISTEDINE018E01016SBI Cards and Payment Services LimitedMain BoardEquity2025-04-012026-03-312026-04-272026-04-22INRCroresQuarterlyFourth quarterSingle segmentCREDIT CARD BUSINESS2026-04-2712:30:002026-04-2714:33:00trueCash Flow IndirectDeclaration of unmodified opiniontruetrueNANAtruetruetrue2026-03-27https://www.sbicard.com/sbi-card-en/assets/docs/pdf/who-we-are/notices/rpt-policy.pdffalsefalseThere is no default on loans and debt securities during the quarter and year ended March 31, 2026.2026-01-012026-03-31AuditedStandalone2381760000000234298000000006040000020372000004934500000025254000005187040000000015761000007136200000323200000409440000000109682000001961320000043711300000815910000008159100000171190000035420000020661000006093000000000060930000006870000061617000009516000000106.46.4006.46.40.0279001. SBI Cards and Payment Services Limited (the 'Company') is a Non-Banking Financial Company registered with the Reserve Bank of India (the ‘RBI’). As per the RBI (Non-Banking Financial Companies – Registration, Exemptions and Framework for Scale Based Regulation) Directions, 2025 dated November 28, 2025, the Company is categorized as NBFC-Middle Layer. Pursuant to the applicability of the Reserve Bank of India (Commercial Banks – Undertaking of Financial Services) Directions, 2025, if lending business is being undertaken by any group entity of the Bank also, the group entity needs to comply with the regulations as applicable on NBFC-UL. Thus, the Company being a group entity of SBI Bank, the Company needs to comply with the regulations as applicable on NBFC-UL. The Company is operationally in compliance with the applicable requirements for NBFC-UL including Prudential Norms on Capital Adequacy and provisions relating to Income Recognition, Asset Classification and Provisioning. <BR> 2. The above audited 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 issued by Reserve Bank of India (RBI) as applicable and relevant to Non-Banking Financial Companies (the 'NBFC Regulations'), as amended from time to time. <BR> The Company has consistently applied its material accounting policies in the preparation of its financial results for the year ended March 31, 2026. <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 April 27, 2026. The financial results for the quarter and the year ended March 31, 2026 have been audited 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.The report thereon is unmodified. <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. <BR> 4. Management has exercised necessary due diligence to ensure that the said comparative financial 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.2025-04-012026-03-31AuditedStandalone99011300000009166230000000073000000075927000001989963000008079900000207076200000000661010000030715800000136250000012128600000004962390000077503400000177944300000291319000000291319000007518300000-53500000746480000021667100000000021667100000785000002174560000095160000001014773900000022.7722.770022.7722.770.027900Business development incentive income2031700000Insurance commission income5500000Business development incentive income7566700000Insurance commission income26000000Operating and other expenses19613200000Operating and other expenses7750340000021036700000216110000028310000000549843600000637373000003144600000642754300000026940000044609000000015796000002000001209000000610500000134821000002052360000066327790000095160000001477390000001572550000001572550000000020232000001512070000006500000029575900000376205400000034856000000284376000004862838000000808010000001165900000019739100000506022900000663277900000Other financial assets3144600000(h) Other non financial assets13482100000Other financial liabilities28437600000Other non financial liabilities11659000000Remeasurements of the defined benefit liabilities / (asset)44700000Gain/(loss) on equity investment through OCI41200000Tax impact on above-1720000068700000Remeasurements of the defined benefit liabilities / (asset)57700000Gain/(loss) on equity investment through OCI41200000Tax impact on above-204000007850000000006870000078500000307158000000-4761000000087198000000-147379000000-315800000-15450000012131000000-219600000013625000004962390000014036000000-4733200000012200000041513000003830000000000014137900000432698000000306218000000771770000004930300000000000009000003364000004734290000051097100000000000000000000065444000000024547000000032500000000020000000000-8422700000205000000006633000002170100000000-11723600000-43386000000-43386000002537530000021036700000SBI Cards and Payment Services Limited******State Bank of India******Holding CompanyAny other transactionFinance charges Borrowing Made Borrowing Repaid270002000000Nil708027100000221954000000198760600000The 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. Issuing & Paying agent for commercial paper issued by the Company- Rs. 0.20 crores.SBI Cards and Payment Services Limited******SBI DFHI Limited******Fellow SubsidiariesAny other transactionFinance charges Borrowing repaid1000000000Nil50000000000SBI Cards and Payment Services Limited******SBI General Insurance company limited******Fellow SubsidiariesAny other transactionFinance charges Borrowing repaid7500000000Nil150000000020589000002137200000Value 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.SBI Cards and Payment Services Limited******SBI Capital markets limited******Fellow SubsidiariesAny other transactionFinance charges20075000000Nil8330000015632000001542000000SBI Cards and Payment Services Limited******State Bank of India******Holding CompanyAny other transactionInterest On FD20000000Nil40000000SBI Cards and Payment Services Limited******State Bank of India******Holding CompanyAny other transactionFixed Deposit made Fixed Deposit matured500000000Nil138000001260000012900000SBI Cards and Payment Services Limited******State Bank of India******Holding CompanyPurchase of goods or services4800000000Nil1290300000386900000579700000SBI Cards and Payment Services Limited******State Bank of India******Holding CompanyAdvanceNil010190000057000000The amount mentioned in the column "Opening Balance and Closing Balance"pertains to GST Input credit to be availed later with regard to various transactions.SBI Cards and Payment Services Limited******State Bank of India******Holding CompanyLoan432000000Nil103000004000001100000Any otherBorrowing[Including Loans{funded/nonfunded,debentures, Commercial Paper}]0.067As per Term sheet/agreementLoan0.45As per agreementUnsecuredCredit Card UsageThe amount of Rs. 43.2 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.SBI Cards and Payment Services Limited******SBI Capital markets limited******Fellow SubsidiariesLoan432000000Nil4000001000000Any otherBorrowing[Including Loans{funded/nonfunded,debentures, Commercial Paper}]0.067As per Term sheet/agreementLoan0.45As per agreementUnsecuredCredit Card UsageThe amount of Rs. 43.2 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.SBI Cards and Payment Services Limited******SBI Life Insurance Company Limited******Fellow SubsidiariesLoan432000000Nil1500000300000100000Any otherBorrowing[Including Loans{funded/nonfunded,debentures, Commercial Paper}]0.067As per Term sheet/agreementLoan0.45As per agreementUnsecuredCredit Card UsageThe amount of Rs. 43.2 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.SBI Cards and Payment Services Limited******SBI Funds Management Limited******Fellow SubsidiariesLoan432000000Nil502000001000000700000Any otherBorrowing[Including Loans{funded/nonfunded,debentures, Commercial Paper}]0.067As per Term sheet/agreementLoan0.45As per agreementUnsecuredCredit Card UsageThe amount of Rs. 43.2 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.SBI Cards and Payment Services Limited******SBI DFHI Limited******Fellow SubsidiariesLoan432000000Nil80000000Any otherBorrowing[Including Loans{funded/nonfunded,debentures, Commercial Paper}]0.067As per Term sheet/agreementLoan0.45As per agreementUnsecuredCredit Card UsageThe amount of Rs. 43.2 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.SBI Cards and Payment Services Limited******SBI Cap Securities Ltd******Fellow SubsidiariesLoan432000000Nil6100000900000400000Any otherBorrowing[Including Loans{funded/nonfunded,debentures, Commercial Paper}]0.067As per Term sheet/agreementLoan0.45As per agreementUnsecuredCredit Card UsageThe amount of Rs. 43.2 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.SBI Cards and Payment Services Limited******SBI Cap Trustee Co. Ltd******Fellow SubsidiariesLoan432000000Nil000Any otherBorrowing[Including Loans{funded/nonfunded,debentures, Commercial Paper}]0.067As per Term sheet/agreementLoan0.45As per agreementUnsecuredCredit Card UsageThe amount of Rs. 43.2 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.SBI Cards and Payment Services Limited******SBI General Insurance company limited******Fellow SubsidiariesLoan432000000Nil10000000Any otherBorrowing[Including Loans{funded/nonfunded,debentures, Commercial Paper}]0.067As per Term sheet/agreementLoan0.45As per agreementUnsecuredCredit Card UsageThe amount of Rs. 43.2 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.SBI Cards and Payment Services Limited******SBI SG GLOBAL SECURITIES SERVICES PRIVATE LIMITED******Fellow SubsidiariesLoan432000000Nil3100000100000300000Any otherBorrowing[Including Loans{funded/nonfunded,debentures, Commercial Paper}]0.067As per Term sheet/agreementLoan0.45As per agreementUnsecuredCredit Card UsageThe amount of Rs. 43.2 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.SBI Cards and Payment Services Limited******SBI FACTORS LIMITED******Fellow SubsidiariesLoan432000000Nil1600000100000100000Any otherBorrowing[Including Loans{funded/nonfunded,debentures, Commercial Paper}]0.067As per Term sheet/agreementLoan0.45As per agreementUnsecuredCredit Card UsageThe amount of Rs. 43.2 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.SBI Cards and Payment Services Limited******INVESTEC CAPITAL SERVICES (INDIA) PRIVATE LIMITED******Promoter group ConstituentLoan432000000Nil1410000021000001800000Any otherBorrowing[Including Loans{funded/nonfunded,debentures, Commercial Paper}]0.067As per Term sheet/agreementLoan0.45As per agreementUnsecuredCredit Card UsageThe amount of Rs. 43.2 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.SBI Cards and Payment Services Limited******SBI PAYMENT SERVICES PRIVATE LIMITED******Fellow SubsidiariesLoan432000000Nil50000000Any otherBorrowing[Including Loans{funded/nonfunded,debentures, Commercial Paper}]0.067As per Term sheet/agreementLoan0.45As per agreementUnsecuredCredit Card UsageThe amount of Rs. 43.2 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.SBI Cards and Payment Services Limited******State Bank Operations Support Services Private Limited******Fellow SubsidiariesLoan432000000Nil1300000100000100000Any otherBorrowing[Including Loans{funded/nonfunded,debentures, Commercial Paper}]0.067As per Term sheet/agreementLoan0.45As per agreementUnsecuredCredit Card UsageThe amount of Rs. 43.2 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.SBI Cards and Payment Services Limited******SBI Pension Funds Private Limited******Fellow SubsidiariesLoan432000000Nil1500000200000200000Any otherBorrowing[Including Loans{funded/nonfunded,debentures, Commercial Paper}]0.067As per Term sheet/agreementLoan0.45As per agreementUnsecuredCredit Card UsageThe amount of Rs. 43.2 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.SBI Cards and Payment Services Limited******SBI Ventures Limited******Fellow SubsidiariesLoan432000000Nil100000000Any otherBorrowing[Including Loans{funded/nonfunded,debentures, Commercial Paper}]0.067As per Term sheet/agreementLoan0.45As per agreementUnsecuredCredit Card UsageThe amount of Rs. 43.2 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.SBI Cards and Payment Services Limited******Key Managerial Personnel/Director******Key Managerial Personnel/DirectorsLoan432000000Nil87000003000001600000Any otherBorrowing[Including Loans{funded/nonfunded,debentures, Commercial Paper}]0.067As per Term sheet/agreementLoan0.45As per agreementUnsecuredCredit Card UsageThe amount of Rs. 43.2 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.SBI Cards and Payment Services Limited******State Bank of India******Holding CompanyAny other transactionConrtibution to Other Fund - NPS23700000Nil1030000016000001700000SBI Cards and Payment Services Limited******SBI General Insurance company limited******Fellow SubsidiariesSale of goods or services5800000Nil300000100000100000SBI Cards and Payment Services Limited******SBI Card Employees Gratuity Fund******other related partyAny other transactionGratuity Fund ContributionNil0370000095200000The value in the Column pertaining to 'Value of the Related Party Transactions as approved by the Audit Committee' will be as per actuarial valuation in line with employee benefit policy.SBI Cards and Payment Services Limited******SBI Foundation******Fellow SubsidiariesInvestmentNil000Investment0NAUnsecuredInvestment in EquitySBI Cards and Payment Services Limited******State Bank of India******Holding CompanyAny other transactionCash and Bank BalancesNil0164839000009714700000This Related Party Transactions denotes Bank Account balance of the Company.SBI Cards and Payment Services Limited******Key Managerial Personnel/Director******Key Managerial Personnel/DirectorsAny other transactionPersonnel costNil2940000000The 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.SBI Cards and Payment Services Limited******State Bank of India******Holding CompanyAny other transactionLease Rental400000Nil10000000SBI Cards and Payment Services Limited******SBI Life Insurance Company Limited******Fellow SubsidiariesAny other transactionFinance Charge7500000000Nil5075000001173780000011495200000The amount mentiond in the column closing Balance pertains to the Debentures (including interest) acquired from secondary market.SBI Cards and Payment Services Limited******SBI Foundation******Fellow SubsidiariesAny other transactionCSR Contribution100000000Nil9000000000SBI Cards and Payment Services Limited******State Bank of India******Holding CompanyDividend paidNil163160000000713785300000AuditedtrueM/s SP Chopra & Cotrue2027-08-31M/s VK Dhingra & Cotrue2026-05-31