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SBI Cards And Payment Services Ltd.

FinanceFinance - NBFC

www.sbicard.com BSE: 543066NSE: SBICARD

₹566.10BSE2.74%

22 Oct, 4:01 PM

₹566.10

₹53.87K Cr

23.68

3.29

14.70%

₹570.70

₹545.45

₹964.95

₹545.45

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Price Performance

Peer Comparison

Name
BAJFINANCE BAJFINANCE	939.95	28.83	5,85,208.57	0.64	5,536.10	30.24%	20,890.66	22.87%	11.49
SHRIRAM TRAN SHRIRAMFIN	900.00	18.76	2,11,777.81	1.20	3,444.56	59.79%	13,393.68	16.11%	11.50
JIOFIN JIOFIN	211.00	167.12	1,39,326.29	0.28	575.34	26.05%	677.72	30.21%	2.85
CHOLAFIN CHOLAFIN	1,533.40	22.92	1,31,490.71	0.13	1,653.59	45.57%	8,833.38	21.93%	9.70
TATACAP TATACAP	309.00	36.00	1,31,166.45	0.19	999.44	75.93%	6,334.12	13.62%	8.17
BAJ HOLD INV BAJAJHLDNG	11,261.00	41.49	1,25,327.62	1.73	344.09	-83.10%	386.29	31.06%	21.33
ABCAPITAL ABCAPITAL	356.70	29.36	97,663.81	0.00	893.06	32.17%	4,990.04	24.44%	8.75
SBI Cards And Payment Services Ltd. SBICARD	566.10	23.68	53,872.55	0.44	664.44	19.51%	5,040.55	3.36%	11.75

Quarterly Results

consolidated figures in ₹ Crores · Quarterly

Particulars	Sep 2022	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	3,297.08	4,358.64	4,421.04	4,618.69	4,673.95	4,876.92	4,960.98	5,127.26	4,934.50	5,040.55
Expenses	2,341.38	2,867.22	3,172.58	3,371.53	3,319.64	3,439.18	3,741.63	3,785.36	3,625.19	3,537.19
	955.70	1,491.42	1,248.46	1,247.16	1,354.31	1,437.74	1,219.35	1,341.90	1,309.31	1,503.36
	28.99%	34.22%	28.24%	27.00%	28.98%	29.48%	24.58%	26.17%	26.53%	29.83%
	156.24	123.95	134.78	147.87	157.79	158.47	175.50	226.16	252.54	164.81
Interest	367.71	766.83	787.68	828.64	795.26	812.82	760.07	785.07	713.62	744.53
	38.58	49.37	50.35	48.76	-1.69	35.03	35.01	33.88	32.32	30.51
	705.65	799.17	545.21	517.63	718.53	748.36	599.77	749.11	815.91	893.13
	25.51%	25.62%	25.82%	25.96%	25.66%	25.71%	25.84%	25.69%	25.32%	25.61%
	525.64	594.45	404.42	383.23	534.18	555.96	444.77	556.64	609.30	664.44
	5.57	6.25	4.25	4.03	5.61	5.84	4.67	5.85	6.40	6.98

Profit & Loss

consolidated figures in ₹ Crores · Annual

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
INCOME :
Operating Income	10,677.27	13,666.64	16,968.42	18,072.22	19,899.63
Operating Income (Net)	10,677.27	13,666.64	16,968.42	18,072.22	19,899.63
EXPENDITURE :
Employee Cost	472.71	561.89	569.69	589.56	661.01
Operating & Establishment Expenses	2,285.30	3,033.46	3,505.04	2,772.57	3,810.81
Administrations & Other Expenses	2,368.70	2,940.09	3,247.82	3,579.33	4,001.61
Provisions and Contingencies	2,907.00	2,271.81	3,419.79	5,024.66	5,136.10
	8,033.71	8,807.25	10,742.34	11,966.12	13,609.53
Operating Profit (Excl OI)	2,643.56	4,859.39	6,226.08	6,106.10	6,290.10
	1,180.50	619.03	515.08	564.93	807.99
	3,824.06	5,478.42	6,741.16	6,671.03	7,098.09
Interest	1,503.34	2,284.04	3,312.61	3,943.53	4,048.65
	148.56	163.81	196.75	146.82	136.25
Profit Before Taxation & Exceptional Items	2,172.16	3,030.57	3,231.80	2,580.68	2,913.19
	2,172.16	3,030.57	3,231.80	2,580.68	2,913.19
Provision for Tax	556.02	772.10	823.92	664.27	746.48
	1,616.14	2,258.47	2,407.88	1,916.41	2,166.71
Extra items				0.00	0.00
Consolidated Net Profit	1,616.14	2,258.47	2,407.88	1,916.41	2,166.71
Profit Balance B/F	3,418.78	4,481.06	6,042.02	7,728.02	9,021.69
Appropriations	5,034.92	6,739.53	8,449.90	9,644.43	11,188.40
Equity Dividend %	25.00%	25.00%	25.00%	25.00%	25.00%
	17.14	23.87	25.32	20.14	22.77
Adjusted EPS	17.14	23.87	25.32	20.14	22.77

Balance Sheet

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
	943.18	946.07	950.97	951.36	951.60
Share Warrants & Outstandings	47.97	40.13	12.79	15.41	15.12
Total Reserves	6,761.55	8,843.85	11,120.27	12,814.95	14,758.78
Reserve excluding Revaluation Reserve	6,761.55	8,843.85	11,120.27	12,814.95	14,758.78
	7,752.70	9,830.05	12,084.03	13,781.72	15,725.50
Unsecured Loans	7,487.20	7,966.75	7,897.87	6,483.30	6,443.19
Deferred Tax Assets / Liabilities	-218.53	-246.67	-354.61	-442.78	-446.09
Long Term Provisions	159.45	188.98	194.54	209.80	254.66
Total Non-Current Liabilities	7,428.12	7,909.06	7,737.80	6,250.32	6,251.76
Trade Payables	1,116.80	1,395.42	1,507.71	1,592.91	1,714.39
Other Current Liabilities	2,319.08	2,572.48	4,052.78	4,547.86	4,016.16
Short Term Borrowings	15,495.26	23,142.87	31,993.21	38,463.31	37,620.54
Short Term Provisions	317.94	449.01	441.09	466.90	553.35
Total Current Liabilities	19,249.08	27,559.78	37,994.79	45,070.98	43,904.44
Total Liabilities	34,429.90	45,298.89	57,816.62	65,103.02	65,881.70
Loans (Non - Current Assets)	30,187.25	39,360.98	49,078.95	53,934.62	54,984.36
Gross Block	831.51	1,067.66	1,195.45	1,036.48	1,062.86
Less: Accumulated Depreciation	392.05	516.70	653.35	716.36	843.85
Net Block	439.46	550.96	542.10	320.12	219.01
Capital Work in Progress	0.49	6.06	0.10	0.15	0.02
Non Current Investments	418.88	1,572.08	2,504.15	4,228.35	4,556.64
Long Term Investment	418.88	1,572.08	2,504.15	4,228.35	4,556.64
Long Term Loans & Advances	61.30	30.81	21.97	28.58	33.80
Total Non-Current Assets	31,121.13	41,537.52	52,169.48	58,521.81	59,805.92
Currents Investments	878.31	567.61	1,014.98	2,006.75	1,817.09
Sundry Debtors	168.47	142.16	243.08	235.50	283.10
Cash and Bank	1,106.39	1,354.47	2,729.62	2,738.19	2,319.78
Other Current Assets	789.52	1,098.89	1,158.59	1,195.16	1,107.89
Short Term Loans and Advances	366.08	598.24	500.87	405.61	547.92
Total Current Assets	3,308.77	3,761.37	5,647.14	6,581.21	6,075.78
Net Current Assets (Including Current Investments)	-15,940.31	-23,798.41	-32,347.65	-38,489.77	-37,828.66
Total Assets	34,429.90	45,298.89	57,816.62	65,103.02	65,881.70
Contingent Liabilities	68.20	87.27	81.43	74.11	75.50
Total Debt	22,982.46	31,109.62	39,891.08	44,946.61	44,063.73
	81.69	103.48	126.94	144.70	165.09
Adjusted Book Value	81.69	103.48	126.94	144.70	165.09

Cash Flow

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
	2,172.16	3,030.57	3,231.80	2,580.68	2,913.19
Adjustment	3,456.01	3,970.18	12,847.51	16,096.61	16,368.86
Changes In working Capital	-8,621.29	-11,322.91	-18,192.55	-16,910.81	-14,955.07
Cash Flow after changes in Working Capital	-2,993.12	-4,322.16	-2,113.24	1,766.48	4,326.98
Cash Flow from Operating Activities	-4,391.46	-6,670.51	-5,653.38	-2,140.46	493.03
Cash Flow from Investing Activities	-538.12	-921.44	-1,254.93	-2,490.57	245.47
Cash Flow from Financing Activitie	5,044.54	7,823.58	8,400.57	4,686.51	-1,172.36
Net Cash Inflow / Outflow	114.96	231.63	1,492.26	55.48	-433.86
Opening Cash & Cash Equivalents	643.20	758.16	989.79	2,482.05	2,537.53
Closing Cash & Cash Equivalent	758.16	989.79	2,482.05	2,537.53	2,103.67

Ratios

Valuation

23.68

3.29

15.44

2.80

23.91

172.07

Profitability

14.70

11.75

3.31

31.61

10.89

Leverage & Liquidity

2.80

0.14

1.72

Returns

0.44

0.30

Banking Metrics

2.41

1.04

Shareholding Pattern

Numbers in percentages

Particulars	Jun '24	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	Mar '26	Jun '26	Sep '26
	68.62	68.61	68.60	68.60	68.59	68.59	68.58	68.92	68.86	68.86
	25.26	25.93	25.99	27.10	27.73	27.86	28.00	27.66	27.12	27.32
	6.12	5.47	5.41	4.30	3.68	3.55	3.42	3.42	4.03	3.83
	31.38	31.39	31.40	31.40	31.41	31.41	31.42	31.08	31.14	31.14
No. of Shareholders	10,19,117	9,48,916	9,37,270	8,47,672	7,74,642	7,50,786	7,18,342	7,05,597	7,29,862	7,17,215

Mutual Funds Invested(146)

Based on each fund's latest monthly portfolio · Sep 2026

A total of 78 active funds hold 12.82% in SBI Cards And Payment Services Ltd., contributing to ₹7.05K Cr of holdings

Fund				As of
IP ICICI Prudential Large & Mid Cap Fund - Growth - Direct PlanLarge & Mid Cap	1,539.69	4.87	2,66,35,917	Sep '26
IP ICICI Prudential Multi Asset Allocation Fund - Growth - Direct PlanHybrid - Multi Asset Allocation	1,208.71	1.44	2,09,10,198	Sep '26
IP ICICI Prudential India Opportunities Fund - Growth - Direct PlanEquity - Thematic Fund - Other	440.64	1.21	76,22,846	Sep '26
NI Nippon India Multi Cap Fund - Growth - Direct PlanMulti Cap Fund	378.78	0.70	65,52,665	Sep '26
IP ICICI Prudential Banking & Financial Services Fund - Growth - Direct PlanBanks & Financial Services	332.48	3.09	57,51,671	Sep '26
NI Nippon India Focused Fund - Growth - Direct PlanEquity - Focused Fund	270.39	3.35	46,77,569	Sep '26
TA Tata Large & Mid Cap Fund - Growth - Direct PlanLarge & Mid Cap	265.90	3.67	46,00,000	Sep '26
NI Nippon India Large Cap Fund - Growth - Direct PlanLarge Cap Fund	250.86	0.49	43,39,814	Sep '26
NI Nippon India Banking & Financial Services Fund - Growth - Direct PlanBanks & Financial Services	247.21	3.36	42,76,669	Sep '26
SB SBI Large & Midcap Fund - Growth - Direct PlanLarge & Mid Cap	178.04	0.44	30,80,000	Sep '26

Corporate Actions

Showing: All

Date	Type	Details
2026-10-19	Board Meeting	Quarterly Results
2026-07-17	Board Meeting	Quarterly Results
2026-04-22	Board Meeting	Audited Results

Insider Trading

Date	Person	Category	Transaction Type	Shares	Value (₹)

No insider trading data available.

Sector Overview

FinanceFinance - NBFC

SBI Cards And Payment Services Ltd. operates in the Finance sector under the Finance - NBFC industry. This sector is one of the key drivers of the Indian economy and is closely tracked by the relevant Nifty sectoral index.

Company Profile

Corporate information and contact details

Key Management

8 members across the board and senior leadership

Payal Mittal Chhabra

Company Secretary & Chief Compliance Officer

—

Challa Sreenivasulu Setty

Chairman

—

Ashwini Kumar Tewari

Nominee Director - SBI

—

Salila Pande

Managing Director & Chief Executive Officer

₹1.35 Cr

Mar '26

Shriniwas Yeshwant Joshi

Non Executive Independent Director

—

Rajnikant Patel

Non Executive Independent Director

—

Anuradha Rao

Non Executive Independent Director

—

Parvathy Vairava Sundaram

Non Executive Independent Director

—

SBICARD Latest News

News

8 of 8 articles

EQUITY19 Oct 2026 · 12:24

SBI Cards and Payment Services informs about conference call

EQUITY19 Oct 2026 · 10:47

SBI Cards and Payment Services informs about board meeting

COMPANY15 Oct 2026 · 17:47

SBI Cards, Eternal launch co-branded ‘Eternal SBI Card’

Cardholders get a 10% instant discount on transactions on Zomato, District, and Blinkit and a 5% instant discount on purchases under all other categories on Blinkit

EQUITY18 Sept 2026 · 14:14

SBI Cards and Payment Services informs about ESG rating

COMPANY30 Jul 2026 · 09:58

SBI Card, Google Pay launch co-branded 'Google Pay Flex SBI Card'

The Google Pay Flex SBI Card is designed to simplify and elevate the everyday payment experience, delivering a convenient blend of rewards, flexibility, and security

EQUITY17 Jul 2026 · 17:24

SBI Cards and Payment Services informs about analyst meet

EQUITY24 Jun 2026 · 17:16

SBI Cards and Payment Services informs about allotment of equity shares

EQUITY22 Jun 2026 · 17:24

SBI Cards and Payment Services informs about outcome of board meeting

SBICARD

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