SBI Cards Q4 PAT Rises 14% YoY to ₹609 Crore

SBI Cards reported Q4 FY26 PAT of ₹609 crore, up 14% YoY, with full-year PAT at ₹2,167 crore, a 13% increase.
Gross credit cost improved to 7.7% and GNPA reduced to 2.41% as asset quality continued to improve for the sixth consecutive quarter.
Total spends reached a record ₹4.3 trillion in FY26, with a market share of 18.1%, while cards-in-force market share stood at 18.6%.
The company declared an interim dividend of ₹2.50 per share and maintained a capital adequacy ratio of 25.5% with ₹220 crore in ECL overlay provisions.