Key Financial Results (Standalone)

  • Interest earned: ₹1,27,896.46 crore (Q1 FY27) vs ₹1,17,830.28 crore (Q1 FY26)
  • Other income: ₹15,922.69 crore (Q1 FY27) vs ₹17,511.28 crore (Q1 FY26)
  • Total income: ₹1,43,819.15 crore (Q1 FY27) vs ₹1,35,341.56 crore (Q1 FY26)
  • Interest expended: ₹80,904.02 crore (Q1 FY27) vs ₹76,923.39 crore (Q1 FY26)
  • Operating expenses: ₹29,385.95 crore (Q1 FY27) vs ₹27,873.70 crore (Q1 FY26)
  • Operating profit: ₹33,529.18 crore (Q1 FY27) vs ₹30,544.47 crore (Q1 FY26)
  • Provisions and contingencies: ₹5,046.77 crore (Q1 FY27) vs ₹4,759.20 crore (Q1 FY26)
  • Profit before tax: ₹28,482.41 crore (Q1 FY27) vs ₹25,785.27 crore (Q1 FY26)
  • Tax expense: ₹7,361.19 crore (Q1 FY27) vs ₹6,624.83 crore (Q1 FY26)
  • Net profit: ₹21,121.22 crore (Q1 FY27) vs ₹19,160.44 crore (Q1 FY26)

Key Financial Results (Consolidated)

  • Total income: ₹1,80,061.86 crore (Q1 FY27) vs ₹1,66,991.82 crore (Q1 FY26)
  • Net profit after minority interest: ₹24,113.00 crore (Q1 FY27) vs ₹21,201.47 crore (Q1 FY26)

Key Metrics and Ratios (Standalone)

  • Capital adequacy ratio (Basel III): 15.67% (vs 14.63% in Q1 FY26)
  • CET 1 ratio: 12.89% (vs 11.10% in Q1 FY26)
  • Gross NPA ratio: 1.47% (vs 1.83% in Q1 FY26)
  • Net NPA ratio: 0.38% (vs 0.47% in Q1 FY26)
  • Return on assets: 1.11% (vs 1.14% in Q1 FY26)
  • EPS (basic and diluted): ₹22.88 (Q1 FY27) vs ₹21.47 (Q1 FY26)
  • Government of India shareholding: 55.03%
  • Provision Coverage Ratio: 74.20% (91.82% with AUCA)

Balance Sheet Highlights (Standalone)

  • Deposits: ₹60,05,805.24 crore (vs ₹54,73,253.70 crore in Q1 FY26)
  • Advances: ₹49,92,003.69 crore (vs ₹41,96,205.12 crore in Q1 FY26)
  • Investments: ₹18,03,425.81 crore (vs ₹16,83,493.90 crore in Q1 FY26)
  • Borrowings: ₹7,68,854.15 crore (vs ₹5,37,749.18 crore in Q1 FY26)
  • Total assets: ₹76,62,284.97 crore (vs ₹67,68,504.78 crore in Q1 FY26)

Regulatory and Compliance Matters

  • The Bank transferred the entire balance in Investment Fluctuation Reserve (IFR) of ₹11,522.30 crore to General Reserve during the quarter, following RBI's Commercial Banks Classification, Valuation, and Operation of Investment Portfolio Second Amendment Directions, 2026 dated May 18, 2026.
  • Provision of ₹284.89 crore held for Unhedged Foreign Currency Exposures as of June 30, 2026.
  • Statement of Deviation/Variation under Regulation 32 and Regulation 52(7)/52(7A) of SEBI (LODR) Regulations, 2015 enclosed - no deviations reported.
  • Security Cover Certificate as on June 30, 2026 on non-convertible debt securities under Regulation 54(3) enclosed.
  • Outstanding domestic bonds (non-convertible debt securities) as of June 30, 2026: ₹1,63,408 crore across 23 issuances.

Loan Transfer and Acquisition Activities

Domestic Sale of NPAs:

  • Transferred 6 accounts to ARCs with aggregate principal outstanding of ₹247.98 crore for consideration of ₹139.78 crore
  • Transferred 4 accounts to permitted transferees with aggregate principal outstanding of ₹49.60 crore for consideration of ₹34.41 crore

Overseas Sale of Loans (not in default):

  • Transferred 3 accounts through assignment with aggregate principal outstanding of ₹482.59 crore
  • Transferred 4 accounts through loan participation with aggregate principal outstanding of ₹2,038.13 crore

Domestic Purchase of Loans:

  • Purchased secured SME and Agri loans from NBFCs/HFCs: ₹4,492.01 crore (consideration ₹3,975.93 crore)
  • Purchased unsecured SME loans: ₹730.88 crore (consideration ₹630.72 crore)

Investor Relations

  • Investor complaints received during quarter: 138
  • Investor complaints resolved during quarter: 138
  • Unresolved complaints at quarter end: Nil

Management and Approval Details

  • Central Board Meeting held on August 7, 2026 from 10:00 am to 1:30 pm
  • Results approved by: Challa Sreenivasulu Setty (Chairman), Ravi Ranjan (Managing Director), Rama Mohan Rao Amara (Managing Director), Rana Ashutosh Kumar Singh (Managing Director), Ashwini Kumar Tewari (Managing Director)
  • Results reviewed by multiple statutory auditors including RGN Price & Co., Varma & Varma, OP Bagla & Co LLP, and others

Subsidiary and Associate Updates

  • SBI Life Insurance allotted 1,48,413 equity shares, reducing SBI's stake from 55.33% to 55.32%
  • SBI Cards allotted 14,257 equity shares
  • Yes Bank allotted 70,05,172 equity shares
  • SBI Macquarie Infrastructure Management Pvt. Ltd. and SBI Macquarie Infrastructure Trustee Pvt. Ltd. initiated voluntary liquidation process effective April 1, 2026

The financial results have been prepared in accordance with Accounting Standard (AS-25), Banking Regulation Act, 1949, RBI guidelines, and SEBI (LODR) Regulations, 2015.