The corporate’s working revenue (earlier than provisions and contingencies) grew 40% YoY to Rs 32,862 crore.
The revenue reported throughout the quarter was highest-ever for the financial institution, which got here on the again of wholesome mortgage development.
The lender’s web curiosity margin stood at 2.99% in Q3FY26, whereas home NIM got here in at 3.12%. For the 9 months ended December 2025, home NIM was 3.08%.
Asset high quality continued to enhance, with the gross NPA ratio declining to 1.57%, down 50 foundation factors YoY. Web NPA ratio improved to 0.39%, decrease by 14 foundation factors.
Provision protection ratio, together with AUCA, stood at 92.37%, whereas PCR excluding AUCA was 75.54%. Slippage ratio for the quarter remained contained at 0.40%, and credit score value stood at 0.29%.
On the steadiness sheet entrance, SBI’s whole enterprise crossed Rs 103 lakh crore, with deposits exceeding Rs 57 lakh crore and advances crossing Rs 46 lakh crore. The financial institution’s advances grew 15% YoY, led by home advances development of 15%. Retail advances rose 16%, with all sub-segments reporting double-digit development. SME advances expanded sharply by 21%, whereas agricultural advances grew 16% and retail private loans elevated 15%. Company advances additionally recorded a wholesome development of 13%.
Deposits grew 9% YoY, with CASA deposits rising 9%. The CASA ratio stood at 39.13% as of December 2025, whereas retail time period deposits grew 14%, reflecting sustained traction in legal responsibility mobilisation.
The financial institution’s capital place remained snug, with the capital adequacy ratio at 14.04% and CET-1 ratio at 10.99%. Digital adoption additionally remained sturdy, with over 68% of financial savings financial institution accounts opened by Yono in Q3 and alternate channels accounting for almost 98.6% of whole transactions throughout the nine-month interval.
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