CRISIL

CARE

SBI Debit Card Charges: With effect from April 1, 2024, SBI will levy Rs 75 more (excluding GST) from its customers holding debit cards as annual maintenance charges, according to the bank’s website, sbi.co.in. The existing annual maintenance charges of Rs 125 plus GST applicable to SBI's Classic, Silver, Global and Contactless debit cards will be revised to Rs 200 plus GST from the new financial year. Similarly, the bank will revise the maintenance fees for Yuva, Gold and Combo Debit cards from Rs 175 plus GST to Rs 250 plus GST.

SBI Debit Card Charges

The country’s largest lender, State Bank of India (SBI), expects to deploy $1.5 billion in funding that it has tied up over the next four months of the ongoing financial year (2024-25) in international operations. It has firmed up funds — $500 million through bonds (notes) and another tranche of $1 billion through syndicated loans. In rupee terms, SBI’s gross advances in its international book grew by 11.56 per cent year-on-year (Y-o-Y) to Rs 5.88 trillion. External commercial borrowings (ECBs), local credit, and trade finance businesses are major drivers of customer credit. The growth in customer credit is primarily contributed by the New York, Gujarat International Finance Tec-City, Hong Kong, Dubai International Financial Centre, and London branches. It has a pipeline of proposals worth $3–4 billion for disbursement in international business. Indian corporates, including non-banking financial companies, filed proposals in September 2024 with the Reserve Bank of India (RBI) to raise $4.84 billion through ECBs. Of this, the intent through the automatic route amounted to $3.77 billion, and the approval route was $1.06 billion, according to RBI data.

State Bank of India to channel $1.5 billion in global book in 4 months

State Bank of India (SBI), Hyderabad Circle, has launched a comprehensive Cyber Fraud Awareness initiative across Telangana covering a wide range of public spaces—including educational institutions, NGOs, government and corporate offices, malls, metro stations, and parks—with the goal of educating citizens about digital threats and financial safety. SBI’s outreach efforts have been designed to target all segments of society and promote awareness against cyber fraud. To deepen its impact, SBI flagged off three mobile publicity vans from its Local Head Office in Koti at an event led by S Radhakrishnan, Chief General Manager (CGM) of SBI Hyderabad Circle, along with General Managers Ravi Kumar Verma and Satish Kumar.

SBI launches cyber fraud awareness drive across Telangana

SBI’s consolidated CET1 ratio rose to 11.47% in 2QFY26, bolstered by a ₹250 billion capital raise and profitable non-core asset monetization. Ind-Ra confirms SBI has strong market access and sufficient buffers to absorb credit stress while maintaining profitability, with no risk to coupon or principal payments.


The issuer has mad timely interest payment.

Challa Sreenivasulu Setty, Chairman

As of September 2025, State Bank of India (SBI) is India's systemic leader with a 55.5% government stake. Operating the nation's largest network of 23,050 branches, it commands 22.5% of deposits, 19.4% of advances, and a dominant 28% share in housing loans. Strategically vital, SBI also leads in digital infrastructure—managing 30% of India's ATMs and 27% of mobile banking volume—while maintaining a strong 39.63% CASA ratio for low-cost funding.


As of late 2025, State Bank of India (SBI) is India's dominant lender, held 55.5% by the government. Operating 23,050 branches, it controls 22.5% of deposits and 19.4% of advances, with market leadership in housing loans (28%) and ATMs (30%). Financially, it is at a peak: by 1HFY26, Gross NPA fell to 1.73% and Net NPA to 0.42%, supporting a steady 1.1% Return on Assets. Its quasi-sovereign status and profitable subsidiaries ensure its role as a stable pillar of the Indian economy.

As of late 2025, the government-backed State Bank of India (SBI) anchors the nation's economy with a 22.5% deposit share and 28% of the housing loan market. By 1HFY26, the bank achieved peak financial health, reporting a Net NPA of just 0.42% and a consistent 1.1% Return on Assets. Leveraging its 23,050 branches and the YONO app—which proce

SBI targets 12%–14% credit growth for FY26, fueled by retail demand from rate cuts and tax reliefs. While NIM is currently compressed at 2.93%, a "U-shaped" recovery to 3%+ is expected via CRR cuts and better liquidity. To maintain an ROA >1% and ROE >15%, the bank aims to lower its cost-to-income ratio to 50%–51% through fee income, treasury gains, and ₹80 billion in recoveries.


Rating agency	Rating	Needle position
CRISIL	AAA Stable	near High Safety
CARE	AAA Stable	near High Safety

Security Name: 6.80% State Bank Of India 21 Aug 2035

ISIN: INE062A08231

YOUR EARNING

YOUR RISK

Repayment Priority

Security with Collateral?

LIQUIDITY INDICATOR #

ISSUER

Recent News

Related Videos

STEPS TO BUY THIS BOND

Information required for KYC

How to exit the investment?