SBI Q4 Results FY26: Net Profit Jumps 5.6% to ₹19,684 Crore, Annual Profit Crosses ₹80,000 Crore Milestone

By Kaushik Brahmakshatriya

Published On 08 May 2026.

SBI Q4 Results FY26

India’s largest public sector lender, State Bank of India (SBI), declared its fourth quarter results for the financial year 2025-26 (Q4 FY26) on May 8, 2026. The numbers paint a picture of steady growth — the bank posted a net profit of ₹19,684 crore for the quarter and achieved a historic milestone by crossing the ₹80,000 crore annual profit mark for the very first time. Here is a complete breakdown of everything you need to know.

SBI Q4 FY26 – Key Highlights at a Glance

Metric	Q4 FY26	Q4 FY25	YoY Change
Net Profit (Standalone)	₹19,684 crore	₹18,643 crore	+5.58% ▲
Net Interest Income (NII)	₹1,23,097 crore	₹1,19,509 crore	+3% ▲
Total Income	₹1,40,412 crore	₹1,43,876 crore	Marginal ▼
Gross NPA Ratio	1.49%	1.82%	Improved ▼
Net NPA Ratio	0.39%	0.47%	Improved ▼
Annual Net Profit (FY26)	₹80,032 crore	₹70,901 crore	+12.88%
Dividend Declared	₹17.35 per share	₹15.90 per share	Higher

Net Profit Analysis – A Steady Rise

SBI’s standalone net profit for Q4 FY26 came in at ₹19,684 crore, reflecting a year-on-year growth of 5.58% over ₹18,643 crore posted in the same quarter of the previous financial year. While the number missed some brokerage estimates — which had pegged expectations between ₹18,700 crore and ₹20,116 crore — it still represents consistent forward momentum for the bank.

On a full-year basis, the story is far more impressive. SBI’s net profit for FY26 stood at ₹80,032 crore, growing 12.88% from ₹70,901 crore in FY25. This is the first time in the bank’s history that its annual standalone profit has crossed the ₹80,000 crore threshold — a landmark moment for Indian banking.

Asset Quality Improves Significantly

One of the strongest highlights from SBI’s Q4 FY26 results is the meaningful improvement in asset quality — a critical metric that reflects the health of a bank’s loan book.

Gross NPA Falls to 1.49%

The Gross Non-Performing Assets (NPA) ratio declined sharply to 1.49% of total advances in Q4 FY26, compared to 1.82% at March-end 2025. This reduction of 33 basis points year-on-year signals that SBI has done a commendable job tightening credit quality and recovering bad loans.

Net NPA Drops to 0.39%

The Net NPA ratio also improved to 0.39%, down from 0.47% in the same period last year. A net NPA below 0.40% is considered strong by industry standards and reflects provisioning discipline and active recovery efforts.

Business Growth – Advances and Deposits

SBI’s total business crossed the remarkable ₹109 trillion mark during this quarter, underscoring the scale of the institution.

* Gross Advances grew at a robust 16.87% year-on-year to ₹49.32 trillion as of March 2026.

* Total Deposits grew by 11.03% to ₹59.75 trillion.

* Among loan segments, SME advances surged 20.99%, Agri advances grew 19.68%, and Corporate advances expanded 14.83% year-on-year.

* Foreign Office advances led growth with a 20.01% YoY jump, showing SBI’s strengthening international footprint.

This broad-based credit expansion across retail, agriculture, corporate, and international segments demonstrates that SBI’s growth is not confined to any single segment.

Dividend Declared – ₹17.35 Per Share

SBI’s Board declared a dividend of ₹17.35 per equity share (face value ₹1) for the financial year 2025-26. This is higher than the ₹15.90 per share declared for FY25, offering a better return to shareholders and reflecting the bank’s confidence in its financial position. The eligible shareholders will be determined based on the record date to be announced shortly.

SBI Share Price Reaction

Despite strong annual numbers, SBI shares fell sharply on the day of the results announcement. The stock dropped to an intraday low of around ₹1,010.9 on the NSE — a fall of roughly 7.4% from the previous close of ₹1,092. This reaction was largely driven by the quarterly profit missing some analysts’ higher estimates and concerns about a marginal decline in total income for the quarter. Such post-result corrections are common when market expectations are set high going into the announcement.

Return on Assets (ROA) and Return on Equity (ROE)

For the full financial year FY26, SBI reported:

Return on Assets (ROA): 1.12%

Return on Equity (ROE): 18.57%Both metrics underscore strong capital efficiency and the bank’s ability to generate healthy returns for its shareholders on a sustained basis.

Operating Profit Crosses ₹1.23 Lakh Crore

SBI’s operating profit for FY26 rose 11.25% to ₹1,23,015 crore, up from ₹1,10,579 crore in FY25. This indicates that the bank’s core banking operations — before provisioning — are getting stronger every year, which is a healthy sign for long-term profitability.

Overall Outlook

SBI enters FY27 from a position of considerable strength. The record-breaking ₹80,000+ crore profit, improving NPA ratios, strong loan growth, and higher dividend payouts all point toward a fundamentally resilient institution. The near-term challenge remains sustaining net interest margins (NIM) in a rate-cut environment, where the RBI’s 25 bps rate reduction has put mild pressure on spreads. However, with a diversified loan book, a massive deposit base, and improving credit quality, SBI appears well-positioned for continued performance.

FAQ – SBI Q4 FY26 Results (People Also Ask)

Q1. What was SBI’s net profit in Q4 FY26?

SBI reported a standalone net profit of ₹19,684 crore in Q4 FY26, which is a 5.58% increase compared to ₹18,643 crore in Q4 FY25.

Q2. What dividend has SBI declared for FY26?SBI’s Board has declared a dividend of ₹17.35 per equity share (face value ₹1) for the financial year 2025-26.

Q3. What is SBI’s Gross NPA ratio for Q4 FY26?

SBI’s Gross NPA ratio improved to 1.49% in Q4 FY26, down from 1.82% in the same quarter last year, reflecting better asset quality.

Q4. What was SBI’s total annual profit for FY26?

SBI’s standalone net profit for the full year FY26 was ₹80,032 crore — the first time in the bank’s history that annual profit has crossed the ₹80,000 crore mark.

Q5. Why did SBI’s share price fall after Q4 results?

SBI’s share price dropped approximately 7.4% on the results day as the quarterly profit marginally missed some analyst estimates and total income for the quarter showed a slight decline year-on-year, triggering profit-booking by investors.

Q6. How much did SBI’s gross advances grow in FY26?

SBI’s gross advances grew strongly at 16.87% year-on-year to ₹49.32 trillion as of March 2026.

Q7. What is SBI’s Net NPA ratio for Q4 FY26?SBI’s Net NPA ratio stood at 0.39% in Q4 FY26, improved from 0.47% in Q4 FY25.

Q8. What is SBI’s Return on Equity (ROE) for FY26?

SBI reported a Return on Equity (ROE) of 18.57% for the full financial year FY26.

Disclaimer

This blog does not provide financial, investment, or trading advice. All content is for educational and informational purposes only. Please consult a certified financial advisor before making any investment decisions. The author will not be responsible for any financial losses incurred