SBI Q4 FY26 Results: Net Profit Rises 5.6% to ₹19,684 Cr

SBI Declares ₹17.35 Dividend

SBI’s Central Board has declared an equity dividend of ₹17.35 per share for the financial year ended March 31, 2026.

This represents a 1735% dividend payout on the face value of the share. Shareholders whose names appear in the records on May 16, 2026 will be eligible for the dividend. The bank has scheduled the dividend payment for June 4, 2026.

Interest Income and Net Interest Income

SBI’s interest income for Q4 FY26 rose by 3% year-on-year to ₹1,23,098 crore, compared with ₹1,19,509 crore in Q4 FY25.

The bank’s interest expenses stood at ₹78,718 crore during the quarter, compared with ₹76,892 crore in the same period last year.

As a result, SBI’s Net Interest Income, or NII, stood at ₹44,380 crore in Q4 FY26, up 4.13% YoY from ₹42,618 crore in Q4 FY25.

For the full year, NII increased to ₹1,73,120 crore, compared to ₹1,66,340 crore in FY25, reflecting a growth of 4.08%.

The bank’s Whole Bank Net Interest Margin for the year stood at 2.91%.

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Operating Profit Shows Full-Year Growth

SBI’s operating profit for the full year FY26 increased by 11.25% to ₹1,23,015 crore, compared with ₹1,10,579 crorein FY25.

However, for Q4 FY26, operating profit stood at ₹27,704 crore, down 11.45% from ₹31,286 crore in Q4 FY25.

Despite the quarterly decline in operating profit, the bank’s full-year profitability remained strong, helped by steady income growth, healthy loan expansion and improving asset quality.

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Advances Grow Strongly Across Segments

SBI reported strong credit growth during FY26, with Whole Bank advances increasing 16.87% year-on-year.

The bank’s gross advances stood at ₹49.32 trillion as of March 2026. Growth was supported by strong expansion across multiple segments.

Key growth areas included:

• Foreign office advances: up 20.01% YoY
• SME advances: up 20.99% YoY
• Agriculture advances: up 19.68% YoY
• Corporate advances: up 14.83% YoY

The broad-based loan growth shows that SBI continued to benefit from credit demand across retail, agriculture, small businesses and corporate borrowers.

Asset Quality Remains Comfortable

SBI also reported improvement in asset quality on a net basis.

The bank’s Gross NPA ratio stood at 1.49%, while the Net NPA ratio improved to 0.39%.

A lower Net NPA ratio indicates that the bank has maintained control over bad loans after provisioning. This remains an important indicator for investors and analysts, as asset quality directly affects banking profitability and future provisioning requirements.

The scale reinforces SBI’s position as India’s largest bank and one of the most important players in the country’s financial system.

SBI’s Q4 FY26 results show steady profit growth, strong loan expansion and a healthy deposit base, even as operating profit came under pressure during the quarter. The bank’s annual profit crossing ₹80,000 crore is a major milestone, while investors will continue to track margins, credit growth, asset quality and share price movement in the coming quarters.

Check these Q4 Results Too:

PNB Q4 Results: Net Profit Rises to ₹5,225 Cr; ₹3 Dividend Declared

SK Finance Q4 Results: Reports ₹431 Crore PAT in FY26, AUM Rises to ₹15,755 Crore

IDBI Bank Q4 FY26 Results: Net Profit Falls 5% to ₹1,943 Crore

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