SBI Cards and Payment Services Balance Sheet
- Market cap
- ₹53,080 crore
- P/E
- 23.3
- P/B
- 3.38
- ROE
- 14.7%
- Dividend yield
- 1.20%
As of Mar 2022, SBI Cards and Payment Services had total assets of ₹13,700 crore and borrowings of ₹1,200 crore, against shareholders' equity of ₹9,000 crore — a debt-to-equity ratio of 0.13. Borrowings fell 96.19% from Mar 2023.
SBI Cards and Payment Services balance sheet
As at each financial year end, newest first. H1 = half-year.
| Item | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Equity capital | 500 | 946 | 951 | 951 | 952 |
| Reserves | 8,500 | 6,042 | 7,728 | 9,022 | 10,520 |
| Borrowings | 1,200 | 31,531 | 40,315 | 45,171 | 44,230 |
| Other liabilities | 3,500 | 4,184 | 5,773 | 6,593 | 6,372 |
| Total liabilities | 13,700 | 45,546 | 58,171 | 65,546 | 66,328 |
| Fixed assets | 6,500 | 454 | 438 | 227 | 158 |
| Capital work in progress | 400 | 100 | 100 | 100 | 100 |
| Investments | 2,500 | 9,109 | 11,634 | 13,109 | 13,266 |
| Other assets | 4,300 | 13,664 | 17,451 | 19,664 | 19,898 |
| Total assets | 13,700 | 45,546 | 58,171 | 65,546 | 66,328 |
Balance sheet ratios
- Debt to equity
- 0.13
Source: Company filings (consolidated), in ₹ crore. Data as of 7 October 2026. How this data is compiled.
SBI Cards and Payment Services balance sheet — frequently asked questions
What is the total debt of SBI Cards and Payment Services?
SBI Cards and Payment Services reported borrowings of ₹1,200 crore as of Mar 2022, compared with ₹31,531 crore as of Mar 2023.
What is SBI Cards and Payment Services' debt-to-equity ratio?
Based on the Mar 2022 balance sheet, SBI Cards and Payment Services' debt-to-equity ratio is 0.13 — borrowings of ₹1,200 crore against equity capital and reserves of ₹9,000 crore.
What are SBI Cards and Payment Services' total assets?
SBI Cards and Payment Services' total assets were ₹13,700 crore as of Mar 2022, including fixed assets of ₹6,500 crore and investments of ₹2,500 crore.
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