CreditBrief

What State Bank of India lends, and to whom

Its loan book from its own filings: how big it was at the end of FY2025-26, who borrows from it, how it has grown and where it ranks. Every number links to the page it came from.

FY2025-26Year-end balance on 31 March 2026, the last day of FY2025-26. The latest half-year balance, on 30 Sep 2026, is ₹52.08 lakh crore (+5.6% since March).

State Bank of IndiaPublic sector banks

₹49.33lakh croregross advances, whole bank on 31 Mar 2026: lent and not yet repaid

Compare loan books Credit salaries here

Size among peers1stof 33 banks on CreditBrief, March 2026
Biggest segment27.6%Corporate, latest split (30 Sep 2026)
Share of the combined book23.2%of all banks on CreditBrief

Chapter 01 · The loan book

₹49.33 lakh crore lent out by March 2026. To whom?

A loan book is everything a lender has lent that has not yet been paid back. It is not profit and not revenue: it is the money still owed to it, on one day.

The simple version. When someone takes a ₹50 lakh home loan, it sits in State Bank of India's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from corporate down, and you get ₹49.33 lakh crore. By 30 Sep 2026 it was ₹52.08 lakh crore.

First cut: who the borrower is · split from its latest filing, 30 Sep 2026

44%People and households₹22.77 lakh croreHome LoansPersonal LoanAuto LoansPersonal Gold LoansOther P Seg Loans
40%Businesses₹21.00 lakh croreSMECorporate

16% sits in lines the filing does not tie to either: Foreign Offices Advances.

Drilling down: what it lends against · 30 Sep 2026

  • Corporate₹14.39 lakh crore27.6%
  • Home Loans₹9.86 lakh crore18.9%
  • Foreign Offices Advances₹8.31 lakh crore16%
  • SME₹6.61 lakh crore12.7%
  • Agri₹4.51 lakh crore8.7%
  • Personal Loan₹3.79 lakh crore7.3%
  • Other P Seg Loans₹1.87 lakh crore3.6%
  • Personal Gold Loans₹1.37 lakh crore2.6%
  • Auto Loans₹1.36 lakh crore2.6%

Agriculture, SME, corporate and overseas loans are on page 10. Retail loans (₹18,25,083 crore in all) are split on page 11.

Sources: State Bank of India Analyst Presentation Q4 FY26, PDF page 9 ↗ for March 2026; State Bank of India Analyst Presentation Q2 FY27, PDF page 9 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 15% a year since March 2022.

From ₹28.19 lakh crore on 31 March 2022 to ₹49.33 lakh crore on 31 March 2026, and ₹52.08 lakh crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights39 figures from 8 filings · each checked against its pageHow it works
State Bank of India · loan book · 31 March 2026₹49.33lakh crore+17% in FY2025-26₹52.08 lakh crore by 30 Sep 2026
  1. 0115%a year since 2022Grew 15% a year from March 2022 to March 2026, faster than 14 of the 29 other banks with like-for-like figures for those years.
  2. 0217%in FY2025-26Growth picked up to 17% in FY2025-26, from 12% the year before.
  3. 03Biggestamong peersHeld its place as the biggest of these 33 banks from March 2022 to March 2026.
Deposits₹59.76 lakh crore+11% · in FY2025-26
Loans to deposits82.5%+4.1 pts · in FY2025-26
CASA ratio39.5%-0.5 pts · in FY2025-26
Retail, agriculture and MSME loans₹27.65 lakh crore+17% · in FY2025-26
Corporate and wholesale loans₹14.25 lakh crore+15% · in FY2025-26
Branches23,265+1.4% · in FY2025-26
Mobile app users100.2 million+14% · in FY2025-26
MeasureMar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Loan book₹ crore · gross advances, whole bank28,18,67132,69,24237,67,53542,20,70349,32,62752,08,344
Retail, agriculture and MSME loans₹ crore20,90,24623,61,02827,65,09729,37,856
Corporate and wholesale loans₹ crore8,70,7129,79,76811,38,20212,40,59214,24,58914,39,156
Deposits₹ crore40,51,53444,23,77849,16,07753,82,19059,75,64262,77,919
CASA ratio%45.2843.8041.1139.9739.4638.32
BranchesNumber22,26622,40522,54222,93723,265
Mobile app usersMillion48.3617487.7100.2111

Each value was checked by script: the quoted line is on the cited page and its number matches. Growth is worked out from these values.

Insights alertQ3 FY2026-27 due by 14 Feb 2027

Know what moved at State Bank of India, the week its results land.

Insights reads the filing, checks every figure against its page, and emails you the story with the receipts. About four emails a year per lender.

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Its last results, as an alert

CreditBrief Insightsto you

State Bank of India, Q2 FY2026-27: loan book ₹52.08 lakh crore, +5.6% since March

  • ₹52.08 lakh crore lent out by Q2 FY2026-27
  • Biggest segment: Corporate, 28% of the book
  • Every figure links to page 9 of its filing

Chapter 03 · Among its peers

1st biggest of 33 banks we cover, March 2026.

At the end of FY2025-26 it held 23.2% of the combined loan book of the banks on CreditBrief. Banks report advances, gross or net, and each row says which.

  1. 1State Bank of India₹49.33 lakh crore
  2. 2HDFC Bank₹29.60 lakh crore
  3. 3ICICI Bank₹15.54 lakh crore
  4. 4Bank of Baroda₹14.30 lakh crore
  5. 5Punjab National Bank₹12.59 lakh crore
  6. 6Canara Bank₹12.38 lakh crore
  7. 7Axis Bank₹12.34 lakh crore
  8. 8Union Bank of India₹10.79 lakh crore

Explore every lender's loan book. CreditBrief covers 53 lenders, not every lender in India.

Chapter 04 · Working here

Getting in.

Jobs at State Bank of India

Openings are on the lender's own careers page, which we loaded and read on the jobs page.

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Chapter 05 · Sources

Every number, traced to its filing.

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