Banks / State Bank of India

State Bank of India (SBI)

Public Sector Bank India's Largest Bank Domestic Systemically Important Bank (D-SIB)
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🏦 Bank Overview

📍
Headquarters
State Bank Bhavan, Madame Cama Road, Nariman Point, Mumbai - 400021, Maharashtra
👤
Chairman (MD & CEO equivalent)
Challa Sreenivasulu Setty
📅
Established
1955 (as SBI, by SBI Act) · lineage to 1806 (Bank of Calcutta)
🌐
Official Website
sbi.bank.in ↗
🏛️
Ownership
Government of India (~57% via RBI/GoI), publicly listed (BSE/NSE: SBIN)
🏢
Network
22,500+ branches · 63,000+ ATMs/CDMs across India

👥 Leadership — MD & CEO / Chairman

Current

Challa Sreenivasulu Setty

Chairman, State Bank of India — in office since 28 August 2024. Joined SBI in 1988 as a Probationary Officer; served as Managing Director from January 2020 heading Retail & Digital Banking, then International Banking, Global Markets & Technology, before taking over as Chairman.

Note on designation

Unlike most private banks, SBI's top executive under the SBI Act, 1955 holds the title Chairman (not "MD & CEO"), supported by a team of Managing Directors overseeing key verticals.

Last Three Chairmen

NameTenureNotable Period
Dinesh Kumar KharaOct 2020 – Aug 2024COVID-19 recovery, digital transformation (YONO scale-up)
Rajnish KumarOct 2017 – Sep 2020Merger of 5 associate banks & Bharatiya Mahila Bank into SBI (2017)
Arundhati BhattacharyaOct 2013 – Oct 2017First woman Chairman of SBI

📞 Customer Care & Locators

Customer Care Email
contactcentre@sbi.co.in

Phishing/fraud reports: report.phishing@sbi.co.in

Toll-Free (General Banking)
1800 1234 / 1800 2100

24×7 balance, transactions, card blocking, cheque book requests

Toll-Free (Other Helplines)
Pensioners: 1800 110009 · YONO: 1800 111101
Home Loan: 1800 112018 · Senior Citizens/Divyang: 1800 8888
📍 Branch Locator → 🔎 IFSC Code Finder → 🏛️ RBI Bank Branch/IFSC Master →

💼 Products & Services

💰 Loans

  • Home Loan (SBI Realty, NRI Home Loan)
  • Personal Loan / Xpress Credit
  • Auto Loan / Used Car Loan
  • Education Loan (SBI Scholar, Global Ed-Vantage)
  • Gold Loan
  • Agriculture & Kisan Credit Card (KCC)
  • MSME / Business Loans (SME Smart Score)

🏦 Deposits

  • Savings Bank Account
  • Current Account
  • Fixed Deposit (incl. SBI Amrit Vrishti)
  • Recurring Deposit
  • Tax-Saving Fixed Deposit
  • NRE / NRO / FCNR Accounts

📱 Digital & Forex

  • YONO App & YONO Business
  • Internet Banking (INB) / SBI Quick
  • UPI, BHIM SBI Pay
  • Foreign Exchange & Trade Finance
  • Outward/Inward Remittances (SWIFT)
  • Forex Cards for travel

➕ Other Services

  • SBI Credit Card (via SBI Card)
  • SBI Life & SBI General Insurance (bancassurance)
  • SBI Mutual Fund
  • Demat & Trading (SBICAP Securities)
  • Safe Deposit Locker
  • PMJDY, APY, PMJJBY, PMSBY (govt. schemes)

📈 Interest Rates

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Retail Domestic Term Deposit rates below are fetched live from SBI's official rates page where possible. If the live fetch is unavailable, the last published rates are shown instead.

Fetching live rates…

📊 Financial Results (Last 4 Years)

MetricFY 2025-26 (Mar 2026)FY 2024-25 (Mar 2025)FY 2023-24 (Mar 2024)FY 2022-23 (Mar 2023)
Net Profit (Full Year)₹80,032 Cr₹70,901 Cr₹61,077 Cr₹50,232 Cr
Total Deposits₹59.80 Lakh Cr₹54.40 Lakh Cr₹49.67 Lakh Cr₹44.24 Lakh Cr
Total Advances₹49.30 Lakh Cr₹42.51 Lakh Cr₹37.84 Lakh Cr₹32.69 Lakh Cr
Total Business₹109.10 Lakh Cr₹96.91 Lakh Cr₹87.51 Lakh Cr₹76.93 Lakh Cr
Gross NPA Ratio1.49%1.82%2.20%~2.78%
Net NPA Ratio0.39%0.47%0.60%~0.67%
CRAR (Capital Adequacy)15.40%~14.04%~13.76%~14.68%
Figures compiled from SBI's published quarterly/annual results and analyst presentations; some FY23–FY24 ratios are approximate (marked ~) pending exact standalone figures. Always verify precise numbers on SBI's official Investor Relations page before making financial decisions.

🏛️ RBI Regulatory Information (As on Date)

Regulator
Reserve Bank of India, under the Banking Regulation Act, 1949 & SBI Act, 1955
Bank Category
Scheduled Commercial Bank (Public Sector) — Second Schedule, RBI Act 1934
D-SIB Status
Classified as a Domestic Systemically Important Bank by RBI (highest bucket, along with HDFC Bank & ICICI Bank)
Minimum CRAR Required
11.5% (9% minimum + 2.5% Capital Conservation Buffer, Basel III) — SBI's actual CRAR: 15.40%
PCA Framework
Not under RBI's Prompt Corrective Action framework
Deposit Insurance
DICGC cover up to ₹5,00,000 per depositor per bank
Grievance Redressal
RBI Integrated Ombudsman Scheme, 2021 — toll-free 14448
More
Browse related RBI Circulars →

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