JAMMU, Jul 27: The Board of Directors of SBI Cards and Payment Services Limited approved the Company’s results for the Quarter ended June 30, 2026, at their meeting held on Friday, July 24, 2026.
Total Revenue increased by 3% YoY at Rs. 5,205 Cr in Q1 FY27 v/s Rs. 5,035 Cr in Q1 FY26, PAT at Rs. 664 Cr in Q1 FY27 v/s Rs. 556 Cr in Q1 FY26, ROAA at 3.9% in Q1 FY27 v/s 3.4% in Q1 FY26, ROAE at 16.5% in Q1 FY27 v/s 15.8% in Q1 FY26, Capital Adequacy Ratio at 25.6%; Tier 1 at 20.3%.
Total income increased by 3% to 5,205 Cr in Q1 FY27 v/s Rs. 5,035 Cr in Q1 FY26. Profit after tax was up by 20% at Rs. 664 Cr in Q1 FY27 v/s Rs. 556 Cr in Q1 FY26.The Gross non-performing assets were at 2.04% of gross advances as of June 30, 2026, as against 3.07% as of June 30, 2025. Net non-performing assets were at 0.83% as of June 30, 2026, as against 1.42% as of June 30, 2025.
As per the capital adequacy norms issued by the RBI, Company’s capital to risk ratio consisting of Tier I and Tier II capital should not be less than 15% of its aggregate risk weighted assets on – balance sheet and of risk adjusted value of off-balance sheet items. As of June 30, 2026, Company’s CRAR was 25.6% compared to 23.2% as of June 30, 2025. The Tier I capital in respect of an NBFC-ND-SI, at any point of time, can’t be less than 10%. Company’s Tier I capital was 20.3% as of June 30, 2026, compared to 17.9% as of June 30, 2025.