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Parakho

SBI Cards and Payment Services Ltd

NSE SBICARDBSE 543066sbicard.comInvestor relations

Q1 FY27, unaudited

Interest earned
₹5,040.55 Cr
Profit after tax
₹664.44 Cr

As filed with the exchange, standalone basis.

Statement of profit and loss

Figures in ₹ crore, reproduced from the results data files the company filed with NSE under Regulation 33 of the SEBI (LODR) Regulations. Nothing is restated, adjusted or estimated.

Statement of profit and loss, standalone basis
₹ croreQ1 FY27vs a year agoFY26
Interest earned5,040.55+3.36%19,899.63
Other income164.81+4.00%807.99
Total income5,205.36+3.38%20,707.62
Employee benefit expense206.77+28.09%661.01
Provisions & contingencies———
Profit before tax893.13+19.34%2,913.19
Tax expense228.69+18.86%746.48
Profit after tax664.44+19.51%2,166.71
Total comprehensive income665.32+20.16%2,174.56
Earnings per share
Earnings per share, basic₹6.98₹22.77
Earnings per share, diluted₹6.98₹22.77

Q1 FY27 — unaudited, from the company’s filing with NSE. Source

Q1 FY26, the year-ago base — unaudited, from the company’s filing with NSE. Source

FY26 — from the company’s filing with NSE. Source

Earnings call

Q1 FY27

SBI Cards reported Q1 FY27 PAT of Rs 664 crores, up 20% year-on-year, driven by improved credit cost, while total revenue grew 3% year-on-year to Rs 5,205 crores. Cards in force grew 7% year-on-year to around Rs 2.26 crores, with total spends reaching Rs 1,18,475 crores, up 27% year-on-year, and retail spend up 14% year-on-year. Gross NPA improved to 2.04% and net NPA fell to 0.83%, while management said receivables growth is expected to pick up from the second half of the financial year.

Generated by AI from the filed transcript; every statement on the full page carries its verbatim quote.

Read the full summary

Earlier calls: Q4 FY26 · All quarters

Filings

12 shown · 82 published by the exchange

BSE corporate announcements, classified by Parakho. The exchange’s own category is kept alongside our classification so a reclassification never rewrites history.

Page generated from filings held to 15 Sept 2026.