SBI Q4 FY26 Results: Net Profit Rs 19684 Crore Up 5.6 Percent YoY

May 8, 2026
Posted by: Ankit Jaiswal
Category: Mutual Funds

SBI Q4 FY26 results were announced by the State Bank of India board of directors on 8 May 2026, with the country’s largest public sector bank reporting a standalone net profit of Rs 19,684 crore for the quarter ended March 31, 2026. The SBI Q4 FY26 net profit represents a 5.6 percent year-on-year increase compared to Rs 18,643 crore reported in Q4 FY25. Investors monitoring the SBI Q4 performance note that this is the bank’s fourth consecutive quarter of profit growth, underscoring the resilience of SBI’s core banking franchise despite pressure on treasury income.

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The SBI Q4 results board meeting commenced at 10:00 AM on 8 May 2026 and concluded at 1:45 PM. The Central Board also declared a dividend of Rs 17.35 per equity share (1,735 percent on face value of Re 1 each) for FY26. The record date for dividend eligibility is May 16, 2026, with a payment date of June 4, 2026.

Table of Contents

SBI Q4 FY26 Key Financial Highlights

The following table summarises the key SBI Q4 FY26 standalone financial highlights announced on 8 May 2026.

Parameter	Q4 FY26	Q4 FY25 / FY26 Full Year
Net Profit (PAT)	Rs 19,684 Cr	Rs 18,643 Cr (Q4 FY25)
PAT Growth YoY	+5.6%	Full Year PAT: Rs 80,032 Cr
Interest Income	Rs 1,23,098 Cr	Rs 1,19,666 Cr (Q4 FY25)
Total Income	Rs 1,40,412 Cr	Rs 1,43,876 Cr (Q4 FY25)
Full Year Revenue	Rs 5,51,647 Cr	Rs 5,24,172 Cr (FY25) +5.2%
PBT FY26	Rs 1,05,477 Cr	Rs 95,271 Cr (FY25) +10.7%
Dividend	Rs 17.35 per share	Record Date: 16 May 2026
NSE Ticker	SBIN	Sector: PSU Banking

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SBI Q4 FY26 Net Profit Analysis

The SBI Q4 FY26 standalone net profit of Rs 19,684 crore marks a 5.6 percent year-on-year increase from Rs 18,643 crore in Q4 FY25. The growth was supported by a decline in bad loans and steady core income, even as total income moderated sequentially. Total income for Q4 FY26 stood at Rs 1,40,412 crore, compared to Rs 1,43,876 crore in the corresponding quarter last year, reflecting lower treasury income as the interest rate cycle evolved.

On a full-year basis, SBI Q4 delivered a strong FY26 performance. Total income for FY26 rose 5.2 percent to Rs 5,51,647 crore from Rs 5,24,172 crore in FY25. Profit before tax for FY26 grew 10.7 percent to Rs 1,05,477 crore from Rs 95,271 crore in FY25. The full-year consolidated net profit for FY26 stood at Rs 83,299 crore, up 7.4 percent from Rs 77,561 crore in FY25. Standalone full-year PAT reached Rs 80,032 crore.

SBI Q4 FY26 Interest Income and NII Performance

Interest income for SBI Q4 in Q4 FY26 stood at Rs 1,23,098 crore, up from Rs 1,19,666 crore in Q4 FY25, reflecting steady loan book growth across retail and corporate segments. The bank’s ability to grow interest income in a moderating rate environment underscores the strength of its lending franchise. The SBI Q4 loan book benefited from disciplined credit deployment across home loans, auto loans, and SME credit.

Despite total income declining year-on-year in Q4, SBI maintained growth in its core interest income line, which is a more sustainable driver of bank profitability than treasury gains. This quality of earnings improvement is a key positive in the SBI Q4 FY26 results print.

SBI Q4 FY26 Asset Quality and Balance Sheet

Asset quality improvement is one of the most significant takeaways from the SBI Q4 results. The bank reported a decline in bad loans during Q4 FY26, continuing the trend of gross NPA reduction that has been a multi-year management priority. A sustained reduction in the gross NPA ratio means lower provisioning requirements, which flows through to a higher net profit for SBI Q4.

SBI’s capital adequacy ratio remained well above regulatory minimums as of March 2026. During FY26, SBI completed a QIP equity share allotment of Rs 25,000 crore to qualified institutional buyers at Rs 817 per share in July 2025, strengthening the bank’s Tier 1 capital base. Additionally, SBI divested a 13.18 percent stake in Yes Bank for a profit of Rs 4,593 crore, recognised as an exceptional item for the year. Post-divestment, SBI’s stake in Yes Bank stands at 10.78 percent. SBI Q4 results also include a property revaluation surplus of Rs 7,288 crore credited to the Revaluation Reserve.

SBI Q4 FY26 Full Year Performance Review

The SBI Q4 FY26 full-year performance reflects broad-based business momentum. SBI also acquired an additional 4.925 percent stake in SBI General Insurance during FY26, increasing its holding to 73.87 percent. Total income for FY26 at Rs 5,51,647 crore represents a milestone for India’s largest bank, with profitability improving at the pre-tax level faster than the topline growth rate. The SBI Q4 full-year results confirm the bank’s position as the anchor of India’s public sector banking system.

Full Year Metric	FY26	FY25
Total Income	Rs 5,51,647 Cr	Rs 5,24,172 Cr
Profit Before Tax	Rs 1,05,477 Cr	Rs 95,271 Cr
Consolidated Net Profit	Rs 83,299 Cr	Rs 77,561 Cr
Standalone Net Profit	Rs 80,032 Cr	Base Year
YoY Consolidated PAT Growth	+7.4%	Reference Period

SBI Q4 FY26 Dividend Announcement

The SBI Q4 board declared a final dividend of Rs 17.35 per equity share (face value Re 1 each), representing a payout of 1,735 percent on face value, for FY26. The record date for determining dividend eligibility is May 16, 2026, and the dividend payment date is June 4, 2026. This dividend announcement reflects SBI’s commitment to shareholder returns alongside its focus on capital adequacy and growth investment.

SBI Q4 FY26 Stock Price Reaction

Following the SBI Q4 FY26 results announcement on 8 May 2026, SBI shares came under selling pressure, declining approximately 5.5 to 7 percent intraday on the NSE. The stock traded near Rs 1,032 compared to the previous close of approximately Rs 1,092. The market reaction reflected the modest PAT growth against analyst estimates that had a wider range. For investors tracking SBI Q4 on a longer-term basis, the full-year PAT of Rs 80,032 crore and the dividend of Rs 17.35 per share provide context for the bank’s underlying earning power. Track SBI Q4 price and analyst updates in real time on the Univest Screener.

SBI FY27 Outlook

Post SBI Q4 FY26 results, investors will closely watch management commentary on NIM trajectory, loan growth guidance, and credit cost outlook for FY27. The bank enters FY27 with a strengthened capital base following the QIP and a cleaner balance sheet from sustained NPA reduction. The RBI rate cut cycle that commenced in 2026 creates a dual effect on SBI: a slight reduction in lending yields but also potential relief on deposit costs. Management’s ability to navigate this interest rate environment will be the primary determinant of NIM expansion or compression in FY27.

The bank’s investment in SBI General Insurance to 73.87 percent stake and the Yes Bank divestment proceeds reflect a strategic portfolio optimisation that positions SBI for stronger return on equity in FY27. Monitor SBI Q4 FY27 estimates as analyst revisions emerge post these results.

Frequently Asked Questions on SBI Q4 FY26 Results

What is SBI Q4 FY26 net profit?

Ans. SBI Q4 FY26 standalone net profit is Rs 19,684 crore, up 5.6 percent year-on-year from Rs 18,643 crore in Q4 FY25. The full-year FY26 standalone PAT stood at Rs 80,032 crore.

When did SBI announce Q4 FY26 results?

Ans. SBI Q4 FY26 results were announced on 8 May 2026. The Central Board meeting commenced at 10:00 AM and concluded at 1:45 PM. Results were filed with BSE and NSE immediately thereafter.

What is SBI Q4 FY26 dividend?

Ans. The SBI Q4 FY26 board declared a dividend of Rs 17.35 per equity share (1,735 percent on face value of Re 1 each) for FY26. The record date is May 16, 2026, and the payment date is June 4, 2026.

What was SBI total income in Q4 FY26?

Ans. SBI total income in Q4 FY26 was Rs 1,40,412 crore, compared to Rs 1,43,876 crore in Q4 FY25. Interest income grew to Rs 1,23,098 crore from Rs 1,19,666 crore in the year-ago quarter.

What is the SBI FY26 full-year consolidated net profit?

Ans. SBI consolidated net profit for the full year FY26 is Rs 83,299 crore, up 7.4 percent from Rs 77,561 crore in FY25. On a standalone basis, full-year FY26 PAT is Rs 80,032 crore.

How did SBI Q4 FY26 results impact the stock?

Ans. Following SBI Q4 FY26 results on 8 May 2026, the stock declined approximately 5.5 to 7 percent intraday as the 5.6 percent PAT growth came below analyst estimates at the higher end. The bank’s dividend of Rs 17.35 per share provided partial support to investor sentiment.

Where can I track SBI Q4 results and analyst updates?

Ans. Track SBI Q4 FY26 live price, analyst rating changes, and earnings updates on the Univest Screener. Download the Univest App for real-time alerts on SBI.

Disclaimer: This article is for informational and educational purposes only and does not constitute investment advice. State Bank of India is a SEBI-listed entity. All financial data cited is sourced from BSE/NSE exchange filings and verified news sources. Investments in securities are subject to market risk. Consult a SEBI-registered investment advisor before making any investment decision.

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Q4 FY26 Results

Author: Ankit Jaiswal

Ankit Jaiswal is the Senior Research Analyst at Univest, leading the platform's in-house equity research desk and serving as the editorial reviewer for all research and blog content published at univest.in. With 11+ years of experience in Indian equity markets, he oversees stock recommendations, earnings analysis, sector coverage, and ensures every published article meets SEBI Research Analyst Regulations. He holds a Bachelor of Commerce (B.Com) from St. Xavier's College, Kolkata — one of India's most prestigious commerce institutions — and has cleared CMT Level 2 from the CMT Association, a globally recognised certification in technical analysis and market research. His research methodology combines fundamental analysis (earnings quality, balance sheet strength, management commentary) with advanced technical analysis (chart patterns, momentum indicators, market structure) — giving Univest's retail investors a dual-lens approach that most Indian research platforms lack. Ankit is among the most comprehensively certified analysts in Indian financial media, holding five NISM certifications: Series-XV (Research Analyst), Series-VIII (Equity Derivatives), Series-VII (SORM), Series-VI (Depository Operations), and Series-V-A (Mutual Fund Distributors). At Univest — India's SEBI-registered research and advisory platform — Ankit's responsibilities include leading the research team, finalising stock recommendations published across Pro Lite, Pro Super, and Pro Gold advisory services, and maintaining editorial oversight of all YMYL financial content published on the blog.