590.15
+0.88%
Close of 9 Nov 2026, in INR
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About SBI Cards and Payment Services
Its shares trade on NSE under the ticker SBICARD.NS. It has been listed since 16 March 2020. In the fiscal year to 31 March 2026, it reported revenue before interest expense of ₹207.08bn and net income of ₹21.67bn. At that date it held total assets of ₹663.28bn and shareholders' equity of ₹157.25bn.
SBI Cards & Payment Services Ltd. provides credit cards and payment solutions. The company is headquartered in Gurgaon, Haryana. The company went IPO on 2020-03-16. The firm provides credit card services. The firm offers a wide range of credit cards to individual cardholders and corporate clients, which includes lifestyle, rewards, travel & fuel, shopping, banking partnership cards and corporate cards. The firm also offers payment products and services in the form of corporate and credit cards with incentive and rewards programs.
Figures and description from our data supplier, not checked against the company's own report.
Company facts
- Sector
- Financials
- Industry
- Consumer Finance
- Listed since
- 16 Mar 2020
- Employees
- 3,774
Leadership
Pay as last reported
- Shri. Challa SettyChairman of the Board, Nominee Director, since 2024
- Smt. Salila PandeChief Executive Officer, Managing Director, Executive Director, since 2025
- Ms. Rashmi MohantyExecutive Vice President, Chief Financial Officer₹22.0m
- Mr. Ashutosh SharmaChief Operating Officer
- Mr. Pradeep KhuranaExecutive Vice President, Chief Information and Digital Officer₹11.0m
- Mr. Girish BudhirajaExecutive Vice President, Chief Sales and Marketing Officer, since 2022₹15.1m
- Ms. Payal ChhabraExecutive Vice President, Chief Compliance Officer, Company Secretary, since 2024₹16.5m
- Mr. Manish DewanExecutive Vice President, Head - Customer Services, since 2022₹15.9m
- Ms. Nandini MalhotraExecutive Vice President, Chief Credit Officer
- Mr. Ved PrakashExecutive Vice President, Head Internal Audit
- Mr. Vishal SinghExecutive Vice President, Head - Consumer Sales₹9.7m
- Mr. Ashwini TewariNon-Executive Director - State Bank of India Nominee, since 2020₹3.0m
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 65
- Environment
- 39
- Social
- 87
- Governance
- 70
- Energy emissions (scope 2)
- 2,810.009 t
- Women in the workforce
- 27.74%
- Carbon reduction policy
- Yes
- Human rights policy
- Yes
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- SBI Cards and Payment Services Ltd is a leading player in the credit card industry in India, with a strong market presence and widespread brand recognition. The company benefits from its affiliation with State Bank of India, one of the largest public sector banks in the country.
- SBI Cards has a diverse product portfolio, offering a wide range of credit cards to cater to various customer segments. This enables the company to tap into different market opportunities and enhance its revenue streams.
Weaknesses
- SBI Cards heavily relies on its partnership with State Bank of India for customer acquisition and cross-selling of its credit cards. This dependence exposes the company to potential risks associated with changes in the dynamics of the partnership or any unfavorable developments in the banking sector.
- The company faces intense competition in the credit card market, both from established players and emerging fintech companies. This competitive landscape poses a challenge for SBI Cards to differentiate its offerings and maintain market share.
Opportunities
- The growing Indian economy and increasing disposable incomes present a significant opportunity for SBI Cards to expand its customer base and increase credit card usage. The company can tap into untapped market segments and develop tailored products and services to attract new customers.
- SBI Cards can leverage technological advancements and digitalization to enhance its customer experience and streamline its operations. Investing in innovative payment solutions and digital platforms can help the company stay competitive and improve its overall efficiency.
Threats
- Regulatory changes and government policies can impact the credit card industry, affecting SBI Cards' operations and profitability. Adapting to evolving regulatory requirements and ensuring compliance is crucial for the company's long-term success.
- In addition, the risk of credit defaults and non-performing assets is inherent to the credit card business. SBI Cards must carefully manage its credit risk and maintain effective collection strategies to minimize potential losses.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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