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29-Jan-2026

SBI Cards & Payment Services

Profit jumps as credit cost reduces


'SBI Cards and Payment Services has posted 45% jump in net profit at Rs 556.44 crore in the quarter ended December 2025 (Q3FY2026), The income from operations increased 11% to Rs 5127.26 crore for Q3FY2026, while other income of the company jumped 53% to Rs 226.16 crore. The total income increased 12% to Rs 5353.42 crore for Q3FY2026.

Interest expenses declined 5% to Rs 785.07 crore. Operating expenses moved up 25% to Rs 2563.20 crore, allowing the operating profits to improve 7% at Rs 2005.15 crore. The cost-to-income ratio jumped to 56.1% in Q3FY2026 from 52.3% in Q3FY2025. Depreciation declined 31% to Rs 33.88 crore, while provisions fell 7% to Rs 1222.16 crore.

Profit before tax surged 45% yoy basis at Rs 749.11 crore. Effective tax rate eased to 25.7% in Q3FY2026 from 26.0% in Q3FY2025. Net Profit of the company, after share in profit of associates and non-controlling interest, improved 45% to Rs 556.64 crore for Q3FY2025.

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