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State Bank of India (SBI) has witnessed strong growth in its loan book while significantly improving its asset quality over the last ten years. The bank’s net advances increased from ₹15.71 lakh crore in 2016-17 to ₹48.78 lakh crore in 2025-26, reflecting robust credit growth across various sectors. At the same time, SBI successfully reduced its Net Non-Performing Assets (NPA) ratio from 3.71% to just 0.39%.
| Financial Year | Net Advances (₹ Crore) | Net NPA to Net Advances (%) |
|---|---|---|
| 2016-17 | 15,71,078 | 3.71 |
| 2017-18 | 19,34,880 | 5.73 |
| 2018-19 | 21,85,877 | 3.01 |
| 2019-20 | 23,25,290 | 2.23 |
| 2020-21 | 24,49,498 | 1.50 |
| 2021-22 | 27,33,967 | 1.02 |
| 2022-23 | 31,99,269 | 0.67 |
| 2023-24 | 37,03,971 | 0.57 |
| 2024-25 | 41,63,312 | 0.47 |
| 2025-26 | 48,77,895 | 0.39 |
Growth Over 10 Years
| Particulars | 2016-17 | 2025-26 | Change |
|---|---|---|---|
| Net Advances (₹ Crore) | 15,71,078 | 48,77,895 | +210% |
| Net NPA to Net Advances (%) | 3.71% | 0.39% | -89.5% |
Key Highlights
- SBI’s Net Advances increased from ₹15.71 lakh crore in 2016-17 to ₹48.78 lakh crore in 2025-26.
- The bank’s Net NPA ratio declined sharply from 3.71% to 0.39% during the same period.
- Net NPA peaked at 5.73% in 2017-18 before steadily declining over the following years.
- The latest Net NPA ratio of 0.39% indicates a significant improvement in SBI’s asset quality and loan recovery performance.
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