Connect with Us
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.
You can also check: Loan EMI Calculator | Gold Loan Calculator | CC Calculator | KCC Calculator | FD Calculator | PPF Calculator | SIP Calculator | NPS Calculator | More Financial Calculators | Latest Bank Jobs | Read Latest Banking and Finance News
Advertisement
Advertisement
