1. MARKETS
  2. SECTOR : BANKING AND FINANCE
  3. INDUSTRY : FINANCE (INCLUDING NBFCS)
  4. SBI CARDS AND PAYMENT SERVICES LTD.
SBI Cards and Payment Services Ltd.
NSE: SBICARD | BSE: 543066

SBI Cards and Payment Live Share Price Today, Share Analysis and Chart

Falling Comet
aboutSBI Cards and Payment Services Ltd. (SBI Card) is India's largest pure-play credit card issuer and the second-largest credit card company in the country by both cards-in-force and total spends. Headquartered in Gurugram, Haryana, the company was esta... Read More
AUM GrowthCost of Borrowing
Ask AI about SBI Cards and Payment
532.907.90(1.50%)

New 52W Low in past week

370.3K
NSE+BSE Volume

NSE 02 Nov, 2026 3:31 PM (IST)

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My Notes

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- / 100
- / 100
30.2 / 100
Falling CometThese stocks have good quality scores. However, their weak technicals make them more bearishView SimilarEmbed DVM
Analyst Price Target
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19

S

9

W

5

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SWOT Analysis

Check Before You Buy

VIEW FULL CHECKLIST

High rank

13Positive9Negative

Pass in checklist59.1%

045
55
100

PE Valuation Check

Right Now
Undervalued
90%
1 Year Forward
Undervalued
122%
INSIGHTHigh 5Yr PE Avg of 37.0 may distort upside values.

SBI Cards and Payment Stock Price Analysis

Day Price Range

1.5% 1 Day return
532.9 (LTP)
527.6535.8
LowHigh

Week Price Range

-2.3% 1 Week return
532.9 (LTP)
519549.5
LowHigh

Month Price Range

-5.4% 1 Month return
532.9 (LTP)
519581.4
LowHigh

52 Week Price Range

-39.4% 1 Year return
532.9 (LTP)
519906.4
LowHigh
View full Price History/Seasonality

SBI Cards and Payment Forecaster - Analyst Share Price Target and Estimates

Revenue forecast

Miss

SBI Cards and Payment's Revenue was lower than average estimate 2 times in past 3 years

EPS forecast

CURRENT EPS
22.8
AVG. ESTIMATE
31.7
LOW ESTIMATE
26.2
HIGH ESTIMATE
33.3
CURRENT EPS
AVG. ESTIMATE
Hit

EPS is expected to grow by 39.1% in FY27

Consensus Recommendation

24 ANALYST Recommendations
HOLD

The consensus recommendation from 24 analysts for SBI Cards and Payment is HOLD

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SBI Cards and Payment Technical Analysis

SBI Cards and Payment EMA & SMA

Bearish-8
0 bullish, 8 bearish
Bullish0
Bearish8
5 Day533.8
10 Day541.2
12 Day544.2
20 Day556.0
26 Day564.1
50 Day586.9
100 Day614.3
200 Day660.7

SBI Cards and Payment Delivery And Volume

Daily Avg. Delivery Volume %
02 Nov, 202637.2%
Week46.2%
Month45.5%

SBI Cards and Payment Active Candlesticks

Harami Uptrend Inside Uptrend Short Line Uptrend
Legend
Positive IndicatorNeutral IndicatorNegative Indicator

SBI Cards and Payment Resistance and Support

532.08
Pivot
First Resistance536.6
Second Resistance540.3
Third Resistance544.9
First Support528.4
Second Support523.8
Third Support520.1
Day RSI36.7
Day MACD-19.9
Day MFI38.3
Day MACD Signal Line-19.5

SBI Cards and Payment Beta

1 Month1.0
1 Year1.2
3 Month1.2
3 Year0.9

SBI Cards and Payment Price Change Analysis

↓-5.4%
Over 1 Month
LowHigh
519.1581.4
↓-19.3%
Over 3 Months
LowHigh
519.1675
↓-17.2%
Over 6 Months
LowHigh
519.1675
↓-39.4%
Over 1 Year
LowHigh
519.1906.4
All Technicals →

SBI Cards and Payment Shareholding Pattern/ Ownership

Shareholding Summary

Sep 2026
 
NameCategorySharesShares %
State Bank Of IndiaPromoter652,633,99268.6 %
Government Pension Fund GlobalFii17,134,0631.8 %
Icici Prudential Large & Mid Cap FundDii73,345,0947.7 %

HISTORICAL PROMOTER HOLDING

HISTORICAL FII HOLDING

HISTORICAL MF HOLDING

All Shareholding details

SBI Cards and Payment Deals - Insider, Bulk, Block and SAST

Client NameDeal TypeActionDateAvg. PriceQuantityExchange
BLACKROCK GLOBAL FUNDSBulkSell31 Aug 2026644.754,998,879NSE
BLACKROCK INTL LTDBulkSell31 Aug 2026647.685,286,841NSE
BNP PARIBAS FINANCIAL MARKETSBulkPurchase31 Aug 2026646.049,783,762NSE
ISHARES CORE EMERGING MARKETS MAURITIUS COBlockSell14 Nov 2022812.35436,385NSE
ISHARES CORE MSCI EMERGING MARKETS ETFBlockPurchase14 Nov 2022812.35436,385NSE
ISHARES CORE EMERGING MARKETS MAURITIUS COBlockSell03 Nov 2022835.90436,385NSE
ISHARES CORE MSCI EMERGING MARKETS ETFBlockPurchase03 Nov 2022835.90436,385NSE
ISHARES CORE EMERGING MARKETS MAURITIUS COBlockSell17 Oct 2022846.85290,738BSE
ISHARES CORE MSCI EMERGING MARKETS ETFBlockPurchase17 Oct 2022846.85290,738BSE
ISHARES CORE EMERGING MARKETS MAURITIUS COBlockSell11 Oct 2022882.95284,298BSE
All deals
All insider trades

SBI Cards and Payment Corporate Actions

SBI Cards and Payment Dividend history and yield

SBI Cards and Payment dividend yields, including actual and adjusted, and dividend history, including announcement, record, and ex-dividend dates. Track SBI Cards and Payment dividend yield over time.

#Ex-Date
Dividend AmountDividend TypeRecord DateInstrument Type
111 Mar 2026
2.5INTERIM11 Mar 2026Equity Share
225 Feb 2025
2.5INTERIM25 Feb 2025Equity Share
328 Mar 2024
2.5INTERIM28 Mar 2024Equity Share
429 Mar 2023
2.5INTERIM29 Mar 2023Equity Share
530 Mar 2022
2.5INTERIM31 Mar 2022Equity Share

SBI Cards and Payment Board Meetings

SBI Cards and Payment past and upcoming board meetings.

#Ex-Date
PurposeNotes
123 Oct 2026
Quarterly Results-
224 Jul 2026
Quarterly Results-
327 Apr 2026
Audited Results-
405 Mar 2026
Interim Dividend-
528 Jan 2026
Quarterly Results-
All Corporate Actions

SBI Cards and Payment Research Reports

SBI Cards and Payment research reports with share price targets, and buy/hold/sell recommendations from top brokers.

#
Date
Broker NameTargetPrice When RecommendedTypeUpsideChange Since RecommendationLinks
125 Oct 2026Emkay750545.55Buy37.48%-2.32%pdf
223 Oct 2026Motilal Oswal625545.55Neutral14.56%-2.32%pdf
323 Jul 2026Motilal Oswal700618.75Neutral13.13%-13.87%pdf
417 May 2026Geojit BNP Paribas698624Accumulate11.86%-14.6%pdf
501 May 2026ICICI Securities Limited
Reco
665643.9Hold3.28%-17.24%pdf
All Reports of SBI

SBI Cards and Payment Corporate Filings

SBI Cards and Payment BSE corporate filings and AGM, press releases, insider trading & SAST, results and corporate actions.

DateAnnouncement TitleDetailsLinks
29 Oct 2026
SBI Cards and Payment Services Ltd - 543066 - Announcement under Regulation 30 (LODR)-Earnings Call Transcript
Disclosure under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Transcript - SBI Card Q2''FY 27 Earnings Call
PDF
29 Oct 2026
SBI Cards and Payment Services Ltd - 543066 - Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
Intimation of allotment of 5,560 Equity shares pursuant to exercise of Employee Stock Options under the SBI Card- Employee Stock Option Plan 2019 (ESOP Plan 2019) and Employee Stock Option Plan 2023 (ESOP Plan 2023)
PDF
28 Oct 2026
SBI Cards and Payment Services Ltd - 543066 - Announcement under Regulation 30 (LODR)-Press Release / Media Release
Disclosure under Regulation 30 and 51 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Press Release
PDF
24 Oct 2026
SBI Cards and Payment Services Ltd - 543066 - Announcement under Regulation 30 (LODR)-Newspaper Publication
Disclosure under Regulation 30 and 47 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Newspaper Advertisements - Unaudited Financial Results of the Company for the quarter and the half year ended September 30, 2026
PDF
23 Oct 2026
SBI Cards and Payment Services Ltd - 543066 - Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
Disclosure under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Audio recording -SBI Card Q2 FY'27 Earnings Call
PDF
VIEW ALL

SBI Cards and Payment DocumentsAsk MarketMind AI

SBI Cards and Payment Earnings Call

SBI Cards and Payment earnings calls, including management commentary and AI-generated summaries.

DateTitleLinks
29 Oct 2026SBI Cards and Payment Services Ltd - 543066 - Announcement under Regulation 30 (LODR)-Earnings Call TranscriptLink
23 Oct 2026SBI Cards and Payment Services Ltd - 543066 - Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeLink
23 Oct 2026SBI Cards and Payment Services Results Earnings Call for Q2FY27AudioVideo
30 Jul 2026SBI Cards and Payment Services Ltd - 543066 - Announcement under Regulation 30 (LODR)-Earnings Call TranscriptLink
24 Jul 2026SBI Cards and Payment Services Ltd - 543066 - Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeLink
view all

SBI Cards and Payment Annual Reports

SBI Cards and Payment financials, including annual results, balance sheets, and cash flow statements.

DateReport TitleLinks
2026Annual Report Mar-2026Link
2025Annual Report Mar-2025Link
2024Annual Report Mar-2024Link
2023Annual Report Mar-2023Link
2022Annual Report Mar-2022Link

SBI Cards and Payment Credit Ratings

SBI Cards and Payment credit ratings from CRISIL and leading rating agencies, assessing financial stability, investment grade, and related PDF documentation.

DateRating AgencyCompany NameDescriptionLinks
22 Oct 2026icra ratingsSBI Cards and Payment Services LimitedRatings reaffirmed; rating reaffirmed and withdrawn for matured instrumentsLink
29 Sep 2026crisil ratingsSBI Cards and Payment Services LimitedSBI Cards and Payment Services Limited:Update on SBI Cards and Payment Services LimitedLink
07 Sep 2026crisil ratingsSBI Cards and Payment Services LimitedSBI Cards and Payment Services Limited:Updated on SBI Cards and Payment Services LimitedLink
24 Jun 2026crisil ratingsSBI Cards and Payment Services LimitedSBI Cards and Payment Services Limited:Update on SBI Cards and Payment Services LimitedLink
27 Apr 2026crisil ratingsSBI Cards and Payment Services LimitedSBI Cards and Payment Services Limited:Update on SBI Cards and Payment Services LimitedLink

SBI Cards and Payment Investor Presentations

SBI Cards and Payment investor presentations, including business updates, financial insights, and strategic initiatives.

DateReport TitleLinks
23 Oct 2026SBI Cards and Payment Services Ltd - 543066 - Announcement under Regulation 30 (LODR)-Investor PresentationLink
24 Jul 2026SBI Cards and Payment Services Ltd - 543066 - Announcement under Regulation 30 (LODR)-Investor PresentationLink
27 Apr 2026SBI Cards and Payment Services Ltd - 543066 - Announcement under Regulation 30 (LODR)-Investor PresentationLink
28 Jan 2026SBI Cards and Payment Services Ltd - 543066 - Announcement under Regulation 30 (LODR)-Investor PresentationLink
24 Oct 2025SBI Cards and Payment Services Ltd - 543066 - Announcement under Regulation 30 (LODR)-Investor PresentationLink

SBI Cards and Payment - Company Profile

SBI Cards and Payment Management Structure

SBI Cards and Payment management structure with salaries, total experience, and qualifications.

NAMEDESIGNATIONGROSS REMUNERATION ₹(LAC)AS OFHISTORY & DETAILS
Mr. Girish BudhirajaExecutive Vice President,Chief Sales Officer(Marketing Officer)266Mar 26
Ms. Rashmi MohantyExecutive Vice President254Mar 26
Mr. Pradeep Singh KhuranaExecutive Vice President,Chief Information & Digital Officer248Mar 26
Mr. Manish DewanExecutive Vice President,Head(Customer Service)201Mar 26
Ms. Nandini MalhotraExecutive Vice President,Chief Credit Officer184Mar 26
Mr. Vishal SinghExecutive Vice President,Head(Consumer Sales)180Mar 26
Ms. Anu Choudhary GuptaExecutive Vice President,Head(Operations)180Mar 26
Mr. Pradyumn Kumar SinghExecutive Vice President(Corporate,Sme Business)177Mar 26
Mr. Tarun SharmaExecutive Vice President,Head(Collections)163Mar 26
Mr. Dhananjay KhannaSenior Vice President,Chief Information Security Officer148Mar 26
PAYAL MITTAL CHHABRAExecutive Vice President,Company Secretary,Chief Compliance Officer-Mar 26
Salila PandeExecutive Director,Managing Director,Chief Executive Officer-Mar 26
Mr. Krishna Kant BishnoiExecutive Vice President,Chief Risk Officer-Mar 26
Mr. Avinash AgrawalExecutive Vice President-Mar 26
Mr. Ved PrakashExecutive Vice President,Global Head(Internal Audit)-Mar 26
Mr. Saurav GhoshChief Operating Officer-Mar 26
Mr. Amit BatraChief Strategy Officer,Executive Vice President-Mar 26

SBI Cards and Payment Board of Directors

SBI Cards and Payment Board of directors with salaries, total experience, and qualifications.

NAMEPOSITIONGROSS REMUNERATION ₹(LAC)AS OFHISTORY & DETAILS
Salila PandeManaging Director & CEO135Mar 26
PAYAL MITTAL CHHABRAEVP / CS / CCO-Mar 26
PARVATHY VAIRAVASUNDARAMIndependent Non Exe. Director-Mar 26
Anuradha RaoIndependent Non Exe. Director-Mar 26
RAJNIKANT FAKIRBHAI PATELIndependent Non Exe. Director-Mar 26
Shriniwas Yeshwant JoshiIndependent Non Exe. Director-Mar 26
Ashwini Kumar TewariNon Independent Non Executive Director / Nominee-Mar 26
Challa Sreenivasulu SettyChairman / Non Indep. Non Exec. Director / Nominee-Mar 26

SBI Cards and Payment Brands

Brands owned by SBI Cards and Payment

LOGOBRAND NAME
OLA Money SBI Card
Apollo SBI Card
Paytm SBI Card SELECT
SBI Card ELITE
LOGOBRAND NAME
Central Bank of India SBI Elite Card
City Union Bank SBI Card PRIME
Allahabad Bank SBI Card ELITE
Karnataka Bank SBI Platinum Credit Card
LOGOBRAND NAME
SBI Card ELITE Business
Yatra SBI Card
Etihad Guest SBI Premier Card
IRCTC SBI Card Premier
LOGOBRAND NAME
SimplyCLICK SBI Card
Spar SBI Card PRIME
Max SBI Card PRIME
Lifestyle Home Centre SBI Card PRIME
Website: www.sbicard.com

About the company - Business Profile

SBI Cards and Payment Services Ltd. (SBI Card) is India's largest pure-play credit card issuer and the second-largest credit card company in the country by both cards-in-force and total spends. Headquartered in Gurugram, Haryana, the company was established in 1998 as a joint venture between the State Bank of India (SBI) and GE Capital. Following GE's exit, SBI remains the majority shareholder. The company offers a comprehensive portfolio of credit cards catering to diverse consumer segments, including super-premium, core, and co-branded cards. Its market position is anchored by its extensive distribution network and its strategic relationship with SBI, which provides access to a vast customer base across India.

Key Points

  • Key Facts: Founded in 1998; Headquartered in Gurugram, Haryana; Parent company is State Bank of India (SBI), which holds a 68.58% stake as of December 2025. The company is listed on both the BSE and NSE (Stock Code: SBICARD).
  • Operations and Resources: SBI Card operates as a non-banking financial company (NBFC). As of March 31, 2025, it reached a milestone of 2 crore cards-in-force. The company leverages a multi-channel distribution network comprising SBI's massive branch network, open market sourcing, and digital platforms.
  • Ownership and Listing: Originally a joint venture, it was listed in March 2020. The State Bank of India remains the dominant promoter.
  • Market Significance: It holds approximately 18.6% market share in cards-in-force (as of FY24). The company is a critical player in India's digital credit ecosystem, serving a wide demographic from Tier 1 to Tier 3+ cities.
  • Business Model and Strengths: The company generates revenue primarily through interest income on revolving balances and fee-based income (annual fees, transaction fees). Its core strength lies in its "pure-play" focus on credit cards, combined with advanced data analytics for risk management and customer life cycle management.
  • Revenue Breakdown (FY25 Annual Data):
    • Total Income: ₹18,637 crore (7% YoY growth).
    • Interest Income: ₹9,347 crore (18% YoY growth), contributing roughly 50% of total income.
    • Fees and Commission Income: ₹8,725 crore, accounting for nearly 47% of the income mix.
    • Other Income: Includes business development incentives and insurance commissions.
  • Product and Technology Highlights:
    • Super Premium: AURUM, SBI Card ELITE.
    • Co-brand Partnerships: Major tie-ups with IRCTC, Tata, Reliance, Vistara, and BPCL.
    • Rupay/UPI Integration: Significant expansion in UPI-enabled Rupay credit cards, with 145% growth in active UPI users on the Rupay base as of December 2025.
    • Digital Sourcing: New account sourcing maintained at approximately 9-10 lakh per quarter.
  • Employee and Organizational Metrics:
    • Employee Count: Over 3,800 permanent employees as of FY24.
    • Strategic Focus: Transitioning towards a "digital-first" mindset and enhancing collections through automated platforms.
  • Strategic Initiatives and Outlook:
    • Portfolio Quality: Focus on improving asset quality; Gross NPA (GNPA) stood at 2.41% in March 2026, down from 3.08% in March 2025.
    • Spend Categories: Key growth drivers include Departmental Stores & Grocery, Utilities, Fuel, and Travel.
    • Capital Adequacy: Capital Adequacy Ratio (CAR) remained healthy at 25.5% as of March 2026.

References

  1. Investor Presentation Jan 2026
  2. Investor Presentation Oct 2025
  3. Annual Report Apr 2025
  4. Investor Presentation Apr 2026
  5. Annual Report Apr 2024

SBI Cards and Payment FAQ

SBI Cards and Payment today is trading in the green, up by 1.5% at ₹532.9.
SBI Cards and Payment is currently trading up 1.5% on an intraday basis. In the past week the stock fell 2.32%. Stock has been down 19.28% in the past quarter and fell 39.35% in the past year. You can view this in the share price history/seasonality section.
SBI Cards and Payment is listed on NSE with the ticker SBICARD and on BSE as 543066. It's currently trading on NSE at a share price of ₹532.9 and on BSE with a share price of ₹533.4.
The market cap of SBI Cards and Payment is ₹50,713.39 Cr. as of Nov 02, 2026.
SBI Cards and Payment announced a INTERIM dividend of 25% which equals ₹2.5 in Mar 11, 2026.The last three ex-dates for SBI Cards and Payment were Feb 25, 2025, Mar 28, 2024 and Mar 29, 2023. To view the full dividend history of SBI Cards and Payment click here.
SBI Cards and Payment has never issued stock splits or bonus shares since the time of its listing on the BSE/NSE exchanges.
SBI Cards and Payment reported ₹5,301.67 Cr. in revenue, ₹777.6 Cr. in net profit, and ₹1,865.53 Cr. in EBITD as of Oct 23, 2026 for Q2 FY26-27.
According to the predictions of 24 analysts, the share price prediction for SBI Cards and Payment is ₹656.58 with an upside of 23%.
The PE ratio of SBI Cards and Payment is 19.45 as of Nov 02, 2026.
The PB ratio of SBI Cards and Payment is 3.09 as of Nov 02, 2026.
You can view the latest analyst reports on the SBI Cards and Payment reports dashboard. Either click on the Reports tab on this page's sub-header or click here to be directed to the dashboard.
You can set real-time stock alerts on price, volume, SMA, and several other parameters by scrolling to the top of this page and clicking the bell icon on the far right-hand side of the stock overview.
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