State Bank of India (NSE:SBIN)

State Bank of India Cash Flow Statement

Financials in millions INR. Fiscal year is April - March.

Operating Activities

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Net Income	904,341	832,988	775,613	670,847	556,482	353,739
Depreciation & Amortization	52,738	48,297	39,915	38,491	36,956	36,913
Gain (Loss) on Sale of Assets	-68,782	-23,771	237.48	252.05	290.32	66.62
Gain (Loss) on Sale of Investments	44,953	38,058	-46,965	-54,969	64,065	39,175
Total Asset Writedown	-	-	-	-	108,269	158,459
Provision for Credit Losses	172,844	210,330	188,436	109,774	56,415	45,818
Change in Other Net Operating Assets	-8,552,496	-6,746,605	-5,233,762	-5,502,250	-5,564,843	-3,896,946
Other Operating Activities	60,486	4,664	12,903	-11,733	82,922	127,232
Operating Cash Flow	-7,402,566	-5,651,017	-4,278,765	-4,763,695	-4,671,386	-3,143,845
Operating Cash Flow Growth	-	-	-	-	-	-

Investing Activities

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Capital Expenditures	-88,624	-83,630	-56,372	-41,751	-40,436	-33,053
Sale of Property, Plant and Equipment	-	-	-	-	-	2,543
Cash Acquisitions	0.02	-1,083	-	-821.61	-	-5,828
Income (Loss) Equity Investments	-16,649	-14,979	-15,143	-14,107	-11,941	-8,302
Divestitures	68,793	77,794	-65.19	-	-	119.73
Other Investing Activities	6.1	9.3	90.01	55.72	26.63	31.95
Investing Cash Flow	-19,825	-6,909	-56,347	-42,517	-40,410	-36,185

Financing Activities

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Long-Term Debt Issued	-	137,385	215,000	201,646	195,331	140,740
Long-Term Debt Repaid	-	-196,720	-151,039	-142,882	-21,250	-105,183
Net Debt Issued (Repaid)	55,720	-59,335	63,961	58,764	174,081	35,557
Issuance of Common Stock	27.54	249,945	1.29	-	0.06	-
Common Dividends Paid	-160,151	-141,901	-122,267	-100,848	-63,367	-35,698
Net Increase (Decrease) in Deposit Accounts	6,917,459	6,031,991	4,733,605	4,980,020	3,811,249	3,720,794
Other Financing Activities	-55,252	-82,980	-49,063	-56,879	-46,850	-38,304
Financing Cash Flow	6,757,804	5,997,720	4,626,237	4,881,057	3,875,113	3,682,348

Net Cash Flow

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Foreign Exchange Rate Adjustments	69,611	99,309	22,482	7,760	30,751	9,663
Net Cash Flow	-594,976	439,103	313,606	82,604	-805,932	511,981

Free Cash Flow

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Free Cash Flow	-7,491,189	-5,734,647	-4,335,137	-4,805,447	-4,711,822	-3,176,898
Free Cash Flow Growth	-	-	-	-	-	-
Free Cash Flow Margin	-190.89%	-152.24%	-126.41%	-146.90%	-177.66%	-141.76%
Free Cash Flow Per Share	-811.59	-627.59	-485.75	-538.45	-527.96	-355.97

Additional Metrics

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Cash Interest Paid	70,538	77,217	72,686	85,893	63,246	54,110
Cash Income Tax Paid	342,896	363,640	337,933	312,807	173,250	90,252

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 5, 2026

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