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Credit cycle upswing with clean balance sheets positions banks for sustained earnings compounding.
| Company | M.Cap | Price | P/E | P/B | ROE | ROCE | D/E | Div Yield | 1Y Return |
|---|---|---|---|---|---|---|---|---|---|
| HDFC Bank Ltd | ₹11,81,492 Cr | ₹759.15 | 17.1 | 2.1 | 13.8% | 0.0% | 0.0 | 1.7% | -22.43% |
| ICICI Bank Ltd | ₹8,89,489 Cr | ₹1,242.8 | 16.6 | 2.5 | 16.4% | 0.0% | 0.0 | 1.0% | -8.42% |
| State Bank of India | ₹8,88,862 Cr | ₹950.9 | 10.7 | 1.6 | 15.5% | 0.0% | 0.0 | 1.8% | +0.61% |
| AXIS Bank Ltd | ₹3,85,030 Cr | ₹1,253.3 | 14.7 | 1.8 | 13.2% | 0.0% | 0.0 | 0.1% | +1.72% |
| Kotak Mahindra Bank Ltd | ₹3,85,189 Cr | ₹380.85 | 20.5 | 2.3 | 11.4% | 0.0% | 0.0 | 0.2% | -7.02% |
| Bank of Baroda | ₹1,35,231 Cr | ₹263.1 | 7.0 | 0.8 | 12.7% | 0.0% | 0.0 | 3.2% | -8.28% |
| Punjab National Bank | ₹1,17,285 Cr | ₹101.92 | 6.6 | 0.8 | 13.0% | 0.0% | 0.0 | 2.9% | -16.66% |
| Canara Bank | ₹1,16,104 Cr | ₹127.97 | 5.3 | 1.0 | 17.6% | 0.0% | 0.0 | 3.2% | -10.63% |
| AU Small Finance Bank Ltd | ₹72,733 Cr | ₹958.7 | 27.7 | 3.6 | 0.0% | 0.0% | 0.0 | 0.0% | +12.3% |
| Bandhan Bank Ltd | ₹30,637 Cr | ₹191.08 | 25.1 | 1.2 | 4.9% | 0.0% | 0.0 | 0.8% | +24.77% |
| Bank of India | ₹62,840 Cr | ₹139.23 | 6.1 | 0.7 | 12.1% | 0.0% | 0.0 | 3.3% | -3.00% |
| Capital Small Finance Bank Ltd | ₹1,258 Cr | ₹280.4 | 8.9 | 0.9 | 9.9% | 0.0% | 0.0 | 0.0% | +1.90% |
| Central Bank of India | ₹30,395 Cr | ₹33.92 | 6.7 | 0.8 | 11.9% | 0.0% | 0.0 | 1.8% | -9.61% |
| CSB Bank Ltd | ₹6,005 Cr | ₹364.05 | 9.7 | 1.3 | 13.5% | 0.0% | 0.0 | 0.0% | -16.68% |
| City Union Bank Ltd | ₹18,470 Cr | ₹252.15 | 14.0 | 1.9 | 13.2% | 0.0% | 0.0 | 0.8% | -1.03% |
| DCB Bank Ltd | ₹5,720 Cr | ₹182.05 | 7.8 | 0.9 | 12.0% | 0.0% | 0.0 | 0.8% | +3.10% |
| Dhanlaxmi Bank Ltd | ₹1,231 Cr | ₹34.42 | 12.8 | 0.9 | 7.2% | 0.0% | 0.0 | 0.0% | +24.76% |
| Equitas Small Finance Bank Ltd | ₹7,619 Cr | ₹68.96 | 0.0 | 1.3 | 1.7% | 0.0% | 0.9 | 0.0% | +15.07% |
| ESAF Small Finance Bank Ltd | ₹1,508 Cr | ₹27.67 | 0.0 | 0.9 | 0.0% | 0.0% | 0.0 | 0.0% | +3.44% |
| Federal Bank Ltd | ₹69,019 Cr | ₹283.75 | 16.0 | 1.9 | 11.7% | 0.0% | 0.0 | 0.4% | +18.76% |
| Fino Payments Bank Ltd | ₹1,025 Cr | ₹120.86 | 14.8 | 1.3 | 6.8% | 0.0% | 0.0 | 0.0% | -57.51% |
| IDBI Bank Ltd | ₹79,095 Cr | ₹72.9 | 8.5 | 1.2 | 14.2% | 0.0% | 0.0 | 0.0% | -30.53% |
| IDFC First Bank Ltd | ₹57,710 Cr | ₹68.3 | 35.7 | 1.2 | 0.0% | 0.0% | 0.0 | 0.0% | -17.16% |
| Indian Bank | ₹1,10,525 Cr | ₹818.95 | 9.4 | 1.4 | 15.4% | 0.0% | 0.0 | 2.2% | -6.60% |
| Indusind Bank Ltd | ₹68,359 Cr | ₹899.95 | 76.8 | 1.0 | 1.4% | 0.0% | 0.0 | 0.2% | +3.20% |
| Indian Overseas Bank | ₹63,720 Cr | ₹33.77 | 11.8 | 1.9 | 15.7% | 0.0% | 0.0 | 0.0% | -14.33% |
| J&KBANK | ₹14,392 Cr | ₹140.06 | 6.1 | 1.0 | 15.4% | 0.0% | 0.0 | 0.0% | +30.23% |
| Jana Small Finance Bank Ltd | ₹4,867 Cr | ₹450.5 | 15.0 | 1.1 | 7.6% | 0.0% | 0.0 | 0.0% | +3.54% |
| Karur Vysya Bank Ltd | ₹28,544 Cr | ₹288.1 | 11.4 | 2.2 | 0.0% | 0.0% | 0.0 | 0.0% | +16.78% |
| Karnataka Bank Ltd | ₹9,184 Cr | ₹270.85 | 8.0 | 0.7 | 0.0% | 0.0% | 0.0 | 0.0% | +34.99% |
| Bank of Maharashtra | ₹59,586 Cr | ₹79.76 | 8.5 | 1.8 | 22.7% | 0.0% | 0.0 | 2.8% | +35.14% |
| Punjab & Sind Bank | ₹16,575 Cr | ₹23.69 | 12.6 | 1.2 | 9.6% | 0.0% | 0.0 | 1.7% | -22.82% |
| RBL Bank Ltd | ₹20,133 Cr | ₹328.75 | 23.1 | 1.2 | 0.0% | 0.0% | 0.0 | 0.3% | +1.89% |
| South Indian Bank Ltd | ₹10,012 Cr | ₹41.01 | 6.9 | 0.9 | 13.5% | 0.0% | 0.0 | 0.0% | -2.62% |
| Suryoday Small Finance Bank Ltd | ₹1,780 Cr | ₹159.68 | 11.7 | 0.9 | 7.6% | 0.0% | 0.0 | 0.0% | +17.36% |
| Tamilnad Mercantile Bank Ltd | ₹10,875 Cr | ₹691.6 | 8.1 | 1.1 | 14.0% | 0.0% | 0.0 | 1.9% | +35.67% |
| UCO Bank | ₹30,897 Cr | ₹24.82 | 11.2 | 0.9 | 8.6% | 0.0% | 0.0 | 1.8% | -20.75% |
| Ujjivan Small Finance Bank Ltd | ₹10,529 Cr | ₹52.9 | 15.4 | 1.7 | 10.7% | 0.0% | 0.0 | 0.0% | +6.20% |
| Union Bank of India | ₹1,23,626 Cr | ₹160.12 | 6.4 | 0.9 | 15.7% | 0.0% | 0.0 | 3.0% | +1.72% |
| Utkarsh Small Finance Bank Ltd | ₹2,409 Cr | ₹13.21 | 0.0 | 0.6 | 0.0% | 0.0% | 0.0 | 0.0% | -19.35% |
| Yes Bank Ltd | ₹67,385 Cr | ₹21.57 | 19.2 | 1.4 | 7.1% | 0.0% | 0.0 | 0.0% | -4.09% |
Indian banking is at a cyclical sweet spot with asset quality at decadal highs and credit growth at 14-16%. The sector has undergone massive consolidation with PSU bank mergers and the landmark HDFC-HDFC Bank deal. Private banks continue gaining deposit market share through superior technology and branch expansion.
CASA ratios above 40% provide funding cost advantage. Key metrics: NIM (Net Interest Margin), GNPA ratio, Provision Coverage Ratio, CASA ratio, ROA, and credit-deposit ratio. PSU banks trade at 0.8-1.2x book offering deep value, while quality private banks command 2-3x.
Small finance banks are emerging as high-growth niche players in micro and MSME lending.
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