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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 |
|---|---|---|---|---|---|---|---|---|---|
| State Bank of India | ₹9,26,662 Cr | ₹1,004.95 | 11.0 | 1.5 | 15.4% | —% | — | 1.7% | -2.28% |
| Kotak Mahindra Bank Ltd | ₹4,12,977 Cr | ₹414.5 | 20.6 | 2.3 | 11.4% | —% | — | 0.2% | -2.80% |
| AXIS Bank Ltd | — | ₹1,240.75 | — | — | 13.1% | —% | — | — | -4.47% |
| Union Bank of India | — | — | — | — | 15.7% | —% | 0.0 |
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.
rupiya.io is for research and education only. Metrics shown are not investment advice. Validate with SEBI-regulated disclosures before acting.
| — |
| +9.93% |
| Punjab National Bank | ₹1,32,356 Cr | — | 6.0 | 0.9 | 13.0% | —% | — | 2.6% | -6.59% |
| Indian Bank | — | ₹856.8 | — | — | 15.5% | —% | 0.0 | — | +4.78% |
| Canara Bank | — | — | — | — | 16.1% | —% | — | — | -17.57% |
| IDBI Bank Ltd | — | — | — | — | 14.2% | —% | — | — | -12.56% |
| Federal Bank Ltd | ₹84,927 Cr | ₹343.55 | 18.2 | 2.1 | 11.6% | —% | 0.0 | 0.4% | +37.81% |
| Indusind Bank Ltd | — | ₹1,004 | — | — | 1.4% | —% | 0.0 | — | +10.26% |
| IDFC First Bank Ltd | — | — | — | — | 3.8% | —% | 0.0 | — | +4.15% |
| Yes Bank Ltd | — | — | — | — | 7.1% | —% | 0.0 | — | -1.80% |
| Bank of Maharashtra | — | — | — | — | 22.7% | —% | 0.0 | — | +30.78% |
| RBL Bank Ltd | — | ₹418.55 | — | — | 5.4% | —% | — | — | +36.92% |
| Bank of India | — | — | — | — | 12.4% | —% | 0.0 | — | -4.37% |
| Indian Overseas Bank | — | — | — | — | 15.6% | —% | 0.0 | — | -6.39% |
| Central Bank of India | — | — | — | — | 11.9% | —% | — | — | -18.06% |
| The Jammu & Kashmir Bank Limited | — | — | — | — | 15.4% | —% | — | — | +46.42% |
| South Indian Bank Ltd | — | — | — | — | 13.5% | —% | — | — | +15.47% |