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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 | ₹10,62,579 Cr | ₹687.25 | 13.3 | 1.8 | 13.6% | —% | — | 1.9% | -23.89% |
| ICICI Bank Ltd | ₹9,74,772 Cr | — | 16.7 | 2.5 | 17.1% | —% | — | 0.9% | -4.26% |
| State Bank of India | ₹8,83,615 Cr | ₹957.25 | 10.3 | 1.4 | 16.0% | —% | — | 1.8% | -7.83% |
| Kotak Mahindra Bank Ltd | ₹4,37,707 Cr | ₹440 | 21.6 | 2.2 | 11.4% | —% | — | 0.2% | +4.38% |
| AXIS Bank Ltd | — | — | — | — | 13.2% | —% | — | — | -0.56% |
| Punjab National Bank | ₹1,39,788 Cr | — | 6.1 | 0.9 | 13.1% | —% | — | 2.5% | -5.48% |
| Union Bank of India | — | — | — | — | 15.7% | —% | 0.0 | — | +1.34% |
| Bank of Baroda | ₹1,17,990 Cr | ₹228.16 | 6.5 | 0.7 | 12.9% | —% | 0.0 | 3.7% | -20.51% |
| Indian Bank | ₹1,11,589 Cr | ₹828.45 | 8.4 | 1.3 | 15.5% | —% | 0.0 | 2.2% | -2.92% |
| Canara Bank | ₹1,08,830 Cr | — | 5.3 | 0.9 | 17.7% | —% | — | 3.6% | -22.04% |
| IDBI Bank Ltd | ₹86,181 Cr | — | 10.4 | 1.2 | 14.2% | —% | — | 2.7% | -23.56% |
| Federal Bank Ltd | ₹84,018 Cr | ₹340.1 | 16.6 | 2.0 | 12.0% | —% | 0.0 | 0.4% | +29.59% |
| Indusind Bank Ltd | ₹65,440 Cr | ₹839.9 | 21.8 | 1.0 | 1.4% | —% | 0.0 | 0.2% | -7.17% |
| IDFC First Bank Ltd | ₹64,054 Cr | — | 28.8 | 1.3 | 3.8% | —% | 0.0 | 0.4% | -10.57% |
| Bank of India | ₹61,948 Cr | — | 5.0 | 0.7 | 12.1% | —% | 0.0 | 3.6% | -14.77% |
| Bank of Maharashtra | ₹59,564 Cr | — | 7.9 | 1.7 | 22.7% | —% | 0.0 | 2.9% | +17.51% |
| Indian Overseas Bank | — | — | — | — | 15.6% | —% | 0.0 | — | -15.76% |
| RBL Bank Ltd | ₹53,569 Cr | ₹345.1 | 24.9 | 1.2 | 5.4% | —% | — | 0.3% | +32.85% |
| Yes Bank Ltd | ₹49,816 Cr | — | 11.9 | 0.9 | 7.1% | —% | 0.0 | 0.0% | -28.98% |
| Central Bank of India | — | — | — | — | 11.9% | —% | — | — | -20.51% |
| The Jammu & Kashmir Bank Limited | — | — | — | — | 15.4% | —% | — | — | +36.39% |
| South Indian Bank Ltd | — | — | — | — | 13.5% | —% | — | — | +28.89% |
| Karnataka Bank Ltd | ₹11,147 Cr | ₹294.6 | 7.8 | 0.8 | 10.4% | —% | — | 1.7% | +55.54% |
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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