Official Financial Leaderboard • June 2026 Results (Q1 FY27)
Top 10 Indian Banks Simply Explained: Scale vs. Efficiency
The Indian banking landscape in the standalone June 2026 quarter (Q1 FY27) shows intense competition as the top 10 players aggressively optimize their balance sheets. Dive into our comprehensive banking sector analysis.
Total Scale Leader
SBI: ₹110L Cr
₹1,10,00,000 Cr Total Biz
Valuation Giant
HDFC: ₹14.35L Cr
Highest Market Capitalization
Lowest Net NPA Risk
Indian Bank: 0.15%
Industry-leading asset safety
Margin Champion
Kotak: 4.53% NIM
Highest Net Interest Margin
Chart Color Keys:
PSU Banks
Private Sector Banks
*Rank 1 is the longest bar at the top
📊 Master Scorecard: Top 10 Indian Banks Leaderboard (Q1 FY27)
All figures reflect standardized standalone values in ₹ Crore unless designated as Lakh Crore.
| Bank Name | Sector | Total Business | Deposits | Advances | Net Profit (₹ Cr) | Gross/Net NPA | M-Cap | NIM |
|---|---|---|---|---|---|---|---|---|
|
|
PSU | ₹1,10,00,000 | ₹51,80,000 | ₹58,20,000 | ₹21,121 | 1.47% / 0.38% | ₹9.54L Cr | 3.00% |
|
|
PRIVATE | ₹62,32,000 | ₹31,71,000 | ₹30,61,000 | ₹19,060 | 1.17% / 0.41% | ₹14.35L Cr | 3.26% |
|
|
PRIVATE | ₹33,98,000 | ₹17,48,000 | ₹16,50,000 | ₹14,805 | 1.95% / 0.41% | ₹9.89L Cr | 4.09% |
|
|
PSU | ₹30,51,000 | ₹16,34,000 | ₹14,17,000 | ₹1,278* | 1.99% / 0.52% | ₹1.32L Cr | 3.18% |
|
|
PSU | ₹29,98,000 | ₹17,24,000 | ₹12,74,000 | ₹5,253 | 2.78% / 0.65% | ₹1.40L Cr | 2.50% |
|
|
PSU | ₹29,05,000 | ₹16,12,000 | ₹12,93,000 | ₹4,856 | 1.57% / 0.36% | ₹1.05L Cr | 2.52% |
|
|
PRIVATE | ₹26,34,000 | ₹13,73,000 | ₹12,61,000 | ₹7,114 | 1.28% / 0.39% | ₹3.60L Cr | 3.46% |
|
|
PRIVATE | ₹15,60,000 | ₹7,40,000 | ₹8,20,000 | ₹4,123 | 1.18% / 0.27% | ₹3.45L Cr | 4.53% |
|
|
PSU | ₹15,28,000 | ₹8,45,000 | ₹6,85,000 | ₹3,273 | 1.86% / 0.15% | ₹0.74L Cr | 3.41% |
|
|
PSU | ₹15,10,000 | ₹8,50,000 | ₹6,60,000 | ₹5,332 | 2.55% / 0.47% | ₹0.92L Cr | 2.80% |
*Bank of Baroda net profit impacted by a one-time extraordinary settlement. Normalized PAT was INR 5,528 Cr.
📈 Parameter-by-Parameter Visual Rankings
1. Total Business (Deposits + Advances)
₹ Crore
1. State Bank of India (PSU)₹1,10,00,000 Cr
2. HDFC Bank (Private)₹62,32,000 Cr
3. ICICI Bank (Private)₹33,98,000 Cr
4. Bank of Baroda (PSU)₹30,51,000 Cr
5. Punjab National Bank (PSU)₹29,98,000 Cr
6. Canara Bank (PSU)₹29,05,000 Cr
7. Axis Bank (Private)₹26,34,000 Cr
8. Kotak Mahindra Bank (Private)₹15,60,000 Cr
9. Indian Bank (PSU)₹15,28,000 Cr
10. Union Bank of India (PSU)₹15,10,000 Cr
2. Total Advances (Loan Books Disbursed)
₹ Crore
1. State Bank of India (PSU)₹58,20,000 Cr
2. HDFC Bank (Private)₹30,61,000 Cr
3. ICICI Bank (Private)₹16,50,000 Cr
4. Bank of Baroda (PSU)₹14,17,000 Cr
5. Canara Bank (PSU)₹12,93,000 Cr
6. Punjab National Bank (PSU)₹12,74,000 Cr
7. Axis Bank (Private)₹12,61,000 Cr
8. Kotak Mahindra Bank (Private)₹8,20,000 Cr
9. Indian Bank (PSU)₹6,85,000 Cr
10. Union Bank of India (PSU)₹6,60,000 Cr
3. Total Deposits (Public Savings & Term Deposits)
₹ Crore
1. State Bank of India (PSU)₹51,80,000 Cr
2. HDFC Bank (Private)₹31,71,000 Cr
3. ICICI Bank (Private)₹17,48,000 Cr
4. Punjab National Bank (PSU)₹17,24,000 Cr
5. Bank of Baroda (PSU)₹16,34,000 Cr
6. Canara Bank (PSU)₹16,12,000 Cr
7. Axis Bank (Private)₹13,73,000 Cr
8. Union Bank of India (PSU)₹8,50,000 Cr
9. Indian Bank (PSU)₹8,45,000 Cr
10. Kotak Mahindra Bank (Private)₹7,40,000 Cr
4. Market Capitalization (Stock Valuation)
₹ Lakh Crore
1. HDFC Bank (Private)₹14.35 Lakh Cr
2. ICICI Bank (Private)₹9.89 Lakh Cr
3. State Bank of India (PSU)₹9.54 Lakh Cr
4. Axis Bank (Private)₹3.60 Lakh Cr
5. Kotak Mahindra Bank (Private)₹3.45 Lakh Cr
6. Punjab National Bank (PSU)₹1.40 Lakh Cr
7. Bank of Baroda (PSU)₹1.32 Lakh Cr
8. Canara Bank (PSU)₹1.05 Lakh Cr
9. Union Bank of India (PSU)₹0.92 Lakh Cr
10. Indian Bank (PSU)₹0.74 Lakh Cr
5. Net Interest Margin (NIM %)
Lending Yield Spread %
1. Kotak Mahindra Bank (Private)4.53%
2. ICICI Bank (Private)4.09%
3. Axis Bank (Private)3.46%
4. Indian Bank (PSU)3.41%
5. HDFC Bank (Private)3.26%
6. Bank of Baroda (PSU)3.18%
7. State Bank of India (PSU)3.00%
8. Union Bank of India (PSU)2.80%
9. Canara Bank (PSU)2.52%
10. Punjab National Bank (PSU)2.50%
6. Gross NPA vs. Net NPA (%)
■ Gross NPA (Stressed Assets)
■ Net NPA (Actual Remaining Risk)
Ranked by Gross NPA. Two bars are plotted one below each other. The green bar visually confirms robust cash provisioning across the board.
1. Punjab National Bank (PSU)
Gross: 2.78%
Net: 0.65%
2. Union Bank of India (PSU)
Gross: 2.55%
Net: 0.47%
3. Bank of Baroda (PSU)
Gross: 1.99%
Net: 0.52%
4. ICICI Bank (Private)
Gross: 1.95%
Net: 0.41%
5. Indian Bank (PSU)
Gross: 1.86%
Net: 0.15%
6. Canara Bank (PSU)
Gross: 1.57%
Net: 0.36%
7. State Bank of India (PSU)
Gross: 1.47%
Net: 0.38%
8. Axis Bank (Private)
Gross: 1.28%
Net: 0.39%
9. Kotak Mahindra Bank (Private)
Gross: 1.18%
Net: 0.27%
10. HDFC Bank (Private)
Gross: 1.17%
Net: 0.41%
7. Operating Profit vs. Net Profit (₹ Crore)
■ Operating Profit
■ Net Profit (PAT)
Ranked by Operating Profit. Two bars are placed one below each other to compare core operational power against final take-home earnings.
1. State Bank of India (PSU)
Op: ₹33,529 Cr
Net: ₹21,121 Cr
2. HDFC Bank (Private)
Op: ₹24,800 Cr
Net: ₹19,060 Cr
3. ICICI Bank (Private)
Op: ₹20,235 Cr
Net: ₹14,805 Cr
4. Axis Bank (Private)
Op: ₹11,659 Cr
Net: ₹7,114 Cr
5. Bank of Baroda (PSU)
Op: ₹10,584 Cr
Net: ₹1,278 Cr*
6. Canara Bank (PSU)
Op: ₹8,636 Cr
Net: ₹4,856 Cr
7. Union Bank of India (PSU)
Op: ₹8,003 Cr
Net: ₹5,332 Cr
8. Punjab National Bank (PSU)
Op: ₹6,800 Cr
Net: ₹5,253 Cr
9. Indian Bank (PSU)
Op: ₹5,557 Cr
Net: ₹3,273 Cr
10. Kotak Mahindra Bank (Private)
Op: ₹5,340 Cr
Net: ₹4,123 Cr
8. Total Staff Headcount (Workforce Scale)
Employees
1. SBI (PSU)2,32,000
2. HDFC Bank (Private)2,15,000
3. ICICI Bank (Private)1,40,000
4. Axis Bank (Private)1,02,000
5. PNB (PSU)1,00,000
6. Canara Bank (PSU)84,000
7. Bank of Baroda (PSU)79,000
8. Kotak Mahindra Bank (Private)78,000
9. Union Bank of India (PSU)75,000
10. Indian Bank (PSU)41,000
9. Business per Employee (Staff Productivity)
₹ Crore / Employee
1. State Bank of India (PSU)₹47.41 Crore
2. Bank of Baroda (PSU)₹38.62 Crore
3. Indian Bank (PSU)₹37.27 Crore
4. Canara Bank (PSU)₹34.58 Crore
5. Punjab National Bank (PSU)₹29.98 Crore
6. HDFC Bank (Private)₹28.98 Crore
7. Axis Bank (Private)₹25.82 Crore
8. ICICI Bank (Private)₹24.27 Crore
9. Union Bank of India (PSU)₹20.13 Crore
10. Kotak Mahindra Bank (Private)₹20.00 Crore
10. Cost of Deposits (%)
Interest Rate %
1. Kotak Mahindra Bank (Private)5.50%
2. Axis Bank (Private)5.35%
3. HDFC Bank (Private)5.33%
4. Union Bank of India (PSU)5.15%
5. Canara Bank (PSU)5.12%
6. State Bank of India (PSU)5.08%
7. Bank of Baroda (PSU)5.02%
8. ICICI Bank (Private)5.00%
9. Punjab National Bank (PSU)4.88%
10. Indian Bank (PSU)4.80%
The Executive Gist
