SBI
India’s largest public sector bank with broad digital banking.
Available information varies by company and source.
Profile record updated:
Company facts
- Official name
- State Bank of India
- Entity type
- BUSINESS_UNIT
- Headquarters
- State Bank Bhavan, Madame Cama Road, Nariman Point, Mumbai, Maharashtra 400021
- Company size
- >5,000
- Market role
- Other / Non-Digital Advertising Relevant
- Ticker
- SBIN
- Official website
- sbi.bank.in
What SBI does
SBI operates a universal banking model. It gathers low-cost and term deposits, deploys capital into retail, corporate and treasury lending, and monetises the spread between funding costs and asset yields. Around that core balance-sheet model, it adds fee income from transaction banking, cards, remittances, account services, investment and insurance distribution, and digital servicing. Its digital platforms function as customer acquisition, servicing and cross-sell infrastructure that increase product penetration and reduce reliance on physical branches for routine transactions.
Category differentiation
This is the Indian public sector bank, not the separately branded SBI Card entity or a software vendor. Its digital products are banking channels, not standalone martech or adtech platforms.
Strategic context
AI-supported assessment from the existing company research; distinguish interpretation from sourced facts.
State Bank of India is a publicly listed, government-controlled commercial bank headquartered in India. It provides retail banking, corporate banking, treasury services, payments, credit cards and digital banking products. Its digital estate includes YONO SBI for consumer banking and commerce, OnlineSBI for web banking, and SBI Anywhere Corporate for business users. The company generates revenue primarily from interest income on loans and investments, alongside fees from cards, payments, account services and distribution of financial products. Its customers span individual consumers, households, SMEs, proprietorship firms and large corporate clients, with India as the core operating market. SBI combines branch-based banking with digital channels to acquire customers, deepen product usage and reduce service friction. It is not an adtech or martech company; it is a banking institution with digital delivery channels and ancillary commerce distribution inside its consumer app.
Business model & monetisation
SBI monetises through net interest income on loans and investments, plus fee-based banking revenue. Specific mechanisms include loan interest, deposit spreads, card annual and transaction fees, interchange-related economics, account and service charges, payment and remittance fees, and commissions from insurance, mutual funds and related financial products. YONO also supports partner distribution and referral-style revenue through integrated third-party commerce and service access. Pricing varies by product through interest rates, service fees, merchant-linked card economics and premium banking charges.
- Net interest income from loans and investments
- Interest spread
- Transaction and account service fees
- Service fee
- Credit card fees and payment economics
- Service fee
- Insurance, investment and third-party product distribution
- Commission / referral
- Digital commerce partner revenues via YONO
- Referral / partner fee
Products & capabilities
No products with linked sources are available in this view.
Products & market categories
Recent recorded signals
Dates refer to the source publication. Older entries are historical context, not evidence of a new event.
No sufficiently sourced and dated signals are available for this view.
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Questions about SBI
What is State Bank of India?
State Bank of India is India’s largest public sector bank, providing retail, corporate, treasury and digital banking services.
Who uses State Bank of India?
Its users include individual consumers, households, SMEs, proprietorship firms and large corporate banking customers, primarily in India.
How does State Bank of India make money?
It makes money through loan interest spreads, transaction and account fees, card-related fees and commissions from distributed financial products.
Sources & coverage
This profile uses public, official and technically observable information. Missing information does not prove that a product or relationship does not exist. The list below does not imply that every profile statement has been verified.
18 publicly documented primary sources and citations linked across the market graph.
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