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Sbi Cards And Payment Services Limited
Sbi Cards And Payment Services Limited, with incorporation dating back to 1998, brings more than 2 decades of expertise. Its CIN is L65999DL1998PLC093849, with registration number 93849. Sbi Cards And Payment Services Limited is registered as company limited by shares. Authorized share capital stands at ₹1,500.00 crore. Its paid up capital is ₹951.55 crore.
Its primary business activity involves financial intermediation; except insurance and pension funding. The firm’s place of registration is Delhi. The company is incorporated with the address Unit 401 & 402,4th Floor,aggarwal Millennium Tower E 1,2,3, Netaji Subhash Place, Wazirpur, North West, New Delhi, Delhi, India, 110034. Sbi Cards And Payment Services Limited holds an active company status. The Permanent Account Number assigned to the company is AAECS5981K. As per official records, the company’s LEI is 335800HN4Y9OTCFH4236. The designated company email address is investor.relations@sbicard.com. The executive leadership listing includes Rashmi Mohanty (CFO), Salila Pande (CEO), Rashmi Mohanty (CFO) and Salila Pande (CEO).
Company Overview
- CIN
- Date of Incorporation
- 14/05/1998
- Company Status
- Active
- RoC
- Delhi
- Registration Number
- Balance sheet date
- 31/03/2025
- Company Category
- Company limited by shares
- Company Sub Category
- Non-government company
- Listed in Stock Exchange
- Yes
- Class of Company
- Public Limited Company
- LEI Number
- LEI Status
- Issued
- Authorized Capital
- ₹15,00,00,00,000.00
- Paid up Capital
- ₹9,51,54,75,040.00
- Activity
- Financial Intermediation; Except Insurance And Pension Funding
- investor.relations@sbicard.com
- PAN
GST Numbers
| State | GST Number | Status |
|---|---|---|
| Andhra Pradesh | 37AAECS5981K2ZP | Active |
| 37AAECS5981K1ZQ | Inactive | |
| Bihar | 10AAECS5981K1Z6 | Active |
| Chhattisgarh | 22AAECS5981K1Z1 | Inactive |
| Chandigarh | 04AAECS5981K1ZZ | Active |
| Delhi | 07AAECS5981K1ZT | Active |
| Goa | 30AAECS5981K1Z4 | Inactive |
| Gujarat | 24AAECS5981K1ZX | Active |
| Haryana | 06AAECS5981K1ZV | Active |
| 06AAECS5981K2ZU | Active |
ISIN Numbers
| ISIN | Security | Interest Rate | Maturity Date | FISN | CFI |
|---|---|---|---|---|---|
| INE018E08367 | SBI CARDS AND PAYMENT SERVICES LIMITED SR 36 8.25 NCD 08AG34 FVRS1CR | 8.25% | 08/08/2034 | SBI CARDS PAY/8.25 DEB UNSEC | DBFUFN |
| INE018E08359 | SBI CARDS AND PAYMENT SERVICES LIMITED SR 35 8.29 NCD 28FB34 FVRS1CR | 8.29% | 28/02/2034 | SBI CARDS PAY/8.29 DEB UNSEC | DBFUFN |
| INE018E08342 | SBI CARDS AND PAYMENT SERVICES LIMITED SR 34 8.33 NCD 24JN34 FVRS1CR | 8.33% | 24/01/2034 | SBI CARDS PAY/8.33 DEB UNSEC | DBFUFN |
| INE018E08300 | SBI CARDS AND PAYMENT SERVICES LIMITED SR 30 8.25 NCD 30JU32 FVRS1CR | 8.25% | 30/06/2032 | SBI CARDS PAY/8.25 DEB 20320630 | DBFUFN |
| INE018E08169 | SBI CARDS AND PAYMENT SERVICES LIMITED SERIES 16 8.99 NCD 12JU29 FVRS10LC | 8.99% | 12/06/2029 | SBI CARDS PAY/8.99 DEB 20290612 | DBFUFN |
| INE018E08144 | SBI CARDS AND PAYMENT SERVICES LIMITED SR 14 9.55 NCD 29JN29 FVRS10LAC | 9.55% | 29/01/2029 | SBI CARDS PAY/9.55 DEB 20290129 | DBFUFN |
| INE018E08375 | SBI CARDS AND PAYMENT SERVICES LIMITED SR 37 7.05 NCD 28JL28 FVRS1LAC | 7.05% | 28/07/2028 | SBI CARDS PAY/7.05 DEB UNSEC | DBFUFN |
| INE018E08334 | SBI CARDS AND PAYMENT SERVICES LIMITED SR 33 7.85 NCD 17MY28 FVRS1LAC | 7.85% | 17/05/2028 | SBI CARDS PAY/7.85 DEB SNR | DBFUFN |
| INE018E01016 | SBI CARDS AND PAYMENT SERVICES LIMITED EQ | - | 12/10/2026 | SBI CARDS PAY/SH VTG | ESVUFN |
| IN8018E01015 | SBI CARDS AND PAYMENT SERVICES LIMITED EQ LISTING/TRADING APPROVAL AWAITED | - | 12/10/2026 | SBI CARDS PAY/SH VTG | ESVUFN |
| INE018E08078 | SBI CARDS AND PAYMENT SERVICES LIMITED SR-07 8.1 LOA 17OT23 FVRS10LAC | 8.1% | 17/10/2023 | SBI CARDS PAY/8.1 DEB 20231017 | DBFUFN |
| INE018E08151 | SBI CARDS AND PAYMENT SERVICES LIMITED SR 15 8.55 NCD 12AG22 FVRS10LAC | 8.55% | 12/08/2022 | SBI CARDS PAY/8.55 DEB 20220812 | DBFUFN |
Balance Sheet
| Metric | 31/03/2026 | 31/03/2025 | 31/03/2024 | 31/03/2023 | 31/03/2022 |
|---|---|---|---|---|---|
| Net PPE | ₹15,798.00L | ₹22,690.00L | ₹43,842.00L | ₹45,361.00L | ₹0.00L |
| Net Debt | ₹41,93,070.00L | ₹42,38,670.00L | ₹37,38,265.00L | ₹30,09,358.00L | ₹0.00L |
| Gross PPE | ₹63,166.00L | ₹62,729.00L | ₹83,295.00L | ₹76,794.00L | ₹0.00L |
| Total Debt | ₹44,23,027.00L | ₹45,17,068.00L | ₹40,31,470.00L | ₹31,53,109.00L | ₹0.00L |
| Common Stock | ₹95,160.00L | ₹95,136.00L | ₹95,097.00L | ₹94,607.00L | ₹0.00L |
| Share Issued | ₹9,516.00L | ₹9,513.57L | ₹9,509.69L | ₹9,460.74L | ₹0.00L |
| Total Assets | ₹66,32,779.00L | ₹65,54,580.00L | ₹58,17,123.00L | ₹45,54,556.00L | ₹0.00L |
| Capital Stock | ₹95,160.00L | ₹95,136.00L | ₹95,097.00L | ₹94,607.00L | ₹0.00L |
| Prepaid Assets | ₹17,059.00L | ₹10,664.00L | ₹13,595.00L | ₹11,918.00L | ₹0.00L |
| Invested Capital | ₹59,78,923.00L | ₹58,72,833.00L | ₹51,97,511.00L | ₹40,93,967.00L | ₹0.00L |
| Other Properties | ₹15,796.00L | ₹22,675.00L | ₹26.00L | ₹44,754.00L | ₹0.00L |
| Retained Earnings | ₹10,52,003.00L | ₹9,02,169.00L | ₹7,72,802.00L | ₹6,04,202.00L | ₹0.00L |
| Common Stock Equity | ₹15,72,550.00L | ₹13,78,172.00L | ₹12,08,403.00L | ₹9,83,005.00L | ₹0.00L |
| Net Tangible Assets | ₹15,65,236.00L | ₹13,67,836.00L | ₹11,95,803.00L | ₹9,71,003.00L | ₹0.00L |
| Tangible Book Value | ₹15,65,236.00L | ₹13,67,836.00L | ₹11,95,803.00L | ₹9,71,003.00L | ₹0.00L |
| Stockholders Equity | ₹15,72,550.00L | ₹13,78,172.00L | ₹12,08,403.00L | ₹9,83,005.00L | ₹0.00L |
| Other Equity Interest | ₹1,511.00L | ₹1,541.00L | ₹1,279.00L | ₹4,013.00L | ₹0.00L |
| Total Capitalization | ₹59,78,923.00L | ₹58,72,833.00L | ₹51,97,511.00L | ₹40,93,967.00L | ₹0.00L |
| Ordinary Shares Number | ₹9,516.00L | ₹9,513.57L | ₹9,509.69L | ₹9,460.74L | ₹0.00L |
| Other Intangible Assets | ₹7,314.00L | ₹10,336.00L | ₹12,600.00L | ₹12,002.00L | ₹0.00L |
| Cash And Cash Equivalents | ₹2,13,303.00L | ₹2,55,991.00L | ₹2,50,843.00L | ₹1,01,604.00L | ₹0.00L |
| Construction In Progress | ₹2.00L | ₹15.00L | ₹10.00L | ₹606.00L | ₹0.00L |
| Accumulated Depreciation | -₹47,368.00L | -₹40,039.00L | -₹39,453.00L | -₹31,433.00L | ₹0.00L |
| Additional Paid In Capital | ₹1,17,659.00L | ₹1,16,950.00L | ₹1,15,833.00L | ₹1,05,256.00L | ₹0.00L |
| Machinery Furniture Equipment | ₹34,514.00L | ₹34,697.00L | ₹56,996.00L | ₹48,382.00L | ₹0.00L |
| Goodwill And Other Intangible Assets | ₹7,314.00L | ₹10,336.00L | ₹12,600.00L | ₹12,002.00L | ₹0.00L |
| Total Equity Gross Minority Interest | ₹15,72,550.00L | ₹13,78,172.00L | ₹12,08,403.00L | ₹9,83,005.00L | ₹0.00L |
| Total Liabilities Net Minority Interest | ₹50,60,229.00L | ₹51,76,408.00L | ₹46,08,720.00L | ₹35,71,551.00L | ₹0.00L |
| Long Term Debt And Capital Lease Obligation | ₹44,23,027.00L | ₹45,17,068.00L | ₹40,31,470.00L | ₹31,53,109.00L | ₹0.00L |
Cash Flow
| Metric | 31/03/2026 | 31/03/2025 | 31/03/2024 | 31/03/2023 |
|---|---|---|---|---|
| Net Income | ₹2,16,671.00L | ₹1,91,641.00L | ₹2,40,788.00L | ₹2,25,847.00L |
| Free Cash Flow | ₹45,939.00L | -₹2,19,622.00L | -₹5,72,787.00L | -₹6,76,391.00L |
| Changes In Cash | -₹43,386.00L | ₹5,548.00L | ₹1,49,227.00L | ₹23,163.00L |
| End Cash Position | ₹2,10,367.00L | ₹2,53,753.00L | ₹2,48,205.00L | ₹98,979.00L |
| Financing Cash Flow | -₹1,17,236.00L | ₹4,68,651.00L | ₹8,40,058.00L | ₹7,82,358.00L |
| Investing Cash Flow | ₹24,547.00L | -₹2,49,057.00L | -₹1,25,493.00L | -₹92,144.00L |
| Operating Cash Flow | ₹49,303.00L | -₹2,14,046.00L | -₹5,65,338.00L | -₹6,67,051.00L |
| Capital Expenditure | -₹3,364.00L | -₹5,576.00L | -₹7,449.00L | -₹9,340.00L |
| Beginning Cash Position | ₹2,53,753.00L | ₹2,48,205.00L | ₹98,979.00L | ₹75,816.00L |
| Issuance Of Capital Stock | ₹325.00L | ₹584.00L | ₹7,448.00L | ₹4,413.00L |
Income Statement
| Metric | 31/03/2026 | 31/03/2025 | 31/03/2024 | 31/03/2023 |
|---|---|---|---|---|
| Ebit | ₹0.00L | ₹0.00L | ₹0.00L | ₹0.00L |
| Basic EPS | ₹0.00L | ₹0.00L | ₹0.00L | ₹0.00L |
| Net Income | ₹2,16,671.00L | ₹1,91,641.00L | ₹2,40,788.00L | ₹2,25,847.00L |
| Diluted EPS | ₹0.00L | ₹0.00L | ₹0.00L | ₹0.00L |
| Gross Profit | ₹0.00L | ₹0.00L | ₹0.00L | ₹0.00L |
| Pretax Income | ₹2,91,319.00L | ₹2,58,068.00L | ₹3,23,180.00L | ₹3,03,057.00L |
| Tax Provision | ₹74,648.00L | ₹66,427.00L | ₹82,392.00L | ₹77,210.00L |
| Total Revenue | ₹15,62,693.00L | ₹14,26,785.00L | ₹12,75,120.00L | ₹10,67,763.00L |
| Cost Of Revenue | ₹0.00L | ₹0.00L | ₹0.00L | ₹0.00L |
| Interest Income | ₹9,90,123.00L | ₹9,34,731.00L | ₹7,94,439.00L | ₹6,15,624.00L |
| Interest Expense | ₹3,07,158.00L | ₹3,17,840.00L | ₹2,58,932.00L | ₹1,64,386.00L |
| Tax Rate For Calcs | ₹0.00L | ₹0.00L | ₹0.00L | ₹0.00L |
| Income Tax Expense | ₹0.00L | ₹0.00L | ₹0.00L | ₹0.00L |
| Normalized Income | ₹2,16,665.05L | ₹1,91,512.53L | ₹2,40,790.24L | ₹2,25,834.33L |
| Operating Expense | ₹8,43,827.00L | ₹7,37,264.00L | ₹6,72,401.00L | ₹6,07,684.00L |
| Operating Revenue | ₹15,62,693.00L | ₹14,26,785.00L | ₹12,75,120.00L | ₹10,67,763.00L |
| Net Interest Income | ₹6,82,965.00L | ₹6,16,891.00L | ₹5,35,507.00L | ₹4,51,238.00L |
| Total Unusual Items | ₹8.00L | ₹173.00L | -₹3.00L | ₹17.00L |
| Basic Average Shares | ₹9,515.00L | ₹9,512.00L | ₹9,482.00L | ₹9,443.00L |
| Diluted Average Shares | ₹9,516.00L | ₹9,518.00L | ₹9,492.00L | ₹9,490.00L |
| Other Operating Expenses | ₹3,98,928.00L | ₹3,34,707.00L | ₹2,93,852.00L | ₹2,59,216.00L |
| Reconciled Depreciation | ₹13,625.00L | ₹14,682.00L | ₹19,675.00L | ₹16,381.00L |
| Total Operating Expenses | ₹0.00L | ₹0.00L | ₹0.00L | ₹0.00L |
| Tax Effect Of Unusual Items | ₹2.05L | ₹44.53L | -₹0.76L | ₹4.33L |
| Selling And Marketing Expense | ₹2,94,270.00L | ₹2,70,055.00L | ₹2,51,737.00L | ₹2,31,905.00L |
| Net Income Common Stockholders | ₹2,16,671.00L | ₹1,91,641.00L | ₹2,40,788.00L | ₹2,25,847.00L |
| Net Income Continuous Operations | ₹2,16,671.00L | ₹1,91,641.00L | ₹2,40,788.00L | ₹2,25,847.00L |
| Diluted NIAvailto Com Stockholders | ₹2,16,671.00L | ₹1,91,641.00L | ₹2,40,788.00L | ₹2,25,847.00L |
| General And Administrative Expense | ₹27,764.00L | ₹23,810.00L | ₹23,801.00L | ₹22,190.00L |
| Selling General And Administration | ₹3,22,034.00L | ₹2,93,865.00L | ₹2,75,538.00L | ₹2,54,095.00L |
| Total Unusual Items Excluding Goodwill | ₹8.00L | ₹173.00L | -₹3.00L | ₹17.00L |
| Net Income Including Noncontrolling Interests | ₹2,16,671.00L | ₹1,91,641.00L | ₹2,40,788.00L | ₹2,25,847.00L |
| Net Income From Continuing And Discontinued Operation | ₹2,16,671.00L | ₹1,91,641.00L | ₹2,40,788.00L | ₹2,25,847.00L |
| Net Income From Continuing Operation Net Minority Interest | ₹2,16,671.00L | ₹1,91,641.00L | ₹2,40,788.00L | ₹2,25,847.00L |
Company Performance (FY23–FY26)
₹15.6 K Cr₹11.7 K Cr₹7.8 K Cr₹3.9 K Cr₹0
FY23FY24FY25FY26
Directors
| Appointment | Director name | DIN | Designation | |
|---|---|---|---|---|
| 15/02/2012 | Payal Mittal Chhabra | *****3512H | Company Secretary | |
| 04/12/2020 | Shriniwas Yeshwant Joshi | 05189697 | Director | View other directorships |
| 21/10/2022 | Rashmi Mohanty | *****4475P | CFO | |
| 25/01/2024 | Ashwini Kumar Tewari | 08797991 | Nominee Director | View other directorships |
| 22/11/2024 | Challa Sreenivasulu Setty | 08335249 | Nominee Director | View other directorships |
| 01/04/2025 | Salila Pande | 10941529 | Nominee Director | View other directorships |
| 01/04/2025 | Salila Pande | *****1879M | CEO | |
| 13/08/2025 | Rajnikant Patel | 00003135 | Director | View other directorships |
| 13/11/2025 | Anuradha Rao | 07597195 | Additional Director | View other directorships |
| 09/12/2025 | Parvathy Vairava Sundaram | 07005574 | Additional Director | View other directorships |
Business Network
CompanyDirectorNot on WeeDooBoard seatKey rolePast seatOwnership
Directors 10
- Salila PandeManaging Director
- Rajnikant PatelDirector
- Shriniwas Yeshwant JoshiDirector
- Challa Sreenivasulu SettyNominee Director
- Ashwini Kumar TewariNominee Director
- Parvathy Vairava SundaramAdditional Director
- Anuradha RaoAdditional Director
- Salila PandeCEO
- Rashmi MohantyCFO
- Payal Mittal ChhabraCompany Secretary
Latest Documents
Category:
| Date | Title | Size |
|---|---|---|
| 17/09/2024 | Form MGT-7-17092024_signed | - |
| 11/09/2024 | Form AOC-4 NBFC(IND AS) additional attachment-05092024 | - |
| 11/09/2024 | Form AOC-4 NBFC(IND AS)-05092024 | - |
| 27/03/2024 | Form Addendum to AOC-4 CSR-27032024 | - |
Charges
| SRN | Date | Amount | Holder |
|---|---|---|---|
| R89805964 | 26/03/2020 | ₹2,00,00,000.00 | Rbl Bank Limited |
| T31963390 | 26/02/2020 | ₹1,00,54,77,321.00 | Rbl Bank Limited |
| B61473195 | 24/01/2011 | ₹1,50,00,00,000.00 | State Bank Of Mysore |
| B64537392 | 31/12/2008 | ₹3,50,00,00,000.00 | State Bank Of Bikaner & Jaipur |
| B86484912 | 27/11/2008 | ₹2,00,00,00,000.00 | State Bank Of Indore |
| A56883259 | 31/10/2007 | ₹1,75,00,00,000.00 | State Bank Of Indore |
| A78674249 | 26/03/2007 | ₹2,00,00,00,000.00 | Idbi Ltd. |
| B62052048 | 01/10/2006 | ₹3,00,00,00,000.00 | State Bank Of Travancore |
| A57027906 | 01/09/2006 | ₹2,50,00,00,000.00 | State Bank Of Bikaner & Jaipur |
| B86483542 | 01/09/2006 | ₹1,75,00,00,000.00 | State Bank Of Indore |
| A58147190 | 01/05/2006 | ₹25,00,00,000.00 | Sate Bank Of Saurashtra |
| A57339657 | 15/03/2005 | ₹50,00,00,000.00 | State Bank Of Mysore |
| B62298641 | 05/09/2003 | ₹25,00,00,000.00 | State Bank Of Patiala |
| B61470795 | 31/05/2003 | ₹50,00,00,000.00 | State Bank Of Hyderabad |
| AB9024150 | 09/12/2002 | ₹4,50,00,00,00,000.00 | State Bank Of India |
| A58144544 | 13/09/2002 | ₹50,00,00,000.00 | State Bank Of Saurashtra |
| A57338055 | 14/12/2001 | ₹2,00,00,00,000.00 | State Bank Of Mysore |
| A78602109 | 29/03/2001 | ₹1,00,00,00,000.00 | State Bank Of Travancore |
| A78673449 | 07/07/2000 | ₹75,00,00,000.00 | State Bank Of India |
| A78672755 | 07/01/2000 | ₹15,00,00,000.00 | State Bank Of India |
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Address
Unit 401 & 402,4th Floor,aggarwal Millennium Tower E 1,2,3, Netaji Subhash Place, Wazirpur, North West, New Delhi, Delhi, India, 110034
Frequently Asked Questions
What is the incorporation date of Sbi Cards And Payment Services Limited?
The incorporation date of Sbi Cards And Payment Services Limited is 14/05/1998.
What is the authorized share capital and paid-up capital of Sbi Cards And Payment Services Limited?
The authorized share capital of Sbi Cards And Payment Services Limited is ₹15,00,00,00,000.00. The paid-up capital is ₹9,51,54,75,040.00.
Who are the current board members & directors of Sbi Cards And Payment Services Limited?
The current board member of Sbi Cards And Payment Services Limited are:
- Shriniwas Yeshwant Joshi
- Rashmi Mohanty
- Payal Mittal Chhabra
- Anuradha Rao
- Parvathy Vairava Sundaram
- Rajnikant Patel
- Salila Pande
- Salila Pande
- Salila Pande
- Challa Sreenivasulu Setty
- Ashwini Kumar Tewari
What is the registered address of Sbi Cards And Payment Services Limited?
The registered address of Sbi Cards And Payment Services Limited is Unit 401 & 402,4th Floor,aggarwal Millennium Tower E 1,2,3, Netaji Subhash Place, Wazirpur, North West, New Delhi, Delhi, India, 110034.
What is the Corporate Identification Number of Sbi Cards And Payment Services Limited?
The Corporate Identification Number of Sbi Cards And Payment Services Limited is L65999DL1998PLC093849.