SBI logs record profit over 80000 crore as NIM bottoms out and loan growth guidance jumps

NIM is seen stabilising near 3%—what changes

State Bank of India reported a record profit above ₹80,000 crore, even as investors worried about net interest income and margin pressure. Chairman CS Setty said net interest margins have likely bottomed out and should stabilize around 3%. SBI also pointed to strong deposit growth and expects 13–15% loan growth across segments in FY27, while watching global risks closely.