This research provides a comprehensive analysis of the financial performance of the State Bank of India over a five-year period from FY2020–21 to FY2024–25. The research is based on secondary data collected from annual reports, RBI publications, and official financial statements. Ratio analysis has been used as the primary tool to evaluate profitability, liquidity, solvency, and credit management. Key ratios such as Net Profit Ratio, Return on Assets, Return on Equity, Debt–Equity Ratio, and Credit–Deposit Ratio were examined. The results indicate a steady improvement in profitability and efficient utilization of assets and equity capital. The bank also strengthened its capital base and improved its asset quality during the study period. Overall, the study concludes that SBI demonstrates strong financial stability and sustainable growth potential in the Indian banking sector.
K et al. (Sun,) studied this question.