SBI Cards and Payment Services Limited (SBICARD) — Defensive Interval Ratio
SBI Cards and Payment Services Limited (SBICARD) has a Defensive Interval Ratio of 73 days as of September 2025. Defensive assets of Rs3.65 Billion (cash Rs-, short-term investments Rs-, receivables Rs3.65 Billion) cover 73 days of daily cash needs of Rs50.02 Million/day. See SBICARD net working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
SBI Cards and Payment Services Limited Defensive Interval Ratio (2016–2025)
This chart shows how SBI Cards and Payment Services Limited's Defensive Interval Ratio has evolved across 10 annual periods from 2016 to 2025. As of September 2025, the ratio stands at 73 days, meaning defensive assets of Rs3.65 Billion can fund 73 days of operations without new revenue. See SBICARD equity to assets ratio to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for SBI Cards and Payment Services Limited (2016–2025)
The table below presents the year-by-year Defensive Interval Ratio for SBI Cards and Payment Services Limited from 2016 to 2025, covering 10 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see SBI Cards and Payment Services Limited (SBICARD) total market value.
| Year | DIR (days) | Defensive Assets (INR) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 54 days | Rs2.35 Billion | Rs43.64 Million/day | Rs- | Rs- | ▼ -190 days |
| 2024 | 244 days | Rs10.06 Billion | Rs41.31 Million/day | Rs- | Rs3.36 Billion | ▲ +165 days |
| 2023 | 79 days | Rs3.02 Billion | Rs38.23 Million/day | Rs- | Rs-3.65 Billion | ▼ -68 days |
| 2022 | 147 days | Rs4.49 Billion | Rs30.60 Million/day | Rs- | Rs-268.30 Million | ▲ +96 days |
| 2021 | 51 days | Rs1.05 Billion | Rs20.52 Million/day | Rs- | Rs-290.40 Million | ▼ -50 days |
| 2020 | 101 days | Rs1.99 Billion | Rs19.75 Million/day | Rs- | Rs-349.32 Million | ▼ -50 days |
| 2019 | 150 days | Rs2.72 Billion | Rs18.12 Million/day | Rs- | Rs-230.11 Million | ▼ -85 days |
| 2018 | 236 days | Rs3.35 Billion | Rs14.20 Million/day | Rs- | Rs1.80 Billion | ▼ -171 days |
| 2017 | 407 days | Rs1.32 Billion | Rs3.26 Million/day | Rs- | Rs- | ▼ -10218 days |
| 2016 | 10625 days | Rs69.16 Billion | Rs6.51 Million/day | Rs- | Rs- | — |