State Bank of India Defensive Interval Ratio

Latest as of March 2025: 20 days

State Bank of India defensive interval ratio. State Bank of India (SBIN) has a Defensive Interval Ratio of 20 days as of March 2025. Defensive assets of Rs2.99 Trillion (cash Rs-, short-term investments Rs-, receivables Rs2.99 Trillion) cover 20 days of daily cash needs of Rs149.04 Billion/day. See State Bank of India (SBIN) working capital ratio to evaluate short-term liquidity relative to the company's equity base.

Defensive Interval Ratio

20 days
Days of operational coverage

Defensive Assets

Rs2.99 Trillion
Cash + ST Investments + Receivables

Daily Cash Need

Rs149.04 Billion
Current Liabilities ÷ 365

Current Liabilities

Rs54.40 Trillion
INR

Defensive Interval Ratio of State Bank of India (2012–2025)

Defensive interval ratio of State Bank of India from 2012 to 2025. This chart shows how State Bank of India's Defensive Interval Ratio has evolved across 14 annual periods from 2012 to 2025. As of March 2025, the ratio stands at 20 days, meaning defensive assets of Rs2.99 Trillion can fund 20 days of operations without new revenue. Check SBIN cash and liquid asset ratio to evaluate the company's liquid asset resilience ratio.

State Bank of India Defensive Interval Ratio by Year (2012–2025)

State Bank of India defensive interval ratio by year from 2012 to 2025. The table below presents the year-by-year Defensive Interval Ratio for State Bank of India from 2012 to 2025, covering 14 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 the complete balance sheet picture, see State Bank of India total assets.

Year DIR (days) Defensive Assets (INR) Daily Cash Need Cash ST Investments Change (days)
2025 20 days Rs2.99 Trillion Rs149.04 Billion/day Rs- Rs- ▲ +35 days
2024 -15 days Rs-2.07 Trillion Rs136.97 Billion/day Rs- Rs-4.78 Trillion ▼ -15 days
2023 0 days Rs7.54 Billion Rs123.18 Billion/day Rs- Rs-2.26 Trillion ▲ +26 days
2022 -25 days Rs-2.87 Trillion Rs112.48 Billion/day Rs- Rs-4.92 Trillion ▼ -2 days
2021 -24 days Rs-2.45 Trillion Rs102.21 Billion/day Rs- Rs-3.74 Trillion ▼ -2 days
2020 -22 days Rs-1.95 Trillion Rs90.13 Billion/day Rs- Rs-3.10 Trillion ▲ +1 days
2019 -23 days Rs-1.86 Trillion Rs80.95 Billion/day Rs- Rs-2.96 Trillion ▼ -36 days
2018 13 days Rs967.70 Billion Rs75.02 Billion/day Rs- Rs- ▼ -2 days
2017 15 days Rs1.05 Trillion Rs71.66 Billion/day Rs- Rs- ▼ -6 days
2016 20 days Rs1.27 Trillion Rs62.57 Billion/day Rs- Rs- ▼ -2 days
2015 23 days Rs1.30 Trillion Rs56.95 Billion/day Rs- Rs- ▲ +1 days
2014 22 days Rs1.10 Trillion Rs50.94 Billion/day Rs- Rs- ▼ -5 days
2013 26 days Rs1.19 Trillion Rs45.07 Billion/day Rs- Rs- ▼ -1 days
2012 27 days Rs1.06 Trillion Rs39.17 Billion/day Rs- Rs- —
DIR = (Cash + Short-term Investments + Net Receivables) / (Daily Cash Expenses)