SBI Cards and Payment Services Limited (SBICARD) — Net Asset Quality Index
SBI Cards and Payment Services Limited (SBICARD) has a Net Asset Quality Index of 22.8% as of December 2025. This metric measures the proportion of total assets financed by shareholders' equity — total assets of Rs673.65 Billion minus total liabilities of Rs520.12 Billion yields net assets of Rs153.53 Billion. A higher index indicates a stronger, lower-leverage balance sheet. Check SBICARD financial resilience to evaluate the company's liquid asset resilience ratio.
Quality Index
Net Assets
Total Assets
Total Liabilities
SBI Cards and Payment Services Limited Net Asset Quality Index Over Time (2013–2025)
This chart shows how SBI Cards and Payment Services Limited's Net Asset Quality Index has evolved across 13 annual periods from 2013 to 2025. As of December 2025, the index stands at 22.8%, representing net assets of Rs153.53 Billion against total assets of Rs673.65 Billion INR. See SBICARD net working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Annual Net Asset Quality Index for SBI Cards and Payment Services Limited (2013–2025)
The table below presents the year-by-year Net Asset Quality Index for SBI Cards and Payment Services Limited from 2013 to 2025, covering 13 annual filings. Each row shows total assets, total liabilities, net assets, the quality index percentage, and the change in percentage points compared to the prior year. For market capitalisation and the full company profile, see SBICARD company net worth.
| Year | Quality Index | Net Assets (INR) | Total Assets | Total Liabilities | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 21.0% | Rs137.82 Billion | Rs655.46 Billion | Rs517.64 Billion | ▲ +0.3 pp |
| 2024 | 20.8% | Rs120.84 Billion | Rs581.71 Billion | Rs460.87 Billion | ▼ -0.8 pp |
| 2023 | 21.6% | Rs98.30 Billion | Rs455.46 Billion | Rs357.15 Billion | ▼ -0.8 pp |
| 2022 | 22.4% | Rs77.53 Billion | Rs346.48 Billion | Rs268.96 Billion | ▼ -1.0 pp |
| 2021 | 23.3% | Rs63.02 Billion | Rs270.13 Billion | Rs207.11 Billion | ▲ +2.2 pp |
| 2020 | 21.1% | Rs53.41 Billion | Rs253.03 Billion | Rs199.62 Billion | ▲ +3.4 pp |
| 2019 | 17.7% | Rs35.82 Billion | Rs202.40 Billion | Rs166.58 Billion | ▲ +2.7 pp |
| 2018 | 15.0% | Rs23.53 Billion | Rs156.86 Billion | Rs133.33 Billion | ▲ +1.5 pp |
| 2017 | 13.5% | Rs14.49 Billion | Rs107.65 Billion | Rs93.16 Billion | ▼ -1.2 pp |
| 2016 | 14.7% | Rs11.55 Billion | Rs78.80 Billion | Rs67.25 Billion | ▼ -0.8 pp |
| 2015 | 15.4% | Rs9.66 Billion | Rs62.57 Billion | Rs52.92 Billion | ▼ -0.3 pp |
| 2014 | 15.8% | Rs7.46 Billion | Rs47.35 Billion | Rs39.89 Billion | ▲ +2.8 pp |
| 2013 | 13.0% | Rs4.53 Billion | Rs34.93 Billion | Rs30.40 Billion | — |