Rates & Liquidity
§7 — the margin engine: what banks earn on assets, what they pay for funds, and the resulting NIM.
The policy-rate and liquidity layer cannot be built. Tijori exposes no repo rate, MCLR, EBLR, savings/term deposit rates, G-sec yields or RBI liquidity operations. Rate-cycle charts, the rate-sensitivity matrix (§7) and any lead/lag from policy to profitability are therefore not shown rather than approximated. What is available is each bank's own asset yield, funding cost and NIM.
NIM
3.6%
median, listed lenders
Yield on advances
10.9%
median, listed lenders
Cost of borrowing
5.0%
median, listed lenders
CASA
32.7%
median, listed lenders
Credit/deposit
84.3%
median, listed lenders
ROA
1.1%
median, listed lenders
Median NIM across listed lenders
Median across the 41 listed lenders, FY17–FY26
NIM vs cost of borrowing
Margin against funding cost
display
| # | Bank | Category | |||||||
|---|---|---|---|---|---|---|---|---|---|
| 1 | Ujjivan Small Fin | SFB | 8.5% | 21 | — | 6.9% | 28.6% | 87.2% | 7.4% |
| 2 | ESAF Small Finance | SFB | 7.9% | 44 | 17.2% | 7.1% | 23.4% | 86.2% | 5.9% |
| 3 | Jana Small Fin. Bank | SFB | 7.5% | 43 | 16.4% | 7.4% | 19.0% | — | 6.0% |
| 4 | Equitas Small Fin. | SFB | 7.2% | 15 | 15.7% | 7.0% | 25.0% | 91.3% | 6.0% |
| 5 | Suryoday Small Fin. | SFB | 7.2% | 7 | 16.2% | 7.5% | 21.0% | 91.3% | — |
| 6 | Bandhan Bank | Mid/Small Private | 6.2% | 6 | — | 6.4% | 29.4% | 92.0% | 5.4% |
| 7 | IDFC First Bank | Mid/Small Private | 6.0% | 68 | — | 6.0% | 50.8% | 97.9% | 5.7% |
| 8 | AU Small Fin. Bank | SFB | 5.9% | 43 | 13.7% | 6.5% | 29.0% | 80.0% | 5.2% |
| 9 | Kotak Mahindra Bank | Large Private | 4.5% | 33 | — | 4.5% | 40.3% | 89.4% | 4.3% |
| 10 | ICICI Bank | Large Private | 4.4% | 87 | — | 4.5% | 38.1% | 89.0% | 3.8% |
| 11 | Tamilnad Mercantile | Mid/Small Private | 4.3% | 68 | 10.1% | 5.7% | 26.2% | 89.0% | 3.6% |
| 12 | Karur Vysya Bank | Mid/Small Private | 4.3% | 93 | — | 5.5% | 27.6% | 85.4% | 3.9% |
| 13 | Capital Small Fin. | SFB | 4.2% | 88 | 10.9% | 5.6% | 36.7% | 83.0% | 4.2% |
| 14 | RBL Bank | Mid/Small Private | 4.1% | 28 | — | 6.0% | 29.2% | 93.1% | 3.9% |
| 15 | Bank of Maharashtra | PSU | 3.8% | 75 | — | 4.0% | 49.0% | 88.8% | 3.4% |
| 16 | City Union Bank | Mid/Small Private | 3.8% | 48 | — | 4.8% | 26.6% | 84.3% | 3.2% |
| 17 | Fino Payments Bank | Payments Bank | 3.8% | — | — | — | 100.0% | 0.0% | — |
| 18 | CSB Bank | Mid/Small Private | 3.7% | 20 | 10.7% | 6.5% | 19.4% | 90.0% | 3.3% |
| 19 | IDBI Bank | ex-PSU | 3.6% | 71 | 8.5% | 4.7% | 43.6% | 79.5% | 3.1% |
| 20 | Dhanlaxmi Bank | Mid/Small Private | 3.6% | 85 | — | 5.6% | 28.8% | 81.3% | 3.2% |
| 21 | Indusind Bank | Large Private | 3.6% | 32 | — | 5.0% | 29.4% | 78.7% | 3.3% |
| 22 | Indian Overseas Bank | PSU | 3.5% | 97 | — | 4.8% | 41.0% | 85.6% | 2.9% |
| 23 | Axis Bank | Large Private | 3.5% | 9 | — | 5.0% | 38.0% | 92.7% | 3.2% |
| 24 | Indian Bank | PSU | 3.4% | 70 | — | 4.8% | 39.7% | 81.1% | 2.9% |
| 25 | DCB Bank | Mid/Small Private | 3.4% | 27 | — | 6.8% | 21.6% | 80.5% | 3.0% |
| 26 | Federal Bank | Mid/Small Private | 3.3% | 70 | — | 5.3% | 32.2% | 86.7% | 3.1% |
| 27 | J&K Bank | Mid/Small Private | 3.3% | 9 | — | 4.7% | 42.1% | 73.9% | 3.3% |
| 28 | HDFC Bank | Large Private | 3.3% | 0 | 7.7% | 4.4% | 32.3% | 96.5% | 3.5% |
| 29 | South Indian Bank | Mid/Small Private | 3.2% | 86 | — | 4.5% | 33.0% | 82.1% | 2.6% |
| 30 | Karnataka Bank | Mid/Small Private | 3.2% | 76 | — | 5.2% | 32.4% | 78.5% | 2.5% |
| 31 | CentralBank of India | PSU | 3.1% | 65 | — | 4.7% | 46.6% | 72.4% | 2.8% |
| 32 | UCO Bank | PSU | 3.0% | 81 | — | 4.4% | 36.9% | 82.1% | 2.8% |
| 33 | State Bank Of India | PSU | 2.9% | 9 | — | 4.8% | 39.2% | 83.1% | 2.6% |
| 34 | Union Bank Of India | PSU | 2.8% | 56 | — | 4.4% | 35.1% | 83.4% | 2.4% |
| 35 | Bank Of Baroda | PSU | 2.8% | 22 | — | 4.7% | 37.7% | 86.8% | 2.6% |
| 36 | Yes Bank | Mid/Small Private | 2.7% | 31 | — | 5.7% | 32.7% | 90.4% | 2.2% |
| 37 | Punjab & Sind Bank | PSU | 2.5% | 50 | 8.2% | 5.5% | 30.1% | 81.1% | 2.2% |
| 38 | Bank Of India | PSU | 2.5% | 41 | — | 4.5% | 36.7% | 83.3% | 2.3% |
| 39 | Canara Bank | PSU | 2.5% | 41 | — | 4.9% | 29.7% | 80.3% | 2.1% |
| 40 | PNB | PSU | 2.5% | 16 | — | 4.4% | 36.7% | 73.8% | 2.2% |
| 41 | Utkarsh Small Fin. | SFB | — | — | — | — | — | — | 5.2% |
Yield on advances is available for only 11 of 41 banks, so an explicit asset-yield − cost-of-funds spread bridge can be computed for those banks only. NIM percentile is vs each bank's own history back to 2008.