State Bank of India reported a standalone net profit of ₹23,038 crore for July to September, up 14.3% from ₹20,160 crore a year earlier. A one‑time gain of ₹7,288 crore added to the quarter’s earnings.

Net interest income rose 15% to ₹49,143 crore. The domestic net interest margin was 3.11%.

Gross bad loans fell to 1.39% of advances from 1.47% in the June quarter, and net bad loans to 0.36% from 0.38%.