Central Bank of India Business Model Canvas
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Partnerships
Regulators and Government Bodies
Partnerships with RBI, Ministry of Finance and other regulators ensure compliance, access to liquidity windows and policy alignment; RBI's repo rate stood at 6.50% in June 2024, shaping lending costs. These ties enable Central Bank of India to participate in government schemes and meet 40% priority-sector lending norms. Coordination supports stable interest rate transmission and financial inclusion, strengthening credibility and public trust.
Payment Networks and Switches
Alliances with NPCI, UPI, RuPay, Visa and Mastercard enable seamless payments and omnichannel acceptance, leveraging RuPay’s >1 billion cards and UPI’s >100 billion transactions in FY2023-24 to expand card issuance and digital volumes. Co-development on switches enhances security, scalability and UX, while participation in networks drives material fee income and increases customer stickiness.
Fintechs and Technology Providers
Collaborations with fintechs, core-banking vendors, cloud and cybersecurity firms accelerate digital innovation for Central Bank of India, cutting time-to-market for new products by 30–50% and lowering operating costs by around 20–25% (industry benchmarks, 2024).
Correspondent Banking and BC Agents
Tie-ups with correspondent banks and a large BC agent network extend Central Bank of India's reach into underserved areas, facilitating remittances, cash-in/cash-out and limited cross-border services to support financial inclusion and deposit growth; by FY2023-24 the bank leveraged its BCs and correspondents to scale last-mile delivery at lower unit cost.
- BC reach: expanded branchless outlets to deepen rural deposits
- Services: remittances, CICO, cross-border payouts
- Benefit: lower last-mile cost, higher CASA and deposit mobilization
Insurers and Capital Market Intermediaries
Insurers, mutual funds and broking partners enable Central Bank of India to distribute third-party insurance, investment and pension solutions under one roof, improving customer stickiness; Indian mutual fund AUM crossed ₹50 trillion in 2024, enlarging product inventory for bancassurance tie-ups.
- Third-party distribution via bancassurance
- One-stop insurance, investment, pension
- Shared revenue boosts non-interest income
- Joint training and co-marketing raise sales productivity
Partnerships boost liquidity, compliance & digital reach — RBI 6.50%
Key partnerships (RBI, MoF, NPCI, fintechs, BCs, insurers) secure liquidity, compliance, digital reach and fee income; RBI repo 6.50% (Jun 2024), UPI >100bn txns FY2023-24, RuPay >1bn cards, mutual fund AUM ₹50tn (2024); BCs raised rural CASA and cut last-mile cost.
| Partner | Metric | 2024 |
|---|---|---|
| RBI | Repo | 6.50% |
| NPCI | UPI txns | >100bn |
| RuPay | Cards | >1bn |
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A comprehensive Business Model Canvas for Central Bank of India detailing customer segments, channels, value propositions, key activities and partners, revenue/cost structure and risk profile, with SWOT-linked insights to support strategic decisions and investor presentations.
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Activities
Deposit Mobilization and CASA Growth
Designing attractive savings, current and term deposit schemes drives Central Bank of India’s deposit mix, targeting CASA-led cost efficiency; PSBs’ average CASA was ~39% in FY2024 (RBI). Marketing, rural branch outreach and digital onboarding push low-cost CASA balances. Active liquidity management aligns deposit tenor with lending needs, while continuous rate benchmarking sustains competitiveness.
Credit Underwriting and Portfolio Management
End-to-end lending across retail, MSME, corporate and agri is central to Central Bank of India’s credit model, with robust underwriting, ongoing monitoring and collections to control NPA risk. Sectoral exposure limits and RBI-style stress testing guide portfolio actions; system GNPA was about 5.3% in Mar 2024. Active recovery and targeted restructuring optimize portfolio health and improve coverage over time.
Digital Banking Operations
Operating internet, mobile, UPI, and card platforms provides Central Bank of India 24x7 services, leveraging India's UPI network which processed about 86.5 billion transactions in FY 2023‑24 (NPCI). Continuous enhancements target improved UX, security, and uptime with industry SLAs above 99.9%. Data analytics personalize offers and detect fraud in real time, while API integrations enable partnerships across fintech ecosystems.
Treasury and ALM
Treasury manages SLR investments to meet the RBI 18% requirement, steers liquidity and mitigates interest-rate risk amid a 2024 repo rate of 6.50%, while ALM balances asset-liability tenors to protect margins. Trading and hedging optimize returns within board-set risk limits and approved VaR/exposure caps. Regulatory reporting delivers timely disclosures to RBI and stakeholders.
- SLR requirement: 18%
- Repo rate (2024): 6.50%
- ALM: tenor & margin optimization
- Trading/hedging: returns within VaR/exposure limits
- Regulatory reporting: RBI disclosures
Compliance and Financial Inclusion
Strict KYC/AML, regular audits and RBI compliance reviews safeguard Central Bank of India operations; risk and control frameworks and stress-testing maintain resilience across retail and MSME portfolios in FY 2023-24.
- Regulatory adherence: RBI compliance reviews FY 2023-24
- Inclusion: active participation in PMJDY and DBT disbursals FY 2023-24
- Customer trust: education programs and grievance redressal mechanisms
- Controls: audit, KYC/AML and risk frameworks
CASA ~39%, digital onboarding, ALM vs 6.50% repo
Designing CASA-led deposit products (PSB CASA ~39% FY2024) and digital onboarding drive low-cost funding; treasury manages SLR 18% and ALM against a 6.50% repo (2024). End-to-end lending across retail, MSME, corporate and agri with underwriting, monitoring and recovery keeps GNPA ~5.3% (Mar 2024). Digital platforms (UPI ~86.5bn txns FY2023-24) plus KYC/AML, audits and RBI compliance sustain operations.
| Metric | Value |
|---|---|
| CASA (PSB avg) | ~39% FY2024 |
| GNPA | ~5.3% Mar 2024 |
| UPI volumes | 86.5 bn FY2023-24 |
| SLR | 18% |
| Repo rate | 6.50% 2024 |
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Resources
Branch and ATM Network
An extensive nationwide footprint with over 4,000 branches and 3,500+ ATMs/CDMs as of 2024 enables Central Bank of India to serve urban and rural markets, supporting trust, in-person onboarding and cash services. ATMs and cash deposit machines reduce teller load and increase convenience, while geospatial location and transaction data drive optimization of branch/ATM coverage and resource allocation.
Core Banking and Digital Platforms
Central Bank of India relies on a robust CBS plus mobile, internet, UPI and card rails to process retail flows—UPI handled over 40 billion transactions in 2024, underpinning daily volumes. Security, scalability and 99.9%+ uptime SLAs are core performance assets. Modular APIs and middleware accelerate product rollout while enterprise data warehouses power analytics, risk reporting and regulatory compliance.
Human Capital and Expertise
Experienced bankers, risk managers and IT teams—backed by Central Bank of India’s century-long legacy since 1911—drive execution across 3,000+ staff; training programs average 40+ hours annually to sustain service quality. Dedicated relationship managers deepen client engagement, while specialized treasury, compliance and recovery teams manage liquidity, regulatory adherence and asset resolution.
Brand Trust and Public Sector Legacy
Public sector backing gives Central Bank of India heightened credibility and perceived safety, rooted in its founding in 1911 and nationalisation in 1969; these facts underpin trust, support government-linked policy delivery and reduce customer acquisition costs through reputation and scale.
- Public sector status: nationalised 1969
- Founded: 1911 (over a century)
- Enables policy delivery: government linkages
- Reputation lowers acquisition costs
Capital Base and Deposit Franchise
Central Bank of India leverages a strong deposit base (total deposits ~INR 2.3 lakh crore as of Mar 2024) to fund lending at competitive costs, with CASA at 41.2% supporting lower funding expense. Capital buffers and a CRAR of 15.02% as of Mar 2024 enable measured growth while meeting regulatory ratios. Diversified liabilities across term deposits, bulk deposits and borrowings mitigate funding concentration risk and sustain stable NIMs.
- Total deposits ~INR 2.3 lakh crore (Mar 2024)
- CASA 41.2% (Mar 2024)
- CRAR 15.02% (Mar 2024)
- Diversified liability mix reduces funding risk
4,000+ branches, deposits INR 2.3L cr, CASA 41.2%
Key resources: 4,000+ branches, 3,500+ ATMs/CDMs; CBS + digital rails (UPI ~40bn txns 2024) with 99.9%+ uptime; deposits ~INR 2.3 lakh crore (Mar 2024), CASA 41.2%, CRAR 15.02%; public-sector status (nationalised 1969), century-old brand, 3,000+ staff with 40+ training hrs/yr.
| Resource | Metric (2024) |
|---|---|
| Branches/ATMs | 4,000+/3,500+ |
| Deposits | INR 2.3L crore |
| CASA | 41.2% |
| CRAR | 15.02% |
Value Propositions
Safety and Trust
Central Bank of India’s public-sector status with majority government ownership and RBI regulatory oversight signals security to depositors. Transparent pricing, statutory disclosures and corporate governance alignments reinforce confidence. DICGC deposit protection covers up to ₹5 lakh per depositor per bank, adding comfort. These factors materially reduce perceived counterparty risk for customers.
Nationwide Access
Central Bank of India combines a nationwide network of about 3,800 branches and 4,200 ATMs with roughly 31,000 business correspondent agents to deliver proximity and last-mile services; digital channels (internet, mobile banking, UPI) provide 24x7 convenience, enabling customers to bank anywhere, anytime and expanding outreach into rural pockets that account for nearly half of the bank’s retail deposit base.
Comprehensive Product Suite
Central Bank of India offers full-spectrum deposits, loans, cards and payments—leveraging India’s digital rails as UPI surpassed 10 billion monthly transactions in 2024—to serve retail and corporate needs. Focused MSME, agricultural and corporate solutions target the sector that contributes about 30% of GDP, adding depth and relevance. Integrated third-party investments and insurance broaden customer choice while one-stop convenience reduces time and channel friction.
Affordable and Inclusive Finance
Competitive pricing and transparent fee schedules reduce borrowing costs, while RBI-mandated 40% priority-sector lending and participation in schemes like PMEGP and PMMY extend credit to underserved segments.
Simplified documentation and flexible repayment plans, including tenor extensions and moratoria options, improve access and affordability for micro and small borrowers.
- 40% PSL target
- Participation in PMEGP, PMMY
- Transparent fees
- Flexible repayment
Reliable Digital Experience
Stable mobile and internet banking streamline daily transactions for Central Bank of India customers, while UPI and card rails enable fast, secure payments; UPI processed over 100 billion transactions in FY 2023–24, underscoring scale and speed. Alerts and self-service tools increase customer control, and continuous platform upgrades improve speed and features.
- Stable rails
- UPI >100B FY23–24
- Real-time alerts
- Ongoing upgrades
Public-sector: ₹5 lakh, 40% PSL, UPI >100bn reach
Public-sector ownership and RBI oversight with DICGC cover up to ₹5 lakh bolster depositor trust. Nationwide reach—~3,800 branches, ~4,200 ATMs, ~31,000 BCs—plus digital rails (UPI >100 billion FY23–24) deliver convenience and rural outreach (nearly half retail deposits). 40% PSL and MSME/agri focus widen credit access with competitive pricing and flexible terms.
| Metric | Value (2024) |
|---|---|
| Branches | ~3,800 |
| ATMs | ~4,200 |
| BC Agents | ~31,000 |
| UPI volume | >100 billion FY23–24 |
| DICGC cover | ₹5 lakh |
| PSL target | 40% |
Customer Relationships
Dedicated Relationship Management
Relationship managers serve high-value retail, MSME and corporate clients across Central Bank of India’s network of over 5,000 branches as of FY2023-24. They deliver advisory, onboarding and credit support, including structured financing and cash management. Proactive engagement drives higher cross-sell and retention, raising revenue per client. Clear service-level commitments and SLAs build trust and lower attrition.
Omnichannel Support and Contact Center
Phone, chat, email and in-app support resolve issues rapidly for Central Bank of India, with omnichannel routing ensuring queries follow customers across channels. Knowledge bases and FAQs support self-help adoption, aligning with 2024 industry trends where roughly 70% of users prefer self-service. IVR routing can cut wait times by about 30% in contact centers (2024 estimate). Consistent cross-touchpoint experience boosts satisfaction and retention.
Community Outreach and Literacy
Camps and workshops educate customers on products and safety, with banks running over 100,000 financial literacy camps reaching about 10 million people nationwide in 2023–24, boosting product adoption and safer usage. Financial literacy increases responsible account and credit use. Local events strengthen ties in rural districts, and feedback loops from camps inform product design and channel strategies.
Grievance Redressal and Compliance
Structured escalation paths ensure timely resolution; per RBI 2024 guidance banks must acknowledge complaints within 3 working days and aim resolution within 30 days, with escalation to the RBI Ombudsman after 30 days or unsatisfactory reply, building trust via transparent TATs and tracking while root-cause analysis reduces repeat issues.
- Escalation: clear SLAs & workflows
- RBI Ombudsman: fair external remedy after 30 days
- TATs: 3-day ack, 30-day resolution target
- RCA: lowers recurrence, improves controls
Personalized Offers and Lifecycle Engagement
Personalized, data-driven insights tailor loans, deposits and cards to customer segments and behavior, improving relevance and uptake. Milestone-based SMS/email journeys — onboarding, salary credit and anniversaries — boost engagement and retention. Pre-approved credit limits speed fulfillment and conversion, while loyalty programs reward tenure and cross-product holding; UPI crossed 100 billion transactions in 2023-24.
- Data-driven offers
- Milestone communications
- Pre-approved limits
- Loyalty rewards
5,000+ branches: RM omnichannel service, 70% self-service, 100k camps reach 10M
Relationship managers serve high-value retail, MSME and corporate clients across 5,000+ branches (FY2023-24), driving cross-sell and retention. Omnichannel support (phone/chat/email/app) plus self-help (70% prefer self-service) and IVR (-30% wait) improve resolution. Financial literacy camps (100,000 camps; ~10m people) boost adoption; RBI TATs: 3-day ack, 30-day resolution.
| Metric | Value (2023-24) |
|---|---|
| Branches | 5,000+ |
| UPI txns | 100bn |
| Financial camps | 100,000 (~10m reached) |
| RBI TATs | 3-day ack / 30-day resolve |
Channels
Branches and Relationship Desks
Central Bank of India’s network of over 4,000 branches and relationship desks handles customer onboarding, advisory and complex services while supporting cash transactions and documentation. Local staff at branches build trust and familiarity, aiding retention and SME outreach. Many urban branches offer extended hours to improve accessibility for salaried and retail clients.
ATMs and Cash Deposit Machines
Self-service ATMs and cash deposit machines cut queue times by enabling card and cash transactions without staff; 24x7 availability boosts customer convenience. Interoperable networks extend reach across 189,000 ATMs nationwide (RBI, March 2024), while real-time posting ensures immediate balance updates and reduces reconciliation delays.
Internet Banking Portal
Web access enables account management and payments, serving over 650 million internet banking users in India in 2024. Corporate modules support bulk transactions, payroll uploads and reconciliation for SMEs and corporates. Secure multi-factor authentication per RBI guidelines protects users. Regular UX updates in 2024 boosted adoption and cut support calls.
Mobile App and UPI
Smartphone banking delivers on-the-go services for Central Bank of India, enabling account access, payments and deposits from anywhere. UPI enables instant transfers and collections, with India recording about 86 billion UPI transactions in 2023. Push notifications strengthen control and security while lightweight flows speed onboarding and cut drop-offs.
- UPI: ~86B txns (2023)
- On-the-go access: increases digital engagement
- Push alerts: real-time control/security
- Lightweight onboarding: faster KYC, lower churn
Business Correspondents and Partners
Business correspondents expand reach into remote villages, with Central Bank of India leveraging over 8,000 BC outlets in 2024 to deliver deposits, withdrawals and pension pay-outs; DSAs and institutional partners sourced a significant share of retail loans and cards, boosting origination in semi-urban channels; merchant tie-ups widened POS acceptance across 45,000+ partner merchants, while co-branded campaigns increased product awareness.
- BC_outlets: 8,000+ (2024)
- Merchant_partners: 45,000+
- Channels: BCs, DSAs, merchant tie-ups, co-brands
Bank leverages 4,000+ branches and UPI to accelerate digital onboarding
Central Bank of India leverages 4,000+ branches and 8,000+ BC outlets (2024) for onboarding, cash services and SME outreach, with extended urban hours. 189,000 ATM network (RBI, Mar 2024) and 24x7 CDMs reduce queues; internet banking serves ~650M users (2024). Mobile + UPI (≈86B txns, 2023) drive instant payments, push alerts and lightweight KYC, boosting digital adoption and origination.
| Channel | Key metric | Year |
|---|---|---|
| Branches | 4,000+ | 2024 |
| BC outlets | 8,000+ | 2024 |
| ATMs (network) | 189,000 | Mar 2024 |
| Internet users | ~650M | 2024 |
| UPI txns | ~86B | 2023 |
Customer Segments
Retail Individuals
Retail individuals—salaried, self-employed, students and pensioners—rely on Central Bank of India for daily banking; savings accounts, debit/credit cards and personal loans cover primary use-cases. Digital-first users demand speed and convenience as UPI and mobile banking scale (India crossed ~100 billion digital transactions in FY2023-24). Mass-market customers prioritize trust and access via the bank’s network of over 4,000 branches.
MSMEs and Traders
Small businesses—over 60 million MSMEs in India contributing about 30% of GDP—need short-term working capital and efficient cash management to smooth seasonal sales cycles. Central Bank of India can offer collateral-backed and cash-flow loans to match varied risk profiles, supported by MSME credit flows of roughly ₹18 lakh crore in 2024. Integrated collections and POS solutions accelerate receivables and sales conversion, while targeted advisory drives formalization and scale-up.
Large Corporates and PSUs
Large corporates and PSUs require term finance, trade and treasury solutions to fund capex and manage FX and interest risks; Central Bank of India services these needs through customized limits, cash-pooling and concentration structures. Dedicated relationship teams ensure reliability and SLAs for high-value flows. Transaction banking supports scale and integration with ERP systems; the bank operates over 4,000 branches as of 2024 to back nationwide corporate coverage.
Agriculture and Rural Customers
Government, Institutions, and Beneficiaries
Government departments and institutions rely on Central Bank of India for secure salary and collection accounts, with high expectations for uptime and transaction integrity; DBT and pension disbursements require proven reliability and timely settlement. Bulk payments and automated reconciliation are critical to reduce manual intervention and errors, while extensive compliance and statutory reporting demand robust audit trails and SLA-driven processes.
- Salary & collection accounts
- DBT & pension disbursements
- Bulk payments & reconciliation
- High compliance & reporting
Banking playbook: Retail 100B txns, MSME ₹18L cr, Agri target ₹20L cr
Retail (100B digital txns FY2023-24; 4,000+ branches) for savings, cards, loans; MSMEs (~60M) need working capital—MSME credit ≈₹18 lakh crore (2024); Corporates/PSUs require term finance, trade/treasury and cash-pooling; Agriculture/Govt: seasonal credit (agri target ₹20 lakh crore 2024-25), DBT/pensions and high SLA collections.
| Segment | Key metric | Primary need |
|---|---|---|
| Retail | 100B txns; 4,000+ branches | Deposits, digital banking, consumer credit |
| MSME | ~60M; ₹18L cr credit | Working capital, POS, advisory |
| Corporate/PSU | Large flows | Trade, treasury, cash-pooling |
| Agri/Govt | ₹20L cr agri target | KCCs, subsidies, DBT/pensions |
Cost Structure
Interest and Deposit Costs
Savings, term deposit interest and short-term promotional rates drive Central Bank of India’s funding costs, with aggressive term-deposit pricing used selectively to capture liquidity. CASA optimization lowers the bank’s blended cost of funds by shifting mix toward low-cost savings and current accounts. Active rate management balances deposit growth and margin preservation, while regulatory liquidity buffers and holding high-quality liquid assets add measurable carry cost to the balance sheet.
Employee and Training Expenses
Salaries, benefits and skilling for Central Bank of India’s large staff base constitute a major recurring cost, driven by pay scales, pension liabilities and statutory benefits. Continuous training investments maintain compliance and upgrade digital banking skills across branches and back office units. Performance-linked incentives and retention programs increase short-term payroll overhead but aim to boost productivity and service quality. Recruitment, onboarding and attrition management add further administrative and training expenses.
Branch and Infrastructure Overheads
Rent, utilities, security and maintenance drive branch OPEX for Central Bank of India and accounted for a material portion of operating costs given the bank operated over 4,000 branches in 2024.
Cash handling, armored logistics and vault management add recurring costs and cash-in-transit insurance premiums that inflate expense per branch.
Geographic dispersion increases fixed expenses; ongoing branch rationalization and digital channel optimization programs in 2024 targeted improved efficiency and lower branch-level cost-to-income ratios.
Technology and Cybersecurity Spend
Core banking systems, licenses, cloud infrastructure and network upgrades form the largest slice of Central Bank of India technology spend, while cyber tools, continuous audits and SOC operations protect data integrity and uptime; ongoing development and systems integration enable new retail and digital features, and DR/BCP investments preserve continuity during incidents.
- Core systems, licenses, cloud, networks
- Cyber tools, audits, SOC for uptime
- Development, API integration, digital features
- DR/BCP and resilience
Credit Losses and Provisions
Credit losses and provisions materially compress Central Bank of India profitability, with reported gross NPA around 5.8% in FY2024 and provisioning charges remaining a key drag; ECL models allocate prudent buffers (about 1.1–1.4% of advances) to absorb defaults, while focused recovery and legal actions lifted recoveries and write-off recoveries in 2024, and portfolio diversification across retail, MSME and agro loans reduced volatility in loss rates.
- GNPA: 5.8% (FY2024)
- ECL buffer: ~1.1–1.4% of advances
- Recovery/legal actions: increased recoveries in 2024
- Diversification: retail/MSME/agri lowered loss volatility
Deposit-driven funding; CASA trims cost — GNPA 5.8%, ECL 1.1–1.4%, 4,000+ branches
Funding costs driven by deposits and selective term-deposit pricing; CASA optimization reduces blended cost of funds while liquidity buffers and HQLA add carry cost.
Staff salaries, benefits and training, plus branch rent/operations and cash logistics, form the bulk of recurring OPEX across 4,000+ branches (2024).
Credit provisions materially compress profitability: GNPA 5.8% (FY2024); ECL buffer ~1.1–1.4% of advances.
| Metric | 2024 |
|---|---|
| GNPA | 5.8% |
| ECL buffer | ~1.1–1.4% of advances |
| Branches | 4,000+ |
Revenue Streams
Interest on Loans
Interest from retail, MSME, corporate and agri lending drives Central Bank of India’s core revenue, with retail ~33%, MSME ~18%, corporate ~30% and agri ~19% of advances (FY2024 mix). Pricing is set by risk, tenor and collateral; prepayment and utilization rates materially affect yield. A balanced mix underpinned a reported NIM of about 2.7% in FY2024, supporting stable net interest income.
Investment and Treasury Income
SLR and non-SLR portfolios generate steady coupon and accrual income, with India’s statutory SLR at 18% and the 10-year G-sec yielding about 7.25% in 2024, underpinning core returns. Trading gains and dynamic hedging contribute opportunistic upside during rate moves. ALM optimization and duration management protect net interest margins. Surplus liquidity deployment in money markets (call/term rates ~6.5% in 2024) adds incremental carry.
Fees and Service Charges
Account, card, payments and cash-management fees diversify Central Bank of India’s income, with FY2023-24 non-interest income around Rs 2,100 crore supporting stability; processing charges and locker rentals provide steady streams, while interchange and UPI incentives (UPI volumes exceeded 100 billion annual transactions in 2024) add transactional upside; bundled fee packages lift product uptake and cross-sell.
Third-Party Distribution Commissions
Third-party distribution commissions from bancassurance, mutual funds and pension products form a steady non-interest income stream; mutual fund AUM in India exceeded Rs 45 lakh crore in 2024, supporting higher commission pools. Cross-selling across deposits, loans and investments boosts wallet share, while advisory-driven sales raise conversion and average ticket size. Robust compliance and KYC controls keep commission growth sustainable.
- 2024 MF AUM: Rs 45 lakh crore
- Cross-sell increases wallet share
- Advisory-driven sales lift conversion
- Compliance ensures sustainable growth
Forex and Remittance Income
Forex and remittance income at Central Bank of India arises from FX spreads, trade finance margins and cross-border remittance fees; letters of credit and guarantees add non-interest fee income, with corporate forex flows driving bulk volumes and retail digital remittances expanding—India's remittances were about 100–110 billion USD in 2023–24 (World Bank estimate).
- FX spreads on corporate flows
- LCs and guarantees: fee income
- Digital remittances: rising retail share (100–110B USD 2023–24)
Advances 33/18/30/19 — NIM 2.7%, remittances 100–110bn USD
Core revenue from interest: advances mix Retail 33%/MSME 18%/Corporate 30%/Agri 19% and reported NIM ~2.7% (FY2024). SLR 18% with 10y G-sec ~7.25% and money-market ~6.5% add stable coupon income; non-interest fees ~Rs 2,100 cr (FY2024) plus bancassurance and MF commissions. Remittances ~100–110bn USD (2023–24) bolster FX fees.
| Metric | 2024 |
|---|---|
| NIM | 2.7% |
| Advances mix R/MSME/Corp/Agri | 33/18/30/19% |
| Non-int income | Rs 2,100 cr |
| 10y G-sec | 7.25% |
| Remittances | 100–110bn USD |