State Bank of India , India's largest lender, has scheduled the announcement of its third-quarter financial results for February 7, 2026. The bank's central board will meet in Mumbai to consider and approve the financial results for the quarter ended December 31, 2025, according to an exchange filing.

Results Announcement and Analyst Meet

Following the Q3FY26 results declaration, State Bank of India will conduct an analyst meet on the same day at 5 pm. The meeting will be held at the State Bank Bhavan Auditorium, providing stakeholders with an opportunity to discuss the bank's quarterly performance and strategic outlook.

Trading Window Closure

In accordance with its Code of Conduct for Prohibition of Insider Trading, State Bank of India has implemented a trading window closure for designated persons and their immediate relatives or dependents. The restrictions came into effect from January 1, 2026, and will remain in place until 48 hours after the declaration of the Q3 results.

Previous Quarter Performance

State Bank of India demonstrated strong performance in the second quarter with robust financial metrics. The bank's operational efficiency and asset quality improvements reflected its solid fundamentals during the period.

The bank's net interest income of ₹42,985.00 crore exceeded analyst estimates of ₹40,766.00 crore, while net profit of ₹20,160.00 crore surpassed Street expectations of ₹17,048.00 crore. Asset quality remained stable with continued improvement in both gross and net non-performing assets ratios.

Market Performance

Shares of State Bank of India ended marginally lower on Wednesday, January 21, declining 0.67% to close at ₹1,029.45 on the NSE. The upcoming quarterly results announcement is expected to provide further insights into the bank's operational performance and strategic direction for the remaining fiscal year.

State Bank of India will revise service charges for online IMPS money transfers, introducing fees on higher-value transactions carried out through digital channels. The new pricing structure will apply to IMPS transactions initiated on or after February 15.

Revised Charge Structure

Under the revised framework, SBI will continue to allow free online IMPS transfers up to ₹25,000.00 through internet banking, mobile banking and the YONO app. Transactions exceeding this threshold will attract service charges based on the transfer amount.

Branch Transaction Charges Unchanged

Charges for IMPS transactions carried out at SBI branches will remain unchanged. Existing branch fees—ranging from ₹2.00 to ₹20.00 plus GST, based on transaction value—will continue to apply without modification.

Customer Exemptions

SBI has exempted select customer categories from the revised charges. The following account holders will not be required to pay IMPS service fees:

• Holders of certain salary and special savings accounts (DSP, PMSP, ICSP, CGSP, PSP and RSP accounts)
• Shaurya Family Pension Account holders
• SBI Rishtey Family Savings Account holders

Transaction Limits and Guidelines

The bank has retained the daily IMPS transfer limit at ₹5.00 lakh. As IMPS transactions are processed in real time and cannot be reversed, SBI has advised customers to verify beneficiary details carefully before completing a transfer.

About IMPS Service

IMPS, or Immediate Payment Service, is a real-time electronic funds transfer system that enables instant credit to the beneficiary's bank account. Customers can initiate IMPS transactions through multiple channels, including mobile and internet banking. The revision in IMPS charges follows SBI's recent update to service fees for ATM and Automated Deposit-cum-Withdrawal Machine (ADWM) transactions, particularly those conducted at other banks' ATMs.