Top Banks in India in 2025

List of Top Banks in India in 2025

The banking sector plays a critical role in the upliftment and development of any economy. A bank does not merely deposit money repayable on demand or grant loans but undertakes several other functions as well. A bank channels the savings of individuals and converts them into fruitful investments, thereby supporting the financial growth of the economy. They play a major role in handling inflation and deflation in the country and act as a regulatory body. 

This blog provides an overview of the top banks in India in 2025, their market capitalisation, net profit, and other relevant details that an individual and investor should know. 

Top 10 Banks in India in 2025

Top Banks in India in 2025
Bank NameMarket Cap (Rs. Cr.)Net Profit (Rs. Cr.)Net Interest Income (Rs. Cr.)Bank Loan Rate (%) Bank Fixed Deposit Interest Rate (%)
HDFC Bank 1,428,13860,810108,53010.97.10
ICICI Bank938,88640,88074,30611.17.10
State Bank of India 774,21161,077159,87610.17.10
Kotak Mahindra Bank 356,81513,78225,99310.96.60
Axis Bank357,01124,86149,8949.997.25
IndusInd Bank 76,6818,97720,61610.497.75
Bank of Baroda135,97017,78844,7219.457.10
Punjab National Bank 126,9628,24440,0838.507.20
Union Bank of India 98,84013,64836,5707.957.10
Canara Bank 99,48614,55436,5669.957.10

Overview of Top 10 Banks in India

1. HDFC Bank

Established in August 1994, HDFC Bank is a prominent name in the private banking sector and is usually considered one of the best banks to open an account and deposit your savings. The bank has more than 9,092 branches in different cities and towns in India with approximately 20,993 ATMs. The key services offered by the bank to account holders include retail banking, corporate banking, treasury operations, home loan facilities, and commercial and rural banking.

  • Total Assets: Rs. 3,617,623 Cr.
  • Total Deposits: Rs. 2,379,786 Cr.
  • Net NPA: 0.33%
  • Capital Adequacy Ratio: 18.8%

2. ICICI Bank

Incorporated in 1994, ICICI Bank was launched as a part or subsidiary of the ICICI group. In 1999, it became the first bank from non-Japan Asia that got recognition in the New York Stock Exchange. In India, the bank has more than 6,613 branches, along with 16,120 ATMs spread across different towns and cities. The bank offers numerous services to individual account holders and commercial enterprises, including venture capital, non-life insurance, investment banking, retail banking, and asset management. 

  • Total Assets: Rs. 1,871,514 Cr.
  • Total Deposits: Rs. 1,412,825 Cr.
  • Net NPA: 0.4%
  • Capital Adequacy Ratio: 16.33%

3. State Bank of India

SBI is a well-known bank that has been recognised in the Fortune 500 company list. Established in July 1955, SBI is a leading public sector bank that served over 50 crore customers in India. The bank has more than 22,500 branches and 63,580 ATMs in different parts of the country. The bank offered numerous services to the account holders, including investment banking, retail banking, digital banking, corporate banking, and insurance and investment.

  • Total Assets: Rs. 6,179,694 Cr.
  • Total Deposits: Rs. 49,16,077 Cr.
  • Net NPA: 0.57%
  • Capital Adequacy Ratio: 14.28%

4. Kotak Mahindra Bank

Incorporated in November 1985, Kotak Mahindra Bank is a prominent and leading bank in India. It offers a wide range of services to its valuable account holders, including commercial banking, asset management, investment banking, treasury, insurance, vehicle finance, and advisory services. With approximately 1,869 branches and 3,293 ATMs, the bank operates in different parts of India and serves more than 5.2 Cr. customers.

  • Total Assets: Rs. 600,357.05 Cr.
  • Total Deposits: Rs. 448,953.75 Cr.
  • Net NPA: 0.34%
  • Capital Adequacy Ratio: 20.5%

5. Axis Bank

Axis Bank was established in 1993 as UTI Bank, and later on it was renamed as Axis Bank in 2007. It is India’s third-largest private sector bank, which operates in more than 2,000 cities and small towns in the country. With over 5,377 branches and more than 16,000 ATMs, it offers numerous services to individual customers as well as large and medium enterprises, MSMEs, and the agricultural sector. Key services offered by Axis Bank include loans, cards, account management, insurance, investment, and digital banking solutions.

  • Total Assets: Rs. 1,477,209 Cr.
  • Total Deposits: Rs. 1,068,641 Cr.
  • Net NPA: 0.31%
  • Capital Adequacy Ratio: 16.63%

6. Indusland Bank

Incorporated in 1994, Indusland Bank is an eminent and notable name in the private banking sector. With over 3040 branches and 3011 ATMs across different cities and towns, the bank serves more than 2 crore customers. To its valuable customers, the bank offers individual and corporate banking services, including personal loans, microfinance, credit cards, SME loans, and commercial vehicle loans.

  • Total Assets: Rs. 514,935.14 Cr.
  • Total Deposits: Rs. 384,586 Cr.
  • Net NPA: 0.57%
  • Capital Adequacy Ratio: 17.23%

7. Bank of Baroda

Bank of Baroda was established in 1908 as a public sector bank, and since then, it’s been offering reliable and valuable banking services to its customers. The bank totals 8,200 branches and 10,000+ ATMs. Key services offered by Bank of Baroda include deposit accounts, insurance and investments, loans, and digital banking services.

  • Total Assets: Rs. 1,585,797 Cr.
  • Total Deposits: Rs. 1,326,957 Cr.
  • Net NPA: 0.68%
  • Capital Adequacy Ratio: 16.31%

8. Punjab National Bank

Punjab National Bank is widely known as India’s first swadeshi bank that started operating in 1895 from Lahore. It is India’s second-largest public sector bank. The bank has more than 10,092 branches and 12,645 ATMs in India. The bank also has 2 international branches and is known for its outstanding services and customer support. Key services offered by PNB include trade finance, foreign exchange dealing, deposit-taking, lending, bill discounting, and treasury operations.

  • Total Assets: Rs. 1,561,835 Cr. 
  • Total Deposits: Rs. 1,369,712 Cr. 
  • Net NPA: 0.73%
  • Capital Adequacy Ratio: 15.97%

9. Union Bank of India

Union Bank of India is a leading bank in the public sector. It has an outstanding and widespread network of 8,500 branches and 9,100 ATMs in different cities and states. The bank offered numerous banking services and holds several awards and recognitions for development and transformation in digital banking, MSME, and financial inclusion.

  • Total Assets: Rs. 1,391,957 Cr.
  • Total Deposits: Rs. 1,221,528 Cr.
  • Net NPA: 1.03%
  • Capital Adequacy Ratio: 16.97%

10. Canara Bank 

Founded in 1906, Canara Bank was established as a small branch in the Mangalore town of Karnataka. Since then, it has offered numerous services to the customers and scaled up its market position. At present, it is a well-recognised bank in India that serves more than 11.50 crore customers. The bank has a total of 9,658 branches and 12,191 ATMs. 

  • Total Assets: Rs. 1,491,541 Cr. 
  • Total Deposits: Rs. 12,14,951 Cr. 
  • Net NPA: 1.27%
  • Capital Adequacy Ratio: 89.10%

Frequently Asked Questions

1. What are the best banks in India for fixed deposits for 5 years?

The best banks in India for a fixed deposit of 5 years include:
1. DCB Bank – 8.00% interest rate
2. Bhanlaxmi Bank – 7.75 % interest rate
3. IndusInd Bank – 7.5% interest rate
4. YES Bank – 7.30% interest rate

2. Which is the biggest bank in India in terms of assets and network?

SBI is the biggest bank in India in 2025, with total assets of Rs. 6,179,694 Cr. and a network of 22,500 branches and 63,580 ATMs.

3. Which bank is the No. 1 private bank in India?

HDFC is India’s No. 1 private bank in India in 2025 with a market capitalisation of Rs. 1,428,138 crore.

4. Which bank is the No. 1 public sector bank in India?

SBI is India’s no. 1 public sector bank in India in 2025 with a market capitalisation of Rs. 774,211 crore.

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