Banks with low bad loans and high returns
Banks with low net bad loans and a high return on assets. Change any filter below to make it your own.
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Companies that pass
15
as of 2026-11-01
Typical ROA
1.8%
banks ₹1,000 Cr+: 1.2%
Typical P/E
10.4
banks ₹1,000 Cr+: 8.8
Sectors
- Financial Services 15
15 results
· data as of 2026-11-01| Industry | ROCE, last 5 years | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| HDFCBANK HDFC Bank Limited | Private Sector Bank | 10,68,201 Cr | 13.34 | 1.84 | 13.6% | 1.9% | 1.02 | 0.37% | 1.78% | ||
| ICICIBANK ICICI Bank Limited | Private Sector Bank | 10,03,736 Cr | 16.99 | 2.46 | 15.4% | 0.8% | 0.73 | 0.30% | 2.25% | ||
| KOTAKBANK Kotak Mahindra Bank Limited | Private Sector Bank | 4,59,195 Cr | 21.38 | 2.36 | 11.0% | 0.1% | 0.63 | 0.24% | 1.98% | ||
| AXISBANK Axis Bank Limited | Private Sector Bank | 3,78,937 Cr | 12.65 | 1.66 | 13.1% | 0.1% | 1.42 | 0.35% | 1.49% | ||
| UNIONBANK Union Bank of India | Public Sector Bank | 1,41,985 Cr | 6.45 | 0.99 | 15.3% | 2.6% | 0.71 | 0.42% | 1.38% | ||
| INDIANB Indian Bank | Public Sector Bank | 1,16,579 Cr | 8.82 | 1.34 | 15.2% | 2.1% | 0.89 | 0.14% | 1.29% | ||
| IDBI IDBI Bank Limited | Private Sector Bank | 86,363 Cr | 10.40 | 1.19 | 11.5% | 2.6% | 0.45 | 0.17% | 1.83% | ||
| FEDERALBNK The Federal Bank Limited | Private Sector Bank | 83,998 Cr | 16.19 | 1.91 | 12.3% | 0.4% | 0.86 | 0.17% | 1.24% | ||
| MAHABANK Bank of Maharashtra | Public Sector Bank | 62,579 Cr | 7.82 | 1.68 | 21.4% | 2.7% | 1.28 | 0.12% | 1.93% | ||
| IOB Indian Overseas Bank | Public Sector Bank | 55,343 Cr | 8.31 | 1.37 | 16.5% | — | 1.23 | 0.16% | 1.36% | ||
| KARURVYSYA Karur Vysya Bank Limited | Private Sector Bank | 34,424 Cr | 11.64 | 2.24 | 19.2% | 0.6% | 0.15 | 0.18% | 2.11% | ||
| CUB City Union Bank Limited | Private Sector Bank | 21,223 Cr | 14.24 | 1.90 | 13.3% | 0.9% | 0.47 | 0.48% | 1.59% | ||
| TMB Tamilnad Mercantile Bank Limited | Private Sector Bank | 12,689 Cr | 8.04 | 1.18 | 14.7% | 1.4% | 0.21 | 0.14% | 2.04% | ||
| UJJIVANSFB Ujjivan Small Finance Bank Limited | Other Bank | 10,358 Cr | 9.01 | 1.38 | 15.3% | 2.8% | 0.40 | 0.31% | 2.05% | ||
| CSBBANK CSB Bank Limited | Private Sector Bank | 5,134 Cr | 7.47 | 0.99 | 13.2% | — | 1.18 | 0.33% | 1.24% |
- HDFCBANKPrivate Sector BankHDFC Bank Limited
- Mcap
- 10,68,201 Cr
- P/E
- 13.34
- P/B
- 1.84
- ROE
- 13.6%
- Div yield
- 1.9%
- D/E
- 1.02
- Net NPA
- 0.37%
- ROA
- 1.78%
- ICICIBANKPrivate Sector BankICICI Bank Limited
- Mcap
- 10,03,736 Cr
- P/E
- 16.99
- P/B
- 2.46
- ROE
- 15.4%
- Div yield
- 0.8%
- D/E
- 0.73
- Net NPA
- 0.30%
- ROA
- 2.25%
- KOTAKBANKPrivate Sector BankKotak Mahindra Bank Limited
- Mcap
- 4,59,195 Cr
- P/E
- 21.38
- P/B
- 2.36
- ROE
- 11.0%
- Div yield
- 0.1%
- D/E
- 0.63
- Net NPA
- 0.24%
- ROA
- 1.98%
- AXISBANKPrivate Sector BankAxis Bank Limited
- Mcap
- 3,78,937 Cr
- P/E
- 12.65
- P/B
- 1.66
- ROE
- 13.1%
- Div yield
- 0.1%
- D/E
- 1.42
- Net NPA
- 0.35%
- ROA
- 1.49%
- UNIONBANKPublic Sector BankUnion Bank of India
- Mcap
- 1,41,985 Cr
- P/E
- 6.45
- P/B
- 0.99
- ROE
- 15.3%
- Div yield
- 2.6%
- D/E
- 0.71
- Net NPA
- 0.42%
- ROA
- 1.38%
- INDIANBPublic Sector BankIndian Bank
- Mcap
- 1,16,579 Cr
- P/E
- 8.82
- P/B
- 1.34
- ROE
- 15.2%
- Div yield
- 2.1%
- D/E
- 0.89
- Net NPA
- 0.14%
- ROA
- 1.29%
- IDBIPrivate Sector BankIDBI Bank Limited
- Mcap
- 86,363 Cr
- P/E
- 10.40
- P/B
- 1.19
- ROE
- 11.5%
- Div yield
- 2.6%
- D/E
- 0.45
- Net NPA
- 0.17%
- ROA
- 1.83%
- FEDERALBNKPrivate Sector BankThe Federal Bank Limited
- Mcap
- 83,998 Cr
- P/E
- 16.19
- P/B
- 1.91
- ROE
- 12.3%
- Div yield
- 0.4%
- D/E
- 0.86
- Net NPA
- 0.17%
- ROA
- 1.24%
- MAHABANKPublic Sector BankBank of Maharashtra
- Mcap
- 62,579 Cr
- P/E
- 7.82
- P/B
- 1.68
- ROE
- 21.4%
- Div yield
- 2.7%
- D/E
- 1.28
- Net NPA
- 0.12%
- ROA
- 1.93%
- IOBPublic Sector BankIndian Overseas Bank
- Mcap
- 55,343 Cr
- P/E
- 8.31
- P/B
- 1.37
- ROE
- 16.5%
- Div yield
- —
- D/E
- 1.23
- Net NPA
- 0.16%
- ROA
- 1.36%
- KARURVYSYAPrivate Sector BankKarur Vysya Bank Limited
- Mcap
- 34,424 Cr
- P/E
- 11.64
- P/B
- 2.24
- ROE
- 19.2%
- Div yield
- 0.6%
- D/E
- 0.15
- Net NPA
- 0.18%
- ROA
- 2.11%
- CUBPrivate Sector BankCity Union Bank Limited
- Mcap
- 21,223 Cr
- P/E
- 14.24
- P/B
- 1.90
- ROE
- 13.3%
- Div yield
- 0.9%
- D/E
- 0.47
- Net NPA
- 0.48%
- ROA
- 1.59%
- TMBPrivate Sector BankTamilnad Mercantile Bank Limited
- Mcap
- 12,689 Cr
- P/E
- 8.04
- P/B
- 1.18
- ROE
- 14.7%
- Div yield
- 1.4%
- D/E
- 0.21
- Net NPA
- 0.14%
- ROA
- 2.04%
- UJJIVANSFBOther BankUjjivan Small Finance Bank Limited
- Mcap
- 10,358 Cr
- P/E
- 9.01
- P/B
- 1.38
- ROE
- 15.3%
- Div yield
- 2.8%
- D/E
- 0.40
- Net NPA
- 0.31%
- ROA
- 2.05%
- CSBBANKPrivate Sector BankCSB Bank Limited
- Mcap
- 5,134 Cr
- P/E
- 7.47
- P/B
- 0.99
- ROE
- 13.2%
- Div yield
- —
- D/E
- 1.18
- Net NPA
- 0.33%
- ROA
- 1.24%
About this screen: why it might work, and what it can miss
A bank that keeps its net bad loans low while earning a high return on its assets is lending carefully and pricing its loans well.
- NPA figures are for the bank alone, from its latest quarter; ROA is over the last twelve months.
- Low NPAs can also come from writing loans off; compare the gross NPA trend on the bank's page.
A screen applies a rule to reported figures; it is not a recommendation to buy or sell.
Data as of 2026-11-01. Not investment advice.