Comparative Financial Performance Analysis of State Bank of India and HDFC Bank

This study presents a comparative analysis of the financial performance of State Bank of India (SBI), India’s largest public sector bank, and HDFC Bank, the largest private sector bank. The objective is to assess and compare key financial indicators such as profitability, liquidity, asset quality, and efficiency over a period of three financial years (2017-18 to 2019-20). The methodology is based on ratio analysis using secondary data from annual reports, supplemented by statistical validation through t-tests. Results highlight HDFC Bank’s consistent performance across most metrics, particularly in profitability and asset quality, while SBI shows strengths in liquidity but faces challenges with high leverage and non-performing assets.