Banks Dashboard
Private and PSU banks
The sector map - bank by bank
a heat map of every bank, grouped private and PSU · pick a measure: green tiles are the strongest on it, red the weakest, slate around the median · hover for every measure, click to open · Table view ranks them side by side · excludes outliers
How to read: the two things that decide a bank's fate are how clean its loan book is and how profitably it lends. Pick a measure above the map: the greenest tiles are the sector's best on it and the reddest the weakest (for Gross NPA and Net NPA lower is better, so green marks the cleanest books). Switch measures and watch which names stay green - a bank that stays green - low bad loans, strong returns and margin, high ASTRA - is a durable, high-quality franchise; a row that reds out is the danger zone. Click any ticker for its full profile.
Private vs PSU - 6-factor radar
group-average quality scores (0-100) · clean book · profitability · capital · funding · growth · valuation · excludes outliers
Why this matters: the two bank families are built differently. This compares the average Private bank against the average state-owned (PSU) bank across the six quality dimensions at once. A bigger shape on one axis means that group is structurally stronger there - typically Private banks lead on profitability and funding, PSU banks on valuation cheapness. It is the fastest way to see where a bank's group already has an edge before you look at any single name.
Return on equity - ranked (5-year average)
banks sorted by 5-year average return on equity · coloured by segment · excludes outliers
Why this matters: return on equity is the profit a bank earns on every rupee of shareholder capital - the cleanest single measure of how well it turns equity into earnings. A 5-year average smooths out one good or bad year. Sustained high return on equity is what lets a bank compound book value and justify a higher price-to-book; persistently low return on equity is usually why a bank trades cheap.
P/B premium or discount
how far each bank's price-to-book sits from its fair (justified) value, in turns of book · teal = trades at a discount · coral = trades at a premium · excludes outliers
Why this matters: each bar is the gap between what a bank's shares actually cost (price-to-book) and the justified price-to-book its returns support under the Gordon Growth Model. Coral bars (right) trade at a premium - the market is paying up; teal bars (left) trade at a discount. A longer bar just means a wider gap - it flags where price and fundamentals disagree most. It is a valuation read, not a buy or sell call.
Net interest margin - ranked
NIM = (interest earned - interest paid) / assets · the spread that drives bank profitability · sorted · coloured by segment
Why this matters: a bank earns by lending at a higher rate than it pays for deposits. Net interest margin is that net spread, and it is the single biggest lever on a bank's earnings. When the RBI is in an easing cycle, banks that fund themselves cheaply - through low-cost current and savings accounts (a high CASA share) - defend their margin best as lending rates fall. N/A where not disclosed.
Asset quality monitor
All banks - full comparison
| Ticker | Company | Segment | Price | ASTRA | Val gap | ROE 5yr | ROA 3yr | PAT CAGR 3yr | P/B | Beta | GNPA | Valuation |
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