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— What you experience vs. what others give you —
Screener.in / Raw Data
Stocksure
What other platforms show you
P/E Ratio 14.2x
Debt / Equity 1.82x
GNPA Ratio 3.52%
ROE 12.8%
Promoter Holding 57.5%
Net Interest Margin 3.2%
Capital Adequacy 13.7%
😕 "What is GNPA? What does 1.82x debt mean? Should I invest or not?"
What StockSure shows you
Critical High Bad Loan Ratio
SBI has ₹3.52 in bad loans for every ₹100 it lends. This means some borrowers are not repaying on time — reducing profit and increasing risk for shareholders.
📐 GNPA 3.52% > 2.5% danger threshold
Important Moderate Debt Load
SBI borrows ₹1.82 for every ₹1 it owns. Normal for a large government bank, but watch closely if interest rates rise — loan repayment gets harder.
📐 D/E 1.82x — acceptable for PSU banking sector
✅ "Now I understand exactly what to watch. I can make my own decision."
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The stock market wasn't built
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90 million Indians now invest in stocks. Most have no idea what they're really buying. That's not their fault — nobody made it simple.

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We surface all critical, important, and minor risks — ranked by severity — so you always know what could go wrong before putting in your money.

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No "GNPA ratios" or "EV/EBITDA multiples" thrown at you. Every insight is written the way a knowledgeable friend would explain it over chai.

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Safety points, not just risks

We also highlight every strength — strong cash flow, zero debt, brand moats, market leadership — so you see the full picture, not just the warnings.

The real reason most retail
investors lose money

❌ What happens today (without StockSure)
  • Opens Screener.in. Sees P/E 94x, GNPA 3.52%, ROE 12.8%. Understands nothing.
  • Googles "what is GNPA" — spends 45 minutes reading contradictory articles.
  • Asks in a WhatsApp group. Gets 6 different opinions. Still confused.
  • Follows a Telegram tip that says "STRONG BUY 🚀🚀🚀"
  • Invests ₹20,000. Stock falls 35% in 2 months. Never knew the risk.
  • Loses money. Blames the market. Stops investing forever.
VS
✅ What happens with Stocksure
  • Opens StockSure. Types "SBI". Analysis ready in seconds.
  • Sees: "CRITICAL — GNPA 3.52%: bad loans are rising. Here's why that matters for you."
  • Reads the plain English explanation. Understands the risk in 60 seconds.
  • Checks the proof: "Triggered because GNPA > 2.5% danger threshold."
  • Decides to wait for GNPA to improve before investing. Keeps ₹20,000 safe.
  • Invests in a safer stock identified through Stocksure. Builds wealth.
Live Example — SBI

Here's exactly how we analyse
State Bank of India

This is what you see the moment you search SBI on Stocksure . Every risk explained. Every claim proven.

State Bank of India
SBIN Banking · NSE Large Cap
₹1030.40
▲ +0.9% today
All Factors (6)
🔴 Critical (2)
🟡 Important (2)
🟢 Strengths (2)
🚨
High Bad Loan (GNPA) Ratio Critical
SBI has ₹3.52 in bad (unpaid) loans for every ₹100 it has lent out. When borrowers don't repay, this directly eats into the bank's profits — and your returns as a shareholder. While SBI is India's largest bank and government-backed, this ratio is above the danger zone and needs to improve before this is a safe investment.
What we checkedSBISafe zone
GNPA Ratio3.52%Below 2.5%
Industry avg GNPA3.1%Benchmark
GNPA trend (last 3yr)ImprovingShould be falling
📐 Trigger: GNPA (3.52%) > 2.5% danger threshold → CRITICAL Bad Loan risk flagged
⚖️
Slow Decision-Making Due to Government Control Critical
The Indian government owns 57.5% of SBI. This means major business decisions — loan approvals, branch expansion, executive pay — are influenced by political considerations, not just profit. In bad times, SBI may be forced to lend to risky sectors to support government goals. This slows the bank's ability to compete with fast-moving private banks like HDFC and ICICI.
What we checkedSBIContext
Government ownership57.5%Majority control
ROE vs HDFC Bank12.8% vs 16.8%Private banks higher
📐 Trigger: Government majority + lower ROE vs peers → CRITICAL Governance / Efficiency risk
📊
Moderate Debt-to-Equity Ratio Important
SBI borrows ₹1.82 for every ₹1 it owns. For a government bank this is normal — banks use deposits (which are a form of debt) to lend. But if interest rates rise sharply, SBI's cost of borrowing increases and its profit margins shrink. Watch this number in a rising interest rate environment.
What we checkedSBIContext
Debt / Equity1.82xPSU banks: acceptable
Net Interest Margin3.2%Above 3% = healthy
📐 Trigger: D/E 1.82x is within PSU banking norms → IMPORTANT (not critical) watch flag
📉
ROE Below Top Private Banks Important
For every ₹100 shareholders invest in SBI, the bank generates ₹12.8 as profit. HDFC Bank generates ₹16.8 and Kotak Mahindra generates ₹14.2 on the same ₹100. This doesn't mean SBI is bad — but private banks use shareholder money more efficiently, which over 10 years creates a meaningful wealth difference.
BankROEVerdict
SBI12.8%Below private peers
HDFC Bank16.8%Best in class
Kotak Mahindra14.2%Above SBI
📐 Trigger: ROE 15%+ below best-in-class peer → IMPORTANT Efficiency note flagged
🏛️
Government Backing — Zero Bankruptcy Risk Strength
SBI is 57.5% owned by the Indian Government. This means it is virtually impossible for SBI to go bankrupt — the government will always step in to protect depositors and shareholders. For a conservative investor, this is one of the most powerful safety nets in India's entire stock market.
What we checkedSBIContext
Govt ownership57.5%Majority + control
Too big to failYesSystemic importance
📐 Strength: Majority government ownership → Bankruptcy risk = Near Zero → Safety confirmed
💰
Strong Capital Adequacy Ratio (13.7%) Strength
SBI maintains a Capital Adequacy Ratio of 13.7%. Think of this as the bank's "emergency fund" — it means SBI can absorb significant loan losses before its stability is threatened. RBI requires banks to maintain at least 11.5%. SBI is comfortably above this, which is a direct safety signal.
What we checkedSBISafe zone
Capital Adequacy Ratio13.7%RBI minimum: 11.5%
Buffer above minimum+2.2%Good cushion
📐 Strength: CAR (13.7%) > RBI minimum (11.5%) → Capital Safety confirmed
Key Ratios — Simply Explained
P/E Ratio
14.2x
Fairly priced. Below sector avg of 16x.
GNPA (Bad Loans)
3.52%
Above safe limit of 2.5%. Watch closely.
ROE
12.8%
Decent but below private bank peers.
Capital Adequacy
13.7%
Good buffer. Well above RBI's 11.5% minimum.
Dividend Yield
2.1%
Regular income while holding. Positive signal.
Safety Points
✓Government owned — near-zero bankruptcy risk
✓Largest bank in India — systemic importance
✓Capital Adequacy 13.7% — well above minimum
✓GNPA improving year-on-year — trend positive
✓Regular dividend payment — shareholder friendly
📄 Complete Company Breakdown
We believe in complete transparency. This page highlights only the key insights. Please Download the full analysis report PDF below for the complete breakdown.
Download SBI analysis report
How It Works

From zero to full stock understanding
in under 5 minutes

No tutorials. No finance courses. Just search and read.

1

Search any stock by name

Type "SBI", "Tata Motors", "Infosys" — or any of 500+ NSE / BSE listed companies. No ticker knowledge needed. Just the name you know.

2

See every risk ranked by severity

Our Team checks 42+ risk factors across debt, governance, valuation, cash flow, sector, and competition. Risks appear as Critical, Important, or Minor — so you always know what matters most.

3

Read the plain English explanation

Every risk is explained in simple language — what it is, why it exists, and what it means for your investment. Written the way a knowledgeable friend would explain it, not a textbook.

4

Verify the proof if you want

Every risk shows the exact number that triggered it, the industry benchmark, and the mathematical rule we used. Tap "Why we say this" to see the full proof. Nothing is a black box.

5

Invest with confidence — or skip and stay safe

You now know everything important about this stock. Invest knowing the risks. Or decide to wait for a better time. Either way, the decision is yours — made with real information.

From investors who finally understand what they're buying

"I used to just follow tips on Telegram. Lost ₹40,000 in 6 months. StockSure showed me exactly why those stocks were risky — in plain Hindi-English. I haven't followed a tip since."
Ravi Kumar
Software Engineer · Kanpur
"I'm a doctor. I understand medicine perfectly but stocks always confused me. StockSure is the first tool where I actually understood what I was reading. Finally invested my savings properly."
Dr. Priya Sharma
Cardiologist · Prayagraj
"My father asked me why SBI is risky even though it's a government bank. I showed him StockSure GNPA explanation. He understood in 2 minutes what I couldn't explain in 2 hours."
Aryan Mehta
MBA Student · USA
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