Most Profitable Banks in

DFS LETTER TO ALL PSU BANK TO REDUCED EXPENDITURES

RTGS &NEFT PAYMENT IN APRIL 2026

RTGS & NEFT payments in April 2026. 

RTGS total payments by all Govt, Private,  Foreign,  Grameen Banks and Co-operate Banks was Rs.1,92,48,589 crore in April 2026 .

Banks which have done payment of   atleast 1% of RTGS ( Rs.1,92,485 crore )were as per RBI data  as follows: 

Rs. In crore.  Payment.            % to total

HDFC Bank.         40,55,877.      21.07%

State Bank.          24,50,840.       12.73%

ICICI Bank.          22,47,253.        11.67%

Axis Bank.           16,58,533.          8.62%

Kotak Mahindra   5,79,452.          3.01%

Punjab National. 4,68,265.           2.43%

Yes Bank.              4,65,428.           2.42%

Canara Bank.        3,69,876.          1.92%

Bank of Baroda.   3,56,314.          1.85%

Union Bank.          3,55,684.           1.85%

Bank of India.       3,25,865.           1.69%

IDBI Bank.             2,71,650.            1.41%

Indusind Bank.     2,17,045.           1.13%

Foreign Banks 

Citi Bank.            6,46,646.            3.36%

Deutsche Bank  5,13,940.           2.67%

HSBC.                  3,89,506.           2.02%

All other Banks are doing less business in RTGS payments especially Metro cities and urban Towns. State Bank is the only Government Bank giving tough competition in Current accounts and big Customers as compared to Private top four Private Banks. 

Indian Bank,  Indian Overseas Bank,  Bank of Maharashtra,  Central Bank of India,  were nowhere near small Private Banks also.  In case of UCO Bank and Punjab Sind Bank  they are diminishing slowly. 

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Let us see NEFT payments also in April month 2026. 

Total NEFT payments in April month 2026 were Rs. 44,24,471 crore. 1% works out to Rs.44,244 crore. Banks NEFT payments above 1% were as under : 

Rs. In crore.      NEFT payments.      % to total

State Bank.         5,23,190.                11.82%

HDFC Bank.        4,83,442.                10.92%

Axis Bank.           4,38,387.                  9.90%

ICICI Bank.          4,00,575.                  9.05%

Yes Bank.            3,19,312.                   7.21%

Kotak Mahindra. 1,23,789.                 2.79%

Bank of Baroda.     68,272.                 1.54%

IDBI Bank                 64,709.                 1.46%

Punjab National .   64,024.                 1.44%

IDFC First Bank.     61,914.                 1.39%

Union Bank.             58,794.                 1.33%

Indusind Bank.       52,214.                  1.18%

Foreign Banks 

Citi Bank.             2,13,564.              4.82%

HSBC Bank.        1,47,905.              3.34%

Deutsche Bank. 1,10,724.              2.50%

Stanchart Bank  1,07,024.             2.41% 

The above comments in RTGS topic applies in NEFT payments also. Except SBI all other Government Banks are loosing ground in Metro cities and Urban Towns , in attracting big industrial Customers and Big business men . 

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Top 6 Govt Banks after SBI

Top 6 Govt Banks after SBI 

However in this list  No merger happened in Bank of India in 2019. 

Rs. In crore for Deposits,  Advances and Profit only. As at 31-3-2026.

                  Indian Bank.    Bank of India 

Branches.  6001.               5511

Deposits.   7,89,283.       8,00,443

Advances  6,17,485.       6,54,292 

Q4 PROFIT.      3,103.            3,015

FY 2026 profit  12,156.      10,527 

                    Punjab National.   Bank of Baroda 

Branches.   10,324.                   8,648

Deposits.    16,49,060.          14,01,290

Advances.  11,92,950.          11,69,458

Q4 profit.       5,225.                  5,615

FY 2026 profit  16,904.           20,021

                      Canara Bank.     Central Bank 

Branches.    9,849.                 4,585

Deposits.   14,36,905.       4,67,923

Advances. 11,61,143.      3,44,516

Q4 profit.      4,506.             724

FY 2026 profit 19,187.      4,369 

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Two Gaints 

                     State Bank.      HDFC Bank

Branches.   22,937.             9,689

Deposits. 57,32,960.        31,05,300

Advances  41,89,686.      29,37,200

Q4 profit.     18,643.          19,220

FY 2026 profit  80,032.     70,000 Aproximate

Employees.   2,45,131.     2,11,178 

These two Banks are in the top 50 Banks in the  World now. 

HDFC Bank is planning to open more branches than Punjab National Bank and become the second largest Bank in India.

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