SBI made ₹1.63 lakh crore profit under him in just 4 years!

Inside the mind of the man who managed more money than most countries’ GDPs. And until now, he’s never spoken on a podcast. For the first time, Dinesh Khara , former Chairman of the State Bank of India , joins Sandeep Jethwani for an unfiltered conversation about what it really takes to run a ₹50 lakh crore institution that touches 54 crore Indians. From handwritten ledgers in the 1980s to one of the world’s largest digital banking ecosystems today, Mr. Khara led SBI through a transformation few institutions have ever achieved. He tripled productivity, steered the bank through India’s largest merger , and built YONO — a digital-first platform that brought over 8 crore Indians online long before “fintech” became a buzzword. Under his leadership, SBI’s annual profit crossed ₹60,000 crore , the highest ever for an Indian bank, and its four-year cumulative profit exceeded the previous six decades combined. He led 230,000 employees , served 45 crore customers , and turned India’s oldest financial institution into a modern digital ecosystem, all while keeping it relevant to every generation since 1806. In this rare conversation, he opens up about how decisions are made when a single “yes” can move billions, what it takes to modernise trust at scale, and why he believes India’s banking system is just getting started. Follow Sandeep Jethwani on: LinkedIn - /sandeepjethwani X - /sandeepjethwani Follow Dezerv on: LinkedIn - /dezerv-in Instagram - /dezerv.in X - /dezervhq 👉 Over 300,000 wealth creators have reviewed their mutual fund portfolios with Dezerv. Get started:

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SBI made ₹1.63 lakh crore profit under him in just 4 years! is an episode from Insider Investing by Sandeep Jethwani.

This episode is 75:59 long.

This episode was published on Nov 7, 2025.

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