---
title: "D-SIBs: Domestic Systemically Important Banks"
description: "Domestic Systemically Important Banks (D-SIBs) are \"too big to fail\" lenders facing extra capital surcharges. See how the RBI and Basel framework classify them."
url: "https://modeldiplomat.com/learn/glossary/systemically-important-banks"
---

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Model Diplomat Research Team · Last reviewed June 22, 2026

TL;DR

- Domestic Systemically Important Banks are banks whose failure would disrupt a national financial system, subjecting them to enhanced capital surcharges and supervision.
- How do D-SIBs differ from G-SIBs?
- Which banks are D-SIBs in India and who designates them?
- What additional requirements does D-SIB designation impose?
- Does D-SIB status worsen the too-big-to-fail problem?

[Civil Service & Diplomatic Exams](https://modeldiplomat.com/learn/civil-services/glossary)Updated June 22, 2026

Domestic Systemically Important Banks are banks whose failure would disrupt a national financial system, subjecting them to enhanced capital surcharges and supervision.

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In its annual disclosure, the Reserve Bank of India retained the State Bank of India, HDFC Bank, and ICICI Bank as Domestic Systemically Important Banks in 2024, with SBI carrying the highest CET1 surcharge.

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