{
 "meta": {
  "dossier": "banks",
  "source": "Reserve Bank of India, DBIE, via the Reserve Bank Innovation Hub's data service",
  "vintage": "2026-10-10",
  "mock": false,
  "geo": "IND",
  "releaseDate": null,
  "revisionPolicy": "Bank-wise figures are the banks' own returns as the RBI publishes them and are not revised once printed; the Outlook's latest March is provisional and is replaced by the next edition's figure. Mergers are disclosed on the acquirer, never joined.",
  "frequency": "quarterly",
  "unit": "pct",
  "base": "Off-site returns, as published",
  "latestPeriod": "2026-03",
  "coverage": "Bad loans of India's banks, quarter by quarter: gross and net NPA ratios of all scheduled commercial banks and each bank group",
  "note": "A selection from RBI DBIE report 1221 (table 2, domestic operations), copied as published from banks-groups-asset-quality. Small finance banks are reported from December 2016."
 },
 "dates": [
  "2013-12-01",
  "2014-03-01",
  "2014-06-01",
  "2014-09-01",
  "2014-12-01",
  "2015-03-01",
  "2015-06-01",
  "2015-09-01",
  "2015-12-01",
  "2016-03-01",
  "2016-06-01",
  "2016-09-01",
  "2016-12-01",
  "2017-03-01",
  "2017-06-01",
  "2017-09-01",
  "2017-12-01",
  "2018-03-01",
  "2018-06-01",
  "2018-09-01",
  "2018-12-01",
  "2019-03-01",
  "2019-06-01",
  "2019-09-01",
  "2019-12-01",
  "2020-03-01",
  "2020-06-01",
  "2020-09-01",
  "2020-12-01",
  "2021-03-01",
  "2021-06-01",
  "2021-09-01",
  "2021-12-01",
  "2022-03-01",
  "2022-06-01",
  "2022-09-01",
  "2022-12-01",
  "2023-03-01",
  "2023-06-01",
  "2023-09-01",
  "2023-12-01",
  "2024-03-01",
  "2024-06-01",
  "2024-09-01",
  "2024-12-01",
  "2025-03-01",
  "2025-06-01",
  "2025-09-01",
  "2025-12-01",
  "2026-03-01"
 ],
 "series": {
  "all_gnpa": {
   "name": "all_gnpa_pct",
   "unit": "pct",
   "group": "All scheduled commercial banks",
   "label": "All scheduled commercial banks, gross NPA ratio (bad loans, per cent of gross advances), domestic operations",
   "data": [
    4.4,
    4.12,
    4.32,
    4.54,
    4.78,
    4.62,
    4.98,
    5.18,
    6.25,
    7.79,
    8.56,
    9.16,
    9.47,
    9.59,
    10.35,
    10.23,
    10.39,
    11.46,
    11.19,
    10.75,
    10.1,
    9.24,
    9.42,
    9.27,
    9.1,
    8.32,
    7.96,
    7.45,
    6.75,
    7.33,
    7.45,
    6.97,
    6.46,
    5.89,
    5.68,
    5.03,
    4.47,
    3.91,
    3.62,
    3.32,
    3.02,
    2.79,
    2.73,
    2.63,
    2.51,
    2.31,
    2.32,
    2.15,
    1.99,
    1.82
   ]
  },
  "all_nnpa": {
   "name": "all_nnpa_pct",
   "unit": "pct",
   "group": "All scheduled commercial banks",
   "label": "All scheduled commercial banks, net NPA ratio (bad loans left after provisions, per cent of net advances), domestic operations",
   "data": [
    2.57,
    2.28,
    2.43,
    2.63,
    2.66,
    3.4,
    3.44,
    3.46,
    3.67,
    4.63,
    5.14,
    5.44,
    5.77,
    5.49,
    6.14,
    5.74,
    5.7,
    6.1,
    5.69,
    5.3,
    4.68,
    3.75,
    3.82,
    3.68,
    3.5,
    2.88,
    2.56,
    2.1,
    1.66,
    2.43,
    2.51,
    2.27,
    2.02,
    1.72,
    1.62,
    1.37,
    1.21,
    0.99,
    0.9,
    0.79,
    0.71,
    0.64,
    0.63,
    0.59,
    0.57,
    0.52,
    0.54,
    0.49,
    0.46,
    0.42
   ]
  },
  "psb_gnpa": {
   "name": "psb_gnpa_pct",
   "unit": "pct",
   "group": "Public sector banks",
   "label": "Public sector banks, gross NPA ratio (bad loans, per cent of gross advances), domestic operations",
   "data": [
    5.07,
    4.72,
    4.98,
    5.29,
    5.63,
    5.43,
    5.94,
    6.2,
    7.72,
    9.83,
    11.07,
    11.82,
    12.15,
    12.47,
    13.69,
    13.54,
    13.83,
    15.52,
    15.35,
    14.81,
    13.91,
    12.25,
    12.53,
    12.32,
    11.87,
    10.79,
    10.21,
    9.65,
    8.85,
    9.36,
    9.42,
    8.82,
    8.18,
    7.57,
    7.26,
    6.38,
    5.82,
    5.22,
    4.84,
    4.42,
    3.94,
    3.67,
    3.52,
    3.32,
    3.08,
    2.79,
    2.72,
    2.5,
    2.29,
    2.11
   ]
  },
  "psb_nnpa": {
   "name": "psb_nnpa_pct",
   "unit": "pct",
   "group": "Public sector banks",
   "label": "Public sector banks, net NPA ratio (bad loans left after provisions, per cent of net advances), domestic operations",
   "data": [
    3.13,
    2.77,
    2.97,
    3.26,
    3.32,
    4.31,
    4.42,
    4.43,
    4.77,
    6.13,
    6.91,
    7.32,
    7.78,
    7.39,
    8.43,
    7.87,
    7.89,
    8.58,
    8.14,
    7.62,
    6.68,
    5.12,
    5.32,
    5.15,
    4.89,
    4,
    3.54,
    2.94,
    2.37,
    3.23,
    3.33,
    3.03,
    2.68,
    2.33,
    2.18,
    1.81,
    1.65,
    1.34,
    1.21,
    1.04,
    0.91,
    0.81,
    0.75,
    0.67,
    0.63,
    0.56,
    0.54,
    0.49,
    0.45,
    0.42
   ]
  },
  "private_gnpa": {
   "name": "private_gnpa_pct",
   "unit": "pct",
   "group": "Private sector banks",
   "label": "Private sector banks, gross NPA ratio (bad loans, per cent of gross advances), domestic operations",
   "data": [
    2.05,
    1.88,
    2.05,
    2.06,
    2.18,
    2.2,
    2.27,
    2.23,
    2.54,
    2.7,
    2.78,
    3.2,
    3.59,
    3.51,
    3.64,
    3.88,
    3.88,
    4.01,
    3.96,
    3.79,
    3.76,
    4.81,
    5.02,
    5.07,
    5.5,
    5.11,
    5.03,
    4.57,
    3.98,
    4.74,
    4.89,
    4.61,
    4.22,
    3.73,
    3.7,
    3.35,
    2.67,
    2.17,
    2.08,
    2.08,
    1.98,
    1.81,
    1.86,
    1.86,
    1.88,
    1.76,
    1.86,
    1.73,
    1.64,
    1.48
   ]
  },
  "private_nnpa": {
   "name": "private_nnpa_pct",
   "unit": "pct",
   "group": "Private sector banks",
   "label": "Private sector banks, net NPA ratio (bad loans left after provisions, per cent of net advances), domestic operations",
   "data": [
    0.77,
    0.71,
    0.83,
    0.85,
    0.91,
    0.97,
    0.96,
    0.94,
    1.13,
    1.27,
    1.38,
    1.57,
    1.69,
    1.84,
    1.93,
    2.03,
    1.96,
    1.97,
    1.83,
    1.67,
    1.62,
    1.89,
    1.84,
    1.78,
    1.75,
    1.43,
    1.26,
    1.01,
    0.74,
    1.41,
    1.47,
    1.32,
    1.16,
    0.96,
    0.93,
    0.81,
    0.66,
    0.55,
    0.54,
    0.52,
    0.51,
    0.47,
    0.5,
    0.5,
    0.51,
    0.48,
    0.53,
    0.49,
    0.47,
    0.41
   ]
  },
  "foreign_gnpa": {
   "name": "foreign_gnpa_pct",
   "unit": "pct",
   "group": "Foreign banks",
   "label": "Foreign banks, gross NPA ratio (bad loans, per cent of gross advances), domestic operations",
   "data": [
    3.73,
    3.86,
    3.8,
    3.9,
    3.59,
    3.2,
    3.21,
    3.3,
    3.38,
    4.19,
    3.68,
    4.06,
    4.52,
    3.96,
    3.8,
    3.65,
    4.06,
    3.81,
    3.52,
    3.57,
    3.18,
    2.99,
    2.84,
    2.89,
    2.82,
    2.34,
    2.53,
    2.48,
    2.2,
    2.42,
    3.26,
    3.19,
    3.31,
    2.9,
    2.74,
    2.51,
    2.21,
    1.91,
    1.88,
    1.59,
    1.4,
    1.19,
    1.08,
    0.98,
    0.91,
    0.86,
    0.87,
    0.8,
    0.7,
    0.56
   ]
  },
  "foreign_nnpa": {
   "name": "foreign_nnpa_pct",
   "unit": "pct",
   "group": "Foreign banks",
   "label": "Foreign banks, net NPA ratio (bad loans left after provisions, per cent of net advances), domestic operations",
   "data": [
    1.44,
    1.09,
    0.99,
    0.94,
    0.67,
    0.56,
    0.65,
    0.7,
    0.57,
    0.76,
    0.75,
    0.9,
    1.07,
    0.64,
    0.63,
    0.47,
    0.5,
    0.44,
    0.38,
    0.47,
    0.53,
    0.51,
    0.47,
    0.5,
    0.55,
    0.48,
    0.55,
    0.43,
    0.34,
    0.56,
    0.67,
    0.64,
    0.75,
    0.65,
    0.56,
    0.5,
    0.36,
    0.33,
    0.32,
    0.24,
    0.19,
    0.15,
    0.15,
    0.14,
    0.13,
    0.13,
    0.14,
    0.15,
    0.12,
    0.09
   ]
  },
  "sfb_gnpa": {
   "name": "sfb_gnpa_pct",
   "unit": "pct",
   "group": "Small finance banks",
   "label": "Small finance banks, gross NPA ratio (bad loans, per cent of gross advances), domestic operations",
   "data": [
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    2.2,
    3.07,
    4.29,
    5.15,
    4.25,
    2.53,
    2.37,
    2.27,
    2.24,
    1.83,
    1.9,
    1.95,
    2.08,
    1.87,
    1.81,
    1.69,
    1.4,
    5.35,
    6.56,
    6.3,
    5.92,
    4.94,
    4.64,
    4.07,
    5.64,
    4.6,
    4.35,
    2.57,
    2.58,
    2.43,
    2.73,
    2.97,
    3.43,
    3.59,
    3.99,
    3.99,
    3.58,
    3.09
   ]
  },
  "sfb_nnpa": {
   "name": "sfb_nnpa_pct",
   "unit": "pct",
   "group": "Small finance banks",
   "label": "Small finance banks, net NPA ratio (bad loans left after provisions, per cent of net advances), domestic operations",
   "data": [
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    0.97,
    1.62,
    2.43,
    2.41,
    2.04,
    1.25,
    1.13,
    1.18,
    1.21,
    1.02,
    1.04,
    1.06,
    1.07,
    0.92,
    0.76,
    0.6,
    0.4,
    2.76,
    3.48,
    3.11,
    2.73,
    2.02,
    2,
    1.72,
    1.53,
    0.91,
    0.81,
    0.76,
    0.88,
    0.79,
    0.91,
    1.02,
    1.31,
    1.44,
    1.64,
    1.5,
    1.38,
    1.18
   ]
  }
 }
}