{
 "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": "Capital, returns and margins of all scheduled commercial banks and each bank group, quarter by quarter, and the public and private banks' share of deposits",
  "note": "A selection from RBI DBIE report 1221 (tables 3 and 5, domestic operations), copied as published from banks-groups-capital and banks-groups-performance; the deposit shares are derived (banks-shares)."
 },
 "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_crar": {
   "name": "all_crar_pct",
   "unit": "pct",
   "group": "All scheduled commercial banks",
   "label": "All scheduled commercial banks, capital adequacy ratio (CRAR, per cent of risk-weighted assets), domestic operations",
   "data": [
    12.7,
    13.02,
    12.66,
    12.77,
    12.61,
    12.94,
    12.67,
    12.67,
    12.91,
    13.32,
    13.43,
    13.43,
    13.58,
    13.66,
    13.9,
    13.88,
    13.8,
    13.83,
    13.63,
    13.66,
    13.98,
    14.31,
    14.06,
    15.02,
    14.91,
    14.74,
    14.88,
    15.81,
    15.94,
    16.3,
    16.4,
    16.53,
    16.31,
    16.77,
    16.23,
    16.02,
    16.08,
    17.16,
    16.88,
    16.74,
    15.83,
    16.84,
    16.78,
    16.72,
    16.43,
    17.36,
    17.54,
    17.21,
    16.87,
    17.68
   ]
  },
  "all_roa": {
   "name": "all_roa_pct",
   "unit": "pct",
   "group": "All scheduled commercial banks",
   "label": "All scheduled commercial banks, return on assets (annualised, per cent), domestic operations",
   "data": [
    0.78,
    0.78,
    0.88,
    0.83,
    0.79,
    0.78,
    0.8,
    0.76,
    0.53,
    0.29,
    0.39,
    0.43,
    0.42,
    0.37,
    0.45,
    0.37,
    0.21,
    -0.19,
    -0.02,
    0,
    0.03,
    -0.13,
    0.48,
    0.37,
    0.2,
    0.11,
    0.61,
    0.7,
    0.71,
    0.7,
    0.76,
    0.81,
    0.86,
    0.91,
    0.9,
    1.03,
    1.09,
    1.15,
    1.3,
    1.3,
    1.26,
    1.31,
    1.35,
    1.39,
    1.36,
    1.36,
    1.3,
    1.32,
    1.32,
    1.33
   ]
  },
  "all_roe": {
   "name": "all_roe_pct",
   "unit": "pct",
   "group": "All scheduled commercial banks",
   "label": "All scheduled commercial banks, return on equity (annualised, per cent), domestic operations",
   "data": [
    9.48,
    9.55,
    10.71,
    9.94,
    9.38,
    9.34,
    9.68,
    9,
    6.25,
    3.35,
    4.57,
    4.95,
    4.88,
    4.28,
    5.27,
    4.23,
    2.41,
    -2.19,
    -0.21,
    0.03,
    0.37,
    -1.55,
    5.29,
    4.09,
    2.19,
    1.21,
    7.01,
    7.98,
    8.05,
    7.88,
    8.41,
    8.84,
    9.36,
    9.91,
    9.77,
    10.73,
    11.14,
    11.64,
    4.8,
    13.66,
    13.17,
    13.63,
    13.67,
    13.99,
    13.56,
    13.51,
    12.44,
    12.5,
    12.46,
    12.53
   ]
  },
  "all_nim": {
   "name": "all_nim_pct",
   "unit": "pct",
   "group": "All scheduled commercial banks",
   "label": "All scheduled commercial banks, net interest margin (annualised, per cent), domestic operations",
   "data": [
    3.26,
    3.27,
    3.2,
    3.21,
    3.21,
    3.21,
    3.19,
    3.15,
    3.21,
    3.22,
    3.09,
    3.26,
    3.17,
    3.18,
    3.02,
    3.06,
    3.09,
    3.08,
    3.26,
    3.22,
    3.24,
    3.25,
    3.27,
    3.29,
    3.41,
    3.4,
    3.37,
    3.49,
    3.48,
    3.41,
    3.38,
    3.41,
    3.44,
    3.44,
    3.48,
    3.61,
    3.73,
    3.8,
    3.88,
    3.79,
    3.75,
    3.74,
    3.64,
    3.63,
    3.61,
    3.58,
    3.38,
    3.39,
    3.4,
    3.39
   ]
  },
  "psb_crar": {
   "name": "psb_crar_pct",
   "unit": "pct",
   "group": "Public sector banks",
   "label": "Public sector banks, capital adequacy ratio (CRAR, per cent of risk-weighted assets), domestic operations",
   "data": [
    11.16,
    11.39,
    11.19,
    11.32,
    11.26,
    11.45,
    11.28,
    11.41,
    11.56,
    11.82,
    12.09,
    12.23,
    12.18,
    12.14,
    12.19,
    12.17,
    11.77,
    11.66,
    11.44,
    11.32,
    11.91,
    12.2,
    12.25,
    13.52,
    13.44,
    12.85,
    12.83,
    13.51,
    13.75,
    14.04,
    14.27,
    14.4,
    14.34,
    14.62,
    14.39,
    14.53,
    14.45,
    15.53,
    15.35,
    15.18,
    14.29,
    15.53,
    15.38,
    15.38,
    14.83,
    16.1,
    16.36,
    15.96,
    15.4,
    16.59
   ]
  },
  "psb_roa": {
   "name": "psb_roa_pct",
   "unit": "pct",
   "group": "Public sector banks",
   "label": "Public sector banks, return on assets (annualised, per cent), domestic operations",
   "data": [
    0.45,
    0.48,
    0.56,
    0.5,
    0.44,
    0.43,
    0.45,
    0.37,
    0.03,
    -0.27,
    -0.11,
    -0.09,
    -0.08,
    -0.16,
    -0.03,
    -0.13,
    -0.36,
    -0.94,
    -0.68,
    -0.66,
    -0.63,
    -0.77,
    0.12,
    0.03,
    -0.03,
    -0.29,
    0.19,
    0.26,
    0.28,
    0.29,
    0.48,
    0.52,
    0.54,
    0.55,
    0.5,
    0.63,
    0.67,
    0.75,
    0.89,
    0.87,
    0.81,
    0.89,
    0.96,
    1.03,
    1.04,
    1.07,
    1,
    1.05,
    1.08,
    1.08
   ]
  },
  "psb_roe": {
   "name": "psb_roe_pct",
   "unit": "pct",
   "group": "Public sector banks",
   "label": "Public sector banks, return on equity (annualised, per cent), domestic operations",
   "data": [
    6.94,
    7.29,
    8.51,
    7.57,
    6.56,
    6.43,
    6.89,
    5.65,
    0.52,
    -4.03,
    -1.66,
    -1.39,
    -1.11,
    -2.33,
    -0.47,
    -1.99,
    -5.44,
    -14.24,
    -10.54,
    -10.28,
    -9.96,
    -12.11,
    1.77,
    0.43,
    -0.46,
    -4.23,
    3.01,
    4.13,
    4.43,
    4.62,
    7.5,
    8.01,
    8.3,
    8.33,
    7.57,
    9.44,
    10.03,
    11.18,
    13.2,
    12.77,
    11.81,
    12.82,
    13.5,
    14.31,
    14.22,
    14.46,
    12.98,
    13.38,
    13.71,
    13.63
   ]
  },
  "psb_nim": {
   "name": "psb_nim_pct",
   "unit": "pct",
   "group": "Public sector banks",
   "label": "Public sector banks, net interest margin (annualised, per cent), domestic operations",
   "data": [
    2.94,
    2.96,
    2.85,
    2.85,
    2.85,
    2.84,
    2.79,
    2.79,
    2.78,
    2.78,
    2.64,
    2.84,
    2.72,
    2.73,
    2.48,
    2.55,
    2.57,
    2.56,
    2.87,
    2.78,
    2.79,
    2.74,
    2.76,
    2.82,
    2.9,
    2.85,
    2.8,
    3,
    2.98,
    2.88,
    2.85,
    2.89,
    2.92,
    2.91,
    2.91,
    3.04,
    3.15,
    3.23,
    3.24,
    3.21,
    3.17,
    3.18,
    3.09,
    3.08,
    3.05,
    3.04,
    2.85,
    2.86,
    2.87,
    2.85
   ]
  },
  "private_crar": {
   "name": "private_crar_pct",
   "unit": "pct",
   "group": "Private sector banks",
   "label": "Private sector banks, capital adequacy ratio (CRAR, per cent of risk-weighted assets), domestic operations",
   "data": [
    15.34,
    16.09,
    15.64,
    15.37,
    14.99,
    15.73,
    15.09,
    15,
    15.09,
    15.68,
    15.41,
    15.11,
    15.5,
    15.53,
    16.34,
    16.06,
    16.44,
    16.43,
    16.18,
    16.49,
    16.23,
    16.07,
    15.65,
    16.28,
    16.24,
    16.55,
    16.87,
    18.21,
    18.07,
    18.42,
    18.56,
    18.65,
    18.18,
    18.78,
    17.85,
    17.19,
    17.38,
    18.61,
    18.05,
    18.01,
    16.86,
    17.79,
    17.92,
    17.82,
    17.78,
    18.29,
    18.36,
    18.07,
    18.01,
    18.48
   ]
  },
  "private_roa": {
   "name": "private_roa_pct",
   "unit": "pct",
   "group": "Private sector banks",
   "label": "Private sector banks, return on assets (annualised, per cent), domestic operations",
   "data": [
    1.58,
    1.59,
    1.64,
    1.61,
    1.66,
    1.65,
    1.72,
    1.69,
    1.75,
    1.64,
    1.48,
    1.49,
    1.45,
    1.45,
    1.43,
    1.37,
    1.37,
    1.27,
    1.17,
    1.17,
    1.15,
    0.82,
    0.88,
    0.69,
    0.3,
    0.51,
    1.12,
    1.23,
    1.29,
    1.22,
    1.17,
    1.19,
    1.32,
    1.44,
    1.62,
    1.68,
    1.72,
    1.6,
    1.81,
    1.83,
    1.82,
    1.84,
    1.86,
    1.86,
    1.79,
    1.75,
    1.65,
    1.64,
    1.63,
    1.65
   ]
  },
  "private_roe": {
   "name": "private_roe_pct",
   "unit": "pct",
   "group": "Private sector banks",
   "label": "Private sector banks, return on equity (annualised, per cent), domestic operations",
   "data": [
    14.34,
    14.39,
    14.95,
    14.35,
    14.66,
    14.49,
    15.29,
    14.73,
    15.1,
    14.12,
    12.94,
    13.05,
    12.81,
    12.76,
    12.5,
    11.92,
    11.92,
    11.08,
    10.68,
    10.52,
    10.3,
    7.18,
    7.62,
    6.05,
    2.63,
    4.47,
    10.22,
    10.88,
    11.22,
    10.5,
    9.81,
    9.98,
    11.08,
    12.08,
    13.73,
    12.99,
    12.84,
    11.75,
    2.97,
    15.36,
    15.19,
    15.26,
    15.02,
    14.87,
    14.27,
    13.87,
    12.7,
    12.56,
    12.42,
    12.57
   ]
  },
  "private_nim": {
   "name": "private_nim_pct",
   "unit": "pct",
   "group": "Private sector banks",
   "label": "Private sector banks, net interest margin (annualised, per cent), domestic operations",
   "data": [
    3.91,
    3.91,
    3.95,
    4,
    4,
    4.01,
    4.12,
    3.92,
    4.18,
    4.21,
    4.1,
    4.06,
    4.01,
    4.03,
    4,
    4,
    4.02,
    4,
    3.88,
    3.9,
    3.96,
    4.09,
    4.01,
    3.92,
    4.06,
    4.1,
    4.08,
    4.06,
    4.07,
    4.07,
    4.08,
    4.07,
    4.11,
    4.12,
    4.2,
    4.33,
    4.45,
    4.5,
    4.68,
    4.44,
    4.36,
    4.33,
    4.18,
    4.18,
    4.16,
    4.13,
    3.94,
    3.93,
    3.94,
    3.93
   ]
  },
  "foreign_crar": {
   "name": "foreign_crar_pct",
   "unit": "pct",
   "group": "Foreign banks",
   "label": "Foreign banks, capital adequacy ratio (CRAR, per cent of risk-weighted assets), domestic operations",
   "data": [
    17.75,
    18.21,
    16.2,
    16.68,
    16.24,
    16.52,
    16.29,
    15.96,
    16.7,
    17.08,
    16.89,
    16.78,
    17.85,
    18.71,
    17.93,
    18.54,
    19.12,
    19.07,
    18.02,
    17.44,
    18.01,
    19.4,
    17.53,
    18.2,
    17.63,
    17.69,
    18.2,
    18.67,
    18.77,
    19.47,
    18.59,
    18.87,
    18.89,
    19.81,
    18.8,
    18,
    18.37,
    18.91,
    19.29,
    18.71,
    19.05,
    18.92,
    18.74,
    18.16,
    18.12,
    19.24,
    19.5,
    19.26,
    18.75,
    19.4
   ]
  },
  "foreign_roa": {
   "name": "foreign_roa_pct",
   "unit": "pct",
   "group": "Foreign banks",
   "label": "Foreign banks, return on assets (annualised, per cent), domestic operations",
   "data": [
    1.73,
    1.54,
    1.89,
    1.83,
    1.75,
    1.81,
    1.68,
    1.8,
    1.69,
    1.43,
    1.51,
    1.76,
    1.57,
    1.65,
    1.57,
    1.47,
    1.31,
    1.33,
    1.22,
    1.21,
    1.45,
    1.55,
    1.55,
    1.69,
    1.59,
    1.52,
    1.58,
    1.78,
    1.51,
    1.6,
    1.3,
    1.49,
    1.35,
    1.42,
    0.45,
    0.98,
    1.25,
    2.03,
    1.82,
    1.68,
    1.65,
    1.67,
    1.47,
    1.66,
    1.57,
    1.63,
    1.86,
    1.79,
    1.6,
    1.57
   ]
  },
  "foreign_roe": {
   "name": "foreign_roe_pct",
   "unit": "pct",
   "group": "Foreign banks",
   "label": "Foreign banks, return on equity (annualised, per cent), domestic operations",
   "data": [
    10.11,
    9.06,
    11.27,
    10.62,
    9.98,
    10.31,
    9.48,
    10.11,
    9.47,
    8.12,
    8.73,
    10.26,
    9.01,
    9.34,
    8.54,
    8,
    7.09,
    7.19,
    6.78,
    6.93,
    8.41,
    9,
    9.24,
    9.92,
    9.23,
    8.89,
    9.75,
    10.68,
    8.97,
    9.43,
    7.5,
    8.51,
    7.67,
    8.05,
    2.7,
    5.91,
    7.6,
    12.25,
    10.37,
    9.63,
    9.33,
    9.43,
    8.42,
    9.53,
    8.94,
    9.43,
    10.85,
    10.32,
    9.24,
    9.24
   ]
  },
  "foreign_nim": {
   "name": "foreign_nim_pct",
   "unit": "pct",
   "group": "Foreign banks",
   "label": "Foreign banks, net interest margin (annualised, per cent), domestic operations",
   "data": [
    4.76,
    4.68,
    4.69,
    4.65,
    4.64,
    4.57,
    4.44,
    4.44,
    4.51,
    4.45,
    3.93,
    4.23,
    4.29,
    4.25,
    4.3,
    4.26,
    4.28,
    4.25,
    4.15,
    4.13,
    4.14,
    3.99,
    4.01,
    4.15,
    4.28,
    4.3,
    4.42,
    4.41,
    4.33,
    4.22,
    3.85,
    3.98,
    3.95,
    3.96,
    3.79,
    3.98,
    4.11,
    4.15,
    4.18,
    4.25,
    4.28,
    4.28,
    4.19,
    4.05,
    4.14,
    4.07,
    3.79,
    3.87,
    3.9,
    3.86
   ]
  },
  "sfb_crar": {
   "name": "sfb_crar_pct",
   "unit": "pct",
   "group": "Small finance banks",
   "label": "Small finance banks, capital adequacy ratio (CRAR, per cent of risk-weighted assets), domestic operations",
   "data": [
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    19.61,
    22.11,
    22.28,
    19.9,
    18.1,
    null,
    19.27,
    22.07,
    21.32,
    21.35,
    20.39,
    20.68,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null
   ],
   "gaps": [
    "2022-03-01"
   ],
   "gapsNote": "The RBI's table prints no figure for this bank and item in these quarters."
  },
  "sfb_roa": {
   "name": "sfb_roa_pct",
   "unit": "pct",
   "group": "Small finance banks",
   "label": "Small finance banks, return on assets (annualised, per cent), domestic operations",
   "data": [
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    1.54,
    1.17,
    0.67,
    -0.81,
    0.57,
    1.16,
    1.61,
    1.7,
    1.65,
    1.61,
    2.37,
    2.19,
    2.07,
    1.79,
    1.64,
    1.85,
    1.73,
    1.39,
    -0.2,
    -0.12,
    0.17,
    0.55,
    1.41,
    1.52,
    1.71,
    1.82,
    2.13,
    2.2,
    2.1,
    2.11,
    1.58,
    1.35,
    1.04,
    0.97,
    0.2,
    0.36,
    0.46,
    0.69
   ]
  },
  "sfb_roe": {
   "name": "sfb_roe_pct",
   "unit": "pct",
   "group": "Small finance banks",
   "label": "Small finance banks, return on equity (annualised, per cent), domestic operations",
   "data": [
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    8.06,
    5.7,
    3.68,
    -4.55,
    3.19,
    7.11,
    11.58,
    12.24,
    12.01,
    12.06,
    19.76,
    17.78,
    16.13,
    13.31,
    11.77,
    14.13,
    13.48,
    11.04,
    -1.63,
    -0.95,
    1.36,
    4.64,
    12.84,
    13.23,
    14.58,
    15.34,
    17.78,
    18.4,
    17.6,
    17.56,
    12.9,
    11.16,
    8.64,
    8.17,
    1.85,
    3.28,
    4.17,
    6.38
   ]
  },
  "sfb_nim": {
   "name": "sfb_nim_pct",
   "unit": "pct",
   "group": "Small finance banks",
   "label": "Small finance banks, net interest margin (annualised, per cent), domestic operations",
   "data": [
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    6.38,
    7.39,
    7.91,
    15.95,
    9.6,
    13.58,
    7.92,
    7.91,
    8.02,
    8,
    7.69,
    7.79,
    8.78,
    8.78,
    8.03,
    7.97,
    7.9,
    7.55,
    7.3,
    7.35,
    7.49,
    7.63,
    8.07,
    8.14,
    8.15,
    8.25,
    8.25,
    8.16,
    8.12,
    8.08,
    7.97,
    7.8,
    7.52,
    7.3,
    6.23,
    6.23,
    6.34,
    6.44
   ]
  },
  "psb_deposit_share": {
   "name": "psb_deposit_share_pct",
   "unit": "pct",
   "group": "Public sector banks",
   "label": "Public sector banks, share of all banks' deposits in India (derived)",
   "data": [
    76.02,
    76.1,
    75.73,
    75.7,
    75.27,
    74.9,
    74.5,
    75.12,
    73.5,
    72.82,
    72.18,
    71.62,
    72.78,
    71.42,
    71.1,
    70.77,
    70.35,
    68.87,
    68.74,
    68.27,
    67.4,
    64.79,
    64.58,
    64.46,
    64.18,
    63.79,
    63.92,
    63.59,
    63.19,
    62.67,
    62.61,
    62.15,
    61.77,
    61.54,
    61.19,
    61.16,
    60.81,
    60.42,
    59.77,
    59.23,
    58.91,
    58.21,
    57.99,
    57.84,
    57.89,
    57.59,
    57.39,
    57.61,
    57.54,
    57.03
   ]
  },
  "private_deposit_share": {
   "name": "private_deposit_share_pct",
   "unit": "pct",
   "group": "Private sector banks",
   "label": "Private sector banks, share of all banks' deposits in India (derived)",
   "data": [
    19.31,
    19.49,
    19.66,
    19.86,
    20.17,
    20.51,
    20.78,
    20.06,
    21.71,
    22.35,
    22.87,
    23.24,
    23,
    24.13,
    24.31,
    24.72,
    25.12,
    26.55,
    26.59,
    26.89,
    27.6,
    30.18,
    30.31,
    30.49,
    30.55,
    30.56,
    30.44,
    30.76,
    31.21,
    31.62,
    31.6,
    31.91,
    32.34,
    32.53,
    32.72,
    32.75,
    33.24,
    33.89,
    34.35,
    34.82,
    35.18,
    35.78,
    35.71,
    35.87,
    35.93,
    36.27,
    36.09,
    35.97,
    36.21,
    36.64
   ]
  }
 }
}