{
 "meta": {
  "dossier": "banks",
  "source": "Reserve Bank of India, DBIE (via the local Data Bank)",
  "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": "annual",
  "unit": "mixed",
  "base": "as on 31 March",
  "latestPeriod": "2026-03",
  "coverage": "Bad loans of urban co-operative banks to March 2026: gross and net NPAs, ratios, provisions and coverage, scheduled, non-scheduled and all",
  "note": "RBI DBIE report 774, the Primary (Urban) Co-operative Banks' Outlook (statistical table), read from the local Data Bank mirror. Each edition prints the previous March as 'Final' and its own March as 'Provisional', both under the edition's date; read accordingly (a March takes the next edition's Final where one exists). Amounts in ₹ crore."
 },
 "dates": [
  "2013-03-01",
  "2014-03-01",
  "2015-03-01",
  "2016-03-01",
  "2017-03-01",
  "2018-03-01",
  "2019-03-01",
  "2020-03-01",
  "2021-03-01",
  "2022-03-01",
  "2023-03-01",
  "2024-03-01",
  "2025-03-01",
  "2026-03-01"
 ],
 "series": {
  "all__provisioning_coverage_ratio": {
   "name": "all__provisioning_coverage_ratio_pct",
   "label": "All UCBs, Provisioning Coverage Ratio (%)",
   "unit": "pct",
   "group": "All UCBs",
   "data": [
    77.3,
    63.94,
    55.77,
    65.94,
    63.7,
    63.37,
    63.45,
    58.98,
    58.91,
    71.33,
    77.11,
    84.6,
    90.15,
    96.16
   ]
  },
  "all__provisioning": {
   "name": "all__provisioning_inr_crore",
   "label": "All UCBs, Provisioning",
   "unit": "inr_crore",
   "group": "All UCBs",
   "data": [
    8400,
    7353,
    7697,
    9868,
    11921,
    12722.91,
    14020.91,
    19004.04,
    22384.82,
    23045.59,
    22520.13,
    21497.28,
    20799.59,
    20965.75
   ]
  },
  "all__net_npa_ratio": {
   "name": "all__net_npa_ratio_pct",
   "label": "All UCBs, Net NPA Ratio (%)",
   "unit": "pct",
   "group": "All UCBs",
   "data": [
    1.4,
    2.17,
    2.84,
    2.17,
    2.72,
    2.75,
    3.34,
    4.62,
    5.76,
    2.94,
    2.17,
    1.2,
    0.65,
    1.03
   ]
  },
  "all__net_npas": {
   "name": "all__net_npas_inr_crore",
   "label": "All UCBs, Net NPAs",
   "unit": "inr_crore",
   "group": "All UCBs",
   "data": [
    2530,
    4146,
    6105,
    5097,
    6793,
    7354.53,
    9659.59,
    13217.47,
    16782.56,
    9261.33,
    6684.01,
    3913.42,
    2272.8,
    3896.1
   ]
  },
  "all__gross_npa_ratio": {
   "name": "all__gross_npa_ratio_pct",
   "label": "All UCBs, Gross NPA Ratio (%)",
   "unit": "pct",
   "group": "All UCBs",
   "data": [
    6,
    5.74,
    6.15,
    6.11,
    7.16,
    7.16,
    7.29,
    10.56,
    12.1,
    10.27,
    8.84,
    7.33,
    6.23,
    5.43
   ]
  },
  "all__gross_npas": {
   "name": "all__gross_npas_inr_crore",
   "label": "All UCBs, Gross NPAs",
   "unit": "inr_crore",
   "group": "All UCBs",
   "data": [
    10900,
    11500,
    13802,
    14966,
    18713,
    20077.44,
    22097.99,
    32221.51,
    37996.21,
    32306.91,
    29204.14,
    25410.7,
    23072.39,
    21803.61
   ]
  },
  "non_scheduled__provisioning_coverage_ratio": {
   "name": "non_scheduled__provisioning_coverage_ratio_pct",
   "label": "Non-scheduled UCBs, Provisioning Coverage Ratio (%)",
   "unit": "pct",
   "group": "Non-scheduled UCBs",
   "data": [
    null,
    null,
    null,
    76.37,
    68.15,
    65.53,
    66.4,
    55.72,
    55.98,
    73.55,
    77.14,
    88.5,
    95.28,
    100.08
   ]
  },
  "non_scheduled__provisioning": {
   "name": "non_scheduled__provisioning_inr_crore",
   "label": "Non-scheduled UCBs, Provisioning",
   "unit": "inr_crore",
   "group": "Non-scheduled UCBs",
   "data": [
    null,
    null,
    null,
    5918,
    6748,
    7464.15,
    8291.76,
    10275.88,
    12848.21,
    15901.91,
    14802.41,
    15034.86,
    14345.82,
    14068.12
   ]
  },
  "non_scheduled__net_npa_ratio": {
   "name": "non_scheduled__net_npa_ratio_pct",
   "label": "Non-scheduled UCBs, Net NPA Ratio (%)",
   "unit": "pct",
   "group": "Non-scheduled UCBs",
   "data": [
    null,
    null,
    null,
    1.52,
    2.52,
    2.88,
    3.98,
    5.31,
    6.99,
    3.32,
    2.67,
    1.13,
    0.39,
    1.21
   ]
  },
  "non_scheduled__net_npas": {
   "name": "non_scheduled__net_npas_inr_crore",
   "label": "Non-scheduled UCBs, Net NPAs",
   "unit": "inr_crore",
   "group": "Non-scheduled UCBs",
   "data": [
    null,
    null,
    null,
    1831,
    3154,
    3926.28,
    5602.11,
    8166.96,
    11036.66,
    5719.38,
    4385.7,
    1953.4,
    711.44,
    2353.25
   ]
  },
  "non_scheduled__gross_npa_ratio": {
   "name": "non_scheduled__gross_npa_ratio_pct",
   "label": "Non-scheduled UCBs, Gross NPA Ratio (%)",
   "unit": "pct",
   "group": "Non-scheduled UCBs",
   "data": [
    null,
    null,
    null,
    6.14,
    7.5,
    7.93,
    7.98,
    11.25,
    13.44,
    12.57,
    10.73,
    9.07,
    7.57,
    6.68
   ]
  },
  "non_scheduled__gross_npas": {
   "name": "non_scheduled__gross_npas_inr_crore",
   "label": "Non-scheduled UCBs, Gross NPAs",
   "unit": "inr_crore",
   "group": "Non-scheduled UCBs",
   "data": [
    null,
    null,
    null,
    7749,
    9901,
    11390.43,
    12488.47,
    18442.83,
    22949.59,
    21621.29,
    19188.11,
    16988.26,
    15057.26,
    14057.46
   ]
  },
  "scheduled__provisioning_coverage_ratio": {
   "name": "scheduled__provisioning_coverage_ratio_pct",
   "label": "Scheduled UCBs, Provisioning Coverage Ratio (%)",
   "unit": "pct",
   "group": "Scheduled UCBs",
   "data": [
    null,
    null,
    null,
    54.74,
    55.91,
    60.54,
    59.62,
    63.35,
    63.38,
    66.85,
    77.05,
    76.73,
    80.52,
    89.05
   ]
  },
  "scheduled__provisioning": {
   "name": "scheduled__provisioning_inr_crore",
   "label": "Scheduled UCBs, Provisioning",
   "unit": "inr_crore",
   "group": "Scheduled UCBs",
   "data": [
    null,
    null,
    null,
    3950,
    5043,
    5258.76,
    5729.15,
    8728.16,
    9536.61,
    7143.68,
    7717.72,
    6462.42,
    6453.77,
    6897.63
   ]
  },
  "scheduled__net_npa_ratio": {
   "name": "scheduled__net_npa_ratio_pct",
   "label": "Scheduled UCBs, Net NPA Ratio (%)",
   "unit": "pct",
   "group": "Scheduled UCBs",
   "data": [
    null,
    null,
    null,
    2.85,
    3.2,
    2.61,
    2.88,
    3.81,
    4.3,
    2.48,
    1.6,
    1.28,
    0.95,
    0.84
   ]
  },
  "scheduled__net_npas": {
   "name": "scheduled__net_npas_inr_crore",
   "label": "Scheduled UCBs, Net NPAs",
   "unit": "inr_crore",
   "group": "Scheduled UCBs",
   "data": [
    null,
    null,
    null,
    3266,
    3977,
    3428.25,
    4057.49,
    5050.52,
    5745.9,
    3541.94,
    2298.32,
    1960.02,
    1561.36,
    1542.85
   ]
  },
  "scheduled__gross_npa_ratio": {
   "name": "scheduled__gross_npa_ratio_pct",
   "label": "Scheduled UCBs, Gross NPA Ratio (%)",
   "unit": "pct",
   "group": "Scheduled UCBs",
   "data": [
    null,
    null,
    null,
    6.08,
    6.98,
    6.35,
    6.56,
    9.76,
    10.51,
    7.49,
    6.6,
    5.28,
    4.68,
    4.06
   ]
  },
  "scheduled__gross_npas": {
   "name": "scheduled__gross_npas_inr_crore",
   "label": "Scheduled UCBs, Gross NPAs",
   "unit": "inr_crore",
   "group": "Scheduled UCBs",
   "data": [
    null,
    null,
    null,
    7216,
    9019,
    8687.01,
    9609.52,
    13778.68,
    15046.62,
    10685.62,
    10016.03,
    8422.44,
    8015.13,
    7746.15
   ]
  }
 }
}