{
 "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": "annual",
  "unit": "mixed",
  "base": "as on 31 March",
  "latestPeriod": "2024-03",
  "coverage": "Bad loans of urban co-operative banks: gross and net NPAs, their ratios, provisions and coverage, scheduled, non-scheduled and all",
  "note": "RBI DBIE report 785, the Primary (Urban) Co-operative Banks' Outlook, via the Reserve Bank Innovation Hub's data service (one grid per edition, as on 31 March; a March printed by two editions takes the later edition's figure). Table 7. The latest March is provisional in its own edition."
 },
 "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"
 ],
 "series": {
  "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
   ]
  },
  "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
   ]
  },
  "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
   ]
  },
  "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
   ]
  },
  "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
   ]
  },
  "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
   ]
  },
  "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
   ]
  },
  "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
   ]
  },
  "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
   ]
  },
  "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
   ]
  },
  "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
   ]
  },
  "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
   ]
  },
  "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
   ]
  },
  "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
   ]
  },
  "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
   ]
  },
  "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
   ]
  },
  "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
   ]
  },
  "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
   ]
  }
 }
}