{ "meta": { "latestPeriod": "2025-03-01", "dossier": "credit-health", "source": "Reserve Bank of India (via DBIE)", "mock": false, "geo": "IND", "releaseDate": null, "revisionPolicy": "Section 42 figures are provisional, then final; sectoral credit is provisional and revised the next month; NPAs and capital ratios are final on release. Seams disclosed, never joined: the 2019 sectoral classification, the July 2023 HDFC merger, the December 2025 reporting calendar.", "vintage": "2026-10-09", "frequency": "annual", "base": "RBI bank groups, as on 31 March", "unit": "count", "coverage": "How many banks hold enough capital: banks counted by capital adequacy ratio band, all banks and by bank group, every March since 1996", "note": "RBI DBIE report 329 (Distribution of Scheduled Commercial Banks by CRAR), number of banks, as published. The bands change over time (4/8/10 per cent to 1999; 4/9/10 to 2007; 9/10 per cent after), so each band is its own series. The count below the 9% minimum is derived for 2000 to 2007 by adding two published bands." }, "dates": [ "1996-03-01", "1997-03-01", "1998-03-01", "1999-03-01", "2000-03-01", "2001-03-01", "2002-03-01", "2003-03-01", "2004-03-01", "2005-03-01", "2006-03-01", "2007-03-01", "2008-03-01", "2009-03-01", "2010-03-01", "2011-03-01", "2012-03-01", "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" ], "series": { "all_below_4": { "name": "all_below_4_banks", "label": "All scheduled commercial banks: number of banks with capital adequacy below 4 per cent of risk-weighted assets", "data": [ 8, 5, 3, 4, 3, 3, 1, 2, 1, 1, 3, 1, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null ], "unit": "count" }, "all_between_4_8": { "name": "all_between_4_8_banks", "label": "All scheduled commercial banks: number of banks with capital adequacy between 4-8 per cent of risk-weighted assets", "data": [ 9, 1, 2, 2, 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 ], "unit": "count" }, "all_between_4_9": { "name": "all_between_4_9_banks", "label": "All scheduled commercial banks: number of banks with capital adequacy between 4-9 per cent of risk-weighted assets", "data": [ null, null, null, null, 2, 2, 2, 0, 1, 1, 0, 0, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null ], "unit": "count" }, "all_between_8_10": { "name": "all_between_8_10_banks", "label": "All scheduled commercial banks: number of banks with capital adequacy between 8-10 per cent of risk-weighted assets", "data": [ 33, 30, 27, 23, 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 ], "unit": "count" }, "all_between_9_10": { "name": "all_between_9_10_banks", "label": "All scheduled commercial banks: number of banks with capital adequacy between 9-10 per cent of risk-weighted assets", "data": [ null, null, null, null, 12, 11, 7, 3, 1, 8, 4, 2, 2, 0, 0, 0, 1, 0, 4, 1, 2, 1, 6, 2, 0, 0, 0, 0, 0, 0 ], "unit": "count" }, "all_above_10": { "name": "all_above_10_banks", "label": "All scheduled commercial banks: number of banks with capital adequacy above 10 per cent of risk-weighted assets", "data": [ 42, 64, 71, 76, 84, 84, 81, 88, 87, 78, 78, null, 74, 79, 80, 81, 85, 85, 82, 90, 90, 91, 80, 83, 83, 78, 78, 77, 78, 77 ], "gaps": [ "2007-03-01" ], "gapsNote": "This band was not used in this year.", "unit": "count" }, "all_between_10_12": { "name": "all_between_10_12_banks", "label": "All scheduled commercial banks: number of banks with capital adequacy between 10-12 per cent of risk-weighted assets", "data": [ null, null, null, null, null, null, null, null, null, null, null, 27, 21, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null ], "unit": "count" }, "all_12_and_above": { "name": "all_12_and_above_banks", "label": "All scheduled commercial banks: number of banks with capital adequacy 12 per cent of risk-weighted assets and above", "data": [ null, null, null, null, null, null, null, null, null, null, null, 52, 56, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null ], "unit": "count" }, "all_below_9": { "name": "all_below_9_banks", "label": "All scheduled commercial banks: number of banks with capital adequacy below 9 per cent of risk-weighted assets", "data": [ null, null, null, null, null, null, null, null, null, null, null, null, 0, 0, 1, 0, 0, 0, 1, 0, 1, 0, 1, 2, 3, 0, 0, 0, 0, 0 ], "unit": "count" }, "private_new_below_4": { "name": "private_new_below_4_banks", "label": "New private sector banks: number of banks with capital adequacy below 4 per cent of risk-weighted assets", "data": [ 0, 0, 0, 0, 0, 0, 0, 2, 1, 0, 0, 0, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null ], "unit": "count" }, "private_new_between_4_8": { "name": "private_new_between_4_8_banks", "label": "New private sector banks: number of banks with capital adequacy between 4-8 per cent of risk-weighted assets", "data": [ 0, 0, 0, 0, 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 ], "unit": "count" }, "private_new_between_4_9": { "name": "private_new_between_4_9_banks", "label": "New private sector banks: number of banks with capital adequacy between 4-9 per cent of risk-weighted assets", "data": [ null, null, null, null, 0, 0, 1, 0, 1, 0, 0, 0, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null ], "unit": "count" }, "private_new_between_8_10": { "name": "private_new_between_8_10_banks", "label": "New private sector banks: number of banks with capital adequacy between 8-10 per cent of risk-weighted assets", "data": [ 1, 0, 2, 2, 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 ], "unit": "count" }, "private_new_between_9_10": { "name": "private_new_between_9_10_banks", "label": "New private sector banks: number of banks with capital adequacy between 9-10 per cent of risk-weighted assets", "data": [ null, null, null, null, 1, 1, 1, 1, 0, 2, 1, 0, 0, 0, 0, 0, 0, 0, 0, 1, 0, 0, 2, 0, 0, 0, 0, 0, 0, 0 ], "unit": "count" }, "private_new_above_10": { "name": "private_new_above_10_banks", "label": "New private sector banks: number of banks with capital adequacy above 10 per cent of risk-weighted assets", "data": [ 8, 9, 7, 7, 7, 7, 6, 6, 8, 7, 7, null, 8, 7, 7, 7, 7, 7, 19, 19, 20, 21, 19, 21, 20, 21, 21, 21, 21, 21 ], "gaps": [ "2007-03-01" ], "gapsNote": "This band was not used in this year.", "unit": "count" }, "private_new_between_10_12": { "name": "private_new_between_10_12_banks", "label": "New private sector banks: number of banks with capital adequacy between 10-12 per cent of risk-weighted assets", "data": [ null, null, null, null, null, null, null, null, null, null, null, 4, 2, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null ], "unit": "count" }, "private_new_12_and_above": { "name": "private_new_12_and_above_banks", "label": "New private sector banks: number of banks with capital adequacy 12 per cent of risk-weighted assets and above", "data": [ null, null, null, null, null, null, null, null, null, null, null, 4, 6, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null ], "unit": "count" }, "private_new_below_9": { "name": "private_new_below_9_banks", "label": "New private sector banks: number of banks with capital adequacy below 9 per cent of risk-weighted assets", "data": [ null, null, null, null, null, null, null, null, null, null, null, null, 0, 0, 0, 0, 0, 0, 1, 0, 1, 0, 0, 1, 2, 0, 0, 0, 0, 0 ], "unit": "count" }, "foreign_below_4": { "name": "foreign_below_4_banks", "label": "Foreign banks: number of banks with capital adequacy below 4 per cent of risk-weighted assets", "data": [ 0, 0, 0, 1, 0, 0, 0, 0, 0, 0, 0, 0, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null ], "unit": "count" }, "foreign_between_4_8": { "name": "foreign_between_4_8_banks", "label": "Foreign banks: number of banks with capital adequacy between 4-8 per cent of risk-weighted assets", "data": [ 3, 0, 0, 0, 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 ], "unit": "count" }, "foreign_between_4_9": { "name": "foreign_between_4_9_banks", "label": "Foreign banks: number of banks with capital adequacy between 4-9 per cent of risk-weighted assets", "data": [ null, null, null, null, 0, 0, 0, 0, 0, 0, 0, 0, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null ], "unit": "count" }, "foreign_between_8_10": { "name": "foreign_between_8_10_banks", "label": "Foreign banks: number of banks with capital adequacy between 8-10 per cent of risk-weighted assets", "data": [ 12, 13, 12, 14, 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 ], "unit": "count" }, "foreign_between_9_10": { "name": "foreign_between_9_10_banks", "label": "Foreign banks: number of banks with capital adequacy between 9-10 per cent of risk-weighted assets", "data": [ null, null, null, null, 5, 4, 2, 0, 0, 1, 2, 0, 1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0 ], "unit": "count" }, "foreign_above_10": { "name": "foreign_above_10_banks", "label": "Foreign banks: number of banks with capital adequacy above 10 per cent of risk-weighted assets", "data": [ 16, 26, 30, 29, 37, 38, 33, 36, 33, 30, 27, null, 27, 30, 32, 34, 40, 42, 43, 44, 45, 44, 45, 45, 46, 45, 45, 44, 45, 44 ], "gaps": [ "2007-03-01" ], "gapsNote": "This band was not used in this year.", "unit": "count" }, "foreign_between_10_12": { "name": "foreign_between_10_12_banks", "label": "Foreign banks: number of banks with capital adequacy between 10-12 per cent of risk-weighted assets", "data": [ null, null, null, null, null, null, null, null, null, null, null, 7, 3, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null ], "unit": "count" }, "foreign_12_and_above": { "name": "foreign_12_and_above_banks", "label": "Foreign banks: number of banks with capital adequacy 12 per cent of risk-weighted assets and above", "data": [ null, null, null, null, null, null, null, null, null, null, null, 22, 24, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null ], "unit": "count" }, "foreign_below_9": { "name": "foreign_below_9_banks", "label": "Foreign banks: number of banks with capital adequacy below 9 per cent of risk-weighted assets", "data": [ null, null, null, null, null, null, null, null, null, null, null, null, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0 ], "unit": "count" }, "nationalised_below_4": { "name": "nationalised_below_4_banks", "label": "Nationalised banks: number of banks with capital adequacy below 4 per cent of risk-weighted assets", "data": [ 5, 2, 1, 1, 1, 1, 1, 0, 0, 0, 0, 0, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null ], "unit": "count" }, "nationalised_between_4_8": { "name": "nationalised_between_4_8_banks", "label": "Nationalised banks: number of banks with capital adequacy between 4-8 per cent of risk-weighted assets", "data": [ 3, 0, 0, 0, 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 ], "unit": "count" }, "nationalised_between_4_9": { "name": "nationalised_between_4_9_banks", "label": "Nationalised banks: number of banks with capital adequacy between 4-9 per cent of risk-weighted assets", "data": [ null, null, null, null, 0, 1, 1, 0, 0, 0, 0, 0, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null ], "unit": "count" }, "nationalised_between_8_10": { "name": "nationalised_between_8_10_banks", "label": "Nationalised banks: number of banks with capital adequacy between 8-10 per cent of risk-weighted assets", "data": [ 7, 6, 6, 4, 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 ], "unit": "count" }, "nationalised_between_9_10": { "name": "nationalised_between_9_10_banks", "label": "Nationalised banks: number of banks with capital adequacy between 9-10 per cent of risk-weighted assets", "data": [ null, null, null, null, 4, 2, 2, 1, 1, 2, 0, 0, 0, 0, 0, 0, 0, 0, 4, 0, 2, 0, 4, 2, 0, 0, 0, 0, 0, 0 ], "unit": "count" }, "nationalised_above_10": { "name": "nationalised_above_10_banks", "label": "Nationalised banks: number of banks with capital adequacy above 10 per cent of risk-weighted assets", "data": [ 4, 11, 12, 14, 14, 15, 15, 18, 18, 17, 19, null, 20, 20, 20, 20, 20, 20, 17, 21, 19, 21, 16, 17, 17, 12, 12, 12, 12, 12 ], "gaps": [ "2007-03-01" ], "gapsNote": "This band was not used in this year.", "unit": "count" }, "nationalised_between_10_12": { "name": "nationalised_between_10_12_banks", "label": "Nationalised banks: number of banks with capital adequacy between 10-12 per cent of risk-weighted assets", "data": [ null, null, null, null, null, null, null, null, null, null, null, 8, 11, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null ], "unit": "count" }, "nationalised_12_and_above": { "name": "nationalised_12_and_above_banks", "label": "Nationalised banks: number of banks with capital adequacy 12 per cent of risk-weighted assets and above", "data": [ null, null, null, null, null, null, null, null, null, null, null, 12, 9, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null ], "unit": "count" }, "nationalised_below_9": { "name": "nationalised_below_9_banks", "label": "Nationalised banks: number of banks with capital adequacy below 9 per cent of risk-weighted assets", "data": [ null, null, null, null, null, null, null, null, null, null, null, null, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 1, 1, 1, 0, 0, 0, 0, 0 ], "unit": "count" }, "sbi_group_below_4": { "name": "sbi_group_below_4_banks", "label": "SBI and its associates: number of banks with capital adequacy below 4 per cent of risk-weighted assets", "data": [ 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null ], "unit": "count" }, "sbi_group_between_4_8": { "name": "sbi_group_between_4_8_banks", "label": "SBI and its associates: number of banks with capital adequacy between 4-8 per cent of risk-weighted assets", "data": [ 0, 0, 0, 0, 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 ], "unit": "count" }, "sbi_group_between_4_9": { "name": "sbi_group_between_4_9_banks", "label": "SBI and its associates: number of banks with capital adequacy between 4-9 per cent of risk-weighted assets", "data": [ null, null, null, null, 0, 0, 0, 0, 0, 0, 0, 0, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null ], "unit": "count" }, "sbi_group_between_8_10": { "name": "sbi_group_between_8_10_banks", "label": "SBI and its associates: number of banks with capital adequacy between 8-10 per cent of risk-weighted assets", "data": [ 6, 3, 1, 0, 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 ], "unit": "count" }, "sbi_group_between_9_10": { "name": "sbi_group_between_9_10_banks", "label": "SBI and its associates: number of banks with capital adequacy between 9-10 per cent of risk-weighted assets", "data": [ null, null, null, null, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 1, null, null, null, null, null, null, null, null ], "unit": "count" }, "sbi_group_above_10": { "name": "sbi_group_above_10_banks", "label": "SBI and its associates: number of banks with capital adequacy above 10 per cent of risk-weighted assets", "data": [ 2, 5, 7, 8, 8, 8, 8, 8, 8, 8, 8, null, 5, 7, 7, 6, 6, 3, 3, 6, 6, 5, null, null, null, null, null, null, null, null ], "gaps": [ "2007-03-01" ], "gapsNote": "This band was not used in this year.", "unit": "count" }, "sbi_group_between_10_12": { "name": "sbi_group_between_10_12_banks", "label": "SBI and its associates: number of banks with capital adequacy between 10-12 per cent of risk-weighted assets", "data": [ null, null, null, null, null, null, null, null, null, null, null, 3, 2, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null ], "unit": "count" }, "sbi_group_12_and_above": { "name": "sbi_group_12_and_above_banks", "label": "SBI and its associates: number of banks with capital adequacy 12 per cent of risk-weighted assets and above", "data": [ null, null, null, null, null, null, null, null, null, null, null, 5, 6, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null ], "unit": "count" }, "sbi_group_below_9": { "name": "sbi_group_below_9_banks", "label": "SBI and its associates: number of banks with capital adequacy below 9 per cent of risk-weighted assets", "data": [ null, null, null, null, null, null, null, null, null, null, null, null, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, null, null, null, null, null, null, null, null ], "unit": "count" }, "private_old_below_4": { "name": "private_old_below_4_banks", "label": "Old private sector banks: number of banks with capital adequacy below 4 per cent of risk-weighted assets", "data": [ 3, 3, 2, 2, 2, 2, 0, 0, 0, 1, 3, 1, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null ], "unit": "count" }, "private_old_between_4_8": { "name": "private_old_between_4_8_banks", "label": "Old private sector banks: number of banks with capital adequacy between 4-8 per cent of risk-weighted assets", "data": [ 3, 1, 2, 2, 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 ], "unit": "count" }, "private_old_between_4_9": { "name": "private_old_between_4_9_banks", "label": "Old private sector banks: number of banks with capital adequacy between 4-9 per cent of risk-weighted assets", "data": [ null, null, null, null, 2, 1, 0, 0, 0, 1, 0, 0, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null ], "unit": "count" }, "private_old_between_8_10": { "name": "private_old_between_8_10_banks", "label": "Old private sector banks: number of banks with capital adequacy between 8-10 per cent of risk-weighted assets", "data": [ 7, 8, 6, 3, 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 ], "unit": "count" }, "private_old_between_9_10": { "name": "private_old_between_9_10_banks", "label": "Old private sector banks: number of banks with capital adequacy between 9-10 per cent of risk-weighted assets", "data": [ null, null, null, null, 2, 4, 2, 1, 0, 3, 1, 2, 1, 0, 0, 0, 1, 0, null, null, null, null, null, null, null, null, null, null, null, null ], "unit": "count" }, "private_old_above_10": { "name": "private_old_above_10_banks", "label": "Old private sector banks: number of banks with capital adequacy above 10 per cent of risk-weighted assets", "data": [ 12, 13, 15, 18, 18, 16, 19, 20, 20, 15, 16, null, 14, 15, 14, 14, 12, 13, null, null, null, null, null, null, null, null, null, null, null, null ], "gaps": [ "2007-03-01" ], "gapsNote": "This band was not used in this year.", "unit": "count" }, "private_old_between_10_12": { "name": "private_old_between_10_12_banks", "label": "Old private sector banks: number of banks with capital adequacy between 10-12 per cent of risk-weighted assets", "data": [ null, null, null, null, null, null, null, null, null, null, null, 5, 3, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null ], "unit": "count" }, "private_old_12_and_above": { "name": "private_old_12_and_above_banks", "label": "Old private sector banks: number of banks with capital adequacy 12 per cent of risk-weighted assets and above", "data": [ null, null, null, null, null, null, null, null, null, null, null, 9, 11, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null ], "unit": "count" }, "private_old_below_9": { "name": "private_old_below_9_banks", "label": "Old private sector banks: number of banks with capital adequacy below 9 per cent of risk-weighted assets", "data": [ null, null, null, null, null, null, null, null, null, null, null, null, 0, 0, 1, 0, 0, 0, null, null, null, null, null, null, null, null, null, null, null, null ], "unit": "count" }, "public_below_4": { "name": "public_below_4_banks", "label": "Public sector banks: number of banks with capital adequacy below 4 per cent of risk-weighted assets", "data": [ null, null, null, null, null, null, null, null, null, 0, 0, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null ], "unit": "count" }, "public_between_4_9": { "name": "public_between_4_9_banks", "label": "Public sector banks: number of banks with capital adequacy between 4-9 per cent of risk-weighted assets", "data": [ null, null, null, null, null, null, null, null, null, 0, 0, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null ], "unit": "count" }, "public_between_9_10": { "name": "public_between_9_10_banks", "label": "Public sector banks: number of banks with capital adequacy between 9-10 per cent of risk-weighted assets", "data": [ null, null, null, null, null, null, null, null, null, 0, 0, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null ], "unit": "count" }, "public_above_10": { "name": "public_above_10_banks", "label": "Public sector banks: number of banks with capital adequacy above 10 per cent of risk-weighted assets", "data": [ null, null, null, null, null, null, null, null, null, 1, 1, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null, null ], "unit": "count" }, "all_below_minimum": { "name": "all_below_9pct_banks", "label": "All scheduled commercial banks: number below the 9% minimum (derived: below 4% plus 4 to 9% until 2006-07)", "color": "#2E4BD8", "data": [ null, null, null, null, 5, 5, 3, 2, 2, 2, 3, 1, 0, 0, 1, 0, 0, 0, 1, 0, 1, 0, 1, 2, 3, 0, 0, 0, 0, 0 ], "unit": "count" } } }