{
 "meta": {
  "dossier": "credit-deep",
  "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",
  "unit": "pct",
  "base": "RBI DBIE report 118",
  "latestPeriod": "2025-03-01",
  "coverage": "Bad loans of co-operative banks: gross NPA ratios of urban co-operative banks and the rural co-operative tiers, every March since 1995",
  "note": "RBI DBIE report 118 (data provider DP0), read from the local Data Bank mirror, as published. Final figures where published, else provisional."
 },
 "dates": [
  "1995-03-01",
  "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": {
  "rcb_5_long_term_structure_npa_pcardbs": {
   "name": "rcb_5_long_term_structure_npa_pcardbs_pct",
   "label": "Long-term Structure NPA - PCARDBs(%)",
   "unit": "pct",
   "data": [
    0,
    0,
    0,
    16.5,
    16.1,
    20,
    24.3,
    30.2,
    33.8,
    35.8,
    31.9,
    35.6,
    35.4,
    53.7,
    39,
    51.9,
    40.6,
    36.7,
    37.7,
    38,
    36.2,
    36.6,
    33,
    38.3,
    39.3,
    42.8,
    42.3,
    40.7,
    39.71,
    38.587,
    35.4
   ]
  },
  "rcb_4_long_term_structure_npa_scardbs": {
   "name": "rcb_4_long_term_structure_npa_scardbs_pct",
   "label": "Long-term Structure NPA - SCARDBs(%)",
   "unit": "pct",
   "data": [
    0,
    0,
    0,
    18.6,
    19.2,
    18.7,
    20.5,
    18.5,
    20.9,
    26.7,
    31.3,
    32.7,
    30.3,
    34.5,
    30.1,
    45.1,
    32.3,
    33.1,
    36,
    31.6,
    30.3,
    22,
    23.6,
    25,
    26.5,
    33,
    33.2,
    36.1,
    30.905,
    33.505,
    37.256
   ]
  },
  "ucb_npa_of_urban_co_operative_banks_ucbs": {
   "name": "ucb_npa_of_urban_co_operative_banks_ucbs_pct",
   "label": "NPA of Urban Co-operative Banks (UCBs)(%)",
   "unit": "pct",
   "data": [
    13.9,
    13,
    13.2,
    11.7,
    11.7,
    12.2,
    16.1,
    21.9,
    19,
    22.7,
    23.2,
    18.9,
    18.3,
    15.5,
    13.4,
    10.1,
    8.4,
    7,
    6,
    5.7,
    6.2,
    6.1,
    7.2,
    7.2,
    7.3,
    10.6,
    12.1,
    10.3,
    8.8,
    7.3,
    6.2
   ]
  },
  "rcb_2_short_term_structure_npa_dccbs": {
   "name": "rcb_2_short_term_structure_npa_dccbs_pct",
   "label": "Short-term Structure NPA - DCCBs(%)",
   "unit": "pct",
   "data": [
    0,
    0,
    0,
    17.8,
    17.8,
    17.2,
    17.9,
    19.9,
    21.2,
    24,
    19.9,
    19.7,
    18.5,
    20.5,
    18,
    13,
    11.2,
    10.2,
    9.7,
    10.3,
    9.5,
    9.4,
    10.5,
    11.2,
    11.9,
    12.6,
    11.4,
    10.8,
    9.6,
    8.945,
    8.7
   ]
  },
  "rcb_3_short_term_structure_npa_pacs": {
   "name": "rcb_3_short_term_structure_npa_pacs_pct",
   "label": "Short-term Structure NPA - PACS(%)",
   "unit": "pct",
   "data": [
    33.9,
    34.7,
    34.9,
    35.3,
    35,
    35.4,
    34.9,
    32.4,
    38.2,
    36.8,
    33.6,
    30.4,
    29.1,
    35.7,
    44.8,
    41.4,
    25.2,
    26.8,
    24.7,
    19,
    22.4,
    18.9,
    26.6,
    28.2,
    45.2,
    31,
    33.5,
    32.16,
    23.3,
    26.2,
    null
   ]
  },
  "rcb_1_short_term_structure_npa_stcbs": {
   "name": "rcb_1_short_term_structure_npa_stcbs_pct",
   "label": "Short-term Structure NPA - StCBs(%)",
   "unit": "pct",
   "data": [
    0,
    0,
    0,
    12.5,
    12.6,
    10.7,
    13,
    13.4,
    18.2,
    18.7,
    16.3,
    16.8,
    14.2,
    12.8,
    12,
    8.8,
    8.5,
    7,
    6.1,
    5.5,
    4.9,
    4.5,
    4.1,
    4.7,
    4.3,
    6.7,
    6.7,
    6,
    5.4,
    4.935,
    4.855
   ]
  }
 }
}