{
 "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": "mixed",
  "base": "RBI Report on Trend and Progress of Banking in India",
  "latestPeriod": "2025-03-01",
  "coverage": "The Indian banking sector at a glance: balance sheet, capital, asset quality, profitability and reach, each year",
  "note": "RBI DBIE report 1516 (data provider DP0), read from the local Data Bank mirror, as published. Final figures where published, else provisional. Amounts in ₹ crore; counts as numbers; ratios in per cent, as each row's label says. Card counts are stored as plain numbers although the table's labels say lakh; the labels here drop the word."
 },
 "dates": [
  "2019-03-01",
  "2020-03-01",
  "2021-03-01",
  "2022-03-01",
  "2023-03-01",
  "2024-03-01",
  "2025-03-01"
 ],
 "series": {
  "asset_quality__4_3_gross_npa_ratio_gross_npas_as_percentage_of_gross_advanc": {
   "name": "asset_quality__4_3_gross_npa_ratio_gross_npas_as_percentage_of_gross_advanc_pct",
   "label": "Asset Quality #, Gross NPA ratio (Gross NPAs as percentage of gross advances) **",
   "unit": "pct",
   "data": [
    9.1,
    8.2,
    7.3,
    5.8,
    3.9,
    2.7,
    2.2
   ]
  },
  "asset_quality__4_1_gross_npas": {
   "name": "asset_quality__4_1_gross_npas_inr_crore",
   "label": "Asset Quality #, Gross NPAs",
   "unit": "inr_crore",
   "data": [
    936474,
    899803,
    835138,
    743640,
    571546,
    480818,
    431634
   ]
  },
  "asset_quality__4_4_net_npa_ratio_net_npas_as_percentage_of_net_advances": {
   "name": "asset_quality__4_4_net_npa_ratio_net_npas_as_percentage_of_net_advances_pct",
   "label": "Asset Quality #, Net NPA ratio (Net NPAs as percentage of net advances)",
   "unit": "pct",
   "data": [
    3.7,
    2.8,
    2.4,
    1.7,
    0.9,
    0.6,
    0.5
   ]
  },
  "asset_quality__4_2_net_npas": {
   "name": "asset_quality__4_2_net_npas_inr_crore",
   "label": "Asset Quality #, Net NPAs",
   "unit": "inr_crore",
   "data": [
    355068,
    289370,
    258050,
    204231,
    135320,
    106745,
    95388
   ]
  },
  "asset_quality__4_5_provision_coverage_ratio": {
   "name": "asset_quality__4_5_provision_coverage_ratio_pct",
   "label": "Asset Quality #, Provision Coverage Ratio (%) *",
   "unit": "pct",
   "data": [
    60.5,
    66.2,
    67.4,
    69,
    74.9,
    76.2,
    76.3
   ]
  },
  "asset_quality__4_6_slippage_ratio": {
   "name": "asset_quality__4_6_slippage_ratio_pct",
   "label": "Asset Quality #, Slippage ratio (%) *",
   "unit": "pct",
   "data": [
    4,
    3.8,
    2.8,
    2.7,
    1.8,
    1.5,
    1.4
   ]
  },
  "balance_sheet_operations__1_3_borrowings": {
   "name": "balance_sheet_operations__1_3_borrowings_inr_crore",
   "label": "Balance Sheet Operations #, Borrowings",
   "unit": "inr_crore",
   "data": [
    1709670,
    1696120,
    1473450,
    1663348,
    1957241,
    2540474,
    2717607
   ]
  },
  "balance_sheet_operations__1_2_deposits": {
   "name": "balance_sheet_operations__1_2_deposits_inr_crore",
   "label": "Balance Sheet Operations #, Deposits",
   "unit": "inr_crore",
   "data": [
    12886643,
    13975045,
    15580325,
    17180645,
    19068238,
    21741578,
    24147183
   ]
  },
  "balance_sheet_operations__1_5_investments": {
   "name": "balance_sheet_operations__1_5_investments_inr_crore",
   "label": "Balance Sheet Operations #, Investments",
   "unit": "inr_crore",
   "data": [
    4322464,
    4689842,
    5416159,
    5779131,
    6436540,
    7270409,
    7942827
   ]
  },
  "balance_sheet_operations__1_4_loans_and_advances": {
   "name": "balance_sheet_operations__1_4_loans_and_advances_inr_crore",
   "label": "Balance Sheet Operations #, Loans and advances",
   "unit": "inr_crore",
   "data": [
    9676183,
    10301897,
    10806381,
    12198769,
    14319353,
    17142309,
    19119608
   ]
  },
  "balance_sheet_operations__1_6_off_balance_sheet_exposure_as_percentage_of_on_balance_s": {
   "name": "balance_sheet_operations__1_6_off_balance_sheet_exposure_as_percentage_of_on_balance_s_pct",
   "label": "Balance Sheet Operations #, Off-balance sheet exposure (as percentage of on-balance sheet liabilities)",
   "unit": "pct",
   "data": [
    122.8,
    125.6,
    118.8,
    132.8,
    144.8,
    138.6,
    161.9
   ]
  },
  "balance_sheet_operations__1_7_total_consolidated_international_claims": {
   "name": "balance_sheet_operations__1_7_total_consolidated_international_claims_inr_crore",
   "label": "Balance Sheet Operations #, Total consolidated international claims",
   "unit": "inr_crore",
   "data": [
    629621,
    578412,
    613794,
    729114,
    665899,
    632852,
    998116
   ]
  },
  "balance_sheet_operations__1_1_total_liabilities_assets": {
   "name": "balance_sheet_operations__1_1_total_liabilities_assets_inr_crore",
   "label": "Balance Sheet Operations #, Total Liabilities/assets",
   "unit": "inr_crore",
   "data": [
    16601045,
    18014425,
    19578895,
    21674688,
    24318429,
    28080520,
    31218250
   ]
  },
  "capital_adequacy__3_1_capital_to_risk_weighted_assets_ratio_crar": {
   "name": "capital_adequacy__3_1_capital_to_risk_weighted_assets_ratio_crar_pct",
   "label": "Capital Adequacy #, Capital to risk weighted assets ratio (CRAR) @",
   "unit": "pct",
   "data": [
    14.3,
    14.8,
    16.3,
    16.8,
    17.2,
    16.91,
    17.36
   ]
  },
  "capital_adequacy__3_3_crar_tier_1": {
   "name": "capital_adequacy__3_3_crar_tier_1_pct",
   "label": "Capital Adequacy #, CRAR (tier 1) (%) @",
   "unit": "pct",
   "data": [
    12.2,
    12.6,
    14.1,
    14.7,
    15,
    14.84,
    15.48
   ]
  },
  "capital_adequacy__3_2_tier_i_capital_as_percentage_of_total_capital": {
   "name": "capital_adequacy__3_2_tier_i_capital_as_percentage_of_total_capital_pct",
   "label": "Capital Adequacy #, Tier I capital (as percentage of total capital) @",
   "unit": "pct",
   "data": [
    85.5,
    85.5,
    86.8,
    87.4,
    86.8,
    87.75,
    89.1
   ]
  },
  "customer_services__of_7_2_percentage_of_complaints_addressed_disposed_during_th": {
   "name": "customer_services__of_7_2_percentage_of_complaints_addressed_disposed_during_th_pct",
   "label": "Customer Services, Of 7.2 Percentage of complaints addressed/disposed during the year",
   "unit": "pct",
   "data": [
    89.1,
    92.9,
    97.4,
    98,
    98,
    95.1,
    93.1
   ]
  },
  "customer_services__of_7_2_total_number_of_complaints_addressed_disposed_during_": {
   "name": "customer_services__of_7_2_total_number_of_complaints_addressed_disposed_during__count",
   "label": "Customer Services, Of 7.2 Total number of complaints addressed/disposed during the year",
   "unit": "count",
   "data": [
    182602,
    305592,
    371395,
    311067,
    240453,
    284355,
    290567
   ]
  },
  "customer_services__7_2_total_number_of_complaints_handled_during_the_year": {
   "name": "customer_services__7_2_total_number_of_complaints_handled_during_the_year_count",
   "label": "Customer Services, Total number of complaints handled during the year",
   "unit": "count",
   "data": [
    null,
    328972,
    381473,
    317514,
    245391,
    299022,
    312204
   ]
  },
  "customer_services__7_1_total_number_of_complaints_received_during_the_year": {
   "name": "customer_services__7_1_total_number_of_complaints_received_during_the_year_count",
   "label": "Customer Services, Total number of complaints received during the year",
   "unit": "count",
   "data": [
    184730,
    306704,
    341747,
    304496,
    234690,
    293924,
    296321
   ]
  },
  "financial_inclusion__8_1_credit_deposit_ratio": {
   "name": "financial_inclusion__8_1_credit_deposit_ratio_pct",
   "label": "Financial Inclusion, Credit-deposit ratio (%) #",
   "unit": "pct",
   "data": [
    75.1,
    73.7,
    69.4,
    71,
    75.1,
    78.8,
    79.2
   ]
  },
  "financial_inclusion__8_3_number_of_banking_outlets_in_villages_total": {
   "name": "financial_inclusion__8_3_number_of_banking_outlets_in_villages_total_count",
   "label": "Financial Inclusion, Number of banking outlets in villages (Total)",
   "unit": "count",
   "data": [
    597155,
    599217,
    1248079,
    2274236,
    1681957,
    null,
    null
   ]
  },
  "financial_inclusion__8_2_number_of_new_bank_branches_opened_during_the_year": {
   "name": "financial_inclusion__8_2_number_of_new_bank_branches_opened_during_the_year_count",
   "label": "Financial Inclusion, Number of new bank branches opened during the year",
   "unit": "count",
   "data": [
    4516,
    4334,
    3089,
    3254,
    5308,
    5379,
    4991
   ]
  },
  "profitability__2_4_net_interest_margin_nim": {
   "name": "profitability__2_4_net_interest_margin_nim_pct",
   "label": "Profitability #, Net Interest Margin (NIM) (%)",
   "unit": "pct",
   "data": [
    2.7,
    2.8,
    2.9,
    3.4,
    3.7,
    3.3,
    3.1
   ]
  },
  "profitability__2_1_net_profit": {
   "name": "profitability__2_1_net_profit_inr_crore",
   "label": "Profitability #, Net profit",
   "unit": "inr_crore",
   "data": [
    -23397,
    10911,
    121998,
    182032,
    263214,
    349603,
    401180
   ]
  },
  "profitability__2_2_return_on_asset_roa": {
   "name": "profitability__2_2_return_on_asset_roa_pct",
   "label": "Profitability #, Return on Asset (RoA) (%) *",
   "unit": "pct",
   "data": [
    -0.09,
    0.15,
    0.7,
    0.9,
    1.2,
    1.33,
    1.37
   ]
  },
  "profitability__2_3_return_on_equity_roe": {
   "name": "profitability__2_3_return_on_equity_roe_pct",
   "label": "Profitability #, Return on Equity (RoE) (%) *",
   "unit": "pct",
   "data": [
    -1.9,
    0.8,
    7.7,
    9.9,
    12.3,
    13.6,
    13.5
   ]
  },
  "sectoral_deployment_of_bank_credit__5_2_agriculture": {
   "name": "sectoral_deployment_of_bank_credit__5_2_agriculture_inr_crore",
   "label": "Sectoral Deployment of Bank Credit #^^, Agriculture",
   "unit": "inr_crore",
   "data": [
    1217594,
    1239575,
    1384815,
    1461719,
    1726410,
    2071251,
    2287060
   ]
  },
  "sectoral_deployment_of_bank_credit__5_1_gross_bank_credit": {
   "name": "sectoral_deployment_of_bank_credit__5_1_gross_bank_credit_inr_crore",
   "label": "Sectoral Deployment of Bank Credit #^^, Gross bank credit",
   "unit": "inr_crore",
   "data": [
    9526932,
    10098420,
    10640808,
    11891314,
    13675235,
    16432164,
    18243972
   ]
  },
  "sectoral_deployment_of_bank_credit__5_3_industry": {
   "name": "sectoral_deployment_of_bank_credit__5_3_industry_inr_crore",
   "label": "Sectoral Deployment of Bank Credit #^^, Industry",
   "unit": "inr_crore",
   "data": [
    3293638,
    3252801,
    3253636,
    3156067,
    3366406,
    3682393,
    3985660
   ]
  },
  "sectoral_deployment_of_bank_credit__5_5_personal_loans_retail_loans": {
   "name": "sectoral_deployment_of_bank_credit__5_5_personal_loans_retail_loans_inr_crore",
   "label": "Sectoral Deployment of Bank Credit #^^, Personal loans/Retail loans",
   "unit": "inr_crore",
   "data": [
    2304313,
    2659249,
    2986457,
    3386982,
    4182767,
    5346691,
    5971696
   ]
  },
  "sectoral_deployment_of_bank_credit__5_4_services": {
   "name": "sectoral_deployment_of_bank_credit__5_4_services_inr_crore",
   "label": "Sectoral Deployment of Bank Credit #^^, Services",
   "unit": "inr_crore",
   "data": [
    2602287,
    2754823,
    2745324,
    3011975,
    3718805,
    4547237,
    5093565
   ]
  },
  "technological_development__6_3_number_of_atms_and_crms_in_lakhs": {
   "name": "technological_development__6_3_number_of_atms_and_crms_in_lakhs_count",
   "label": "Technological Development, Number of ATMs and CRMs",
   "unit": "count",
   "data": [
    202196,
    210760,
    238588,
    251740,
    259000,
    258000,
    256000
   ]
  },
  "technological_development__6_1_total_number_of_credit_cards_in_lakhs": {
   "name": "technological_development__6_1_total_number_of_credit_cards_in_lakhs_count",
   "label": "Technological Development, Total number of credit cards",
   "unit": "count",
   "data": [
    47100000,
    57700000,
    62000000,
    73600000,
    85300000,
    101800000,
    109900000
   ]
  },
  "technological_development__6_2_total_number_of_debit_cards_in_lakhs": {
   "name": "technological_development__6_2_total_number_of_debit_cards_in_lakhs_count",
   "label": "Technological Development, Total number of debit cards",
   "unit": "count",
   "data": [
    905800000,
    828600000,
    898200000,
    917700000,
    961300000,
    964900000,
    990800000
   ]
  }
 }
}