{
 "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": "2026-10-10",
  "frequency": "irregular",
  "unit": "mixed",
  "base": "RBI Report on Trend and Progress of Banking in India",
  "latestPeriod": "2025-09-30",
  "coverage": "Financial performance of middle-layer NBFCs: income, expenditure, profit and ratios to total assets",
  "note": "RBI DBIE report 1544 (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."
 },
 "dates": [
  "2022-03-31",
  "2023-03-31",
  "2024-03-31",
  "2024-09-30",
  "2025-03-31",
  "2025-09-30"
 ],
 "series": {
  "a_total_income__a_total_income": {
   "name": "a_total_income__a_total_income_inr_crore",
   "label": "A. Total Income",
   "unit": "inr_crore",
   "data": [
    263729,
    327070,
    411632,
    228365,
    447203,
    245836
   ]
  },
  "a_total_income__ii_fee_based_income": {
   "name": "a_total_income__ii_fee_based_income_inr_crore",
   "label": "A. Total Income, Fee-based Income",
   "unit": "inr_crore",
   "data": [
    11452,
    14646,
    19093,
    10117,
    21106,
    12242
   ]
  },
  "a_total_income__of_which_i_fund_based_income": {
   "name": "a_total_income__of_which_i_fund_based_income_inr_crore",
   "label": "A. Total Income, of which: (i) Fund-based Income",
   "unit": "inr_crore",
   "data": [
    245353,
    283262,
    377011,
    212037,
    412886,
    226312
   ]
  },
  "b_expenditure__b_expenditure": {
   "name": "b_expenditure__b_expenditure_inr_crore",
   "label": "B. Expenditure",
   "unit": "inr_crore",
   "data": [
    208718,
    232665,
    284049,
    163223,
    341343,
    180446
   ]
  },
  "b_expenditure__i_financial_expenditure": {
   "name": "b_expenditure__i_financial_expenditure_inr_crore",
   "label": "B. Expenditure, Financial Expenditure",
   "unit": "inr_crore",
   "data": [
    125178,
    141426,
    170805,
    99662,
    207326,
    112702
   ]
  },
  "b_expenditure__of_which_interest_payments": {
   "name": "b_expenditure__of_which_interest_payments_inr_crore",
   "label": "B. Expenditure, of which: Interest Payments",
   "unit": "inr_crore",
   "data": [
    58582,
    72915,
    96303,
    48447,
    100928,
    52023
   ]
  },
  "b_expenditure__ii_operating_expenditure": {
   "name": "b_expenditure__ii_operating_expenditure_inr_crore",
   "label": "B. Expenditure, Operating Expenditure",
   "unit": "inr_crore",
   "data": [
    37493,
    48333,
    60318,
    35189,
    70617,
    40445
   ]
  },
  "b_expenditure__iii_others": {
   "name": "b_expenditure__iii_others_inr_crore",
   "label": "B. Expenditure, Others",
   "unit": "inr_crore",
   "data": [
    46046,
    42906,
    52926,
    28372,
    63400,
    27299
   ]
  },
  "c_tax_provisions__c_tax_provisions": {
   "name": "c_tax_provisions__c_tax_provisions_inr_crore",
   "label": "C. Tax Provisions",
   "unit": "inr_crore",
   "data": [
    13426,
    15357,
    25242,
    10971,
    22448,
    12432
   ]
  },
  "d_profit_before_tax__d_profit_before_tax": {
   "name": "d_profit_before_tax__d_profit_before_tax_inr_crore",
   "label": "D. Profit Before Tax",
   "unit": "inr_crore",
   "data": [
    55011,
    94405,
    127583,
    65142,
    105860,
    65390
   ]
  },
  "e_net_profit__e_net_profit": {
   "name": "e_net_profit__e_net_profit_inr_crore",
   "label": "E. Net Profit",
   "unit": "inr_crore",
   "data": [
    41585,
    79047,
    102341,
    54171,
    83412,
    52958
   ]
  },
  "f_total_assets__f_total_assets": {
   "name": "f_total_assets__f_total_assets_inr_crore",
   "label": "F. Total Assets",
   "unit": "inr_crore",
   "data": [
    2872954,
    3317880,
    3779949,
    4079806,
    4327135,
    4552297
   ]
  },
  "g_financial_ratios_as_per_cent_of_total_assets__iv_expenditure": {
   "name": "g_financial_ratios_as_per_cent_of_total_assets__iv_expenditure_pct",
   "label": "G. Financial Ratios (as Per cent of Total Assets), Expenditure",
   "unit": "pct",
   "data": [
    7.3,
    7,
    7.5,
    8,
    7.9,
    7.9
   ]
  },
  "g_financial_ratios_as_per_cent_of_total_assets__iii_fee_income": {
   "name": "g_financial_ratios_as_per_cent_of_total_assets__iii_fee_income_pct",
   "label": "G. Financial Ratios (as Per cent of Total Assets), Fee Income",
   "unit": "pct",
   "data": [
    0.4,
    0.4,
    0.5,
    0.5,
    0.5,
    0.5
   ]
  },
  "g_financial_ratios_as_per_cent_of_total_assets__v_financial_expenditure": {
   "name": "g_financial_ratios_as_per_cent_of_total_assets__v_financial_expenditure_pct",
   "label": "G. Financial Ratios (as Per cent of Total Assets), Financial Expenditure",
   "unit": "pct",
   "data": [
    4.4,
    4.3,
    4.5,
    4.9,
    4.8,
    5
   ]
  },
  "g_financial_ratios_as_per_cent_of_total_assets__ii_fund_income": {
   "name": "g_financial_ratios_as_per_cent_of_total_assets__ii_fund_income_pct",
   "label": "G. Financial Ratios (as Per cent of Total Assets), Fund Income",
   "unit": "pct",
   "data": [
    8.5,
    8.5,
    10,
    10.4,
    9.5,
    9.9
   ]
  },
  "g_financial_ratios_as_per_cent_of_total_assets__i_income": {
   "name": "g_financial_ratios_as_per_cent_of_total_assets__i_income_pct",
   "label": "G. Financial Ratios (as Per cent of Total Assets), Income",
   "unit": "pct",
   "data": [
    9.2,
    9.9,
    10.9,
    11.2,
    10.3,
    10.8
   ]
  },
  "g_financial_ratios_as_per_cent_of_total_assets__viii_net_profit": {
   "name": "g_financial_ratios_as_per_cent_of_total_assets__viii_net_profit_pct",
   "label": "G. Financial Ratios (as Per cent of Total Assets), Net Profit",
   "unit": "pct",
   "data": [
    1.4,
    2.4,
    2.7,
    2.7,
    1.9,
    2.3
   ]
  },
  "g_financial_ratios_as_per_cent_of_total_assets__vi_operating_expenditure": {
   "name": "g_financial_ratios_as_per_cent_of_total_assets__vi_operating_expenditure_pct",
   "label": "G. Financial Ratios (as Per cent of Total Assets), Operating Expenditure",
   "unit": "pct",
   "data": [
    1.3,
    1.5,
    1.6,
    1.7,
    1.6,
    1.8
   ]
  },
  "g_financial_ratios_as_per_cent_of_total_assets__vii_provision_of_taxes": {
   "name": "g_financial_ratios_as_per_cent_of_total_assets__vii_provision_of_taxes_pct",
   "label": "G. Financial Ratios (as Per cent of Total Assets), Provision of Taxes",
   "unit": "pct",
   "data": [
    0.5,
    0.5,
    0.7,
    0.5,
    0.5,
    0.5
   ]
  },
  "h_cost_to_income_ratio_per_cent__h_cost_to_income_ratio_per_cent": {
   "name": "h_cost_to_income_ratio_per_cent__h_cost_to_income_ratio_per_cent_pct",
   "label": "H. Cost to Income Ratio (per cent)",
   "unit": "pct",
   "data": [
    79.1,
    49.2,
    47.1,
    71.5,
    55.9,
    50.9
   ]
  }
 }
}