{
 "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 upper-layer NBFCs: income, expenditure, profit and ratios to total assets",
  "note": "RBI DBIE report 1543 (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": [
    112952,
    141310,
    182115,
    101219,
    238342,
    142597
   ]
  },
  "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": [
    588,
    2424,
    4219,
    2314,
    5264,
    3161
   ]
  },
  "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": [
    107477,
    132676,
    171480,
    95976,
    226220,
    133048
   ]
  },
  "b_expenditure__b_expenditure": {
   "name": "b_expenditure__b_expenditure_inr_crore",
   "label": "B. Expenditure",
   "unit": "inr_crore",
   "data": [
    86201,
    102181,
    130395,
    71939,
    174008,
    106522
   ]
  },
  "b_expenditure__i_financial_expenditure": {
   "name": "b_expenditure__i_financial_expenditure_inr_crore",
   "label": "B. Expenditure, Financial Expenditure",
   "unit": "inr_crore",
   "data": [
    43258,
    52579,
    72748,
    39868,
    97952,
    59104
   ]
  },
  "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": [
    21849,
    29132,
    42930,
    24514,
    59696,
    36313
   ]
  },
  "b_expenditure__ii_operating_expenditure": {
   "name": "b_expenditure__ii_operating_expenditure_inr_crore",
   "label": "B. Expenditure, Operating Expenditure",
   "unit": "inr_crore",
   "data": [
    22903,
    30588,
    37349,
    19606,
    46287,
    26204
   ]
  },
  "b_expenditure__iii_others": {
   "name": "b_expenditure__iii_others_inr_crore",
   "label": "B. Expenditure, Others",
   "unit": "inr_crore",
   "data": [
    20039,
    19014,
    20298,
    12465,
    29769,
    21214
   ]
  },
  "c_tax_provisions__c_tax_provisions": {
   "name": "c_tax_provisions__c_tax_provisions_inr_crore",
   "label": "C. Tax Provisions",
   "unit": "inr_crore",
   "data": [
    6823,
    10373,
    13102,
    7263,
    15460,
    9063
   ]
  },
  "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": [
    26751,
    39129,
    51720,
    29280,
    64334,
    36075
   ]
  },
  "e_net_profit__e_net_profit": {
   "name": "e_net_profit__e_net_profit_inr_crore",
   "label": "E. Net Profit",
   "unit": "inr_crore",
   "data": [
    19928,
    28756,
    38618,
    22017,
    48873,
    27012
   ]
  },
  "f_total_assets__f_total_assets": {
   "name": "f_total_assets__f_total_assets_inr_crore",
   "label": "F. Total Assets",
   "unit": "inr_crore",
   "data": [
    846058,
    1071050,
    1359521,
    1373790,
    1781991,
    1998860
   ]
  },
  "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": [
    10.2,
    9.5,
    9.6,
    10.5,
    9.8,
    10.7
   ]
  },
  "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": [
    0.1,
    0.2,
    0.3,
    0.3,
    0.3,
    0.3
   ]
  },
  "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": [
    5.1,
    4.9,
    5.4,
    5.8,
    5.5,
    5.9
   ]
  },
  "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": [
    12.7,
    12.4,
    12.6,
    14,
    12.7,
    13.3
   ]
  },
  "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": [
    13.4,
    13.2,
    13.4,
    14.7,
    13.4,
    14.3
   ]
  },
  "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": [
    2.4,
    2.7,
    2.8,
    3.2,
    2.7,
    2.7
   ]
  },
  "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": [
    2.7,
    2.9,
    2.8,
    2.9,
    2.6,
    2.6
   ]
  },
  "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": [
    0.8,
    1,
    1,
    1.1,
    0.9,
    0.9
   ]
  },
  "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": [
    76.3,
    55.9,
    52.7,
    71.1,
    54.2,
    56.8
   ]
  }
 }
}