{
 "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": "2024-03-01",
  "coverage": "Primary co-operative agriculture and rural development banks: bad loans and recovery, each year",
  "note": "RBI DBIE report 1533 (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": [
  "2019-03-01",
  "2020-03-01",
  "2021-03-01",
  "2022-03-01",
  "2023-03-01",
  "2024-03-01"
 ],
 "series": {
  "a_total_npas_i_ii_iii__a_total_npas_i_ii_iii": {
   "name": "a_total_npas_i_ii_iii__a_total_npas_i_ii_iii_inr_crore",
   "label": "A. Total NPAs (i+ii+iii)",
   "unit": "inr_crore",
   "data": [
    6121,
    6773,
    6818,
    6768,
    6371.159,
    6143.924
   ]
  },
  "a_total_npas_i_ii_iii__ii_doubtful": {
   "name": "a_total_npas_i_ii_iii__ii_doubtful_inr_crore",
   "label": "A. Total NPAs (i+ii+iii), Doubtful",
   "unit": "inr_crore",
   "data": [
    2940,
    3259,
    3553,
    3812,
    3783.868,
    3635.473
   ]
  },
  "a_total_npas_i_ii_iii__iii_loss": {
   "name": "a_total_npas_i_ii_iii__iii_loss_inr_crore",
   "label": "A. Total NPAs (i+ii+iii), Loss",
   "unit": "inr_crore",
   "data": [
    44,
    21,
    19,
    30,
    35.75,
    100.586
   ]
  },
  "a_total_npas_i_ii_iii__i_sub_standard": {
   "name": "a_total_npas_i_ii_iii__i_sub_standard_inr_crore",
   "label": "A. Total NPAs (i+ii+iii), Sub-standard",
   "unit": "inr_crore",
   "data": [
    3137,
    3493,
    3247,
    2925,
    2551.541,
    2407.866
   ]
  },
  "b_gross_npa_ratio_per_cent__b_gross_npa_ratio_per_cent": {
   "name": "b_gross_npa_ratio_per_cent__b_gross_npa_ratio_per_cent_pct",
   "label": "B. Gross NPA Ratio (per cent)",
   "unit": "pct",
   "data": [
    39,
    43,
    42.3,
    40.7,
    39.71,
    38.587
   ]
  },
  "c_recovery_to_demand_ratio_per_cent__c_recovery_to_demand_ratio_per_cent": {
   "name": "c_recovery_to_demand_ratio_per_cent__c_recovery_to_demand_ratio_per_cent_pct",
   "label": "C. Recovery to Demand Ratio (per cent) *",
   "unit": "pct",
   "data": [
    41,
    47,
    41.4,
    35.6,
    39.09,
    43.149
   ]
  }
 }
}