{
 "meta": {
  "latestPeriod": "2026-06-01",
  "dossier": "credit-bsr1",
  "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": "quarterly",
  "base": "BSR-1 quarterly, excluding RRBs",
  "unit": "mixed: inr_lakh_crore (amount, limit), lakh accounts",
  "coverage": "Bank loans by the interest rate they carry, in one-point bands from below 5% to 13% and above, every quarter since March 2021",
  "note": "RBI BSR-1 quarterly (DBIE 948), outstanding credit of scheduled commercial banks excluding RRBs, as at the end of each quarter (dated to that month). Amounts and limits in ₹ lakh crore; accounts in lakh. Bands are the interest rate on each outstanding loan. Bills purchased and discounted carry no rate and are shown apart."
 },
 "dates": [
  "2021-03-01",
  "2021-06-01",
  "2021-09-01",
  "2021-12-01",
  "2022-03-01",
  "2022-06-01",
  "2022-09-01",
  "2022-12-01",
  "2023-03-01",
  "2023-06-01",
  "2023-09-01",
  "2023-12-01",
  "2024-03-01",
  "2024-06-01",
  "2024-09-01",
  "2024-12-01",
  "2025-03-01",
  "2025-06-01",
  "2025-09-01",
  "2025-12-01",
  "2026-03-01",
  "2026-06-01"
 ],
 "series": {
  "less_than_5_amount": {
   "name": "less_than_5_amount",
   "label": "Less than 5%, credit outstanding",
   "data": [
    4.819,
    4.945,
    4.396,
    5.196,
    6.547,
    4.34,
    1.688,
    1.137,
    0.7947,
    0.6474,
    0.6022,
    0.6231,
    0.7167,
    0.5901,
    0.6998,
    0.7399,
    0.7492,
    0.7908,
    0.8044,
    0.8755,
    0.9542,
    1.046
   ],
   "unit": "inr_lakh_crore"
  },
  "less_than_5_limit": {
   "name": "less_than_5_limit",
   "label": "Less than 5%, credit limits sanctioned",
   "data": [
    7.367,
    8.647,
    8.616,
    7.729,
    9.245,
    6.985,
    4.019,
    3.106,
    2.734,
    2.761,
    2.68,
    2.756,
    2.954,
    2.695,
    2.829,
    2.707,
    2.827,
    3.089,
    3.481,
    3.878,
    4.195,
    4.375
   ],
   "unit": "inr_lakh_crore"
  },
  "less_than_5_accounts": {
   "name": "less_than_5_accounts",
   "label": "Less than 5%, loan accounts, lakh",
   "data": [
    37.492,
    41.329,
    38.36,
    38.476,
    42.422,
    37.043,
    32.572,
    29.587,
    31.005,
    30.908,
    30.415,
    31.367,
    28.546,
    18.228,
    17.956,
    18.864,
    17.874,
    18.961,
    11.954,
    14.793,
    16.305,
    25.249
   ],
   "unit": "lakh_count"
  },
  "5_and_above_but_less_than_6_amount": {
   "name": "5_and_above_but_less_than_6_amount",
   "label": "5% and above but less than 6%, credit outstanding",
   "data": [
    3.06,
    3.493,
    4.131,
    5.037,
    6.44,
    6.579,
    5.317,
    2.087,
    1.873,
    1.691,
    1.617,
    1.543,
    1.562,
    1.679,
    1.685,
    1.781,
    1.882,
    3.066,
    5.869,
    7.602,
    5.807,
    4.995
   ],
   "unit": "inr_lakh_crore"
  },
  "5_and_above_but_less_than_6_limit": {
   "name": "5_and_above_but_less_than_6_limit",
   "label": "5% and above but less than 6%, credit limits sanctioned",
   "data": [
    3.866,
    4.334,
    5.07,
    6.198,
    7.701,
    7.796,
    6.393,
    2.764,
    2.474,
    2.212,
    2.095,
    2.024,
    2.095,
    2.163,
    2.237,
    2.318,
    2.436,
    3.956,
    6.942,
    8.977,
    6.967,
    6.104
   ],
   "unit": "inr_lakh_crore"
  },
  "5_and_above_but_less_than_6_accounts": {
   "name": "5_and_above_but_less_than_6_accounts",
   "label": "5% and above but less than 6%, loan accounts, lakh",
   "data": [
    10.765,
    11.203,
    11.095,
    11.026,
    10.769,
    10.811,
    10.377,
    10.209,
    9.753,
    9.739,
    9.725,
    9.836,
    9.169,
    10.257,
    10.804,
    11.091,
    11.924,
    12.143,
    12.545,
    20.062,
    24.549,
    29.444
   ],
   "unit": "lakh_count"
  },
  "6_and_above_but_less_than_7_amount": {
   "name": "6_and_above_but_less_than_7_amount",
   "label": "6% and above but less than 7%, credit outstanding",
   "data": [
    8.42,
    9.865,
    11.134,
    12.935,
    15.211,
    11.38,
    8.514,
    7.289,
    4.236,
    3.322,
    3.559,
    3.537,
    3.119,
    2.956,
    3.459,
    3.535,
    3.397,
    14.393,
    16.327,
    18.641,
    20.388,
    18.833
   ],
   "unit": "inr_lakh_crore"
  },
  "6_and_above_but_less_than_7_limit": {
   "name": "6_and_above_but_less_than_7_limit",
   "label": "6% and above but less than 7%, credit limits sanctioned",
   "data": [
    11.488,
    13.358,
    15.251,
    17.573,
    20.881,
    15.566,
    10.399,
    8.541,
    5.191,
    4.072,
    4.42,
    4.386,
    4.022,
    3.761,
    4.258,
    4.287,
    4.309,
    17.598,
    20.113,
    23.403,
    25.115,
    23.381
   ],
   "unit": "inr_lakh_crore"
  },
  "6_and_above_but_less_than_7_accounts": {
   "name": "6_and_above_but_less_than_7_accounts",
   "label": "6% and above but less than 7%, loan accounts, lakh",
   "data": [
    26.965,
    30.064,
    34.184,
    40.2,
    48.337,
    19.128,
    12.704,
    13.139,
    11.471,
    10.538,
    9.575,
    8.9,
    8.9,
    7.706,
    7.052,
    6.627,
    7.831,
    9.014,
    10.932,
    7.288,
    7.234,
    6.507
   ],
   "unit": "lakh_count"
  },
  "7_and_above_but_less_than_8_amount": {
   "name": "7_and_above_but_less_than_8_amount",
   "label": "7% and above but less than 8%, credit outstanding",
   "data": [
    29.279,
    29.482,
    30.605,
    30.139,
    33.131,
    35.865,
    30.318,
    27.251,
    21.52,
    19.347,
    19.242,
    18.694,
    18.467,
    19.989,
    21.045,
    21.986,
    24.778,
    33.099,
    39.134,
    45.144,
    52.668,
    56.183
   ],
   "unit": "inr_lakh_crore"
  },
  "7_and_above_but_less_than_8_limit": {
   "name": "7_and_above_but_less_than_8_limit",
   "label": "7% and above but less than 8%, credit limits sanctioned",
   "data": [
    40.532,
    41.01,
    43.717,
    42.778,
    48.888,
    51.242,
    43.324,
    37.351,
    27.189,
    24.257,
    24.311,
    22.918,
    22.631,
    24.773,
    26.296,
    27.485,
    30.474,
    43.962,
    53.598,
    61.763,
    71.771,
    76.76
   ],
   "unit": "inr_lakh_crore"
  },
  "7_and_above_but_less_than_8_accounts": {
   "name": "7_and_above_but_less_than_8_accounts",
   "label": "7% and above but less than 8%, loan accounts, lakh",
   "data": [
    493.164,
    507.177,
    532.403,
    498.623,
    563.342,
    560.819,
    453.455,
    407.695,
    322.141,
    252.776,
    204.97,
    186.031,
    186.917,
    182.132,
    181.628,
    176.318,
    178.699,
    246.45,
    248.908,
    279.402,
    287.341,
    287.817
   ],
   "unit": "lakh_count"
  },
  "8_and_above_but_less_than_9_amount": {
   "name": "8_and_above_but_less_than_9_amount",
   "label": "8% and above but less than 9%, credit outstanding",
   "data": [
    18.713,
    18.126,
    18.039,
    17.735,
    19.146,
    20.191,
    30.541,
    27.016,
    30.733,
    33.398,
    38.035,
    41.462,
    44.342,
    45.472,
    45.179,
    44.999,
    48.097,
    45.824,
    46.493,
    48.788,
    52.691,
    57.686
   ],
   "unit": "inr_lakh_crore"
  },
  "8_and_above_but_less_than_9_limit": {
   "name": "8_and_above_but_less_than_9_limit",
   "label": "8% and above but less than 9%, credit limits sanctioned",
   "data": [
    30.559,
    30.179,
    29.629,
    29.421,
    30.433,
    29.271,
    42.625,
    40.117,
    45.552,
    48.9,
    53.809,
    58.295,
    60.114,
    63.283,
    63.064,
    63.162,
    67.871,
    68.299,
    68.989,
    71.908,
    76.188,
    83.625
   ],
   "unit": "inr_lakh_crore"
  },
  "8_and_above_but_less_than_9_accounts": {
   "name": "8_and_above_but_less_than_9_accounts",
   "label": "8% and above but less than 9%, loan accounts, lakh",
   "data": [
    199.572,
    196.922,
    200.043,
    188.678,
    210.79,
    238.662,
    325.103,
    239.039,
    290.429,
    354.667,
    417.576,
    446.501,
    412.897,
    452.611,
    428.084,
    356.272,
    324.477,
    301.36,
    340.742,
    399.76,
    473.496,
    527.495
   ],
   "unit": "lakh_count"
  },
  "9_and_above_but_less_than_10_amount": {
   "name": "9_and_above_but_less_than_10_amount",
   "label": "9% and above but less than 10%, credit outstanding",
   "data": [
    12.962,
    12.288,
    11.626,
    11.086,
    10.63,
    14.246,
    17.852,
    27.875,
    31.228,
    33.028,
    36.895,
    38.355,
    39.58,
    39.949,
    42.082,
    44.678,
    45.166,
    37.033,
    32.645,
    29.934,
    28.182,
    27.469
   ],
   "unit": "inr_lakh_crore"
  },
  "9_and_above_but_less_than_10_limit": {
   "name": "9_and_above_but_less_than_10_limit",
   "label": "9% and above but less than 10%, credit limits sanctioned",
   "data": [
    19.512,
    18.576,
    17.708,
    16.86,
    16.1,
    23.633,
    29.241,
    42.572,
    43.934,
    47.077,
    52.047,
    54.62,
    56.051,
    57.617,
    60.038,
    63.133,
    65.031,
    53.574,
    47.579,
    43.522,
    40.717,
    40.149
   ],
   "unit": "inr_lakh_crore"
  },
  "9_and_above_but_less_than_10_accounts": {
   "name": "9_and_above_but_less_than_10_accounts",
   "label": "9% and above but less than 10%, loan accounts, lakh",
   "data": [
    185.602,
    171.844,
    168.684,
    155.034,
    161.636,
    189.136,
    221.056,
    320.284,
    320.851,
    315.649,
    325.424,
    320.463,
    352.051,
    332.773,
    371.621,
    443.191,
    477.196,
    462.791,
    437.121,
    380.816,
    319.713,
    273.389
   ],
   "unit": "lakh_count"
  },
  "10_and_above_but_less_than_11_amount": {
   "name": "10_and_above_but_less_than_11_amount",
   "label": "10% and above but less than 11%, credit outstanding",
   "data": [
    9.545,
    9.152,
    9.193,
    8.832,
    9.324,
    9.732,
    11.477,
    14.193,
    19.371,
    20.147,
    21.5,
    21.854,
    22.68,
    22.693,
    23.279,
    24.296,
    24.223,
    18.503,
    18.432,
    18.319,
    18.358,
    18.088
   ],
   "unit": "inr_lakh_crore"
  },
  "10_and_above_but_less_than_11_limit": {
   "name": "10_and_above_but_less_than_11_limit",
   "label": "10% and above but less than 11%, credit limits sanctioned",
   "data": [
    13.226,
    12.719,
    12.766,
    12.192,
    12.774,
    13.264,
    15.829,
    20.228,
    30.763,
    32.501,
    34.944,
    35.929,
    36.597,
    36.953,
    38.447,
    39.885,
    40.2,
    30.614,
    30.056,
    29.472,
    29.582,
    29.491
   ],
   "unit": "inr_lakh_crore"
  },
  "10_and_above_but_less_than_11_accounts": {
   "name": "10_and_above_but_less_than_11_accounts",
   "label": "10% and above but less than 11%, loan accounts, lakh",
   "data": [
    175.608,
    168.566,
    172.577,
    173.495,
    180.731,
    189.656,
    197.196,
    208.439,
    222.961,
    237.999,
    382.956,
    395.779,
    259.435,
    268.956,
    255.948,
    260.77,
    296.853,
    287.793,
    292.26,
    295.813,
    292.84,
    296.4
   ],
   "unit": "lakh_count"
  },
  "11_and_above_but_less_than_12_amount": {
   "name": "11_and_above_but_less_than_12_amount",
   "label": "11% and above but less than 12%, credit outstanding",
   "data": [
    5.664,
    5.332,
    4.953,
    8.345,
    4.488,
    5.034,
    6.224,
    8.034,
    9.424,
    9.696,
    10.445,
    10.875,
    11.513,
    11.366,
    11.503,
    11.557,
    10.976,
    9.025,
    8.473,
    7.871,
    7.878,
    7.808
   ],
   "unit": "inr_lakh_crore"
  },
  "11_and_above_but_less_than_12_limit": {
   "name": "11_and_above_but_less_than_12_limit",
   "label": "11% and above but less than 12%, credit limits sanctioned",
   "data": [
    7.814,
    7.447,
    7.151,
    11.944,
    6.553,
    7.299,
    8.754,
    11.173,
    13.242,
    13.705,
    14.431,
    15.01,
    16.123,
    16.195,
    16.462,
    16.555,
    15.624,
    12.979,
    12.249,
    11.414,
    11.207,
    11.057
   ],
   "unit": "inr_lakh_crore"
  },
  "11_and_above_but_less_than_12_accounts": {
   "name": "11_and_above_but_less_than_12_accounts",
   "label": "11% and above but less than 12%, loan accounts, lakh",
   "data": [
    87.497,
    83.118,
    109.626,
    204.143,
    131.526,
    150.554,
    190.637,
    140.346,
    272.367,
    284.572,
    187.558,
    199.413,
    214.048,
    212.036,
    202.078,
    198.76,
    195.653,
    187.242,
    180.3,
    176.659,
    180.971,
    182.892
   ],
   "unit": "lakh_count"
  },
  "12_and_above_but_less_than_13_amount": {
   "name": "12_and_above_but_less_than_13_amount",
   "label": "12% and above but less than 13%, credit outstanding",
   "data": [
    3.295,
    3.058,
    2.752,
    2.489,
    2.482,
    2.647,
    3.067,
    3.917,
    4.641,
    5.053,
    5.368,
    5.455,
    5.744,
    5.699,
    5.944,
    6.262,
    6.221,
    5.358,
    5.104,
    4.571,
    4.184,
    4.1
   ],
   "unit": "inr_lakh_crore"
  },
  "12_and_above_but_less_than_13_limit": {
   "name": "12_and_above_but_less_than_13_limit",
   "label": "12% and above but less than 13%, credit limits sanctioned",
   "data": [
    4.772,
    4.534,
    4.327,
    3.86,
    3.884,
    4.134,
    4.625,
    5.874,
    6.675,
    7.24,
    7.564,
    7.786,
    8.456,
    8.541,
    8.779,
    9.183,
    9.096,
    8.013,
    7.632,
    6.921,
    6.489,
    5.949
   ],
   "unit": "inr_lakh_crore"
  },
  "12_and_above_but_less_than_13_accounts": {
   "name": "12_and_above_but_less_than_13_accounts",
   "label": "12% and above but less than 13%, loan accounts, lakh",
   "data": [
    81.101,
    87.843,
    73.144,
    77.747,
    86.021,
    91.017,
    77.19,
    185.042,
    104.012,
    116.517,
    129.038,
    136.929,
    276.238,
    279.149,
    282.047,
    286.618,
    265.777,
    244.754,
    224.159,
    205.498,
    190.3,
    103.416
   ],
   "unit": "lakh_count"
  },
  "13_and_above_amount": {
   "name": "13_and_above_amount",
   "label": "13% and above, credit outstanding",
   "data": [
    9.162,
    8.658,
    8.471,
    8.386,
    8.737,
    8.904,
    9.53,
    10.235,
    11.194,
    11.547,
    12.204,
    12.74,
    13.198,
    13.227,
    13.298,
    13.404,
    13.238,
    12.66,
    12.691,
    12.346,
    12.597,
    12.69
   ],
   "unit": "inr_lakh_crore"
  },
  "13_and_above_limit": {
   "name": "13_and_above_limit",
   "label": "13% and above, credit limits sanctioned",
   "data": [
    18.719,
    18.42,
    18.487,
    18.623,
    19.144,
    19.631,
    20.69,
    22.103,
    23.965,
    25.186,
    26.497,
    27.721,
    29.443,
    29.483,
    30.374,
    31.073,
    31.091,
    30.896,
    31.042,
    31.442,
    32.289,
    32.674
   ],
   "unit": "inr_lakh_crore"
  },
  "13_and_above_accounts": {
   "name": "13_and_above_accounts",
   "label": "13% and above, loan accounts, lakh",
   "data": [
    1411.48,
    1388.965,
    1410.728,
    1448.144,
    1490.539,
    1526.965,
    1617.798,
    1651.005,
    1725.473,
    1804.895,
    1879.383,
    1940.097,
    1977.155,
    1990.667,
    1999.054,
    2071.809,
    2010.273,
    1988.599,
    1946.879,
    1921.261,
    1920.002,
    1911.042
   ],
   "unit": "lakh_count"
  },
  "total_loans_and_advances_amount": {
   "name": "total_loans_and_advances_amount",
   "label": "Total Loans and Advances, credit outstanding",
   "data": [
    104.92,
    104.399,
    105.3,
    110.179,
    116.136,
    118.917,
    124.529,
    129.035,
    135.015,
    137.876,
    149.469,
    155.139,
    160.921,
    163.62,
    168.174,
    173.237,
    178.727,
    179.752,
    185.973,
    194.092,
    203.707,
    208.898
   ],
   "unit": "inr_lakh_crore"
  },
  "total_loans_and_advances_limit": {
   "name": "total_loans_and_advances_limit",
   "label": "Total Loans and Advances, credit limits sanctioned",
   "data": [
    157.855,
    159.223,
    162.723,
    167.177,
    175.605,
    178.82,
    185.898,
    193.831,
    201.72,
    207.911,
    222.796,
    231.446,
    238.488,
    245.464,
    252.784,
    259.788,
    268.958,
    272.98,
    281.68,
    292.7,
    304.519,
    313.565
   ],
   "unit": "inr_lakh_crore"
  },
  "total_loans_and_advances_accounts": {
   "name": "total_loans_and_advances_accounts",
   "label": "Total Loans and Advances, loan accounts, lakh",
   "data": [
    2709.246,
    2687.03,
    2750.843,
    2835.566,
    2926.113,
    3013.79,
    3138.088,
    3204.786,
    3310.464,
    3418.263,
    3576.619,
    3675.315,
    3725.355,
    3754.516,
    3756.273,
    3830.32,
    3786.555,
    3759.108,
    3705.8,
    3701.352,
    3712.75,
    3643.653
   ],
   "unit": "lakh_count"
  },
  "inland_and_foreign_bills_purchased_discounted_amount": {
   "name": "inland_and_foreign_bills_purchased_discounted_amount",
   "label": "Inland and Foreign Bills Purchased/Discounted, credit outstanding",
   "data": [
    2.465,
    2.212,
    2.399,
    2.43,
    2.731,
    2.614,
    2.586,
    2.492,
    2.769,
    2.637,
    2.841,
    3.024,
    3.42,
    3.338,
    3.344,
    3.546,
    3.787,
    3.653,
    3.832,
    4.227,
    4.655,
    4.7
   ],
   "unit": "inr_lakh_crore"
  },
  "inland_and_foreign_bills_purchased_discounted_limit": {
   "name": "inland_and_foreign_bills_purchased_discounted_limit",
   "label": "Inland and Foreign Bills Purchased/Discounted, credit limits sanctioned",
   "data": [
    8.403,
    8.491,
    9.17,
    11.109,
    11.106,
    11.428,
    12.508,
    12.903,
    13.537,
    13.425,
    14.312,
    14.357,
    15.815,
    15.473,
    15.918,
    16.56,
    19.692,
    17.602,
    18.718,
    19.828,
    21.828,
    21.826
   ],
   "unit": "inr_lakh_crore"
  },
  "inland_and_foreign_bills_purchased_discounted_accounts": {
   "name": "inland_and_foreign_bills_purchased_discounted_accounts",
   "label": "Inland and Foreign Bills Purchased/Discounted, loan accounts, lakh",
   "data": [
    5.713,
    5.159,
    6.037,
    5.943,
    6.25,
    5.557,
    5.687,
    5.861,
    5.651,
    5.535,
    5.875,
    6.216,
    6.248,
    5.793,
    6.37,
    5.838,
    6.418,
    5.955,
    5.499,
    6.417,
    7.14,
    7.296
   ],
   "unit": "lakh_count"
  },
  "total_credit_amount": {
   "name": "total_credit_amount",
   "label": "Total credit, credit outstanding",
   "data": [
    107.384,
    106.61,
    107.699,
    112.609,
    118.867,
    121.531,
    127.114,
    131.528,
    137.784,
    140.513,
    152.31,
    158.163,
    164.342,
    166.959,
    171.517,
    176.783,
    182.514,
    183.404,
    189.805,
    198.319,
    208.362,
    213.598
   ],
   "unit": "inr_lakh_crore"
  },
  "total_credit_limit": {
   "name": "total_credit_limit",
   "label": "Total credit, credit limits sanctioned",
   "data": [
    166.258,
    167.714,
    171.893,
    178.286,
    186.711,
    190.248,
    198.406,
    206.734,
    215.257,
    221.336,
    237.108,
    245.804,
    254.304,
    260.938,
    268.702,
    276.348,
    288.651,
    290.582,
    300.398,
    312.527,
    326.347,
    335.391
   ],
   "unit": "inr_lakh_crore"
  },
  "total_credit_accounts": {
   "name": "total_credit_accounts",
   "label": "Total credit, loan accounts, lakh",
   "data": [
    2714.959,
    2692.189,
    2756.88,
    2841.509,
    2932.363,
    3019.348,
    3143.776,
    3210.646,
    3316.115,
    3423.798,
    3582.494,
    3681.53,
    3731.602,
    3760.309,
    3762.643,
    3836.158,
    3792.973,
    3765.063,
    3711.3,
    3707.769,
    3719.89,
    3650.949
   ],
   "unit": "lakh_count"
  }
 }
}