{
 "meta": {
  "latestPeriod": "2025-03-01",
  "dossier": "credit-health",
  "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",
  "base": "RBI asset classification, as on 31 March",
  "unit": "inr_lakh_crore",
  "coverage": "Every bank loan by its health: standard, sub-standard, doubtful and loss advances, summed over all scheduled commercial banks, every March since 2004",
  "note": "RBI DBIE report 336 (Bank-wise and bank group-wise classification of loan assets), summed over every bank in the report, ₹ lakh crore. The report's unit column is unreliable; values are rupees."
 },
 "dates": [
  "2004-03-01",
  "2005-03-01",
  "2006-03-01",
  "2007-03-01",
  "2008-03-01",
  "2009-03-01",
  "2010-03-01",
  "2011-03-01",
  "2012-03-01",
  "2013-03-01",
  "2014-03-01",
  "2015-03-01",
  "2016-03-01",
  "2017-03-01",
  "2018-03-01",
  "2019-03-01",
  "2020-03-01",
  "2021-03-01",
  "2022-03-01",
  "2023-03-01",
  "2024-03-01",
  "2025-03-01"
 ],
 "series": {
  "standard": {
   "name": "standard_inr_lakh_crore",
   "label": "All scheduled commercial banks, standard (performing) advances (sum of banks)",
   "data": [
    6.587,
    8.924,
    11.905,
    15.474,
    19.202,
    22.696,
    26.505,
    32.477,
    37.975,
    41.477,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null
   ],
   "unit": "inr_lakh_crore"
  },
  "sub_standard": {
   "name": "sub_standard_inr_lakh_crore",
   "label": "All scheduled commercial banks, sub-standard advances (NPA for up to a year) (sum of banks)",
   "data": [
    0.1518,
    0.1091,
    0.1141,
    0.1601,
    0.2072,
    0.2846,
    0.3361,
    0.2981,
    0.5116,
    0.7939,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null
   ],
   "unit": "inr_lakh_crore"
  },
  "doubtful": {
   "name": "doubtful_inr_lakh_crore",
   "label": "All scheduled commercial banks, doubtful advances (NPA for more than a year) (sum of banks)",
   "data": [
    0.3043,
    0.298,
    0.2433,
    0.1952,
    0.1833,
    0.2052,
    0.2457,
    0.3408,
    0.4146,
    0.7599,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null
   ],
   "unit": "inr_lakh_crore"
  },
  "loss": {
   "name": "loss_inr_lakh_crore",
   "label": "All scheduled commercial banks, loss advances (identified as uncollectable) (sum of banks)",
   "data": [
    0.05948,
    0.05549,
    0.05129,
    0.04615,
    0.04016,
    0.04063,
    0.0571,
    0.07096,
    0.07211,
    0.08153,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null
   ],
   "unit": "inr_lakh_crore"
  },
  "gnpa": {
   "name": "gnpa_inr_lakh_crore",
   "label": "All scheduled commercial banks, gross NPAs (sum of banks)",
   "data": [
    0.5156,
    0.574,
    0.5175,
    0.5052,
    0.5661,
    0.6995,
    0.8172,
    0.94,
    1.37,
    1.928,
    2.63,
    3.229,
    6.116,
    7.903,
    10.362,
    9.336,
    8.961,
    8.351,
    7.424,
    5.719,
    4.807,
    4.316
   ],
   "unit": "inr_lakh_crore"
  },
  "gross_advances": {
   "name": "gross_advances_inr_lakh_crore",
   "label": "All scheduled commercial banks, gross advances (sum of banks)",
   "data": [
    7.103,
    11.677,
    15.457,
    20.074,
    25.034,
    30.247,
    32.621,
    39.96,
    46.488,
    59.718,
    68.757,
    75.607,
    81.711,
    84.767,
    92.662,
    102.871,
    109.189,
    113.996,
    127.5,
    147.618,
    175.086,
    194.495
   ],
   "unit": "inr_lakh_crore"
  }
 }
}