{
 "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 bank groups, as on 31 March",
  "unit": "inr_lakh_crore",
  "coverage": "Bad loans in rupees: gross and net NPAs and gross and net advances, all scheduled commercial banks and each bank group, every March since 1997",
  "note": "RBI DBIE report 330, converted from rupees to ₹ lakh crore. Bank groups as in credit-npa."
 },
 "dates": [
  "1997-03-01",
  "1998-03-01",
  "1999-03-01",
  "2000-03-01",
  "2001-03-01",
  "2002-03-01",
  "2003-03-01",
  "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": {
  "all_gnpa": {
   "name": "all_gnpa_inr_lakh_crore",
   "label": "All scheduled commercial banks, gross NPAs",
   "data": [
    0.473,
    0.5081,
    0.5872,
    0.6041,
    0.6374,
    0.7086,
    0.6872,
    0.6481,
    0.5937,
    0.511,
    0.5049,
    0.5631,
    0.6833,
    0.847,
    0.9797,
    1.429,
    1.941,
    2.634,
    3.233,
    6.119,
    7.918,
    10.397,
    9.365,
    8.998,
    8.351,
    7.436,
    5.715,
    4.808,
    4.316
   ],
   "unit": "inr_lakh_crore"
  },
  "all_nnpa": {
   "name": "all_nnpa_inr_lakh_crore",
   "label": "All scheduled commercial banks, net NPAs",
   "data": [
    0.2234,
    0.2376,
    0.2802,
    0.3007,
    0.3246,
    0.3555,
    0.2969,
    0.244,
    0.2175,
    0.1854,
    0.2028,
    0.2473,
    0.3156,
    0.3872,
    0.418,
    0.6521,
    0.9869,
    1.424,
    1.758,
    3.498,
    4.331,
    5.208,
    3.551,
    2.894,
    2.581,
    2.042,
    1.353,
    1.067,
    0.9539
   ],
   "unit": "inr_lakh_crore"
  },
  "all_gross_advances": {
   "name": "all_gross_advances_inr_lakh_crore",
   "label": "All scheduled commercial banks, gross advances",
   "data": [
    3.017,
    3.527,
    3.994,
    4.751,
    5.588,
    6.81,
    7.78,
    9.02,
    11.677,
    15.457,
    20.074,
    25.034,
    30.376,
    35.45,
    43.575,
    51.589,
    59.883,
    68.757,
    75.598,
    81.731,
    84.926,
    92.662,
    102.945,
    109.189,
    113.996,
    127.5,
    147.566,
    175.086,
    194.495
   ],
   "unit": "inr_lakh_crore"
  },
  "all_net_advances": {
   "name": "all_net_advances_inr_lakh_crore",
   "label": "All scheduled commercial banks, net advances",
   "data": [
    2.764,
    3.255,
    3.67,
    4.443,
    5.263,
    6.459,
    7.405,
    8.626,
    11.508,
    15.168,
    19.812,
    24.769,
    29.999,
    34.971,
    42.987,
    50.736,
    58.798,
    67.352,
    73.882,
    78.965,
    81.161,
    87.46,
    96.762,
    103.019,
    108.064,
    121.988,
    143.194,
    171.423,
    191.196
   ],
   "unit": "inr_lakh_crore"
  },
  "public_gnpa": {
   "name": "public_gnpa_inr_lakh_crore",
   "label": "Public sector banks, gross NPAs",
   "data": [
    0.4358,
    0.4565,
    0.5171,
    0.5303,
    0.5467,
    0.5647,
    0.5409,
    0.5154,
    0.484,
    0.4136,
    0.3897,
    0.4045,
    0.4496,
    0.5993,
    0.7466,
    1.178,
    1.65,
    2.273,
    2.785,
    5.4,
    6.847,
    8.956,
    7.395,
    6.783,
    6.166,
    5.422,
    4.282,
    3.395,
    2.837
   ],
   "unit": "inr_lakh_crore"
  },
  "public_nnpa": {
   "name": "public_nnpa_inr_lakh_crore",
   "label": "Public sector banks, net NPAs",
   "data": [
    0.2029,
    0.2123,
    0.2421,
    0.2619,
    0.2798,
    0.2796,
    0.2488,
    0.1933,
    0.169,
    0.1457,
    0.1532,
    0.1784,
    0.2115,
    0.2938,
    0.3605,
    0.5939,
    0.9004,
    1.304,
    1.6,
    3.204,
    3.831,
    4.545,
    2.851,
    2.309,
    1.965,
    1.547,
    1.025,
    0.7254,
    0.5563
   ],
   "unit": "inr_lakh_crore"
  },
  "public_gross_advances": {
   "name": "public_gross_advances_inr_lakh_crore",
   "label": "Public sector banks, gross advances",
   "data": [
    2.442,
    2.85,
    3.253,
    3.795,
    4.421,
    5.094,
    5.778,
    6.62,
    8.709,
    11.347,
    14.645,
    18.191,
    22.828,
    27.335,
    33.465,
    39.427,
    45.602,
    52.159,
    56.158,
    58.239,
    58.748,
    61.417,
    63.825,
    66.151,
    67.704,
    74.33,
    86.101,
    97.735,
    109.778
   ],
   "unit": "inr_lakh_crore"
  },
  "public_net_advances": {
   "name": "public_net_advances_inr_lakh_crore",
   "label": "Public sector banks, net advances",
   "data": [
    2.209,
    2.605,
    2.978,
    3.527,
    4.152,
    4.807,
    5.494,
    6.314,
    8.542,
    11.063,
    14.401,
    17.974,
    22.592,
    27.013,
    33.056,
    38.773,
    44.728,
    51.011,
    54.763,
    55.936,
    55.572,
    56.974,
    58.927,
    61.581,
    63.474,
    70.439,
    82.838,
    95.063,
    107.502
   ],
   "unit": "inr_lakh_crore"
  },
  "private_pre2011_gnpa": {
   "name": "private_pre2011_gnpa_inr_lakh_crore",
   "label": "Private sector banks, gross NPAs",
   "data": [
    0.02542,
    0.03186,
    0.04655,
    0.04761,
    0.05879,
    0.1121,
    0.1178,
    0.0891,
    0.08526,
    0.07233,
    0.09096,
    0.13,
    0.1693,
    0.1764,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null
   ],
   "unit": "inr_lakh_crore"
  },
  "private_pre2011_nnpa": {
   "name": "private_pre2011_nnpa_inr_lakh_crore",
   "label": "Private sector banks, net NPAs",
   "data": [
    0.01539,
    0.01863,
    0.02943,
    0.03031,
    0.03645,
    0.06438,
    0.06882,
    0.04857,
    0.04085,
    0.02896,
    0.03967,
    0.05647,
    0.07411,
    0.06371,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null
   ],
   "unit": "inr_lakh_crore"
  },
  "private_pre2011_gross_advances": {
   "name": "private_pre2011_gross_advances_inr_lakh_crore",
   "label": "Private sector banks, gross advances",
   "data": [
    0.2996,
    0.3675,
    0.4305,
    0.5822,
    0.7124,
    1.233,
    1.512,
    1.774,
    2.26,
    3.177,
    4.201,
    5.258,
    5.85,
    6.441,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null
   ],
   "unit": "inr_lakh_crore"
  },
  "private_pre2011_net_advances": {
   "name": "private_pre2011_net_advances_inr_lakh_crore",
   "label": "Private sector banks, net advances",
   "data": [
    0.2865,
    0.3541,
    0.3973,
    0.5604,
    0.6811,
    1.168,
    1.389,
    1.707,
    2.213,
    3.13,
    4.148,
    5.184,
    5.755,
    6.325,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null
   ],
   "unit": "inr_lakh_crore"
  },
  "private_old_gnpa": {
   "name": "private_old_gnpa_inr_lakh_crore",
   "label": "Old private sector banks, gross NPAs",
   "data": [
    0.02325,
    0.02794,
    0.03784,
    0.03815,
    0.04262,
    0.04389,
    0.04291,
    0.04393,
    0.0419,
    0.03182,
    0.0281,
    0.02557,
    0.03072,
    0.03622,
    0.036,
    0.042,
    0.0521,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null
   ],
   "unit": "inr_lakh_crore"
  },
  "private_old_nnpa": {
   "name": "private_old_nnpa_inr_lakh_crore",
   "label": "Old private sector banks, net NPAs",
   "data": [
    0.01385,
    0.01572,
    0.02332,
    0.02393,
    0.02716,
    0.02775,
    0.02547,
    0.0214,
    0.01845,
    0.01101,
    0.00831,
    0.0074,
    0.01159,
    0.01137,
    0.009,
    0.013,
    0.02,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null
   ],
   "unit": "inr_lakh_crore"
  },
  "private_old_gross_advances": {
   "name": "private_old_gross_advances_inr_lakh_crore",
   "label": "Old private sector banks, gross advances",
   "data": [
    0.217,
    0.2558,
    0.2898,
    0.354,
    0.3974,
    0.4406,
    0.5133,
    0.5791,
    0.7041,
    0.8515,
    0.9487,
    1.134,
    1.303,
    1.564,
    1.873,
    2.329,
    2.731,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null
   ],
   "unit": "inr_lakh_crore"
  },
  "private_old_net_advances": {
   "name": "private_old_net_advances_inr_lakh_crore",
   "label": "Old private sector banks, net advances",
   "data": [
    0.2083,
    0.2435,
    0.2602,
    0.3388,
    0.3795,
    0.4229,
    0.4943,
    0.5558,
    0.6818,
    0.8296,
    0.9289,
    1.117,
    1.285,
    1.541,
    1.846,
    2.301,
    2.699,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null
   ],
   "unit": "inr_lakh_crore"
  },
  "private_new_gnpa": {
   "name": "private_new_gnpa_inr_lakh_crore",
   "label": "Private sector banks (new private banks to March 2013; all private banks from March 2014, as the source labels them), gross NPAs",
   "data": [
    0.00217,
    0.00392,
    0.00871,
    0.00946,
    0.01617,
    0.06821,
    0.07492,
    0.04517,
    0.04336,
    0.04051,
    0.06286,
    0.1044,
    0.1385,
    0.1402,
    0.145,
    0.145,
    0.158,
    0.2454,
    0.3411,
    0.5619,
    0.9321,
    1.293,
    1.836,
    2.096,
    1.975,
    1.808,
    1.252,
    1.292,
    1.327
   ],
   "unit": "inr_lakh_crore"
  },
  "private_new_nnpa": {
   "name": "private_new_nnpa_inr_lakh_crore",
   "label": "Private sector banks (new private banks to March 2013; all private banks from March 2014, as the source labels them), net NPAs",
   "data": [
    0.00154,
    0.00291,
    0.00611,
    0.00638,
    0.00929,
    0.03663,
    0.04335,
    0.02717,
    0.0224,
    0.01795,
    0.03136,
    0.04907,
    0.06252,
    0.05234,
    0.034,
    0.03,
    0.039,
    0.08862,
    0.1413,
    0.2668,
    0.4778,
    0.6438,
    0.6731,
    0.5568,
    0.5538,
    0.4374,
    0.2951,
    0.3159,
    0.3507
   ],
   "unit": "inr_lakh_crore"
  },
  "private_new_gross_advances": {
   "name": "private_new_gross_advances_inr_lakh_crore",
   "label": "Private sector banks (new private banks to March 2013; all private banks from March 2014, as the source labels them), gross advances",
   "data": [
    0.08257,
    0.1117,
    0.1407,
    0.2282,
    0.315,
    0.792,
    0.9989,
    1.195,
    1.556,
    2.325,
    3.253,
    4.124,
    4.547,
    4.877,
    6.245,
    7.485,
    8.86,
    13.603,
    16.073,
    19.726,
    22.667,
    27.259,
    34.423,
    37.762,
    40.97,
    47.009,
    54.63,
    69.591,
    75.748
   ],
   "unit": "inr_lakh_crore"
  },
  "private_new_net_advances": {
   "name": "private_new_net_advances_inr_lakh_crore",
   "label": "Private sector banks (new private banks to March 2013; all private banks from March 2014, as the source labels them), net advances",
   "data": [
    0.07814,
    0.1106,
    0.1371,
    0.2216,
    0.3016,
    0.7456,
    0.8952,
    1.151,
    1.531,
    2.3,
    3.219,
    4.067,
    4.47,
    4.784,
    6.129,
    7.363,
    8.733,
    13.429,
    15.843,
    19.393,
    22.195,
    26.628,
    33.273,
    36.252,
    39.296,
    45.535,
    53.667,
    68.614,
    74.769
   ],
   "unit": "inr_lakh_crore"
  },
  "foreign_gnpa": {
   "name": "foreign_gnpa_inr_lakh_crore",
   "label": "Foreign banks, gross NPAs",
   "data": [
    0.01181,
    0.01976,
    0.02357,
    0.02614,
    0.03106,
    0.02726,
    0.02845,
    0.02894,
    0.02192,
    0.01928,
    0.02263,
    0.02859,
    0.06445,
    0.07134,
    0.05069,
    0.06297,
    0.07977,
    0.1157,
    0.1076,
    0.158,
    0.1363,
    0.1385,
    0.1224,
    0.1021,
    0.1504,
    0.1379,
    0.09526,
    0.06523,
    0.05321
   ],
   "unit": "inr_lakh_crore"
  },
  "foreign_nnpa": {
   "name": "foreign_nnpa_inr_lakh_crore",
   "label": "Foreign banks, net NPAs",
   "data": [
    0.00516,
    0.00666,
    0.00866,
    0.00855,
    0.00785,
    0.0092,
    0.00903,
    0.00933,
    0.00639,
    0.00808,
    0.00927,
    0.01247,
    0.02997,
    0.02977,
    0.01312,
    0.01412,
    0.02663,
    0.0316,
    0.01762,
    0.02762,
    0.02137,
    0.01548,
    0.02051,
    0.02005,
    0.03241,
    0.03023,
    0.01656,
    0.008117,
    0.007759
   ],
   "unit": "inr_lakh_crore"
  },
  "foreign_gross_advances": {
   "name": "foreign_gross_advances_inr_lakh_crore",
   "label": "Foreign banks, gross advances",
   "data": [
    0.2752,
    0.3097,
    0.3106,
    0.3743,
    0.454,
    0.5063,
    0.5418,
    0.6263,
    0.7317,
    0.959,
    1.247,
    1.607,
    1.697,
    1.674,
    1.993,
    2.347,
    2.69,
    2.996,
    3.366,
    3.766,
    3.438,
    3.633,
    4.069,
    4.361,
    4.206,
    4.761,
    4.987,
    5.461,
    6.184
   ],
   "unit": "inr_lakh_crore"
  },
  "foreign_net_advances": {
   "name": "foreign_net_advances_inr_lakh_crore",
   "label": "Foreign banks, net advances",
   "data": [
    0.2685,
    0.2965,
    0.2949,
    0.3554,
    0.4306,
    0.487,
    0.5217,
    0.6051,
    0.7532,
    0.9756,
    1.263,
    1.611,
    1.654,
    1.633,
    1.955,
    2.298,
    2.637,
    2.911,
    3.276,
    3.636,
    3.323,
    3.51,
    3.967,
    4.281,
    4.208,
    4.655,
    4.91,
    5.484,
    6.2
   ],
   "unit": "inr_lakh_crore"
  },
  "small_finance_gnpa": {
   "name": "small_finance_gnpa_inr_lakh_crore",
   "label": "Small finance banks, gross NPAs",
   "data": [
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    0.01087,
    0.01709,
    0.05971,
    0.06911,
    0.08608,
    0.0559,
    0.09989
   ],
   "unit": "inr_lakh_crore"
  },
  "small_finance_nnpa": {
   "name": "small_finance_nnpa_inr_lakh_crore",
   "label": "Small finance banks, net NPAs",
   "data": [
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    0.00586,
    0.00765,
    0.02981,
    0.02725,
    0.01622,
    0.01796,
    0.0391
   ],
   "unit": "inr_lakh_crore"
  },
  "small_finance_gross_advances": {
   "name": "small_finance_gross_advances_inr_lakh_crore",
   "label": "Small finance banks, gross advances",
   "data": [
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    0.6278,
    0.9151,
    1.116,
    1.4,
    1.848,
    2.298,
    2.786
   ],
   "unit": "inr_lakh_crore"
  },
  "small_finance_net_advances": {
   "name": "small_finance_net_advances_inr_lakh_crore",
   "label": "Small finance banks, net advances",
   "data": [
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    0.5946,
    0.9055,
    1.086,
    1.358,
    1.779,
    2.261,
    2.725
   ],
   "unit": "inr_lakh_crore"
  }
 }
}