{
 "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": "How bad loans move each year: gross and net NPAs at the start, added, recovered or upgraded, written off, and at the end, all banks and by bank group, 2004-05 to 2024-25",
  "note": "RBI DBIE report 1114 (Movement of NPAs of Scheduled Commercial Banks), bank by bank, summed here to all banks and to bank groups (public: nationalised banks, SBI and its associates; private: old, new and all private banks; small finance banks), ₹ lakh crore; Final where published. The report's unit column is unreliable (it lists SECONDS, LAKH TONNES and the like); values are rupees, which reconcile with report 330's bank-group NPAs."
 },
 "dates": [
  "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_gross_opening": {
   "name": "all_gross_opening_inr_lakh_crore",
   "label": "All scheduled commercial banks, gross NPAs at the start of the year",
   "data": [
    0.6431,
    0.5836,
    0.5052,
    0.5019,
    0.5484,
    0.6828,
    0.8391,
    0.9823,
    1.429,
    1.94,
    2.634,
    3.226,
    6.12,
    7.265,
    10.387,
    9.155,
    8.603,
    8.351,
    7.474,
    5.715,
    4.806
   ],
   "unit": "inr_lakh_crore"
  },
  "all_gross_additions": {
   "name": "all_gross_additions_inr_lakh_crore",
   "label": "All scheduled commercial banks, gross NPAs added during the year (fresh slippages)",
   "data": [
    0.2041,
    0.2138,
    0.2621,
    0.3498,
    0.5235,
    0.6958,
    0.7044,
    1.075,
    1.382,
    1.901,
    2.086,
    4.422,
    4.158,
    6.043,
    3.082,
    3.781,
    2.998,
    2.834,
    2.212,
    2.136,
    2.264
   ],
   "unit": "inr_lakh_crore"
  },
  "all_gross_reductions": {
   "name": "all_gross_reductions_inr_lakh_crore",
   "label": "All scheduled commercial banks, gross NPAs reduced during the year (recoveries and upgrades)",
   "data": [
    0.2288,
    0.286,
    0.2616,
    0.2795,
    0.3387,
    0.4325,
    0.4807,
    0.5724,
    0.757,
    0.9993,
    0.8847,
    0.8033,
    1.282,
    1.283,
    1.737,
    1.559,
    1.187,
    1.962,
    1.783,
    1.352,
    1.178
   ],
   "unit": "inr_lakh_crore"
  },
  "all_gross_write_offs": {
   "name": "all_gross_write_offs_inr_lakh_crore",
   "label": "All scheduled commercial banks, gross NPAs written off during the year",
   "data": [
    0.02463,
    0.0005108,
    0.0008495,
    0.009167,
    0.04984,
    0.09918,
    0.08302,
    0.05613,
    0.1135,
    0.1981,
    0.602,
    0.725,
    1.078,
    1.627,
    2.367,
    2.379,
    2.062,
    1.792,
    2.188,
    1.69,
    1.576
   ],
   "unit": "inr_lakh_crore"
  },
  "all_gross_closing": {
   "name": "all_gross_closing_inr_lakh_crore",
   "label": "All scheduled commercial banks, gross NPAs at the end of the year",
   "data": [
    0.5937,
    0.511,
    0.5049,
    0.5631,
    0.6833,
    0.847,
    0.9797,
    1.429,
    1.941,
    2.644,
    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_net_opening": {
   "name": "all_net_opening_inr_lakh_crore",
   "label": "All scheduled commercial banks, net NPAs at the start of the year",
   "data": [
    0.2412,
    0.2261,
    0.1827,
    0.2021,
    0.2423,
    0.3156,
    0.3873,
    0.4178,
    0.652,
    0.9869,
    1.424,
    1.754,
    3.499,
    3.946,
    5.207,
    3.472,
    2.769,
    2.583,
    2.044,
    1.353,
    1.067
   ],
   "unit": "inr_lakh_crore"
  },
  "all_net_closing": {
   "name": "all_net_closing_inr_lakh_crore",
   "label": "All scheduled commercial banks, net NPAs at the end of the year",
   "data": [
    0.2175,
    0.1854,
    0.2028,
    0.2473,
    0.3156,
    0.3913,
    0.418,
    0.652,
    0.9869,
    1.427,
    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"
  },
  "public_gross_opening": {
   "name": "public_gross_opening_inr_lakh_crore",
   "label": "Public sector banks, gross NPAs at the start of the year",
   "data": [
    0.5273,
    0.4761,
    0.4136,
    0.3885,
    0.3976,
    0.4496,
    0.5943,
    0.7493,
    1.178,
    1.65,
    2.273,
    2.785,
    5.4,
    6.192,
    8.4,
    7.178,
    6.466,
    6.166,
    5.422,
    4.282,
    3.395
   ],
   "unit": "inr_lakh_crore"
  },
  "public_gross_additions": {
   "name": "public_gross_additions_inr_lakh_crore",
   "label": "Public sector banks, gross NPAs added during the year (fresh slippages)",
   "data": [
    0.1602,
    0.167,
    0.1961,
    0.2409,
    0.3146,
    0.4482,
    0.5823,
    0.9315,
    1.198,
    1.639,
    1.779,
    3.86,
    3.276,
    4.882,
    2.105,
    2.385,
    1.79,
    1.399,
    0.9829,
    0.8443,
    0.8276
   ],
   "unit": "inr_lakh_crore"
  },
  "public_gross_reductions": {
   "name": "public_gross_reductions_inr_lakh_crore",
   "label": "Public sector banks, gross NPAs reduced during the year (recoveries and upgrades)",
   "data": [
    0.184,
    0.2295,
    0.22,
    0.2249,
    0.2605,
    0.2695,
    0.3711,
    0.4789,
    0.6546,
    0.8685,
    0.7568,
    0.6503,
    1.008,
    0.8228,
    1.278,
    0.9969,
    0.7505,
    0.9463,
    0.8428,
    0.6058,
    0.4748
   ],
   "unit": "inr_lakh_crore"
  },
  "public_gross_write_offs": {
   "name": "public_gross_write_offs_inr_lakh_crore",
   "label": "Public sector banks, gross NPAs written off during the year",
   "data": [
    0.01948,
    null,
    null,
    null,
    0.002093,
    0.02897,
    0.05885,
    0.02348,
    0.07187,
    0.138,
    0.5098,
    0.5944,
    0.8199,
    1.295,
    1.832,
    1.783,
    1.339,
    1.197,
    1.28,
    1.125,
    0.9118
   ],
   "gaps": [
    "2006-03-01",
    "2007-03-01",
    "2008-03-01"
   ],
   "gapsNote": "No bank of this group reported this item in this year.",
   "unit": "inr_lakh_crore"
  },
  "public_gross_closing": {
   "name": "public_gross_closing_inr_lakh_crore",
   "label": "Public sector banks, gross NPAs at the end of the year",
   "data": [
    0.484,
    0.4136,
    0.3897,
    0.4045,
    0.4496,
    0.5993,
    0.7466,
    1.178,
    1.65,
    2.283,
    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_net_opening": {
   "name": "public_net_opening_inr_lakh_crore",
   "label": "Public sector banks, net NPAs at the start of the year",
   "data": [
    0.1909,
    0.1786,
    0.1456,
    0.1532,
    0.1759,
    0.2116,
    0.2938,
    0.3607,
    0.5939,
    0.9004,
    1.304,
    1.6,
    3.205,
    3.445,
    4.258,
    2.769,
    2.198,
    1.967,
    1.547,
    1.025,
    0.7254
   ],
   "unit": "inr_lakh_crore"
  },
  "public_net_closing": {
   "name": "public_net_closing_inr_lakh_crore",
   "label": "Public sector banks, net NPAs at the end of the year",
   "data": [
    0.169,
    0.1457,
    0.1532,
    0.1784,
    0.2116,
    0.2964,
    0.3605,
    0.5939,
    0.9004,
    1.306,
    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"
  },
  "private_gross_opening": {
   "name": "private_gross_opening_inr_lakh_crore",
   "label": "Private sector banks, gross NPAs at the start of the year",
   "data": [
    0.08929,
    0.08565,
    0.07234,
    0.09102,
    0.1244,
    0.1689,
    0.1734,
    0.1824,
    0.1877,
    0.2107,
    0.2454,
    0.3336,
    0.5619,
    0.9321,
    1.849,
    1.837,
    2.017,
    1.975,
    1.808,
    1.252,
    1.292
   ],
   "unit": "inr_lakh_crore"
  },
  "private_gross_additions": {
   "name": "private_gross_additions_inr_lakh_crore",
   "label": "Private sector banks, gross NPAs added during the year (fresh slippages)",
   "data": [
    0.03356,
    0.03584,
    0.0518,
    0.07658,
    0.1274,
    0.1482,
    0.08686,
    0.09874,
    0.1424,
    0.1938,
    0.2668,
    0.4827,
    0.8134,
    1.077,
    0.9053,
    1.311,
    1.025,
    1.258,
    1.101,
    1.168,
    1.217
   ],
   "unit": "inr_lakh_crore"
  },
  "private_gross_reductions": {
   "name": "private_gross_reductions_inr_lakh_crore",
   "label": "Private sector banks, gross NPAs reduced during the year (recoveries and upgrades)",
   "data": [
    0.03342,
    0.04325,
    0.03158,
    0.0376,
    0.0499,
    0.09994,
    0.05446,
    0.06083,
    0.07825,
    0.1028,
    0.09887,
    0.1352,
    0.2365,
    0.408,
    0.4275,
    0.5134,
    0.3858,
    0.8947,
    0.8167,
    0.6465,
    0.5968
   ],
   "unit": "inr_lakh_crore"
  },
  "private_gross_write_offs": {
   "name": "private_gross_write_offs_inr_lakh_crore",
   "label": "Private sector banks, gross NPAs written off during the year",
   "data": [
    0.001605,
    0.0001196,
    0.0000084,
    0.0000175,
    0.0326,
    0.04073,
    0.02339,
    0.03262,
    0.04115,
    0.05632,
    0.07229,
    0.1193,
    0.2066,
    0.3075,
    0.491,
    0.5395,
    0.6811,
    0.5309,
    0.8395,
    0.482,
    0.5854
   ],
   "unit": "inr_lakh_crore"
  },
  "private_gross_closing": {
   "name": "private_gross_closing_inr_lakh_crore",
   "label": "Private sector banks, gross NPAs at the end of the year",
   "data": [
    0.08782,
    0.07811,
    0.09255,
    0.13,
    0.1693,
    0.1764,
    0.1824,
    0.1877,
    0.2107,
    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_net_opening": {
   "name": "private_net_opening_inr_lakh_crore",
   "label": "Private sector banks, net NPAs at the start of the year",
   "data": [
    0.04181,
    0.04104,
    0.02897,
    0.03969,
    0.0538,
    0.07412,
    0.06373,
    0.04432,
    0.04401,
    0.05994,
    0.08862,
    0.1368,
    0.2668,
    0.4778,
    0.9305,
    0.6737,
    0.5425,
    0.5538,
    0.4374,
    0.2951,
    0.3159
   ],
   "unit": "inr_lakh_crore"
  },
  "private_net_closing": {
   "name": "private_net_closing_inr_lakh_crore",
   "label": "Private sector banks, net NPAs at the end of the year",
   "data": [
    0.04212,
    0.0317,
    0.04028,
    0.05647,
    0.07412,
    0.06506,
    0.04432,
    0.04401,
    0.05994,
    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"
  },
  "foreign_gross_opening": {
   "name": "foreign_gross_opening_inr_lakh_crore",
   "label": "Foreign banks, gross NPAs at the start of the year",
   "data": [
    0.02649,
    0.02191,
    0.01928,
    0.02241,
    0.02638,
    0.06437,
    0.07134,
    0.05069,
    0.06297,
    0.07965,
    0.1156,
    0.1076,
    0.1581,
    0.1363,
    0.1273,
    0.1225,
    0.1021,
    0.1504,
    0.1379,
    0.09474,
    0.06523
   ],
   "unit": "inr_lakh_crore"
  },
  "foreign_gross_additions": {
   "name": "foreign_gross_additions_inr_lakh_crore",
   "label": "Foreign banks, gross NPAs added during the year (fresh slippages)",
   "data": [
    0.01032,
    0.01095,
    0.01417,
    0.0323,
    0.08148,
    0.09944,
    0.03527,
    0.04494,
    0.04152,
    0.06796,
    0.04097,
    0.07963,
    0.06605,
    0.0702,
    0.06114,
    0.06751,
    0.1284,
    0.08323,
    0.05971,
    0.05206,
    0.07256
   ],
   "unit": "inr_lakh_crore"
  },
  "foreign_gross_reductions": {
   "name": "foreign_gross_reductions_inr_lakh_crore",
   "label": "Foreign banks, gross NPAs reduced during the year (recoveries and upgrades)",
   "data": [
    0.01135,
    0.0132,
    0.009977,
    0.01697,
    0.02828,
    0.063,
    0.05514,
    0.03262,
    0.02419,
    0.02808,
    0.02903,
    0.0179,
    0.03637,
    0.04736,
    0.02557,
    0.03792,
    0.04698,
    0.06556,
    0.07342,
    0.05491,
    0.06101
   ],
   "unit": "inr_lakh_crore"
  },
  "foreign_gross_write_offs": {
   "name": "foreign_gross_write_offs_inr_lakh_crore",
   "label": "Foreign banks, gross NPAs written off during the year",
   "data": [
    0.003548,
    0.0003911,
    0.0008411,
    0.00915,
    0.01514,
    0.02948,
    0.0007793,
    0.00003631,
    0.000527,
    0.003874,
    0.01988,
    0.01129,
    0.05144,
    0.02063,
    0.04048,
    0.05002,
    0.03308,
    0.03466,
    0.0289,
    0.02666,
    0.02357
   ],
   "unit": "inr_lakh_crore"
  },
  "foreign_gross_closing": {
   "name": "foreign_gross_closing_inr_lakh_crore",
   "label": "Foreign banks, gross NPAs at the end of the year",
   "data": [
    0.02192,
    0.01928,
    0.02263,
    0.02859,
    0.06445,
    0.07134,
    0.05069,
    0.06297,
    0.07977,
    0.1157,
    0.1076,
    0.1581,
    0.1363,
    0.1385,
    0.1224,
    0.1021,
    0.1504,
    0.1379,
    0.09526,
    0.06523,
    0.05321
   ],
   "unit": "inr_lakh_crore"
  },
  "foreign_net_opening": {
   "name": "foreign_net_opening_inr_lakh_crore",
   "label": "Foreign banks, net NPAs at the start of the year",
   "data": [
    0.008504,
    0.006488,
    0.008045,
    0.009147,
    0.01254,
    0.02997,
    0.02977,
    0.01285,
    0.01412,
    0.02663,
    0.03166,
    0.01758,
    0.02762,
    0.02137,
    0.01345,
    0.02051,
    0.02087,
    0.03241,
    0.03027,
    0.01666,
    0.008117
   ],
   "unit": "inr_lakh_crore"
  },
  "foreign_net_closing": {
   "name": "foreign_net_closing_inr_lakh_crore",
   "label": "Foreign banks, net NPAs at the end of the year",
   "data": [
    0.006391,
    0.008076,
    0.009275,
    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"
  },
  "small_finance_gross_opening": {
   "name": "small_finance_gross_opening_inr_lakh_crore",
   "label": "Small finance banks, gross NPAs at the start of the year",
   "data": [
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    0.0006368,
    0.004126,
    0.01014,
    0.0166,
    0.01709,
    0.05971,
    0.1068,
    0.08608,
    0.05391
   ],
   "unit": "inr_lakh_crore"
  },
  "small_finance_gross_additions": {
   "name": "small_finance_gross_additions_inr_lakh_crore",
   "label": "Small finance banks, gross NPAs added during the year (fresh slippages)",
   "data": [
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    0.002867,
    0.01378,
    0.01046,
    0.01764,
    0.0547,
    0.09384,
    0.06901,
    0.07152,
    0.1461
   ],
   "unit": "inr_lakh_crore"
  },
  "small_finance_gross_reductions": {
   "name": "small_finance_gross_reductions_inr_lakh_crore",
   "label": "Small finance banks, gross NPAs reduced during the year (recoveries and upgrades)",
   "data": [
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    0.001025,
    0.00482,
    0.005623,
    0.01046,
    0.003767,
    0.05543,
    0.05007,
    0.04507,
    0.04522
   ],
   "unit": "inr_lakh_crore"
  },
  "small_finance_gross_write_offs": {
   "name": "small_finance_gross_write_offs_inr_lakh_crore",
   "label": "Small finance banks, gross NPAs written off during the year",
   "data": [
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    0.0002733,
    0.004154,
    0.004111,
    0.006689,
    0.008321,
    0.029,
    0.0397,
    0.05662,
    0.05486
   ],
   "unit": "inr_lakh_crore"
  },
  "small_finance_gross_closing": {
   "name": "small_finance_gross_closing_inr_lakh_crore",
   "label": "Small finance banks, gross NPAs at the end of the year",
   "data": [
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    0.002205,
    0.008934,
    0.01087,
    0.01709,
    0.05971,
    0.06911,
    0.08608,
    0.0559,
    0.09989
   ],
   "unit": "inr_lakh_crore"
  },
  "small_finance_net_opening": {
   "name": "small_finance_net_opening_inr_lakh_crore",
   "label": "Small finance banks, net NPAs at the start of the year",
   "data": [
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    0.0004568,
    0.002344,
    0.00515,
    0.008536,
    0.007646,
    0.02981,
    0.02921,
    0.01622,
    0.01718
   ],
   "unit": "inr_lakh_crore"
  },
  "small_finance_net_closing": {
   "name": "small_finance_net_closing_inr_lakh_crore",
   "label": "Small finance banks, net NPAs at the end of the year",
   "data": [
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    0.001147,
    0.004364,
    0.005856,
    0.007646,
    0.02981,
    0.02725,
    0.01622,
    0.01796,
    0.0391
   ],
   "unit": "inr_lakh_crore"
  }
 }
}