{
 "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": "pct",
  "coverage": "Bad loans: gross and net non-performing assets as a share of advances and of assets, for all scheduled commercial banks and each bank group, every March since 1997",
  "note": "RBI DBIE report 330 (Gross and Net NPAs of Scheduled Commercial Banks, bank group-wise), per cent, as published. Bank groups change: old and new private banks are reported apart until March 2013 and together from March 2014 (under the label \"New Private Sector Banks\"); small finance banks appear from March 2019. 56 values of the pre-2011 \"Private Sector Banks\" row that are the sum of two ratios, not a ratio, are dropped."
 },
 "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_ratio": {
   "name": "all_gnpa_ratio_pct",
   "label": "All scheduled commercial banks, gross NPA ratio (gross NPAs as a share of gross advances)",
   "data": [
    15.7,
    14.4,
    14.7,
    12.7,
    11.4,
    10.4,
    8.8,
    7.2,
    5.1,
    3.3,
    2.5,
    2.2,
    2.2,
    2.4,
    2.2,
    2.8,
    3.2,
    3.8,
    4.3,
    7.5,
    9.3,
    11.2,
    9.1,
    8.2,
    7.3,
    5.83,
    3.87,
    2.75,
    2.22
   ],
   "color": "#2E4BD8",
   "unit": "pct"
  },
  "all_nnpa_ratio": {
   "name": "all_nnpa_ratio_pct",
   "label": "All scheduled commercial banks, net NPA ratio (net NPAs as a share of net advances)",
   "data": [
    8.1,
    7.3,
    7.6,
    6.8,
    6.2,
    5.5,
    4,
    2.8,
    1.89,
    1.22,
    1.02,
    1,
    1.05,
    1.12,
    1,
    1.3,
    1.7,
    2.1,
    2.4,
    4.4,
    5.3,
    6,
    3.7,
    2.8,
    2.4,
    1.67,
    0.95,
    0.62,
    0.5
   ],
   "unit": "pct"
  },
  "all_gnpa_to_assets": {
   "name": "all_gnpa_to_assets_pct",
   "label": "All scheduled commercial banks, gross NPAs as a share of total assets",
   "data": [
    7,
    6.4,
    6.2,
    5.5,
    4.9,
    4.6,
    4.1,
    3.3,
    2.5,
    1.8,
    1.46,
    1.31,
    1.34,
    1.36,
    1.4,
    1.7,
    2,
    2.4,
    2.7,
    4.7,
    5.6,
    6.8,
    5.6,
    5,
    4.3,
    3.43,
    2.35,
    1.71,
    1.38
   ],
   "unit": "pct"
  },
  "all_nnpa_to_assets": {
   "name": "all_nnpa_to_assets_pct",
   "label": "All scheduled commercial banks, net NPAs as a share of total assets",
   "data": [
    3.3,
    3,
    2.9,
    2.7,
    2.5,
    2.3,
    1.8,
    1.2,
    0.92,
    0.67,
    0.59,
    0.57,
    0.6,
    0.65,
    0.6,
    0.8,
    1,
    1.3,
    1.5,
    2.7,
    3.1,
    3.4,
    2.1,
    1.6,
    1.3,
    0.94,
    0.56,
    0.38,
    0.31
   ],
   "unit": "pct"
  },
  "public_gnpa_ratio": {
   "name": "public_gnpa_ratio_pct",
   "label": "Public sector banks, gross NPA ratio (gross NPAs as a share of gross advances)",
   "data": [
    17.8,
    16,
    15.9,
    14,
    12.4,
    11.1,
    9.4,
    7.8,
    5.6,
    3.6,
    2.7,
    2.2,
    2,
    2.2,
    2.2,
    3,
    3.6,
    4.4,
    5,
    9.3,
    11.7,
    14.6,
    11.6,
    10.3,
    9.1,
    7.29,
    4.97,
    3.47,
    2.58
   ],
   "unit": "pct"
  },
  "public_nnpa_ratio": {
   "name": "public_nnpa_ratio_pct",
   "label": "Public sector banks, net NPA ratio (net NPAs as a share of net advances)",
   "data": [
    9.2,
    8.2,
    8.1,
    7.4,
    6.7,
    5.8,
    4.5,
    3.1,
    1.98,
    1.3,
    1.1,
    1,
    0.9,
    1.09,
    1.1,
    1.5,
    2,
    2.6,
    2.9,
    5.7,
    6.9,
    8,
    4.8,
    3.7,
    3.1,
    2.2,
    1.24,
    0.76,
    0.52
   ],
   "unit": "pct"
  },
  "public_gnpa_to_assets": {
   "name": "public_gnpa_to_assets_pct",
   "label": "Public sector banks, gross NPAs as a share of total assets",
   "data": [
    7.8,
    7,
    6.7,
    6,
    5.3,
    4.9,
    4.2,
    3.5,
    2.7,
    2.09,
    1.6,
    1.34,
    1.22,
    1.29,
    1.4,
    2,
    2.4,
    2.9,
    3.2,
    5.9,
    7,
    8.9,
    7.3,
    6.3,
    5.3,
    4.27,
    3.06,
    2.19,
    1.65
   ],
   "unit": "pct"
  },
  "public_nnpa_to_assets": {
   "name": "public_nnpa_to_assets_pct",
   "label": "Public sector banks, net NPAs as a share of total assets",
   "data": [
    3.6,
    3.3,
    3.1,
    2.9,
    2.7,
    2.4,
    1.9,
    1.3,
    0.95,
    0.72,
    0.63,
    0.59,
    0.56,
    0.67,
    0.7,
    1,
    1.3,
    1.6,
    1.8,
    3.5,
    3.9,
    4.5,
    2.8,
    2.1,
    1.7,
    1.22,
    0.73,
    0.47,
    0.32
   ],
   "unit": "pct"
  },
  "private_old_gnpa_ratio": {
   "name": "private_old_gnpa_ratio_pct",
   "label": "Old private sector banks, gross NPA ratio (gross NPAs as a share of gross advances)",
   "data": [
    10.71,
    10.92,
    13.06,
    10.78,
    10.73,
    9.96,
    8.36,
    7.59,
    5.95,
    3.74,
    2.96,
    2.3,
    2.4,
    2.32,
    1.9,
    1.8,
    1.9,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null
   ],
   "unit": "pct"
  },
  "private_old_nnpa_ratio": {
   "name": "private_old_nnpa_ratio_pct",
   "label": "Old private sector banks, net NPA ratio (net NPAs as a share of net advances)",
   "data": [
    6.65,
    6.46,
    8.96,
    7.06,
    7.16,
    6.56,
    5.15,
    3.85,
    2.71,
    1.33,
    0.89,
    0.7,
    0.9,
    0.74,
    0.5,
    0.6,
    0.7,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null
   ],
   "unit": "pct"
  },
  "private_old_gnpa_to_assets": {
   "name": "private_old_gnpa_to_assets_pct",
   "label": "Old private sector banks, gross NPAs as a share of total assets",
   "data": [
    5.23,
    5.08,
    5.78,
    5.22,
    5.04,
    4.71,
    4.09,
    3.64,
    3.14,
    2.12,
    1.75,
    1.3,
    1.3,
    1.3,
    1.2,
    1.1,
    1.2,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null
   ],
   "unit": "pct"
  },
  "private_old_nnpa_to_assets": {
   "name": "private_old_nnpa_to_assets_pct",
   "label": "Old private sector banks, net NPAs as a share of total assets",
   "data": [
    3.12,
    2.86,
    3.56,
    3.27,
    3.21,
    2.98,
    2.43,
    1.77,
    1.38,
    0.73,
    0.52,
    0.4,
    0.5,
    0.42,
    0.3,
    0.3,
    0.4,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null
   ],
   "unit": "pct"
  },
  "private_new_gnpa_ratio": {
   "name": "private_new_gnpa_ratio_pct",
   "label": "Private sector banks (new private banks to March 2013; all private banks from March 2014, as the source labels them), gross NPA ratio (gross NPAs as a share of gross advances)",
   "data": [
    2.6,
    3.5,
    6.2,
    4.1,
    5.1,
    8.61,
    7.5,
    3.78,
    2.79,
    1.74,
    1.93,
    2.53,
    3.05,
    2.87,
    2.3,
    1.9,
    1.8,
    1.8,
    2.1,
    2.8,
    4.1,
    4.7,
    5.3,
    5.5,
    4.8,
    3.85,
    2.29,
    1.86,
    1.75
   ],
   "unit": "pct"
  },
  "private_new_nnpa_ratio": {
   "name": "private_new_nnpa_ratio_pct",
   "label": "Private sector banks (new private banks to March 2013; all private banks from March 2014, as the source labels them), net NPA ratio (net NPAs as a share of net advances)",
   "data": [
    2,
    2.6,
    4.5,
    2.9,
    3.1,
    4.91,
    4.84,
    2.36,
    1.46,
    0.78,
    0.97,
    1.21,
    1.4,
    1.09,
    0.6,
    0.4,
    0.4,
    0.7,
    0.9,
    1.4,
    2.2,
    2.4,
    2,
    1.5,
    1.4,
    0.96,
    0.55,
    0.46,
    0.47
   ],
   "unit": "pct"
  },
  "private_new_gnpa_to_assets": {
   "name": "private_new_gnpa_to_assets_pct",
   "label": "Private sector banks (new private banks to March 2013; all private banks from March 2014, as the source labels them), gross NPAs as a share of total assets",
   "data": [
    1.3,
    1.5,
    2.3,
    1.6,
    2.1,
    3.91,
    3.9,
    1.83,
    1.47,
    0.96,
    1.07,
    1.4,
    1.74,
    1.59,
    1.3,
    1.1,
    1,
    1.1,
    1.3,
    1.8,
    2.6,
    3,
    3.5,
    3.6,
    3.1,
    2.45,
    1.48,
    1.23,
    1.15
   ],
   "unit": "pct"
  },
  "private_new_nnpa_to_assets": {
   "name": "private_new_nnpa_to_assets_pct",
   "label": "Private sector banks (new private banks to March 2013; all private banks from March 2014, as the source labels them), net NPAs as a share of total assets",
   "data": [
    1,
    1.1,
    1.6,
    1.1,
    1.2,
    2.1,
    2.26,
    1.1,
    0.76,
    0.43,
    0.54,
    0.66,
    0.79,
    0.59,
    0.3,
    0.2,
    0.3,
    0.4,
    0.5,
    0.8,
    1.3,
    1.5,
    1.3,
    1,
    0.9,
    0.59,
    0.35,
    0.3,
    0.3
   ],
   "unit": "pct"
  },
  "foreign_gnpa_ratio": {
   "name": "foreign_gnpa_ratio_pct",
   "label": "Foreign banks, gross NPA ratio (gross NPAs as a share of gross advances)",
   "data": [
    4.3,
    6.4,
    7.6,
    7,
    6.8,
    5.4,
    5.3,
    4.6,
    3,
    2,
    1.8,
    1.8,
    3.8,
    4.3,
    2.5,
    2.7,
    3,
    3.9,
    3.2,
    4.2,
    4,
    3.8,
    3,
    2.3,
    3.6,
    2.9,
    1.91,
    1.19,
    0.86
   ],
   "unit": "pct"
  },
  "foreign_nnpa_ratio": {
   "name": "foreign_nnpa_ratio_pct",
   "label": "Foreign banks, net NPA ratio (net NPAs as a share of net advances)",
   "data": [
    1.9,
    2.2,
    2.9,
    2.4,
    1.8,
    1.9,
    1.7,
    1.5,
    0.8,
    0.8,
    0.7,
    0.8,
    1.8,
    1.8,
    0.7,
    0.6,
    1,
    1.1,
    0.5,
    0.8,
    0.6,
    0.4,
    0.5,
    0.5,
    0.8,
    0.65,
    0.34,
    0.15,
    0.13
   ],
   "unit": "pct"
  },
  "foreign_gnpa_to_assets": {
   "name": "foreign_gnpa_to_assets_pct",
   "label": "Foreign banks, gross NPAs as a share of total assets",
   "data": [
    2.1,
    3,
    3.1,
    3.2,
    3,
    2.4,
    2.4,
    2.1,
    1.4,
    1.02,
    0.8,
    0.85,
    1.4,
    1.63,
    1,
    1.1,
    1.3,
    1.5,
    1.4,
    1.9,
    1.7,
    1.6,
    1.2,
    0.8,
    1.2,
    1,
    0.61,
    0.38,
    0.26
   ],
   "unit": "pct"
  },
  "foreign_nnpa_to_assets": {
   "name": "foreign_nnpa_to_assets_pct",
   "label": "Foreign banks, net NPAs as a share of total assets",
   "data": [
    0.9,
    1,
    1.1,
    1,
    0.8,
    0.8,
    0.8,
    0.7,
    0.42,
    0.41,
    0.34,
    0.34,
    0.67,
    0.68,
    0.3,
    0.2,
    0.4,
    0.4,
    0.2,
    0.3,
    0.3,
    0.2,
    0.2,
    0.2,
    0.3,
    0.22,
    0.11,
    0.05,
    0.04
   ],
   "unit": "pct"
  },
  "small_finance_gnpa_ratio": {
   "name": "small_finance_gnpa_ratio_pct",
   "label": "Small finance banks, gross NPA ratio (gross NPAs as a share of 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,
    1.7,
    1.9,
    5.4,
    4.94,
    4.66,
    2.43,
    3.59
   ],
   "unit": "pct"
  },
  "small_finance_nnpa_ratio": {
   "name": "small_finance_nnpa_ratio_pct",
   "label": "Small finance banks, net NPA ratio (net NPAs as a share of 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,
    1,
    0.8,
    2.7,
    2.01,
    0.91,
    0.79,
    1.43
   ],
   "unit": "pct"
  },
  "small_finance_gnpa_to_assets": {
   "name": "small_finance_gnpa_to_assets_pct",
   "label": "Small finance banks, gross NPAs as a share of total assets",
   "data": [
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    1.3,
    1.3,
    3.7,
    3.4,
    3.22,
    1.67,
    2.46
   ],
   "unit": "pct"
  },
  "small_finance_nnpa_to_assets": {
   "name": "small_finance_nnpa_to_assets_pct",
   "label": "Small finance banks, net NPAs as a share of total assets",
   "data": [
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    null,
    0.7,
    0.6,
    1.8,
    1.34,
    0.61,
    0.54,
    0.96
   ],
   "unit": "pct"
  }
 }
}