Reserve Bank of India (RBI) records double-digit deposit and credit growth alongside lowest gross NPAs in decades.

Key facts

• Commercial, co-operative and other financial institutions expanded balance sheets, though at a marginally slower pace than the previous year.
• Aggregate deposits and bank credit grew at a double-digit rate during 2024-25.
• Gross non-performing assets fell to 2.2% by March 2025 and further to 2.1% by September 2025, marking the lowest level in many decades.
• Capital to risk-weighted assets ratio for major commercial banks stood at 17.4% in March 2025 and 17.2% in September 2025.
• Return on assets was 1.4% in 2024-25 and moderated to 1.3% in the first half of 2025-26.
• Urban co-operative banks posted faster balance sheet growth, improved asset quality for the fourth straight year, and raised savings and profits.
• Non-banking financial companies reported double-digit credit growth, better loan quality and maintained strong financial buffers.