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Stability and Profits in the Banking Sector
December 18 , 2025
15 hrs 0 min
25
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- India’s banking sector recorded a 20-year low in Non-Performing Assets (NPA) and the strongest profit growth in recent years.
- Gross Non-Performing Assets (NPA) fell to 2.31% by March 2025, the lowest level in 20 years.
- Net NPA declined to 0.52%, showing better recovery and risk control.
- Public Sector Banks (PSBs) reduced Gross NPA from 9.11% in 2021 to 2.58% in 2025.
- Bank profits reached record levels, with Scheduled Commercial Banks (SCBs) earning ₹4.01 lakh crore in Financial Year (FY) 2024–25.
- Domestic deposits increased from ₹88.35 lakh crore in 2015 to ₹231.90 lakh crore in 2025.
- Capital adequacy improved, with the Capital to Risk-Weighted Assets Ratio (CRAR) rising to 17.36% in 2025.
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