Lok Sabha Question No. 3831 (UNSTARRED), answered on 2026-03-16
Subject: Low Recovery Rates of NPAs of Big Borrowers
Ministry: FINANCE
Asked by: Shri Subbarayan K, Com. Selvaraj V

## GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA UNSTARRED QUESTION NO- 3831

ANSWERED ON MONDAY, 16 MARCH, 2026/PHALGUNA 25, 1947 (SAKA)

## Low Recovery Rates of NPAs of Big Borrowers

3831. SHRI SUBBARAYAN K: COM. SELVARAJ V:

Will the Minister of FINANCE be pleased to state:-

- a) the details of non-performing assets (NPAs) during the last five years, bank-wise and sectorwise;
2. (b) the recovery rate of big corporate borrowers and the small borrowers; and
3. (c)  the  reason  for  the  recovery  rates  of  big  borrowers  remaining  disproportionately  low compared to coercive recovery action against small borrowers?

## ANSWER

THE MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI PANKAJ CHAUDHARY)

- (a):  Bank-wise  and  sector-wise  details  of  gross  NPAs  of  Public  Sector  Banks,  Private  Sector Banks, Foreign Banks and Small Finance Banks for the last five financial years (FYs) and as on 31.12.2025, are at Annex .
- (b)  and  (c):  Reserve  Bank  of  India  has  apprised  that  the  information  regarding  category 'big corporate borrowers' and 'small borrowers' is not maintained by it. However, the recovery rate i.e.  recovery in NPA accounts during the FY (including recovery from written-off loans) as a percentage  of  gross  NPAs  as  at  the  beginning  of  FY  for  the  aforesaid  bank  groups,  has increased from 12.76% in FY2020-21 to 26.15% in FY2024-25.

*****

Annex

## Lok Sabha Unstarred question no. 3831, regarding low recovery rates of NPAs of Big Borrowers

## Sector-wise details of NPAs by Public Sector Banks, Private Sector Banks, Foreign Banks and Small Finance Banks

(Amounts in crore Rupees)

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|                                                | Industry - GNPAs   | Industry - GNPAs   | Industry - GNPAs   | Industry - GNPAs   | Industry - GNPAs   | Industry - GNPAs   | Services - GNPAs   | Services - GNPAs   | Services - GNPAs   | Services - GNPAs   | Services - GNPAs   | Services - GNPAs   |
|------------------------------------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|
| Bank                                           | 31-03-2021         | 31-03-2022         | 31-03-2023         | 31-03-2024         | 31-03-2025         | 31-12-2025         | 31-03-2021         | 31-03-2022         | 31-03-2023         | 31-03-2024         | 31-03-2025         | 31-12-2025         |
| AMERICAN EXPRESS BANKING CORP.                 | 11                 | 25                 | 55                 | 39                 | 46                 | 30                 | 80                 | 101                | 154                | 137                | 150                | 129                |
| AU SMALL FINANCE BANK LIMITED                  | 101                | 67                 | 79                 | 97                 | 189                | 266                | 1,106              | 645                | 622                | 707                | 1,149              | 1,435              |
| AUSTRALIA AND NEWZEALAND BANKING GROUP LIMITED |                    |                    | -                  | -                  | -                  | -                  | 25                 | 25                 | -                  | -                  | -                  | -                  |
| AXIS BANK LIMITED                              | 9,721              | 7,830              | 6,722              | 4,440              | 3,037              | 2,949              | 4,062              | 3,418              | 2,860              | 2,387              | 1,279              | 1,208              |
| BANDHAN BANK LIMITED                           | 887                | 775                | 1,073              | 850                | 997                | 549                | 1,984              | 2,055              | 2,586              | 2,845              | 3,752              | 2,223              |
| BANK OF BAHRAIN & KUWAIT B.S.C.                | 13                 | 17                 | 17                 | 17                 | 5                  | 4                  | -                  | -                  | -                  | -                  | -                  | -                  |
| BANK OF BARODA                                 | 24,173             | 13,860             | 8,269              | 4,129              | 3,277              | 2,403              | 14,434             | 12,032             | 6,358              | 9,313              | 8,254              | 7,747              |
| BANK OF CEYLON                                 | 0                  | -                  | 0                  | -                  | -                  | -                  | 33                 | 54                 | 49                 | 48                 | 36                 | 13                 |
| BANK OF INDIA                                  | 17,792             | 13,110             | 9,864              | 6,890              | 2,918              | 2,262              | 18,488             | 15,178             | 12,916             | 9,993              | 7,117              | 4,698              |
| BANK OF MAHARASHTRA                            | 1,235              | 857                | 275                | 219                | 184                | 107                | 2,319              | 1,272              | 1,418              | 962                | 851                | 671                |
| BANK OF NOVA SCOTIA                            | 63                 | 63                 | -                  | -                  | -                  | -                  | -                  | -                  | -                  | -                  | -                  | -                  |
| BARCLAYS BANK PLC                              | 218                | 55                 | 0                  | 0                  | -                  | -                  | 51                 | 57                 | 31                 | -                  | -                  | -                  |
| BNP PARIBAS                                    |                    |                    | -                  | -                  | -                  | -                  | 7                  | 6                  | -                  | -                  | -                  | -                  |
| CANARA BANK                                    | 17,696             | 16,477             | 15,464             | 14,880             | 10,553             | 7,925              | 14,258             | 11,522             | 16,070             | 11,463             | 9,102              | 7,571              |
| CAPITAL SMALL FINANCE BANK LIMITED             | -                  | -                  | 5                  | 2                  | 9                  | 9                  | -                  | -                  | 50                 | 46                 | 44                 | 55                 |
| CENTRAL BANK OF INDIA                          | 14,118             | 13,208             | 5,918              | 2,699              | 2,192              | 1,779              | 7,267              | 6,673              | 5,899              | 4,453              | 2,373              | 2,595              |
| CITIBANK N.A                                   | 230                | 197                | 167                | 165                | 74                 | 74                 | 100                | 60                 | 37                 | 31                 | 31                 | 31                 |
| CITY UNION BANK LIMITED                        | 744                | 555                | 594                | 612                | 610                | 448                | 501                | 592                | 505                | 243                | 272                | 317                |
| COOPERATIEVE RABOBANK U.A.                     | 120                | 48                 | 104                | -                  | -                  | -                  | 150                | -                  | -                  | -                  | -                  | -                  |
| CREDIT AGRICOLE CORPORATE AND INVESTMENT BANK  | 3                  | 3                  | 3                  | 3                  | 3                  | 3                  | -                  | -                  | -                  | -                  | -                  | -                  |
| CSB BANK LIMITED                               | 84                 | 66                 | 54                 | 119                | 167                | 294                | 162                | 99                 | 94                 | 88                 | 70                 | 106                |
| CTBC BANK CO., LTD.                            | 2                  | 1                  | 1                  | -                  | -                  | -                  | -                  | -                  | -                  | -                  | -                  | -                  |
| DBS BANK INDIA LIMITED                         | 311                | 1,744              | 1,757              | 900                | 762                | 442                | 146                | 1,550              | 894                | 693                | 569                | 437                |
| DCB BANK LIMITED                               | 160                | 159                | 238                | 229                | 225                | 206                | 565                | 629                | 527                | 565                | 569                | 485                |
| DEUTSCHE BANK AG                               | 352                | 519                | 437                | 266                | 261                | 230                | 524                | 1,576              | 837                | 381                | 331                | 332                |
| DHANLAXMI BANK LIMITED                         | 181                | 91                 | 87                 | 91                 | 136                | 116                | 322                | 337                | 343                | 220                | 143                | 119                |

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|                                          | Industry - GNPAs   | Industry - GNPAs   | Industry - GNPAs   | Industry - GNPAs   | Industry - GNPAs   | Industry - GNPAs   | Services - GNPAs   | Services - GNPAs   | Services - GNPAs   | Services - GNPAs   | Services - GNPAs   | Services - GNPAs   |
|------------------------------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|
| Bank                                     | 31-03-2021         | 31-03-2022         | 31-03-2023         | 31-03-2024         | 31-03-2025         | 31-12-2025         | 31-03-2021         | 31-03-2022         | 31-03-2023         | 31-03-2024         | 31-03-2025         | 31-12-2025         |
| DOHA BANK Q.P.S.C.                       | 18                 | 18                 | 18                 | -                  | -                  | -                  | 9                  | 9                  | 9                  | 9                  | 9                  | 9                  |
| EQUITAS SMALL FINANCE BANK LIMITED       |                    |                    | 39                 | 31                 | 72                 | 93                 | 286                | 309                | 106                | 184                | 331                | 404                |
| ESAF SMALL FINANCE BANK LIMITED          | 105                | 138                | 35                 | 73                 | 35                 | 20                 | 126                | 199                | 96                 | 131                | 110                | 100                |
| FEDERAL BANK LTD                         | 1,154              | 783                | 950                | 982                | 859                | 899                | 934                | 989                | 919                | 919                | 930                | 1,092              |
| FINCARE SMALL FINANCE BANK LIMITED       | 153                | 283                | 3                  | 4                  |                    |                    | 86                 | 4                  | 9                  | 25                 |                    |                    |
| FIRSTRAND BANK LTD                       |                    | -                  | -                  | -                  | -                  | -                  | 28                 | -                  | -                  | -                  | -                  | -                  |
| HDFC BANK LTD.                           | 2,525              | 3,115              | 3,231              | 4,325              | 4,907              | 6,007              | 5,580              | 4,941              | 5,966              | 13,305             | 12,670             | 10,200             |
| HONGKONG AND SHANGHAI BANKING CORPN.LTD. | 79                 | 54                 |                    |                    |                    |                    | 215                | 196                |                    |                    |                    |                    |
| ICICI BANK LIMITED                       | 17,663             | 15,065             | 13,034             | 10,226             | 6,861              | 6,629              | 7,811              | 5,439              | 4,142              | 4,090              | 4,118              | 4,402              |
| IDBI BANK LIMITED                        | 22,725             | 22,118             | 3,191              | 2,862              | 1,503              | 1,161              | 5,204              | 4,430              | 1,634              | 1,606              | 1,309              | 1,342              |
| IDFC FIRST BANK LIMITED                  | 607                | 1,785              | 1,433              | 954                | 809                | 894                | 1,785              | 860                | 880                | 942                | 802                | 1,014              |
| INDIAN BANK                              | 20,724             | 17,621             | 8,308              | 4,748              | 3,352              | 2,699              | 5,207              | 4,852              | 7,314              | 5,625              | 4,447              | 2,914              |
| INDIAN OVERSEAS BANK                     | 8,322              | 6,923              | 5,502              | 1,465              | 1,022              | 769                | 2,511              | 2,427              | 2,222              | 1,051              | 516                | 488                |
| INDUSIND BANK LTD                        | 747                | 777                | 945                | 1,090              | 1,161              | 1,497              | 3,350              | 2,762              | 2,129              | 2,075              | 2,437              | 2,808              |
| INDUSTRIAL ANDCOMMERCIAL BANK OF CHINA   | -                  |                    | -                  | -                  | -                  | 34                 | -                  | -                  | -                  | -                  | -                  | -                  |
| JAMMU& KASHMIR BANK LTD                  | 2,643              | 2,321              | 1,428              | 906                | 776                | 575                | 3,197              | 3,275              | 2,784              | 2,311              | 2,140              | 2,200              |
| JANA SMALL FINANCE BANK LIMITED          | 50                 | 10                 | 16                 | 16                 | 50                 | 32                 | 97                 | 48                 | 105                | 85                 | 200                | 176                |
| KARNATAKA BANK LTD                       | 592                | 482                | 451                | 478                | 429                | 428                | 884                | 852                | 857                | 943                | 792                | 813                |
| KARUR VYSYA BANK LTD                     | 1,887              | 1,345              | 436                | 338                | 166                | 162                | 1,560              | 1,380              | 576                | 278                | 227                | 302                |
| KEB HANA BANK                            | 40                 | 40                 | 40                 | 40                 | -                  | -                  | -                  | -                  | -                  | -                  | -                  | -                  |
| KOOKMIN BANK                             |                    |                    | -                  | -                  | -                  | -                  | -                  | -                  | -                  | 10                 | -                  | -                  |
| KOTAK MAHINDRA BANK LTD.                 | 2,156              | 1,861              | 1,271              | 905                | 726                | 757                | 2,190              | 1,626              | 1,230              | 1,521              | 1,596              | 1,966              |
| LAKSHMI VILAS BANK LTD                   | 1,481              |                    |                    |                    |                    |                    | 1,546              |                    |                    |                    |                    |                    |
| MIZUHO BANK LTD                          | 6                  | 6                  | 6                  | 6                  | -                  | -                  | -                  | -                  | -                  | -                  | -                  | -                  |
| NAINITAL BANK LTD                        | 270                | 160                | 155                | 146                | 133                | 135                | 142                | 109                | 81                 | 77                 | 67                 | 69                 |
| NORTH EAST SMALL FINANCE BANK LIMITED    | 8                  | 10                 | 25                 | 8                  | 37                 |                    | 97                 | 93                 | 165                | 6                  | 16                 |                    |
| PT BANK MAYBANK INDONESIA TBK            | 18                 | -                  | -                  | -                  | -                  | -                  | -                  | -                  | -                  | -                  | -                  | -                  |
| PUNJAB AND SIND BANK                     | 3,279              | 2,644              | 1,697              | 1,272              | 711                | 547                | 4,477              | 4,379              | 2,446              | 1,597              | 1,002              | 788                |
| PUNJAB NATIONAL BANK                     | 47,614             | 36,221             | 26,573             | 14,741             | 9,995              | 7,832              | 21,285             | 25,523             | 20,633             | 15,270             | 13,380             | 12,260             |
| QATAR NATIONAL BANK (Q.P.S.C)            |                    |                    | -                  | -                  | -                  | -                  | 50                 | 53                 | 52                 | -                  | -                  | -                  |
| RBL BANK LTD                             | 650                | 711                | 880                | 716                | 288                | 244                | 455                | 484                | 709                | 620                | 329                | 295                |
| SBERBANK                                 | 92                 | 41                 | 22                 | 22                 | 14                 | -                  | -                  | -                  | -                  | -                  | -                  | -                  |

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|                                                      | Industry - GNPAs   | Industry - GNPAs   | Industry - GNPAs   | Industry - GNPAs   | Industry - GNPAs   | Industry - GNPAs   | Services - GNPAs   | Services - GNPAs   | Services - GNPAs   | Services - GNPAs   | Services - GNPAs   | Services - GNPAs   |
|------------------------------------------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|
| Bank                                                 | 31-03-2021         | 31-03-2022         | 31-03-2023         | 31-03-2024         | 31-03-2025         | 31-12-2025         | 31-03-2021         | 31-03-2022         | 31-03-2023         | 31-03-2024         | 31-03-2025         | 31-12-2025         |
| SBM BANK (INDIA) LIMITED                             | 87                 | 85                 | 76                 | 86                 | 93                 | 34                 | -                  | 2                  | -                  | -                  | 11                 | 47                 |
| SHINHAN BANK                                         | 15                 | 1                  | 1                  | -                  | -                  | -                  | 100                | 139                | 139                | 3                  | 3                  | 6                  |
| SHIVALIK SMALL FINANCE BANK LIMITED                  |                    | 1                  | -                  | 0                  | 1                  | 2                  |                    | 6                  | -                  | 4                  | 16                 | 22                 |
| SLICE SMALL FINANCE BANK LIMITED                     |                    |                    |                    |                    |                    | 44                 |                    |                    |                    |                    |                    | 22                 |
| SOCIETE GENERALE                                     | 79                 | 79                 | 79                 | 6                  | 4                  | 4                  | -                  | -                  | -                  | -                  | -                  | -                  |
| SOUTH INDIAN BANK LTD                                | 1,378              | 876                | 981                | 755                | 585                | 443                | 1,697              | 1,611              | 1,590              | 1,701              | 1,123              | 1,008              |
| STANDARD CHARTERED BANK                              | 1,937              | 1,202              | 957                | 663                | 620                | 470                | 2,179              | 2,015              | 1,720              | 1,491              | 1,007              | 952                |
| STATE BANK OF INDIA                                  | 57,077             | 51,716             | 33,802             | 27,994             | 21,433             | 16,895             | 27,205             | 20,183             | 15,930             | 14,146             | 11,989             | 12,846             |
| SURYODAY SMALL FINANCE BANK LIMITED                  | 2                  | 1                  | 0                  | 3                  | 2                  | 6                  | 223                | 341                | 8                  | 13                 | 142                | 188                |
| TAMILNAD MERCANTILE BANK LTD                         | 385                | 188                | 220                | 271                | 276                | 251                | 495                | 277                | 187                | 223                | 201                | 145                |
| THEHONGKONG AND SHANGHAI BANKING CORPORATION LIMITED |                    |                    | 57                 | 44                 | 54                 | 57                 |                    |                    | 198                | 189                | 203                | 206                |
| UCO BANK                                             | 1,699              | 1,238              | 636                | 167                | 104                | 129                | 3,425              | 2,684              | 2,334              | 2,422              | 2,123              | 1,828              |
| UJJIVAN SMALL FINANCE BANK LIMITED                   | 59                 | 111                | 69                 | 61                 | 58                 | 65                 | 191                | 400                | 133                | 91                 | 138                | 183                |
| UNION BANK OF INDIA                                  | 44,219             | 36,644             | 22,358             | 13,189             | 9,623              | 6,507              | 20,942             | 18,779             | 16,423             | 9,227              | 6,650              | 5,140              |
| UNITED OVERSEAS BANK LTD                             |                    |                    | -                  | -                  | -                  | -                  | 75                 | 75                 | 55                 | -                  | -                  | -                  |
| UNITY SMALL FINANCE BANK LIMITED                     |                    | 332                | 358                | 51                 | 100                | 223                |                    | 2,985              | 2,952              | 170                | 217                | 376                |
| UTKARSH SMALL FINANCE BANK LIMITED                   | 6                  | 39                 | 2                  | 10                 | 26                 | 60                 | 87                 | 138                | 4                  | 24                 | 132                | 226                |
| WOORI BANK                                           |                    |                    | -                  | 58                 | -                  | -                  | -                  | -                  | 8                  | 8                  | -                  | -                  |
| YES BANK LTD.                                        | 13,074             | 12,933             | 1,437              | 1,132              | 1,024              | 881                | 12,469             | 12,025             | 926                | 1,148              | 1,051              | 1,112              |

Source: RBI

## (Amounts in crore Rupees)

| Bank                                   | Agriculture and Allied Activities - GNPAs   | Agriculture and Allied Activities - GNPAs   | Agriculture and Allied Activities - GNPAs   | Agriculture and Allied Activities - GNPAs   | Agriculture and Allied Activities - GNPAs   | Agriculture and Allied Activities - GNPAs   | Retail Loans - GNPAs   | Retail Loans - GNPAs   | Retail Loans - GNPAs   | Retail Loans - GNPAs   | Retail Loans - GNPAs   | Retail Loans - GNPAs   |
|----------------------------------------|---------------------------------------------|---------------------------------------------|---------------------------------------------|---------------------------------------------|---------------------------------------------|---------------------------------------------|------------------------|------------------------|------------------------|------------------------|------------------------|------------------------|
| Bank                                   | 31-03-2021                                  | 31-03-2022                                  | 31-03-2023                                  | 31-03-2024                                  | 31-03-2025                                  | 31-12-2025                                  | 31-03-2021             | 31-03-2022             | 31-03-2023             | 31-03-2024             | 31-03-2025             | 31-12-2025             |
| AMERICAN EXPRESS BANKING CORP.         | -                                           | -                                           | -                                           | -                                           | -                                           | -                                           | 162                    | 101                    | 79                     | 86                     | 99                     | 89                     |
| AU SMALL FINANCE BANK LIMITED          | 213                                         | 142                                         | 173                                         | 187                                         | 516                                         | 559                                         | 83                     | 70                     | 108                    | 247                    | 622                    | 620                    |
| AXIS BANK LIMITED                      | 1,862                                       | 2,118                                       | 2,086                                       | 2,107                                       | 3,228                                       | 4,766                                       | 3,999                  | 3,294                  | 3,909                  | 4,133                  | 6,002                  | 7,381                  |
| BANDHAN BANK LIMITED                   | 2,207                                       | 949                                         | 531                                         | 430                                         | 553                                         | 660                                         | 655                    | 827                    | 1,108                  | 660                    | 1,134                  | 1,373                  |
| BANK OF BAHRAIN &KUWAIT B.S.C.         | -                                           | -                                           | -                                           | -                                           | -                                           | -                                           | 1                      | 1                      | 2                      | 2                      | 1                      | 1                      |
| BANK OF BARODA                         | 8,450                                       | 9,113                                       | 8,656                                       | 6,798                                       | 7,599                                       | 8,443                                       | 3,044                  | 3,686                  | 3,296                  | 3,201                  | 4,569                  | 5,458                  |
| BANK OF CEYLON                         | -                                           | -                                           | -                                           | -                                           | -                                           | -                                           |                        |                        | -                      | 0                      | -                      | -                      |
| BANK OF INDIA                          | 8,599                                       | 8,777                                       | 9,408                                       | 9,673                                       | 9,389                                       | 8,154                                       | 2,123                  | 2,058                  | 2,062                  | 2,273                  | 1,937                  | 1,466                  |
| BANK OF MAHARASHTRA                    | 3,450                                       | 2,845                                       | 2,332                                       | 2,426                                       | 2,950                                       | 3,312                                       | 682                    | 352                    | 294                    | 221                    | 194                    | 294                    |
| CANARA BANK                            | 9,467                                       | 8,447                                       | 7,400                                       | 8,541                                       | 8,375                                       | 6,954                                       | 2,087                  | 1,825                  | 2,036                  | 2,329                  | 2,301                  | 1,451                  |
| CAPITAL SMALL FINANCE BANK LIMITED     | 29                                          | 44                                          | 63                                          | 73                                          | 89                                          | 111                                         | 1                      | 1                      | 35                     | 50                     | 43                     | 45                     |
| CENTRAL BANK OF INDIA                  | 5,349                                       | 6,053                                       | 5,039                                       | 3,322                                       | 3,659                                       | 3,384                                       | 2,542                  | 2,223                  | 1,531                  | 867                    | 1,000                  | 968                    |
| CITIBANK N.A                           | 105                                         | 101                                         | -                                           | -                                           | -                                           | 17                                          | 555                    | 401                    | 3                      | -                      | -                      | -                      |
| CITY UNION BANK LIMITED                | 169                                         | 176                                         | 214                                         | 228                                         | 176                                         | 124                                         | 208                    | 220                    | 233                    | 244                    | 197                    | 180                    |
| COOPERATIEVE RABOBANK U.A.             | 103                                         | 103                                         | -                                           | -                                           | -                                           | -                                           |                        |                        | -                      | -                      | -                      | -                      |
| CSB BANK LIMITED                       | 15                                          | 21                                          | 26                                          | 59                                          | 116                                         | 181                                         | 132                    | 103                    | 89                     | 96                     | 122                    | 126                    |
| DBS BANK INDIA LIMITED                 | -                                           | 197                                         | 10                                          | 43                                          | 52                                          | 29                                          | 31                     | 112                    | 111                    | 156                    | 155                    | 147                    |
| DCB BANK LIMITED                       | 136                                         | 201                                         | 193                                         | 232                                         | 297                                         | 362                                         | 223                    | 301                    | 165                    | 327                    | 464                    | 515                    |
| DEUTSCHE BANK AG                       | -                                           | -                                           | -                                           | -                                           | -                                           | -                                           | 580                    | 636                    | 474                    | 114                    | 51                     | 31                     |
| DHANLAXMI BANK LIMITED                 | 29                                          | 27                                          | 19                                          | 16                                          | 11                                          | 8                                           | 124                    | 78                     | 62                     | 84                     | 65                     | 83                     |
| EQUITAS SMALL FINANCE BANK LIMITED     | 80                                          | 166                                         | 121                                         | 190                                         | 209                                         | 262                                         | 277                    | 361                    | 457                    | 415                    | 455                    | 358                    |
| ESAF SMALL FINANCE BANK LIMITED        | 255                                         | 374                                         | 174                                         | 626                                         | 974                                         | 732                                         | 79                     | 240                    | 47                     | 63                     | 171                    | 315                    |
| FEDERAL BANK LTD                       | 916                                         | 1,045                                       | 900                                         | 803                                         | 855                                         | 1,013                                       | 1,246                  | 1,130                  | 1,209                  | 1,617                  | 1,732                  | 1,443                  |
| FINCARE SMALL FINANCE BANK LIMITED     | 36                                          | 50                                          | 152                                         | 96                                          |                                             |                                             | 78                     | 236                    | 125                    | 74                     |                        |                        |
| HDFC BANK LTD.                         | 3,448                                       | 4,193                                       | 4,931                                       | 5,390                                       | 8,669                                       | 10,715                                      | 3,258                  | 3,657                  | 3,857                  | 7,928                  | 8,824                  | 8,106                  |
| HONGKONGANDSHANGHAI BANKING CORPN.LTD. | 87                                          | 86                                          |                                             |                                             |                                             |                                             | 532                    | 308                    |                        |                        |                        |                        |
| ICICI BANK LIMITED                     | 2,058                                       | 2,973                                       | 2,929                                       | 3,589                                       | 4,366                                       | 4,965                                       | 7,628                  | 5,618                  | 5,758                  | 6,764                  | 7,031                  | 6,254                  |
| IDBI BANK LIMITED                      | 2,584                                       | 2,676                                       | 2,765                                       | 2,588                                       | 2,378                                       | 2,424                                       | 697                    | 763                    | 802                    | 988                    | 1,026                  | 1,248                  |
| IDFC FIRST BANK LIMITED                | 143                                         | 283                                         | 135                                         | 214                                         | 838                                         | 537                                         | 1,768                  | 1,541                  | 1,436                  | 1,608                  | 1,984                  | 2,169                  |
| INDIAN BANK                            | 8,738                                       | 8,852                                       | 8,926                                       | 8,510                                       | 8,602                                       | 7,477                                       | 2,873                  | 3,208                  | 3,168                  | 2,071                  | 1,566                  | 958                    |
| INDIAN OVERSEAS BANK                   | 2,608                                       | 3,015                                       | 2,983                                       | 2,098                                       | 1,673                                       | 1,228                                       | 1,362                  | 1,294                  | 1,805                  | 824                    | 754                    | 651                    |

|                                                       | Agriculture and Allied Activities - GNPAs   | Agriculture and Allied Activities - GNPAs   | Agriculture and Allied Activities - GNPAs   | Agriculture and Allied Activities - GNPAs   | Agriculture and Allied Activities - GNPAs   | Agriculture and Allied Activities - GNPAs   | Retail Loans - GNPAs   | Retail Loans - GNPAs   | Retail Loans - GNPAs   | Retail Loans - GNPAs   | Retail Loans - GNPAs   | Retail Loans - GNPAs   |
|-------------------------------------------------------|---------------------------------------------|---------------------------------------------|---------------------------------------------|---------------------------------------------|---------------------------------------------|---------------------------------------------|------------------------|------------------------|------------------------|------------------------|------------------------|------------------------|
| Bank                                                  | 31-03-2021                                  | 31-03-2022                                  | 31-03-2023                                  | 31-03-2024                                  | 31-03-2025                                  | 31-12-2025                                  | 31-03-2021             | 31-03-2022             | 31-03-2023             | 31-03-2024             | 31-03-2025             | 31-12-2025             |
| INDUSIND BANK LTD                                     | 515                                         | 854                                         | 1,651                                       | 2,040                                       | 4,930                                       | 4,668                                       | 946                    | 1,124                  | 1,102                  | 1,319                  | 2,397                  | 2,512                  |
| JAMMU & KASHMIR BANK LTD                              | 798                                         | 625                                         | 672                                         | 427                                         | 353                                         | 331                                         | 314                    | 295                    | 315                    | 306                    | 328                    | 372                    |
| JANA SMALL FINANCE BANK LIMITED                       | 153                                         | 157                                         | 125                                         | 185                                         | 310                                         | 503                                         | 558                    | 542                    | 462                    | 209                    | 190                    | 118                    |
| KARNATAKA BANK LTD                                    | 610                                         | 559                                         | 555                                         | 610                                         | 533                                         | 531                                         | 485                    | 341                    | 347                    | 428                    | 388                    | 383                    |
| KARUR VYSYA BANK LTD                                  | 383                                         | 371                                         | 111                                         | 85                                          | 60                                          | 93                                          | 312                    | 297                    | 296                    | 252                    | 126                    | 93                     |
| KOTAK MAHINDRA BANK LTD.                              | 1,122                                       | 1,324                                       | 1,360                                       | 1,456                                       | 1,721                                       | 1,785                                       | 1,891                  | 1,654                  | 1,906                  | 1,394                  | 2,092                  | 1,813                  |
| LAKSHMI VILAS BANK LTD                                | 524                                         |                                             |                                             |                                             |                                             |                                             | 149                    |                        |                        |                        |                        |                        |
| NAINITAL BANK LTD                                     | 165                                         | 183                                         | 152                                         | 124                                         | 131                                         | 127                                         | 73                     | 69                     | 59                     | 51                     | 55                     | 63                     |
| NORTH EAST SMALL FINANCE BANK LIMITED                 | 82                                          | 82                                          | 136                                         | 30                                          | 11                                          |                                             | 5                      | 5                      | 0                      | 0                      | 1                      |                        |
| PUNJAB AND SIND BANK                                  | 918                                         | 944                                         | 1,027                                       | 1,228                                       | 1,264                                       | 1,202                                       | 660                    | 597                    | 478                    | 569                    | 393                    | 333                    |
| PUNJAB NATIONAL BANK                                  | 18,100                                      | 20,408                                      | 21,954                                      | 18,711                                      | 17,361                                      | 16,379                                      | 7,167                  | 6,886                  | 5,696                  | 4,940                  | 3,238                  | 2,749                  |
| RBL BANK LTD                                          | 536                                         | 874                                         | 382                                         | 504                                         | 1,356                                       | 924                                         | 936                    | 657                    | 448                    | 375                    | 435                    | 499                    |
| SBM BANK (INDIA) LIMITED                              |                                             | -                                           | -                                           | -                                           | -                                           | -                                           | 2                      | 7                      | 21                     | 37                     | 59                     | 64                     |
| SHINHAN BANK                                          | 12                                          | 12                                          | 12                                          | 12                                          | 4                                           | 4                                           | 1                      | 2                      | 5                      | 6                      | 19                     | 20                     |
| SHIVALIK SMALL FINANCE BANK LIMITED                   |                                             | 4                                           | 0                                           | 6                                           | 25                                          | 38                                          |                        | 22                     | 32                     | 33                     | 38                     | 41                     |
| SLICE SMALL FINANCE BANK LIMITED                      |                                             |                                             |                                             |                                             |                                             | 11                                          |                        |                        |                        |                        |                        | 153                    |
| SONALI BANK                                           | -                                           | -                                           | -                                           | -                                           |                                             |                                             | 4                      | 4                      | 4                      | 4                      |                        |                        |
| SONALI BANK PLC                                       |                                             |                                             |                                             |                                             | -                                           | -                                           |                        |                        |                        |                        | 6                      | 5                      |
| SOUTH INDIAN BANK LTD                                 | 643                                         | 689                                         | 700                                         | 701                                         | 599                                         | 586                                         | 425                    | 473                    | 437                    | 464                    | 492                    | 545                    |
| STANDARD CHARTERED BANK                               | 44                                          | 59                                          | 63                                          | 52                                          | 29                                          | 39                                          | 514                    | 610                    | 493                    | 470                    | 361                    | 289                    |
| STATE BANK OF INDIA                                   | 32,757                                      | 30,459                                      | 31,650                                      | 30,973                                      | 30,947                                      | 31,644                                      | 6,924                  | 7,400                  | 7,585                  | 9,644                  | 11,109                 | 11,168                 |
| SURYODAY SMALL FINANCE BANK LIMITED                   | 137                                         | 181                                         | 62                                          | 110                                         | 409                                         | 417                                         | 31                     | 75                     | 121                    | 47                     | 31                     | 178                    |
| TAMILNAD MERCANTILE BANK LTD                          | 118                                         | 52                                          | 69                                          | 51                                          | 50                                          | 37                                          | 86                     | 54                     | 44                     | 30                     | 30                     | 29                     |
| THE HONGKONG AND SHANGHAI BANKING CORPORATION LIMITED |                                             |                                             | 62                                          | 61                                          | 64                                          | 43                                          |                        |                        | 206                    | 164                    | 139                    | 170                    |
| UCO BANK                                              | 4,071                                       | 3,913                                       | 3,323                                       | 3,267                                       | 3,270                                       | 3,428                                       | 871                    | 742                    | 605                    | 442                    | 420                    | 473                    |
| UJJIVAN SMALL FINANCE BANK LIMITED                    | 323                                         | 330                                         | 122                                         | 137                                         | 179                                         | 222                                         | 498                    | 443                    | 307                    | 324                    | 321                    | 410                    |
| UNION BANK OF INDIA                                   | 14,831                                      | 13,223                                      | 12,151                                      | 13,439                                      | 14,102                                      | 14,160                                      | 5,552                  | 4,921                  | 4,652                  | 4,111                  | 3,190                  | 2,740                  |
| UNITY SMALL FINANCE BANK LIMITED                      |                                             | 3                                           | 12                                          | 30                                          | 236                                         | 283                                         |                        | 452                    | 445                    | 109                    | 116                    | 115                    |
| UTKARSH SMALL FINANCE BANK LIMITED                    | 202                                         | 435                                         | 258                                         | 208                                         | 1,020                                       | 997                                         | 20                     | 36                     | 168                    | 175                    | 676                    | 703                    |
| YES BANK LTD.                                         | 1,140                                       | 1,258                                       | 108                                         | 143                                         | 329                                         | 534                                         | 884                    | 679                    | 730                    | 1,222                  | 1,517                  | 1,461                  |

Source: RBI