Lok Sabha Question No. 1470 (UNSTARRED), answered on 2026-02-09
Subject: Profit and Loss incurred by Public Sector Banks
Ministry: FINANCE
Asked by: Smt. Manju Sharma

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

## LOK SABHA UNSTARRED QUESTION NO. 1470

ANSWERED ON MONDAY, FEBRUARY 9, 2026/MAGHA 20, 1947 (SAKA)

## Profit and Loss incurred by Public Sector Banks

†1470 SMT. MANJU SHARMA:

Will the Minister of FINANCE be pleased to state:

- (a) the profit and loss earned/incurred by public and private sector banks during the last five years and the current year, year-wise and bank-wise;
- (b) whether any effective measures are being taken by the Government to improve the financial position of  loss-making public and private sector banks and to investigate irregularities/frauds in various financial activities of the banks; and
- (c) if so, the details thereof?

## THE MINISTER OF STATE FOR FINANCE (SHRI PANKAJ CHAUDHARY)

- (a): As per input received from Reserve Bank of India (RBI), the profit and loss earned/incurred by public and private sector banks during the last five years and the current year, year-wise and bankwise is at annexure.

(b) and (c): Government has implemented a comprehensive strategy, consisting of recognition of NonPerforming Assets (NPAs) transparently, resolution and recovery of value from stressed accounts, and reforms in financial ecosystem for a responsible and clean banking system. Major banking reforms undertaken  by  the  Government  addressed  credit  discipline,  responsible  lending  and  improved governance, besides adoption of technology. The growth cycle of Indian banking system is on upwards trajectory across all parameters. Credit flow to productive sectors of economy is growing at a good pace. The asset quality of Scheduled Commercial Banks (SCBs) has continued to improve, with gross NPA ratio and net NPA ratio declining. The provisioning coverage ratio (PCR) of SCBs has steadily increased.  The  low  slippage  ratio,  coupled  with  raising  of  capital  from  the  market  and  net  capital accretion through profits has helped banks to bolster their capital adequacy levels.

As a result of implementation of reforms in the financial system by the Government, performance of Indian banking sector reflects the significant improvement effected in the sector. As per RBI provisional data, as on 30.9.2025-

## ANSWER

(i) During FY 2024-25, SCBs and PSBs have recorded highest ever aggregate net profit of ₹4.01 lakh crore and ₹1.78 lakh crore, respectively. Further, the net profit of SCBs during the first half of FY 2025-26 was ₹2.08 lakh crore.

- (ii) GNPA ratio of SCBs declined to 2.05% in Sep-25 from 4.28% in Mar-15, and from a peak of 11.18% in Mar-18.

(iii) Resilience has increased with PCR of SCBs increasing from 49.31% in Mar-15 to a healthy 93.23% in Sep-25.

(iv) Capital adequacy has improved significantly with CRAR of SCBs improving by 430 bps to reach 17.24% in Sep-25 from 12.94% in Mar-15.

Further, as per the RBI's Report on Trends and Progress of Banking in India 2024-25, for the entire banking sector the amount involved in frauds are majorly contributed by advances-related frauds. The frauds in SCBs, as a percentage of gross loans and advances wherein amount involved is ₹ 1 lakh and above, based on date of occurrence of frauds, have declined to a decadal low of 0.002% in FY 202425.

*****

## Lok Sabha Unstarred Question no. 1470 dated 9.2.2026 regarding 'Profit and Loss incurred by Public Sector Banks'

Net Profit of Scheduled Commercial Banks (SCBs) for past five years and April-September 2025.

(in ₹ Crores)

| Sr. No.              | Bank/Bank Group Name         | Net Profit (April to Date) 31-Mar-21   | 31-Mar-22            | 31-Mar-23            | 31-Mar-24            | 31-Mar-25            | 30-Sep-25            |
|----------------------|------------------------------|----------------------------------------|----------------------|----------------------|----------------------|----------------------|----------------------|
| PUBLIC SECTOR BANKS  | PUBLIC SECTOR BANKS          | PUBLIC SECTOR BANKS                    | PUBLIC SECTOR BANKS  | PUBLIC SECTOR BANKS  | PUBLIC SECTOR BANKS  | PUBLIC SECTOR BANKS  | PUBLIC SECTOR BANKS  |
| 1                    | STATE BANK OF INDIA          | 20,410                                 | 31,676               | 50,232               | 61,077               | 70,901               | 39,320               |
| 2                    | CANARA BANK                  | 2,558                                  | 5,678                | 10,604               | 14,554               | 17,027               | 9,526                |
| 3                    | BANK OF BARODA               | 829                                    | 7,272                | 14,110               | 17,789               | 19,581               | 9,351                |
| 4                    | UNION BANK OF INDIA          | 2,906                                  | 5,232                | 8,433                | 13,648               | 17,987               | 8,365                |
| 5                    | PUNJAB NATIONAL BANK         | 2,022                                  | 3,457                | 2,507                | 8,245                | 16,630               | 6,579                |
| 6                    | INDIAN BANK                  | 3,005                                  | 3,945                | 5,282                | 8,063                | 10,918               | 5,991                |
| 7                    | BANK OF INDIA                | 2,160                                  | 3,405                | 4,023                | 6,318                | 9,219                | 4,807                |
| 8                    | BANK OF MAHARASHTRA          | 550                                    | 1,152                | 2,602                | 4,055                | 5,520                | 3,226                |
| 9                    | CENTRAL BANK OF INDIA        | -888                                   | 1,045                | 1,582                | 2,549                | 3,785                | 2,382                |
| 10                   | INDIAN OVERSEAS BANK         | 834                                    | 1,713                | 2,099                | 2,656                | 3,335                | 2,337                |
| 11                   | UCO BANK                     | 167                                    | 930                  | 1,862                | 1,654                | 2,445                | 1,227                |
| 12                   | PUNJAB AND SIND BANK         | -2,733                                 | 1,039                | 1,313                | 595                  | 1,016                | 564                  |
| SUB TOTAL            | SUB TOTAL                    | 31,820                                 | 66,543               | 1,04,649             | 1,41,202             | 1,78,364             | 93,674               |
| PRIVATE SECTOR BANKS | PRIVATE SECTOR BANKS         | PRIVATE SECTOR BANKS                   | PRIVATE SECTOR BANKS | PRIVATE SECTOR BANKS | PRIVATE SECTOR BANKS | PRIVATE SECTOR BANKS | PRIVATE SECTOR BANKS |
| 13                   | LAKSHMI VILAS BANK LTD       | -316                                   | -                    | -                    | -                    | -                    | -                    |
| 14                   | RBL BANK LIMITED             | 508                                    | -75                  | 883                  | 1,168                | 695                  | 379                  |
| 15                   | THE DHANALAKSHMI BANK LTD    | 37                                     | 36                   | 49                   | 58                   | 67                   | 35                   |
| 16                   | HDFC BANK LTD.               | 31,117                                 | 36,961               | 44,109               | 60,812               | 67,347               | 36,796               |
| 17                   | ICICI BANK LIMITED           | 16,193                                 | 23,339               | 31,897               | 40,888               | 47,227               | 25,127               |
| 18                   | AXIS BANK LIMITED            | 6,589                                  | 13,025               | 9,580                | 24,861               | 26,373               | 10,896               |
| 19                   | KOTAK MAHINDRA BANK LTD.     | 6,965                                  | 8,573                | 10,939               | 13,782               | 16,450               | 6,535                |
| 20                   | IDBI BANK LIMITED            | 1,359                                  | 2,439                | 3,645                | 5,634                | 7,515                | 5,635                |
| 21                   | FEDERAL BANK LTD             | 1,565                                  | 1,890                | 3,011                | 3,721                | 4,052                | 1,817                |
| 22                   | YES BANK LTD.                | -3,462                                 | 1,066                | 717                  | 1,251                | 2,406                | 1,456                |
| 23                   | KARUR VYSYA BANK LTD         | 359                                    | 673                  | 1,106                | 1,605                | 1,942                | 1,095                |
| 24                   | JAMMU & KASHMIR BANK LTD     | 432                                    | 502                  | 1,197                | 1,767                | 2,082                | 979                  |
| 25                   | IDFC FIRST BANK LIMITED      | 452                                    | 145                  | 2,437                | 2,957                | 1,525                | 815                  |
| 26                   | SOUTH INDIAN BANK LTD        | 62                                     | 45                   | 775                  | 1,070                | 1,303                | 673                  |
| 27                   | CITY UNION BANK LIMITED      | 593                                    | 760                  | 937                  | 1,016                | 1,124                | 635                  |
| 28                   | TAMILNAD MERCANTILE BANK LTD | 603                                    | 822                  | 1,029                | 1,072                | 1,183                | 622                  |
| 29                   | KARNATAKA BANK LTD           | 483                                    | 509                  | 1,180                | 1,306                | 1,272                | 612                  |
| 30                   | BANDHAN BANK LIMITED         | 2,268                                  | 126                  | 2,195                | 2,230                | 2,745                | 484                  |
| 31                   | DCB BANK LIMITED             | 336                                    | 288                  | 466                  | 536                  | 615                  | 341                  |
| 32                   | CSB BANK LIMITED             | 218                                    | 458                  | 547                  | 567                  | 594                  | 279                  |
| 33                   | INDUSIND BANK LTD            | 2,836                                  | 4,611                | 7,390                | 8,950                | 2,643                | 239                  |
| 34                   | NAINITAL BANK LTD            | 1                                      | 29                   | 46                   | 47                   | 51                   | 30                   |

| SUB TOTAL     | SUB TOTAL                                             | 69,198        | 96,223        | 1,24,13 6     | 1,75,29 7     | 1,89,21 1     | 95,480        |
|---------------|-------------------------------------------------------|---------------|---------------|---------------|---------------|---------------|---------------|
| FOREIGN BANKS | FOREIGN BANKS                                         | FOREIGN BANKS | FOREIGN BANKS | FOREIGN BANKS | FOREIGN BANKS | FOREIGN BANKS | FOREIGN BANKS |
| 35            | AB BANK LIMITED                                       | 8             | 10            | 19            | 19            | 63            | 18            |
| 36            | ABU DHABI COMMERCIAL BANK PJSC                        | 3             | -             | -             | -             | -             | -             |
| 37            | CREDIT SUISSE AG                                      | 330           | 303           | 261           | 197           | -             | -             |
| 38            | DOHA BANK Q.P.S.C                                     | -8            | 1             | 35            | 29            | 13            | 3             |
| 39            | KRUNG THAI BANK PUBLIC COMPANY LIMITED                | 2             | -1            | -             | -             | -             | -             |
| 40            | SBM BANK (INDIA) LTD.                                 | 19            | 16            | 21            | -43           | -87           | 3             |
| 41            | CITIBANK N.A.                                         | 4,093         | 3,727         | 13,614        | 6,237         | 6,193         | 4,673         |
| 42            | THE HONGKONG AND SHANGHAI BANKING CORPORATION LIMITED | 3,632         | 3,191         | 3,453         | 5,436         | 6,177         | 3,215         |
| 43            | DEUTSCHE BANK AG                                      | 1,527         | 1,474         | 1,467         | 1,977         | 3,070         | 2,417         |
| 44            | JPMORGAN CHASE BANK NATIONAL ASSOCIATION              | 2,045         | 1,480         | 1,932         | 2,564         | 3,715         | 1,860         |
| 45            | BANK OF AMERICA, NATIONAL ASSOCIATION                 | 1,227         | 830           | 1,160         | 1,881         | 2,570         | 1,198         |
| 46            | MUFG BANK, LTD.                                       | 443           | 371           | 508           | 402           | 716           | 722           |
| 47            | STANDARD CHARTERED BANK                               | 3,059         | 4,469         | 4,621         | 3,730         | 1,873         | 687           |
| 48            | DBS BANK INDIA LIMITED                                | 628           | 167           | 228           | 377           | 684           | 549           |
| 49            | BARCLAYS BANK PLC                                     | 258           | 696           | 669           | 785           | 1,035         | 537           |
| 50            | BNP PARIBAS                                           | 559           | 512           | 473           | 593           | 635           | 478           |
| 51            | SUMITOMO MITSUI BANKING CORPORATION                   | 352           | 366           | 480           | 511           | 656           | 426           |
| 52            | MIZUHO BANK LTD                                       | 248           | 194           | 283           | 439           | 730           | 350           |
| 53            | SBERBANK                                              | 95            | 76            | 367           | 745           | 369           | 252           |
| 54            | CREDIT AGRICOLE CORPORATE AND INVESTMENT BANK         | 221           | 76            | 81            | 131           | 216           | 167           |
| 55            | AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED       | 126           | 52            | 129           | 149           | 279           | 129           |
| 56            | UBS AG                                                | -             | -             | -             | -             | 173           | 95            |
| 57            | SHINHAN BANK                                          | 138           | 90            | 68            | 55            | 100           | 82            |
| 58            | FIRST ABU DHABI BANK PJSC                             | 167           | 102           | -30           | 113           | 52            | 54            |
| 59            | JSC VTB BANK                                          | 39            | 47            | 6             | 42            | 95            | 52            |
| 60            | AMERICAN EXPRESS BANKING CORP.                        | -297          | -5            | 71            | 66            | 13            | 44            |
| 61            | EMIRATES NBD BANK (P.J.S.C.)                          | 33            | 24            | 42            | 74            | 84            | 37            |
| 62            | INDUSTRIAL AND COMMERCIAL BANK OF CHINA               | 56            | 54            | 15            | 49            | 62            | 35            |
| 63            | SOCIETE GENERALE                                      | 98            | 67            | 50            | 69            | 102           | 34            |
| 64            | CTBC BANK CO., LTD.                                   | 11            | 11            | 10            | 33            | 33            | 27            |
| 65            | MASHREQ BANK PSC                                      | 14            | 17            | 34            | 45            | 42            | 26            |
| 66            | KEB HANA BANK                                         | 32            | 24            | 23            | 50            | 91            | 26            |
| 67            | BANK OF CEYLON                                        | 10            | 6             | 12            | 9             | 10            | 19            |
| 68            | INDUSTRIAL BANK OF KOREA                              | 15            | 12            | 17            | 18            | 20            | 18            |
| 69            | BANK OF NOVA SCOTIA                                   | 18            | 99            | -22           | 66            | 43            | 17            |
| 70            | QATAR NATIONAL BANK (Q.P.S.C)                         | -7            | -24           | 0             | -8            | 13            | 17            |
| 71            | COOPERATIEVE RABOBANK U.A.                            | 2             | -90           | 41            | 63            | 18            | 16            |
| 72            | UNITED OVERSEAS BANK LTD                              | 18            | 9             | 24            | 19            | 24            | 11            |
| 73            | BANK OF CHINA LIMITED                                 | -23           | -22           | 8             | 2             | 3             | 8             |
| 74            | PT BANK MAYBANK INDONESIA TBK                         | -3            | -3            | 2             | 8             | 15            | 7             |
| 75            | BANK OF BAHRAIN & KUWAIT B.S.C.                       | 14            | 8             | 17            | 6             | 0             | 5             |
| 76            | KOOKMIN BANK                                          | 3             | 8             | 1             | 4             | -1            | 2             |

| 77                         | NONGHYUP BANK                       | -                   | -                   | -                   | -0.29               | -1                  | 1                   |
|----------------------------|-------------------------------------|---------------------|---------------------|---------------------|---------------------|---------------------|---------------------|
| 78                         | WOORI BANK                          | 47                  | 33                  | 27                  | 18                  | -3                  | 0                   |
| 79                         | FIRSTRAND BANK LTD                  | 2                   | -5                  | 17                  | 8                   | 6                   | -0.13               |
| 80                         | SONALI BANK PLC                     | 4                   | 8                   | 9                   | -13                 | -2                  | -4                  |
| 81                         | NATWEST MARKETS PLC                 | 27                  | -79                 | -82                 | -                   | 23                  | -33                 |
| SUB TOTAL                  | SUB TOTAL                           | 19,283              | 18,399              | 30,160              | 26,957              | 29,925              | 18,282              |
| SMALL FINANCE BANKS        | SMALL FINANCE BANKS                 | SMALL FINANCE BANKS | SMALL FINANCE BANKS | SMALL FINANCE BANKS | SMALL FINANCE BANKS | SMALL FINANCE BANKS | SMALL FINANCE BANKS |
| 82                         | FINCARE SMALL FINANCE BANK LIMITED  | 113                 | 9                   | 104                 | 395                 | -                   | -                   |
| 83                         | SLICE SMALL FINANCE BANK LIMITED    | 7                   | -123                | -213                | -152                | -217                | 6.56                |
| 84                         | AU SMALL FINANCE BANK LIMITED       | 1,171               | 1,130               | 1,428               | 1,535               | 2,106               | 1,142               |
| 85                         | UJJIVAN SMALL FINANCE BANK LIMITED  | 8                   | -415                | 1,100               | 1,281               | 726                 | 225                 |
| 86                         | JANA SMALL FINANCE BANK LIMITED     | 84                  | 5                   | 256                 | 670                 | 501                 | 177                 |
| 87                         | CAPITAL SMALL FINANCE BANK LIMITED  | 41                  | 63                  | 94                  | 112                 | 132                 | 67                  |
| 88                         | SURYODAY SMALL FINANCE BANK LIMITED | 12                  | -93                 | 78                  | 216                 | 115                 | 66                  |
| 89                         | UNITY SMALL FINANCE BANK LIMITED    | -                   | -                   | 35                  | 439                 | 482                 | 41                  |
| 90                         | SHIVALIK SMALL FINANCE BANK LIMITED | -                   | 1                   | 2                   | 2                   | 1                   | 3                   |
| 91                         | ESAF SMALL FINANCE BANK LIMITED     | 105                 | 55                  | 302                 | 426                 | -521                | -197                |
| 92                         | EQUITAS SMALL FINANCE BANK LIMITED  | 384                 | 281                 | 574                 | 799                 | 147                 | -200                |
| 93                         | UTKARSH SMALL FINANCE BANK LIMITED  | 112                 | 61                  | 405                 | 498                 | 24                  | -588                |
| SUB TOTAL                  | SUB TOTAL                           | 2038                | 974                 | 4162                | 6220                | 3496                | 743                 |
| SCHEDULED COMMERCIAL BANKS | SCHEDULED COMMERCIAL BANKS          | 1,22,338            | 1,82,139            | 2,63,107            | 3,49,676            | 4,00,995            | 2,08,179            |

Source: Reserve Bank of India