New Delhi: Over the past decade, India’s banks have moved from stress to strength.
NPAs have dropped sharply from a peak of 11.4% in 2018 to just 2.3% in 2025, reflecting healthier balance sheets and stronger recoveries.
Profitability is at record highs with scheduled Commercial Banks earning ₹4.01 lakh crore in FY24-25 and PSBs reaching ₹1.78 lakh crore in FY24-25.
With better capital buffers, improved governance, and rising credit growth, India’s banking system is now more resilient, future-ready, and supporting the nation’s development goals. A stronger financial sector is powering a stronger India.
