| Sr. No. | Particulars |
| Chapter I: Perspectives |
| 1. | Introduction |
| 2. | Regulation and Supervision |
| 3. | Payment and Settlement Systems |
| 4. | Adoption of Emerging Technologies |
| 5. | Financial Inclusion |
| 6. | Consumer Protection |
| 7. | Climate Finance |
| 8. | Overall Assessment |
| Chapter II: Global Banking Developments |
| 1. | Introduction |
| 2. | Global Macroeconomic Conditions |
| 3. | Global Banking Policy Developments |
| 4. | Performance of the Global Banking Sector |
| 5. | World’s Largest Banks |
| 6. | Overall Assessment |
| Chapter III: Domestic Policy Environment |
| 1. | Introduction |
| 2. | The Macroeconomic Policy Setting |
| 3. | Regulatory and Supervisory Policies |
| 4. | Technological Innovations |
| 5. | Financial Markets |
| 6. | Consumer Protection |
| 7. | Credit Delivery and Financial Inclusion |
| 8. | Payment and Settlement Systems |
| 9. | Overall Assessment |
| Chapter IV: Commercial Banks |
| 1. | Introduction |
| 2. | Balance Sheet Analysis |
| 3. | Financial Performance |
| 4. | Soundness Indicators |
| 5. | Sectoral Bank Credit: Distribution and Non-performing Assets |
| 6. | Ownership Pattern |
| 7. | Corporate Governance |
| 8. | Foreign Banks’ Operations in India and Overseas Operations of Indian Banks |
| 9. | Payment Systems |
| 10. | Technology Adoption
(Box IV.1: Evolving Technology and Innovation Priorities of Indian Banks) |
| 11. | Consumer Protection |
| 12. | Financial Inclusion |
| 13. | Regional Rural Banks |
| 14. | Local Area Banks |
| 15. | Small Finance Banks |
| 16. | Payments Banks |
| 17. | Overall Assessment |
| Chapter V: Co-operative Banks |
| 1. | Introduction |
| 2. | Structure of the Co-operative Banking Sector |
| 3. | Urban Co-operative Banks |
| 4. | Rural Credit Co-operatives |
| 5. | Overall Assessment |
| Chapter VI: Non-Banking Financial Institutions |
| 1 | Introduction |
| 2 | Non-Banking Financial Companies |
| 3 | Housing Finance Companies |
| 4 | All India Financial Institutions |
| 5 | Primary Dealers |
| 6 | Overall Assessment |
| List of Tables |
| II.1 | Regulations for Stablecoins in Select Economies |
| II.2 | Asset Quality |
| II.3 | Regulatory Capital to Risk-weighted Assets Ratio |
| IV.1 | Consolidated Balance Sheet of Scheduled Commercial Banks |
| IV.2 | Bank Group-wise Maturity Profile of Select Liabilities/Assets |
| IV.3 | Trends in Income and Expenditure of Scheduled Commercial Banks |
| IV.4 | Cost of Funds and Return on Funds - Bank Group-wise |
| IV.5 | Component-wise Capital Adequacy of SCBs |
| IV.6 | Resources Raised by Banks through Private Placements |
| IV.7 | Leverage Ratio and Liquidity Coverage Ratio |
| IV.8 | Net Stable Funding Ratio |
| IV.9 | Non-Performing Assets by Bank Group |
| IV.10 | Classification of Loan Assets by Bank Group |
| IV.11 | NPAs of SCBs Recovered through Various Channels |
| IV.12 | Details of Financial Assets Securitised by Asset Reconstruction Companies |
| IV.13 | Frauds in Various Banking Operations Based on the Date of Reporting |
| IV.14 | Frauds in Various Banking Operations Based on the Date of Occurrence |
| IV.15 | Enforcement Actions |
| IV.16 | Sectoral Deployment of Gross Bank Credit by SCBs |
| IV.17 | Credit Flow to the MSME Sector by SCBs |
| IV.18 | Priority Sector Lending by Banks |
| IV.19 | Weighted Average Premium on Various Categories of PSLCs |
| IV.20 | Sector-wise GNPAs of Banks |
| IV.21 | Independent Directors on the Board and its Committees |
| IV.22 | Operations of Foreign Banks in India |
| IV.23 | Payment Systems Indicators |
| IV.24 | Number of ATMs |
| IV.25 | Population Group-wise Distribution of ATMs of Bank Groups |
| IV.26 | Number of Complaints Received by Offices of the RBI Ombudsman: Category-wise |
| IV.27 | Bank Group-wise Insured Deposits |
| IV.28 | Progress in Financial Inclusion Plan |
| IV.29 | Tier-wise Distribution of Newly Opened Bank Branches of SCBs |
| IV.30 | Progress in MSME Financing through TReDS |
| IV.31 | Consolidated Balance Sheet of Regional Rural Banks |
| IV.32 | Financial Performance of Regional Rural Banks |
| IV.33 | Purpose-wise Outstanding Advances by Regional Rural Banks |
| IV.34 | Profile of Local Area Banks |
| IV.35 | Financial Performance of Local Area Banks |
| IV.36 | Consolidated Balance Sheet of Small Finance Banks |
| IV.37 | Financial Performance of Small Finance Banks |
| IV.38 | Consolidated Balance Sheet of Payments Banks |
| IV.39 | Financial Performance of Payments Banks |
| V.1 | Tier-wise Distribution of Urban Co-operative Banks |
| V.2 | Balance Sheet of Urban Co-operative Banks |
| V.3 | Investments by Urban Co-operative Banks |
| V.4 | Distribution of UCBs by Size of Deposits, Advances and Assets |
| V.5 | Financial Performance of Scheduled and Non-scheduled Urban Co-operative Banks |
| V.6 | Select Profitability Indicators of UCBs |
| V.7 | CRAR-wise Distribution of UCBs |
| V.8 | Component-wise Capital Adequacy of UCBs |
| V.9 | Non-Performing Assets of UCBs |
| V.10 | Composition of Credit to Priority Sectors by UCBs |
| V.11 | Share in Credit Flow to Agriculture |
| V.12 | A Profile of Rural Co-operatives |
| V.13 | Liabilities and Assets of State Co-operative Banks |
| V.14 | Select Balance Sheet Indicators of Scheduled State Co-operative Banks |
| V.15 | Financial Performance of State Co-operative Banks |
| V.16 | Soundness Indicators of State Co-operative Banks |
| V.17 | Liabilities and Assets of District Central Co-operative Banks |
| V.18 | Financial Performance of District Central Co-operative Banks |
| V.19 | Soundness Indicators of District Central Co-operative Banks |
| VI.1 | Classification of NBFCs by Activity under the Scale-Based Regulatory Framework |
| VI.2 | Composition of NBFCs |
| VI.3 | Ownership Pattern of NBFCs |
| VI.4 | Abridged Balance Sheet of NBFCs |
| VI.5 | Major Components of Liabilities and Assets of NBFCs by Classification |
| VI.6 | Sectoral Credit Deployment by NBFCs |
| VI.7 | Sources of Borrowings of NBFCs |
| VI.8 | Foreign Liabilities of NBFCs |
| VI.9 | Financial Parameters of the NBFC Sector |
| VI.10 | Ownership Pattern of HFCs |
| VI.11 | Consolidated Balance Sheet of HFCs |
| VI.12 | Financial Parameters of HFCs |
| VI.13 | Financial Assistance Sanctioned and Disbursed by AIFIs |
| VI.14 | AIFIs’ Balance Sheet |
| VI.15 | Resources Mobilised by AIFIs in 2024-25 |
| VI.16 | Resources Raised by AIFIs from the Money Market |
| VI.17 | AIFIs’ Sources and Deployment of Funds |
| VI.18 | Financial Performance of AIFIs |
| VI.19 | AIFIs’ Select Financial Parameters |
| VI.20 | Performance of PDs in the Primary Market |
| VI.21 | Performance of SPDs in the Secondary Market for Central Government Dated Securities |
| VI.22 | Sources and Applications of SPDs’ Funds |
| VI.23 | Financial Performance of SPDs |
| List of Charts |
| II.1 | Growth and Inflation |
| II.2 | Monetary Policy Rates |
| II.3 | Current Account Balance and General Government Debt |
| II.4 | Bank Credit to Private Non-Financial Sector |
| II.5 | Provision Coverage Ratio |
| II.6 | Return on Assets |
| II.7 | Leverage Ratio |
| II.8 | Market-based Indicators of Banks’ Health |
| II.9 | Distribution of the Top 100 Global Banks by Tier 1 Capital |
| II.10 | Asset Quality of the Top 100 Global Banks |
| II.11 | Soundness of the Top 100 Global Banks |
| IV.1 | Select Aggregates of SCBs |
| IV.2 | Bank Group-wise Balance Sheet Composition |
| IV.3 | Bank Deposit Growth and Monetary Transmission to Banks’ Deposit Rates |
| IV.4 | Bank Group-wise Credit Growth |
| IV.5 | Monetary Transmission to Banks’ Lending Rates |
| IV.6 | Investments of Scheduled Commercial Banks |
| IV.7 | Gap in Credit-Deposit Growth |
| IV.8 | Maturity Bucket-wise Assets and Liabilities Gap |
| IV.9 | International Assets and Liabilities of Banks |
| IV.10 | Consolidated International Claims of Indian Banks |
| IV.11 | Off-Balance Sheet Liabilities of Banks |
| IV.12 | Profitability Ratios |
| IV.13 | Net Interest Income and Net Interest Margin |
| IV.14 | Provision Coverage Ratio |
| IV.15 | Bank Group-wise CRAR and CET1 Ratio |
| IV.16 | Reduction in Gross Non-Performing Assets |
| IV.17 | Overall Stress vis-à-vis Stress in Large Borrowal Accounts |
| IV.18 | Restructured Standard Advances (RSA) Ratio |
| IV.19 | Stressed Asset Sale to ARCs |
| IV.20 | Bank Group-wise Frauds |
| IV.21 | Area of Operation-wise Frauds |
| IV.22 | Flow of Financial Resources to the Commercial Sector in India |
| IV.23 | Sectoral Gross Non-Performing Assets Ratio |
| IV.24 | Gross Non-Performing Assets Ratio in Various Sub-Sectors |
| IV.25 | Trading Volume of Priority Sector Lending Certificates |
| IV.26 | Buyers and Sellers in Priority Sector Lending Certificates Market |
| IV.27 | Banks’ Exposure to Sensitive Sectors |
| IV.28 | Share of Unsecured Advances of Banks |
| IV.29 | Ownership Pattern of Banks |
| IV.30 | Components of Total Remuneration of MDs and CEOs |
| IV.31 | Overseas Operations of Indian Banks |
| IV.32 | Transaction Volume and Average Value of Retail Digital Payments |
| IV.33 | Digital Payments Index |
| IV.34 | Distribution of Complaints Received at ORBIOs |
| IV.35 | Entity Type-wise Break-up of Major Complaint Categories: 2024-25 |
| IV.36 | Progress of Financial Inclusion in Select Countries |
| IV.37 | RBI – Financial Inclusion Index |
| IV.38 | Progress under PMJDY |
| IV.39 | Population Group-wise Distribution of Newly Opened Bank Branches of SCBs |
| IV.40 | Regional Penetration of Banks |
| IV.41 | Regional Distribution of Bank Loans Disbursed to Self Help Groups |
| IV.42 | Asset Quality of Regional Rural Banks |
| IV.43 | Capital to Risk-weighted Assets Ratio (CRAR) of Regional Rural Banks |
| V.1 | Structure of Credit Co-operatives |
| V.2 | Distribution of Credit Co-operatives by Asset Size |
| V.3 | Number of Urban Co-operative Banks |
| V.4 | Consolidation Drive in Urban Co-operative Banks |
| V.5 | Assets Growth |
| V.6 | Deposits and Advances |
| V.7 | Credit-Deposit Ratio of UCBs |
| V.8 | Investments Growth |
| V.9 | Composition of Investments of UCBs |
| V.10 | Profitability Indicators |
| V.11 | Capital to Risk-weighted Assets Ratio |
| V.12 | Provisioning and Asset Quality of UCBs |
| V.13 | Stress in Large Borrowal Accounts |
| V.14 | Priority Sector Lending - Target and Achievement |
| V.15 | Share of Rural Credit Co-operatives in Total Assets of the Co-operative Sector |
| V.16 | Long-term vis-à-vis Short-term RCCs |
| V.17 | Regional Distribution of State Co-operative Banks’ Profits |
| V.18 | Capital Adequacy of State Co-operative Banks |
| V.19 | GNPA Ratio: StCBs vis-à-vis DCCBs |
| V.20 | Capital Adequacy of District Central Co-operative Banks |
| V.21 | Composition of Liabilities and Assets of Long-term Rural Credit Co-operatives |
| VI.1 | Structure of NBFIs under the Reserve Bank’s Regulation |
| VI.2 | NBFCs’ Credit vis-à-vis SCBs’ Credit and GDP |
| VI.3 | Registrations and Cancellations of Certificates of Registration of NBFCs |
| VI.4 | Nature of NBFCs’ Loans and Advances |
| VI.5 | Maturity Profiles of Receivables and Payables of NBFCs |
| VI.6 | Distribution of NBFCs’ Credit |
| VI.7 | Credit to MSME Sector |
| VI.8 | Select Retail Loans by NBFCs vis--à-vis Banks |
| VI.9 | Micro-credit Outstanding across Regulated Entities |
| VI.10 | Major Sources of Borrowings by NBFCs |
| VI.11 | Banks’ Exposure to NBFCs |
| VI.12 | Nature of NBFCs’ Borrowings |
| VI.13 | Public Deposits with NBFC-D |
| VI.14 | Loan Sales and Securitisation by NBFCs |
| VI.15 | Structural Liquidity Statement of NBFCs |
| VI.16 | Profitability Ratios of NBFCs |
| VI.17 | Asset Quality of NBFCs |
| VI.18 | Sectoral GNPA Ratios of NBFCs |
| VI.19 | Provision Coverage Ratio of NBFCs |
| VI.20 | CRAR of NBFCs |
| VI.21 | NBFCs’ Exposure to Sensitive Sectors |
| VI.22 | Credit to Housing Sector by HFCs, SCBs and NBFCs |
| VI.23 | Resources Mobilised by HFCs |
| VI.24 | Distribution of HFCs’ Public Deposits |
| VI.25 | Asset Quality of HFCs, by Layer |
| VI.26 | Capital Adequacy of HFCs |
| VI.27 | Distribution of AIFIs, by Asset Size |
| VI.28 | Weighted Average Cost and Maturity of Rupee Resources Raised by AIFIs |
| VI.29 | Long-term Prime Lending Rate Structure of Select AIFIs |
| VI.30 | Return on Average Assets of AIFIs |
| VI.31 | Soundness Indicators of AIFIs |
| VI.32 | Average Rate of Underwriting Commission of PDs |
| VI.33 | Capital and Risk-Weighted Asset Positions of SPDs |
| List of Appendix Tables |
| IV.1 | Indian Banking Sector at a Glance |
| IV.2 | International Liabilities of Banks in India – By Type of Instruments |
| IV.3 | International Assets of Banks in India – By Type of Instruments |
| IV.4 | Consolidated International Claims of Banks on Countries other than India |
| IV.5 | Consolidated International Claims of Banks: Residual Maturity and Sector |
| IV.6 | Off-Balance Sheet Exposure of Scheduled Commercial Banks in India |
| IV.7 | Frauds in Various Banking Operations Based on Date of Reporting |
| IV.8 | Kisan Credit Card Scheme: State-wise Progress |
| IV.9 | Bank Group-wise Lending to the Sensitive Sectors |
| IV.10 | Shareholding Pattern of Domestic Scheduled Commercial Banks |
| IV.11 | Overseas Operations of Indian Banks |
| IV.12 | Branches and ATMs of Scheduled Commercial Banks |
| IV.13 | Progress of Microfinance Programmes |
| IV.14 | Major Financial Indicators of Regional Rural Banks – State-wise |
| IV.15 | RRBs - PSL Target and Achievement – 2024-25 |
| V.1 | Indicators of Financial Performance: Scheduled UCBs |
| V.2 | Select Financial Parameters: Scheduled UCBs |
| V.3 | Salient Indicators of Financial Health of State Co-operative Banks |
| V.4 | Salient Indicators of Financial Health of District Central Co-operative Banks |
| V.5 | Details of Members and Borrowers of Primary Agricultural Credit Societies |
| V.6 | Primary Agricultural Credit Societies |
| V.7 | Select Indicators of Primary Agricultural Credit Societies – State-wise |
| V.8 | Liabilities and Assets of State Co-operative Agriculture and Rural Development Banks |
| V.9 | Financial Performance of State Co-operative Agriculture and Rural Development Banks |
| V.10 | Asset Quality of State Co-operative Agriculture and Rural Development Banks |
| V.11 | Financial Indicators of State Co-operative Agriculture and Rural Development Banks – State-wise |
| V.12 | Liabilities and Assets of Primary Co-operative Agriculture and Rural Development Banks |
| V.13 | Financial Performance of Primary Co-operative Agriculture and Rural Development Banks |
| V.14 | Asset Quality of Primary Co-operative Agriculture and Rural Development Banks |
| V.15 | Major Financial Indicators of Primary Co-operative Agriculture and Rural Development Banks |
| VI.1 | Consolidated Balance Sheet of NBFCs |
| VI.2 | Consolidated Balance Sheet of NBFC-UL |
| VI.3 | Consolidated Balance Sheet of NBFC-ML |
| VI.4 | Consolidated Balance Sheet of NBFC-D |
| VI.5 | Credit to Various Sectors by NBFCs |
| VI.6 | Financial Performance of NBFC-UL |
| VI.7 | Financial Performance of NBFC-ML |
| VI.8 | Financial Assistance Sanctioned and Disbursed by Financial Institutions |
| VI.9 | Financial Performance of Standalone Primary Dealers |
| VI.10 | Select Financial Indicators of Primary Dealers |