Trend and Progress of Banking in India 2024-25 Report:
RBI’s latest “Trend and Progress of Banking in India” report flags a resilient banking system with multi-decadal low NPAs, strong balance-sheet expansion and policy push for safer, more inclusive finance.
- An annual RBI flagship assessment of banking & NBFC performance, risks, regulation/supervision priorities, payments, technology adoption, financial inclusion and consumer protection, culminating in an overall systemic soundness assessment.
- Scheduled commercial banks (SCBs) grew at a double-digit pace in deposits and credit (with some moderation).
- SCBs’ GNPA ratio fell to a multi-decadal low.
- Banks are well-capitalised with leverage and liquidity ratios above regulatory minimum.
- 514 districts became fully digitally-enabled (at least one digital payment mode for every eligible individual).
- RBI’s FI Index improved to 67.0 (from 43.4 earlier), indicating deeper inclusion.
- 64 lenders (41 banks, 23 NBFCs) onboarded; using 136+ data services across 12 loan journeys.
- Shift approved to risk-based deposit insurance premium, moving beyond the flat premium (ceiling noted as 12 paise/₹100 assessable deposits).
