Gross NPAs of Scheduled Commercial Banks (SCBs) for domestic operations reach a historic low of 2.15% as of September, 2025

• Gross NPA ratio of Scheduled Commercial Banks (SCBs) for domestic operations fell to a historic low of 2.15% as of end-September 2025 (provisional), lower than the 2010-11 level.
• Outcome of a multi-year cleanup that began with RBI's Asset Quality Review (AQR), 2015 and the Government's 4Rs Strategy (Recognition, Resolution, Recapitalisation, Reforms).
• High-yield UPSC topic spanning GS-III (Banking, Economy) and GS-II (Governance) — examinable both as a prelims data point and a mains reform-narrative.