India’s commercial banking sector remained resilient during 2024-25 and so far in 2025-26, supported by double-digit balance sheet expansion and a steady improvement in asset quality, with the gross non-performing assets (GNPA) ratio declining to a multi-decadal low of 2.1 per cent at the end of September 2025, news agency IANS reported, citing a Reserve Bank of India (RBI) report released on Monday.

The RBI, in its report titled Trend and Progress of Banking in India, said deposits and credit of scheduled commercial banks (SCBs) continued to grow in double digits, although the pace moderated compared to the previous year.