| Category | Details |
|---|---|
| Event | Banking system recovery: Gross Non-Performing Assets (GNPA) at a 10-year low |
| Key Highlight | GNPA ratio fell to 2.1% in September 2025 |
| Source | Reserve Bank of India (RBI) |
| Special Mention Accounts (SMA-2) | Declined to 0.8% (loans overdue by 61-90 days) |
| MSME Sector SMA Ratio | Stabilized at 5.1% |
| Unsecured Retail Loans SMA-2 | Dropped to 13%, down from over 20% a year earlier |
| Large Borrowers SMA-2 Ratio | Fell by nearly 36% |
| Sectors Needing Monitoring | Micro-LAP, commercial vehicles, affordable housing |
| Asset Quality Indicators | GNPA and SMA ratios |
| Classification of NPAs | Substandard (≤12 months), Doubtful (>12 months), Loss (uncollectible) |
| Question | Q. GNPA ratio in September 2025? A. 2.1% |
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