Interest rates, loan schemes, quarterly results, RBI policy, and in-depth analysis of PSU & private banks. Track NPA ratios, NIM trends, and regulatory changes.
Open market operations scheduled as banking system liquidity remains in deficit ahead of advance tax outflows.
Regulator targeting unpublished price sensitive info leaks at banks, regulators and fiduciary firms.
Sanjay Malhotra signals status quo barring shocks; inflation benign, growth resilient at 7.8%.
Geopolitical tensions trigger safe-haven demand; reserves at $723.6 bn provide cushion.
"Strikes paralyse public utility"; restrictions under Industrial Disputes Act apply to all bank staff.
PSU bank credit up 14.1% YoY; WALR on outstanding loans eases to 9.35%.
System-wide GNPA ratio falls to 2.3% — lowest in 13 years [citation:6]. Recoveries via IBC accelerate to ₹1.2 lakh cr in FY26. Corporate leverage declines.
| Bank | NIM (%) | GNPA (%) | Net Profit (₹ cr) | RoA (%) | PCR (%) |
|---|---|---|---|---|---|
| SBI | 3.22 | 2.05 | 19,850 | 0.95 | 77.2 |
| HDFC Bank | 3.88 | 1.08 | 19,200 | 2.15 | 83.0 |
| ICICI Bank | 4.32 | 1.48 | 13,540 | 2.05 | 80.5 |
| Axis Bank | 4.02 | 1.65 | 8,950 | 1.75 | 79.1 |
| Kotak Bank | 4.62 | 1.28 | 5,950 | 2.35 | 85.2 |
| Bank of Baroda | 3.05 | 2.38 | 5,450 | 0.84 | 75.6 |
| PNB | 2.85 | 3.12 | 3,800 | 0.52 | 71.3 |