{"version":1,"asset_type":"statistical_series","data_type":"time_series","slug":"in-bank-npl-ratio","url":"https://apiardata.com/statistics/in-bank-npl-ratio","html_url":"https://apiardata.com/statistics/in-bank-npl-ratio/","title":"India Bank Non-Performing Loans Ratio (2025)","description":"India's Bank Non-Performing Loans Ratio: 2.1 % of total gross loans in 2025, -0.4pp YoY. World Bank (FB.AST.NPER.ZS), 2005–2025.","domain":"macro","category":"Economy & Macro","keywords":["Economy & Macro","World Bank","India","2025"],"publisher":"World Bank","frequency":"Annual","geography":"India","temporal_coverage":"2005/2025","unit":"% of total gross loans","last_updated":"2026-07-27","last_updated_text":"27 July 2026","data_as_of":"2025","variable_measured":"India Bank Non-Performing Loans Ratio","license":"https://apiardata.com/data-license","is_accessible_for_free":true,"sources":[{"name":"World Bank","url":"https://data.worldbank.org/indicator/FB.AST.NPER.ZS?locations=IN"}],"meta":[{"label":"Frequency","value":"Annual"},{"label":"Coverage","value":"2005–2025"},{"label":"Observations","value":"17"},{"label":"Geography","value":"India"},{"label":"Last updated","value":"27 July 2026"}],"kpis":[{"label":"India (2025)","value":"2.1","unit":"% of total gross loans","trend":{"direction":"down","value":"-0.4pp YoY"}},{"label":"YoY Change","value":"-0.4pp","unit":"percentage points"},{"label":"Trend","value":"down","unit":""},{"label":"Series length","value":"17","unit":"years of data"}],"series":[{"key":"value","label":"India Bank Non-Performing Loans Ratio"}],"observation_count":17,"observations":[{"period":"2005","value":4.4017855944882},{"period":"2008","value":2.44971206075607},{"period":"2011","value":2.67019501469286},{"period":"2012","value":3.37395391664123},{"period":"2013","value":4.0277286350163},{"period":"2014","value":4.34584976316208},{"period":"2015","value":5.88352227400691},{"period":"2016","value":9.18565591814956},{"period":"2017","value":9.97528206363178},{"period":"2018","value":9.46095691207991},{"period":"2019","value":9.23442899080833},{"period":"2020","value":7.93883072465331},{"period":"2021","value":6.54245582956179},{"period":"2022","value":4.81188454630947},{"period":"2023","value":3.35890319602042},{"period":"2024","value":2.50044366571028},{"period":"2025","value":2.06283569455848}],"table":{"columns":[{"key":"year","label":"Year"},{"key":"value","label":"% of total gross loans"},{"key":"yoyChange","label":"Change"}],"rows":[{"year":"2025","value":"2.1","yoyChange":"-0.4pp"},{"year":"2024","value":"2.5","yoyChange":"-0.9pp"},{"year":"2023","value":"3.4","yoyChange":"-1.4pp"},{"year":"2022","value":"4.8","yoyChange":"-1.7pp"},{"year":"2021","value":"6.5","yoyChange":"-1.4pp"},{"year":"2020","value":"7.9","yoyChange":"-1.3pp"},{"year":"2019","value":"9.2","yoyChange":"-0.3pp"},{"year":"2018","value":"9.5","yoyChange":"-0.5pp"},{"year":"2017","value":"10.0","yoyChange":"+0.8pp"},{"year":"2016","value":"9.2","yoyChange":"+3.3pp"},{"year":"2015","value":"5.9","yoyChange":"+1.6pp"},{"year":"2014","value":"4.3","yoyChange":"+0.3pp"},{"year":"2013","value":"4.0","yoyChange":"+0.6pp"},{"year":"2012","value":"3.4","yoyChange":"+0.7pp"},{"year":"2011","value":"2.7","yoyChange":"+0.3pp"},{"year":"2008","value":"2.4","yoyChange":"-2.0pp"},{"year":"2005","value":"4.4","yoyChange":"n/a"}]},"qa":[{"question":"What does this indicator measure?","answer":"This page tracks the ratio of non-performing bank loans (90+ days past due) to total gross loans in India from 2000 to present. This is the primary asset-quality indicator for banking sector stability. It is published by World Bank and updated annually."},{"question":"How current is this data?","answer":"The most recent observation covers 2025. World Bank typically publishes this series with a lag of several months after the reference period. The series runs 2005–2025 (17 observations)."},{"question":"What is the long-term trend?","answer":"The series peaked at 10 % of total gross loans in 2017 and reached its lowest recorded value of 2.1 in 2025. The latest reading of 2.1 in 2025 represents a change of -0.4pp."}]}