The Reserve Bank of India (RBI) has developed a system called the Supervisory Data Quality Index (sDQI) to check the quality of data submitted by banks. This index measures whether the data is accurate, submitted on time, complete, and consistent.
The main aim of sDQI is to ensure that banks follow the rules given in the Master Direction on Filing of Supervisory Returns 2024. According to RBI, the sDQI scores of scheduled commercial banks have improved in December 2025 compared to September 2025. This means banks are now submitting better quality data than before.
sDQI score meaning
| Less than 70 | Between 70 and 80 | Between 80 and 90 | More than 90 |
| Major Concerns | Needs Improvement | Acceptable | Good |
The sDQI for SCBs covers 87 SCBs and their key returns (viz. Return on Asset Liability and Off-Balance Sheet Exposures (ALE), Return on Asset Quality (RAQ), Return on Operating Results (ROR), Risk Based Supervision Return (RBS), Liquidity Return (LR), Return on Capital Adequacy (RCA), Central Repository of Information on Large Credits (CRILC) – Main). Click here to download methodological paper for sDQI.
sDQI score of Banks
The sDQI score of public sector banks was 91.0 in December 2025 whereas sDQI score of private sector banks was 90.6 in December 2025.
sDQI score in December 2025
| Bank | Accuracy | Completeness | Timeliness | Consistency | sDQI score |
|---|---|---|---|---|---|
| Scheduled Commercial Banks | 87.9 | 95.8 | 92.7 | 87.0 | 90.9 |
| Public Sector Banks | 88.0 | 98.8 | 90.8 | 86.4 | 91.0 |
| Private Sector Banks | 87.2 | 97.6 | 90.1 | 87.4 | 90.6 |
| Foreign Banks | 88.3 | 92.9 | 94.4 | 87.1 | 90.7 |
| Small Finance Banks | 87.7 | 100.0 | 93.2 | 86.5 | 91.9 |
sDQI score in September 2025
| Bank | Accuracy | Completeness | Timeliness | Consistency | sDQI score |
|---|---|---|---|---|---|
| Scheduled Commercial Banks | 86.8 | 96.1 | 93.5 | 86.4 | 90.7 |
| Public Sector Banks | 86.1 | 99.4 | 93.4 | 85.6 | 91.1 |
| Private Sector Banks | 86.5 | 98.0 | 91.1 | 86.9 | 90.6 |
| Foreign Banks | 87.3 | 93.2 | 94.6 | 86.5 | 90.4 |
| Small Finance Banks | 86.2 | 100.0 | 93.5 | 86.1 | 91.5 |
