Public Sector Banks Report Record Profits and Lowest NPAs in FY26, Government Shares Performance Data

The financial condition of Public Sector Banks (PSBs) has improved significantly over the last five years. Their balance sheets have become stronger, profits have reached record levels, and Gross Non-Performing Assets (GNPAs) have fallen to the lowest level in many years. At the same time, banks have expanded their deposits, loans, and overall business while maintaining strong capital adequacy.

Financial Performance of Public Sector Banks

Financial Parameter	31 Mar 2022	31 Mar 2023	31 Mar 2024	31 Mar 2025	31 Mar 2026
Total Business (₹ lakh crore)	181.5	203.2	226.7	251.7	283.3
Total Deposits (₹ lakh crore)	107.2	117.1	129.0	142.0	156.3
Total Loans & Advances (₹ lakh crore)	74.3	86.1	97.7	109.8	127.0
Net Profit (₹ lakh crore)	0.67	1.05	1.41	1.78	1.98
Gross NPA (%)	7.3	5.0	3.5	2.6	1.9
Capital Adequacy (CRAR %)	14.6	15.5	15.6	16.1	16.6

Credit Growth Across Key Sectors

Public Sector Banks have also continued to increase lending across important sectors such as retail, agriculture, MSMEs, and infrastructure. Retail and MSME loans recorded strong growth in FY 2025-26, while agriculture loans also maintained healthy growth.

Sector-wise Credit Growth (Year-on-Year)

Sector	31 Mar 2022	31 Mar 2023	31 Mar 2024	31 Mar 2025	31 Mar 2026
Retail Loans (%)	12.9	20.2	12.6	17.7	19.8
Agriculture & Allied Activities Loans (%)	6.7	18.8	16.9	9.8	16.2
MSME Loans (%)	-1.7	9.0	11.0	9.8	19.6
Infrastructure Loans* (%)	-14.7	33.7	5.9	2.2	4.9

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