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