由于破产改革和数字贷款, 印度公共银行出现了创纪录的低坏贷款和高回收率, Indian public sector banks saw record low bad loans and high recovery rates, driven by bankruptcy reforms and digital lending, though farm loans remain a concern.

印度公共部门银行在不良资产比率方面达到十年来的最低水平,由于《破产和破产法》的规定,自2018年以来的回收率几乎翻了一番。 India's public sector banks achieved multi-decade lows in non-performing asset ratios, with recovery rates nearly doubling since 2018 due to the Insolvency and Bankruptcy Code. 截至2025年9月,资本充足率仍然强劲,为17.2%,区域农村银行报告,在根据新框架从196家合并到28家之后,其利润创纪录。 Capital adequacy remained strong at 17.2% as of September 2025, and Regional Rural Banks reported record profits after consolidating from 196 to 28 under a new framework. 2025年推出的数字信贷评估模式在贷款申请中处理了3.2万卢比以上的贷款申请,促进了中小型和微型企业的借贷。 A digital credit assessment model launched in 2025 processed over Rs 3.2 lakh crore in loan applications, boosting MSME lending. 尽管取得了进展,但农业部门的国家行动计划仍然高达6.0%,占不良贷款总额的很大比例。 Despite progress, agriculture sector NPAs remain elevated at 6.0%, accounting for a large share of total bad loans.