Bank cost to income ratio (%) in India
India: Bank cost to income ratio (%) was 47.8% in 2021. ▼ Falling
Bank cost to income ratio in India, 2000–2021
Source: Bankscope, Bureau van Dijk (BvD). Measured in %.
Analysis
In 2021, bank cost to income ratio in India stood at 47.8%.
The figure is up 5.4% on the previous year and up 5.0% over ten years.
Over the whole period, bank cost to income ratio in India peaked at 62.5% in 2001 and was at its lowest, 44.2%, in 2012.
That places India 126th out of 169 countries with data for 2021, putting it in the middle of the range.
The long-run direction has been consistently falling across the 22 years of available data.
Bank cost to income ratio (%) in India, year by year
| Year | % | Change |
|---|---|---|
| 2000 | 59.5% | — |
| 2001 | 62.5% | +5.0% |
| 2002 | 54.5% | -12.8% |
| 2003 | 48.7% | -10.6% |
| 2004 | 45.5% | -6.6% |
| 2005 | 49.8% | +9.5% |
| 2006 | 53.0% | +6.4% |
| 2007 | 50.6% | -4.4% |
| 2008 | 48.1% | -5.0% |
| 2009 | 45.0% | -6.4% |
| 2010 | 45.0% | -0.0% |
| 2011 | 45.5% | +1.2% |
| 2012 | 44.2% | -2.8% |
| 2013 | 45.8% | +3.5% |
| 2014 | 47.4% | +3.4% |
| 2015 | 47.2% | -0.3% |
| 2016 | 45.5% | -3.7% |
| 2017 | 47.7% | +4.8% |
| 2018 | 49.1% | +3.0% |
| 2019 | 46.0% | -6.3% |
| 2020 | 45.4% | -1.5% |
| 2021 | 47.8% | +5.4% |
India compared with similar countries
- India's 47.8% is below the median for lower middle income countries, which is 53.9%, 89% of the median. (38 countries reporting)
- India's 47.8% is above the median for South Asia, which is 46.1%, 1.0× the median. (6 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 51.7% | 45.0% | 62.5% | 10 |
| 2010s | 46.4% | 44.2% | 49.1% | 10 |
| 2020s | 46.6% | 45.4% | 47.8% | 2 |
Countries ranked near India
More financial sector data for India
- Reserve position in the IMF, US dollar, annual growth rate 13.2 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.0012 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 3.26 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 7.8 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.0009 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 2.38 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 13.2 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.0012 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 3.26 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 7.8 % change on previous year (2025)
Frequently asked questions
- What is bank cost to income ratio in India?
- Bank cost to income ratio in India was 47.8% in 2021, according to Bankscope, Bureau van Dijk (BvD).
- What is the highest bank cost to income ratio recorded in India?
- The highest recorded value was 62.5% in 2001.
- What is the lowest bank cost to income ratio recorded in India?
- The lowest recorded value was 44.2% in 2012.
- How does India rank for bank cost to income ratio?
- India ranks 126th out of 169 countries with data for 2021.
- Is bank cost to income ratio rising or falling in India?
- Over the last ten years it is up 5.0%. The long-run trend across the full record is falling.
- Where does this India data come from?
- The figures come from Bankscope, Bureau van Dijk (BvD), published as part of Bank cost to income ratio (%). Statizoid updates them automatically from the source API.
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About this data
Raw data are from Bankscope. Data2090 / (data2080 + data2085). All Numerator and denominator are first aggregated on the country level before division. Note that banks used in the calculation might differ between indicators. Calculated from underlying bank-by-bank unconsolidated data from Bankscope.