Bank net interest margin in India
India: Bank net interest margin was 3.2% in 2021. ▼ Falling
Bank net interest margin in India, 2000–2021
Source: Bankscope, Bureau van Dijk (BvD). Measured in %.
Analysis
India recorded 3.2% for bank net interest margin in 2021.
The figure is down 8.0% on the previous year and down 5.0% over ten years.
Over the whole period, bank net interest margin in India peaked at 3.7% in 2004 and was at its lowest, 2.7%, in 2009.
India ranks 78th of 165 countries on this measure, in the middle of the range.
The long-run direction has been consistently falling across the 22 years of available data.
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 3.3% | 2.7% | 3.7% | 10 |
| 2010s | 3.0% | 2.8% | 3.3% | 10 |
| 2020s | 3.3% | 3.2% | 3.5% | 2 |
Countries ranked near India
More financial sector data for India
- Domestic credit to private sector by banks 44.0% (2025)
- Total reserves in months of imports 7.88 (2025)
- Net domestic credit 312.77 trillion current LCU (2025)
- Net foreign assets 66.95 trillion current LCU (2025)
- Monetary Sector credit to private sector 44.0% (2025)
- Broad money 82.1% (2021)
- Claims on central government, etc. 20.0% (2025)
- Domestic credit to private sector 44.0% (2025)
- Official exchange rate 87.16 LCU per US$, period average (2025)
- Net migration -495,753 (2025)
Frequently asked questions
- What is bank net interest margin in India?
- Bank net interest margin in India was 3.2% in 2021, according to Bankscope, Bureau van Dijk (BvD).
- What is the highest bank net interest margin recorded in India?
- The highest recorded value was 3.7% in 2004.
- What is the lowest bank net interest margin recorded in India?
- The lowest recorded value was 2.7% in 2009.
- How does India rank for bank net interest margin?
- India ranks 78th out of 165 countries with data for 2021.
- Is bank net interest margin rising or falling in India?
- Over the last ten years it is down 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 net interest margin (%). Statizoid updates them automatically from the source API.
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CSV · JSON — 22 observations, free to reuse under CC BY 4.0 (World Bank Open Data).
About this data
Raw data are from Bankscope. Data2080[t] / ((data2010[t] + data2010[t-1])/2). Numerator and denominator are 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.