Bank nonperforming loans to total gross loans in India
India: Bank nonperforming loans to total gross loans was 2.1% in 2025. ▲ Rising
Bank nonperforming loans to total gross loans in India, 2005–2025
Source: Financial Soundness Indicators, International Monetary Fund (IMF). Measured in %.
Analysis
In 2025, bank nonperforming loans to total gross loans in India stood at 2.1%. That is the lowest value across all 17 years on record.
Compared with earlier readings it is down 17.5% on the previous year and down 64.9% over ten years.
Over the whole period, bank nonperforming loans to total gross loans in India peaked at 10.0% in 2017 and was at its lowest, 2.1%, in 2025.
That places India 110th out of 150 countries with data for 2025, putting it in the middle of the range.
The long-run direction has been consistently rising across the 17 years of available data.
Bank nonperforming loans to total gross loans in India, year by year
| Year | % | Change |
|---|---|---|
| 2005 | 4.4% | — |
| 2008 | 2.4% | -44.3% |
| 2011 | 2.7% | +9.0% |
| 2012 | 3.4% | +26.4% |
| 2013 | 4.0% | +19.4% |
| 2014 | 4.3% | +7.9% |
| 2015 | 5.9% | +35.4% |
| 2016 | 9.2% | +56.1% |
| 2017 | 10.0% | +8.6% |
| 2018 | 9.5% | -5.2% |
| 2019 | 9.2% | -2.4% |
| 2020 | 7.9% | -14.0% |
| 2021 | 6.5% | -17.6% |
| 2022 | 4.8% | -26.5% |
| 2023 | 3.4% | -30.2% |
| 2024 | 2.5% | -25.6% |
| 2025 | 2.1% | -17.5% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 3.4% | 2.4% | 4.4% | 2 |
| 2010s | 6.5% | 2.7% | 10.0% | 9 |
| 2020s | 4.5% | 2.1% | 7.9% | 6 |
Countries ranked near India
More financial sector data for India
- Total reserves (gold at national valuation) (SDR), annual growth rate 3.02 % change on previous year (2025)
- Total reserves (gold at national valuation) (SDR), per capita 343.04 SDR per person (2025)
- Total reserves in months of imports, annual growth rate 4.72 % change on previous year (2025)
- Total reserves in months of imports, per unit of GDP 0 units per US$ of GDP (2025)
- Total reserves in months of imports, per capita 0 units per person (2025)
- Reserves excluding gold, foreign exchange (SDR), annual growth rate -3.83 % change on previous year (2025)
- Reserves excluding gold, foreign exchange (SDR), per unit of GDP 0.1021 SDR per US$ of GDP (2025)
- Reserves excluding gold, foreign exchange (SDR), per capita 275.79 SDR per person (2025)
- Reserves excluding gold (SDR), annual growth rate -3.62 % change on previous year (2025)
- Reserves excluding gold (SDR), per capita 287.54 SDR per person (2025)
Frequently asked questions
- What is bank nonperforming loans to total gross loans in India?
- Bank nonperforming loans to total gross loans in India was 2.1% in 2025, according to Financial Soundness Indicators, International Monetary Fund (IMF).
- What is the highest bank nonperforming loans to total gross loans recorded in India?
- The highest recorded value was 10.0% in 2017.
- What is the lowest bank nonperforming loans to total gross loans recorded in India?
- The lowest recorded value was 2.1% in 2025.
- How does India rank for bank nonperforming loans to total gross loans?
- India ranks 110th out of 150 countries with data for 2025.
- Is bank nonperforming loans to total gross loans rising or falling in India?
- Over the last ten years it is down 64.9%. The long-run trend across the full record is rising.
- Where does this India data come from?
- The figures come from Financial Soundness Indicators, International Monetary Fund (IMF), published as part of Bank nonperforming loans to total gross loans (%). Statizoid updates them automatically from the source API.
Download this data
CSV · JSON — 17 observations, free to reuse under CC BY 4.0 (World Bank Open Data).
About this data
The indicator measures the proportion of a deposit taker’s loan portfolio that is impaired or at risk of default. It is calculated as the ratio of non-performing loans (NPLs) to total gross loans, where NPLs are defined as loans that are past due by 90 days or more or are otherwise considered unlikely to be repaid in full without the realization of collateral. Both non-performing loans and total gross loans should be reported at their gross book value, without deducting for loan-loss provisions or collateral. This indicator provides a key measure of asset quality and potential credit risk in the banking system.