India's gross NPA ratio rose from 3.8% in March 2014 to 11.2% (Rs 10.4 lakh crore) in March 2018, after heavy lending to infrastructure and industry and RBI's…
RBI's June 2026 report put gross NPAs at 1.8% and net NPAs at 0.4%; the Government told Parliament 1.73%.
The 2026 amendment adds a creditor-initiated process, 14-day admission and limits on withdrawal.
Banks wrote off Rs 10.09 lakh crore in five years to FY2022 and recovered Rs 1.32 lakh crore from written-off accounts.
The Cabinet backed NARCL's security receipts with a Government guarantee of up to Rs 30,600 crore.
The court voided the 180-day circular; RBI issued a new stressed-asset framework in June 2019.
RBI's table shows Rs 10.40 lakh crore, or 11.2% of advances, in March 2018.
The Cabinet announced a plan mostly through recapitalisation bonds, with budget support and market raising.
Twelve accounts above Rs 5,000 crore, about 25% of gross NPAs, were referred.
It moved control of defaulting companies from promoters to creditors under a time-bound process.
RBI pushed restructured and standard-classed loans into NPA, lifting the ratio from 4.3% to 7.5%.
Banks lent heavily to infrastructure and industry; delays and slowdown left borrowers unable to pay.
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