The level of bad loans may be three percent in 2026, RBI has said this on the basis of the records of 46 public and private banks working on commercial bank licenses. However, right now (September, 2024) the level of bad loans (in comparison to total advances) is 2.6 percent, which is the lowest level in the last 12 years.
However, RBI says that it may increase to three percent in March, 2026. RBI has said that the level of gross NPA in proportion to total advances may increase to 5.3 percent within the next two years based on potential risks.
The year 2025 will be good for the Indian economy: RBI chief
This FSR report has been released for the first time under the leadership of RBI‘s new governor Sanjay Malhotra. RBI chief Malhotra has expressed hope in this that the next year i.e. 2025 will be much better for the Indian economy. He has written in its preface, ‘Despite global uncertainty, the condition of the Indian economy will improve in the second quarter of the current financial year.
Now our effort will be to maintain financial stability in the country so that the Indian economy can move on the path of rapid economic growth rate. The confidence of consumers and the business world is very strong for the next year.
Given the better financial performance of the corporate world, investment is also likely to increase in the year 2025. Let us tell you that raising the issue of slowdown in growth rate, the Finance Ministry had expressed concern in its November monthly report and said that it cannot be denied that RBI’s policies are also responsible for the slowdown in the first half. In the second quarter, the GDP growth rate had come down to a seven-quarter low of 5.4 percent.
