See Full Document Text
GOVERNMENT OF INDIA
MINISTRY OF FINANCE
DEPARTMENT OF FINANCIAL SERVICES
LOK SABHA
UNSTARRED QUESTION NO. 1470
ANSWERED ON MONDAY, FEBRUARY 9, 2026/MAGHA 20, 1947 (SAKA)
Profit and Loss incurred by Public Sector Banks
†1470 SMT. MANJU SHARMA:
Will the Minister of FINANCE be pleased to state:
(a) the profit and loss earned/incurred by public and private sector banks during the last five years and
the current year, year-wise and bank-wise;
(b) whether any effective measures are being taken by the Government to improve the financial position
of loss-making public and private sector banks and to investigate irregularities/frauds in various
financial activities of the banks; and
(c) if so, the details thereof?
ANSWER
THE MINISTER OF STATE FOR FINANCE
(SHRI PANKAJ CHAUDHARY)
(a): As per input received from Reserve Bank of India (RBI), the profit and loss earned/incurred by
public and private sector banks during the last five years and the current year, year-wise and bank-
wise is at annexure.
(b) and (c): Government has implemented a comprehensive strategy, consisting of recognition of Non-
Performing Assets (NPAs) transparently, resolution and recovery of value from stressed accounts, and
reforms in financial ecosystem for a responsible and clean banking system. Major banking reforms
undertaken by the Government addressed credit discipline, responsible lending and improved
governance, besides adoption of technology. The growth cycle of Indian banking system is on upwards
trajectory across all parameters. Credit flow to productive sectors of economy is growing at a good
pace. The asset quality of Scheduled Commercial Banks (SCBs) has continued to improve, with gross
NPA ratio and net NPA ratio declining. The provisioning coverage ratio (PCR) of SCBs has steadily
increased. The low slippage ratio, coupled with raising of capital from the market and net capital
accretion through profits has helped banks to bolster their capital adequacy levels.
As a result of implementation of reforms in the financial system by the Government, performance of
Indian banking sector reflects the significant improvement effected in the sector. As per RBI provisional
data, as on 30.9.2025—(i) During FY 2024-25, SCBs and PSBs have recorded highest ever aggregate net profit of ₹4.01
lakh crore and ₹1.78 lakh crore, respectively. Further, the net profit of SCBs during the first half of FY
2025-26 was ₹2.08 lakh crore.
(ii) GNPA ratio of SCBs declined to 2.05% in Sep-25 from 4.28% in Mar-15, and from a peak of
11.18% in Mar-18.
(iii) Resilience has increased with PCR of SCBs increasing from 49.31% in Mar-15 to a healthy
93.23% in Sep-25.
(iv) Capital adequacy has improved significantly with CRAR of SCBs improving by 430 bps to reach
17.24% in Sep-25 from 12.94% in Mar-15.
Further, as per the RBI’s Report on Trends and Progress of Banking in India 2024-25, for the entire
banking sector the amount involved in frauds are majorly contributed by advances-related frauds. The
frauds in SCBs, as a percentage of gross loans and advances wherein amount involved is ₹ 1 lakh and
above, based on date of occurrence of frauds, have declined to a decadal low of 0.002% in FY 2024-
25.
*****Annexure
Lok Sabha Unstarred Question no. 1470 dated 9.2.2026 regarding “Profit and Loss incurred by Public
Sector Banks”
Net Profit of Scheduled Commercial Banks (SCBs) for past five years and April-September 2025.
(in ₹ Crores)
Sr. Net Profit (April to Date)
Bank/Bank Group Name
No. 31-Mar-21 31-Mar-22 31-Mar-23 31-Mar-24 31-Mar-25 30-Sep-25
PUBLIC SECTOR BANKS
1 STATE BANK OF INDIA 20,410 31,676 50,232 61,077 70,901 39,320
2 CANARA BANK 2,558 5,678 10,604 14,554 17,027 9,526
3 BANK OF BARODA 829 7,272 14,110 17,789 19,581 9,351
4 UNION BANK OF INDIA 2,906 5,232 8,433 13,648 17,987 8,365
5 PUNJAB NATIONAL BANK 2,022 3,457 2,507 8,245 16,630 6,579
6 INDIAN BANK 3,005 3,945 5,282 8,063 10,918 5,991
7 BANK OF INDIA 2,160 3,405 4,023 6,318 9,219 4,807
8 BANK OF MAHARASHTRA 550 1,152 2,602 4,055 5,520 3,226
9 CENTRAL BANK OF INDIA -888 1,045 1,582 2,549 3,785 2,382
10 INDIAN OVERSEAS BANK 834 1,713 2,099 2,656 3,335 2,337
11 UCO BANK 167 930 1,862 1,654 2,445 1,227
12 PUNJAB AND SIND BANK -2,733 1,039 1,313 595 1,016 564
SUB TOTAL 31,820 66,543 1,04,649 1,41,202 1,78,364 93,674
PRIVATE SECTOR BANKS
13 LAKSHMI VILAS BANK LTD -316 - - - - -
14 RBL BANK LIMITED 508 -75 883 1,168 695 379
15 THE DHANALAKSHMI BANK LTD 37 36 49 58 67 35
16 HDFC BANK LTD. 31,117 36,961 44,109 60,812 67,347 36,796
17 ICICI BANK LIMITED 16,193 23,339 31,897 40,888 47,227 25,127
18 AXIS BANK LIMITED 6,589 13,025 9,580 24,861 26,373 10,896
19 KOTAK MAHINDRA BANK LTD. 6,965 8,573 10,939 13,782 16,450 6,535
20 IDBI BANK LIMITED 1,359 2,439 3,645 5,634 7,515 5,635
21 FEDERAL BANK LTD 1,565 1,890 3,011 3,721 4,052 1,817
22 YES BANK LTD. -3,462 1,066 717 1,251 2,406 1,456
23 KARUR VYSYA BANK LTD 359 673 1,106 1,605 1,942 1,095
24 JAMMU & KASHMIR BANK LTD 432 502 1,197 1,767 2,082 979
25 IDFC FIRST BANK LIMITED 452 145 2,437 2,957 1,525 815
26 SOUTH INDIAN BANK LTD 62 45 775 1,070 1,303 673
27 CITY UNION BANK LIMITED 593 760 937 1,016 1,124 635
28 TAMILNAD MERCANTILE BANK LTD 603 822 1,029 1,072 1,183 622
29 KARNATAKA BANK LTD 483 509 1,180 1,306 1,272 612
30 BANDHAN BANK LIMITED 2,268 126 2,195 2,230 2,745 484
31 DCB BANK LIMITED 336 288 466 536 615 341
32 CSB BANK LIMITED 218 458 547 567 594 279
33 INDUSIND BANK LTD 2,836 4,611 7,390 8,950 2,643 239
34 NAINITAL BANK LTD 1 29 46 47 51 301,24,13 1,75,29 1,89,21
SUB TOTAL 69,198 96,223 95,480
6 7 1
FOREIGN BANKS
35 AB BANK LIMITED 8 10 19 19 63 18
36 ABU DHABI COMMERCIAL BANK PJSC 3 - - - - -
37 CREDIT SUISSE AG 330 303 261 197 - -
38 DOHA BANK Q.P.S.C -8 1 35 29 13 3
39 KRUNG THAI BANK PUBLIC COMPANY LIMITED 2 -1 - - - -
40 SBM BANK (INDIA) LTD. 19 16 21 -43 -87 3
41 CITIBANK N.A. 4,093 3,727 13,614 6,237 6,193 4,673
THE HONGKONG AND SHANGHAI BANKING
42 3,632 3,191 3,453 5,436 6,177 3,215
CORPORATION LIMITED
43 DEUTSCHE BANK AG 1,527 1,474 1,467 1,977 3,070 2,417
44 JPMORGAN CHASE BANK NATIONAL ASSOCIATION 2,045 1,480 1,932 2,564 3,715 1,860
45 BANK OF AMERICA, NATIONAL ASSOCIATION 1,227 830 1,160 1,881 2,570 1,198
46 MUFG BANK, LTD. 443 371 508 402 716 722
47 STANDARD CHARTERED BANK 3,059 4,469 4,621 3,730 1,873 687
48 DBS BANK INDIA LIMITED 628 167 228 377 684 549
49 BARCLAYS BANK PLC 258 696 669 785 1,035 537
50 BNP PARIBAS 559 512 473 593 635 478
51 SUMITOMO MITSUI BANKING CORPORATION 352 366 480 511 656 426
52 MIZUHO BANK LTD 248 194 283 439 730 350
53 SBERBANK 95 76 367 745 369 252
CREDIT AGRICOLE CORPORATE AND INVESTMENT
54 221 76 81 131 216 167
BANK
AUSTRALIA AND NEW ZEALAND BANKING GROUP
55 126 52 129 149 279 129
LIMITED
56 UBS AG - - - - 173 95
57 SHINHAN BANK 138 90 68 55 100 82
58 FIRST ABU DHABI BANK PJSC 167 102 -30 113 52 54
59 JSC VTB BANK 39 47 6 42 95 52
60 AMERICAN EXPRESS BANKING CORP. -297 -5 71 66 13 44
61 EMIRATES NBD BANK (P.J.S.C.) 33 24 42 74 84 37
62 INDUSTRIAL AND COMMERCIAL BANK OF CHINA 56 54 15 49 62 35
63 SOCIETE GENERALE 98 67 50 69 102 34
64 CTBC BANK CO., LTD. 11 11 10 33 33 27
65 MASHREQ BANK PSC 14 17 34 45 42 26
66 KEB HANA BANK 32 24 23 50 91 26
67 BANK OF CEYLON 10 6 12 9 10 19
68 INDUSTRIAL BANK OF KOREA 15 12 17 18 20 18
69 BANK OF NOVA SCOTIA 18 99 -22 66 43 17
70 QATAR NATIONAL BANK (Q.P.S.C) -7 -24 0 -8 13 17
71 COOPERATIEVE RABOBANK U.A. 2 -90 41 63 18 16
72 UNITED OVERSEAS BANK LTD 18 9 24 19 24 11
73 BANK OF CHINA LIMITED -23 -22 8 2 3 8
74 PT BANK MAYBANK INDONESIA TBK -3 -3 2 8 15 7
75 BANK OF BAHRAIN & KUWAIT B.S.C. 14 8 17 6 0 5
76 KOOKMIN BANK 3 8 1 4 -1 277 NONGHYUP BANK - - - -0.29 -1 1
78 WOORI BANK 47 33 27 18 -3 0
79 FIRSTRAND BANK LTD 2 -5 17 8 6 -0.13
80 SONALI BANK PLC 4 8 9 -13 -2 -4
81 NATWEST MARKETS PLC 27 -79 -82 - 23 -33
SUB TOTAL 19,283 18,399 30,160 26,957 29,925 18,282
SMALL FINANCE BANKS
82 FINCARE SMALL FINANCE BANK LIMITED 113 9 104 395 - -
83 SLICE SMALL FINANCE BANK LIMITED 7 -123 -213 -152 -217 6.56
84 AU SMALL FINANCE BANK LIMITED 1,171 1,130 1,428 1,535 2,106 1,142
85 UJJIVAN SMALL FINANCE BANK LIMITED 8 -415 1,100 1,281 726 225
86 JANA SMALL FINANCE BANK LIMITED 84 5 256 670 501 177
87 CAPITAL SMALL FINANCE BANK LIMITED 41 63 94 112 132 67
88 SURYODAY SMALL FINANCE BANK LIMITED 12 -93 78 216 115 66
89 UNITY SMALL FINANCE BANK LIMITED - - 35 439 482 41
90 SHIVALIK SMALL FINANCE BANK LIMITED - 1 2 2 1 3
91 ESAF SMALL FINANCE BANK LIMITED 105 55 302 426 -521 -197
92 EQUITAS SMALL FINANCE BANK LIMITED 384 281 574 799 147 -200
93 UTKARSH SMALL FINANCE BANK LIMITED 112 61 405 498 24 -588
SUB TOTAL 2038 974 4162 6220 3496 743
SCHEDULED COMMERCIAL BANKS 1,22,338 1,82,139 2,63,107 3,49,676 4,00,995 2,08,179
Source: Reserve Bank of India