Executive Summary:
The Reserve Bank of India released the Quarterly Basic Statistical Return (BSR1) on Credit by Scheduled Commercial Banks (SCBs) for June 2025. The report captures data on bank credit characteristics, including borrower occupation/activity, organizational sector, account type, and interest rates. The data excludes Regional Rural Banks (RRBs) and is presented for bank groups, population groups, and states.
Key Points / Main Content:
* **Overall Credit Growth:**
* Bank credit growth decelerated to 9.9% in June 2025 from 15.0% in June 2024.
* **Interest Rates:**
* The share of loans with interest rates below 9% increased to 54.1% in June 2025.
* The weighted average lending rate (WALR) on outstanding credit declined by 39 basis points during April-June 2025.
* **Loan Types:**
* Personal loans grew faster, accounting for 32.0% of total credit in June 2025, with housing loans making up more than half.
* Industrial credit growth declined to 7.6%, with its share in total credit decreasing to 23.3%.
* **Sectoral Credit:**
* Credit growth for public sector organizations rose to 11.3%, with their share in total credit at 13.7%.
* The share of individuals in total credit increased to 47.2%.
* Credit growth to female borrowers outpaced male borrowers, increasing women's share to 23.7% within credit to individuals.
* **Geographical Distribution:**
* Metropolitan branches accounted for the majority of bank loans, but their share moderated to 59.7%.
* **Bank Groups:**
* Public sector banks recorded higher credit growth (11.0%) compared to private (8.3%) and foreign banks (8.0%), holding 53.7% of total credit.
Impact Analysis:
Scheduled Commercial Banks (SCBs):
* Impact: SCBs are the primary data providers for the BSR1 report, excluding Regional Rural Banks (RRBs). The report highlights trends in their lending activities, interest rates, and sectoral exposure, impacting their strategic decision-making.
* Action Required: SCBs need to continue accurate account-level reporting of credit data, including borrower characteristics, account types, and interest rates, to the RBI.
Reserve Bank of India (RBI):
* Impact: The BSR1 provides the RBI with crucial data for monitoring credit trends, assessing the impact of monetary policy, and informing regulatory decisions.
* Action Required: The RBI will use the BSR1 data for policy formulation, monitoring bank performance, and ensuring financial stability.
Borrowers (Individuals, Public Sector, Industries):
* Impact: The report provides insights into the availability and cost of credit across different sectors and demographics, which affects borrowing decisions.
* Action Required: Borrowers can use the information to understand current credit trends, compare interest rates, and assess opportunities for obtaining financing.
Key Entities Referenced
Reserve Bank of India: The central bank of India, responsible for monetary policy and regulation of the banking system.
Quarterly Basic Statistical Return BSR1 on Credit: A web publication by the Reserve Bank of India that captures characteristics of bank credit.
Scheduled Commercial Banks: Banks in India that are listed in the Second Schedule to the Reserve Bank of India Act, 1934.
Database on Indian Economy: A portal maintained by the Reserve Bank of India for accessing data related to the Indian economy.
Regional Rural Banks: Regional Rural Banks (RRBs) are financial institutions in India that operate at a regional level, primarily serving rural areas.
RBI Act, 1934: The Reserve Bank of India Act, 1934, is the legislation under which the Reserve Bank of India was established and governs its operations.
June 2025: Reference date for the Quarterly Basic Statistical Return BSR1 on Credit by Scheduled Commercial Banks.
Mumbai: City in Maharashtra, location of the Reserve Bank of India Central Office.
प्रसे प्रकाशनी PRESS RELEASE
भारतीय ररज़र्व बैंक
RESERVE BANK OF INDIA
र्ेबसाइट : www.rbi.org.in/hindi संचार वर्भाग, केंद्रीय कायावलय, शहीद भगत ससंह मागव, फोटव, मब ं ई - 400 001
Website : www.rbi.org.in Department of Communication, Central Office, Shahid Bhagat Singh Marg, Fort,
ई-मले /email : helpdoc@rbi.org.in Mumbai - 400 001 फोन/Phone: 022 - 2266 0502
August 29, 2025
Quarterly Basic Statistical Return (BSR)-1 on Credit by Scheduled Commercial
Banks – June 2025
Today, the Reserve Bank released its web publication entitled ‘Quarterly Basic
Statistical Return (BSR)-1 on Credit by Scheduled Commercial Banks (SCBs)1 June 20252
on its ‘Database on Indian Economy’ portal (https://data.rbi.org.in Homepage >
Publications). It captures various characteristics of bank credit such as occupation/activity
and organisational sector of the borrower, type of account and interest rates based on
account-level reporting. Data reported by SCBs {excluding Regional Rural Banks (RRBs)}
are presented for bank groups, population groups3 and states.
Highlights:
• Bank credit growth (y-o-y) decelerated to 9.9 per cent in June 2025 from 15.0 per cent
(net of merger4 ) in June 2024 (Chart - I).
1 Banking aggregates based on fortnightly Form-A Return (collected under Section 42(2) of the RBI Act, 1934) for the
last reporting Friday of June 2025 were published earlier at our website (Home>Statistics>Data
Release>Fortnightly>Scheduled Bank's Statement of Position in India ) and aggregate level monthly data on sectoral
deployment of bank credit for June 2025, reported by select major banks, were also released on the website
(Home>Statistics>Data Releases>Monthly> Data on Sectoral Deployment of Bank Credit ).
2 Reference date for BSR-1 is last day of the quarter. Previous data release in the series, covering end-March 2025
position, was published on May 30, 2025 , on RBI website.
3 Population group criteria used for BSR is based on population size of respective revenue centre, as per census 2011,
where
branches of SCBs are operating and classified as: a) 'Rural' (population less than 10,000), b) 'Semi-urban' (population
of
10,000 to less than 1 lakh), c) 'Urban' (population of 1 lakh to less than 10 lakhs), d) 'Metropolitan' (population of 10
lakhs
and above).
4 For comparison purpose, growth figures from period September 2023 to June 2024 are calculated by adjusting merger
of
a non-bank with bank.2
• The share of loans bearing interest rates below 9 per cent increased to 54.1 per cent
in June 2025, from 43.2 per cent in the previous year, with easing of policy rates.
• In line with monetary policy actions, the weighted average lending rate (WALR) on
outstanding credit declined by 39 basis points (bps) during April–June 2025, with
reductions observed across all major sectors (Chart -II).
• Personal loans continued to grow faster than overall credit, gradually increasing their
share to 32.0 per cent of total credit by June 2025; within personal loans, housing loans
accounted for more than the half.
• Industrial credit growth (y-o-y) declined to 7.6 per cent in June 2025 from 11.3 per cent
a year ago; its share in total credit declined marginally to 23.3 per cent in Q1: 2025-26
from 23.8 per cent a year ago (Chart -I).
• Credit growth (y-o-y) for public sector organisations maintained its upward trajectory in
Q1:2025-26, rising to 11.3 per cent in June 2025, a significant turnaround from (-)1.7
per cent a year ago; their share in total credit stood at 13.7 per cent.
• The share of individuals in total credit rose to 47.2 per cent in June 2025, up from 46.5
per cent in June 2024. Growth in credit to female borrowers continued to outpace that
of male, lifting women’s share within credit to individuals to 23.7 per cent from 23.4 per
cent in June 2024.
• Metropolitan branches accounted for the majority of bank loans; however, their share
in total credit moderated to 59.7 per cent in June 2025 from 60.6 per cent a year ago,
as rural, semi-urban and urban branches recorded higher growth in bank lending.
• Public sector banks recorded higher credit growth (y-o-y) (11.0 per cent) than private
sector banks (8.3 per cent) and foreign banks (8.0 per cent) in June 2025, sustaining
their leading position of 53.7 per cent in total credit.
Ajit Prasad
Press Release: 2025-2026/999 Deputy General Manager
(Communications)