**Executive Summary**
The Reserve Bank of India released its ‘Quarterly Basic Statistical Return (BSR)-1 on Credit by Scheduled Commercial Banks (SCBs) – September 2025’ publication on November 28, 2025. The publication captures data related to bank credit characteristics, including borrower sector, account types, and interest rates. The reference date for the BSR-1 is the last day of the quarter.
**Key Points / Main Content**
* **Overall Credit Growth:**
* Bank credit growth improved to 10.7% in September 2025 from 9.9% in June 2025.
* **Weighted Average Lending Rate (WALR):**
* WALR on outstanding credit declined by 64 bps to 9.56% in September 2025 from 10.20% in September 2024.
* Housing loans witnessed a WALR decline of 92 bps during the same period.
* **Sector-wise Performance:**
* Personal loans grew by 12.5% (y-o-y) in September 2025, exceeding overall credit growth.
* Credit growth in agriculture decelerated to 10.4% and industry to 8.4% in September 2025 compared to September 2024.
* **Public vs. Private Sector Banks:**
* Private sector banks' credit growth remained lower than that of public sector banks since September 2024.
* The share of public sector banks increased to 53.9% in September 2025 from 53.2% in September 2024.
* **Household and Corporate Sectors:**
* The household sector's share in total credit increased to 58.5% in September 2025 from 57.4% a year ago.
* Annual credit growth to the private corporate sector increased to 9.0% in September 2025 from 7.9% in the last quarter.
**Impact Analysis**
**Scheduled Commercial Banks (SCBs)**
**Impact**
* SCBs need to be aware of the trends in credit growth across different sectors and population groups.
* SCBs will need to adjust their lending rates and strategies based on the WALR trends.
**Action Required**
* Review their lending practices to align with the observed credit growth patterns and adjust lending rates.
* Submit accurate and timely data for the BSR-1 reporting.
**Borrowers (Individuals, Businesses, etc.)**
**Impact**
* Borrowers will be affected by the changes in lending rates, particularly for housing loans.
* Borrowers in specific sectors like agriculture and industry may experience changes in credit availability.
**Action Required**
* Monitor interest rate trends and adjust financial planning accordingly.
**Reserve Bank of India (RBI)**
**Impact**
* The BSR-1 data informs RBI's policy decisions related to credit regulation and supervision.
* RBI can use the data to assess the health of the banking sector and the overall economy.
**Action Required**
* Analyze the BSR-1 data to formulate appropriate monetary and regulatory policies.
Key Entities Referenced
Quarterly Basic Statistical Return (BSR)-1: A web publication by the Reserve Bank that captures various classificatory characteristics of bank credit.
Scheduled Commercial Banks (SCBs): Banks whose credit data is reported in the BSR-1, excluding Regional Rural Banks (RRBs).
Reserve Bank of India: The regulator that released the BSR-1 publication.
RBI Act, 1934: The Act under which Form-A Return is collected.
प्रेस प्रकाशनी PRESS RELEASE
भारतीय ररज़र्व बैंक
RESERVE BANK OF INDIA
वेबसाइट
:
www.rbi.org.in/hindi
संचार वर्भाग, केंद्रीय कायाालय, शहीद भगत ससिंह मागा, फोटा, म िंबई - 400 001
Website : www.rbi.org.in Department of Communication, Central Office, Shahid Bhagat Singh Marg, Fort,
ई-मेल/email : helpdoc@rbi.org.in Mumbai - 400 001 फोन/Phone: 022 - 2266 0502
November 28, 2025
Quarterly Basic Statistical Return (BSR)-1 on Credit by Scheduled Commercial
Banks – September 2025
Today, the Reserve Bank released its web publication entitled ‘Quarterly Basic
Statistical Return (BSR)-1 on Credit by Scheduled Commercial Banks (SCBs) 1 -
September 20252 on its ‘Database on Indian Economy’ portal (https://data.rbi.org.in
>Homepage > Publications). It captures various classificatory characteristics of bank
credit such as occupation/activity/organisational sector of the borrower, types of accounts
and their interest rates based on account-level reporting. Data reported by SCBs
{excluding Regional Rural Banks (RRBs)} are presented across bank groups, population
groups3
Highlights:
• Bank credit growth (y-o-y) improved to 10.7 per cent in September 2025 from 9.9 per
cent in June 2025 (Chart - I4).
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 September 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 September 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-June 2025
position, was published on August 29, 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 weighted average lending rate (WALR) on outstanding credit exhibited a notable
decline of 64 basis points (bps) from 10.20 per cent in September 2024 to 9.56 per
cent in September 2025 (Chart-II). Among major loan categories, housing loans
witnessed a decline of 92 bps in WALR during the same period.
• Private sector banks' credit growth remained lower than that of public sector banks
since September 2024, resulting in marginal increase in the share of later to 53.9 per
cent in September 2025 from 53.2 per cent in September 2024.
• Personal loans grew (y-o-y) by 12.5 per cent in September 2025, higher than overall
credit growth. All major categories of personal loans viz., housing, education, vehicle,
and other personal loans, however, witnessed moderation in growth when compared
to the previous year.
• Consistent with overall decline in credit growth compared to the previous year, credit
growth in agriculture decelerated to 10.4 per cent in September 2025 from 13.2 per
cent in September 2024; similar trend in industrial sector has also been observed as
its growth declined to 8.4 per cent from 10.4 per cent during the same period.
• The household sector's5 share in total credit increased to 58.5 per cent in September
2025 from 57.4 per cent a year ago. Credit to individuals grew by 12.3 per cent in the
said period and the same for other household segments expanded by 14.9 per cent.
• The private corporate sector accounted for one-fourth of total credit, with annual
growth increased to 9.0 per cent in September 2025 from 7.9 per cent in the last
quarter.
Ajit Prasad
Press Release: 2025-2026/1583 Deputy General Manager
(Communications)
5 Household sector includes individuals, proprietary concerns, Hindu undivided families (HUF) and partnership firms,
among others.