**Executive Summary**
The Reserve Bank of India released the Quarterly Basic Statistical Return (BSR)-1 on Credit by Scheduled Commercial Banks (SCBs) for September 2025. The report, available on the 'Database on Indian Economy' portal, captures characteristics of bank credit based on account-level reporting. The publication date of this press release is November 28, 2025.
**Key Points / Main Content**
* **Overall Credit Growth:**
* Bank credit growth improved to 10.7% in September 2025, up from 9.9% in June 2025.
* **Weighted Average Lending Rate (WALR):**
* WALR on outstanding credit decreased by 64 basis points to 9.56% in September 2025 compared to 10.20% in September 2024.
* Housing loans experienced a decline of 92 bps in WALR during the same period.
* **Sectoral Growth:**
* Private sector banks' credit growth was lower than public sector banks, resulting in a marginal increase in the share of the latter to 53.9%.
* Personal loans grew by 12.5% in September 2025.
* Credit growth in agriculture decelerated to 10.4% in September 2025, while industrial sector growth declined to 8.4%.
* **Household Sector:**
* The household sector's share in total credit increased to 58.5%.
* Credit to individuals grew by 12.3%, and to other household segments by 14.9%.
* **Private Corporate Sector:**
* The private corporate sector accounted for one-fourth of total credit, with an annual growth of 9.0%.
**Impact Analysis**
**Scheduled Commercial Banks (SCBs)**
* **Impact:** SCBs are the primary data providers for the BSR-1 report, excluding Regional Rural Banks (RRBs). The report reflects their lending activities and is used by the RBI for policy and analysis.
* **Action Required:** SCBs must continue to accurately report data, ensuring compliance with RBI guidelines for statistical reporting.
**Borrowers (Individuals, Businesses, and Organizations)**
* **Impact:** The report provides insights into the trends in credit availability and interest rates, which can influence borrowing decisions. Changes in sectoral growth rates, such as personal loans, agriculture and industrial sectors, directly affect the cost and availability of credit for these sectors.
* **Action Required:** Borrowers need to stay informed about trends in credit availability and interest rates to make informed financial decisions.
**RBI and Policymakers**
* **Impact:** The BSR-1 data serves as a key input for the RBI in formulating monetary policy and assessing the overall health of the banking sector and economy.
* **Action Required:** Use the data to monitor credit growth, adjust policy levers, and ensure financial stability.
**Investors and Analysts**
* **Impact:** The report provides valuable information for investors and analysts to assess the performance of the banking sector and the overall economy. Trends in credit growth, sectoral allocation, and interest rates are useful for making investment decisions.
* **Action Required:** Incorporate the report's findings into financial models and investment strategies.
Key Entities Referenced
Reserve Bank of India: The central bank of India, responsible for releasing the BSR-1 publication.
Quarterly Basic Statistical Return (BSR)-1: A Reserve Bank of India publication providing statistical data on credit by scheduled commercial banks.
Scheduled Commercial Banks (SCBs): Banks included in the BSR-1 data collection; data excludes Regional Rural Banks (RRBs).
RBI Act, 1934, Section 42(2): The section of the RBI Act under which the 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.