Asset Quality

§12 — gross NPA, slippages and credit cost. Net NPA exists for only 8 of 41 banks in Tijori, so GNPA is the primary measure.

Provision coverage, SMA-1/2, restructured book, write-offs and recoveries are not available in Tijori for any bank. They can be parsed from investor presentations via the document endpoint — see Buoyant Data Requirements.

Gross NPA

1.9%

median, listed lenders

Net NPA (8 banks)

0.8%

median, listed lenders

Credit cost

1.3%

median, listed lenders

CRAR

18.9%

median, listed lenders

ROA

1.1%

median, listed lenders

Loan growth

17.7%

median, listed lenders

Median gross NPA and credit cost

Median across the 41 listed lenders, FY17–FY26

Gross NPA vs credit cost

Stock of stress vs the flow being provided against

display

#	Bank	Category
1	Suryoday Small Fin.	SFB	6.5%	52	1.2%	—	92	20.0%	—
2	ESAF Small Finance	SFB	5.4%	24	0.8%	4.4%	—	23.9%	3.0%
3	Indusind Bank	Large Private	3.3%	93	—	2.5%	1660	17.1%	1.5%
4	Bandhan Bank	Mid/Small Private	3.1%	37	—	3.3%	1080	18.2%	2.3%
5	PNB	PSU	2.8%	20	—	1.1%	2080	18.1%	0.6%
6	Union Bank Of India	PSU	2.6%	16	—	1.0%	2062	18.5%	0.6%
7	CentralBank of India	PSU	2.6%	9	—	1.3%	839	18.3%	0.8%
8	Karnataka Bank	Mid/Small Private	2.6%	1	—	0.8%	114	21.1%	0.5%
9	Capital Small Fin.	SFB	2.5%	13	1.1%	0.9%	—	21.6%	0.6%
10	DCB Bank	Mid/Small Private	2.4%	36	0.8%	1.0%	401	17.0%	0.7%
11	J&K Bank	Mid/Small Private	2.4%	28	—	0.6%	130	16.7%	0.3%
12	Equitas Small Fin.	SFB	2.4%	4	0.7%	2.9%	165	19.4%	2.0%
13	IDBI Bank	ex-PSU	2.3%	19	—	0.6%	442	26.9%	0.3%
14	Jana Small Fin. Bank	SFB	2.2%	14	0.8%	2.8%	—	20.2%	2.0%
15	Punjab & Sind Bank	PSU	2.2%	18	—	0.8%	207	17.6%	0.5%
16	Ujjivan Small Fin	SFB	2.2%	28	—	2.9%	—	20.4%	1.9%
17	UCO Bank	PSU	2.1%	4	—	1.8%	424	19.0%	1.0%
18	AU Small Fin. Bank	SFB	2.0%	64	—	2.0%	798	18.9%	1.4%
19	Bank Of Baroda	PSU	2.0%	27	—	1.3%	3183	16.3%	0.8%
20	Indian Bank	PSU	1.9%	23	—	1.3%	1250	17.6%	0.8%
21	Dhanlaxmi Bank	Mid/Small Private	1.8%	16	—	0.8%	46	19.2%	0.6%
22	Bank Of India	PSU	1.8%	7	—	1.0%	1778	18.7%	0.6%
23	CSB Bank	Mid/Small Private	1.8%	40	0.4%	1.3%	98	20.0%	0.9%
24	City Union Bank	Mid/Small Private	1.7%	22	—	1.2%	195	21.7%	0.8%
25	Canara Bank	PSU	1.6%	12	—	1.2%	1781	17.2%	0.8%
26	Federal Bank	Mid/Small Private	1.5%	0	—	1.3%	409	17.0%	0.9%
27	IDFC First Bank	Mid/Small Private	1.5%	2	—	2.2%	—	15.1%	1.5%
28	State Bank Of India	PSU	1.5%	0	—	1.1%	7046	15.7%	0.6%
29	Bank of Maharashtra	PSU	1.4%	0	—	1.5%	888	18.6%	1.0%
30	ICICI Bank	Large Private	1.4%	0	—	1.6%	5552	16.8%	0.9%
31	South Indian Bank	Mid/Small Private	1.4%	16	—	1.0%	128	19.6%	0.7%
32	Indian Overseas Bank	PSU	1.3%	0	—	1.7%	195	19.4%	1.1%
33	RBL Bank	Mid/Small Private	1.3%	16	—	2.4%	790	33.3%	1.5%
34	Yes Bank	Mid/Small Private	1.3%	51	—	0.8%	964	15.1%	0.5%
35	Axis Bank	Large Private	1.3%	35	—	1.6%	5566	16.7%	1.1%
36	Kotak Mahindra Bank	Large Private	1.2%	0	—	2.0%	1321	22.8%	1.1%
37	HDFC Bank	Large Private	1.2%	41	—	1.7%	8000	19.6%	1.1%
38	Karur Vysya Bank	Mid/Small Private	0.7%	3	—	1.7%	138	18.6%	1.2%
39	Tamilnad Mercantile	Mid/Small Private	0.7%	0	0.2%	1.1%	43	32.3%	0.7%
40	Fino Payments Bank	Payments Bank	—	—	—	—	—	82.6%	—
41	Utkarsh Small Fin.	SFB	—	—	—	6.6%	—	—	4.2%

GNPA percentile is vs each bank's own quarterly history (from 2007). Credit cost is Derived: provisions ÷ average advances.