![Bank NPAs may jump to 4.4% under severe stress: RBI](https://images.assettype.com/fortuneindia%2F2021-10%2F1e472972-18af-460d-96c1-84c09b7849b5%2FRBI_01_copy.jpg?rect=0,11,3600,1800&w=300&q=95)
Bank NPAs may jump to 4.4% under severe stress: RBI
Gross NPA ratio of all scheduled commercial banks declined to an 11-year low of 3.2% at the end of September 2023.
Gross NPA ratio of all scheduled commercial banks declined to an 11-year low of 3.2% at the end of September 2023.
Aided by strong demand recovery, credit ratio rebounds to 1.33 in H2FY21, from 0.54 in H1FY21. GDP could grow at 11% in FY22, but the resurgence in Covid-19 cases is a key downside risk, says CRISIL.
While Indian banks' improved financial metrics do not fully reflect the impact of the Covid-19 pandemic, the under–capitalised PSBs are likely to remain risk averse and lose market share.