The Survey said gross non-performing assets (GNPAs) and net NPAs have fallen to multi-decadal and record-low levels, reflecting sustained balance sheet repair across the banking system. Capital adequacy also remained robust, with the capital-to-risk-weighted assets ratio (CRAR) of SCBs standing at 17.2 per cent as of September 2025. The GNPA ratio for the agri sector stood at 6 per cent in September 2025, marginally lower than 6.1 per cent in March 2025. The agri sector’s share in total NPAs increased from 34.6 per cent to 36.3 per cent over the same period. Recovery through the Insolvency and Bankruptcy Code (IBC) has strengthened significantly, contributing to improved credit discipline and lower stressed assets.