Byjus 1

Byjus  2

| **Key Facts and Figures** | **Details** |
|---------------------------|-------------|
| **Current GNPA Ratio** | SCBs reported a 12-year low GNPA ratio of 2.8% as of March 2024. |
| **Net NPA Ratio** | Record low net NPA ratio of 0.6% as of March 2024. |
| **Projected GNPA Ratio (2025)** | Estimated to decrease to 2.5% by March 2025. |
| **Severe Stress Scenario GNPA Ratio (2025)** | Could rise to 3.4% by March 2025, with PSBs potentially reaching 4.1%. |
| **Capital Adequacy** | Aggregate CRAR and CET1 capital ratio remain above regulatory norms, ensuring stability. |


Key Facts and Figures	Details
Current GNPA Ratio	SCBs reported a 12-year low GNPA ratio of 2.8% as of March 2024.
Net NPA Ratio	Record low net NPA ratio of 0.6% as of March 2024.
Projected GNPA Ratio (2025)	Estimated to decrease to 2.5% by March 2025.
Severe Stress Scenario GNPA Ratio (2025)	Could rise to 3.4% by March 2025, with PSBs potentially reaching 4.1%.
Capital Adequacy	Aggregate CRAR and CET1 capital ratio remain above regulatory norms, ensuring stability.

RBI Projects Improvement in GNPA Ratio for Scheduled Commercial Banks by 2025