Interest rates, loan schemes, quarterly results, RBI policy, and in-depth analysis of PSU & private banks. Track NPA ratios, NIM trends, and regulatory changes.
One-year MCLR now at 8.30% effective March 1. Existing borrowers to get relief.
Provisions drop 12% QoQ; asset quality improves. FY26 guidance maintained.
Majority favors status quo until inflation aligns with 4% target.
Bank says provisions made; forensic audit ordered by RBI.
New variant offers 5% cashback; aims for 40 million digital users.
GNPA expected below 2% by March. Stock up 15% in February.
System-wide GNPA ratio falls to 2.4% — lowest in 12 years. Recoveries via IBC accelerate.
| Bank | NIM (%) | GNPA (%) | Net Profit (₹ cr) | RoA (%) | PCR (%) |
|---|---|---|---|---|---|
| SBI | 3.15 | 2.10 | 18,230 | 0.90 | 76.5 |
| HDFC Bank | 3.82 | 1.12 | 18,500 | 2.10 | 82.3 |
| ICICI Bank | 4.25 | 1.55 | 12,400 | 2.00 | 79.8 |
| Axis Bank | 3.95 | 1.70 | 8,250 | 1.70 | 78.2 |
| Kotak Bank | 4.55 | 1.35 | 5,600 | 2.30 | 84.1 |
| Bank of Baroda | 2.98 | 2.45 | 5,200 | 0.80 | 74.9 |