Gross NPAs of Indian banks drop to a historic 2.15% in September 2025 due to RBI and government reforms, enhanced recovery frameworks, and improved asset quality, boosting bank profitability, balance sheets, and credit growth across PSBs and private banks.
The Reserve Bank of India says over 98 per cent of ₹2000 banknotes have been returned since their withdrawal was announced in May 2023. Exchange and deposit facilities remain available at RBI Issue Offices, while the notes continue to be legal tender.
The Reserve Bank of India has advised banks to link MSME loans to an external benchmark with three-month reset clauses, offering switchover options to existing borrowers, while the government provides relaxations and incentives to support small enterprises and ease credit access.
The Reserve Bank of India’s (RBI) Monetary Policy Committee (MPC) today cut the repo rate by 25 basis points (bps) to 5.25% following its latest rate review. This decision was taken unanimously.
RBI has revised rules for floating-rate home loans, allowing banks to reduce interest rates based on improved credit scores without waiting three years. Existing and new customers can now apply for rate cuts as soon as their credit score improves.
According to the RBI calendar, in addition to four Sundays and the second and fourth Saturdays, banks will be closed for 15 days in different states.
The report explains that Diwali is one of the largest festivals in India, so consumer spending usually goes up during this time. A low interest rate environment before Diwali helps boost credit demand.
The Reserve Bank of India may further cut the repo rate in December, which will make loans and EMIs cheaper. This can prove to be a big relief for people planning to buy a house.
The Reserve Bank of India (RBI) and the Financial Services Department of the Finance Ministry are now going to make historic changes in the country’s credit score system.
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