New Delhi, Feb. 9 -- The gross NPA ratio, which is gross NPAs as a percentage of gross loans and advances of Scheduled Commercial Banks (SCBs), for domestic operations, has been continuously declining during the last eight financial years.

They were at a historic low of 2.15 per cent as at the end of September 2025 (provisional data), which is lower than 2010-11 level, Minister of State in the Ministry of Finance Pankaj Chaudhary in a written reply to a question in Lok Sabha said on Monday.

The Reserve Bank of India (RBI) initiated the Asset Quality Review (AQR) in 2015, post which the Government initiated 4R's strategy of recognising NPAs transparently, resolving and recovering value from stressed accounts through clean and effective l...