Coverage
Bad loans and NPAs
Union Bank of India Q2 Net Profit Jumps 30.3% YoY to ₹5,537 Crore on 20% NII Growth; Gross NPA Drops to 2.42%
State-owned Union Bank of India has delivered a robust financial performance for the second quarter ended September 30, 2026 (Q2 FY27), reporting a 30.31% year-on-year (YoY) growth in standalone net profit to ₹5,537 crore, compared with ₹4,249 crore in the corresponding quarter last financial year.
South Indian Bank Q2 Net Profit Jumps 23% YoY to ₹430 Crore; Net NPA Collapses to Near-Zero 0.09%
Thrissur-headquartered private sector lender South Indian Bank has posted a robust financial performance for the second quarter ended September 30, 2026 (Q2 FY27), reporting a standalone net profit of ₹430 crore.
CEA V. Anantha Nageswaran Pitches for MSME-Specific Cash-Flow Approach to RBI’s NPA Classification Norms
Chief Economic Advisor (CEA) V. Anantha Nageswaran has called for a structural review of the Reserve Bank of India’s (RBI) Non-Performing Asset (NPA) classification framework for Micro, Small and Medium Enterprises (MSMEs). Highlighting that the Ministry of Finance has been advocating for a reassessment, Nageswaran argued that prudential norms for small businesses must reflect domestic cash-flow cycles rather than a rigid, globally uniform standard.
South Indian Bank Q1 FY27 Net Profit Jumps 17.4% to ₹378 Crore as NII Hits Record ₹1,025 Crore
Powered by a 42.9% surge in gold loans and gross advances surpassing ₹1.04 lakh crore, the Kerala-based private lender drives Gross NPAs down to 1.38% with a 94.5% provision coverage ratio.
RBI Imposes Penalties on Three Karnataka Cooperative Banks for Director Loans, NPA Lapses, and Exposure Breaches
When central bank audits reveal repeated instances of director-related lending and delayed bad-loan recognition, regulatory penalties serve as a critical reminder that governance standards apply equally across all tiers of banking.
AU SFB Q1 net profit up 37% YoY to ₹796 crore on loan and deposit growth
Net interest income rose 32% and deposits crossed ₹1.57 lakh crore, as provisions fell 30% and net NPA held at 0.76% post the Fincare merger.
How Aditya Puri built HDFC Bank on discipline, not FOMO
By refusing the 2004-2007 infrastructure lending boom that other Indian banks chased, HDFC Bank kept gross NPAs at 0.85% while the industry average hit 6%.
Indian Bank targets ₹4,500–5,500 crore in NPA recovery for FY27
The bank recovered ₹1,885 crore in Q1 alone, putting it 34% ahead of its full-year target. Write-backs from resolved bad loans now directly boost the bottom line.
DBS India nets ₹1,020 crore profit on 49% growth, halves bad loan ratio
The Singaporean lender's bold Lakshmi Vilas Bank integration is now yielding results, with gross NPAs cut from 2.78% to 1.34% and advances scaling 15%.
Zerodha Capital posts 0% GNPAs as loan-against-securities book hits ₹580 Cr
ICRA's FY26 disclosure shows Zerodha's NBFC arm growing income 44.2% and profit 20.5%, with zero bad loans on its LAS book.
Oxyzo scales ₹10,500 Cr loan book while holding NPA at 0.74%
Oxyzo Financial Services grew assets 28% year-on-year in FY26 while maintaining tight credit discipline. The fintech's ecosystem lending model delivers precision in SME risk management.
IIFCL targets ₹75,000 Cr in FY26 sanctions, cuts net NPA to zero
India's state-backed infrastructure lender is pushing 30% harder while maintaining pristine credit quality. Regulatory tailwinds unlock larger project underwriting.
Indian banks post ₹4.11 lakh crore profit as credit growth and NPA cleanup drive earnings
Private and public sector banks split record profits almost equally, with SBI, HDFC Bank, and ICICI Bank accounting for over half the sector's profitability.
SBI's FY26 profit milestone signals PSU banking's structural comeback
SBI's earnings now rival HDFC Bank's, driven by completed NPA cleanups and balance-sheet recovery. The milestone resets competitive baselines in Indian banking.
Utkarsh Small Finance Bank sells ₹1,491 Cr in NPAs for ₹195 Cr recovery
The lender offloaded stressed assets to ARCs at an 87% haircut, a move mirroring sector-wide balance sheet cleanup as microfinance stress persists.
India's NPA crisis recedes to 2-2.5% as banking sector stabilises
Moody's projects India's non-performing assets will remain subdued over the next 12-18 months, marking a sharp reversal from 2018's 11% peak and signalling a maturing credit market.
PNB posts ₹5,100 Cr record quarterly profit on retail growth and NPA cleanup
Punjab National Bank's Q3 profit surged 13% year-on-year, driven by sharply lower bad loans and a focused push into retail and MSME lending. The results underscore a broader shift in PSU banking toward asset quality and retail-led growth.
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