India RBI Financial Stability Reports

Financial Stability Report December 2024 Highlights Indian Financial Resilience

The Reserve Bank of India released the December 2024 Financial Stability Report, reflecting the collective assessment of the Sub-Committee of the Financial Stability and Development Council on the resilience of the Indian financial system. The report highlights that scheduled commercial banks are at decadal highs for return on assets and return on equity, with the gross non-performing asset ratio at a multi-year low, while non-banking financial companies remain healthy with robust capital buffers and improving asset quality.

RBI Releases Financial Stability Report June 2025

The Reserve Bank of India released the June 2025 Financial Stability Report on June 30, 2025, presenting the collective assessment of the FSDC Sub-Committee on the resilience of India's financial system. The report highlights that scheduled commercial banks maintain robust capital buffers and multi-decadal low non-performing loans, while NBFCs remain healthy with improving asset quality. Macro stress tests confirm that most banks have adequate capital relative to regulatory minimums even under adverse scenarios.

RBI Releases December 2025 Financial Stability Report

The Reserve Bank of India released the December 2025 Financial Stability Report reflecting the collective assessment of the Sub-Committee of the Financial Stability and Development Council (FSDC) on the resilience of the Indian financial system. The report finds the domestic financial system robust with strong balance sheets, easy financial conditions, and low financial market volatility, though near-term risks from geopolitical and trade-related external uncertainties persist. Scheduled commercial banks show strong capital and liquidity buffers, improved asset quality, and robust profitability, with macro stress tests affirming their resilience under hypothetical adverse scenarios.