Appendix Table V.14: Asset Quality of Primary Co-operative Agriculture and Rural Development Banks

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Published on December 29, 2025

(Amount in ₹ crore)
Item	At end-March		Percentage Variation
Item	2023	2024P	2022-23	2023-24
1	2	3	4	5
A. Total NPAs (i+ii+iii)	6,371	6,144	-5.9	-3.6
i. Sub-standard	2,552	2,408	-12.8	-5.6
	-40.1	-39.2
ii. Doubtful	3,784	3,635	-0.7	-3.9
	-59.4	-59.2
iii. Loss	36	101	17.9	181.4
	-0.6	-1.6
B. Gross NPA Ratio (%)	39.7	38.6
C. Recovery to Demand Ratio (%)	39.1	43.1
P: Provisional. *: Recovery for the financial year is taken as on 30th June. Notes: 1. Figures in parentheses are proportions to total NPAs. 2. Y-o-y variations could be slightly different because absolute numbers have been rounded off to `1 crore in the table. 3. Components may not add up to the exact total due to rounding off. 4. Data for financial year 2022-23 are available in respect of 607 of 608 reported PCARDBs and data for financial year 2023-24 are available in respect of 608 of 609 reported PCARDBs. Source: NABARD.