{
 "name": "India Provision Coverage Ratio (PCR) of Scheduled Commercial Banks",
 "unit": "percent (PCR = provisions held against NPAs / gross NPAs)",
 "dashboard": "https://bankpulse.ai/dashboards/pcr/",
 "source": "RBI Financial Stability Report / Report on Trend & Progress of Banking in India",
 "reviewed_by": "Vikram Jain",
 "license": "https://creativecommons.org/licenses/by/4.0/",
 "updated": "2026-06-19T07:33:06+05:30",
 "dateModified": "2026-06-19T07:33:06+05:30",
 "method": "PCR = provisions_held_against_NPAs / gross_NPAs",
 "note": "Rounded and approximate; recent years provisional and revised; PCR is sometimes quoted including technical write-offs (which raises it). System PCR runs about 76-77% (a multi-year high, covering ~three-quarters of gross NPAs). Public-sector banks run a higher PCR of ~83-84% and private banks ~76-77%. PCR rose through the NPA clean-up as banks built provisioning buffers faster than fresh slippages.",
 "series": [
  {
   "fiscal_year": "FY21",
   "system_pcr_pct": 68.0,
   "public_banks_pcr_pct": 78.0,
   "private_banks_pcr_pct": 67.0,
   "approximate": true,
   "note": "Buffers rebuilt as the NPA clean-up matures"
  },
  {
   "fiscal_year": "FY22",
   "system_pcr_pct": 71.0,
   "public_banks_pcr_pct": 80.0,
   "private_banks_pcr_pct": 72.0,
   "approximate": true,
   "note": "Provisioning cover keeps climbing as slippages fall"
  },
  {
   "fiscal_year": "FY23",
   "system_pcr_pct": 74.0,
   "public_banks_pcr_pct": 82.0,
   "private_banks_pcr_pct": 74.0,
   "approximate": true,
   "note": "Cushion against bad loans near a multi-year high"
  },
  {
   "fiscal_year": "FY24",
   "system_pcr_pct": 76.0,
   "public_banks_pcr_pct": 83.0,
   "private_banks_pcr_pct": 76.0,
   "approximate": true,
   "note": "PCR around three-quarters of gross NPAs"
  },
  {
   "fiscal_year": "FY25",
   "system_pcr_pct": 77.0,
   "public_banks_pcr_pct": 84.0,
   "private_banks_pcr_pct": 77.0,
   "approximate": true,
   "note": "Provisioning cover holds near cycle highs"
  }
 ]
}