{
 "name": "India Return on Assets (RoA) & Return on Equity (RoE) of Scheduled Commercial Banks",
 "unit": "percent (RoA = net profit / average total assets; RoE = net profit / average net worth)",
 "dashboard": "https://bankpulse.ai/dashboards/roa-roe/",
 "source": "RBI Report on Trend & Progress of Banking in India / Financial Stability Report and bank financial disclosures",
 "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": "RoA = net_profit / average_total_assets; RoE = net_profit / average_net_worth",
 "note": "Rounded and approximate; recent years provisional and revised. System RoA runs about 1.3-1.4% (~1.3% FY24, highest in over a decade) and RoE about 14-15%. Public-sector banks run an RoA of ~1% and private banks ~1.7%. Profitability rose as NPAs and provisioning fell and net interest margins widened through the rate cycle.",
 "series": [
  {
   "fiscal_year": "FY21",
   "system_roa_pct": 0.7,
   "system_roe_pct": 10.0,
   "public_banks_roa_pct": 0.3,
   "private_banks_roa_pct": 1.2,
   "approximate": true,
   "note": "Sector returns recovering after the NPA clean-up"
  },
  {
   "fiscal_year": "FY22",
   "system_roa_pct": 0.9,
   "system_roe_pct": 11.5,
   "public_banks_roa_pct": 0.5,
   "private_banks_roa_pct": 1.3,
   "approximate": true,
   "note": "Lower provisions lift profits as asset quality improves"
  },
  {
   "fiscal_year": "FY23",
   "system_roa_pct": 1.1,
   "system_roe_pct": 12.5,
   "public_banks_roa_pct": 0.8,
   "private_banks_roa_pct": 1.5,
   "approximate": true,
   "note": "Wider margins and falling slippages push RoA above 1%"
  },
  {
   "fiscal_year": "FY24",
   "system_roa_pct": 1.3,
   "system_roe_pct": 14.0,
   "public_banks_roa_pct": 1.0,
   "private_banks_roa_pct": 1.7,
   "approximate": true,
   "note": "Sector RoA at its highest in over a decade"
  },
  {
   "fiscal_year": "FY25",
   "system_roa_pct": 1.4,
   "system_roe_pct": 14.5,
   "public_banks_roa_pct": 1.1,
   "private_banks_roa_pct": 1.7,
   "approximate": true,
   "note": "Profitability holds near cycle highs"
  }
 ]
}