Indian banking data dashboards
Repo Rate Timeline live
Every RBI MPC repo-rate change on an interactive timeline, auto-updated.
Cash Reserve Ratio (CRR) live
Every RBI CRR change since 2020 — currently 3.00% after the 2025 phased cut.
Statutory Liquidity Ratio (SLR) live
Every RBI SLR change — held at 18.00% of NDTL since April 2020 after a phased glide path.
Foreign Exchange Reserves live
India’s forex reserves incl. gold — about $643bn at end-2024, with import-cover in months (World Bank / IMF).
USD/INR Exchange Rate & Rupee REER/NEER live
The RBI reference rate for the US dollar (about 94.38 INR/USD, Jun 2026) plus the rupee’s 40-currency NEER and REER explained — the managed-float picture (RBI).
Money Supply (M1/M2/M3) live
Money-supply aggregates M0-M4 and the composition of broad money (M3) — time deposits ~77%, currency ~12%, demand deposits ~11% (RBI).
UPI / Digital Payments live
India’s UPI transactions — 23.2 billion worth ~Rs 29.9 lakh crore in May 2026, up ~24% YoY (NPCI).
CPI Inflation live
India’s retail (CPI-Combined) inflation — about 4.6% in 2024-25, inside the RBI’s 4% target and 2-6% tolerance band (MOSPI / RBI).
WPI Inflation live
India’s wholesale (WPI) inflation — about 2.3% in 2024-25 after a spell of mild deflation; a leading signal for CPI and rates (DPIIT / RBI).
Credit & Deposit Growth live
Bank credit (16%) and deposit (12.3%) YoY growth and the credit-deposit ratio.
Bank Health Scores live
Composite system health score from CRAR, GNPA, RoA, PCR and LCR — RBI FSR data.
NPA / Asset-Quality Tracker live
Gross & net NPA trends (2018-2024) — GNPA at a multi-decade low of 2.6%.
RBI Penalty Tracker live
Monetary penalties imposed by RBI on banks and regulated entities.
Sectoral Deployment of Credit live
Where bank loans go — personal loans now the largest slice (~33%), then services (~28%), industry (~22%) and agriculture (~13%) of non-food bank credit (RBI).
Currency in Circulation (CiC) live
India’s cash — about Rs 37 lakh crore of notes & coins; the Rs 500 note is ~86% of banknote value, the withdrawn Rs 2000 note ~0.2% (RBI).
NEFT / RTGS / IMPS Payment Systems live
RTGS (real-time, large-value), NEFT (half-hourly batches) and IMPS (instant, up to Rs 5 lakh) compared — all 24x7 — with approximate annual scale (RBI).
WACR / Call Money Rate vs Policy Corridor live
India’s call money rate — the RBI’s operating target — inside the LAF corridor: SDF floor 5.00%, repo 5.25%, MSF ceiling 5.50% (RBI).
Bank Branches & ATM Network live
India’s ~1.6 lakh bank branches and ~2.6 lakh ATMs — branch split by population group: rural 33%, semi-urban 28%, metro 20%, urban 19% (RBI DBIE).
Reserve Money (M0) live
India’s base money — about Rs 47 lakh crore; currency in circulation is ~77% of M0, bankers’ deposits with the RBI ~21%, plus the sources of reserve money (RBI WSS).
G-Sec Yield Curve / 10Y Benchmark live
India’s government-bond yield curve — the 10-year benchmark around 6.4%, sloping up from T-bills near the 5.25% repo rate to ~6.9% at 30 years (RBI/FBIL).
Deposits & Credit by Bank Group live
How India’s bank deposits and credit split by bank group — Public Sector Banks ~59% of deposits and ~55% of credit, Private Sector Banks ~34%/37%, Foreign Banks ~4-5%, RRB/Small Finance ~3% (RBI DBIE).
Aggregate Deposits & CASA live
India’s ~Rs 225 lakh crore of bank deposits — time deposits ~89%, demand deposits ~11%, with a system CASA ratio around 40% (RBI WSS).
SCB Investments (Bank Bond Book) live
India’s scheduled commercial banks’ aggregate investments — about Rs 68 lakh crore, mostly SLR-eligible G-Secs (central G-Secs + SDLs) plus a non-SLR slice; ~28-30% of deposits, well above the 18% SLR floor (excess SLR), from RBI Weekly Statistical Supplement data.
Deposits & Credit by Population Group live
How India’s bank deposits and credit split across the RBI’s four population groups — Metropolitan ~58% of deposits but ~66% of credit (CD ratio ~91%); Semi-Urban and Rural India run deposit surpluses; filterable, from RBI BSR / DBIE data.
Liquidity Operations (LAF / VRR / VRRR) live
How the RBI manages banking-system cash — the LAF corridor (SDF ~5.00%, repo ~5.25%, MSF ~5.50%), a recent net-liquidity surplus around Rs 1.5 lakh crore, and VRR/VRRR auctions that inject or absorb liquidity (RBI).
CP & CD Money Market live
India’s short-term debt market — Commercial Paper (~Rs 4.5 lakh crore, ~6.6%) issued by corporates/NBFCs and Certificates of Deposit (~Rs 5.0 lakh crore, ~6.8%) issued by banks (RBI Bulletin).
Current Account / CAD live
India’s external current account deficit — about 1% of GDP: a large goods trade deficit offset by services exports and remittances; the gauge of external balance and rupee pressure (RBI BoP).
Merchandise Trade Balance live
India’s goods trade — exports near $440bn against imports near $680bn, a merchandise trade deficit of about $240bn driven by oil, gold and electronics; the largest item in the current account (RBI / DBIE external).
External Debt live
India’s external debt — about $715bn (~19% of GDP), short-term share ~18% and forex reserves covering ~90% of it; the stock counterpart to the current account (RBI / DBIE external debt).
NRI Deposits live
India’s NRI deposit outstanding — about $160bn across the NRE, FCNR(B) and NRO schemes; how they differ on currency, repatriation and tax, and why they matter for bank funding and the rupee (RBI / DBIE external sector).
FDI & FPI Flows live
India’s foreign investment — stable FDI (gross ~$71bn) and volatile FPI portfolio flows into stocks and bonds; the capital inflows that finance the current account deficit (RBI / DBIE external).
Card & PPI Usage live
India’s ~970m debit cards vs ~108m credit cards (~9:1), yet credit-card spends (~Rs 18 lakh crore) now exceed debit-card spends (~Rs 9 lakh crore) as UPI takes low-value payments; prepaid (PPI) wallets carry the most txns by count (RBI).
Real GDP Growth live
India’s real GDP growth by fiscal year — a ~5.8% COVID contraction in FY21, a 9.7% rebound, then ~7.6%, ~9.2% and ~6.5%; the growth backdrop to RBI policy and bank credit (MOSPI / RBI HBS).
Fiscal Deficit (Centre/States/Combined) live
India’s gross fiscal deficit as % of GDP — a record ~13.3% combined (Centre+States) at the FY21 COVID peak, narrowing since as the Centre consolidates from 9.2% toward ~4.4%; the borrowing that drives G-Sec yields and bank liquidity (Union Budget / RBI HBS).
Government Debt-to-GDP live
India’s government debt — General Government (Centre+States) liabilities peaked near 88% of GDP in FY21 and have eased toward ~82%; the Centre ~57%, States ~28%; the cumulative stock behind the fiscal deficit and G-Sec supply (Union Budget / RBI HBS / IMF).
GST Collections live
India’s gross GST collection (CGST+SGST+IGST+cess) by fiscal year — roughly tripled to ~Rs 22 lakh crore in FY25, dipping only in COVID-hit FY21; monthly run-rate ~Rs 1.8 lakh crore; a near-real-time read on consumption that feeds the fiscal deficit and MSME credit (GSTN / PIB / CBIC).
Priority Sector Lending (PSL) live
RBI requires domestic banks to lend 40% of ANBC to priority sectors — 18% agriculture, 10% small & marginal farmers, 7.5% micro enterprises, 12% weaker sections; targets vs achievement, with PSL Certificates bridging shortfalls (RBI Master Direction on PSL).
Bank Credit-to-GDP (Financial Deepening) live
India’s bank credit to the private sector as a share of GDP — only ~50-56%, low versus China (>150%) and most advanced economies (>100%); the financial-deepening headroom that underpins the structural case for Indian bank & NBFC credit growth (World Bank / RBI).
Gold Loans (Loans Against Gold Jewellery) live
India’s bank loans against gold jewellery — from ~Rs 0.6 lakh crore in FY21 to ~Rs 1.8 lakh crore by FY25 (partly gold-price-driven and reclassification); gold-loan NBFCs (Muthoot, Manappuram) add to a larger organised market, all under RBI’s tiered loan-to-value (LTV) cap (85% up to Rs 2.5 lakh, 80% for Rs 2.5-5 lakh, 75% above Rs 5 lakh) (RBI sectoral deployment).
Real Deposit Rate (Deposit Rate vs CPI) live
India’s real bank deposit rate — the representative 1-year term-deposit rate minus CPI inflation; slightly negative through FY21-FY23 then clearly positive (~+2% in FY25) as inflation eased; the inflation-adjusted return that drives deposit growth and bank funding (RBI deposit-rate / CPI data).
Bank Frauds (Cases & Amount) live
Frauds reported by banks to the RBI — cases jumped to 36,075 in FY24 on small-value digital/card frauds and fell to 23,953 in FY25, yet the amount involved nearly tripled to ~Rs 36,014 crore (largely reclassification of older cases); by count private banks lead, by amount public-sector banks dominate (RBI Annual Report).
CASA Ratio (Current+Savings Share) live
India’s CASA ratio — the share of low-cost current + savings balances in bank deposits; peaked near 44% in the low-rate FY22 and has drifted toward ~38% by FY25 as savers move to higher-yielding term deposits, raising banks’ cost of funds and pressuring net interest margins (RBI / DBIE banking statistics).
Net Interest Margin (NIM) live
India’s banking Net Interest Margin (NIM) — net interest income as a share of earning assets, about 3.0-3.5% system-wide (~3.4% in FY25); a wide split between private banks (~3.8-4.2%) and public-sector banks (~2.6-3.0%); margins expanded FY23-FY24 as repo hikes repriced loans before deposits, then eased as deposit costs caught up (RBI Trend & Progress / FSR & bank disclosures).
Cost-to-Income Ratio (Efficiency) live
India’s bank cost-to-income ratio — operating expenses as a share of net total income (net interest income + other income); held broadly in the high-40s (~48%), with private banks leaner (~45%) than public-sector banks (~49%) that carry larger wage and pension costs; the cleanest single read on operating efficiency, where lower is better (RBI Report on Trend & Progress / FSR & bank disclosures).
Return on Assets & Return on Equity (RoA/RoE) live
India’s bank Return on Assets (RoA ~1.3-1.4%) and Return on Equity (RoE ~14-15%) by fiscal year — the strongest profitability in over a decade after the bad-loan clean-up; private banks earn an RoA of ~1.7% versus ~1% for public-sector banks; the bottom-line scorecards of bank profitability and capital generation (RBI Report on Trend & Progress / FSR & bank disclosures).
Provision Coverage Ratio (PCR) live
India’s bank Provision Coverage Ratio (PCR ~76-77%) by fiscal year — provisions held against bad loans as a share of gross NPAs, now covering ~three-quarters of NPAs, a multi-year high after the clean-up; public-sector banks carry a higher PCR (~83-84%) than private banks (~76-77%); read alongside the NPA ratio, a rising PCR with falling NPAs signals a genuinely healed loan book (RBI Financial Stability Report / Report on Trend & Progress).
Credit-Deposit Ratio (CD Ratio) live
India’s all-India credit-deposit (CD) ratio of scheduled commercial banks — bank credit as a percentage of aggregate deposits, about 80% (fortnight ended 31 Oct 2025) near the upper edge of the RBI’s comfort band after a ~61-year high of 80.8% in March 2025; a rising CD ratio means credit is outpacing deposits, lifting the cost of funds and pressuring margins (RBI Quarterly Statistics on Deposits & Credit of SCBs / WSS).
Bank Lending & Deposit Rates (WALR / WADTDR) live
How the RBI repo rate passes through to the rates banks charge and pay — the Weighted Average Lending Rate (WALR) on fresh rupee loans (~9%) and the Weighted Average Domestic Term Deposit Rate (WADTDR) on fresh deposits (~6.9%), with the lending-deposit spread and a plain-English EBLR vs MCLR guide to how fast a repo change reaches a borrower’s EMI (RBI monetary-transmission data; figures rounded & approximate).
State Development Loans (SDL) live
India’s State Development Loans (SDL) — the dated market borrowings of state governments, auctioned by the RBI; SLR-eligible and trading ~35-70 bps over central G-Secs, with combined gross issuance climbing to ~Rs 11 lakh crore in FY25, from RBI market-borrowing / State Finances data.
Digital Rupee (e-Rupee / CBDC) live
India’s Digital Rupee (e-Rupee) — the RBI’s central bank digital currency: sovereign legal-tender digital cash. Wholesale (e₹-W) and retail (e₹-R) pilots since 2022; ~Rs 1,016 crore in circulation by Mar 2025, with a filterable milestone log, from RBI Annual Report data.
Central Government Market Borrowing (G-Secs) live
India’s central government gross dated G-Sec market borrowing — auctioned by the RBI to fund the fiscal deficit; a record ~Rs 15.4 lakh crore in FY24, ~Rs 14.0 lakh crore in FY25 and ~Rs 14.8 lakh crore budgeted for FY26; SLR-eligible and the risk-free anchor for bank lending, the sovereign counterpart to SDLs (Union Budget / RBI market-borrowing data; rounded & approximate).
Financial Inclusion Index (FI-Index) live
India’s RBI Financial Inclusion Index (FI-Index) — the central bank’s annual 0-100 composite of financial inclusion, ~67.0 in March 2025 (up from ~64.2, a ~4.3% rise) from a ~43.4 base in 2017; built from Access (35%), Usage (45%) and Quality (20%) sub-indices, the cleanest single read on how far banking has reached across India (RBI FI-Index press releases; rounded & approximate).
RBI Digital Payments Index (RBI-DPI) live
India’s RBI Digital Payments Index (RBI-DPI) — the central bank’s semi-annual composite of payment digitisation, base March 2018 = 100, risen to ~465 by September 2024 (a fourfold rise in six years); built from five weighted parameters (Payment Enablers, Infrastructure demand & supply, Performance, Consumer Centricity), it complements UPI, cards and the Financial Inclusion Index (RBI-DPI press releases; rounded & approximate).
Deposit Insurance (DICGC) live
India’s bank deposit insurance under the DICGC (an RBI subsidiary) — cover of Rs 5,00,000 per depositor per bank since Feb 2020 fully protects ~97.8% of accounts; insured deposits ~Rs 94 lakh crore (~43% of assessable deposits); coverage-limit history 1962-2020 and a flat 12-paise premium (DICGC / RBI; rounded & approximate).
Inward Remittances live
India’s inward remittances — the money Indians abroad send home; India is the world’s largest recipient, ~$119bn in FY2023-24 (record) and a provisional ~$135bn in FY2024-25, up from ~$61bn in FY2016-17 (~3% of GDP); top sources the US (~23%) and UAE (~18%); the biggest stabiliser of the current account after services exports (RBI Balance of Payments; rounded & approximate).
RBI Surplus Transfer (Dividend) live
India’s RBI surplus transferred to the central government each accounting year — the annual ‘RBI dividend’: a record ~Rs 2.69 lakh crore for 2024-25 (approved 23 May 2025), up from ~Rs 2.11 lakh crore (2023-24) and ~Rs 57,128 crore (2019-20); a major line of Union Budget non-tax revenue, with RBI balance-sheet size and the Economic Capital Framework / Contingency Risk Buffer explained (RBI Central Board / Annual Report; rounded & approximate).
Co-operative Banks (UCBs / StCBs / DCCBs / PACS) live
India's co-operative banks - the urban arm (~1,457 Urban Co-operative Banks, down from a peak of ~1,926 in 2004 as the RBI consolidated the sector) and the rural three-tier arm (34 State Co-operative Banks, ~351 District Central Co-operative Banks, ~96,000 PACS); their structure, the RBI/NABARD/registrar regulators and the Banking Regulation (Amendment) Act, 2020 that brought them more fully under RBI supervision (RBI Trend & Progress / NABARD; rounded & approximate).
NBFC Sector (Scale-Based Regulation) live
India's Non-Banking Financial Companies (NBFCs) — RBI-regulated non-bank lenders with ~Rs 50 lakh crore of assets (Mar 2024). The four-layer Scale-Based Regulation framework (Base/Middle/Upper/Top, in force since 1 Oct 2022), the main NBFC categories (ICC, HFC, IFC, MFI, CIC) and NBFC credit alongside bank credit (RBI Trend & Progress / Financial Stability Report; rounded & approximate).
Microfinance (MFI) — Loan Book & Lenders live
India’s microfinance sector — small collateral-free loans to low-income households. Gross loan portfolio rose from ~Rs 1.9 lakh crore (FY19) to a ~Rs 4.3 lakh crore peak (FY24) then contracted to ~Rs 3.8 lakh crore (FY25); split across NBFC-MFIs (~40%), banks (~33%), small finance banks (~17%), other NBFCs (~9%) and non-profit MFIs (~1%), all under the RBI (Regulation of Microfinance Loans) Directions, 2022 (effective 1 Apr 2022) — income ceiling Rs 3,00,000, repayment capped at 50% of household income (RBI / MFIN; rounded & approximate).
Small Finance Banks (SFBs) live
India’s Small Finance Banks — a differentiated RBI bank category (2014 guidelines) for financial inclusion; about 11 operate, most converted from NBFC-MFIs, under a 75%-of-ANBC priority-sector mandate and a rule that ≥50% of the loan book be loans up to Rs 25 lakh, with a universal-bank conversion path opened by the RBI in April 2024 (AU SFB has applied) (RBI SFB licensing guidelines / Trend & Progress; rounded & approximate).
SHG-Bank Linkage Programme (NABARD) live
NABARD's SHG-Bank Linkage Programme (1992) — the world's largest microfinance programme. ~1.44 crore self-help groups (≈88% women's groups) are savings-linked to banks (~Rs 65,000 crore savings) and ~69 lakh carry bank loans of ~Rs 2.5 lakh crore; the three SBLP linkage models and the growth of savings- and credit-linked SHGs (NABARD Status of Microfinance / RBI; rounded & approximate).
Jan Dhan Yojana (PMJDY) — Financial Inclusion live
India's Pradhan Mantri Jan Dhan Yojana (PMJDY) — the National Mission for Financial Inclusion launched 28 Aug 2014. About 55 crore beneficiary accounts hold ~Rs 2.5 lakh crore of deposits, with ~37 crore RuPay cards issued, ~56% of accounts held by women and ~66% rural/semi-urban; zero-balance accounts have fallen from ~58% (2015) to ~8%. The JAM trinity rail for Direct Benefit Transfer (PMJDY / DFS, Ministry of Finance / RBI; rounded & approximate).
Unclaimed Deposits & the DEA Fund (UDGAM) live
India's unclaimed bank deposits — balances idle 10 years transferred to the RBI's Depositor Education and Awareness (DEA) Fund (~Rs 78,000 crore by Mar 2024). What an unclaimed deposit is, the depositor's never-lapsing right to reclaim it from the bank, and the UDGAM portal (live 17 Aug 2023) to search across banks (RBI Annual Report / DEA Fund Scheme 2014; rounded & approximate).
Capital Adequacy (CRAR / Basel III) live
India’s bank Capital Adequacy Ratio (CRAR) — the Capital to Risk-weighted Assets Ratio of scheduled commercial banks, about 16.8-17%, roughly 5-6 percentage points above the 11.5% effective minimum (9% floor + 2.5% Capital Conservation Buffer) under the RBI’s Basel III framework. CET1 ~13-14%, Tier 1 ~14-15%; private banks (~17-18%) hold thicker buffers than public-sector banks (~15-16%); the three D-SIBs (SBI, HDFC Bank, ICICI Bank) carry an extra surcharge (RBI Financial Stability Report / Report on Trend & Progress / Basel III Master Circular; rounded & approximate).
RBI Ombudsman (Complaints) live
The RBI Ombudsman (RB-IOS 2021) — the free ‘One Nation, One Ombudsman’ way to escalate a complaint against a bank, NBFC or payment operator; compensation up to Rs 20 lakh plus up to Rs 1 lakh; about 9.3 lakh complaints in 2023-24 (rounded & approximate).
Bharat Bill Payment System (BBPS) live
Bharat Bill Payment System (BBPS) - the RBI-conceptualised, NPCI-operated interoperable bill-payment platform; a two-tier BBPCU (NPCI Bharat BillPay) / BBPOU structure spanning 20+ biller categories - electricity, telecom, loan EMIs, FASTag, insurance and more - processing about 15 crore transactions a month (indicative); rounded & approximate.
Account Aggregator (AA) Framework live
India's RBI Account Aggregator (AA) framework - the consent-based financial-data-sharing rail. A data-blind, RBI-licensed NBFC-Account Aggregator (NBFC-AA) moves a customer's financial data, on explicit and revocable consent, from a Financial Information Provider (FIP, e.g. a bank) to a Financial Information User (FIU, e.g. a lender), under the RBI Master Direction on NBFC-Account Aggregators, 2016. Live since September 2021; ~14-16 operational AAs and ~1 billion accounts enabled with cumulative consents in the tens of millions (indicative); rounded & approximate.
National Automated Clearing House (NACH) live
India's National Automated Clearing House (NACH) - the NPCI-operated centralised bulk-clearing platform for repetitive account-to-account payments: NACH Credit (salary, dividend, pension, DBT subsidy) and NACH Debit (SIP, EMI, insurance premium, utility), with physical-NACH or e-NACH (e-mandate) authorisation, a UMRN via the Mandate Management System and Sponsor/Destination Bank roles; about 100 crore transactions a month (combined, indicative); rounded & approximate.
Wilful & Large Defaulters / CRILC live
India's RBI framework for wilful defaulters and large defaulters and the CRILC large-credit repository - the Rs 5 crore CRILC reporting threshold, SMA early-stress categories (SMA-0/1/2), the Rs 25 lakh wilful-defaulter and Rs 1 crore large-defaulter thresholds, the Identification / Review-Committee due process and the consequences (no fresh credit, a multi-year bar on new ventures), under the RBI Master Direction on Treatment of Wilful Defaulters and Large Defaulters, 2024; framework facts, rounded and approximate.