NPAs & IBC (Money & Banking).
Syllabus: UPSC Pre GS1: Economic & Social Development; Mains GS3
Gross non-performing assets of public sector banks fell to a historic low of 1.9 per cent on 31 March 2026, from 7.3 per cent in 2022, the Finance Ministry told Rajya Sabha on 28 July 2026. PSBs earned their highest-ever net profit, ₹1.98 lakh crore. Total business crossed ₹283 lakh crore. MSME loans grew 19.6 per cent.
UPSC angle: Prelims: NPA definition (90 days).
28 Jul 2026
The Insolvency and Bankruptcy Code, in force since 2016, completed ten years in May 2026. By March 2026, 1,419 cases had yielded resolution plans and creditors had realised over ₹4 lakh crore—about 95% of fair value and 167% of liquidation value. Banking GNPAs fell from nearly 11.8% in 2017 to 2.1% as of September 2025.
UPSC angle: Prelims: IBC institutions. · Mains: IBC performance.
28 May 2026
Clean balance sheets let banks fund the capex cycle.
UPSC angle: Prelims: NPA, IBC, 4Rs.
9 Feb 2026