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RBI Releases Financial Stability Report (FSR) December 2025.

Banking & Finance | Dated: 19 Dec 2025

The Reserve Bank of India (RBI) released the 32nd issue of the Financial Stability Report (FSR) for December 2025. The report states that the Indian banking system remains resilient with robust capital ratios and declining bad loans. The Gross Non-Performing Assets (GNPA) ratio of Scheduled Commercial Banks (SCBs) has further declined to 2.5%, a historic low.

🎯 Key Highlights:

  • The report highlights that the Capital to Risk-Weighted Assets Ratio (CRAR) stands at 17.5%, indicating strong buffers.
  • Macro-stress tests indicate that SCBs would be able to comply with minimum capital requirements even under severe stress scenarios.
  • However, the RBI flagged potential risks from the high growth in unsecured retail lending.

💡 Other Important Facts:

  • Report: Financial Stability Report (FSR) Dec 2025.
  • GNPA: 2.5%.
  • CRAR: 17.5%.

📚 Test Your Knowledge:

According to the RBI Financial Stability Report (Dec 2025), what is the GNPA ratio of Scheduled Commercial Banks?

Correct Answer: 2.5%

🚀 Quick Recap:

About RBI

  • Governor – Shaktikanta Das
  • HQ – Mumbai