The Indian banking sector demonstrated resilience in 2024-25, according to a Reserve Bank of India report. Key indicators show a strong performance, with double-digit growth in deposits and credit, albeit at a moderated pace from the previous year. Asset quality significantly improved, pushing the gross non-performing assets (GNPA) ratio to a multi-decadal low of 2.1-2.2% by September 2025. Banks maintained robust capital buffers, with the capital to risk-weighted assets ratio well above regulatory requirements, ensuring continued credit flow.