Business
Double-Digit Growth, Falling NPAs Strengthen Indian Banks In 2024–25: RBI
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Indian commercial banks showed resilience in 2024-25, with double-digit growth, improved asset quality, and strong profitability, as highlighted in the RBI report.
Banks, NBFCs, Co-ops Show Broad-Based Strength in 2024–25: RBI Report
Despite global headwinds, the Indian commercial banking sector remained resilient during 2024-25, supported by double-digit balance sheet expansion, according to the Reserve Bank of India’s (RBI’s) report on Trend and Progress of Banking in India 2024-25.
Deposits and credit of scheduled commercial banks (SCBs) grew in double digits, albeit with a moderation from the previous year, the report highlighted.
The Indian banking system saw an improvement in asset quality, with the gross non-performing assets (GNPA) ratio declining to a multi-decadal low of 2.2 per cent at end-March 2025 and 2.1 per cent at end-September 2025.
Not only the asset quality but the profitability of SCBs remained robust with the return on assets (RoA) at 1.4 per cent and return on equity (RoE) at 13.5 per cent in 2024-25. The RBI report added that During H1: 2025-26, RoA and RoE of the SCBs stood at 1.3 per cent and 12.5 per cent, respectively.
The growth didn’t remain at the Scheduled Commercial Banks (SCBs). The consolidated balance sheet of urban co-operative banks recorded higher growth in 2024-25 than that in the previous year. Their asset quality improved for the fourth consecutive year, alongside strengthening of their capital buffers and profitability, the report added.
The non-banking financial companies continued to record double-digit credit growth along with robust capital buffers. Their asset quality also improved during the year.
Plans To Build Robust Financial System And Consumer Protection
In the report, the Central Bank said the climate risk poses a threat to financial stability. It plans to include climate risk disclosure norms and RBI Climate Risk Information System (RB-CRIS).
Banks were told to build climate risk into strategy and lending.
Reflecting policy efforts across the financial system, the Reserve Bank’s financial inclusion index improved to 67.0 in March 2025 fromb43.4 in March 2017, the report added.
To strengthen the system, the Central bank is planning to shift to the Expected Credit Loss (ECL) framework from April 1, 2027, with the proposal to implement new Basel III norms, such as credit risk, counterparty risk, and capital market exposure. It aims to alert to early stress signs and allows stronger balance sheets for banks.
In order to protect consumers, RBI has taken various measures against the mis-selling of financial products and loan recovery products. Moreover, it has strengthened Internal Ombudsman framework, with a special drive from January 1, 2026, to clear pending complaints.
December 30, 2025, 11:34 IST
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Business
Without Rera data, real estate reform risks losing credibility: Homebuyers’ body – The Times of India
New Delhi: More than 75% of state real estate regulators, Reras, have either never published annual reports, discontinued their publication or not updated them despite statutory obligation and directions from the housing and urban affairs ministry, claimed homebuyers’ body FPCE on Friday. It released status report of 21 Reras as of Feb 13.The availability of updated annual reports is crucial as these contain details of data on performance of Reras, including project completion status categorised by timely completion, completion with extensions, and incomplete projects. The ministry’s format for publishing these reports also specifies providing details such as actual execution status of refund, possession and compensation orders as well as recovery warrant execution details with values and list of defaulting builders.FPCE said annual report data is not only vital for homebuyers to assess system credibility, but is equally necessary for both state and central govts to frame effective policies, design incentivisation schemes, and develop tax policy frameworks.“Unless we have credible data proving that after Rera the real estate sector has improved in terms of delivery, fairness, and keeping its promises, we are merely firing in the air,” said FPCE president Abhay Upadhyay, who is also a member of the govt’s Central Advisory Council on Rera.As per details shared by the entity, seven states — Karnataka, Tamil Nadu, West Bengal, Andhra Pradesh, Himachal Pradesh and Goa — have never published a single annual report since Rera’s implementation, and nine states, including Maharashtra, Uttar Pradesh and Telangana, which initially published reports, have discontinued the practice.Upadhyay said when regulators themselves don’t follow the law, they lose the legal right to demand compliance from other stakeholders. “Their failure emboldens builders and weakens the very system they are meant to safeguard,” he said.
Business
Infosys Rolls Out 85% Average Performance Bonus In Q3FY26, Best In Over 3 Years
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Over recent quarters, payouts had gradually improved from roughly 65 percent to 80 percent and now to an average of about 85 percent in Q3FY26.

Infosys logo is seen.
IT major Infosys rolled out performance bonus payouts averaging around 85 percent for the quarter ended December 31, 2025 (Q3FY26), marking the strongest variable pay outcome for eligible employees in at least the past three-and-a-half years, Moneycontrol reported citing people in the know.
The bonus payout for mid- to junior-level employees ranges between 75 percent and 100 percent, with most employees clustering around the organisation-wide average of 85 percent, the report said. The development signals a steady recovery in variable compensation at the Bengaluru-headquartered IT services firm. Over recent quarters, payouts had gradually improved from roughly 65 percent to 80 percent and now to an average of about 85 percent in Q3FY26.
Employees are expected to receive their bonus letters over the next few days, with the payout scheduled to be credited along with their February salary.
One employee told the outlet that it is the strongest bonus outcome seen in recent years. The payout is also among the rare instances since the Covid-19 period when variable pay has approached the upper end of the eligible range.
Infosys last paid out 100 percent variable compensation during the pandemic. In the quarters that followed, payouts were lower amid macroeconomic uncertainty and a broader slowdown in client spending across global markets.
The higher payout comes at a time when global IT stocks have faced renewed pressure, driven by concerns over rapid advances in artificial intelligence and their potential impact on traditional IT services models.
Shares of global IT firms have seen sharp sell-offs in recent weeks amid heightened investor focus on AI leaders such as Anthropic. Investors fear that generative AI tools could compress pricing, automate routine services work and reduce demand for legacy outsourcing models.
Against that backdrop, the improved bonus payout at Infosys is being viewed as a signal of operational resilience and near-term performance strength, even as sentiment around the broader IT sector remains cautious.
February 13, 2026, 21:44 IST
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Business
Why you should consider switching bank accounts
Martin Lewis explains why now might be a good time to think about changing your bank account.
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