Gross Non-Performing Assets of India's scheduled commercial banks dropped to a record low of 2.15% in September 2025. NPAs are loans on which repayment is overdue by more than 90 days. Public sector banks reported 2.50%, private sector banks 1.73%, and foreign banks operating in India the lowest at 0.8%, indicating improved asset quality across the banking system. The decline reflects better recoveries, cleaner balance sheets and stronger credit discipline in recent years.