PSBs Net ₹93,000 Cr Profit (Apr–Sep)

Current Context: On 12 November 2025, the Public Sector Banks (PSBs) Review Meeting was chaired by M. Nagaraju, Secretary, Department of Financial Services (DFS), Ministry of Finance in New Delhi.

• PSBs reported a combined net profit of ₹93,675 crore (April–September 2025), showing nearly 10% year‑on‑year growth.
• Gross Non‑Performing Assets (NPAs) fell to 2.3% and Net Non‑Performing Assets (NPAs) to 0.45%, reflecting improved asset quality.
• Aggregate business rose to ₹261 lakh crore, with advances up 12.3% and deposits up 9.6%.
• The meeting reviewed risk management, underwriting practices, and operational resilience in evolving financial conditions.
• It highlighted Micro, Small and Medium Enterprises (MSME) and agriculture sector credit growth, plus digital adoption with Artificial Intelligence (AI) tools like BAANKNET for loan recovery.
• Initiatives such as the Startup Common Application Journey on Jan Sammarth Portal and the PSB Manthan 2025 roadmap were discussed for future growth.

Question:

Q.1 As per the Public Sector Banks Review Meeting, what was the combined net profit of Public Sector Banks during April–September 2025?
a) ₹80,452 crore
b) ₹93,675 crore
c) ₹1,02,500 crore
d) ₹87,210 crore

Answer: b) PSBs reported a combined net profit of ₹93,675 crore (April–September 2025), showing nearly 10% year‑on‑year growth.