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RBI’s June 2025 Financial Stability Report highlights India's improving banking health. However, rising household and public debt, and rapid unsecured retail lending point to potential risks amid uncertainties

As per the central bank, the gross bad loan ratio of banks has reached a 12-year low

With quick loans, borrowers can improve their revenue streams to service future loans, prevent NPAs and raise deposits

He, however, did not share details on the Covid-related loan restructuring for SBI citing the silent period ahead of the results.