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  • SENSEX 85,046.69 +373.67 (+0.44%)
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Wednesday, November 19, 2025 , BSE Sensex : 85,046.69 85,046.69(0.44%) , Adani Ports : 1,488.00 1,488.00(-0.47%) , Asian Paints : 2,899.95 2,899.95(-0.19%) , Axis Bank : 1,269.00 1,269.00(0.30%) , Bajaj Finance : 1,009.65 1,009.65(-0.38%) , Bajaj Finserv : 2,042.50 2,042.50(-0.39%) , Bharat Electron : 421.20 421.20(0.08%) , Bharti Airtel : 2,153.00 2,153.00(0.14%) , Eternal Ltd : 306.90 306.90(0.33%) , HCL Technologies : 1,663.00 1,663.00(4.28%) , HDFC Bank : 988.20 988.20(-0.34%) , Hind. Unilever : 2,448.75 2,448.75(1.88%) , ICICI Bank : 1,380.45 1,380.45(0.62%) , Infosys : 1,534.70 1,534.70(3.30%) , ITC : 403.75 403.75(-0.49%) , Kotak Mah. Bank : 2,100.50 2,100.50(0.41%) , Larsen & Toubro : 4,018.20 4,018.20(0.48%) , M & M : 3,732.55 3,732.55(0.99%) , Maruti Suzuki : 15,777.50 15,777.50(-0.95%) , NTPC : 325.75 325.75(-0.85%) , Power Grid Corpn : 275.10 275.10(0.33%) , Reliance Industr : 1,519.00 1,519.00(-0.04%) , SBI : 979.70 979.70(0.74%) , Sun Pharma.Inds. : 1,777.80 1,777.80(1.03%) , Tata Motors PVeh : 362.60 362.60(-2.33%) , Tata Steel : 173.35 173.35(0.55%) , TCS : 3,146.30 3,146.30(1.97%) , Tech Mahindra : 1,440.30 1,440.30(1.35%) , Titan Company : 3,914.30 3,914.30(0.80%) , Trent : 4,369.05 4,369.05(-0.06%) , UltraTech Cem. : 11,691.00 11,691.00(-0.13%) ,

Nifty 50 : 26,019.20 109.15(0.42%) , Adani Enterp. : 2,439.50 2.70(0.11%) , Adani Ports : 1,486.50 -8.50(-0.57%) , Apollo Hospitals : 7,468.50 83.00(1.12%) , Asian Paints : 2,906.00 0.00(0.00%) , Axis Bank : 1,272.10 6.70(0.53%) , Bajaj Auto : 8,930.00 9.00(0.10%) , Bajaj Finance : 1,008.40 -5.20(-0.51%) , Bajaj Finserv : 2,045.40 -4.80(-0.23%) , Bharat Electron : 421.25 0.35(0.08%) , Bharti Airtel : 2,151.80 2.60(0.12%) , Cipla : 1,526.30 11.80(0.78%) , Coal India : 380.90 -3.05(-0.79%) , Dr Reddy's Labs : 1,245.00 1.20(0.10%) , Eicher Motors : 6,819.00 4.50(0.07%) , Eternal Ltd : 306.85 0.70(0.23%) , Grasim Inds : 2,760.00 -2.00(-0.07%) , HCL Technologies : 1,660.50 65.30(4.09%) , HDFC Bank : 987.65 -4.80(-0.48%) , HDFC Life Insur. : 759.80 -2.00(-0.26%) , Hind. Unilever : 2,440.10 36.10(1.50%) , Hindalco Inds. : 794.65 -2.50(-0.31%) , ICICI Bank : 1,380.50 7.10(0.52%) , Infosys : 1,533.70 47.30(3.18%) , Interglobe Aviat : 5,742.00 2.50(0.04%) , ITC : 403.70 -2.15(-0.53%) , Jio Financial : 305.20 -0.75(-0.25%) , JSW Steel : 1,167.80 4.80(0.41%) , Kotak Mah. Bank : 2,103.10 10.00(0.48%) , Larsen & Toubro : 4,015.40 15.80(0.40%) , M & M : 3,738.50 43.70(1.18%) , Maruti Suzuki : 15,788.00 -142.00(-0.89%) , Max Healthcare : 1,164.70 48.00(4.30%) , Nestle India : 1,275.50 10.40(0.82%) , NTPC : 325.90 -2.55(-0.78%) , O N G C : 249.25 2.30(0.93%) , Power Grid Corpn : 275.45 1.25(0.46%) , Reliance Industr : 1,519.30 -0.10(-0.01%) , SBI : 979.35 6.90(0.71%) , SBI Life Insuran : 2,004.60 11.30(0.57%) , Shriram Finance : 824.70 4.50(0.55%) , Sun Pharma.Inds. : 1,781.80 23.00(1.31%) , Tata Consumer : 1,161.10 7.00(0.61%) , Tata Motors PVeh : 363.20 -8.10(-2.18%) , Tata Steel : 173.30 0.85(0.49%) , TCS : 3,141.80 54.70(1.77%) , Tech Mahindra : 1,442.30 20.30(1.43%) , Titan Company : 3,914.00 34.80(0.90%) , Trent : 4,368.30 -5.70(-0.13%) , UltraTech Cem. : 11,702.00 -5.00(-0.04%) , Wipro : 246.01 5.11(2.12%) , Wednesday, November 19, 2025

Home >> Markets >> Equities >> News - News Details
Economy - Reports
10-Nov-2025     12:37
Indian banks are far more mature than they were decade ago, says RBI Governor

Sanjay Malhotra, Governor, Reserve Bank of India has noted in a speech that Indian banks today are far more mature than they were a decade ago. The credit and deposits have expanded to almost 3 times. Capital buffers have strengthened too - the CRAR rose from 13.5 per cent as on 31st March, 2015 to 17.5 per cent as on 31st March, 2025 with CET-1 increasing from 10.43 per cent to 14.73 per cent during the same period. Asset quality has also improved. GNPA and NNPA have reduced to 2.3 per cent and 0.5 per cent in March 2025 after rising to highs of 11.2 per cent and 5.96 per cent respectively in March 2018. Profitability of banks has enhanced significantly. Between FYs 2017-18 and 2024-25, Return on Assets increased from -0.24 per cent to 1.37 per cent, and Return on Equity jumped from -2 per cent to 14 per cent. Regulation cannot ignore this performance, these changed realities.

Malhotra also highlighted recent regulatory measures which have been built on the bedrock of a banking system that has been systematically fortified over the last decade, with financial stability remaining the unwavering cornerstone of our policy architecture. All the changes are incremental in nature. Moreover, no regulatory measure can be understood in isolation. Each measure has to be seen in the continuum of regulatory evolution and not in isolation. These proposals must be read against the broader regulatory scaffolding, which mitigates the risks. Together, the regulations create a multi-layered defence, to keep systemic risk in check.

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