For banks, the 31-1180-day segment was 5.4% in June 2025, up 2.5% in June 2024 but was slightly better than 6.2% in March 2025.
In NBFC-MFI, the ratio was 6% compared to 2.6% a year ago in June 2025 and 6.6% in March 2025.
For the overall industry, more than 180 days increased to 13.6% in June 2025, compared to 7.6% a year ago and 11.3% in March 2025.
The initial offense was also seen in the bucket, which against the 0.5% last year, compared to 5-60 days, compared to 5- %%, compared to 8.4% compared to 5-3 days, and 1.2% a year ago. –.1%.
The sector’s loan book has contracted with increasing stress. The NBFC-MFI’s remaining portfolio’s year-by-year-year fell 18% to Rs 1.38 lakh crore in June 2025, which was Rs. 1.68 lakh crores.
For banks, a year ago, Rs. The decline was 15.8% compared to 1.38 lakh crore. Overall, the total loan portfolio of the industry is shrinking .5..5% annually.
Funds for this area have also slowed down. NBFC-MFIS increased debt of Rs 12,781 crore during the first quarter of FY 26, down 19.9% in the same quarter last year. Banks contributed 81.9% of total borrowing, followed by 8.4% by NBFC. Equity Inspiration by June 30, 2025, Rs. 34,582 crore, which is 6.2% in the year-by-year year.
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“It is a sign of relief that despite the sharp reduction in the flow of bank funds and the severe reduction in strict underwriting, which has led to contraction in the total loan portfolio, and the credit quality is on the mand,” MFN CEO and director Dr. Alok Mishra said. “This area is fragile and needs fluid to sustain improvement.”
NBFC-MFI continued to dominate the microfinance market with a share of 39%portfolio, then banks show 33%, small finance banks at 16%, and NBFC 12%and profitable companies, not SA-Data data.
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