•  The report explains the performance of the banking sector during 2024-25 and the first half of the 2025-26 period.

Banking System Structure: At end of Financial Year 2024-25 (FY25), India’s commercial banking sector consisted of 12 Public Sector Banks (PSBs), 21 Private Sector Banks (PVBs), 44 foreign banks (FBs), 11 Small Finance Banks (SFBs), six payments banks (PBs), 43 Regional Rural Banks (RRBs), and two Local Area Banks(LABs).
Consolidated BS: The consolidated balance sheet of scheduled commercial banks (SCBs) (excluding RRBs) increased by 11.2% during FY25 as compared with 15.5% during FY24.
Asset and Liability: On the assets side, bank credit and investments increased by 11.5% and 9.2%, respectively, in FY25.
Share of Banks: The share of PSBs in the consolidated balance sheet of SCBs declined to 54.9% at end-March 2025 from 55.2% the previous year.
Bank fraud amount rises 30% to Rs 21,515 crore in April-September 2026
Fraud Rises: During the first half of Financial Year 2025–26 (FY26) (April–September), the number of reported bank fraud cases declined to 5,092.

• However, despite the reduction in incidents, the total amount involved in these frauds increased by 30% to Rs 21,515 crore (Cr).