Financial Stability Report (FSR) – December 2024
The RBI’s Financial Stability Report (FSR) for December 2024 reviews India’s financial health, highlighting resilience despite challenges. Key findings include a drop in Gross NPA ratio to 2.6%, retail inflation easing to 5.5%, and stable NBFC balance sheets. Real GDP growth moderated to 6% for 2024-25 H1. AI adoption and rising private bank write-offs pose risks, while stress tests confirm banks can maintain capital adequacy. Liquidity shortfalls reached ₹2.43 trillion, and improved regulatory compliance is evident with reduced penalties. The report anticipates GDP recovery driven by domestic consumption and investments, supported by a robust financial system.
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