Bitter harvest: The rise of bad loans in the agriculture sector

ByRoshan Kishore, Sreedev Krishnakumar

Updated on: Jan 03, 2026 12:34 PM IST

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A particular sector’s rising share of NPAs on its own need not cause a concern. It can very well be a result of an increase in credit to that particular sector.

The RBI released its biannual Financial Stability Report (FSR) on December 31. Data on bad loans, or non-performing assets (NPA), shows that bank balance sheets are healthier than they have ever been in the last decade, with gross NPAs as a share of total advances falling to just 2.2% in September 2025.

Workers plant paddy in the fields in Wayanad district of Kerala. (Representational image)(Courtesy Rajesh Krishnan)

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