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RBI Stress Test: Bank Bad Loans Could Rise to 1.9% by March 2028, Gold and Private Credit Flagged
Times of India·Wednesday, 1 July 2026
The Reserve Bank of India's latest stress test shows Indian banks could see bad loans rise to 1.9% by March 2028. The RBI has separately flagged risks in gold loans and private credit. Overall, banks are said to have passed the stress test.
Why It Matters
When banks accumulate bad loans, they become cautious about lending — which affects home loans, business credit, and the broader economy. Gold loan risks matter especially to millions of borrowers who pledge jewellery.
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