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Credit card NPAs rise 28.4% to ₹6,742 crore in 2023-24
April 07, 2025
|Financial Express Lucknow
CREDIT CARD USAGE has gone up significantly in the last three years, driven by increased consumer spending and the growing popularity of digital payments.
CREDIT CARD USAGE has gone up significantly in the last three years, driven by increased consumer spending and the growing popularity of digital payments. However, non-performing assets (NPAs), or the amount defaulted by customers, in the credit card segment have also risen by 28.42% to ₹6,742 crore during the 12-month period ended December 2024, according to the latest Reserve Bank of India (RBI) data.
The RBI data shows that gross NPAs rose from ₹5,250 crore in December 2023 to the current level, a rise of nearly ₹1,500 crore, amid a slowdown in the economy. This works out to 2.3% of the gross loan outstanding of ₹2.92 lakh crore in the credit card segment of commercial banks in December 2024 as against 2.06% of ₹2.53 lakh crore credit card outstanding in the previous year.
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