Ranchi: Banks operating in the state have reported a decline of 15.81% in the non-performing assets (NPA) even though the NPA of several govt schemes have gone up.The state level bankers’ committee (SLBC) report has stated the total bank credit at the end of 2025-26 was Rs 1,76,584.66 crore, out of which Rs 7,915 crore (4.48%) was NPA. In comparison, total bank credit in 2024-25 was Rs 1,53,920.43 crore, while the NPA was Rs 8,194.83 crore (5.32%).The SLBC stated that credit increased by Rs 22,664.23 crore from March 2025 to March 2026 while the NPA declined by Rs 279 crore, which is 15.81%.The report further said that the best performing banks on NPA front were Bank of Maharashtra, SBI, Canara Bank, Karur Vaisya Bank, Federal Limited Bank and Jharkhand Gramin Bank. The worst performing were UCO Bank, Punjab National Bank, Bank of India, Karnataka Bank Limited, IndusInd Bank and Dhanbad Central Cooperative Bank.Officials stated that among the govt schemes, the PM Employment Generation Programme has registered a growth in NPA by 28.98%, PM Mudra Yojana by 10.38%, Stand Up India by 19.41%, and for self-help groups by 0.94%.The SLBC report stated, “Banks have speeded up the recovery of bad loans to reduce NPA with 2,580 certificate cases worth Rs 55.17 crore, 156 debt recovery tribunal cases worth Rs Rs 69.95 crore being filed in the last quarter of the financial year 2025-26. In addition 600 requests have been sent to the district authorities for physical occupation of the assets in Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest (Sarfaesi) cases.”