Agartala: The overall asset quality of banks in Tripura showed marginal improvement as the percentage of gross non-performing assets (NPAs) against gross advances declined to 4.19 per cent as on December 31, 2025 from 4.74 per cent a year ago, reveals agenda notes report of 154th State Level Bankers Committee (SLBC) quarterly meeting. The data is available till December, 2025.
In absolute terms, gross NPAs also fell to Rs 997.54 crore as on December 31, 2025 from Rs 1,048.73 crore as on December 31, 2024, indicating a gradual reduction in stressed assets despite growth in advances.
Sector-wise data showed mixed trends. In the agriculture and allied sector, outstanding credit increased to Rs 4,793.74 crore in December 2025 from Rs 4,663.42 crore in December 2024. However, NPAs in the segment also rose to Rs 368.28 crore from Rs 346.99 crore, pushing up the NPA ratio slightly to 7.68 per cent from 7.44 per cent.
The MSME sector recorded significant growth in lending, with outstanding advances rising to Rs 5,931.37 crore from Rs 4,917.42 crore. At the same time, NPAs declined to Rs 327.18 crore from Rs 379.58 crore, improving the NPA ratio to 5.52 per cent from 7.72 per cent.
In the other priority sector category, outstanding credit increased to Rs 2,926.43 crore from Rs 2,382.87 crore, while NPAs remained largely stable at Rs 85.88 crore compared to Rs 85.79 crore earlier. This resulted in an improvement in the NPA ratio to 2.93 per cent from 3.60 per cent.
Overall, total priority sector advances rose to Rs 13,651.53 crore in December 2025 from Rs 11,963.71 crore a year ago. During the same period, total NPAs declined to Rs 781.34 crore from Rs 812.36 crore, bringing down the NPA ratio to 5.72 per cent from 6.79 per cent.
Scheme-wise data also reflected varied performance. Under the Kisan Credit Card (KCC) scheme, outstanding loans increased to Rs 974.59 crore from Rs 924.22 crore. NPAs stood at Rs 239.69 crore as against Rs 224.52 crore earlier, with the NPA ratio inching up to 24.59 per cent from 24.26 per cent.
The Prime Minister’s Employment Generation Programme (PMEGP) saw a decline in outstanding loans to Rs 200.20 crore from Rs 209.66 crore. NPAs also reduced to Rs 57.61 crore from Rs 64.26 crore, improving the NPA ratio to 28.78 per cent from 30.65 per cent.
Under the Swavalamban scheme, outstanding credit fell to Rs 211.70 crore from Rs 244.67 crore, while NPAs declined to Rs 67.48 crore from Rs 75.45 crore. However, the NPA ratio increased to 31.87 per cent from 27.29 per cent.
In the Pradhan Mantri Mudra Yojana, outstanding loans rose to Rs 3,357.93 crore from Rs 3,304.02 crore, while NPAs increased to Rs 448.37 crore from Rs 410.80 crore, resulting in a marginal rise in the NPA ratio to 12.67 per cent from 12.43 per cent.
Meanwhile, the credit-deposit (CD) ratio of banks in the state improved marginally to 57 per cent as on December 31, 2025. As per Reserve Bank of India guidelines, total deposits stood at Rs 46,401.19 crore, while total advances utilised in the state were Rs 23,844.21 crore. Including RIDF support and NEDFI exposure of Rs 2,553.50 crore, total advances considered for CD ratio calculation stood at Rs 26,397.71 crore.
Officials said the state needs to increase the CD ratio to above 60 per cent in the next fiscal, with a focus on MSME and retail credit to enhance credit flow.
Banking infrastructure also expanded during the period, with the number of branches increasing to 618 as on December 31, 2025 from 604 a year ago. Of the 14 new branches opened, eight were in rural areas, four in semi-urban areas and two in urban centres.
Deposits in the state grew by 8 per cent year-on-year, while advances also registered an 8 per cent increase during the same period. Priority sector advances rose by 14 per cent year-on-year, achieving 62 per cent of adjusted net bank credit as on December 31, 2025, compared to 60 per cent a year ago.
Agriculture credit increased to Rs 4,793.74 crore from around Rs 4,663 crore, registering a growth of about 3 per cent. Advances to MSMEs recorded a higher growth of 21 per cent, reaching Rs 5,931.37 crore.
Housing and education loan portfolios also expanded, increasing by Rs 264 crore and Rs 17 crore respectively, with year-on-year growth rates of 7 per cent and 10 per cent.
Credit flow to socially disadvantaged groups improved, with advances to the Scheduled Caste community rising to Rs 2,118 crore from Rs 1,553 crore, marking a 36 per cent increase. Advances to the Scheduled Tribe community also grew to Rs 3,993 crore from Rs 3,060 crore, registering a 30 per cent rise.
Under the Annual Credit Plan (ACP) for 2025-26, banks disbursed Rs 12,281.52 crore during April to December 2025 against a target of Rs 17,000 crore, achieving 72 per cent of the annual target.
Out of 31 banks operating in the state, 16 achieved 72 per cent or more of their targets, while 14 banks remained below the state average, including major lenders such as Canara Bank, ICICI Bank, HDFC Bank and Tripura Gramin Bank. Fifteen banks also fell short of the proportionate target of 75 per cent for the period.
Under the priority sector, banks disbursed Rs 7,284 crore against a target of Rs 11,240 crore, achieving 65 per cent, slightly lower than 66 per cent recorded in the corresponding period of the previous fiscal. However, in absolute terms, disbursement increased by 15 per cent compared to Rs 6,330.86 crore in the same period last year.
In the agriculture sector, banks disbursed Rs 2,323.78 crore against a target of Rs 4,000 crore, achieving 58 per cent. Sector-wise performance showed public sector banks achieving 58 per cent, private sector banks 52 per cent, regional rural banks 55 per cent and cooperative banks 72 per cent.
Dear Reader,
Every day, our team at EastMojo travels through rain, rough roads, and remote hills to bring you stories that matter – stories from your town, your people, your Northeast.
We do this because we believe in truthful, independent journalism. No big corporate backing, no government pressure – just honest reporting by local journalists who live and breathe the same air you do.
But to keep doing this work, we need you. Your small contribution helps us pay our reporters fairly, reach places others ignore, and keep asking the tough questions.
If you believe the Northeast deserves its own fearless voice, stand with us.
Support independent journalism. Be a Member.
Thank you,
Karma Paljor
Editor-in-Chief, eastmojo.com
In the MSME segment, disbursement stood at Rs 3,975.39 crore against a target of Rs 5,040 crore, achieving 79 per cent, an improvement over 70 per cent in the corresponding period of the previous year.
The report said the decline in disbursement under other priority sectors was mainly due to reduced lending by private sector banks and Tripura Gramin Bank.
Also Read | Nagaland govt flags encroachment in Tizit forest land