Even as non-performing loans among large borrowers continue to rise, NPAs in the micro and SME segments seem to have stabilised. In the SME category (loans between Rs 10 and 250 million), NPAs remained stable at 11.2% at the end of Q3FY18, lower than the 11.3% at the end of Q3FY17. In the micro loans category (loans less than Rs 10 million), NPAs, in fact, fell from 9.2 % in Q3FY17, the period when demonetisation was announced, to 8.8 % in Q3FY18 shows a report by CIBIL and SIDBI.
By comparison, NPAs in the large borrowers’ category (loans greater than Rs