The NPAS agricultural sector is scheduled to rise in the 26th year: experts

The NPAS agricultural sector may witness a jump in the 26th fiscal year due to the floods caused by heavy rains in the states of grain, including Punjab, where crops were destroyed, as experts say.

This may be a cause of concern for the banking sector as the agricultural sector carries the largest share of bad loans among all sectors of Indian banking industry, according to the financial stability report of the Reserve Bank in India (RBI) in June 2025.

The report said that agricultural progress had a rate of non -colloquial assets (GNPA) by 6.10 % as of March 2025, which is the highest level among the main sectors, although lending in the sector has gradually improved over the past few years.

“NPAS has increased in the agricultural sector by 2.5 times in recent years, as an estimated 20-25 % can be directly related to climate-based issues,” says Ankit Todi, Sustainable Summary, Mahandra Group.

Maahindra & Mahindra Financial Services Limited, a non -banking financial company in the countryside, participated in agricultural lending and assessing the impact of climate -related events on its wallet.

Several scientific studies have indicated that harsh weather events such as floods, droughts and high temperatures are likely to affect agricultural production in the country, which increases the financial burden.

Experts say that the floods caused by these monsoon winds have damaged crops across several states, and this means an increase in agricultural NPAS in this fiscal year.

Prime Minister Narendra Modi visited the overflowing areas of Punjab on Tuesday, and Himachal Pradesh, and the center announced a relief package of 1600 rupees for the state.

Between August 24 and September 4, northern India recorded 205.3 mm of rain for 73.1 mm, and 35 % of the region’s shares for the seasonal wind season for four months.

Punjab was a great influence, as it was 388 % excess rain in the first week and 454 % per second. Haryana, Delhi and Shandigar recorded 325 % of excess rain, Himachall Pradesh 314 %, West Rajastan 285 %, J&K 240 % and ATARACHAND 190 %.