India: Real interest rate
* indicates monthly or quarterly data series
| India |
Real interest rate: Bank lending rate minus inflation |
|---|---|
| Latest value | 2.52 |
| Year | 2022 |
| Measure | percent |
| Data availability | 1978 - 2022 |
| Average | 5.65 |
| Min - Max | -1.98 - 10.77 |
| Source | The International Monetary Fund |
The latest value from 2022 is 2.52 percent, an increase from 0.32 percent in 2021. In comparison, the world average is -0.41 percent, based on data from 94 countries. Historically, the average for India from 1978 to 2022 is 5.65 percent. The minimum value, -1.98 percent, was reached in 2010 while the maximum of 10.77 percent was recorded in 1978.
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* indicates monthly or quarterly data series
Recent data
Historical series
| Related indicators | Latest | Reference | Measure |
|---|---|---|---|
| Bank cost to income ratio | 47.82 | 2021 | percent |
| Non-performing loans | 1.72 | 2023 | percent |
| Bank overhead cost | 1.85 | 2021 | percent |
| Net interest margin | 3.18 | 2021 | percent |
| Bank credit to deposits | 71.96 | 2021 | percent |
| Regulatory capital to risk-weighted assets | 15.59 | 2020 | percent |
| Return on assets | 1.16 | 2021 | percent |
| Return on equity | 13.91 | 2021 | percent |
| Banking system z-scores | 19.44 | 2021 | index points |
| Liquid assets to deposits | 14.03 | 2021 | percent |
| Banking system capital to assets | 8.10 | 2020 | percent |
| Non-interest income to total income | 27.11 | 2021 | percent |
| Lending interest rate | 8.57 | 2022 | percent |
| Real interest rate | 2.52 | 2022 | percent |
| Legal rights | 9.00 | 2019 | points |
| Credit information sharing | 7.00 | 2019 | points |