Context:
The Supervisory Data Quality Index (sDQI) for Scheduled Commercial Banks (SCBs) improved marginally to 89.3 in March 2025, up from 88.6 in March 2024, according to the Reserve Bank of India (RBI). The sDQI evaluates the accuracy, timeliness, completeness, and consistency of supervisory returns submitted by banks to the RBI.
Scoring Benchmarks
The RBI classifies sDQI scores into the following categories:
- Above 90: Good
- 80–90: Acceptable
- 70–80: Needs Improvement
- Below 70: Major Concerns
Segment-wise Performance in March 2025
- Small Finance Banks (SFBs):
Highest sDQI among SCBs at 90.6, though slightly down from 91.0 in March 2024. - Public Sector Banks (PSBs):
Declined to 88.8, from 89.2 in the previous year. - Private Sector Banks:
Improved to 89.6, up from 88.9. - Foreign Banks:
Recorded a significant rise to 89.1, from 87.6 in March 2024.
Coverage and Scope
- The index covers 87 Scheduled Commercial Banks and evaluates the quality of key returns submitted to RBI, including:
- Return on Asset Liability and Off-Balance Sheet Exposures
- Return on Asset Quality
- Return on Operating Results
- Risk-Based Supervision Return
- Liquidity Return
- Return on Capital Adequacy
- CRILC (Central Repository of Information on Large Credits) – Main
