# Bank recoveries dip YoY in Q2FY27

> Commercial bank recoveries and upgrades fell to Rs 29,000 crore in Q2FY27, down from Rs 33,000 crore a year ago.
- Title: Bank recoveries dip YoY in Q2FY27 · Financialexpress
- Summary: Commercial bank recoveries and upgrades fell to Rs 29,000 crore in Q2FY27, down from Rs 33,000 crore a year ago.
- Keywords: bank recoveries, upgrades, q2fy27, private lenders, psbs, careedge ratings, Financialexpress
- Source: Financialexpress — https://financialexpress.com/business/banking-finance-bank-recoveries-upgrades-in-q2-dip-yoy-report-4380904
- Author: FE Bureau
- Published: 2026-11-10T16:40:09+00:00
- Read time: 1 min
- Topics: bank recoveries, upgrades, q2fy27, private lenders, psbs, careedge ratings, business, money, news
## Q2FY27 bank recoveries and upgrades
Recoveries and upgrades of commercial banks declined to Rs 29,000 crore in Q2FY27 from Rs 33,000 crore in Q2FY26.
## Private lenders see dip
Private lenders saw a dip in upgrades and recoveries, from Rs 18,000 crore in Q2FY26 to Rs 14,000 crore in Q2FY27.
## PSBs remain flat
Public sector banks reported upgrades and recoveries flat at Rs 15,000 crore in Q2FY27.
## Asset quality improves
Gross NPA ratio fell to 1.54% from 2.07% a year ago, with net NPA ratio at record low 0.34%.
## ECL regime impact
Banks will manage unsecured retail, agriculture and small-ticket MSME loans under expected credit loss regime.
## Key takeaway

Bank recoveries and upgrades declined to Rs 29,000 crore in Q2FY27, with private lenders seeing a dip and PSBs remaining flat.