RBI’s Supervisory Data Quality Index (sDQI) Report – March 2025 Update

The Reserve Bank of India (RBI) has developed the Supervisory Data Quality Index (sDQI) to assess the quality of data submitted by Scheduled Commercial Banks (SCBs). This index evaluates banks based on four crucial parameters:

• Accuracy
• Timeliness
• Completeness
• Consistency

The objective is to enhance transparency, promote data discipline, and assess adherence to the principles laid out in the Master Direction on Filing of Supervisory Returns 2024.

Key Improvements in March 2025

According to the latest RBI release, the overall sDQI score for SCBs has improved from 88.6 in March 2024 to 89.3 in March 2025. The improvement is driven by significant gains in timeliness and consistency of data submissions.

Detailed sDQI Score Trends (March 2024 vs March 2025)

Bank Group	Accuracy (Mar-24)	Completeness (Mar-24)	Timeliness (Mar-24)	Consistency (Mar-24)	sDQI Score (Mar-24)	Accuracy (Mar-25)	Completeness (Mar-25)	Timeliness (Mar-25)	Consistency (Mar-25)	sDQI Score (Mar-25)
Scheduled Commercial Banks	86.1	96.2	86.8	85.0	88.6	86.7	95.8	89.1	85.7	89.3
Public Sector Banks	87.1	99.6	85.4	84.6	89.2	85.7	99.4	84.8	85.2	88.8
Private Sector Banks	85.5	99.7	85.8	84.6	88.9	87.5	98.9	86.5	85.3	89.6
Foreign Banks	86.1	92.7	86.2	85.4	87.6	86.9	92.6	90.9	85.9	89.1
Small Finance Banks	86.6	99.6	92.8	84.9	91.0	85.8	98.9	91.5	86.1	90.6

Distribution of sDQI Scores (March 2024 – March 2025)

The RBI also shared the distribution of SCBs based on their sDQI performance. These are classified under four scoring bands:

• Less than 70 – Major Concerns
• Between 70 and 80 – Needs Improvement
• Between 80 and 90 – Acceptable
• More than 90 – Good

March 2025 Key Observations:

• 1 Bank scored below 70 (Major concern)
• 44 Banks scored between 80 and 90 (Acceptable)
• 42 Banks scored above 90 (Good)

Parameter-Wise Performance Trends

The chart below showcases the performance of SCBs on each parameter over the past five quarters:

Highlights:

• Timeliness improved from 86.8 (Mar-24) to 89.1 (Mar-25)
• Accuracy increased from 86.1 to 86.7
• Completeness remained strong around 95.8
• Consistency slightly improved from 85.0 to 85.7

What Returns Are Covered under sDQI?

The sDQI includes data from returns such as:

• Return on Asset Liability and Off-Balance Sheet Exposures (ALE)
• Return on Asset Quality (RAQ)
• Return on Operating Results (ROR)
• Risk Based Supervision Return (RBS)
• Liquidity Return (LR)
• Return on Capital Adequacy (RCA)
• Central Repository of Information on Large Credits (CRILC)