Measuring Banks Health NPA Ratio

Below Are The Banks And their NPA Ratios i could find. 

1. NPA ratio, Ratio of bad loans to total loans. 7% or lower is better.

2. MCAP ratio. Market Capitalization Ratio. 2 or lower is better.

Guidelines,

1. Open and manage multiple accounts.
2. Savings up to Rs 5,00,000 per account holder is insured.
3. Scheduled commercial bank, is still your best bet.
4. Co-op banks, Post office accounts, LIC deposits are NOT regulated and NOT insured.

From Care Ratings,as of SEP-2019

1. 17 of the 36 banks had NPA ratio of above 10% in June 2019. Of them 16 were PSBs and only 1 was a private bank.
2. Three of the PSBs had NPA ratio of above 20% (IDBI, UCO and IOB). 
3. 3 PSBs had NPA ratios of less than 10% - SBI, Indian Bank and Canara Bank.
4. 3 private banks had NPA of less than 2% and 8 had between 2-5% and 5 between 5-10%

Comparing NPA in private banks to Public banks, as of SEP-2019.

Data As of 2016 from here. Banks like PNB have already failed and this is a good indicator of governance of the bank.The banks went dark on data after 2016.

As these banks fail, you have a domino effect, as these banks invest in each other.IDBI, UCO and IOB are the banks with high NPA ratio since 2016.

Highest gross NPA is also something to keep an eye on, as this also indicates a governance issue and lack of recovery mechanism.

Here is the list and the detailed list from hindu.

NPA distribution sector wise, yep..It is Iron And Steel.

MCAP Ratio. Note, stock prices can change quickly due to domino effect when banks fail or due to market conditions. Use this ratio in combination with NPA ratio to find health of the banks. A high MCAP and high NPA ratio means the bank is poorly capitalized and has larger share of bad loans and is a clear RED flag.Source print.