The RBI said stress tests done on public sector banks revealed that their gross non-performing asset ratio may rise from 12.7% in September 2019 to 13.2% by September 2020. Private sector banks, too, could see an increase in gross NPAs from 3.9% to 4.2% in the period under consideration. These stress tests for credit risk were done to test the resilience of Indian banks against macroeconomic shocks. It encompassed one baseline and two (medium and severe) adverse macroeconomic risk scenarios.