India Ratings and Research on Monday revised its outlook on the overall banking sector to stable for the fiscal 2021-2022 from negative even as it sees higher stress emerging in the retail loan segment going ahead. For public sector banks (PSBs), the outlook has been revised to stable from negative and for private banks, the agency continues to have stable outlook. It estimates that overall stressed assets (gross non-performing assets (GNPA) + restructured) could increase 30 per cent for the banking system, the increase is almost 1.7 times in the retail segment in the second half of the fiscal 2020-21.