Bank Credit

Retail-led expansion and regulatory overhauls are pushing India’s credit cycle in FY26

Banking Central | Credit is the new festival offer

India’s festive season boom isn’t just about rising consumption, it’s how borrowing has become part of everyday financial behaviour

GST cuts to support banks and NBFCs’ credit growth, no direct impact of tariff on lenders: ICRA

ICRA said the second order effect of Trump’s tariffs are likely to have an impact on the personal loan segment, with banks and NBFCs already going slow for over a year now.

Chart of the Day | What do the latest data show on trends in personal loan growth?

While industry and services credit remain steady, the sharp deceleration in personal loans points to cooling household demand.

RBI examining measures to expand bank credit to productive sectors: Governor Sanjay Malhotra

Banks and NBFCs should make special efforts to boost formal credit to them, RBI Governor said, adding that they should leverage the public digital infrastructure like the Unified Lending Interface (ULI) to achieve results.

Bank credit growth rises to 10.22% in August, highest in over three months

The last time when the bank credit growth was above current growth rate was as on April 18, 2025, at 10.28 percent.

Credit card, home loan originations growth rate decline in Q4FY25, shows TransUnion CIBIL India report

The share of new-to-credit customers in originations continued to decrease with lenders becoming cautious.

Vault matters | Thinning bank credit growth needs RBI’s immediate attention

While it is often perceived that bank credit growth is a derivate of GDP growth, the fact is both are interlinked. If credit growth posted by banks is muted, GDP growth is unlikely to outperform the loan growth data. At 11.5% as per recent RBI data, bank loan growth isn’t very inspiring

Bank credit slowed down in 2024, but could bounce back in 2025

Overall, the data shows that bank credit marked a slowdown in the year 2024, falling to 10.6 per cent from 20.9 per cent, with only loans to industries showing a pickup.

Chart of the Day | Even as banks turn cautious, collateral-free agriculture loans set to increase

Bank lending to agriculture segment grew by just 6.5 percent between March 2024 and October 18 compared with 10.6 percent in the comparable year-ago period as banks slowed lending

Why the 50 bps CRR cut may not move the needle

If banks don’t respond to the CRR cut by passing on the excess liquidity to the borrowers through cheaper loans, the ball will be back in the RBI’s court to offer a growth stimulus post the disappointing Q2 numbers.

Chart of the Day | What do bankers think of loan demand going forward?

Bankers are bullish. This optimism could be due to the increased capex spending plans of corporations and start of a lower interest rate era that could spur consumer demand

Why India's bank credit to GDP ratio is low when there's no shortage of banks

Despite having close to 2000 banks, the ratio is only at 58 percent for India, even as countries with fewer banks boast of a higher number  

CD ratio of Indian banks was over 100% in 6 states and union territories in FY24

In the financial year 2023-24, bank credit rose 19.12 percent in the FY24 to Rs 169.14 lakh crore, as compared to Rs 142 lakh crore in the year ago period. On the other hand, deposit grew 13.4 percent on-year to Rs 212.54 lakh crore by the end of FY24.

Economic Survey 2024: Bank credit to service sector remained resilient despite slowdown in credit growth to NBFCs

Within personal loans, housing loan growth remained range-bound during FY24, with signs of improvement in April and May 2024, survey added.

What's behind the sudden boom in bank credit to MSMEs?

Bank credit to MSMEs in Jan-Feb was higher than even advances to the housing sector. Brighter business prospects and a regulatory change may explain the jump

MC Interview | Equitas SFB targeting 25% credit growth in next few quarters: CEO

PN Vasudevan said that the bank’s CD ratio stands at 91.5 percent and is at a comfortable level.

Weekly Numerics | Suspension spree in the Parliament, Indian students’ spending abroad soars, and the rise in credit demand

With the 2024 Budget session left, the 17th Lok Sabha has already seen the most number of suspensions in India’s legislative history. Meanwhile, expenditure of Indian students going abroad is on the rise and is expected cross USD 70 billion annually by 2025, according to estimates.

Bank credit to industries slows down, shows RBI data

According to experts, credit to the segment fell due to risks of high defaults and global slowdown in demand for certain industries.

India’s growth outlook through the lens of bank credit

There has been a slowdown in headline credit growth in recent months but retail loans and credit to services have held up. Analysts believe that loan growth is broad-based which augurs well for India’s economic health.

Industry credit grows by 5.2% YoY in July: RBI data

The central bank collects deployment of bank credit data from the 40 select scheduled commercial banks (SCB), which accounts for about 93 percent of the total non-food credit deployed by all SCBs.

There's some good news. Credit growth is casting its net wide

The star of the show this fiscal year has been the services sector. Loans outstanding to the services sector showed a growth of a mere 1.8 percent in the first quarter of FY23, compared to 7.7 percent in Q1 of the current fiscal year

Banks step up lending to aviation; sector seen safe in long term, experts say

Outstanding credit to the aviation sector rose 41 percent on May 19 from a year earlier, according to data from the central bank.

Bank credit to industry decelerates in April to 7%: RBI

Loan to agriculture and allied activities improved to 16.7 per cent (y-o-y) in April 2023 from 10.6 per cent a year ago.

Bandhan Bank raises fixed deposit rates by up to 0.5 percent. Check what you'll get

Also, customers can avail 8.25% on scheme called fixed deposit plus for a tenure of more than 2-3 years, the bank said. Senior citizens will get 8.80 per cent.