Bank Credit

Careedge expects stronger bank performance in FY26, with credit growth rising to 11.5-12.5% on consumption and corporate demand, even as weak deposit growth keeps the credit-deposit ratio high

RBI data show bank loans fell by Rs 49,468 crore in mid-October, even as annual growth improved marginally to 11.5 per cent; deposits also declined during the period

The share of outstanding bank credit in infrastructure financing has come down to 33.61 per cent - the least since FY18

Absolute outstanding bank credit amount of large enterprises declined 32.67% from March-end to July-end this year

Non-bank sources including NBFCs, equity issuances and short-term external credit offset moderation in bank lending, raising overall funding flows to the commercial sector

Crisil Ratings expects bank credit growth to accelerate in H2 FY26 to 11-12%, driven by retail loans and NBFCs, with corporate credit growth rebounding to 9.7%

Corporates increasingly turn to debt capital markets as bank credit share in fundraising hits multi-year low, signalling shift in funding dynamics

The pace of credit growth on a Y-o-Y basis in retail and industrial credit also moderated in June 2025, Reserve Bank of India (RBI) data showed

Loan growth for banks is yet to pick up despite a 100 bps cut in the policy repo rate by the Reserve Bank of India (RBI) since February

Bank credit to industry expanded at 4.9 per cent in the fortnight ended May 30, against 8.9 per cent growth in the corresponding period of the previous year, the Reserve Bank said on Monday. The RBI has released the data on sectoral deployment of bank credit for May 2025 collected from 41 select scheduled commercial banks (SCBs), accounting for about 95 per cent of the total non-food credit by all commercial banks. On a year-on-year (y-o-y) basis, non-food bank credit as on the fortnight ended May 30, 2025, grew by 9.8 per cent as compared to 16.2 per cent during the corresponding fortnight of the previous year (May 31, 2024). "Credit to industry recorded a y-o-y growth of 4.9 per cent, compared with 8.9 per cent in the corresponding fortnight of the previous year. Among major industries, outstanding credit to all engineering', construction' and rubber, plastic and their products' recorded an accelerated y-o-y growth," it said. According to the data, credit to agriculture and allie

Bank credit growth slowed to 6.7% in April, with faster growth in metals and textiles but slower in infrastructure and agriculture. RBI data highlights changes in services and personal loans credit

Gold loan growth rises 119.6% YoY to Rs 2.23 trillion in April 2025; RBI data shows slowdown in retail and NBFC credit growth despite robust rise in gold-backed lending

Loan growth for commercial banks dipped to 10.3 per cent in the fortnight ended April 18, while deposit growth inched up slightly to 10.2 per cent, RBI data shows

Tax sops, softer interest rates to support loan offtake

Credit growth to expand at 10.8-10.9% on regulatory easing

The evolution of sanctioned amounts mirrors this progression. In financial year FY 2015-16 (FY16), total sanctions stood at ₹1.37 trillion; by FY24, this figure had grown by 4 times to ₹5.41 trillion

Reserve Bank of India (RBI) data showed deposit growth moderated to 10.3 per cent in the fortnight ended March 21, 2025 (last fortnight of FY25), from 13.5 per cent in FY24

Retail growth moderates on slump in unsecured credit

Bank credit to personal loan segment moderated to 14.9 per cent year-on-year in December, largely due to decline in growth in 'other personal loans', 'vehicle loans' and 'credit card outstanding', according to Reserve Bank data released on Friday. The RBI has released data on sectoral deployment of bank credit for December 2024 collected from 41 select commercial banks, accounting for about 95 per cent of the total non-food credit deployed by all commercial banks. On a year-on-year (y-o-y) basis, growth in non-food bank credit as on the fortnight ended December 27, 2024 moderated to 12.4 per cent as compared to 15.8 per cent for the corresponding fortnight of the previous year. According to the data, bank credit to agriculture and allied activities registered a growth of 12.5 per cent (y-o-y) as on the fortnight ended December 27, 2024 (19.4 per cent for the corresponding fortnight of the previous year). Further, credit growth to industry remained almost flat at 7.4 per cent ...

Banks' credit to industry grew by 8 per cent in October 2024 compared to 4.8 per cent in the year-ago period, according to the RBI data released on Friday. The Reserve Bank data also showed that credit to agriculture and allied activities registered a growth of 15.5 per cent year-on-year (y-o-y) in October 2024, compared to 17.4 per cent seen in the same month of last year. Among major industries, credit to 'chemicals and chemical products', 'petroleum, coal products and nuclear fuels', and 'all engineering' recorded a higher growth in October 2024 as compared to their respective growth rates a year ago. Personal loans growth decelerated to 15.8 per cent (y-o-y) in October as compared to 18 per cent recorded a year ago, largely due to decline in growth in 'other personal loans', 'vehicle loans' and 'credit card outstanding'. However, 'housing' -- the largest constituent of personal loans segment -- recorded an accelerated growth on year. RBI further said credit growth to services