Bank Credit Growth

Bank credit growth slowed to 15 per cent in the fortnight ended April 15, the Reserve Bank of India (RBI) said on Wednesday. According to the latest data, the pace of lending growth slowed down to 14.88 per cent year-on-year (YoY) in the fortnight ended April 15, as compared to 15.96 per cent recorded in the preceding fortnight. During the reporting period, overall credit contracted by 2.06 per cent or Rs 4.51 lakh crore. Bank credit stood at Rs 214 lakh crore in the fortnight ended April 15, as compared to Rs 218 lakh crore during the preceding 15-day period ended March 31. The total credit stood at Rs 186 lakh crore in the fortnight ended April 18 last year, the RBI data showed. During the fortnight ended March 31, bank credit grew at the fastest pace in the last two fiscal years, as banks rushed to meet their balance sheet targets ahead of the financial year-end, resulting in a sharp increase in both loans and deposits. Bank credit growth has remained in double digits for more

Icra expects bank credit growth to ease below 12 per cent in FY27 as West Asia conflict, higher oil prices and deposit competition weigh on lending, margins and asset quality

Q4FY26 CD issuances hit Rs 5.27 trillion; FY26 at Rs 14 trillion, outstanding near Rs 7 trillion

Analysts at Ambit Capital expect Iran war to slow bank credit growth to 10-12 per cent in bear case scenario, pressure margins, and cap liquidity. It prefers private bank stocks like HDFC & ICICI Bank

Deposit competition, liquidity pressures and shifting household savings are weighing on bank margins, with a meaningful recovery expected only from the first half of FY27

Bank credit growth accelerated to 14.5% year-on-year in the fortnight ended February 28, while deposit growth strengthened to nearly 12%, according to RBI data

Bank credit rises 14.6% year-on-year in fortnight ended January 31, while deposit growth remains firm at 12.5%, RBI data show

Credit offtake strengthened on broad-based demand led by personal loans, MSME borrowing and services sector growth, while gold loans surged 127.6% amid reporting norm changes

Bank credit growth slowed to 13.1% and deposit growth to 10.6% in early January, RBI data shows, though FY26 credit outlook remains positive

There is greater confidence among banks to lend to MSMEs because of data availability, and clarity in terms of their business models, says Setty

Banks report strong loan growth in Q3 FY26 as GST rate cuts lift demand, with credit outpacing deposits for most lenders even as funding pressures persist

Analysts expect banks' corporate credit to pick up as the bond-loan rate gap narrows and RBI reforms, including acquisition financing and eased exposure norms, begin to bite

Outstanding CD issuance tops record ₹5.7 trn during the period

Another rate cut will make mobilising resources tough

ICRA expects bank credit growth at 10.7-11.5% in FY26, aided by higher retail and MSME demand following GST rationalisation. Corporate lending remains muted, with ECL impact pegged below 1.5%

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

Attribute this to fiscal, monetary measures

The state-owned Bank of Maharashtra (BoM) has reported a 16.8 per cent credit growth of Rs 2.54 lakh crore in the second quarter of this financial year. Total advances stood at Rs 2.17 lakh crore as of September 30, 2024, BoM said in a regulatory filing on Monday. The Pune-based lender reported a 12.1 per cent increase in total deposits to Rs 3.09 lakh crore, as against Rs 2.76 lakh crore at the end of the second quarter of the previous financial year. The bank's total business rose by 14.2 per cent to Rs 5.64 lakh crore, from over Rs 4.94 lakh crore in the year-ago period. The Current Account and Savings Account (CASA) of the bank stood at 50.35 per cent of total deposits, compared to 49.29 per cent at the end of the second quarter of the previous fiscal year. Credit deposit ratio of the bank rose from 71.7 per cent to 82 per cent at the end of September 2025, it added.

Shares of State Bank of India (SBI) rallied 2.5 per cent to ₹874 in intra-day trade is inching towards its all-time high level of ₹912.10, touched on June 6, 2024

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%