Credit Growth

Over 10.07 lakh beneficiaries in Jammu and Kashmir received credit assistance during the first half of the financial year 2025-26, with banks disbursing loans worth over Rs 43,000 crore, an official said on Sunday. The information was given at the 17th meeting of the UT-Level Bankers' Committee (UTLBC) chaired by chief secretary Atal Dulloo here on Saturday to review the performance of banks and financial institutions in providing credit and other banking services during the first quarter and first half of the current financial year 202526, the official said. The official said the meeting was informed that the banks in J&K have disbursed credit of Rs 43,017 crore to 10.07 lakh beneficiaries during the first half of the current financial year 202526. Dulloo said despite the ups and downs caused by the Pahalgam terror attack followed by cross-border tensions and floods that engulfed J&K between April and September, lending to the priority sector has remained ...

Analysts attribute the relative slowdown among private-sector banks partly to specific events, notably the merger between HDFC Bank and HDFC

Institutional investors include family offices and global private equity firms

Country's largest lender SBI is in talks with the government for having a credit guarantee scheme for risky, new-age sectors, its managing director Ashwini Kumar Tewari said on Monday. SBI also wants the inclusion of green finance in priority sector lending mandate, but the RBI and the government are averse to the idea because of the crowding-out effects on other aspects, Tewari said. Speaking at the CII Finance Summit here, Tewari said SBI will soon be inaugurating a centre of excellence that will help not just itself but the broader universe of financiers with aspects like drafting policies on lending, assessing and pricing of risk, etc. The CoE will focus on eight sectors, including electric vehicles, high-end solar technology, green hydrogen, green ammonia, batteries and data centre, he said. "We are telling the government to build in some guarantee schemes for the new age and riskier elements of the industry," he said, without elaborating on the specifics been sought. At pres

According to the data, banking system credit stood at Rs 193.9 trillion, while deposits stood at Rs 241.7 trillion during this period

Canara Bank expects credit momentum to continue in H2 of FY26, supported by GST rate cuts, robust rural lending, and higher retail demand even as it works to maintain profitability and asset quality

The popular view is that the second half of the year sees a bump in credit on account of the festive and wedding seasons. We examine if the data backs up this perception

RBI data shows faster growth in credit to industry at 7.3 per cent in September 2025, led by engineering, infrastructure, and textiles, even as retail credit slows to 11.7 per cent

State Bank of India (SBI) Chairperson C S Setty on Wednesday said India’s overall credit growth remains strong.

Data from the RBI show outstanding credit in the system stood at Rs 192.66 trillion, while deposits stood at Rs 240.98 trillion.

Banks in India are currently sitting on excess capital, with CET1 ratios around 14.7 per cent, well above the regulatory requirement of 8-9 per cent

Real estate continues to be an attractive sector for investment

Indian banks are now also allowed to fund acquisitions of non-financial entities and to finance land acquisition by special purpose vehicles, quelling a long standing demand of lenders

RBI data shows retail credit growth slowed to 11.8% in August from 13.9% a year earlier, with housing, vehicles and credit card loans recording sharper moderation

Shift towards collateral-backed lending signals risk-conscious credit growth

Domestic credit rating agency Crisil on Monday said banks' credit growth will accelerate in the second half of the fiscal year and inch up to 12 per cent in FY26. Retail credit will drive growth in loan books for banks in FY26, and corporate loans growth will be slower in the fiscal year, the agency said. The agency flagged some concerns for the industry, including a decline in households' contribution to deposit accretion, which can lead to issues over deposit stability, and lending to small businesses, which can impact asset quality. "The Q1 credit growth was slower at 9.5 per cent and while it has inched up to 10 per cent, it is still subdued. However, we expect the second half to lead to faster loan growth, which should take FY26 loan growth to 11-12 per cent," Crisil Chief Rating Officer Krishnan Sitaraman told reporters. He said government and regulatory measures, coupled with a likely reversal of an earlier trend of corporate borrowers going to alternatives like bond markets

Banks are launching attractive loan offers, with credit growth expected to rise during the festive season and after GST cuts. Retail lending is set for significant growth in H2 FY25

During this period, credit to micro industries grew 21 per cent, while credit to medium industries rose 14.7 per cent. In contrast, credit to large industries increased by only 0.9 per cent

SBI Chairman CS Setty said India Inc is funding capex through cash reserves of Rs 13.5 trillion, leading to weak loan demand; IBA to seek RBI nod for bank financing of M&A deals

Retail credit moderation and rising bond yields impact bank lending growth, as credit rises 10 per cent and deposits grow 10.2 per cent in the fortnight ended 25 July