Page 8 - Banking

Supervisory data quality index of banks improves to 90.7 in Sept 2025

The overall sDQI score for SCBs improved to 90.7 in September 2025, up from 89.9 in June 2025

Enhanced RBI oversight strengthens banks' operating environment: Fitch

These shifts, paired with strong economic growth prospects and reduced inflation risks, are credit positive for the sector, global rating agency Fitch said in a report

Banks see strong deposit growth in Q3 outpaced by rapid credit expansion

HDFC Bank's C/D ratio surges to 99.5%

HDFC Bank's loan book grows 12% to ₹28.44 trn in Q3, CD ratio up at 98.5%

After several quarters, the bank reported loan growth higher than deposit growth. The bank mobilised ₹57,700 crore of deposits during the quarter while credit disbursed expanded by ₹75,300 crore

HDFC Bank posts 2.7% loan growth to ₹28.45 trn in Q3, deposits rise higher

HDFC Bank merged with its parent HDFC in July 2023, adding a significant pool of loans but a smaller volume of deposits

Bank of Maharashtra posts 20% loan growth in Q3, deposits rise 15.3%

The total credit also includes Rs 1.02 trillion corporate credit, while RAM (retail, agriculture, and MSME) advances of Rs 1.71 trillion during the quarter, it said

Bank employees' unions threaten to go on nationwide strike on Jan 27

If the strike materialises, it would have a significant impact primarily on the operations of public sector banks for three days in a row, as January 25 and 26 are holidays

Bandhan Bank loans grow 10% to ₹1.45 trn in Q3, deposits rise 11%

The bank had reported loans and advances worth ₹1,32,019 crore in the corresponding period of the previous fiscal

Banks see double-digit credit growth in Q3 FY26 on strong lending

Six banks reporting Q3 FY26 business updates recorded double-digit year-on-year growth in advances, while deposit growth also remained healthy across public and private lenders

NIM stabilisation, asset quality, disciplined growth key for banks in 2026

After a year of margin pressure and muted growth, banks head into 2026 expecting NIM stabilisation, benign asset quality and a gradual revival in credit, aided by rate cuts and foreign inflows

Treasury income under pressure for banks in Q3 as yields stay elevated

RBI repo rate cuts fail to ease yields across tenors

January 2026 bank holidays: Check state-wise closures in India this month

January 2025 holiday calendar, which includes a list of bank and national holidays, is now available. For final confirmation, it is recommended to cross-check with institutional and state calendars

Public sector banks' staff count rises for first time in five years

RBI data show public sector banks added staff in FY25 for the first time in five years, while private banks' headcount fell, led by a sharp drop at ICICI Bank

Bank NPAs at multi-decade lows as gross NPA ratio falls to 2.1%: RBI data

RBI's Trends and Progress report shows banks' asset quality improved, with gross NPAs down to 2.1% by September 2025 and net NPAs at 0.5%, aided by recoveries and provisioning

Bank fraud amount rises 30% to ₹21,515 crore in April-September H1FY26

Banking system fraud amount rose to ₹21,515 crore in April-September FY26, up 30 per cent year-on-year, even as the number of cases fell sharply to 5,092

$6 bn-plus foreign inflows make 2025 a watershed year for India's pvt banks

Cleaner balance sheets, regulatory support and strong growth prospects helped Indian private banks attract over $6 billion in foreign capital, with more deals expected in 2026

Bandhan Bank sells over ₹6,800 crore stressed assets to ARCIL, Phoenix

Bandhan Bank said it has sold stressed loan portfolios worth over Rs 6,800 crore to ARCIL and Phoenix ARC to reduce NPAs and refocus on core lending

Number of UCBs declines to 1,457 in FY25 as RBI consolidation continues

India's urban co-operative banks fell to 1,457 at end-March 2025 from 1,926 in 2004, as RBI consolidation continued via mergers, closures and licence cancellations

Banks 'resilient' but face stiff fund mobilisation competition: RBI report

RBI said banks remain resilient with low bad loans and strong capital, but credit growth outpacing deposits will keep resource mobilisation competitive, requiring strong governance and risk management

Nabard scraps ₹7,000 crore bond issue as short-end yields stay elevated

Nabard withdrew a planned ₹7,000 crore three-year bond issue after bids stayed elevated, signalling muted transmission of the RBI's recent rate cut and pressure at the short end