Bank Credit

NBFCs return to banks for loans as bond yields stay elevated

Bank credit to NBFCs rises sharply as shadow lenders shift funding sources amid high bond yields, supported by regulatory easing and improved banking liquidity

Bank credit growth slows to 14.88% in first half of April: RBI data

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

Bank credit grows by 15% in April 15 fortnight, shows RBI data

In the fortnight, credit contracted by 2.1 per cent or Rs 4.39 trillion, while deposits contracted by 2.2 per cent YoY or Rs 5.81 trillion

Credit growth to slip below 12% in FY27 amid global uncertainties: Icra

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

Bank credit, deposit growth at 16.08% in FY26, fastest since FY24

Bank credit expanded at the fastest pace since FY24, driven by corporate and MSME demand, while deposit growth lagged, widening the gap in the banking system

MSME, retail demand to drive bank credit growth by 13% in FY27: Crisil

Newer options such as acquisition financing, now allowed for banks by the RBI, should also support credit growth

Banks' gold loan portfolio surges 128% in February, shows RBI data

Gold loans drive retail credit growth, with bank lending against jewellery doubling year-on-year in February, sharply outpacing overall retail loan expansion

Bank credit growth slows to 13.8% in March 15 fortnight, deposits rise

Bank credit growth eased to 13.8 per cent in the March 15 fortnight, while deposit growth improved to 10.8 per cent, reflecting tax outflows and seasonal lending trends

Gold loan share in bank retail credit doubles to 6% in a year: RBI data

Additionally, the share of gold loans in overall retail loans of banks has now doubled to 6 per cent (January 2026), from 3 per cent as of January 2025

Non-food credit growth accelerates to 14.4% Y-o-Y in Dec 2025: RBI data

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 moderates to 13%; deposit growth eases to 10.6%

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

Bank credit to grow 13% in FY27 despite high LDR constraints: Ind-Ra

India Ratings expects bank credit to grow 13 per cent in FY27, supported by GST rationalisation, lower inflation and improved consumption, though high loan-deposit ratios remain a challenge

Bank credit to improve to 11.5-12.5% in FY26, says CareEdge Ratings

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

Lending slowdown: Bank loans contract after 3 months, shows RBI data

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

Statsguru: Infrastructure financing banks on NBFCs amid lending shift

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

India Inc. looks past banks for credit, turn to bonds and commercial papers

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

Non-bank funding rose as bank credit slowed in FY25: RBI Bulletin

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

Corporate credit growth to revive in H2 FY26, says Crisil Ratings

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%

Bank credit raised by India Inc drops to 22% in Q1FY26, shows data

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

Loan growth dips in farm, services; MSMEs see sharp rise in June

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