Bank Credit

Short-term rates to stay firm as credit demand, funding needs rise: Ind-Ra

Ind-Ra sees rising corporate funding needs supporting bank lending and money-market activity, while lower-rated NBFCs could face wider credit spreads

Industry credit growth accelerates to 20% in July; gold loans moderate

Industrial credit growth accelerated from 6.5 per cent a year earlier, while loans against gold jewellery grew 88.1 per cent, down from 136.4 per cent

Bank deposits shrink as lenders cut high-cost bulk funds amid FCNR inflows

Aggregate deposits decline by ₹6,534 crore and bank credit by ₹70,639 crore in the fortnight ended August 15; credit-deposit ratio moderates to 81.72 per cent

Ind-Ra raises FY27 credit growth forecast to 15%, flags margin pressure

Deposit growth is projected at 13.6 per cent, aided by FCNR(B) inflows, while higher credit costs and compressed spreads are expected to weigh on bank profitability

Best of BS Opinion: Sustainable strategy needed for sugar and ethanol

Today's Best of BS Opinion examines rising sugar prices, AI-led credit assessment, global trade dualism, mounting US fiscal risks and China's reshaping of collective memory.

Use AI to reach credit invisibles: RBI DG Shirish Chandra Murmu to banks

Share of fresh businesses entering formal credit system fell to 42 per cent in FY26 from 52 per cent in FY23 even as outstanding commercial credit grew 14 per cent

Banks alone can't fund Viksit Bharat; bond market must step up: Crisil

Crisil says India's debt capital market must deepen to support the Viksit Bharat vision, with India Inc expected to require Rs 130-140 trillion in debt funding over FY27-31

Bank credit growth hits two-year high of 18.6% in June-end fortnight

Deposits rise by nearly Rs 7 trillion in the fortnight, third highest in 29 years

Bank credit to NBFCs jumps 34% in May, lifts services sector lending growth

Bank lending to NBFCs surged 33.7 per cent year-on-year in May, helping drive services sector credit growth, while industry, retail and agriculture lending also remained strong

Bank credit outpaced non-bank funding to commercial sector: RBI data

Non-food bank credit rose 17.4 per cent year-on-year in May, outpacing growth in non-bank funding and lifting total credit to the commercial sector

May bank credit grows over 17%, ninth straight month of double-digit growth

Bank credit grew 17.44 per cent year-on-year in May, marking the ninth consecutive month of double-digit expansion, reflecting sustained demand for loans from both retail and corporate borrowers, according to the latest Reserve Bank data. On May 15, credit growth was seen at 16.06 per cent, indicating a sharp pickup by month-end. Since January 31 this year, credit growth has stayed above 13 per cent and ranged between 14 and 17 per cent thereafter. The uptrend became more pronounced from September 2025 onward, when growth accelerated to 10.21 per cent and 10.29 per cent in successive fortnights, and remained firmly in double-digit territory thereafter. On September 3 last year, the GST Council approved a simplified two-tier tax structure of 5 per cent and 18 per cent, a move seen as improving compliance clarity and business sentiment. October and November consolidated the recovery, with lending growth moving past 11 per cent and hovering in the 11-11.4 per cent range, supported by

RBI monetary policy: The critical need to attract foreign savings

Rising fuel prices and tighter global conditions are reshaping India's funding landscape, increasing reliance on bank credit as foreign and domestic savings slow

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