Bank Credit Growth

In a first, commercial banks' credit-deposit ratio breaches 80% mark

Another rate cut will make mobilising resources tough

ICRA raises FY26 bank credit growth forecast on GST-led demand uptick

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%

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

Large pvt banks see green shoots, expect credit demand revival in H2FY26

Attribute this to fiscal, monetary measures

Bank of Maharashtra logs 16.8% credit growth at ₹2.54 trillion in Q2

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.

SBI regains ₹8 trillion m-cap; stock up 5% in 1 week; nears 52-week high

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

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%

Banks' loan offtake gains pace at end of first quarter, shows data

Bank credit growth slowed further to 9.5% YoY in the fortnight ending June 27, with deposits growing at 10.1%, outpacing credit growth, data showed.

Banks flush with funds but reluctant to pursue aggressive lending

Loan growth for banks is yet to pick up despite a 100 bps cut in the policy repo rate by the Reserve Bank of India (RBI) since February

Credit growth may remain subdued despite 100 bps policy repo rate cut

Banks maintain credit growth guidance at 11-13 per cent and await CRR reduction and festival season before revising projections

Karur Vysya Bank expects 2% more credit growth than industry in FY26

Private sector Karur Vysya Bank expects its credit growth to be more than 2 per cent over the industry's overall growth during the current financial year, a top official said. The Tamil Nadu-based bank has lined up plans to open 28 new branches before the first half of the current financial year, particularly in Southern and Western parts of the country, the Bank's Managing Director and CEO, Ramesh Babu, said. The financial landscape is witnessing a dramatic transformation globally as well as in India, driven by technological innovations, changing consumer preferences and the emergence of alternative business models, he said. "The Reserve Bank of India is expected to adopt a more accommodative monetary policy stance. This could involve further rate cuts to stimulate domestic demand and support economic growth. The sudden escalation at the border has also added more uncertainties for the coming year," Babu told analysts recently, during the Q4 FY2025 Earnings Conference ...

State-run banks cautious; target modest 11-13% credit growth in FY26

Bankers said credit growth is expected to be sluggish in FY26 owing to weaker demand across unsecured loans, mortgages

Bank credit growth slows down further to 10.3%, shows RBI data

Loan growth for commercial banks dipped to 10.3 per cent in the fortnight ended April 18, while deposit growth inched up slightly to 10.2 per cent, RBI data shows

Bank credit in India likely to grow at 12-13% in FY26: CRISIL Ratings

Tax sops, softer interest rates to support loan offtake

Credit growth moderates in personal loan segment in Dec: RBI data

Bank credit to personal loan segment moderated to 14.9 per cent year-on-year in December, largely due to decline in growth in 'other personal loans', 'vehicle loans' and 'credit card outstanding', according to Reserve Bank data released on Friday. The RBI has released data on sectoral deployment of bank credit for December 2024 collected from 41 select commercial banks, accounting for about 95 per cent of the total non-food credit deployed by all commercial banks. On a year-on-year (y-o-y) basis, growth in non-food bank credit as on the fortnight ended December 27, 2024 moderated to 12.4 per cent as compared to 15.8 per cent for the corresponding fortnight of the previous year. According to the data, bank credit to agriculture and allied activities registered a growth of 12.5 per cent (y-o-y) as on the fortnight ended December 27, 2024 (19.4 per cent for the corresponding fortnight of the previous year). Further, credit growth to industry remained almost flat at 7.4 per cent ...

Credit grows at 10.6% and deposits at 10.7% in November 29 fortnight

Data shows outstanding deposits in the fortnight ending November 29 stood at Rs 220.17 trillion, while outstanding credit stood at Rs 175.09 trillion

Banks' credit to industry grows by 8% in Oct against 4.8% last yr: RBI data

Banks' credit to industry grew by 8 per cent in October 2024 compared to 4.8 per cent in the year-ago period, according to the RBI data released on Friday. The Reserve Bank data also showed that credit to agriculture and allied activities registered a growth of 15.5 per cent year-on-year (y-o-y) in October 2024, compared to 17.4 per cent seen in the same month of last year. Among major industries, credit to 'chemicals and chemical products', 'petroleum, coal products and nuclear fuels', and 'all engineering' recorded a higher growth in October 2024 as compared to their respective growth rates a year ago. Personal loans growth decelerated to 15.8 per cent (y-o-y) in October as compared to 18 per cent recorded a year ago, largely due to decline in growth in 'other personal loans', 'vehicle loans' and 'credit card outstanding'. However, 'housing' -- the largest constituent of personal loans segment -- recorded an accelerated growth on year. RBI further said credit growth to services

Deposit growth equals credit in November 1 fortnight, shows RBI data

Credit growth has exceeded deposit growth since the fortnight ended March 25, 2022, leading to a widening gap that reached as much as 700 basis points

Services, retail credit growth moderate in Aug on drop in credit to NBFCs

Credit to NBFCs grew by 11.9 per cent Y-o-Y in August 2024, down sharply from 21.3 per cent a year ago. Credit to trade declined to 15.5 per cent from 17.4 per cent in August 2023

Banks' deposit growth dips to 10.6%; credit growth at 13.9% as on June 28

Credit up by 13.9% Y-o-Y as on Jun 28