Credit Growth

Govt plans ₹2.5 trn credit guarantee scheme for businesses hit by Iran war

The guarantee on bank loans would be provided by the National Credit Guarantee Trustee Company (NCGTC), a wholly-owned subsidiary of the government

RBI retains credit default swap cap at 5%, sets ₹3.3 trn limit for FY27

Central bank keeps CDS cap unchanged and raises FPI debt limits in line with expanding securities stock, while aligning VRR investments with general route norms

UCO Bank sees 19% credit growth, total business at ₹5.89 trn in Q4

State-owned UCO Bank on Monday reported a 19 per cent credit growth at Rs 2.62 lakh crore in the January-March quarter of FY26. Total advances were at Rs 2.20 lakh crore in the year-ago quarter that ended in March 2025, UCO Bank said in a regulatory filing. The Kolkata-based lender reported an 11 per cent rise in total deposits at Rs 3.27 lakh crore during the reporting quarter, as against Rs 2.94 lakh crore registered at the end of the fourth quarter of the preceding financial year. During the period under review, low-cost CASA deposits improved to 38.48 per cent as compared to 37.91 per cent of total deposits in the fourth quarter of the preceding financial year, it said. The bank's total business (advances and deposits) increased by 15 per cent to Rs 5.89 lakh crore from Rs 5.14 lakh crore at the end of March 2025. The government holds 90.95 per cent equity shares in the bank as of March 31, 2026.

Iran war may cap loan growth at 10-12%: Ambit; likes HDFC Bank, ICICI Bank

Analysts at Ambit Capital expect Iran war to slow bank credit growth to 10-12 per cent in bear case scenario, pressure margins, and cap liquidity. It prefers private bank stocks like HDFC & ICICI Bank

Bank margins to stay under pressure; recovery seen from FY27: Ambit

Deposit competition, liquidity pressures and shifting household savings are weighing on bank margins, with a meaningful recovery expected only from the first half of FY27

Mid, small sized private banks' credit growth outpace deposit in FY26

Advances at select mid- and small-sized private banks grew faster than deposits in FY26, reflecting tighter funding conditions across the sector

India's hidden credit constraints: Issue lies in pricing, regulation

Data from the Reserve Bank of India (RBI), the Securities and Exchange Board of India (Sebi), and the World Bank suggests that India is a global outlier in the relative size of our credit markets

Bank CD ratio stays at record 82.5% as credit growth outpaces deposits

India's credit-deposit ratio remained at a record 82.5% for the fourth consecutive fortnight ended February 15, 2026, as credit growth continued to outpace deposit growth across the banking system

RBI draft mandates 60% C/D ratio for rural and semi-urban branches

Prioritise opening CBS-enabled branches in tier-5 centres

Banks issue over ₹1 trillion worth of CDs in February as rates soften

Banks raise over Rs 1 trillion via certificates of deposit in early February as short-term rates ease amid surplus liquidity and rising credit demand

Union Budget 2026-27: Big push for SMEs with ₹10,000 crore growth fund

Budget FY27 proposes a Rs 10,000-crore SME Growth Fund, mandatory TReDS adoption for CPSEs, and expanded credit guarantees to improve equity access, liquidity, and payment discipline for MSMEs

SBI will double its balance sheet in 6-7 years: SBI chairman CS Setty

There is greater confidence among banks to lend to MSMEs because of data availability, and clarity in terms of their business models, says Setty

India's credit growth to be 10-12% CAGR over next 5 yrs: Brickwork Ratings

India's credit growth is expected to clock 10-12% CAGR over the next five years, led by retail, MSMEs and services, outpacing deposit growth, says Brickwork Ratings

Banks raise Rs 89.5k crore via CDs in December fortnight, rates surge

Banks raised Rs 88,512 crore through certificates of deposit in the last fortnight of December as deposit growth lagged credit growth, pushing short-term borrowing rates above 7 per cent

Non-bank sources along with banks aiding credit pickup: RBI report

High-frequency indicators for December suggest continued buoyancy in growth impulses

RBI bars resident Indians from issuing credit guarantees to NRIs

Resident creditors can obtain guarantees, but where both the principal debtor and the surety are non-residents, the underlying transaction must comply with foreign exchange regulations

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

Bank of Maharashtra (BoM) on Monday said it has registered a total credit growth of 19.61 per cent to Rs 2.73 lakh crore in the October-December quarter. The outstanding credit was Rs 2.29 lakh crore at the end of the third quarter of the previous fiscal year, the BoM said in a regulatory filing. The total credit also includes Rs 1.02 lakh crore corporate credit, while RAM (retail, agriculture, and MSME) advances of Rs 1.71 lakh crore during the quarter, it said. The Pune-headquartered public sector lender reported a 15.3 per cent increase in total deposits to Rs 3.22 lakh crore in the reporting quarter against Rs 2.79 lakh crore at the end of the third quarter of the previous financial year. As a result, the total business (total credit and deposits) of the bank registered an increase of 17.24 per cent to Rs 5.95 lakh crore compared with Rs 5.08 lakh crore at the end of December 31, 2024. During the latest quarter, it said, the Current Accounts and Savings Accounts (CASA) ratio r

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

India enters 2026: From the snake's caution to the horse's momentum

With liquidity easing, valuations normalising and earnings turning upward, India enters 2026 primed for selective outperformance - led by banks, consumption and smallcaps

Credit growth nears 12% as deposit growth slows to 9.35% till Dec 15

Credit growth remained strong till December 15, while deposit growth weakened further, widening the credit-deposit gap and underscoring persistent liquidity tightness in the banking system