Credit Growth

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

Corporate lending to rebound as loan-bond rate gap narrows, RBI eases norms

Analysts expect banks' corporate credit to pick up as the bond-loan rate gap narrows and RBI reforms, including acquisition financing and eased exposure norms, begin to bite

Over 1 mn beneficiaries in J&K get credit worth ₹43,000 cr in H1 FY26

Over 10.07 lakh beneficiaries in Jammu and Kashmir received credit assistance during the first half of the financial year 2025-26, with banks disbursing loans worth over Rs 43,000 crore, an official said on Sunday. The information was given at the 17th meeting of the UT-Level Bankers' Committee (UTLBC) chaired by chief secretary Atal Dulloo here on Saturday to review the performance of banks and financial institutions in providing credit and other banking services during the first quarter and first half of the current financial year 202526, the official said. The official said the meeting was informed that the banks in J&K have disbursed credit of Rs 43,017 crore to 10.07 lakh beneficiaries during the first half of the current financial year 202526. Dulloo said despite the ups and downs caused by the Pahalgam terror attack followed by cross-border tensions and floods that engulfed J&K between April and September, lending to the priority sector has remained ...

Private banks may lose ground again in FY26 as credit growth lags

Analysts attribute the relative slowdown among private-sector banks partly to specific events, notably the merger between HDFC Bank and HDFC

Pvt credit emerges key growth driver for India's real estate: Knight Frank

Institutional investors include family offices and global private equity firms

SBI seeks govt-backed credit guarantee for risky new-age sectors: MD

Country's largest lender SBI is in talks with the government for having a credit guarantee scheme for risky, new-age sectors, its managing director Ashwini Kumar Tewari said on Monday. SBI also wants the inclusion of green finance in priority sector lending mandate, but the RBI and the government are averse to the idea because of the crowding-out effects on other aspects, Tewari said. Speaking at the CII Finance Summit here, Tewari said SBI will soon be inaugurating a centre of excellence that will help not just itself but the broader universe of financiers with aspects like drafting policies on lending, assessing and pricing of risk, etc. The CoE will focus on eight sectors, including electric vehicles, high-end solar technology, green hydrogen, green ammonia, batteries and data centre, he said. "We are telling the government to build in some guarantee schemes for the new age and riskier elements of the industry," he said, without elaborating on the specifics been sought. At pres

Banking system credit grows 11.3% in October 31 fortnight: RBI data

According to the data, banking system credit stood at Rs 193.9 trillion, while deposits stood at Rs 241.7 trillion during this period

Canara Bank expects GST reforms to give credit growth a leg-up in H2

Canara Bank expects credit momentum to continue in H2 of FY26, supported by GST rate cuts, robust rural lending, and higher retail demand even as it works to maintain profitability and asset quality

Are banks still seeing a seasonality factor in deposits and credit?

The popular view is that the second half of the year sees a bump in credit on account of the festive and wedding seasons. We examine if the data backs up this perception

Industry credit rises 7.3% in September as retail loan growth moderates

RBI data shows faster growth in credit to industry at 7.3 per cent in September 2025, led by engineering, infrastructure, and textiles, even as retail credit slows to 11.7 per cent

SBI's Setty discusses technology spending, talent retention and RBI reforms | BFSI Summit 2025

State Bank of India (SBI) Chairperson C S Setty on Wednesday said India’s overall credit growth remains strong.

Credit growth inches up to 11.4% in October 3 fortnight: RBI data

Data from the RBI show outstanding credit in the system stood at Rs 192.66 trillion, while deposits stood at Rs 240.98 trillion.

Relaxation of risk weights unlikely to spur growth in absence of demand

Banks in India are currently sitting on excess capital, with CET1 ratios around 14.7 per cent, well above the regulatory requirement of 8-9 per cent

'Tax structure exporting India's rupee credit market to foreign investors'

Real estate continues to be an attractive sector for investment

RBI unveils 22 measures to boost credit flow, ease home loan burden

Indian banks are now also allowed to fund acquisitions of non-financial entities and to finance land acquisition by special purpose vehicles, quelling a long standing demand of lenders

Retail credit growth moderates in August ahead of festival demand

RBI data shows retail credit growth slowed to 11.8% in August from 13.9% a year earlier, with housing, vehicles and credit card loans recording sharper moderation