Retail Loan Growth

Bajaj Finance Q2 net profit rises 29% to ₹6,367 crore on strong NII growth

The NBFC reported 24% growth in net interest income and a 26% rise in assets under management to Rs 5.85 trillion, while loan losses and provisions increased 4% year-on-year

South Indian Bank aims 16% loan growth in FY27 amid West Asia war risks

Private sector lender South Indian Bank is aiming for a 15-16 per cent credit growth in FY27, driven by the retail, agriculture and MSME (RAM) advances, a top official said on Friday. The RAM advances, which constitute 61 per cent of the book, are targeted to grow at a higher level of 17-18 per cent by the bank. "Our festive-season growth strategy is focused on the RAM segment, particularly retail lending and gold loans. I expect South Indian Bank's overall advances to grow by around 15-16 per cent, with the RAM segment growing slightly faster, at around 17-18 per cent," said Mahesh Muralidhar Pai, managing director and chief executive officer of South Indian Bank, in an interaction with PTI. In the latest July-September quarter, the bank's gross advances increased by 18.67 per cent year-on-year to Rs 1,09,517 crore, up from Rs 92,286 crore in the year-ago period. Pai said the projection is "cautious" because the ongoing conflict in the Middle East is a key risk. "If the war conti

L&T Finance cautious on rural loans amid weather risks, eyes urban growth

The NBFC expects loan-book growth of over 20 per cent in H2FY27, driven by urban finance and festive demand, while monitoring crop output, rural liquidity and weather-related risks

Weak monsoon raises rural credit risks; cash flow stress likely: ICRA

AM Karthik of ICRA Ltd said that NBFCs slow down disbursements, tighten their credit norms and prioritise collections and loan quality over loan growth when macroeconomic headwinds intensify.

Healthy asset growth, stronger return ratios seen for L&T Finance ahead

L&T Finance posted a strong Q1FY27 with robust loan growth and improving asset quality, while analysts expect healthy profitability and return ratios over the next few years

PSU banks' loan growth outpaces deposits in first quarter of FY27

Public sector banks started the first quarter of FY27 on a strong footing, reporting double-digit growth in advances, but deposit mobilisation seemed to be trailing the jump in loans. Retail loans remained the key growth engine even as low-cost CASA deposits stayed under pressure. Provisional business disclosures, compiled by PTI, by nine of the 12 state-owned lenders for the quarter ended June 30, showed loan growth ranging from around 12 per cent to nearly 29 per cent year-on-year compared to deposit growth of 3.5-16 per cent, reflecting sustained credit demand despite a slower pace of liability mobilisation. Among the major lenders, Bank of Baroda reported a 17.4 per cent year-on-year rise in global advances against a 13.8 per cent increase in deposits, while Bank of India posted 18.64 per cent loan growth and a 14.92 per cent rise in deposits. Punjab National Bank's advances grew 12.85 per cent year-on-year compared to an 8.5 per cent increase in deposits. Canara Bank reported

BoB's floating provision of ₹1,500 cr 'a balance sheet-boosting measure'

Bank of Baroda expects strong loan growth in FY27, supported by retail and MSME demand despite geopolitical uncertainties

Fresh loan yields diverge across PSU and private banks, says report

Meanwhile, yields on outstanding loans declined by 4 bps in February, with state-owned banks' yields easing by 1 bp and private sector banks seeing a sharper 6 bps decline

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.

HDFC Bank posts 2.7% loan growth to ₹28.45 trn in Q3, deposits rise higher

HDFC Bank merged with its parent HDFC in July 2023, adding a significant pool of loans but a smaller volume of deposits

Bajaj Finance to Muthoot Finance: NBFCs outpace banks once again

Retail NBFCs like Bajaj Finance, Muthoot and Shriram Finance are expanding faster than banks, led by strong demand in gold loans, vehicles and housing finance, analysts say

Corporate loan growth to hit double digit, ₹7 trn credit in pipeline: SBI

With the pick-up in economic activity, State Bank of India (SBI) is seeing a clear revival in corporate credit demand and expects the segment to hit double-digit growth over the remaining two quarters of the current financial year, the bank's Chairman C S Setty said. As far as the pipeline for corporate credit is concerned, he said, "The bank has a strong pipeline. We have about Rs 7 lakh crore loan sanctions, a mix of unutilised working capital limits and term loans that are currently under disbursement." Besides, includes several project loans that are presently under discussion, he told PTI in an interview. So, the corporate credit, which was lagging for quite some time, witnessed a turnaround with 7.1 per cent growth in Q2, he said, adding, "Our guidance on the corporate credit would be the lower double digit in the two quarters with the available pipeline". Improving economic activity is also pushing up working capital utilisation, which is becoming stronger with each passing

Muthoot Finance revises FY26 gold loan growth projection upward

In Q2FY26, Muthoot Finance's consolidated loan AUM increased by 42 percent from last year to Rs 1.47 trillion, while its gold Loan AUM increased by 45 percent from the year-ago quarter to Rs 1.24 trn

Non-bank lenders' home loan growth will slow down in FY26: Report

Non-bank lenders' home loan growth will slow down in FY26 owing to aggressive play by state-run banks in the market, a report said on Wednesday. Non-bank lenders' assets under management are likely to grow by 12-13 per cent, down from 14 per cent in the preceding fiscal, despite a slew of tailwinds, the report by Crisil said. The challenges faced by non-bank lenders include "intense competition" from banks, which continue to dominate the prime home loan segment, it added. "Public sector banks have upped the ante and surpassed prime-focused housing finance companies (HFCs) last fiscal and in the first half of this fiscal," the agency's director Subha Sri Narayanan said. Narayanan said competition in pricing is evident from the strong growth in lower-interest-rate home loans of banks, as the share of the sub-9 per cent interest rate portfolio increased to over 60 per cent as of March 31, 2025, from 45 per cent last year. "Many large HFCs are facing increased customer churn through .

Lower growth guidance and MSME loan stress weigh on Bajaj Finance

Stress in consumer loans may be reducing as collections are improving in the rural B2C segment

NBFCs' two-wheeler loan portfolio to grow 18-19% in FY26: CareEdge

GST cut and improved rural demand to support growth; lenders adopt cautious stance amid rising asset quality stress in the two-wheeler loan segment

US tariffs jolt bank stocks; Are HDFC Bank, ICICI, IndusInd Bank at risk?

Bank stocks extended losses as Nifty Bank index slipped 7% from its July peak. Analysts flag US tariff risks may hit HDFC Bank, IndusInd Bankm City Union Bank, Federal Bank

New IRDAI chairman, private banks' retail loan growth, hiring at major commercial banks & more

The Centre has appointed Ajay Seth, recently retired finance secretary, as the new chairman of the Insurance Regulatory and Development Authority of India, 4 months after the position was left vacant.

New investor should have a say in Yes Bank CEO succession plan: MD & CEO

Our commercial banking portfolio has grown well, says Prashant Kumar

Retail loan growth sluggish for private banks in Q1, festive demand eyed

Five private-sector lenders, including the top three, reported single-digit growth in their retail loan books, dragging down overall loan growth during the quarter