Credit Car
Loan growth, margin tailwinds to support HDFC, ICICI Bank in Q3
Seasonal marginal pressures on asset quality, particularly agriculture-linked products, may lead to a moderate rise in slippages for HDFC Bank and ICICI Bank.
3 min read16 Jan 2026Banks want deposits but end up giving more loans
A widening CD ratio is forcing banks to lean increasingly on market borrowings, liquidation of excess statutory liquidity ratio (SLR) holdings, and balance-sheet buffers to raise money for lending.
3 min read3 Jan 2026The State of Credit: Exploring opportunities, challenges, and the future of digital lending in India
Digital lending is reshaping credit access across India, with projected disbursements reaching ₹47.4 trillion by FY26. Mint's new anthology of the digital revolution in lending, 'The State of Credit', features insights from the country's top banking leaders.
4 min read14 Feb 2025Credit growth cools as banks come to terms with the new normal
A war for deposits among banks is finally giving way to a realisation that they may have to adjust to a shift in savings habits among customers in favour of higher-yielding investments.
5 min read1 Aug 2024