Credit Growth
Budget 2026: Manufacturing boost, higher divestment, no tax stimulus — ICICI Securities lists what to expect this year
ICICI Securities analysts Vinod Kakri and Bhavesh Talreja said that after surprising last year on tax stimulus and GST cut later in the year, the Union Budget for FY27 is likely to limit spending and instead focus on developmental areas, like manufacturing and infrastructure.
2 min read13 Jan 2026Tight liquidity, deposit struggle pushes SBI to raise ₹6,000 cr via CDs at 6%
SBI’s rare move to raise ₹6,000 crore via certificates of deposit underscores tight liquidity and deposit stress, even as credit demand remains strong across the banking system.
3 min read8 Jan 2026Banks head into Q3 earnings with strong loan growth—but deposits, liquidity in focus
Credit momentum and stable asset quality are expected to support results in the December quarter, even as elevated loan-to-deposit ratios and weak deposit growth emerge as key pressure points.
4 min read5 Jan 2026Why a PSU bank wants to start raising bets on corporate loans
Despite margin pressures and a legacy focus on retail, agriculture, MSME, the PSU bank is using fee waivers and new sector-specific strategies to reclaim market share while preparing for the April 2027 expected credit loss transition.
4 min read28 Dec 2025India needs more credit to become a developed nation by 2047
India must significantly expand the reach of credit—specifically aiming for a 60-65% Credit-to-GDP ratio—to achieve its target of becoming a developed nation by 2047, according to banking leaders at the Mint Conclave.
3 min read15 Dec 2025Heartburn at lenders as loan rates fall but deposit rates don't
Floating-rate loans are repriced immediately, while deposit rates are fixed, squeezing margins, public sector bank chiefs told RBI officials ahead of the 5 December policy outcome.
4 min read3 Dec 2025After a year’s pause, AT-1 bonds make a comeback with Canara Bank
Canara Bank’s ₹3,500 crore AT-1 issue is set to reopen the perpetual bond market, prompting other state-run lenders to prepare their own capital raises.
4 min read1 Dec 2025Bajaj Finance slashes FY26 loan growth guidance to 22-23% as MSME portfolio strain triggers 'risk-first' shift
Non-bank lender Bajaj Finance has lowered its credit growth guidance for FY26, citing emerging asset quality stress primarily in its Micro, Small, and Medium Enterprises and two-wheeler loan portfolios.
3 min read10 Nov 2025Car and two-wheeler loans surge after GST cuts, truck financing lags
In September, India's banking industry saw a vehicle loan growth of 7.3%, nearly half of the 14% expansion seen in the same month a year ago, according to RBI data. However, bankers suggest strong growth momentum in vehicle loans October onwards, following a major GST overhaul.
6 min read6 Nov 2025Tax cuts, rate cuts, and a consumption boom: SBI dials up credit growth outlook
After a historic GST reform, a series of rate cuts, and multiple measures to smooth credit flow, SBI bets credit growth this year will be better than what it predicted as recently as August.
5 min read4 Nov 2025Wait for it…
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