bank credit growth

Moody's Ratings has identified Indian banks as highly exposed to Middle East crisis risks due to the nation's significant energy import dependence. Sustained high oil prices could pressure inflation, interest rates, and borrower cash flows, impacting loan quality. Despite these challenges, Indian banks possess adequate capital and provisioning buffers to absorb potential credit losses.

In the financial landscape of Bihar, a remarkable milestone was reached as the credit-deposit ratio soared past 60.21% in FY 2025-26, reflecting vigorous economic growth and a surge in citizen confidence. This impressive jump from 44.09% in 2018-19 particularly supports vital areas such as agriculture and MSMEs.

AP Targets 1 crore entrepreneurs Under “One Family-One Entrepreneur” Initiative

India's market regulator is exploring ways to deepen the corporate bond market by potentially easing disclosure rules for debt-only firms. A pilot project on bond tokenisation will also be launched to boost settlement speed and transparency.

Principal Secretary PK Mishra cautioned financial systems against excessive speculation and market instability, emphasizing their connection to the real economy and citizens' lives. He highlighted India's digital public infrastructure, including the JAM trinity and UPI, as transformative forces for financial inclusion and credit access, particularly for underserved populations.

Bank of Baroda reported a record net profit of Rs 5,616 crore for Q4FY26, a 11.2% increase driven by higher net interest income and lower tax provisions. Full-year profit crossed Rs 20,000 crore. The bank raised its advances and deposit growth targets for FY27 after exceeding FY26 goals.

A new government fund to boost urban development faces challenges in smaller cities. Weak financial reporting and limited capacity in Tier II and III cities may hinder their ability to access market funding, a key requirement for the Urban Challenge Fund. This could slow down much-needed urban investments across India.

Kotak Securities maintains an add rating on PNB with a revised target of Rs 125, citing steady profitability despite weaker core earnings than peers. Jefferies reiterates a buy on Marico, raising its target to Rs 960, with management confident in strong EBITDA growth.

China's economic recovery is facing headwinds as factories slow and consumer spending falters, with April data revealing a significant slowdown. Weak domestic demand, coupled with a challenging global environment marked by geopolitical conflicts and rising energy costs, is squeezing growth. While exports remain strong, they are insufficient to offset internal weaknesses, prompting concerns about the need for further policy support.

State Bank of India saw a 5.8% profit jump to Rs 19,684 crore in Q4FY26, though margins tightened. Bank of Baroda achieved a record Rs 5,616 crore profit, while Bank of India's net profit climbed 18.7%. Despite credit growth, SBI's share dipped due to investor concerns about core income.

In an exclusive interview, Akasa Air CEO Vinay Dube clears the air on a range of issues including fleet expansion, the West Asia crisis, rising costs due to crude-oil related upheaval, availing Emergency Credit Line Guarantee Scheme of the government, and more

Despite global economic headwinds from Middle East turmoil, India's economy is projected for stable growth through FY26 and FY27, with SBI forecasting around 7.5% for FY26. Resilient domestic demand, strong credit expansion, and broad-based improvements in high-frequency indicators support this optimistic outlook, though external vulnerabilities like oil prices and currency movements remain key concerns.

Rupee depreciation is not new, what is new however is the rapid pace at which it is falling. It’s the biggest risk for India’s external sector resilience at the moment. In just over a year, the rupee has depreciated over 14%.

In a decade, India built the world’s largest population-scale real-time payments system. It changed not just banking, but behaviour itself

Bank credit surged in FY26, primarily fueled by services and retail sectors. Non-food credit saw a substantial Rs 29.2 lakh crore expansion, with lending to NBFCs, housing, and gold-backed loans leading the charge. Services and personal loans together formed over two-thirds of this growth, highlighting robust demand in these areas.

India's economy has faced significant challenges from global oil price surges over the past fifty years. From the 1973 Arab embargo to the recent Hormuz disruption, these shocks have impacted inflation and foreign exchange reserves. Policymakers have continuously adapted strategies to manage these crises, balancing economic stability with consumer needs.

GOI should let the economy adjust to new energy market realities, and raise pump prices. Lower domestic fuel consumption will also mean less dollar demand & help shore up the rupee

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