bank credit growth

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.

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.

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

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.

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.

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.

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.

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.

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.

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.

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.

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

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%.

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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PM Modi has called on citizens to adopt measures aimed at conserving foreign exchange, as the surge in oil prices triggered by the Iran conflict has intensified pressure on the rupee and strained India’s foreign exchange reserves.

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