Topic
loan growth
Banking #loan growth#deposits
Loan Growth Quickens in Q1 as Deposit Gap Widens, Pressuring Bank Margins
Indian banks reported elevated credit growth in Q1 FY27, with some lenders posting advances growth double the system rate. However, deposit growth remained sluggish, widening the credit-deposit gap to 5.4% and pushing the loan-to-deposit ratio to 82.7%, the highest in over a decade. Public sector banks are losing deposit market share, while private banks tactically shed high-cost bulk deposits.
Jul 3, 2026 1 source
Banking #gold loans#personal loans
Gold Loans Surge 105.5% as Services Credit Outpaces Personal Loan Growth in India
Gold loans in India grew 105.5% year-on-year to Rs 5.1 lakh crore as of May 2026, driving their share within personal loans to 7.3%. Meanwhile, services credit expanded 20.4%, led by a 33.7% surge in NBFC lending, surpassing personal loan growth of 15.4% and reducing the share of personal loans in total bank credit to 32.6%.
Jul 1, 2026 1 source