Reserve Bank of India (RBI) has stated in a latest monthly update that bank credit recorded a robust growth during H2; 2025-26, owing to monetary policy easing and strong economic activity. Growth in bank credit of scheduled commercial banks accelerated to 13.8 per cent (y-o-y) as on March 15, 2026 from 11.0 per cent a year ago. Across bank groups, credit growth of foreign banks remained the highest at 14.7 per cent (y-o-y), followed by public sector banks and private banks. As on March 15, 2026, public sector banks accounted for the largest share of incremental credit (y-o-y). However, credit growth has accelerated for private banks in recent months leading to improvement in their share in incremental credit.
Bank credit recorded robust growth during H2FY26
April 23, 2026 · 6:31 pm IST
Source: Business Standard
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Key Takeaways
- Growth in bank credit of scheduled commercial banks accelerated to 13.8 per cent (y-o-y) as on March 15, 2026 from 11.0 per cent a year ago.
- Across bank groups, credit growth of foreign banks remained the highest at 14.7 per cent (y-o-y), followed by public sector banks and private banks.
- Reserve Bank of India (RBI) has stated in a latest monthly update that bank credit recorded a robust growth during H2; 2025-26, owing to monetary policy easing and strong economic activity.
- As on March 15, 2026, public sector banks accounted for the largest share of incremental credit (y-o-y).
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Originally reported by Business Standard.
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Monetary policy shifts ripple into IPO valuations through discount rates and liquidity. Use our IPO evaluation framework to factor rate changes into any upcoming issue.
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Higher rates increase the discount rate used in DCF valuations, typically compressing IPO valuations. Banking and NBFC IPOs benefit from rate cycles in different ways than tech or consumer.
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Banking, NBFC, housing finance, and real estate are the most rate-sensitive. Consumer staples and utilities are relatively insulated.
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