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Bank credit rises over 7 per cent in FY26 led by retail lending
The Statesman
|January 07, 2026
Bank credit growth in India remained resilient, as gross banking credit (GBC) rose 7 percent to Rs 195,272 billion in eight months of FY26 till November end, driven mainly by retail loans, a report said on Tuesday.
The report from Crisil Intelligence said secured retail lending ~ notably housing and gold loans ~ accounted for a larger share of incremental credit. It said retail credit accounted for about one-third of gross banking credit.
Unsecured loan growth moderated after the Reserve Bank of India’s risk weight circularand tighter underwriting practices, it said.
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