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ICRA ups FY26 credit growth on demand, liquidity
The Business Guardian
|November 13, 2025
Rating agency ICRA has revised upwards its projection of credit expansion in India for 2025-26 from its previous estimate, noting that improved demand post the recent Goods and Services Tax (GST) rationalisation, and liquidity boosts via the cash reserve ratio (CRR) cuts would support offtake.
The rating agency has raised its credit offtake projection to Rs 19.5-21.0 trillion from its earlier estimate of Rs 19.0-20.5 trillion. While raising the projection, the rating agency has asserted that, although banks remain cautious in lending to non-banking financial companies (NBFCs) and corporate demand has yet to show any meaningful revival, growth is expected to be driven by the retail and micro, small, and medium enterprise (MSME) segments.
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