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Share of term deposits below 7% jumps as banks reprice liabilities
Bank term deposits under 7% surged to 61.8% in FY26 due to 125 basis points of policy rate cuts. Depositors shifted to longer maturities, with one-to-three-year tenures rising to 69.8%. Term deposits now form 61.6% of overall deposits, a structural shift from savings accounts.
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economictimes.indiatimes.com
Deposit rates fall sharply by 30 bps in April as banks move to protect margins
Indian banks aggressively cut fresh deposit rates in April 2026 to protect margins, with the weighted average falling to 5.77%. Simultaneously, lending rates saw a slight…
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Share of term deposits below 7% jumps as banks reprice liabilities
Bank term deposits under 7% surged to 61.8% in FY26 due to 125 basis points of policy rate cuts. Depositors shifted to longer maturities, with one-to-three-year tenures rising to…
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Two out of every three bank loans in India carry interest rates below 9%
Indian banks are witnessing a significant shift as nearly two-thirds of credit now carries sub-9% interest rates, a consequence of aggressive RBI rate cuts. This trend, while…
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thehindubusinessline.com
Structural shift in bank deposits sees decline in savings deposits share and increase in term deposits
RBI data reveals a shift in bank deposits, with savings deposits declining and term deposits increasing significantly from 2022 to 2026.
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Nearly two-thirds of bank loans now priced below 9% as rate cuts bite
Indian banks are offering more loans at lower interest rates. Almost two-thirds of all bank credit now has rates below 9%. This shift follows a year of aggressive rate cuts. While…