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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 fueling robust credit growth across sectors, is pressuring banks' net interest margins. The household sector continues to drive borrowing, with personal loans seeing a notable moderation.
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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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timesofindia.indiatimes.com
Share of business in bank credit rises in FY26, deposits up
MUMBAI: Personal loan growth moderated to 12.9% as of end-March 2026 and fell below overall credit growth after outpacing it for several years. However, its share in total credit…
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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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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…