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India Inc is returning to banks for money, but retail borrowers aren’t keeping pace

Indias largest private banks are witnessing a shift in credit demand, with corporate and SME lending driving loan growth while retail borrowing remains subdued. Stronger working capital demand, refinancing and business banking boosted advances, but slower consumer credit growth and weaker CASA ratios continue to weigh on banks funding mix and margins.

Raccontata daeconomictimes.indiatimes.com

Timeline cronologica

  1. domenica 19 luglio 2026·economictimes.indiatimes.com

    HDFC Bank logs 5% rise in profit on margin pressure

    HDFC Bank announced a notable five percent rise in profits for the June quarter, showcasing a robust growth in net interest income. Despite facing margin pressures that led to a…

  2. domenica 19 luglio 2026·economictimes.indiatimes.com

    India’s private lenders bet on corporate loan revival for growth

    Indian banks report robust loan growth driven by corporate demand. Companies are shifting from expensive bond markets to cheaper bank borrowings. This trend is expected to…

  3. lunedì 20 luglio 2026·economictimes.indiatimes.com

    India Inc is returning to banks for money, but retail borrowers aren’t keeping pace

    Indias largest private banks are witnessing a shift in credit demand, with corporate and SME lending driving loan growth while retail borrowing remains subdued. Stronger working…

  4. lunedì 20 luglio 2026·economictimes.indiatimes.com

    Corporate loan growth outpaces retail advances at top private banks

    Corporate lending at top Indian private banks surged significantly in the June quarter. This corporate loan growth far outpaced retail credit expansion, reaching 26% on average.…

  5. martedì 21 luglio 2026·economictimes.indiatimes.com

    India's private banks draw thinner margins on tepid credit growth

    Top private sector banks reported weaker net interest margins (NIMs) in the June quarter as sluggish retail loan demand pushed them towards lower-yielding corporate loans. HDFC…