| Category | Details |
|---|---|
| Credit Growth (YoY) | 11.3% (slowed from previous months) |
| Deposit Growth (YoY) | 9.7% (accelerated compared to past trends) |
| Total Bank Credit | ₹193.9 lakh crore (as of October 31, 2025) |
| Total Bank Deposits | ₹241.7 lakh crore (showing strong inflows) |
| Key Trend | Credit growth slowing, deposit growth rising |
| Major Sectors Affected | Industry, MSMEs, NBFCs, retail loans |
| Concerns | Narrowing credit-deposit ratio, liquidity surplus, pressure on NIMs |
| Possible Implications | Increased investment in low-yield assets, focus on retail/MSME lending |
| Macro Factors | Inflationary pressures, cautious spending, global financial uncertainty |
| Banking Reforms Impact | Tighter credit norms, reduced aggressive loan disbursement |
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