रिटेल और MSME lending से बैंकिंग सेक्टर में उछाल — Q2 FY26 में 11.3% की Credit Growth दर्ज

New Delhi, 
India ke Scheduled Commercial Banks (SCBs) ne Q2 FY26 mein 11.3% YoY growth record ki — jo mainly retail aur MSME lending ke momentum se driven thi, according to a report by CareEdge Ratings.

📊 Public vs Private Sector Performance:

• Public Sector Banks (PSBs) ne 14.5% YoY growth dikhayi in advances.

• Private Banks ne comparatively moderate 9.4% growth record ki.

💰 Deposits Trend:
Deposits bhi strong rahe —

• PSBs: ↑11%

• Private Banks: ↑10%
  CASA ratio girkar 37.4% par aaya (vs 38.5% last year), kyunki term deposits ~12% tak badh gaye.

📈 Operational Highlights:
Banks ne Q2 mein steady performance dikhayi, with mild NIM pressure, supported by:

• Festive season-driven auto demand 🚗

• GST rate cuts

• Elevated bond yields
  Isse Credit-Deposit (CD) ratio 85.2% tak pahunch gaya.

🏦 Rates & Margins:

• Weighted Average Lending Rate (WALR): 9.32%

• Average Yield: 8.80%
  Iska matlab hai ki lending rate cuts ka transmission deposits ke comparison mein faster hua.

📉 Net Interest Margin (NIM):
SCBs ka NIM 21 bps girkar 3.13% ho gaya YoY basis par.
CareEdge ne kaha — margin pressure mainly aaya due to faster lending rate transmission aur slower deposit repricing.

🔮 Outlook:
Q3 FY26 mein loan demand aur strong rehne ki ummeed hai, thanks to:

• Festive spending 🛍️

• GST benefits

• Credit card aur consumer durable-linked products ke uptick