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:
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Public Sector Banks (PSBs) ne 14.5% YoY growth dikhayi in advances.
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Private Banks ne comparatively moderate 9.4% growth record ki.
💰 Deposits Trend:
Deposits bhi strong rahe —
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PSBs: ↑11%
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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:
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Festive season-driven auto demand 🚗
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GST rate cuts
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Elevated bond yields
Isse Credit-Deposit (CD) ratio 85.2% tak pahunch gaya.
🏦 Rates & Margins:
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Weighted Average Lending Rate (WALR): 9.32%
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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:
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Festive spending 🛍️
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GST benefits
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Credit card aur consumer durable-linked products ke uptick
