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Credit demand climbs to 11.5% as deposits lag, RBI data shows

Credit demand is increasing across India. Banks are lending more to retail and service sectors. Industrial credit is also firming up. Deposit growth is steady but slower than last year. This trend is expected to continue with a repo rate reduction. Higher disposable income and GST rationalisation are also boosting demand. Rural demand remains robust, and urban demand is recovering.

12 Dec 2025 8:04 pm