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The Times of India

Business / The Times of India

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Banks tap costly funds as credit outpaces deposits

Indian banks face a growing funding gap as credit expansion outpaces deposit growth. Lenders are turning to certificates of deposit, a wholesale funding source, to meet loan demand. This shift reflects changing household savings patterns and strong credit appetite across various sectors. Banks are also reallocating capital from government securities to support lending activities.

26 Mar 2026 1:49 am