Market pulse › Credit growth

Credit growth

Topic tag · tracked since 24 Sept · also loan growth, deposit growth, bank credit, bank deposits

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Today9 stories · 11 articles43 stories since 24 Sept

Net tone▼ −27% today−16% over the week

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Developing5 storylinesBiggest: Rising US Treasury yields and market pressure · 63 updates

Stories per day

Bar colour is the day’s tone · tracking began on 24 Sept

624 Sept

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426 Sept

827 Sept

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stories together this week · colour is their tone

Banks18 RBI11 NBFCs7 Banking liquidity6 Unsecured loans6 Bond yields5 Repo rate5 US Treasuries5 Asset quality4 Digital lending4

Stories

43 in all · newest first

Policy● mixedMorning Bid: A new neutral rate, much like a decades-old oneRepo rate RBI US Treasuries1 source
1h

Broker call● mixedICICI vs SBI vs HDFC Bank: BofA highlights 4 growth playbooks as credit growth hits 20%Banks Private banks HDFC Bank1 source
1h

Funding and debt● mixedAI hyperscalers are transforming debtAI hyperscalers’ capital needs are prompting companies and countries to rethink borrowingAI Data centres Startup funding1 source
2h

Broker call▼ bearishNomura expects RBI to raise rates by up to 50 bps by DecemberNomura sees a possible 50 bps increase by December, taking the terminal rate to 5.75%RBI Repo rate Nomura3 sources
1h

Leadership● mixedHDFC Bank CEO's to-do list in coming weeks: Growth, Casa, investor trustThe incoming HDFC Bank chief faces priorities including retail and deposit growth, rebuilding CASA and improving marginsHDFC Bank Private banks Retail1 source
14h

Data● mixedHigh credit-deposit ratio does not signal funding vulnerability: RBI reportRBI report says a high credit-deposit ratio alone does not signal funding vulnerabilityBanking liquidity Banks RBI1 source
15h

● mixedMissed your RD instalment? Here’s how the delay can affect your account1 source
16h

Policy● mixedFCNR bounty may spark bank lending rate warBanks1 source
18h

● mixedPersonal loan closure and your credit score: What really changes after the final EMIUnsecured loans NBFCs1 source
1d

Expansion● mixedSBI business could touch Rs 200 lakh crore by 2030 on current growth: Chairman CS SettySBI PSU banks Economic growth1 source
1d

● mixedCredit report freeze: When it makes sense and what borrowers should knowAsset quality Housing Gold loans1 source
1d

● mixedMoney mistakes young professionals make in their first 5 years of earningLifestyle expenses and missed compounding are highlighted as financial mistakes in professionals’ first five earning yearsRetail Asset quality1 source
1d

Policy● mixedDeposit per se may not be a binding constraint for credit creation: RBI bulletinBanks RBI1 source
2d

Broker call● mixedGold Loan Boom Set To Cool As Personal Loans Take Over, UBS SaysNBFC personal loan growth reached a two-year high of 30% in AugustNBFCs Unsecured loans Gold loans1 source
2d

● mixedClosing an unused credit card? Experts explain how it can affect your credit utilisationClosing an unused card can reduce total available credit and increase credit utilisation1 source
2d

● mixedRs 25,000 Monthly Investment: What If You Increase It Only Once A Year?Mutual fund flows Gold1 source
2d

Data● mixedRBI Bulletin: Credit-Deposit Ratio Exceeding 80% Does Not Indicate Funding VulnerabilityBank credit growth has outpaced aggregate deposits, pushing the credit-deposit ratio above 80% since FY23RBI Banks1 source
3d

Funding and debt● mixedCorporate debt maturities set to test US borrowers as rates riseCorporate bonds Bond yields US Treasuries2 sources
2d

Data● mixedBank deposit growth level in August hits highest in 15 years, leading to CD ratio moderation: RBI BulletinBanks RBI Banking liquidity1 source
3d

Data● mixedRupee gains on FCNR(B) deposits reverse amid crude price spike: RBI reportBanks mobilised $133 billion in FCNR(B) deposits after the RBI opened a concessional swap window in JuneRupee Banks RBI1 source
3d

● mixedThai finance minister sees 2.5% growth next year on investment-led policiesFinance Ministry FDI Repo rate1 source
3d

Results● mixedQuarterly EarningsMarket valuations Economic growth Inflation1 source
3d

Data▼ bearishBank deposits, credit shrink in fortnight to September 15Bank deposits contracted by Rs 2.59 lakh crore in the fortnight ending September 15Banks Banking liquidity1 source
3d

● mixedBeyond the number: Why an 800 credit score doesn’t guarantee a loan and what you can do about itAn old ‘settled’ account can undermine a loan application despite an 800 credit scoreUnsecured loans Asset quality1 source
3d

Data● mixedPersonal loans take 34% of India's household debt; UBS sees 30% NBFC growthUnsecured loans NBFCs1 source
3d

Data▼ bearishCredit-card spending growth slows to 5.5% in August; SBI Cards loses shareIndustry spending growth eased to 5.5% in August from 7.1% in JulySBI Cards and Payment Services Consumer demand SBI2 sources
3d

Expansion▲ bullishMuthoot Microfin expects to beat 20% loan growth target as funding costs fallMuthoot Microfin expects to beat its 20% loan growth targetMuthoot Microfin Microfinance Gold loans1 source
3d

Data● mixedBank Lending to Eurozone Businesses Halved in AugustBank lending to eurozone businesses halved in AugustBanks European markets European Union1 source
3d

● mixedChart of the Day: Lenders want micro loan size upgrade without borrower leverageMicrofinance Banks NBFCs1 source
3d

Policy● mixedReserve Bank likely to start a shallow rate hike cycleRepo rate RBI Banks1 source
3d

Policy● mixedBanks to deploy excess liquidity over next few months: RBI DGBanking liquidity Banks RBI1 source
3d

Market move● mixedBond yields keep rising. How income investors can best take advantage of the movesBond yields US Treasuries Gold1 source
3d

● mixedDebt avalanche vs snowball: Which reduces debt?1 source
3d

Market move▼ bearishAI-driven US growth holds up despite higher rates, unsettling Treasury investorsAI-driven growth looks resistant to higher borrowing costsUS economy AI US Treasuries2 sources
3d

Market move● mixedWhy the economy can handle surging bond yields—for nowBond yields US Treasuries US economy1 source
3d

Data● mixedGold loans surge 4.4x, gain share in personal credit amid slower unsecured growthGold loans Gold Unsecured loans1 source
3d

Market move● mixedBond bombshellBond yields Inflation Housing1 source
3d

Data▼ bearishCredit card spending falls 2.8% to ₹2.02 lakh crore in AugustAugust credit card spending fell 2.8% from July’s ₹2.08 lakh crore to ₹2.02 lakh croreRBI2 sources
4d

● mixedThe next phase of rural women’s financeMicrofinance Digital lending1 source
4d

▼ bearishEconomists raise concerns as India's growth increasingly becomes credit expansion-ledIndia’s recent growth acceleration has been supported by a significant rise in bank creditEconomic growth Banks GDP1 source
4d

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