Data Alert
Banks' loan growth at 18-month high of 14.5% as of Dec 31
This story was originally published at 21:49 IST on 9 January 2026
Register to read our real-time news.Informist, Friday, Jan. 9, 2026
Please click here to read all liners published on this story
--RBI: Banks' loans as on Dec 31 up INR 6.280 tln on fortnight
--RBI: Banks' loans as on Dec 31 INR 203.23 tln, up 14.5% YoY
--CONTEXT: Banks' loans were up 12.0% on year as on Dec 15
--RBI: Banks' deposits as on Dec 31 up INR 7.280 tln on fortnight
--RBI: Banks' deposits as on Dec 31 INR 248.60 tln, up 12.7% YoY
--CONTEXT: Banks' deposits were up 9.4% YoY as on Dec 15
--RBI: Banks' investments as on Dec 31 up INR 36.26 bln on fortnight
--RBI: Banks' investments as on Dec 31 INR 68.85 tln, up 4.4% YoY
--CONTEXT: Banks' investments were up 5.0% YoY as on Dec 15
NEW DELHI – Banks' loans rose 14.5% on year as of Dec. 31, the quickest pace in 18 months, according to data released by the Reserve Bank of India Friday. Deposit growth also picked up in the last fornight of 2025, recovering from a three-year low pace of 9.4% as of Dec. 15. Deposits grew 12.7% on year to INR 248.60 trillion as of Dec. 31, up INR 7.28 trillion from a fortnight ago.
Banks' loans were at INR 203.23 trillion as of Dec. 31, up INR 6.28 trillion on fortnight. Credit growth picked up in recent months, driven by the festival season and the consumption boost from lower goods and services tax rates. Bank credit was up 12.0% as of Dec. 15. The last time credit growth was higher was at the end of June 2024.
After the government amended the banking act, the definition of 'fortnight' has been changed from a Saturday-to-Friday cycle to a clearly defined two-part monthly period--either the 1st to the 15th of each month or the 16th to the last day of the month, both days inclusive.
Investments by banks increased 4.4% on year as of Dec. 31 to INR 68.85 trillion. This was INR 36.36 billion higher from the previous fortnight. End
Reported by Shubham Rana
Edited by Akul NIshant Akhoury
For users of real-time market data terminals, Informist news is available exclusively on the NSE Cogencis WorkStation.
Cogencis news is now Informist news. This follows the acquisition of Cogencis Information Services Ltd. by NSE Data & Analytics Ltd., a 100% subsidiary of the National Stock Exchange of India Ltd. As a part of the transaction, the news department of Cogencis has been sold to Informist Media Pvt. Ltd.
Informist Media Tel +91 (22) 6985-4000
Send comments to feedback@informistmedia.com
© Informist Media Pvt. Ltd. 2026. All rights reserved.
To read more please subscribe
Share this Story:
