Relevant Extracted Data

Survey Report – Bank Credit Statistics (BSR‑1)

  • Overall bank credit growth (YoY) reached 14.1% as of end‑March 2026, up from 11.1% in March 2025.
  • Share of loans bearing interest rates < 9 % increased to 64.2% of total credit, compared with 43.9% a year earlier.
  • Credit growth across population groups remained double‑digit:
  • Rural: 9.4% share of lending,
  • Semi‑urban: 14.5% share,
  • Urban: 17.9% share,
  • Metropolitan: 58.2% share.
  • Private sector banks’ credit grew 12.3% YoY; public sector banks recorded higher growth than the headline figure.
  • Small finance banks’ credit share rose to 1.6% from 1.0% (March 2021), maintaining higher growth rates.
  • Personal loans growth moderated to 12.9% YoY; personal loans constitute 30.7% of total credit.
  • Loans to private corporate sector represent > 25% of total credit and grew 15.5% YoY (previous 11.9%).
  • Agriculture sector credit grew 14.4% YoY, holding 12.9% of total credit.
  • Industrial sector credit grew 12.0% YoY, holding 22.4% of total credit.
  • Household sector borrowings increased 14.3% YoY, accounting for 58.6% of total bank credit and about three‑fifths of incremental credit FY 2025‑26.
  • Individuals’ share in total bank credit remained at 47.8%; female borrowers’ share rose to 24.7% from 23.8% a year ago.
  • Term loans comprised 62.8% of total bank credit; within term loans, 80.2% bear interest rates < 10 %.
  • New district‑level gender‑wise credit data for individuals introduced in this round.