The non-food credit growth of banks falls to 10% in July 2025 from 14% last year, says RBI

The non-food credit growth of banks falls to 10% in July 2025 from 14% last year, says RBI

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Credit to Industries Segment registered a moderated YOY growth of 6 percent, compared to 10 percent in the corresponding fourteen days of last year. | Photocredit: Francis Mascarenhas

The non-food credit growth of banks fell to 10 percent on an annual basis (yoj) to £ 184.45 Lakh Crore for the age of fourteen, which ended on July 25, lower than 14 percent annual growth registered in a similar period a year ago.

Credit to agriculture and allied activities recorded 7 percent yo -growing up to £ 23.13 Lakh Crore, compared to 18 percent growth in the corresponding two weeks of the previous year.

Credit to Industries Segment registered a moderated YOY growth of 6 percent, compared to 10 percent in the corresponding fourteen days of last year. Credit on micro and small, and medium industries continued to grow at a robust pace. Under large industries, from excellent credit to engineering, vehicles, vehicle parts and transport equipment, rubber, plastic and precious stones and precious stones and jewelry, a healthy growth of Yoy recorded.

“Credit to Services sector registered a growth of 10.6 percent yoj (14.5 percent in the corresponding two weeks of the previous year). Growth in ‘non-bank financial companies’ (NBFCs) left, while credit growth for’ professional services’ ‘,’ Commercial real estate ‘and’ Handelsegment remained, said ‘.

Furthermore, credit on personal loans segment registered a delayed yo -growing of 12 percent, compared to 14 percent a year ago, largely as a result of moderation of the growth of personal, vehicle and credit card loans. According to rating agencies, the loans from banks can grow at a pace of 12-13 percent in FY26.

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Fintechs also marked the immediate settlement pressure that they would experience under the law
Reuters

Published on August 29, 2025

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