File photo: A logo from Reserve Bank of India (RBI) can be seen in the head office in Mumbai, India, April 6, 2023. Reuters/Francis Mascarenhas/File Photo | Photocredit: Francis Mascarenhas
The share of people in the total credit was in the first quarter (April-June) of FY26, even when the share of industrial credit fell marginal, according to RBI data. This is even if bank credit growth (year-on-year) in June 2025 in June 2025 in June 2024 to 9.9 percent left to 9.9 percent
The proportion of people in the total credit rose to 47.2 percent in the reporting quarter, an increase of 46.5 percent in Q1FY2025, according to RBI’s statement for the quarterly Basic Statistical Return (BSR).
The growth of credit to female borrowers continued to surpass that of male and the share of women within credit to private individuals to 23.7 percent of 23.4 percent in Q1FY2025.
Personal loans continued to grow faster than the total credit, which gradually increased their share to 32 percent of the total credit in June 2025; Within personal loans, home loans were good for more than half, according to the BSR.
The share of industrial credit in total credit fell marginal to 23.3 percent in Q1FY26 of 23.8 percent a year ago; The growth in growth delayed up to 7.6 percent in Q1FY2025 of 11.3 percent a year ago.
Credit growth for organizations in the public sector maintained his upward process in Q1FY2026, rose to 11.3 percent, an important change of () 1.7 percent a year ago; Their share in total credit was 13.7 percent.
Banks in the public sector have registered a higher credit growth (YOY) (11 percent) than banks in the private sector (8.3 percent) and foreign banks (8 percent) in June 2025, with their leading position of 53.7 percent (53.1 percent in Q1FY2025 and 55.8 percent.
Metropolitan branches were responsible for most bank loans. Their share in total credit moderated to 59.7 percent in June 2025 of 60.6 percent a year ago, because national, semi-urban and urban branches registered a higher growth in bank loans, the Central Bank said.
With relaxation of the REP rate, the share of interest rates with interest rates rose below 9 percent to 54.1 percent in June 2025, of 43.2 percent in the previous year.
Published on August 29, 2025
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