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Credit Growth Nears 12%

Kumari Sonali

Credit Growth Nears 12%:

As per revised RBI data up to December 15, 2025, bank credit growth rose to nearly 12% year-on-year, while deposit growth slowed to 9.35%. This widened the credit–deposit gap to 263 basis points, highlighting pressure on banking system liquidity.In the previous fortnight (ended November 28), credit growth was 11.5%, while deposit growth stood at 10.2%, showing a further slowdown in deposits.

Credit growth: Nearly 12% YoY as of December 15
Deposit growth: Slowed to 9.35% YoY
Credit deposit gap: 263 basis points

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