New Delhi, Dec 16: Bank credit growth in India continues to show resilience, with total outstanding credit rising to ₹195.3 lakh crore as of November 28, 2025, reflecting a year-on-year growth of 11.5%, according to the latest data released by the Reserve Bank of India (RBI).
The data indicates that bank credit expansion has remained above the 10 per cent mark in recent months, underscoring steady demand for loans and a sustained flow of credit to productive sectors of the economy.
Officials said the growth has been largely driven by strong demand from the retail and micro, small and medium enterprises (MSME) segments. Improving consumption trends, a pickup in rural economic activity, and the positive impact of recent Goods and Services Tax (GST) rate rationalisation have supported lending demand.
In addition, early signs of revival in industrial credit and increased corporate borrowing have also contributed to the overall credit offtake. These trends point to strengthening economic activity and growing business confidence in India’s growth outlook.
The RBI data suggests that the banking sector continues to play a key role in supporting economic momentum through sustained lending across multiple segments, reflecting improved credit appetite and stable macroeconomic conditions.
The robust credit growth comes amid expectations of continued recovery in investment and consumption, providing support to the broader economy in the months ahead.
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