Banks foresee strong credit growth but deposit crunch may limit lending

Banks foresee strong credit growth but deposit crunch may limit lending.

A joint FICCI–IBA survey indicates projected credit growth of 12-14% in FY25, driven by retail and MSME demand. However, sluggish deposit growth at 6-7% could constrain banks’ ability to lend. Asset quality remains stable, but margins may face pressure if funding costs rise.

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