#Credit Deposit Ratio

India Banking Reforms: 7 Areas the Suresh Patel Panel Will Overhaul

With credit growing at 14.9% against an 11.3% deposit rise, the Finance Ministry's new expert committee faces a tough task. We break down the seven critical regulatory, AI, and NBFC funding changes expected before the strict April 2027 deadline.

Govt Forms Suresh Patel-Led Banking Reform Panel for Viksit Bharat

The Finance Ministry formed a six-month panel led by Suresh N. Patel to overhaul banking rules, fix the severe credit-deposit mismatch, and guide AI adoption. The move targets NBFC capital needs and long-term funding for Viksit Bharat.

Indian Overseas Bank Plans $500M Borrowing Amid 56% Q2 Profit Jump

Indian Overseas Bank aims to secure $500 million in overseas funding before the RBI swap facility deadline on Dec 31. The push comes as credit growth outpaces deposits, pushing the bank to open 200 new branches to hunt for retail cash.

Bank Credit in India: Who Is Quietly Borrowing the ₹219.6 Lakh Crore?

India’s loan book is undergoing an unprecedented structural rotation. While unsecured cards stumble, corporate Capex awakens, gold-backed credit doubles, and shadow banks quietly absorb trillions in bank capital.