New Delhi, June 19 -- In the current fortnight, deposit growth has outpaced credit growth and credit offtake and deposit growth has cooled, according to a report by CareEdge.

The report says credit offtake and deposit growth has cooled year on year basis weighed down by a high base effect and muted growth across segments.

The CareEdge report noted, "as of May 30, 2025, credit offtake reached Rs 182.9 lakh crore, marking an increase of 9.0% year-on-year (y-o-y), significantly slower than last year's rate of 16.1 per cent (excluding merger impact)."

Credit off-take refers to the amount of credit (loans and advances) that banks and financial institutions are lending out to individuals and businesses.

On the deposit side, by May 30, 2025,...