New Delhi, March 26 -- Credit flows accelerated sharply in FY26, rising 61pc Year-to-Date (YTD) to Rs 25.1 tn and coming close to deposit mobilisation of Rs 26.1tn, which grew 21pc YTD, said YES Bank report released here on Thursday.
The report 'MSME and Retail-led Credit Pull in FY26' noted that fresh deposit mobilisation has witnessed a slow place since 2024, while credit demand across sectors like retail, infrastructure, and MSME are stable.
Highlighting the rationale behind slow banking sector deposit growth, the report pointed out lower net financial savings of the housing sector. The Cash-to-Deposit (C/D) ratio is at 82.4pc, which is the highest since FY15, which shows tighter liquidity.
"With buffers thinning and the funding gap n...