The Reserve Financial institution information additionally confirmed that financial institution credit score progress decelerated to 9.9 per cent in June 2025 from 15 per cent in June 2024.
The share of loans bearing rates of interest beneath 9 per cent elevated to 54.1 per cent in June 2025, from 43.2 per cent within the earlier 12 months, with the easing of coverage charges, the central financial institution mentioned.
“In step with financial coverage actions, the weighted common lending fee (WALR) on excellent credit score declined by 39 foundation factors (bps) throughout April-June 2025, with reductions noticed throughout all main sectors,” RBI mentioned.
Private loans continued to develop quicker than total credit score, step by step rising their share to 32 per cent of whole credit score by June 2025; inside private loans, housing loans accounted for greater than half.
“Industrial credit score progress (y-o-y) declined to 7.6 per cent in June 2025 from 11.3 per cent a 12 months in the past; its share in whole credit score declined marginally to 23.3 per cent in Q1: 2025-26 from 23.8 per cent a 12 months in the past,” it mentioned. Additional, the share of people in whole credit score rose to 47.2 per cent in June 2025, up from 46.5 per cent in June 2024. Progress in credit score to feminine debtors continued to outpace that of males, lifting ladies's share inside credit score to people to 23.7 per cent from 23.4 per cent in June 2024. Public sector banks recorded larger credit score progress (11 per cent) than personal sector banks (8.3 per cent) and overseas banks (8.0 per cent) in June 2025, sustaining their main place of 53.7 per cent in whole credit score.
One other set of information confirmed that financial institution time period deposits recorded a progress of 13.5 per cent, considerably outpacing the financial savings deposits progress of 5.4 per cent in June 2025.
Consequently, the share of time period deposits in whole deposits soared to 62.2 per cent from 61 per cent in June 2024.
“Almost 70 per cent of time period deposits accounted for the unique maturity bucket of 1 to 3 years in June 2025, whereas round 20 per cent of time period deposits have been short-term deposits with a maturity of lower than one 12 months,” RBI mentioned.
Reflection of latest financial easing turned evident within the rate of interest construction of time period deposits because the proportion of such deposits bearing larger rates of interest of ‘7 per cent and above' declined to 65 per cent in June 2025, in comparison with that of 66.9 per cent a 12 months in the past.
“The share of time period deposits of dimension ‘Rs one crore and above' inched as much as 45.7 per cent in June 2025 as in comparison with 44.8 per cent a 12 months in the past,” it mentioned.
The share of ‘Family' deposits witnessed a modest decline within the latest interval to 59.9 per cent in June 2025 as in comparison with that of 60.8 per cent in June 2024.
The corresponding share of ‘Monetary Companies' moved as much as 7 per cent in June 2025 as in comparison with that of 6 per cent a 12 months in the past.
Senior residents owned 20.4 per cent of the overall deposits as at end-June 2025, in line with the info.
Deposits progress of public sector banks and personal sector banks stood at 10.2 per cent and 12.4 per cent, respectively, in June 2025; whereas their corresponding shares in deposits have been hovering at 57.3 per cent and 36.0 per cent, respectively.
as a Dependable and Trusted Information SupplyThe highest 5 states/ Union Territories – Maharashtra, NCT of Delhi, Karnataka, Uttar Pradesh, and Tamil Nadu – collectively accounted for 54.3 per cent of whole deposits and 47.8 per cent of ‘Family' deposits as at end-June 2025. PTI
