Bank Lending Rate in India remained unchanged at 9.77 percent in June. This dataset provides - India Prime Lending Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

The value of loans in India increased 9.50 percent in July of 2025 over the same month in the previous year. This dataset provides the latest reported value for - India Bank Loan Growth - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

India RBI Forecast: Bank Lending Survey: Loan Demand: Retail/Personal: Expectation: Substantial Decrease data was reported at 0.000 % in Mar 2025. This stayed constant from the previous number of 0.000 % for Dec 2024. India RBI Forecast: Bank Lending Survey: Loan Demand: Retail/Personal: Expectation: Substantial Decrease data is updated quarterly, averaging 0.000 % from Dec 2017 (Median) to Mar 2025, with 30 observations. The data reached an all-time high of 5.000 % in Dec 2020 and a record low of 0.000 % in Mar 2025. India RBI Forecast: Bank Lending Survey: Loan Demand: Retail/Personal: Expectation: Substantial Decrease data remains active status in CEIC and is reported by Reserve Bank of India. The data is categorized under India Premium Database’s Business and Economic Survey – Table IN.SD008: Bank Lending Survey: Reserve Bank of India: Loan Demand: Retail/Personal.

In financial year 2024, Indian banks had deployed over *** trillion Indian rupees of gross bank credit. The lion's share of over ** trillion Indian rupees went to the retail sector, followed by service sector at around ** trillion Indian rupees. As of fiscal year 2024, on a year-on-year basis, retail loans - including housing, motor, or credit cards - had increased by ** percent compared to fiscal year 2023.

India RBI Forecast: Bank Lending Survey: Loan Terms and Conditions: Infrastructure data was reported at 15.500 % in Dec 2025. This records an increase from the previous number of 13.800 % for Sep 2025. India RBI Forecast: Bank Lending Survey: Loan Terms and Conditions: Infrastructure data is updated quarterly, averaging 11.667 % from Dec 2017 (Median) to Dec 2025, with 33 observations. The data reached an all-time high of 27.586 % in Jun 2022 and a record low of -13.793 % in Sep 2019. India RBI Forecast: Bank Lending Survey: Loan Terms and Conditions: Infrastructure data remains active status in CEIC and is reported by Reserve Bank of India. The data is categorized under India Premium Database’s Business and Economic Survey – Table IN.SD001: Bank Lending Survey: Reserve Bank of India.

Graph and download economic data for Bank Credit to Bank Deposits for India (DDSI04INA156NWDB) from 1960 to 2021 about India, credits, deposits, banks, and depository institutions.

India RBI: Bank Lending Survey: Loan Demand: Retail/Personal: Assessment: Moderate Increase data was reported at 61.538 % in Dec 2024. This records a decrease from the previous number of 83.333 % for Sep 2024. India RBI: Bank Lending Survey: Loan Demand: Retail/Personal: Assessment: Moderate Increase data is updated quarterly, averaging 70.370 % from Sep 2017 (Median) to Dec 2024, with 30 observations. The data reached an all-time high of 84.615 % in Dec 2021 and a record low of 19.048 % in Jun 2020. India RBI: Bank Lending Survey: Loan Demand: Retail/Personal: Assessment: Moderate Increase data remains active status in CEIC and is reported by Reserve Bank of India. The data is categorized under India Premium Database’s Business and Economic Survey – Table IN.SD008: Bank Lending Survey: Reserve Bank of India: Loan Demand: Retail/Personal.

Digital lending is one of the fastest-growing fintech segments in India and grew exponentially from **** billion U.S. dollars in 2012 to nearly *** billion dollars in 2020. It was expected that the digital lending market would reach a value of around *** billion dollars by 2023. This business was mainly covered by fintech startups and non-banking financial companies (NBFC). Digital lending companies in India Digital lending companies provide comparatively small loans to their customers through apps or online platforms. In comparison to bank loans, digital lending does not require a specific bank account, requirements are lower, and the process is significantly quicker. Digital lending start-ups are increasingly becoming popular among customers and aim to meet the credit gap. Funding the MSME sector Besides providing loans for individuals, lending companies also served micro, small, and medium enterprises (MSME). An already high credit demand in this sector was fueled by the coronavirus (COVID-19) pandemic. Many enterprises were not eligible for banking loans and had to look for alternative funding.

Forecast: Bank Lending Interest Rate in India 2022 - 2026 Discover more data with ReportLinker!

Lending interest rate (%) in India was reported at 8.5671 % in 2022, according to the World Bank collection of development indicators, compiled from officially recognized sources. India - Lending interest rate - actual values, historical data, forecasts and projections were sourced from the World Bank on July of 2025.

The Data shows the major sector level deployment of bank credit collected from 40 select scheduled commercial banks, accounting for about 93 percent of the total non-food credit deployed by all scheduled commercial banks.

Note: 1. Data for the period April 2007 - December 2018 is in the Old Format and the data for January 2019 - September 2022 is in the New Format. 2. For Old Format a. Data are provisional and relate to select 41 scheduled commercial banks. From September 2017, data account for 90 percent of total non-food credit extended by all scheduled commercial banks. b. Export credit under priority sector relates to foreign banks only. c. Micro and small under industry include credit to micro and small industries in manufacturing sector. d. Micro and small enterprises under Priority Sector include credit to micro and small enterprises in manufacturing as well as services sector. e. Priority Sector is as per the old definition and does not conform to FIDD Circular FIDD.CO.Plan.BC.54/04.09.01/2014-15 dated April 23, 2015. f. A sharp adjustment of Rs.17300 Crore in consumer durables credit in August 2018 was due to rectification of an error, as one bank had previously wrongly classified housing loans as consumer durable loans.

1. For New Format a. Data are provisional. Non-food credit data are based on Section - 42 return, which covers all scheduled commercial banks (SCBs), while sectoral non-food credit data are based on sector-wise and industry-wise bank credit (SIBC) return, which covers select banks accounting for about 93 percent of total non-food credit extended by all SCBs. b. With effect from January 2021, sectoral credit data are based on a revised format due to which values and growth rates of some of the existing components published earlier have undergone some changes. c. Non-food credit given for the periods December 18, 2020 and December 20, 2019 pertains to the periods January 1, 2021 and January 3, 2020 respectively. d. Credit data are adjusted for past reporting errors by select SCBs from December 2021 onwards. e. Micro and Small include credit to micro and small industries in the manufacturing sector. f. NBFCs include HFCs, PFIs, Microfinance Institutions (MFIs), NBFCs engaged in gold loans and others. g. Other Services include Mutual Funds (MFs), Banking and Finance other than NBFCs and MFs and other services which are not indicated elsewhere under services. h. Agriculture and Allied Activities also include priority sector lending certificates (PSLCs). i. Micro and Small Enterprises include credit to micro and small enterprises in manufacturing and services sectors and also include PSLCs. j. Medium Enterprises include credit to medium enterprises in the manufacturing and services sector.

Graph and download economic data for Private Credit by Deposit Money Banks and Other Financial Institutions to GDP for India (DDDI12INA156NWDB) from 1960 to 2021 about finance companies, companies, India, finance, credits, deposits, financial, banks, private, depository institutions, and GDP.

India RBI Forecast: Bank Lending Survey: Loan Demand: Services data was reported at 41.100 % in Sep 2025. This records an increase from the previous number of 35.700 % for Jun 2025. India RBI Forecast: Bank Lending Survey: Loan Demand: Services data is updated quarterly, averaging 35.707 % from Dec 2017 (Median) to Sep 2025, with 32 observations. The data reached an all-time high of 53.571 % in Jun 2021 and a record low of 14.815 % in Jun 2019. India RBI Forecast: Bank Lending Survey: Loan Demand: Services data remains active status in CEIC and is reported by Reserve Bank of India. The data is categorized under India Premium Database’s Business and Economic Survey – Table IN.SD001: Bank Lending Survey: Reserve Bank of India.

India RBI: Bank Lending Survey: Loan Demand: Retail/Personal: Assessment: Substantial Decrease data was reported at 0.000 % in Dec 2024. This stayed constant from the previous number of 0.000 % for Sep 2024. India RBI: Bank Lending Survey: Loan Demand: Retail/Personal: Assessment: Substantial Decrease data is updated quarterly, averaging 0.000 % from Sep 2017 (Median) to Dec 2024, with 30 observations. The data reached an all-time high of 52.381 % in Jun 2020 and a record low of 0.000 % in Dec 2024. India RBI: Bank Lending Survey: Loan Demand: Retail/Personal: Assessment: Substantial Decrease data remains active status in CEIC and is reported by Reserve Bank of India. The data is categorized under India Premium Database’s Business and Economic Survey – Table IN.SD008: Bank Lending Survey: Reserve Bank of India: Loan Demand: Retail/Personal.

During the financial year 2023, the year-on-year growth rate of both banks and non-banking financial companies (NBFCs) in India increased to ** percent and ** percent, respectively. In the last ***** financial years, loan advances by NBFCs remained less than those by banks. Credit market in India The organized loan market in India has many players that can be categorized into banks or NBFCs. Traditionally, banks have been the main source of credit for various industries and sectors within the Indian economy. However, in recent years, NBFCs have emerged as a viable alternative to traditional banks, offering services such as loans, savings and investment plans, credit facilities, and insurance among others. While NBFCs are making significant strides, banks are also expanding their presence in the credit market. For example, to compete with NBFCs, banks have been increasing their disbursement of gold loans in recent years. NBFCs: driving financial inclusion NBFCs have emerged as a significant force in promoting financial inclusion in India by successfully catering to the underserved segments of society. As of September 2023, NBFCs in the country have disbursed loans and advances amounting to over *** billion U.S. dollars. The growing market share of NBFCs can be attributed to the lighter and more flexible regulations imposed by the Reserve Bank of India, as well as their focus on specific sectors and niche markets. The NBFC sector has been experiencing double-digit growth recently, and this trend is expected to continue in the near future.

In the year 2022, lending interest rate in India stood at *** percent. This was a slight reduction from last year's rate of *** percent. Lending rate refers to the bank rate that generally caters to the short- and medium- term financing needs of the private sector.

India RBI Forecast: Bank Lending Survey: Loan Demand: Agriculture: Expectation: Moderate Decrease data was reported at 10.000 % in Jun 2025. This records an increase from the previous number of 0.000 % for Mar 2025. India RBI Forecast: Bank Lending Survey: Loan Demand: Agriculture: Expectation: Moderate Decrease data is updated quarterly, averaging 3.333 % from Dec 2017 (Median) to Jun 2025, with 31 observations. The data reached an all-time high of 12.000 % in Jun 2020 and a record low of 0.000 % in Mar 2025. India RBI Forecast: Bank Lending Survey: Loan Demand: Agriculture: Expectation: Moderate Decrease data remains active status in CEIC and is reported by Reserve Bank of India. The data is categorized under India Premium Database’s Business and Economic Survey – Table IN.SD003: Bank Lending Survey: Reserve Bank of India: Loan Demand: Agriculture.

As of September 2022, the government-owned non-banking financial companies (NBFCs) dominated the infrastructure credit sector. Banks followed closely with a 47 percent share in dispersing infrastructure loans.

India RBI: Bank Lending Survey: Loan Terms and Conditions: Services: Assessment: Net Response data was reported at 16.667 % in Dec 2024. This records a decrease from the previous number of 18.519 % for Sep 2024. India RBI: Bank Lending Survey: Loan Terms and Conditions: Services: Assessment: Net Response data is updated quarterly, averaging 14.286 % from Sep 2017 (Median) to Dec 2024, with 30 observations. The data reached an all-time high of 31.034 % in Dec 2021 and a record low of -2.174 % in Jun 2020. India RBI: Bank Lending Survey: Loan Terms and Conditions: Services: Assessment: Net Response data remains active status in CEIC and is reported by Reserve Bank of India. The data is categorized under India Premium Database’s Business and Economic Survey – Table IN.SD014: Bank Lending Survey: Reserve Bank of India: Loan Terms and Conditions: Services.

As of March 2025, ICICI Bank provided the lowest interest rates for its home loans in India, with an average of **** percent. Bank of Maharashtra accounted for the highest interest rate with an average of **** percent.