2/ The context: Unsecured credit growth crashed from 27% (2021–23) to 11.6% (2023–25). Delinquencies hit 3.6%, with ₹33,800 crore in overdue credit card debt. #CreditSlowdown #DelinquencySpike

The Banking Boom May Be Ending. What Comes Next Will Test Us. A narrowing credit-deposit wedge, floating-rate pressures, and deposit repricing suggest India’s post-Covid banking upswing is fading fast.

A narrowing credit-deposit wedge, floating-rate pressures, and deposit repricing suggest India’s post-Covid banking upswing is fading fast, writes Sujit Kumar.

Read his latest analysis for BasisPoint Insight. 👇

#BankingCycle #CreditSlowdown #NIMsqueeze #RBI #DepositWar #LoanGrowth #BankingRisk

Monetary Transmission Is Both Alive And Dead Like Schrödinger’s Cat Liquidity is plentiful, rates are low, yet credit growth is muted. Monetary transmission in India remains a paradox that defies easy solutions.

Is India’s monetary transmission like Schrödinger’s cat — both alive and dead?

Despite rate cuts & ₹9T liquidity, credit growth remains muted. Weak real wages & tepid demand are the culprits.

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#RBI #MonetaryPolicy #LiquidityTrap #CreditSlowdown #WageStagnation #PolicyWatch #MPCIndia