August 2026 mein bank credit ne zabardast raftaar pakdi hai. Industrial aur Service sector mein tezi se loan liye ja rahe hain, lekin personal loans mein thoda twist hai.
RBI ke latest data ne banking sector mein nayi jaan phoonk di hai. August 2026 mein bank credit ne 18.8% ka jump dikhaya hai, jo ki seedhe taur par strong economic activity ka sign hai. 41 scheduled commercial banks ki reports ke hisaab se, corporate India ab expansion ke liye kaafi aggressive ho gaya hai.
Industrial aur Service Sector ka Jalwa
Industrial credit growth 18.2% tak pahunch gayi hai, jo pichle saal sirf 7% thi. Infrastructure, chemicals, aur metals mein zabardast borrowing dekhne ko mili hai. Wahi, service sector toh aur bhi aage nikal gaya hai—wahan growth 24.3% record ki gayi hai, jisme NBFCs aur commercial real estate ka bada haath hai.
Personal Loans mein kya chal raha hai?
Personal loans mein 16.9% ki badhotari dikhi hai. Log abhi bhi ghar aur gaadi ke liye loan lene mein peeche nahi hat rahe. Lekin, ek cautionary note bhi hai—Credit Card aur gold-backed loans ki demand thodi dhimi pad rahi hai. Shayad log unsecured debt lene mein ab thode cautious ho gaye hain ya banks ne standards tight kar diye hain.
Investors ke liye kya matlab hai?
Banking sector ke liye ye credit offtake profit badhane wala signal hai, lekin risky bhi ho sakta hai. Agar loan wapas nahi aaya toh future mein NPA badhne ka darr bana rehta hai. Agle quarters mein ye track karna zaroori hoga ki banks quality borrowers ko loan de rahe hain ya sirf volume badha rahe hain.