Bank credit growth slowed, personal loans surged, housing led demand, industrial credit weakened, and public sector banks dominated.

• Share of low-interest loans rose, lending rates eased, and rural and semi-urban branches recorded higher lending growth.
• Public sector organisations’ credit expanded strongly, female borrowers’ share increased, and individuals’ credit share touched nearly half overall.
• Public sector banks led credit growth, outperforming private and foreign banks, maintaining majority dominance in overall bank lending.