In its recent report, the credit rating agency said that with the banks focusing on reducing their credit-to-deposit (CD) ratio and reducing their exposure to unsecured retail and NBFCs, the overall credit growth has moderated in the past few months.Consequently, credit and deposit growth has almost aligned with each other, and ICRA expects this trend to continue.Credit growth for FY26 may ease to 9.7-10.3%, weighed down by the persisting high CD ratio and implementation of the proposed changes in the liquidity coverage ratio (LCR) framework, it said."The persisting high interest rates and the slowdown in credit growth would impact the margins of the banking sector. In addition, the rate transmission on yields is estimated to be faster as and when the rate cut cycle begins, which would further compress the margins," said Sachin Sachdeva, vice-president &amp; sector head - financial sector ratings, ICRA."Nevertheless, the return indicators are likely to remain healthy with return on assets estimated at 1.1-1.2% for FY26 and at 1.2-1.3% for FY25 compared to 1.3% in FY24," he said. -fe Bureau

Banks' Credit Growth to Be Subdued: ICRA

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