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BQ Prime’s special research section collates quality and in-depth equity and economy research reports from across India’s top brokerages, asset managers and research agencies. These reports offer BQ Prime’s subscribers an opportunity to expand their understanding of companies, sectors and the economy.
Bank credit sectoral deployment data for April 2022 suggests YoY uptick across all verticals –14.7% in retail credit, 11.1% in services, 10.6% in agri portfolio and 8.2% in industry.
Incremental bank credit accretion in the past 12 months was Rs 11.2 trillion, of which 50% was contributed by three components, viz., housing (18%), micro small and medium enterprise (18%) and non-banking financial company (14%).
Taking into consideration revival in credit demand and demographic diversity across India, we attempt to de-code factors driving credit growth in the recent past and emerging trends during pre and post Covid-19.
We looked at the key five-force factors namely –
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region,
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district,
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interest rate,
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ticket size (including small loans) and
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type of loans, to ascertain emerging credit growth trends.
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