Banks Expected to Increase CD and Bond Issuances as Loan-Deposit Ratio Rises to 83.2% in FY27
Published on: Jan. 15, 2026, 7:10 a.m. | Source: scanx.trade
India Ratings & Research projects loan-to-deposit ratio to rise to 83.2% in FY27 from 81.9% in FY26, as advances growth at 13% outpaces deposit growth at 11.4%. Banks are expected to bridge funding gaps through increased certificate of deposits and corporate bond issuances. The agency forecasts gross NPAs to improve to 1.7% in FY27 from 2.2% in FY25, while NBFCs face moderated growth at 15%-16% due to selective lending practices.
